SBI Clerk to Officer Promotion Practice Test
2 timed sets of 48 questions on the rules a JMGS-I officer applies at the branch. Every answer is explained from the RBI Master Direction or the section of the Negotiable Instruments Act it is based on.
- RBI Direction or NI Act section named
- Every answer explained
- Score by area
- Time per question
- Deposits and accounts14 q
- Customer service and grievances10 q
- Cheques and the NI Act10 q
- KYC and AML15 q
- Credit and debit cards8 q
- Fraud and digital payment security10 q
- NPAs and provisioning12 q
- Priority sector lending9 q
- MSME and KCC lending7 q
- Loan pricing and wilful defaulters5 q
- 2 timed sets: 48 questions in 40 minutes each
- Your score by area and your time per question
- Every answer explained from the RBI Direction or the NI Act
- Deposits, KYC, cheques, cards, fraud, NPAs, priority sector, MSME, KCC
- Our own questions on current RBI rules, not SBI papers
Start with the free sample
The 4 free questions run in the same test player as the full sets. Each set is 48 questions with every area mixed and a 40-minute clock.
Double-checked questions Real exam pattern Free sample · 4 questions
Full tests 3 tests
One payment unlocks both tests
- 2 timed sets: 48 questions in 40 minutes each
- Your score by area and your time per question
- Every answer explained from the RBI Direction or the NI Act
- Deposits, KYC, cheques, cards, fraud, NPAs, priority sector, MSME, KCC
- Our own questions on current RBI rules, not SBI papers
₹699·no subscription
Every test: instant score, answer review and a breakdown of topics to work on
Free sample
Free sampleSet 1
Included in the full set
Set 2
Included in the full set
2 timed sets of 48 questions on the rules a JMGS-I officer applies at the branch: deposits, KYC, customer service, cheques, cards, fraud, NPAs, priority sector, MSME and KCC lending. Every answer is explained from the RBI Master Direction or the section of the Negotiable Instruments Act it is based on, and after each set you see your score by area and your time per question. Start with the 4 free questions below.
What is inside
| Area | What the questions practise | Questions |
|---|---|---|
| Deposits and accounts | Interest on savings and term deposits, premature withdrawal, overdue and unclaimed deposits, deceased depositors, nomination, minors, lockers. | 14 |
| Customer service and grievances | Customer service in branches, guidance and protection of customers, the Internal Ombudsman. | 10 |
| Cheques and the NI Act | Crossings, holder in due course, paying and collecting banker protection, dishonour under section 138. | 10 |
| KYC and AML | Customer due diligence, officially valid documents, V-CIP, beneficial owners, periodic updation, reporting. | 15 |
| Credit and debit cards | Issue, closure, billing and consent rules for cards. | 8 |
| Fraud and digital payment security | Early warning signals, red-flagged accounts, classifying and reporting fraud, digital payment controls. | 10 |
| NPAs and provisioning | NPA rules by facility, SMA categories, sub-standard, doubtful and loss assets, provisioning, upgradation. | 12 |
| Priority sector lending | Targets and sub-targets, categories, loan limits, weaker sections, PSLCs. | 9 |
| MSME and KCC lending | Collateral-free limits and MSE lending, the Kisan Credit Card scheme. | 7 |
| Loan pricing and wilful defaulters | External benchmark lending, resets, penal charges, wilful and large defaulters. | 5 |
| Total | 2 sets of 48 and the free sample of 4 | 100 |
Each question has one correct answer, and each explanation names the RBI Direction and paragraph, or the section of the Act, it comes from. On 28 November 2025 RBI issued Commercial Banks Directions that repealed its earlier instructions on topics such as KYC and income recognition and asset classification, so the questions follow the Directions as RBI's website listed them on 27 October 2026, not older notes. For the same rules on paper, see the revision kit.
What you see after every set
- Your score out of 48 and your score in each area, so you can see which area costs you the most marks.
- Your time per question, against a 40-minute clock for 48 questions.
- The reason behind every answer, with the RBI Direction or the section of the Act it is based on.
A score here is your score on our questions. It is not a promotion test result and does not predict one.
What is public about the promotion
- The SBI Officers' Association (Chennai Circle) handbook Service Conditions of SBI Officers (2021 edition) lists promotion from Clerical to JMGS-I through a TO Channel and a Merit & Seniority Channel, under SBI e-circular CDO/P&HRD-IR/102/2015-16 dated 03.03.2016.
- The same handbook, under its reversion policy for promotion from the clerical cadre to JMGS-I, says the Bank can revert an officer to the grade or cadre from which he was promoted during probation (one year) if his performance is not considered satisfactory.
- SBIOA Bengal Circle circular 39/2024 (24.03.2024) summarises SBI's e-circular of 21.03.2024 on promotion from Clerical to Trainee Officer (Systems) in JMGS-I for the promotion year 2024-25.
- For eligibility, the test and the interview in your promotion year, rely on SBI's own communications to staff.
Sources: RBI, Master Directions; India Code, Negotiable Instruments Act, 1881; SBIOA (Chennai Circle), Service Conditions of SBI Officers, 2021; SBIOA Bengal Circle, circular 39/2024. Read on 27 October 2026.
Topic practice, not a copy of the SBI test
We found no public SBI document that gives the written test's pattern, marks, timing or syllabus; the staff associations' documents cite internal SBI e-circulars for the promotion. So this is practice on the rules a bank officer works under, not a copy of the SBI test. Every question is our own, written from the RBI Master Directions as RBI's website listed them on 27 October 2026 and the Negotiable Instruments Act, 1881. The length of each set and its 40-minute clock are our practice pace, not the exam's.
Before you buy
How many questions are in the SBI test, and how long is it?
We found no public SBI document that says; rely on SBI's own communications to staff for your year. Our sets are 48 questions with a 40-minute clock as a practice pace.
Will this make me pass?
We do not claim that it will. It gives you timed practice on the current RBI rules, your score by area and the reason behind every answer, so you can see where to revise.
What do I get?
2 sets of 48 questions with a 40-minute clock, in the full test player with a question palette and mark for review. After each set: your score by area, your time per question and the explanation of every answer. Retake either set as often as you like.
How do I pay and get access?
One payment in Indian rupees by UPI or card, handled by our payment provider. Access opens on this device straight after payment. Sign in afterwards to keep it on your account. Purchase policy.
Independent practice material by ProSyllabus, not connected with State Bank of India. These are our own questions on RBI rules and banking law, checked on 27 October 2026.
Disclaimer
Independent practice material by ProSyllabus, not connected with State Bank of India.
Are these questions from the SBI promotion test? No. Every question is our own, written from the current RBI Master Directions and the Negotiable Instruments Act. None comes from an SBI test paper, and we do not use recalled questions.
Is this made or recommended by SBI? No. It is independent practice by ProSyllabus, not connected with State Bank of India.