UBI SO Manager (Credit) Syllabus and Exam Pattern
After the release of the UBI SO notification 2025, the curiosity among students to know about the exam pattern and syllabus has increased. To answer all your queries regarding the exam pattern and syllabus of the UBI SO, we are here. Please note that on this page, we are going to discuss only the UBI SO Credit Assistant Manager Exam Pattern and syllabus. Now, coming back to the UBI SO Credit Assistant Manager post, let's delve into the insights of the exam pattern and syllabus.
UBI SO Assistant Manager (Credit) Exam Pattern
It is important to know the Exam pattern in order to facilitate making an effective preparation strategy for the exam. Therefore, this page primarily focuses on the UBI SO Assistant Manager (Credit) Exam pattern. Getting a thorough understanding of the exam pattern will help you to understand the insights of the exam. Exam pattern acts as the soul of the examination. However, the number of vacancies for the UBI SO Credit Manager is lucrative. So the completion among candidates for this is automatically going to touch the heights. Thus, it is high time you should start preparing for this exam and, for that matter, understanding the exam is essential at first.
UBI SO Credit Manager Selection Process
The selection process might include an online test, group discussion (if held), reviewing applications, and/or personal interviews, depending on the number of applicants. The Bank can choose which methods to use for selecting candidates for the advertised positions.
Online Exam
For the UBI SO Credit Assitant Manager post, there's an Online Written Examination. It will include a section testing your professional knowledge with 150 multiple-choice questions, totaling 225 marks. The whole exam will last for 150 minutes.
| S. no. | Name of the Tests | No. of Questions | Maximum Marks | Duration |
|---|---|---|---|---|
| Part 1 | Quantitative Aptitude | 25 | 25 | 75 minutes |
| Reasoning | 25 | 25 | ||
| English Language | 25 | 25 | ||
| Part 2 | Professional knowledge relevant to the post | 75 | 150 | 75 minutes |
| Total | 150 | 225 | 150 minutes | |
UBI SO Marking Scheme
For wrongly marked answers in the online exam, there will be negative marking. One-fourth, or 25%, of the marks allotted to each question for which the candidate provided a wrong answer will be subtracted as a penalty to determine the final result. There won't be any negative marking for a question if it is left unanswered.
UNION BANK (SPECIALIST OFFICERS) Marking Scheme
| Questions | Number of Marks |
|---|---|
| For wrong answers | -1/4 or 25% of the marks assigned to that question |
| For not attempted | 0 (no marks) |
UBI SO Assistant Manager (Credit) Syllabus
After a clear understanding of the UBI Credit Officer exam pattern 2026, the next step is to note down the UBI Credit Officer syllabus 2026. This will enable you to identify the important and recurring topics that are assessed in the UBI SO exam. The UBI Credit Officer Online Written Exam will comprise of four sections, namely: English Language, Reasoning, Quantitative Aptitude and Professional Knowledge relevant to the post. Refer to the table below for more details on the UBI SO syllabus 2026.
| Section | Topics |
|---|---|
| English Language | Articles, Adverbs, Verb Agreement, Idioms and Phrases, Tenses, Error Corrections, Vocabulary, Comprehensions, Grammar, Sentence Arrangements, Fill in the blanks, Synonyms, Unseen Passages, Error Correction |
| Quantitative Aptitude | Simplification and approximation, Number Series, Quadratic Equation, Number System / HCF & LCM, Ratio and Proportion, Average, Partnership, Ages, Percentage, Profit & Loss, Time, Speed & Distance, Problems on Trains, Boat and Stream, Time & Work / Pipes and Cisterns, Simple and Compound Interest, Mixture & Allegations, Permutation and Combination, Probability, Data Interpretation (DI), Caselet DI and Data Sufficiency |
| Reasoning Aptitude |
Verbal Reasoning, Syllogism, Circular Seating Arrangement, Linear Seating Arrangement, Caselet Double Lineup, DI Scheduling, Input Output, Blood Relations, Directions and Distances, Ordering and Ranking, Data Sufficiency, Coding and Decoding, Code Inequalities, Course of Action, Critical Reasoning, Analytical and Decision Making |
| Professional Knowledge | Accounting Concepts: Marginal Costing, Social Accounting, Absolute Costing, Cost Volume Profit Analysis, Activity-based Costing, Inventory valuation, Cost Sheet and work, Target Costing, Transfer pricing, Overview of Cost Accounting Guidelines of SEBI |
| Corporate Accounting: Insurance of shares, Divisible Profits and Bonus Issues, Dividend Distribution, Final Accounts factories Act, Underwriting, Valuation of Goodwill and shares, Capital, Issues, Forfeiture, and Reissues of shares, Accounting for Amalgamation companies, Issues and Redemption of Debentures, Acquisition of Business and profits before Incorporation | |
| Business Law: Provident Fund, Industrial Dispute Act, Labor Law, Process Costing, Negotiable Instruments, Gratuity Act, Redemption of preference shares, Partnership act, Contract act, Marginal Cost and Cost Volume Profit | |
| Management Accounting: Ratio Analysis, Cash Flow Statement, Budgeting and Budgetary Control, Capital Market, Sources of Finance, Capital Structure, Company Law Analysis, Standard Costing and various Analysis, Capital Budgeting | |
| Capital Structure: Cost of capital, Funds flow statement, Sources of Finance, Job and Batch Costing, The material, Labor cost, and Overhead cost, Financial Statement Analysis, Sources of finance, Process Costing, Contract Costing, Budgeting and Budgetary Control | |
| Economics: Micro and Macro Economics concepts, Updates related to money market and RBI Policies, Money Market | |
| Basic Accounting: Principle and concepts of Accounting, How the RBI, IRDA, and SEBI works – Functioning |
Group Discussion
The maximum marks for the Group Discussion will be 50, and candidates need to score at least 25 marks if they are from the General/EWS category and 22.5 marks if they belong to reserved categories like SC/ST/OBC. Only candidates who meet these minimum marks in the Group Discussion (if held) will be invited for the Personal Interview. Just taking part in the Group Discussion doesn't guarantee an interview call.
Personal Interview
A Personal Interview worth 50 marks will be held to evaluate various aspects like academic and job knowledge, communication skills, leadership qualities, and suitability for the post. General and EWS category applicants need to score at least 25 marks, while reserved category (SC/ST/OBC/PwBD) applicants need 22.5 marks to qualify. Candidates failing to meet these marks will not proceed further. The interview will be conducted in a ratio of 1:3 to the number of vacancies, but the Bank may change this ratio if needed.
Books
To prepare for competitive exams, you need to work hard as well as smart. So, to ace the UBI Credit Officer exam 2026, you must have useful and relevant study material at your disposal. Therefore, to ensure that you do not waste your precious time, we have compiled a list of books which will prove useful in your UBI SO exam preparation.
| Paper | Books | Author/Publisher |
|---|---|---|
| Reasoning | A Modern Approach to Verbal and Non Verbal Reasoning | R.S. Aggarwal |
| Analytical Reasoning | MK Pandey | |
| How to Crack Test of Reasoning: In All Competitive Exam | Arihant Publication | |
| A New Approach to Reasoning Verbal and Non-Verbal | B.S. Sijwali & Indu Sijwali | |
| Quantitative Aptitude | Magical book on Quicker Maths | M Tyra |
| Quantitative Aptitude for Competitive Exams | R.S. Aggarwal | |
| Fast Track Objective Arithmetic | Rajesh Verma | |
| Class Notes | SS Bharti | |
| Finance & Management | Financial Management | Prasanna Chandra or IM Pandey |
| Indian Financial System | Bharti Pathak | |
| Principles of Management | LN Prasad | |
| Organisational Behaviour | SP Robins | |
| English Language | English Grammar | Wren & Martin |
| Word power made easy | Norman Lewis | |
| Descriptive General English | SP Bakshi |
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