Kerala Bank Recruitment 2024: Clerk/Cashier Exam Date and Syllabus Out.

Table of Content

Kerala Bank Exam

Kerala Bank Exam Date

Kerala Bank Exam Confirmation

Kerala Bank Clerk Admission Ticket

Kerala Bank Exam Coaching

Kerala Bank Clerk Syllabus

Overview

The iconic Kerala Bank recruitment is at the examination stage. Kerala PSC has announced the exam date for Clerk/Cashier post. With only a couple of months before the exam, candidates should start the last leg preparation with Kerala Bank model exams, mock tests and revisions. Study from reliable and Kerala Bank syllabus-oriented study materials. Get the meticulous notes and guides by joining KERALA BANK CLERK CASHIER 75 DAYS CRASH BATCH in Competitive Cracker.

Kerala Bank Exam

Kerala Bank exam in 2024 is scheduled be conducted in October 2024. Application of candidates without the Kerala Bank Clerk qualification as mentioned by PSC notification will be rejected. Kerala PSC will be conducting an online or OMR exam of 100 marks. A short list will be published in pursuance of this exam. Candidates made it into the short list will be invited for the interview session. The interview is conducted for 10 marks. The marks scored in both exam and interview will be summed up to create a final rank list. If the score is high in both exam and interview you will find yourself on the top of the rank list. Candidates in the rank list receives advice for appointment according to the rotation chart system of PSC.

Kerala Bank Exam Date

PSC has announced the Kerala Bank Clerk / Cashier in its October exam calendar. The date of Kerala Bank Clerk / Cashier exam is 23 October, 2024. With days for the exam is numbered, candidates must engage in diligent preparation. For the other details of the upcoming Kerala PSC examination, candidates are advised to refer Kerala PSC October examination calendar.

Kerala Bank Exam Confirmation

Candidates must submit the confirmation for attending Kerala Bank clerk exam. The window for submitting confirmation will be open in candidates’ PSC profile till 11 August, 2024. Only candidates who have submitted the confirmation on or before the stipulated date will receive admission ticket.

Kerala Bank Clerk Admission Ticket

The admission tickets of exam for Kerala Bank recruitment 2024 will be available from 9 October, 2024. Candidates should download and print the PSC Hall Ticket from Kerala PSC Thulasi website. Check the exam centre and contact them at least two days prior to the exam date.

Kerala Bank Exam Coaching

Finish your preparation for Kerala Bank clerk exam with the best live and recorded classes at Competitive Cracker. KERALA BANK CLERK CASHIER 75 DAYS CRASH BATCH provides you with comprehensive recorded class led by the best in the class faculties. Get insightful sessions on each topics and syllabus-oriented classes. Draw the best Kerala Bank clerk salary by clearing the PSC’s exam for Kerala Bank recruitment 2024. Competitive Cracker provides group activity through WhatsApp and Telegram. Attending daily poll questions, mock tests and model exams, candidates can boost their preparations for the upcoming Kerala Bank exam within limited time.

Kerala Bank Clerk Syllabus

The latest Kerala Bank syllabus is divided into three parts. Co-Operation, Banking, IT & Cyber Laws. It is important candidates go through the detailed syllabus before starting the final round of preparation.

PART – I – Co - Operation - 50 Marks

1. Cooperation and other economic systems- Capitalism, socialism and communism – cooperatives and other forms of business organizations- distinctive features of cooperative organization vis-à-vis-, partnership and joint stack companies- a cooperative as an institution and as an enterprise- cooperative common wealth. (5 marks)
2. Evolution and development of cooperative principles- principles of cooperation Rochdale pioneers (I stage)- reformulated principles by ICA (II stage)- Karve Committee on Cooperative Principles (III stage)- Principles of ICA in 1995(IV stage)- distinction between Cooperative values and cooperative principles. (5 marks)
3. Types of Cooperatives in India and in Kerala
   1. Short term and medium-term cooperative credit structure- primary agricultural credit societies- urban cooperative Banks and state cooperative Banks,
   2. Long term credit structure-PCARDBs and SCRABDs
   3. General Purpose and special purpose agricultural marketing societies- primary marketing societies and their federations including NAFED, rubber marketing societies and their federations, dairy cooperative societies and their federations, fishery cooperatives and their federations
   4. processing cooperatives-need and importance (v)Housing cooperatives and their federations
   5. Consumer cooperatives and their federations
   6. Industrial cooperatives and their federations- handlooms and power looms, coir, handicrafts
   7. Workers cooperatives –significance of workers cooperatives in Kerala. (7 marks)
4. Management and working of major cooperative organizations and institutions in aid of cooperatives NAFED, IFFCO, KRIBCO, NABARD, NDDB, NCDC, and National Housing Bank and other national organizations providing assistance to housing cooperatives. (5 marks)
5. Cooperative audit- Definition-objectives-scope-advantage-difference between audit of cooperative societies and joint stock companies- special features of cooperative audit administrative set up for cooperative audit-types of audit-mechanical audit-preparations for audit and framing of audit programme-staged of practical audit- mechanical audit, administrative audit, preparation of final statement- reconciliation of bank accounts- cooperative auditor- duties, powers and liabilities- audit report- audit certificate- audit classification- assessment and levy of audit fees. (6 marks)
6. Issues in cooperative management- Managing the social process in a cooperative, competition, conflict and cooperation. Associative character of a cooperative and managing a cooperative association. Issues in organizing a cooperative - size of the organization- small area vs large area, single purpose vs multipurpose cooperatives multipurpose vs multifunctional cooperatives- unitary vs federal cooperatives- designer vs greenhouse cooperatives- issues in financing a cooperative- evaluating a cooperative organization- member dimension, enterprise dimension and ethical dimension. (6 marks)
7. Settlement of disputes- arbitration and awards- provisions and procedures- execution and enforcement of awards- provisions and procedures, appeals, review and revision meaning and distinction- authority of appeals- cooperative tribunal- constitution and powers- offences and penalties- provisions and procedures. (5 marks)
8. Sources of funds- State aid to cooperatives-share capital contribution- principal state partnership fund- subsidiary state partnership fund- grants- subsidies- owned funds borrowed funds. (5 marks)
9. Cooperative Legislation in India and in Kerala- Evolution of cooperative legislation in India- the 1904 Act, the Act of 1912, transfer of cooperation as provincial subject, National development Council Resolution 1956, the Model Cooperative Societies Bill 1957, the Model Cooperative Societies Bill 1991 by Planning Commission- Trend towards parallel Cooperative Laws- Andhra Pradesh Mutually Aided Cooperative Societies Act 1995, Multi State Cooperative Societies Act 1984 and its replacement in 2002.Evolutions of Cooperative legislation in Kerala and enactment of Kerala Cooperative Societies Act 1969. (6 marks)

PART II – Banking – 40 Marks

1. Commercial Banking: Origin of the word ‘Bank’. Commercial banking system: Unit banking, branch banking, correspondent banking, group banking/ holding company banking, chain banking, mixed banking. Functions of a commercial bank: Primary functions - Accepting of deposits – different types of deposits – savings deposits, current deposits, fixed deposits, recurring deposits, Basic Savings Bank Deposit Account (BSBDA), Current Account Savings Account (CASA), certificate of deposits; Lending of funds – different methods – direct loans, cash credit, overdraft, discounting of bills; Ancillary Services / Subsidiary Functions: Agency services, general utility services. Principles of commercial banking/ Principles of lending. Credit creation by commercial banks: primary deposits and derived deposits, technique of credit creation, credit contraction, limitations of credit creation. (4 marks)
2. Central Banking: Definition of a central bank, origin of Reserve Bank of India, nationalisation of RBI, functions of RBI – issue of currency, principles and systems of note – issue, RBI as currency authority; RBI as banker, agent, advisor and debt manager to Government, RBI’s financial assistance to Central and State Governments – ways and means advances, overdraft; central bank as bankers’ bank -regulation and supervision of banks by RBI; Reserve Bank as custodian of foreign exchange reserves of the country; developmental role of RBI; Instruments of Monetary Policy : Quantitative techniques of credit control – Bank Rate Policy, operation and limitations of Bank Rate Policy, Open Market Operations (OMO) – objectives, method of operation by RBI, limitations of OMO, Variable Reserve Requirement – Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR); Qualitative methods of credit control- regulation of consumer credit, variation of margin requirements, moral suasion, rationing of credit. (4 marks)
3. Indian Commercial Banking- Pre- Liberalisation period: Formation of Imperial Bank of India, Origin of State Bank of India and its associates, merging of associate banks with SBI. Social Control over banks – circumstances leading to social control, aims and objectives of National Credit Council. Nationalisation of commercial banks. Lead Bank Scheme: Objectives, functions of Lead Bank, District Credit Plan. Concept of Service Area Approach. Differential Rate of Interest Scheme – features of the scheme. Regional Rural Banks – objectives, capital structure and management, problems and progress of RRBs, merging of RRBs. (4 marks)
4. Indian Commercial Banking – Post Liberalisation: Post liberalisation banking in India – major recommendations of the Narasimham Committee on Financial System, Narasimham Committee on Banking Sector Reforms. Entry of new generation banks. Mergers and acquisitions in banking sector. Local Area Banks: Features. Differentiated banks: Payment Banks and Small Finance Banks – permitted business. Financial Inclusion: Concept, RBI and NABARD initiatives for financial inclusion. (4 marks)
5. Banking Legislation in India: Banking Regulation Act, 1949 with latest amendments – objectives, definition of banking, banking company, approved securities, Demand and Time Liabilities (DTL), permitted and prohibited business of a banking company, regulation of voting rights of shareholders, restriction as to payment of dividend, reserve fund, licensing of banking companies, power of inspection, audit of bank accounts, acquisition of banking companies, amalgamation of banking companies, winding up of a banking company. (4 marks)
6. Practices of Banking: Banker and Customer – general and special relationship between a banker and customer, obligations of banker – honouring of cheques, maintaining secrecy of customers’ accounts, garnishee order, consequences of wrongful dishonor of cheques, stop payment of cheques; rights of a banker- right of general lien, right of set off, banker’s right of appropriation (Clayton’s rule). Banking Ombudsman – objectives, nature of complaints dealt by Ombudsman. Types of customers – operation and closing of different types of bank accounts, special types of bank customers, Accounts of Non-Resident Indians; Joint accounts, accounts of partnership firms, joint stock companies, clubs and associations. (4 marks)
7. Law relating to Negotiable Instruments: Characteristics of negotiability, types and features of negotiable instruments – bill of exchange, promissory notes and cheques. Bank drafts, pay orders. Endorsement of negotiable instruments – legal significance, kinds of endorsements. Crossing of cheques – significance of crossing, types of crossing, marking of cheques. Collecting banker – legal status, statutory protection, duties. Paying Banker – dishonour of cheques, statutory protection, payment in due course, holder and holder in due course. Modes of charging securities – lien, pledge, hypothecation, mortgage – kinds of mortgage; Guarantee and indemnity – rights and duties of guarantor. (4 marks)
8. Agriculture and Micro Finance by banks: Types of agricultural credit – short term, medium term, long term, crop loans; Kisan Credit Card (KCC) Scheme – Objectives / purpose, eligibility, features. Lending to priority sectors – categories, targets and sub targets. National Bank for Agriculture and Rural Development (NABARD) – financial, developmental and supervisory role. Micro finance – concept and significance, Linking of Self Help Groups (SHG) and banks. (4 marks)
9. Technological Advances in Banking : Payment and Settlement System of RBI - Concepts of electronic banking, Electronic Clearing Services (ECS), Real Time Gross Settlement (RTGS), National Electronic Funds Transfer (NEFT), Immediate Payment Service (IMPS), Indian Financial System Code (IFSC), Automated Teller Machine (ATM) card, debit card, credit card, RuPay card, internet banking, mobile banking, digital banking, digital signature, digital certificate, digital wallet, Cash Deposit Machine (CDM), Cheque Truncation System (CTS), cashless payment system, cashless economy; International Payment System - Society for Worldwide Interbank Financial Telecommunication (SWIFT). (4 marks)
10. Recent Trends in Indian Banking: Credit Rating of banks: CAMELS Rating. Capital Adequacy Ratio – Tier I & Tier II capital, Risk Weighted Assets, Capital to Risk Weighted Assets Ratio (CRAR). Non-Performing Assets (NPA) of banks – Classification of Standard, Substandard, doubtful and loss assets, provisioning for NPAs. Concepts of Securitisation, Reconstruction and Security Interest Enforcement under SARFAESI Act, 2002. Pradhan Mantri Social Security Schemes implemented through banks - Rules for Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)’ Atal Pension Yojana (APY).( 4 marks)

PART III - IT & CYBER LAWS - 10 Marks

Hardware

• • Input Devices (Names and uses)
  • Output Devices (Names and uses/features
  • Memory devices - Primary and Secondary (Examples, Features)

Software

• • Classification – System software and Application software
  • Operating System – Functions and examples
  • Popular Application software packages – Word processors, Spreadsheets, Database packages, Presentation, Image editors (Uses, features and fundamental concepts of each)
  • Basics of programming – Types of instructions (Input, Output, Store, Control transfer) (Languages need not be considered)

Computer Networks

• • • Types of networks – LAN, WAN, MAN (Features and application area)
    • Network Devices – Media, Switch, Hub, Router, Bridge, Gateway (Uses of each)
      • Internet
• Services – WWW, E-mail, Search engines (Examples and purposes)
  • Social Media (Examples and features)
  • Web Designing – Browser, HTML (Basics only)

• • Cyber Crimes and Cyber Laws
    • Types of crimes (Awareness level)
    • IT Act and Other laws (Awareness level)