Scale 3 to 4 Bank Exam Prep

MSAHKOO Studios

About this app

Ace Your Public Sector Bank (PSB) Scale 3 to Scale 4 Officer Promotion Examination!

Are you preparing for the upcoming Scale 3 to Scale 4 Officer Promotion Exam? Boost your preparation with the most comprehensive, topic-wise MCQ practice bank and reference guide designed strictly in alignment with the Master Credit Policy (MCP) 2026–27 and official banking guidelines.

Whether you are revising credit risk management, exposure ceilings, priority sector targets, or delegation of financial powers, this app provides real exam-level questions with detailed explanations to help you pass with high scores.

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🔑 Key Features:

* 🎯 1,000+ High-Yield MCQs: Extensive question bank covering all critical modules of Credit Policy, Risk Management, and Banking Guidelines.
* 📖 Master Credit Policy 2026–27 Aligned: Every question is updated as per the latest regulatory guidelines, IRAC norms, and credit frameworks.
* 💡 Detailed Solutions & Explanations: Get clear, step-by-step reasoning and exact policy references for every correct answer.
* 📊 Topic-Wise Practice Sets: Focus your revision on specific modules like Large Exposure Framework (LEF), MSME, CRE, Project Finance, and Financial Ratios.
* ⚡ Mock Tests & Exam Mode: Test your knowledge under timed conditions to improve speed, accuracy, and confidence.
* 📌 Progress Tracking: Monitor your weak areas, review incorrect attempts, and track overall readiness.

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📘 Syllabus & Modules Covered:

1. Credit Overview & Categorization: Corporate Account Classification (Large, Mid, Regulatory Retail), Target Markets, Industry Outlook & Startups.
2. Due Diligence & Compliance: LEI Code requirements, UDIN verification, CIBIL/CIC scoring benchmarks, and Defaulter/Wilful Defaulter checks.
3. Exposure Norms & Frameworks: Large Exposure Framework (LEF), CME (Capital Market Exposure), Group Exposures, and Inter-bank Exposures.
4. Sectoral Lending Guidelines:
* Priority Sector Advances: Agriculture, MSME, Housing, Education, and Weaker Sections.
* Real Estate Sector: CRE, CRE-Residential Housing (CRE-RH), and NBC/NDMA Guidelines.
* Specialized Sectors: Infrastructure, HAM Road Projects, Power DISCOMs/GENCOs, Software, and NBFC/MFI Lending.
5. Credit Appraisal & Financial Ratios: Current Ratio, DSCR, FACR, Quick Ratio, Debt-Equity, and Tail Risk analysis.
6. Loan Delivery & Products: Loan System for Delivery of Bank Credit (LSDBC), Short Term Corporate Loans (STCL), Takeover Norms, Direct Assignment, and Co-Lending.
7. Digital Lending & FinTech: Digital Lending Framework, LSPs, DLAs, and E-KYC norms.

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🎯 Who Is This App For?

* Middle Management Officers preparing for Scale 3 (Senior Manager) to Scale 4 (Chief Manager) internal promotion examinations across Public Sector Banks.
* Officers looking for a quick revision tool for Master Credit Policy 2026–27 and general credit appraisal frameworks.

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Download now and take the next step in your banking career!