Kerala PSC Apex Bank Junior Clerk Syllabus 2026: Subject-Wise Topics & Exam Pattern

The Kerala PSC Apex Bank Junior Clerk Syllabus 2026 provides the complete list of subjects and topics candidates need to study for the Junior Clerk examination under Category No. 90/2026. The syllabus covers General English, General Knowledge, Reasoning, Co-operation, Act & Rules, Banking and Accounting.

Understanding the Kerala PSC Junior Clerk syllabus before starting preparation can help candidates create a subject-wise study plan, identify high-weightage sections and focus on important topics.

The examination carries 100 marks, with Banking and Accounting carrying 20 marks each, while Principles and Practice of Co-operation and Act & Rules carry 15 marks each.

Candidates can also use the syllabus along with previous questions and mock tests to understand the examination pattern and improve preparation.

Subject	Marks
I. General English	10
II. General Knowledge	10
III. Test of Reasoning	10
IV. Principles and Practice of Co-operation	15
V. Act & Rules	15
VI. Banking	20
Accounting	20
Total	100 Marks

Kerala PSC Apex Bank Junior Clerk Syllabus 2026 – Overview

Particulars	Details
Post	Junior Clerk
Category Number	90/2026
Recruiting Authority	Kerala Public Service Commission
Examination	Junior Clerk
Total Marks	100
Major Subjects	English, GK, Reasoning, Co-operation, Act & Rules, Banking, Accounting
Highest Weightage	Banking – 20 Marks
Accounting	20 Marks
Co-operation	15 Marks
Act & Rules	15 Marks

Kerala PSC Apex Bank Junior Clerk Detailed Syllabus 2026

I. General English (10 Marks)

(i) English Grammar
Types of sentences and interchange of sentences, parts of speech, subject-verb agreement, articles, primary and modal auxiliary verbs, question tags, infinitives and gerunds, tenses, tenses in conditional sentences, prepositions, use of correlatives, direct and indirect speech, active and passive voice, and correction of sentences.

(ii) Vocabulary
Singular & plural, gender change, collective nouns, compound words, synonyms, antonyms, phrasal verbs, foreign words and phrases, one-word substitutes, commonly confused words, spelling test, idioms and meanings, and expansion/meaning of common abbreviations.

II. General Knowledge (10 Marks)

This section covers a broad range of static GK and current affairs topics:

• United Nations

• History of the Freedom Struggle in India

• History of Travancore

• Social reform movements

• Political History (India/Kerala)

• Indian Constitution

• Indian Five-Year Plans and Economic reforms

• Reorganization of States

• Governance and Governance systems (India/Kerala)

• Indian States and their characteristics

• Oceans, Continents, Global Warming

• Kerala’s geography, districts, and rivers

• Agricultural crops, minerals, Green Revolution

• Art, Sports, Literature, Culture (World/India/Kerala)

• Current Affairs

III. Test of Reasoning (10 Marks)

This section assesses basic arithmetic, mental ability, and observation skills through the following topics:

• Numbers and Basic Operations

• Fraction and Decimal Numbers

• Percentage

• Profit and Loss

• Simple and Compound Interest

• Ratio and Proportion

• Time and Distance

• Time and Work

• Average

• Series

• Problems on Mathematical Signs

• Position Determination Test

• Analogy (Word Analogy, Alphabet Analogy, Number Analogy)

• Odd Man Out

• Number Review System

• Coding and Decoding

• Family Relations

• Sense of Direction

• Time and Angles

• Time in a Clock and its Reflection

• Date and Calendar

• Clerical Ability

IV. Principles and Practice of Co-operation (15 Marks)

This is a core subject specific to the Co-operative sector recruitment and covers:

• Co-operative principles – ICA definitions, values and ethics, Co-operative Commonwealth, evolution of principles, distinctive features, comparison with Joint Stock Companies, and Co-operation as a balancing factor between Capitalism, Socialism, and Communism.

• Co-operation in foreign countries – England (Friendly Societies Act, Industrial Providence Act 1852, Robert Owen), Germany (Raiffeisen and Schulze credit societies), and Denmark (Dairy Co-operatives).

• Committees and Commissions – All India Rural Credit Survey Committee, Committee on Co-operative Credit (V.L. Mehta), All India Rural Credit Review Committee, CRAFICARD, Agricultural and Credit Review Committee, and State aid bodies like NCDC, NDDB, NHB, NABARD.

• Co-operative education and training – National Co-operative University, ICA, NCUI, SCU, CCU, NCCT, NCCE, VAMNICOM, ICM, ACSTI, KICMA, CAPE, Co-operative Week Celebrations, International Co-operative Day, and the Co-operative Flag.

• Constitution and functions of PACS, KSCB, Kisan Credit Card (KCC), Principal State Partnership Fund, NAFSCOB, and COBI.

• PCARDB and KSCARB – objects, working, Debenture Redemption Fund, Technical Enquiry Report, DV File, long-term loan procedures, and NFARDB.

• Non-Agricultural credit societies – Urban Co-operative Banks, employee credit societies, Housing Co-operatives, and NFUCB.

• Marketing and processing societies – Kerafed, Rubco, RAIDCO, CAMPCO, and the State Co-operative Rubber Marketing Federation.

• Consumer Co-operatives – Consumerfed, Neethi Stores, student consumer stores, NCCF, and double compartmental systems.

• Dairy Co-operatives – APCOS, primary milk societies, regional milk producers’ unions, KCMMF, and their role in rural development.

• Industrial Co-operative societies – Handloom, Coir, Beedi, Handicrafts, Cashew, Hantex, Coirfed, Kerala Dinesh Beedi, Capex, Texfed.

• Specialized Federations – SC/ST Fed, Matsyafed, Vanithafed, Hospitalfed, Tourfed, Labourfed, SPCS, ULCCS.

• Welfare and Risk Schemes – Risk Fund Scheme, Deposit Guarantee Scheme, Co-operative Employees Self-Finance Pension Scheme, Kerala Co-operative Ombudsman Scheme, Member Relief Scheme, Consortium Lending Scheme, and the Co-operative Employees Welfare Board.

• Functional Areas of Management – Performance evaluation, professional management, accountability, budgeting, HR management, motivation, group dynamics, leadership, decision-making, problem-solving, performance appraisal, Training Need Assessment (TNA), time management, stress management, communication, and financial management.

• Departmental Set-Up of Co-operatives in Kerala.

V. Act & Rules (15 Marks)

• Kerala Co-operative Societies Act, 1969 (as amended)

• Kerala Co-operative Societies Rules, 1969 (as amended)

VI. Banking (20 Marks)

This section covers both conceptual and applied banking knowledge:

• Banking system in India – Scheduled & non-scheduled banks, Commercial Banks, RRBs, Co-operative Banks, Foreign Banks, Local Area Banks, Small Finance Banks, Payment Banks, CRR, SLR, Repo, Reverse Repo, Bank Rates, NABARD’s supervisory role, and NBFCs.

• Banker-Customer relationship and different types of customers, including special categories like minors, pardanashin ladies, blind persons, lunatics, and insolvent persons.

• KYC and Anti-Money Laundering guidelines of RBI.

• Regulatory and supervisory functions of RBI.

• Negotiable Instruments Act, 1881 – Promissory notes, bills of exchange, cheques, types of crossing, and all types of endorsements (blank, full, conditional, restrictive, sans recourse, facultative).

• Payment and Settlement Systems – RTGS, NEFT, Internet Banking, Mobile Banking, UPI, ATMs, CDMs, POS, QR codes, prepaid instruments, debit/credit cards, and Core Banking Solution (CBS).

• Grievance Redressal Mechanisms – Integrated Ombudsman Scheme 2021, Consumer Protection Act (COPRA) 2019.

• Deposit schemes of banks and co-operative societies, Savings Bank A/c types (BSBDA, PMJDY, Small Accounts), Current Accounts, Fixed Deposits, RD Accounts.

• Demand Draft issuance, Safe Deposit Lockers, Safe Custody of Articles.

• Nomination rules, Garnishee Order, Attachment Order, Right of General Lien, Right of Set Off, Rules of Appropriation, Mandate & Power of Attorney, Lien, Pledge, Hypothecation, Mortgage.

• Priority Sector Guidelines – Agri-loans, KCC, MSME, and other general loans.

• Types of loans, recovery mechanisms, Special Mention Accounts (SMA), and NPA norms.

VII. Accounting (20 Marks)

• Definition and objects of financial accounting, branches, advantages, and limitations.

• Accounting principles, concepts, and conventions.

• Journal, Ledger, Subsidiary Books, Trial Balance, errors and their rectification.

• Final accounts and adjustments.

• Depreciation methods, bills of exchange, consignment accounts, and accounts of non-trading concerns.

• Co-operative accounting – Day book, general ledger, receipts and disbursement statements, final accounts, and Bank Reconciliation Statement.

• Cost Accounting – Objectives, advantages, limitations of a good costing system, types of costing (marginal, standard), opportunity cost, sunk cost, differential cost, elements of cost (direct/indirect, overheads), non-cost expenses, MIS, material control (bin card, stores ledger, EOQ), and methods of valuing material issues.

• Labour cost and types of wage payment systems.

• Financial planning – Forecasting, SWOT analysis, profit planning, budgeting, capital budgeting, cost of capital, and statements to be furnished to the Registrar.

• Analysis of financial statements – Trial Balance/R&D statements, Trading and P&L Account, Balance Sheet, Ratio Analysis, Working Capital, Cost-Volume-Profit (CVP) Analysis, Break-Even Point, Margin of Safety, Comparative Statement Analysis, Trend Analysis, Common Size Statement Analysis, Cash and Fund Flow Analysis, fraud causes/fraud triangle/prevention, and Statutory Audit.

Candidates should regularly check the latest Kerala PSC Apex Bank Junior Clerk Exam Date 2026 updates, including examination confirmation, hall ticket and examination schedule.

Check the latest exam date:
Kerala PSC Apex Bank Junior Clerk Exam Date 2026

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Kerala PSC Apex Bank Junior Clerk Syllabus 2026 – Conclusion

The Kerala PSC Apex Bank Junior Clerk Syllabus 2026 covers seven major areas, with a total of 100 marks. Banking and Accounting carry the highest individual weightage of 20 marks each, followed by Co-operation and Act & Rules with 15 marks each.

Candidates should download the syllabus, divide the topics into a realistic study schedule and give sufficient time to the specialised subjects. Regular revision, previous-question practice and mock tests can help candidates track their preparation and improve their performance.