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100+ Free Central Bank of India SO Practice Questions

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2026 Statistics

Key Facts: Central Bank of India SO Exam

75 Q

Total questions in the online written exam

Central Bank of India recruitment notification

90 min

Total time limit for the composite paper

Central Bank of India exam pattern

No Neg

Negative marking pattern (zero deduction)

Official examination rules

70:30

Ratio of written exam marks to interview weightage

Central Bank of India selection criteria

₹850

Application fee for General / OBC / EWS candidates

Central Bank of India fee details

CBI SO: 75 questions, 90 minutes, 100 marks, no negative marking. Professional knowledge (50 Q / 75 marks), Reasoning (15 Q), and Banking/Economic Scenario/GA (10 Q). 70:30 written-to-interview ratio.

Sample Central Bank of India SO Practice Questions

Try these sample questions to test your Central Bank of India SO exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1A firm has Current Assets of ₹800 lakhs and Current Liabilities (excluding bank borrowings) of ₹300 lakhs. Calculate the Maximum Permissible Bank Finance (MPBF) under the First Method of the Tandon Committee guidelines.
A.₹375 lakhs
B.₹500 lakhs
C.₹300 lakhs
D.₹400 lakhs
Explanation: Under the First Method of the Tandon Committee, the working capital gap is first calculated as Current Assets (CA) minus Current Liabilities other than bank borrowings (CL). Working Capital Gap = ₹800 lakhs - ₹300 lakhs = ₹500 lakhs. The borrower must contribute 25% of this gap as margin (25% of 500 = ₹125 lakhs). The MPBF is 75% of the working capital gap: 0.75 * ₹500 lakhs = ₹375 lakhs.
2Using the same figures (Current Assets of ₹800 lakhs and Current Liabilities excluding bank borrowings of ₹300 lakhs), calculate the MPBF under the Second Method of the Tandon Committee.
A.₹375 lakhs
B.₹300 lakhs
C.₹200 lakhs
D.₹500 lakhs
Explanation: Under the Second Method of the Tandon Committee, the borrower must contribute 25% of total Current Assets (CA) as margin from long-term sources. Margin = 25% of ₹800 lakhs = ₹200 lakhs. The MPBF is calculated as (CA - CL) - Margin = (₹800 lakhs - ₹300 lakhs) - ₹200 lakhs = ₹300 lakhs.
3A company has Current Assets of ₹500 lakhs and Current Liabilities of ₹250 lakhs, yielding a Current Ratio of 2.0. If the bank sanctions an additional working capital loan of ₹50 lakhs which is fully utilized to purchase inventory, what will be the new Current Ratio?
A.2.00
B.1.83
C.2.20
D.1.67
Explanation: Initially, Current Assets (CA) = ₹500 lakhs and Current Liabilities (CL) = ₹250 lakhs. An additional bank loan of ₹50 lakhs increases CL by ₹50 lakhs (to ₹300 lakhs) because short-term bank borrowing is a current liability. The loan is used to purchase inventory, which increases CA by ₹50 lakhs (to ₹550 lakhs). New Current Ratio = New CA / New CL = 550 / 300 = 1.83.
4Calculate the Debt Service Coverage Ratio (DSCR) for a company with the following financial data: Profit After Tax (PAT) = ₹120 lakhs; Depreciation = ₹30 lakhs; Interest on term loan = ₹50 lakhs; Term loan installment paid during the year = ₹100 lakhs.
A.1.33
B.1.50
C.2.00
D.1.00
Explanation: DSCR is calculated using the formula: (PAT + Depreciation + Interest) / (Interest + Term Loan Installment). Here, Net Cash Accruals + Interest = ₹120 lakhs + ₹30 lakhs + ₹50 lakhs = ₹200 lakhs. Total Debt Service Obligation = ₹50 lakhs (Interest) + ₹100 lakhs (Principal Installment) = ₹150 lakhs. DSCR = 200 / 150 = 1.33.
5A firm has a Tangible Net Worth of ₹300 lakhs. Its long-term liabilities are ₹150 lakhs and short-term liabilities are ₹150 lakhs. What is the Debt-Equity Ratio of the firm (taking long-term debt as debt)?
A.1.00
B.0.50
C.2.00
D.0.75
Explanation: The Debt-Equity Ratio is calculated as Long-Term Debt / Equity (Tangible Net Worth). Long-term debt = Long-term Liabilities = ₹150 lakhs. Equity = Tangible Net Worth = ₹300 lakhs. Debt-Equity Ratio = 150 / 300 = 0.50.
6Calculate the operating cycle (in days) for a manufacturing company with the following parameters: Raw material storage period = 30 days; Work-in-progress period = 15 days; Finished goods storage period = 20 days; Receivables collection period = 45 days; Creditors payment period = 30 days.
A.110 days
B.80 days
C.140 days
D.95 days
Explanation: Operating Cycle = Raw Material Storage Period + Work-in-Progress Period + Finished Goods Storage Period + Receivables Collection Period - Creditors Payment Period. Operating Cycle = 30 + 15 + 20 + 45 - 30 = 80 days.
7A firm has Net Sales of ₹1200 lakhs and Average Total Assets of ₹600 lakhs. What is the Asset Turnover Ratio of the firm?
A.2.0
B.0.5
C.1.5
D.3.0
Explanation: Asset Turnover Ratio = Net Sales / Average Total Assets. Here, Asset Turnover Ratio = ₹1200 lakhs / ₹600 lakhs = 2.0 times.
8A trading firm has Current Assets of ₹400 lakhs, Inventory of ₹150 lakhs, Prepaid Expenses of ₹10 lakhs, and Current Liabilities of ₹200 lakhs. Calculate the Quick Ratio (Acid Test Ratio) of the firm.
A.2.00
B.1.20
C.1.25
D.1.15
Explanation: Quick Assets = Current Assets - Inventory - Prepaid Expenses = ₹400 lakhs - ₹150 lakhs - ₹10 lakhs = ₹240 lakhs. Quick Ratio = Quick Assets / Current Liabilities = ₹240 lakhs / ₹200 lakhs = 1.20.
9A business has Long-term Sources (equity capital + long-term debt) of ₹500 lakhs and Long-term Uses (fixed assets + non-current assets) of ₹350 lakhs. What is the Net Working Capital (NWC) of this business?
A.₹150 lakhs
B.₹850 lakhs
C.₹500 lakhs
D.₹350 lakhs
Explanation: Net Working Capital (NWC) can be calculated from the long-term sources and uses perspective: NWC = Long-Term Sources - Long-Term Uses. NWC = ₹500 lakhs - ₹350 lakhs = ₹150 lakhs. This matches the amount of current assets funded by long-term resources.
10Which of the following statements best describes the utility of the Debt Service Coverage Ratio (DSCR) during credit appraisal?
A.It measures the liquidity position of the borrower over a short-term period of 1 year.
B.It assesses the ability of the borrower to service long-term debt obligations (interest and principal repayments) from operating cash flows.
C.It calculates the percentage of total assets funded by the owners' equity.
D.It evaluates the profitability of the enterprise in relation to its sales revenue.
Explanation: The Debt Service Coverage Ratio (DSCR) is a critical solvency ratio used by bankers to assess whether a borrower's net operating cash flows are sufficient to cover term debt service obligations, which include both interest and principal payments.

About the Central Bank of India SO Exam

The Central Bank of India Specialist Officer (SO) exam is a competitive recruitment test for selecting officers in specialized streams like IT, Credit, Risk, Law, and Finance. The online written test comprises 75 questions worth 100 marks to be completed in 90 minutes. Notably, there is no negative marking. This practice bank provides exactly 100 highly realistic questions to prepare candidates for all sections, including professional knowledge, reasoning, and banking/general awareness.

Assessment

Online computer-based test: 75 questions (100 marks) in 90 minutes. Sections: Stream/Category Specific (50 Q, 75 marks), Reasoning Ability (15 Q, 15 marks), and Banking/Present Economic Scenario & General Awareness (10 Q, 10 marks). No negative marking. Followed by a personal interview (70:30 written:interview weightage).

Time Limit

90 minutes

Passing Score

Subject to cut-off marks decided dynamically by the bank for the written exam and interview.

Exam Fee

₹850 for General/OBC/EWS and ₹175 for SC/ST/PwBD/Women candidates (Central Bank of India)

Central Bank of India SO Exam Content Outline

67%

Stream/Category Specific Knowledge

Core concepts in Credit Appraisal, Financial Statement Analysis, Banking Laws, Risk Management, and Treasury Operations.

20%

Reasoning Ability

Reasoning questions including Syllogism, Blood Relations, Puzzles, Coding-decoding, and Directions.

13%

Banking, Present Economic Scenario & GA

Topics covering RBI updates, Banking System in India, Union Budget, and General Awareness.

How to Pass the Central Bank of India SO Exam

What You Need to Know

  • Passing score: Subject to cut-off marks decided dynamically by the bank for the written exam and interview.
  • Assessment: Online computer-based test: 75 questions (100 marks) in 90 minutes. Sections: Stream/Category Specific (50 Q, 75 marks), Reasoning Ability (15 Q, 15 marks), and Banking/Present Economic Scenario & General Awareness (10 Q, 10 marks). No negative marking. Followed by a personal interview (70:30 written:interview weightage).
  • Time limit: 90 minutes
  • Exam fee: ₹850 for General/OBC/EWS and ₹175 for SC/ST/PwBD/Women candidates

Keys to Passing

  • Complete 500+ practice questions
  • Score 80%+ consistently before scheduling
  • Focus on highest-weighted sections
  • Use our AI tutor for tough concepts

Central Bank of India SO Study Tips from Top Performers

1Dedicate substantial study time to your Stream Specific area, as it accounts for 75% of the total marks in the written exam.
2Get comfortable with basic financial calculations like ratios (Current Ratio, DSCR, Debt-Equity) and Working Capital assessment.
3Keep yourself updated with recent RBI guidelines, particularly those related to NPA classification, Basel III norms, and monetary policies.
4Practice reasoning section topics like Syllogisms, Blood Relations, and Puzzles to solve them quickly without losing time.
5Stay informed on recent developments in the Indian banking sector, Union Budget highlights, and economic initiatives.

Frequently Asked Questions

What is the exam pattern for the Central Bank of India SO 2026 exam?

The online written exam has 75 questions worth a total of 100 marks with a time limit of 90 minutes. It includes 50 Stream Specific questions (75 marks), 15 Reasoning questions (15 marks), and 10 Banking/GA questions (10 marks).

Is there any negative marking in the CBI SO exam?

No, according to the official pattern, there is no negative marking for incorrect answers in the online written test.

What is the selection process after the written test?

Candidates qualifying the written test will be called for a personal interview. The final selection merit list is prepared with a weightage ratio of 70:30 between the written exam and the interview.

What is the application fee for the CBI SO exam?

The application fee is ₹850 for General, OBC, and EWS candidates, and ₹175 for SC, ST, PwBD, and Women candidates (exclusive of GST/banking charges).

Does this mock practice bank contain calculations?

Yes, our practice bank features realistic financial calculations such as debt service coverage ratio (DSCR), maximum permissible bank finance (MPBF), asset provisioning, and other quantitative banking questions.