Checked 6 October 2026. PNB re-issues the circular each cycle with new dates and sometimes new MoU terms. The latest we read is HRMD circular 859 of 12.11.2025 (test 25.01.2026); no result or later circular was found. The candidate handout we use is for a different, one-time PwBD test of 12.04.2026.
PNB’s route from clerk to officer has one written test and no interview in the circular we read. HRMD circular 859 of 12.11.2025 invites clerks, senior customer service associates (cash) and special customer service associates (SCSAs) to apply for Officer, JMG Scale I, under its “Selectivity channel” for 2026-27. The final merit is built from three things: an online written test, qualification marks (maximum 25) and service marks (maximum 25). The circular sets two papers of 100 marks each with a qualifying mark in every paper, but it does not print how much of the final total the test carries, so we state no weight for it.
Two documents sit behind this guide, and they are not the same kind. The circular is marked “Confidential - strictly for internal circulation only” and PNB’s public pages do not carry it, so we read it in a copy hosted by Adda247 and label it reported. The second is official: PNB’s own HRMS portal (hrms.pnb.bank.in) publishes a candidate handout for the written examination of 12.04.2026 held for the one-time promotion of persons with benchmark disabilities. That is a different test from the Selectivity channel test, but it is the only PNB-hosted description of how a PNB promotion paper is set and run, so we use it and say each time that it is the handout.
Circular 859 of 12.11.2025 (copy hosted by Adda247). The vacancy number is not printed.
- 15 topic tests for Bank clerk-to-officer promotion, one topic at a time
- Every answer explained in full
- A full report on every attempt — what went wrong and what to revise
- Unlimited retakes — one payment, yours for good
The 2026-27 cycle: dates as printed
| Step | Date printed | Our arithmetic |
|---|---|---|
| Online applications on HRMS | 12.11.2025 to 20.11.2025 | 9 days, both ends counted |
| Eligibility confirmed at branch or office (Manager Self Service) | 21.11.2025 | One day after the window closed |
| Approval by the controlling office; last date to correct HRMS data | 25.11.2025 | No correspondence entertained on status after this date |
| Online written test | 25.01.2026 (Sunday) | 66 days after the application window closed |
| Information handout for the test | "displayed on HRMS Notice Board separately" | We have not seen the handout for this test; see below for the PwBD one |
We found no result, cut-off or later circular, and we cannot say whether the 25.01.2026 test took place as scheduled.
Who can apply, and the date each condition is counted on
| Condition | As printed in circular 859 | Counted on |
|---|---|---|
| Cadre | Employees in the clerical cadre, including SCSAs (customer service associates and senior customer service associates - cash) | Application window |
| Matriculation | Must have passed the matriculation examination | Till the last date for applications, 20.11.2025 |
| Years of clerical service | 3 years (2 years for SC/ST candidates) | 01.04.2026 |
| Priority marks | At least 6 (at least 4 for SC/ST candidates) | 01.01.2026 ("no benefit of priority mark will be given in the midst of the year") |
| Debar rules | Punishment, refusing promotion and seeking reversion bar a candidate under HRMD circular 494 of 26.03.2020; status reckoned on 20.11.2025 | 20.11.2025 |
The circular says the policy rests on a Settlement of 29.10.1998 with the PNB Employees Federation, a Settlement of 13.10.2008, HRMD circular 494 of 26.03.2020 “as amended from time to time”, and MoUs signed on 15.11.2022 and 14.10.2024. We have not read those documents, so any rule they hold beyond what circular 859 repeats (the full debar rules, for instance) is outside this guide.
Priority marks decide whether you may apply
Priority marks are a gate. One mark is given for each completed year of clerical service from the date of appointment as a probationer, and one mark is deducted for every increment withheld permanently as punishment (an increment withheld for a limited period costs the mark only for that period). Leave without pay comes off the length of service only where increments were also deferred for that leave. Qualifications add marks as below.
| Qualification | Priority marks (to apply) | Qualification marks (merit list) |
|---|---|---|
| Graduate | 2 | 6 |
| Master’s degree (any number of subjects counts once) | 1, plus 1 more for a business administration degree | 2 (one PG degree only) |
| Degree in law | 1 | Not listed |
| Commerce at Inter, graduation or post-graduation level | Not listed | 2 |
| JAIIB or CAIIB Part I | 2 | 6 |
| CAIIB Part II | 2 | 9 |
| ICWA or CA | 2 | 6 |
| Integrated degree covering graduation and post-graduation | 3 | Not listed |
Qualification marks for the merit list are capped at 25 in total and are counted up to 20.11.2025. The two columns are separate scales: a qualification that earns 2 priority marks can earn 6 or 9 merit marks.
From circular 859, paragraph 5(b). Added together the rows reach 31, so the cap of 25 binds (our arithmetic). The circular does not say whether CAIIB Part II’s 9 includes Part I’s 6.
Service marks: one a year, then one and a half
The service head also has a ceiling of 25. A completed year earns 1 mark up to 10 years and 1.5 marks for each year beyond 10, counted to 01.04.2026, with leave without pay or unauthorised absence deducted only where increments were also deferred.
| Completed years of service | Service marks (our arithmetic) | Note |
|---|---|---|
| 5 | 5 | |
| 8 | 8 | |
| 10 | 10 | Last year at 1 mark a year |
| 12 | 13 | |
| 15 | 17.5 | |
| 18 | 22 | |
| 20 | 25 | The cap of 25 is reached |
| 25 | 25 | The cap of 25 is reached |
Check your own marks
| Worked example (our arithmetic) | Priority marks | Meets service and priority rules? | Qualification marks | Service marks | Qualification + service |
|---|---|---|---|---|---|
| Graduate, 3 completed years, no IIBF | 5 | No (priority marks short) | 6 | 3 | 9 |
| Graduate, 4 completed years, no IIBF | 6 | Yes | 6 | 4 | 10 |
| Graduate with JAIIB, 8 completed years | 12 | Yes | 12 | 8 | 20 |
| Graduate with a master’s degree and both CAIIB parts, 14 completed years | 21 | Yes | 17 to 23 | 16 | 33 to 39 |
| SC/ST graduate, 2 completed years | 4 | Yes | 6 | 2 | 8 |
| Graduate, 5 completed years, one increment withheld permanently | 6 | Yes | 6 | 5 | 11 |
Each example assumes the same completed years at 01.01.2026 and 01.04.2026 and a graduate unless stated; a range appears where the circular leaves the CAIIB Part II marks open.
The written test: what circular 859 says and what PNB’s own handout adds
Circular 859 gives the structure; it is silent on duration, number of questions, number of options and negative marking, and says an information handout will be displayed on the HRMS notice board separately. We have not seen that handout for the Selectivity test. PNB’s portal does publish the handout for the 12.04.2026 test for the one-time PwBD promotion, and it uses the same two paper names and the same 100 marks per paper.
| Point | Circular 859 (Selectivity channel, reported copy) | Candidate handout (one-time PwBD test of 12.04.2026, official) |
|---|---|---|
| Paper I | Knowledge of banking routine, deposit mobilisation schemes, customer service, priority sector, special credit schemes, conventional loans, loan documentation, practice and law of banking; 100 marks | Job Knowledge, Practice and Law of Banking, same syllabus wording; 100 questions, 100 marks, 60 minutes, bilingual |
| Paper II | Economics, general knowledge and accountancy; 100 marks | Accountancy, Economics and General Knowledge; 100 questions, 100 marks, 60 minutes, bilingual |
| Options per question | Not stated | Five alternatives, one correct |
| Time | Not stated | Two hours of testing (one hour per paper); about three hours at the venue |
| Negative marking | Not stated | Not mentioned |
| Language | Bilingual, Hindi and English | Hindi and English, switchable during the test |
| Qualifying marks | 40% in each paper; 30% for SC/ST | Not stated |
| Who sits what | SCSAs posted as such on or before 20.11.2025 sit Paper I only; others sit both papers | Candidates appear for both papers |
The handout also shows the interface: the candidate logs in with the user ID and password on the call letter, confirms the profile, reads instructions and ticks a box before “I am ready to begin”. Only one question shows at a time, an answer counts only once it is saved with “Save & Next” or “Mark for Review & Next”, and the clock is on the server. Candidates carry a pen; a rough sheet is provided and must be handed back. The handout says unfair means can lead to debarment “for a period as decided by IBPS”, which tells you who runs the test.
What the handout’s five sample questions are about
- Paper I: who can stop payment of a cheque; the mode of charge created for an advance against an LIC policy.
- Paper II: the third main type of risk faced by banks; what the current ratio indicates; the loan limit up to which housing loans count as priority sector.
- The handout says the samples show only the form of questions, not the difficulty of the real paper.
- Priority-sector limits are revised by RBI, so check the current Master Directions rather than an old answer.
From the PNB candidate handout for the 12.04.2026 test. We give topics only and no answers.
Scribes, extra time and the application itself
Visually impaired candidates may use a scribe who is not a banker, or magnified text, with 20 minutes of compensatory time for every hour; the same applies to candidates with locomotor disability or cerebral palsy where the writing hand is badly affected (minimum 40% impairment). The request goes in the promotion application and is checked by the controlling office. The circular recalls HRMD circular 653 of 20.09.2022, which says no bank employee may act as a scribe in a promotion examination, “as per IBPS rules”.
Applications go through HRMS (Navigator, Self Service, Promotion, Clerk Promotion, Apply Online Application) and an acknowledgement number is generated; without it the application is not saved. After the controlling offices approve, PNB runs the qualification and service marks in HRMS and the controlling office confirms them, so check the marks shown on your application page and take any error up before the merit list is made. Admit cards are issued through HRMS only, and the system will not print one without an uploaded photograph. Selected candidates are on probation for one year.
What we could not find
Not printed in the documents we read
- The number of vacancies for the 2026-27 cycle.
- How many of the final marks the written test carries.
- Whether CAIIB Part II’s 9 qualification marks are in addition to or inclusive of the Part I marks.
- The full debar rules, which sit in HRMD circular 494 of 26.03.2020 and the Settlements it rests on.
- The result of the 25.01.2026 test, or any cut-off.
If your controlling office has circulated any of these, that document governs.
Where other pages get this wrong
PNB’s circular does not describe a 60% test, 20% interview and 20% service record.
Commonly published instead: One third-party index page summarises the PNB promotion as a written test (60%), an interview (20%) and a service record (20%), with 5 bonus marks for JAIIB.
Circular 859 of 12.11.2025 prints no interview. It prints qualification marks up to 25 (JAIIB or CAIIB Part I 6) and service marks up to 25, and it does not print the test’s weight. We do not repeat the 60/20/20 split because we cannot find it in the circular.
Practise it, don't just read it
PNB’s Paper I names deposits, customer service, priority sector, loans, documentation and the law of banking. Five of our practice quizzes cover those topics.
Fifteen practice quizzes of ten questions each are live. Five cover banking law and practice: Banker-Customer Relationship and Deposits, Negotiable Instruments Act, KYC and Anti-Money Laundering, Priority Sector Lending, and Loans, Securities and NPAs. Ten cover bank accounting and branch work: reconciliation, final accounts, bills of exchange, deposit interest, journal entries and ledgers, trial balance, CBS posting, NEFT and RTGS, IT security, and business English. Every answer carries an explanation.
Other banks in this series: Punjab National Bank, Bank of Baroda, Bank of India, Union Bank of India and Central Bank of India. Rules that run across banks are in the eligibility guide, the pattern and syllabus guide, the selection guide and the officer pay guide.
More in this series
- Eligibility by bank: years, JAIIB/CAIIB, age
- Exam pattern and syllabus by bank
- Selection: merit, seniority, vacancies and posting
- Officer pay after promotion: Scale I, DA and allowances
- Preparation: banking law, KYC, PSL and NPAs
- Bank of Baroda: All India and Seniority channels
- Bank of India: three notices compared
- Union Bank: State Services and All India channels
- Central Bank of India: pattern and eligibility
- SBI clerk to officer promotion (Trainee Officer / JMGS-I): what is public
- Bank promotion Scale I to Scale II: cycles we could source
- Bank promotion Scale II to Scale III: cycles we could source
- JAIIB and CAIIB increments and PQP: pay calculator
- JAIIB and CAIIB syllabus: every paper and module on one map
- Alerts and updates for JAIIB / CAIIB (IIBF)
Frequently asked questions
Is there an interview in PNB’s clerk to officer promotion?
Circular 859 of 12.11.2025 prints no interview. The merit list is built from the online written test, qualification marks (maximum 25) and service marks (maximum 25).
How many years of service does PNB ask for?
Three years in the clerical cadre as on 01.04.2026, or two years for SC/ST candidates, plus a matriculation pass and at least 6 priority marks (4 for SC/ST) counted on 01.01.2026.
What are priority marks at PNB?
One mark for each completed year of clerical service from appointment as a probationer, less one for each increment permanently withheld as punishment, plus marks for qualifications such as graduation (2), JAIIB or CAIIB Part I (2), CAIIB Part II (2) and ICWA or CA (2). They decide eligibility to apply, not rank.
How long is the PNB promotion test and how many questions does it have?
Circular 859 does not say. PNB’s own handout for the one-time PwBD promotion test of 12.04.2026 shows two papers of 100 questions and 100 marks, each of 60 minutes, bilingual, with five alternatives per question. Check the handout for your own test.
Is there negative marking in the PNB promotion test?
Neither circular 859 nor the 12.04.2026 candidate handout mentions it, so we cannot say.
Is JAIIB compulsory for PNB promotion?
No. It earns 2 priority marks and 6 qualification marks in the merit list; a graduate with enough service and priority marks can apply without it.
What is the PNB promotion exam date?
Circular 859 sets the Selectivity channel online test for 25.01.2026. A separate one-time test for persons with benchmark disabilities was held on 12.04.2026. We found no later date.
Sources
- reported — Punjab National Bank HRMD Circular No. 859/2025 of 12.11.2025: Selection of Officers in JMG Scale-I from Clerical Cadre 2026-27 (Selectivity Channel) (full text of the bank’s own circular, marked internal; copy hosted by Adda247)
- official — Punjab National Bank, "Guidelines for candidates appearing for written examination for one-time promotion of persons with benchmark disabilities (PwBD) from clerical cadre to officer cadre (JMG Scale I)", examination of 12.04.2026 (4 pages; published on PNB’s public HRMS portal)
- reported — Bankopedia, "Bank promotion" index page (one-line summaries per bank; shown only where we contradict it)
official = a document published by the conducting body. reported = a news or coaching site we could not check against an original. Where sources disagree this page says so rather than picking one.
