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JMGS-I to MMGS-II promotion exam: syllabus, pattern and weightage
The Junior Management Grade Scale I to Middle Management Grade Scale II promotion exam is objective only: 150 questions, 0.5 marks each, 75 marks, including 20 questions of English language comprehension.
150objective questions
120 min48 seconds a question
75total marks
90days to go
Sections by weightage
Spend your time in this order: the top sections carry the most marks.
| Section | Questions | Marks | Share |
|---|---|---|---|
| Product features: deposit / liability | 20 | 10 | 13% |
| Product features: advances / assets | 20 | 10 | 13% |
| Systems and procedures, organisation structure, HR | 20 | 10 | 13% |
| English language comprehension | 20 | 10 | 13% |
| Government business, cross-selling, financial inclusion | 15 | 7.5 | 10% |
| Laws relevant to banks | 15 | 7.5 | 10% |
| Pre/post-sanction processes and NPA management | 15 | 7.5 | 10% |
| IT channels, payment solutions and new initiatives | 10 | 5 | 7% |
| Macro-economic environment / general awareness | 10 | 5 | 7% |
| Forex / treasury / international banking | 5 | 2.5 | 3% |
Topics and how to prepare
A section-by-section guide. Topics are indicative, based on the official section titles.
Product features: deposit / liability20 Q · 10 marks
- Savings, current, term and recurring deposits; interest rules and TDS
- KYC, nomination (up to four nominees), joint-account mandates
- NRI accounts: NRE, NRO, FCNR(B), RFC
- DICGC insurance, inoperative and unclaimed deposits, lockers
- Special accounts: minors, HUF, trusts, companies, salary packages
How to prepare: Most questions ask a number: limit, tenor, age, rate or cover. Make a one-page list of figures and revise it weekly.
Product features: advances / assets20 Q · 10 marks
- Retail loans: home, car, education, personal, gold, pension
- Agriculture: Kisan Credit Card, priority sector targets
- MSME loans: MUDRA, CGTMSE, collateral-free limits
- Interest rate benchmarks: EBLR, MCLR; fair lending, KFS, penal charges
- Securities: pledge, hypothecation, mortgage, guarantee
How to prepare: Learn eligibility, margin, maximum amount and repayment for each scheme, plus RBI caps such as LTV.
IT channels, payment solutions and new initiatives10 Q · 5 marks
- UPI, IMPS, NEFT, RTGS, NACH, BBPS, AePS
- Cards: limits, contactless, tokenisation; e-mandates
- Customer liability in unauthorised electronic transactions
- Failed-transaction TAT and compensation
- Digital lending, CBDC (e₹), Account Aggregator, cyber-fraud safety
How to prepare: Transaction limits and timelines are favourites. Revise the RBI customer-protection rules carefully.
Systems and procedures, organisation structure, HR20 Q · 10 marks
- Account opening, KYC periodicity, deceased claims, dormant accounts
- RBI Integrated Ombudsman Scheme and grievance redressal
- Currency management: soiled notes, counterfeit notes
- Banking Regulation Act sections, RBI powers, audit and compliance
- HR: POSH, RTI, leave, conduct, vigilance
How to prepare: The biggest section. Combine branch experience with the rule behind each practice.
Forex / treasury / international banking5 Q · 2.5 marks
- FEMA basics, LRS limit
- Exchange rates, spot and forward, cross rates
- Letters of credit (UCP 600), Incoterms
- Money market, T-bills, call money, LAF
How to prepare: Only 5 questions. Learn the basics well rather than the details.
Government business, cross-selling, financial inclusion15 Q · 7.5 marks
- PMJDY, PMJJBY, PMSBY, APY, NPS
- PPF, SSA, SCSS, NSC, KVP, Sovereign Gold Bonds
- Lead Bank Scheme, SLBC, RSETIs, business correspondents
- Pension payment, government receipts, DBT
- Insurance and mutual-fund distribution rules
How to prepare: Scheme numbers (premium, age, cover, maximum deposit) are asked often. Tabulate them.
Laws relevant to banks15 Q · 7.5 marks
- Negotiable Instruments Act: Sections 6, 13, 85, 131, 138
- SARFAESI Act, RDB Act (DRT), IBC
- Indian Contract Act: guarantee, indemnity, bailment, lien
- Transfer of Property Act: types of mortgage
- PMLA, Limitation Act, Consumer Protection, DPDP Act
How to prepare: Link each section number to one fact. Expect questions on timelines such as notice periods.
Macro-economic environment / general awareness10 Q · 5 marks
- Monetary policy: repo, MPC, CRR, SLR, inflation target
- Fiscal terms: fiscal and primary deficit, FRBM, GST
- Basel III capital, LCR, NSFR, D-SIBs, PCA
- GDP concepts, balance of payments
- Recent RBI and Government measures
How to prepare: Keep a monthly note of policy changes; the last six months matter most.
Pre/post-sanction processes and NPA management15 Q · 7.5 marks
- NPA classification, SMA categories, provisioning
- Wilful defaulters, frauds and red-flagged accounts
- Appraisal ratios: current ratio, DSCR, TOL/TNW, break-even
- Working capital: drawing power, MPBF, turnover method
- Recovery: SARFAESI, DRT, Lok Adalat, compromise, ECL from 2027
How to prepare: Practise ratio and drawing-power calculations until they take under a minute.
English language comprehension20 Q · 10 marks
- Passages on banking, economy and workplace topics
- Main idea, detail, inference and title questions
- Vocabulary: meaning and opposite of words in context
How to prepare: Read one editorial a day. Answer from the passage, not from outside knowledge.
A simple study plan
Every day (30-45 minutes)
One section of practice questions, plus your mistakes from earlier days.
Every week
One full mock in exam conditions; study the weakest two sections the following week.
Last month
Revise figures, limits and recent changes; take two mocks a week.
Structure as per the official guidelines for Promotion Year 2027-28. Always check the latest official notification.
Frequently asked
How many questions are in the JMGS-I to MMGS-II exam?
150 objective questions of 0.5 marks each, 75 marks in all.
Is there a descriptive paper for Scale I to II?
No. The exam is objective only.
What is the English section?
20 questions of English language comprehension: passages followed by questions on main idea, details, inference and vocabulary.
Which sections carry the most marks?
Deposit products, advance products, systems and procedures, and English comprehension carry 20 questions each.
Prepare with Unnati
Practise every section, sit full mocks in the official pattern and get writing help, in English and Hindi, offline. Free question set included.
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