CSEB Kerala Syllabus 2026 PDF & Exam Pattern – Subject Wise Topics & Marks Details

(i) English Grammar

1. Types of Sentences and Interchange of Sentences

2. Different Parts of Speech

3. Agreement of Subject and Verb

4. Articles

5. Uses of Primary and Modal Auxiliary Verbs

6. Question Tags

7. Infinitive and Gerunds

8. Tenses

9. Tenses in Conditional Sentences

10. Prepositions

11. Use of Correlatives

12. Direct and Indirect Speech

13. Active and Passive Voice

14. Correction of Sentences

15. Degrees of Comparison

(ii) Vocabulary

1. Singular & Plural, Change of Gender, Collective Nouns

2. Word formation using prefix or suffix

3. Compound words

4. Synonyms

5. Antonyms 6. Phrasal Verbs

7. Foreign Words and Phrases

8. One Word Substitutes

9. Words Often Confused

10. Spelling Test

11. Idioms and their Meanings

12. Expansion and Meaning of Common Abbreviations

1. United Nations

2. History of the Freedom Struggle in India

3. History of Travancore

4. Social Reform Movements

5. Political History (India / Kerala)

6. Indian Constitution

7. Indian Five-Year Plans and Economic Reforms 8. Reorganization of States

9. Governance Systems (India / Kerala) 10. Indian States and their Characteristics

11. Oceans, Continents, Global Warming

12. Kerala Geography – Districts, Rivers

13. Agricultural Crops, Minerals, Green Revolution

14. Art, Sports, Literature and Culture (World / India / Kerala)

15. Current Affairs

(Basic arithmetic, mental ability and observation skills)

1. Numbers and Basic Operations

2. Fraction and Decimal Numbers

3. Percentage

4. Profit and Loss

5. Simple and Compound Interest

6. Ratio and Proportion

7. Time and Distance

8. Time and Work

9. Average

10. Laws of Exponents

11. Mensuration

12. Progressions

13. Series

14. Problems on Mathematical Signs

15. Position Determination Test

16. Analogy – Word, Alphabet, Number

17. Odd Man Out

18. Number Review System

19. Coding and Decoding

20. Family Relations

21. Sense of Direction

22. Time and Angles

23. Time in a Clock and its Reflection

24. Date and Calendar

25. Clerical Ability

1. Co-operative Principles – ICA values and ethics – Evolution of Co-operative principles – Distinctive features of Co-operation – Co-operation vs Joint Stock Company.

2. Co-operation in Foreign Countries – England (Friendly Societies Act, Industrial Providence Act 1852, Robert Owen), Germany (Raiffeisen and Schulze Credit Societies), Denmark Dairy Co-operatives.

3. Evolution of Co-operative Movement in India (Before and After Independence).

4. Committees & Commissions – All India Rural Credit Survey Committee, Committee on Co-operative Credit (V.L. Mehta), All India Rural Credit Review Committee, CRAFICARD, Agricultural Credit Review Committee.

5. State Aid to Co-operatives – NCDC, NDDB, NHB, NABARD.

6. Co-operative Education and Training – ICA, NCUI, SCU, CCU, NCCT, NCCE, VAMNICOM etc.

7. PACS, KSCB – Functions and Structure.

8. PCARDB, KSCARB – Long term loan procedures.

9. Urban Co-operative Banks and Employee Credit Societies.

10. Housing Co-operative Societies – Housefed.

11. Marketing & Processing Societies – Marketfed, Kerafed, Rubco, RAIDCO, CAMPCO.

12. Consumer Co-operatives – Consumerfed, Neethi Stores, NCCF.

13. Milk Co-operatives – APCOS, KCMMF.

14. Industrial Co-operatives – Hantex, Coirfed, Kerala Dinesh Beedi, Capex, Texfed.

15. Welfare Schemes – Risk Fund Scheme, Deposit Guarantee Scheme, Pension Scheme etc.

16. Functional Areas of Co-operative Management – HR, Finance, Communication, Performance Evaluation.

17. Co-operative Departmental Setup in Kerala.

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

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

1. Banking System in India – Scheduled & Non-scheduled Banks, Commercial Banks, RRBs, Co-operative Banks, Foreign Banks, Small Finance Banks, Payment Banks.

2. CRR, SLR, Repo Rate, Reverse Repo Rate, Bank Rate.

3. NABARD supervision of Co-operative Banks and RRBs.

4. KYC and Anti-Money Laundering Guidelines of RBI.

5. Regulatory and Supervisory Functions of RBI.

6. Banking Regulation Act, 1949.

7. Payment Systems – RTGS, NEFT, Internet Banking, Mobile Banking, UPI, ATMs, POS, CBS.

8. Currency Issue and Fake Currency Detection.

9. Cyber Crimes and Funds Management.

10. Ombudsman Scheme and Consumer Protection.

11. Nomination Rules and Settlement of Claims.

12. Banking Securities – Lien, Pledge, Hypothecation, Mortgage.

13. Demand Draft, Safe Deposit Lockers.

14. TDS and GST Provisions.

15. Deposits, Loans and Advances.

16. Priority Sector Lending.

17. Loan Appraisal and Financial Statement Analysis.

18. NPA Guidelines and Recovery of Loans.

19. Basel Norms and Risks in Banking.

20. Financial Inclusion Schemes (PMSBY, PMJJBY, APY, Sukanya Samriddhi etc.).

1. Definition and Objectives of Financial Accounting.

2. Accounting Principles, Concepts and Conventions.

3. Journal, Ledger, Subsidiary Books.

4. Trial Balance and Error Rectification.

5. Final Accounts and Adjustments.

6. Depreciation Methods.

7. Bills of Exchange and Consignment Accounts.

8. Accounts of Non-Trading Concerns.

9. Co-operative Accounting and Bank Reconciliation Statement.

10. Cost Accounting Concepts.

11. Material and Labour Cost Control.

12. Financial Planning and Budgeting. 13. Financial Statement Analysis – Ratio Analysis, Cash Flow, Break Even Analysis.

1. Origin, Definition, Scope and Advantages of Audit.

2. Objectives of Audit.

3. Audit Classification.

4. Audit Fees and Audit Cost.

5. Types of Audit – Concurrent, Team, Test, Administrative.

6. Special Features of Co-operative Audit.

7. Vouching, Internal Control, Internal Check.

8. Valuation of Assets and Liabilities.

9. Preparation of Audit Note and Certificate.

10. Audit Defects and Rectification.

11. Asset Classification and Provisioning Norms.

(i) English Grammar

1. Types of Sentences and Interchange of Sentences

2. Different Parts of Speech

3. Agreement of Subject and Verb

4. Articles

5. Uses of Primary and Modal Auxiliary Verbs

6. Question Tags

7. Infinitive and Gerunds

8. Tenses

9. Tenses in Conditional Sentences

10. Prepositions

11. Use of Correlatives

12. Direct and Indirect Speech

13. Active and Passive Voice

14. Correction of Sentences

15. Degrees of Comparison

(ii) Vocabulary

1. Singular & Plural, Change of Gender, Collective Nouns

2. Word formation using prefix or suffix

3. Compound words

4. Synonyms

5. Antonyms 6. Phrasal Verbs

7. Foreign Words and Phrases

8. One Word Substitutes

9. Words Often Confused

10. Spelling Test

11. Idioms and their Meanings

12. Expansion and Meaning of Common Abbreviations

1. United Nations

2. History of the Freedom Struggle in India

3. History of Travancore

4. Social Reform Movements

5. Political History (India / Kerala)

6. Indian Constitution

7. Indian Five-Year Plans and Economic Reforms 8. Reorganization of States

9. Governance Systems (India / Kerala) 10. Indian States and their Characteristics

11. Oceans, Continents, Global Warming

12. Kerala Geography – Districts, Rivers

13. Agricultural Crops, Minerals, Green Revolution

14. Art, Sports, Literature and Culture (World / India / Kerala)

15. Current Affairs

(Basic arithmetic, mental ability and observation skills)

1. Numbers and Basic Operations

2. Fraction and Decimal Numbers

3. Percentage

4. Profit and Loss

5. Simple and Compound Interest

6. Ratio and Proportion

7. Time and Distance

8. Time and Work

9. Average

10. Laws of Exponents

11. Mensuration

12. Progressions

13. Series

14. Problems on Mathematical Signs

15. Position Determination Test

16. Analogy – Word, Alphabet, Number

17. Odd Man Out

18. Number Review System

19. Coding and Decoding

20. Family Relations

21. Sense of Direction

22. Time and Angles

23. Time in a Clock and its Reflection

24. Date and Calendar

25. Clerical Ability

1. Co-operative Principles – ICA values and ethics – Evolution of Co-operative principles – Distinctive features of Co-operation – Co-operation vs Joint Stock Company.

2. Co-operation in Foreign Countries – England (Friendly Societies Act, Industrial Providence Act 1852, Robert Owen), Germany (Raiffeisen and Schulze Credit Societies), Denmark Dairy Co-operatives.

3. Evolution of Co-operative Movement in India (Before and After Independence).

4. Committees & Commissions – All India Rural Credit Survey Committee, Committee on Co-operative Credit (V.L. Mehta), All India Rural Credit Review Committee, CRAFICARD, Agricultural Credit Review Committee.

5. State Aid to Co-operatives – NCDC, NDDB, NHB, NABARD.

6. Co-operative Education and Training – ICA, NCUI, SCU, CCU, NCCT, NCCE, VAMNICOM etc.

7. PACS, KSCB – Functions and Structure.

8. PCARDB, KSCARB – Long term loan procedures.

9. Urban Co-operative Banks and Employee Credit Societies.

10. Housing Co-operative Societies – Housefed.

11. Marketing & Processing Societies – Marketfed, Kerafed, Rubco, RAIDCO, CAMPCO.

12. Consumer Co-operatives – Consumerfed, Neethi Stores, NCCF.

13. Milk Co-operatives – APCOS, KCMMF.

14. Industrial Co-operatives – Hantex, Coirfed, Kerala Dinesh Beedi, Capex, Texfed.

15. Welfare Schemes – Risk Fund Scheme, Deposit Guarantee Scheme, Pension Scheme etc.

16. Functional Areas of Co-operative Management – HR, Finance, Communication, Performance Evaluation.

17. Co-operative Departmental Setup in Kerala.

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

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

1. 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 Rate etc. NABARD supervision of Co-operative Banks & RRBs, NBFC.

2. Banker–Customer Relationship
Different types of customers and special types of customers.

3. Know Your Customer (KYC)
Anti-Money Laundering guidelines issued by RBI.

4. Regulatory and Supervisory Functions of RBI

5. Banking Regulation Act (AACS)

6. Negotiable Instruments Act, 1881
Practical aspects and calculation of due date.

7. Payment and Settlement Systems
Alternate channels of payment including Indian currency notes, RTGS, NEFT, Internet Banking, Mobile Banking, UPI, ATMs, CDMs, POS, Quick Response Code (QR Code), Pre-paid instruments, Debit Card, Credit Card.

8. Note Issue and Currency Management
Note issue, note refund rules, identification of fake currency notes, funds management.

9. Grievance Redressal Mechanisms
Integrated Ombudsman Scheme 2021, Consumer Protection Act.

10. Nomination Rules and Claim Settlement
Settlement of claims on deceased accounts.

11. Banking Legal Rights
Garnishee Order, Attachment Order, Right of General Lien, Right of Set Off, Rules of Appropriation, Mandate & Power of Attorney, Lien, Pledge, Hypothecation, Mortgage.

12. Demand Draft and Safe Custody Services
Issue and payment of demand draft, duplicate DD, safe deposit lockers, safe custody of articles.

13. Unclaimed Deposits
RBI directions regarding unclaimed deposits – DEAF Account.

14. Taxation in Banking
TDS & Income Tax provisions, Goods and Service Tax (GST).

15. Law of Limitation in Banking

16. Bank Guarantee

17. Loans and Advances of Banks
Different categories of borrowers, priority sector guidelines, types of loans in agriculture & MSME sector, jewel loans etc.

18. Charging of Securities and Documentation

19. Resolution of Stressed Assets
SMA accounts, NPA guidelines, income recognition, asset classification, provisioning, recovery of loans – Lok Adalath, arbitration etc.

20. CAMEL Rating and CAMELS Compliance

21. Maintenance of Records

22. Ethics in Banking – Fundamentals

23. Financial Inclusion
Social security schemes such as PMSBY, PMJJBY, APY, Sukanya Samriddhi Yojana etc., BC, BF, RSETIs, FLCs.

1. Definition and Objectives of Financial Accounting
Branches of accounting, advantages and limitations.

2. Accounting Principles
Concepts and conventions.

3. Books of Accounts
Journal, Ledger, Subsidiary Books, Trial Balance, Errors and their rectification.

4. Final Accounts and Adjustments

5. Depreciation and Bills of Exchange
Depreciation methods, Bills of Exchange, Consignment accounts, Accounts of Non-Trading concerns.

6. Co-operative Accounting
Day Book, General Ledger, Receipts and Disbursement Statement, Final Accounts, Bank Reconciliation Statement.

7. Cost Accounting
Objectives and advantages of cost accounting, limitations of a good costing system, types of costing such as marginal costing, standard costing, opportunity cost, sunk cost, differential cost. Elements of cost including direct cost and indirect cost (overheads), non-cost expenses, management reporting and Management Information System (MIS). Material control, bin card, stores ledger, EOQ, methods of valuing material issues.

8. Labour Cost
Types of labour and systems of wage payment.

9. Financial Planning
Forecasting, SWOT analysis, profit planning, budgeting, budget, capital budgeting, cost of capital, statements and returns to be furnished to the Registrar.

10. Analysis of Financial Statements
Reading financial statements including trial balance and R&D statements, trading and profit & loss account, balance sheet, ratio analysis, working capital and working fund elements. 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 of fraud, statutory audit and submission of statements to auditors.

1. Origin – definition scope and advantages of audit

2. Objects of audit

3. Audit Classification / Audit Fees and Audit Cost

4. Different types of audit – Concurrent Audit, Team Audit, Test Audit, Administrative Audit

5. Special features of co-op audit

6. Vouching – Internal control – Internal check

7. Valuation of assets and liabilities – auditor’s duty

8. Preparation of audit note – certificate

9. Audit defects and its rectification

10. Asset Classification and Provisioning norms.

(i) English Grammar

1. Types of Sentences and Interchange of Sentences

2. Different Parts of Speech

3. Agreement of Subject and Verb

4. Articles

5. Uses of Primary and Modal Auxiliary Verbs

6. Question Tags

7. Infinitive and Gerunds8. Tenses

9. Tenses in Conditional Sentences

10. Prepositions

11. Use of Correlatives

12. Direct and Indirect Speech

13. Active and Passive Voice

14. Correction of Sentences(

ii) Vocabulary

15. Singular & Plural, Change of Gender, Collective Nouns

16. Compound Words

17. Synonyms

18. Antonyms

19. Phrasal Verbs

20. Foreign Words and Phrases

21. One Word Substitutes

22. Words Often Confused

23. Spelling Test

24. Idioms and their Meanings

25. Expansion and Meaning of Common Abbreviations

1. United Nations

2. History of the Freedom Struggle in India

3. History of Travancore

4. Social Reform Movements

5. Political History (India/Kerala)

6. Indian Constitution

7. Indian Five-Year Plans and Economic Reforms

8. Reorganization of States9. Governance Systems (India/Kerala)

10. Indian States and their Characteristics

11. Oceans, Continents and Global Warming

12. Kerala Geography – Districts and Rivers

13. Agricultural Crops, Minerals and Green Revolution

14. Art, Sports, Literature and Culture (World/India/Kerala)

15. Current Affairs

1. Numbers and Basic Operations

2. Fraction and Decimal Numbers

3. Percentage

4. Profit and Loss

5. Simple and Compound Interest

6. Ratio and Proportion

7. Time and Distance

8. Time and Work9. Average

10. Series

11. Problems on Mathematics Signs

12. Position Determination Test

13. Analogy – Word, Alphabet and Number Analogy

14. Odd Man Out

15. Number Review System

16. Coding and Decoding

17. Family Relations

18. Sense of Direction

19. Time and Angles

20. Time in a Clock and its Reflection

21. Date and Calendar

22. Clerical Ability

1. Co-operative Principles – Definition of ICA, values and ethics, evolution of co-operative principles, distinctive features of co-operation, co-operation vs joint stock company, co-operation as a balancing factor between capitalism, socialism and communism.

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

3. Committees and Commissions – All India Rural Credit Survey Committee, Committee on Co-operative Credit (VL Metha), All India Rural Credit Review Committee, CRAFICARD, Agricultural and Credit Review Committee, State aid to Co-operatives (NCDC, NDDB, NHB, NABARD etc).

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

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

6. PCARDB and KSCARB working, Debenture Redemption Fund, Technical Enquiry Report, long-term loan procedures, NFARDB.

7. Non-Agricultural credit societies, urban co-operative banks, employee credit societies, housing co-operatives, Housefed, NFUCB.

8. Marketing and processing societies – Marketfed, Kerafed, Rubco, RAIDCO, CAMPCO.

9. Consumer Co-operatives – Consumerfed, Neethi Stores, NCCF.

10. Milk Co-operatives – APCOS, KCMMF and rural development role.

11. Industrial Co-operatives – Handloom, Coir, Beedi, Handicrafts, Cashew; Hantex, Coirfed, Kerala Dinesh Beedi, Capex, Texfed.

12. SC/ST Fed, Matsyafed, Vanithafed, Hospitalfed, Tourfed, Labourfed, SPCS, ULCCS.

13. Welfare Schemes – Risk Fund Scheme, Deposit Guarantee Scheme, Self-Finance Pension Scheme, Ombudsman Scheme, Member Relief Scheme, Consortium Lending Scheme, Welfare and Development Scheme, Employees Welfare Board.

14. Functional Areas of Management – HR management, leadership, communication, finance management, asset and liability management, operations management, performance evaluation.

15. Co-operatives Departmental Setup in Kerala.

1. Kerala Co-operative Societies Act 1969 (As amended)

2. Kerala Co-operative Societies Rules 1969 (As amended)

1. 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, Bank Rates, NABARD supervision, NBFC.

2. Banker–Customer Relationship and Types of Customers.

3. Special Customers – Minors, Pardanishan Ladies, Blind Persons, Lunatic, Insolvent persons.

4. Know Your Customer (KYC) and Anti-Money Laundering Guidelines of RBI.

5. Regulatory and Supervisory Functions of RBI.

6. Negotiable Instruments Act 1881 – Promissory Notes, Bills of Exchange, Cheque Crossing, Endorsements and types.

7. Payment Systems – RTGS, NEFT, Internet Banking, Mobile Banking, UPI, ATMs, CDMs, POS, QR Code, Debit/Credit Cards, Core Banking Solution.

8. Grievance Redressal – Integrated Ombudsman Scheme 2021, Consumer Protection Act 2019.

9. Deposits – Schemes of banks and co-operative societies.

10. Savings, Current, Fixed Deposits and RD Accounts.

11. Demand Draft, Safe Deposit Lockers, Safe Custody of Articles.

12. Nomination Rules, Garnishee Order, Lien, Set Off, Hypothecation, Mortgage.

13. Priority Sector Lending – Agriculture, KCC, MSME.

14. Loans and Recovery – SMA Accounts, NPA norms.

1. Definition and Objects of Financial Accounting, Branches, Advantages and Limitations.

2. Accounting Principles – Concepts and Conventions.

3. Journal, Ledger, Subsidiary Books, Trial Balance, Errors and Rectification.

4. Final Accounts and Adjustments.

5. Depreciation Methods, Bills of Exchange, Consignment Accounts, Accounts of Non-Trading Concern.

6. Co-operative Accounting – Day Book, General Ledger, Receipts and Disbursement Statement, Final Accounts, Bank Reconciliation Statement.

7. Cost Accounting – Objectives, types of costing, elements of cost, material control, bin card, stores ledger, EOQ.

8. Labour Cost – Types of wage payment systems.

9. Financial Planning – Forecasting, SWOT analysis, budgeting, capital budgeting, cost of capital.

10. Financial Statement Analysis – Profit & Loss Account, Balance Sheet, Ratio Analysis, CVP Analysis, Break-Even Point, Cash Flow Analysis, Fraud prevention, Statutory Audit.

1. World History

2. Indian History

3. Geography

4. Indian Constitution

5. Economy

6. Agriculture Industry

7. Science

8. Co-operation

9. Countries

10. Capital

11. Currency

12. Inventions

13. Discoveries

14. Arts

15. Entertainments

16. Religion

17. Mythology

18. Abbreviations

19. Games & Sports

20. Contemporary Issues

1. Computer Types

2. History of Computers

3. First Generation Computers

4. Second Generation Computers

5. Third Generation Computers

6. Fourth Generation Computers

7. Computers in India

1. Structure of a Computer

2. Hardware Components

3. Software Components

4. E-mails

5. Networking

6. Internet

1. Creating and Editing a Document

2. Revising and Refining a Document

3. Creating Reports and Tables

1. Creating and Editing a Worksheet

2. Charting Worksheet

3. Data

4. Managing and Editing a Workbook

1. Presentation Development

2. Presentation Styles

3. Slides

4. Animations

5. Design

6. Graphics

(i) English Grammar

1. Types of Sentences and Interchange of Sentences

2. Different Parts of Speech

3. Agreement of Subject and Verb

4. Articles

5. Uses of Primary and Modal Auxiliary Verbs

6. Question Tags

7. Infinitive and Gerunds

8. Tenses

9. Tenses in Conditional Sentences

10. Prepositions

11. Use of Correlatives

12. Direct and Indirect Speech

13. Active and Passive Voice

14. Correction of Sentences

15. Degrees of Comparison

(ii) Vocabulary

1. Singular & Plural, Change of Gender, Collective Nouns

2. Word formation using prefix or suffix

3. Compound words

4. Synonyms

5. Antonyms 6. Phrasal Verbs

7. Foreign Words and Phrases

8. One Word Substitutes

9. Words Often Confused

10. Spelling Test

11. Idioms and their Meanings

12. Expansion and Meaning of Common Abbreviations

1. United Nations

2. History of the Freedom Struggle in India

3. History of Travancore

4. Social Reform Movements

5. Political History (India / Kerala)

6. Indian Constitution

7. Indian Five-Year Plans and Economic Reforms 8. Reorganization of States

9. Governance Systems (India / Kerala) 10. Indian States and their Characteristics

11. Oceans, Continents, Global Warming

12. Kerala Geography – Districts, Rivers

13. Agricultural Crops, Minerals, Green Revolution

14. Art, Sports, Literature and Culture (World / India / Kerala)

15. Current Affairs

(Basic arithmetic, mental ability and observation skills)

1. Numbers and Basic Operations

2. Fraction and Decimal Numbers

3. Percentage

4. Profit and Loss

5. Simple and Compound Interest

6. Ratio and Proportion

7. Time and Distance

8. Time and Work

9. Average

10. Laws of Exponents

11. Mensuration

12. Progressions

13. Series

14. Problems on Mathematical Signs

15. Position Determination Test

16. Analogy – Word, Alphabet, Number

17. Odd Man Out

18. Number Review System

19. Coding and Decoding

20. Family Relations

21. Sense of Direction

22. Time and Angles

23. Time in a Clock and its Reflection

24. Date and Calendar

25. Clerical Ability

1. Co-operative principles – Definition of ICA, values and ethics, Co-operative Commonwealth, evolution of co-operative principles, distinctive features of co-operation, co-operation vs joint stock company, co-operation as a balancing factor between capitalism, socialism and communism.

2. Evolution of Co-operative movement in India – before independence and after independence.

3. Committees and Commissions – All India Rural Credit Survey Committee, Committee on Co-operative Credit (VL Metha), All India Rural Credit Review Committee, CRAFICARD, Agricultural and Credit Review Committee, State aid to Co-operatives (NCDC, NDDB, NHB, NABARD etc).

4. 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, Co-operative Flag

.5. Marketing and processing societies – advantage of co-operative marketing, constitution and working of primary marketing societies and Marketfed, State Co-operative Rubber Marketing Federation, Kerafed, Rubco, RAIDCO, CAMPCO.

6. Welfare 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, Kerala Co-operative Welfare and Development Scheme, Co-operative Employees Welfare Board.

7. Banking system in India – Scheduled and Non-Scheduled Banks, Commercial Banks, RRBs, Co-operative Banks, Foreign Banks, Local Area Banks, Small Finance Banks, Payment Banks, CRR, SLR, Repo, Bank Rates, NABARD supervision, NBFC.

8. Banker and Customer Relationship – different types of customers and special customers.

9. Know Your Customer (KYC) – Anti Money Laundering Guidelines of RBI.

10. Payment and Settlement Systems – Indian currency notes, RTGS, NEFT, Internet Banking, Mobile Banking, UPI, ATMs, CDMs, POS, QR Code, Prepaid Instruments, Debit Card, Credit Card.

11. Issue and payment of Demand Draft, Duplicate DD, Safe Deposit Lockers, Safe Custody of Articles.

12. TDS & Income Tax Provisions, Goods & Service Tax.

Digital Electronics, Computer Organisation & Operating System

1. Number systems – Binary, Octal, Hexadecimal and conversions.

2. Logic gates, Boolean algebra and simplification techniques.

3. Combinational and sequential circuits – flip-flops, counters, multiplexers, registers.

4. Functional units of a computer – ALU, control unit, CPU architecture.

5. Instruction cycle and addressing modes.

6. Memory hierarchy – RAM, ROM, Cache, Virtual Memory.

7. Input/Output interfaces, bus systems, interrupt handling.

8. Operating system types – batch, time-sharing, real-time.

9. Process scheduling, synchronization, threads, deadlocks.

10. Memory management – paging, segmentation, virtual memory.

11. File systems, device drivers, system boot process (BIOS/UEFI).

12. Windows and Linux server administration – user/group policies, services, disk quotas, cron jobs.

13. System hardening and performance tuning concepts.

14. Virtualization basics – Hypervisors (VMware, Hyper-V), virtual machines, snapshot and rollback.

15. Cloud fundamentals – IaaS, SaaS, PaaS models; private/public/hybrid clouds in BFSI; regulatory concerns over data localization.

Data Structures & Programming in C

16. C programming fundamentals – data types, variables, operators, control flow.

17. Arrays, pointers, strings, functions, structures, file handling.

18. Data structures – linked lists (singly, doubly, circular), stacks, queues.

19. Trees – binary trees, BST, AVL trees.

20. Graphs – representation, BFS and DFS.

21. Searching and sorting – linear, binary, bubble, merge, quick.

22. Applications in transaction queues, ledger trees and POS/ATM communication systems.

Object Oriented Programming in C++/Java

23. OOP concepts – encapsulation, inheritance, polymorphism, abstraction.

24. Classes, objects, constructors, destructors, function/operator overloading.

25. Interfaces and abstract classes.26. Exception handling and file I/O.

27. Templates (C++) and Generics (Java), basic multithreading.

28. Implementation of banking logic (account, customer, transaction) using OOP.

29. Secure architecture for ATM monitoring modules, POS interfaces and API integrations.

Database Management System

30. Types of databases – Relational, Hierarchical, Network.

31. ER models, relational schemas, keys and constraints.

32. SQL – DDL, DML, DCL, TCL commands; joins, views, subqueries.

33. Normalization (1NF–3NF), indexing, transactions and ACID properties.

34. Backup and recovery techniques, role-based access control.

35. Database security and performance in CBS environments.

36. Auditing transactional records and RBI compliance guidelines.

Client Server Architecture & Web Programming

37. Architecture models – 2-tier, 3-tier and n-tier systems.

38. Protocols – HTTP, HTTPS, TCP/IP, FTP.

39. Session and state management and secure communication.

40. HTML, CSS, JavaScript – structure, styling, validation and cookies.

41. Server-side scripting (PHP, ASP.NET) basic concepts.

42. Integration of web front-ends with CBS or MIS systems.

43. Online banking interfaces and secure web services for ATM/POS control.

44. RESTful API interactions for services like UPI, BBPS and CERSAI.

Computer Network and Programming

45. OSI and TCP/IP models.

46. Network topologies – LAN, WAN, VPN, VLAN.47. IPv4/IPv6 addressing, subnetting, routing, switching.

47. Network devices – hub, switch, router, firewall, load balancer.

48. Protocols – HTTP, FTP, SMTP, DHCP, DNS.

49. Socket programming basics and client-server networking.

50. Bank branch connectivity using VPN/MPLS.

51. Intrusion Detection/Prevention Systems (IDS/IPS)

52. Endpoint security – antivirus, DLP, firewall settings.

53. ATM and POS network security practices.

54. SWIFT network architecture and RBI cyber security guidelines.

Software Engineering

55. SDLC models – Waterfall, Spiral, Agile, V-Model.

56. Requirement gathering, feasibility analysis and design principles.

57. Modelling tools – DFDs, UML diagrams.

58. Software testing – unit, integration, system and acceptance.

59. Quality assurance, version control and defect tracking.

60. Gantt charts, PERT and resource estimation.

61. Risk assessment and project planning.

62. Release and patch management in banking applications.

63. Software lifecycle for ATM/POS firmware and CBS upgrades.

64. Compliance with RBI/NABARD documentation and audit readiness, DPDP Act.