Home › Syllabus › Scale II → III
MMGS-II to MMGS-III promotion exam: syllabus, pattern and weightage
The Middle Management Grade Scale II to Scale III promotion exam has an objective paper (140 questions, 70 marks, 100 minutes, bilingual) and a typed descriptive paper (30 marks, 80 minutes).
Sections by weightage
Spend your time in this order: the top sections carry the most marks.
| Section | Questions | Marks | Share |
|---|---|---|---|
| Systems and procedures, organisation structure, HR | 20 | 10 | 10% |
| Product features: deposit / liability | 15 | 7.5 | 8% |
| Product features: advances / assets | 15 | 7.5 | 8% |
| Government business, cross-selling, financial inclusion | 15 | 7.5 | 8% |
| Laws relevant to banks | 15 | 7.5 | 8% |
| Pre/post-sanction processes and NPA management | 15 | 7.5 | 8% |
| IT channels, payment solutions and new initiatives | 10 | 5 | 5% |
| Macro-economic environment / general awareness | 10 | 5 | 5% |
| Supervisory role and responsibilities | 10 | 5 | 5% |
| Data interpretation | 10 | 5 | 5% |
| Forex / treasury / international banking | 5 | 2.5 | 2% |
Paper II: descriptive (typed)
| Part | Attempt | Marks |
|---|---|---|
| Rationale | 4 of 6 | 8 |
| For and against | 4 of 6 | 8 |
| Situational analysis | 2 of 3 | 6 |
| Comprehension (English) | 1 (4 questions) | 4 |
| Business correspondence (English) | 1 of 2 | 4 |
| Total | 30 |
Rationale, For and against and Situational analysis may be written in English or Hindi; Comprehension and Business correspondence only in English.
Topics and how to prepare
A section-by-section guide. Topics are indicative, based on the official section titles.
Product features: deposit / liability15 Q · 7.5 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
Product features: advances / assets15 Q · 7.5 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
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
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
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
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
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
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
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
Supervisory role and responsibilities10 Q · 5 marks
- Branch controls: dual control, maker-checker, surprise checks
- KYC/AML responsibilities, STR, CTR
- Customer service, compensation, complaint handling
- Staff matters, accountability and preventive vigilance
Data interpretation10 Q · 5 marks
- Tables and charts on banking data
- Percentages, growth, ratios, averages, shares
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 MMGS-II to III objective paper?
140 questions carrying 0.5 marks each, 70 marks in all, to be answered in 100 minutes.
What is in the descriptive paper?
Rationale (4 of 6), For and against (4 of 6), Situational analysis (2 of 3), Comprehension (1 passage, 4 questions) and Business correspondence (1 of 2): 30 marks in 80 minutes, typed.
Can the descriptive paper be written in Hindi?
Rationale, For and against and Situational analysis can be written in English or Hindi. Comprehension and Business correspondence are in English only.
Which sections carry the most marks?
Systems and procedures (20 questions) is the largest; deposits, advances, government business, laws and NPA management carry 15 questions each.
Is there negative marking?
The published structure does not mention negative marking. Always confirm with the latest official notification.
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.
Get it on Google Play