The SBI SCO 2026 Syllabus for Trade Finance Officer has two stages: an online written test and a personal interview. SBI has not put out a separate 2026 syllabus, but the pattern has stayed consistent across 2023 and 2024. The subject-wise breakdown below is based on those previous years. Last updated: 17.05.2026.
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SBI SCO 2026 Exam Pattern Overview
| Phase | Type | Marks | Duration |
|---|---|---|---|
| Phase I | Online Written Test (Objective) | 200 | 120 minutes |
| Phase II | Personal Interview | 50 |
Final merit uses combined Phase I and Phase II marks. Clearing Phase I alone does not get you selected.
Phase I Written Test Pattern
| Subject | Questions | Marks |
|---|---|---|
| Reasoning Ability | 50 | 50 |
| English Language | 50 | 50 |
| General Awareness (Banking Focus) | 50 | 50 |
| Professional Knowledge (Trade Finance) | 50 | 50 |
| Total | 200 | 200 |
Negative marking: 0.25 marks per wrong answer. No penalty for skipped questions.
Important Links
| Link | Status on 25.09.2026 |
|---|---|
| SBI careers page | Click here · Live |
Note: SCO advertisements are posted on this page.
Professional Knowledge Syllabus (Most Important Section)
This section has 50 marks and is where Trade Finance Officer candidates either pull ahead or fall behind. If you already work in forex or trade finance, the topics will feel familiar. The key is revising the rules and instruments before the exam, not just relying on work experience.
Trade Finance Instruments
- Letter of Credit (LC), types, parties, mechanism, discrepancies
- Bank Guarantee (BG) and Standby Letter of Credit (SBLC)
- Documentary Collections, DP, DA, clean collections
- Bills under LC and bills under collection
- Pre-shipment and post-shipment finance, packing credit, PCFC, PSFC
- Buyers credit and suppliers credit
- Factoring and forfaiting in international trade
International Rules and Regulations
- UCP 600, Uniform Customs and Practice for Documentary Credits
- ISBP 821, International Standard Banking Practice
- URC 522, Uniform Rules for Collections
- URDG 758, Uniform Rules for Demand Guarantees
- Incoterms 2020, EXW, FOB, CIF, DDP and all other trade terms
- FEMA 1999 and RBI Master Directions on Export-Import
Foreign Exchange Arithmetic
- Spot rate, forward rate, cross rate calculations
- Exchange margin and loading concepts
- TT rates, bill rates, buying and selling rates
- Nostro, Vostro, and Loro accounts
- SWIFT messaging, MT 700, MT 710, MT 760, MT 103
Compliance and Risk
- Trade-Based Money Laundering (TBML), red flag indicators
- OFAC and UN sanctions compliance
- KYC and AML requirements in trade finance
- ECGC covers, standard policies, specific policies
- EXIM Bank products and schemes
General Awareness Syllabus
- RBI policies, repo rate, reverse repo, CRR, SLR, MSF
- Banking sector news and developments (last 6 months)
- Government financial schemes, PMJDY, Mudra, Stand-Up India, PM SVANidhi
- International financial institutions, BIS, IMF, World Bank, ADB, NDB
- India trade statistics and major trading partners
- Current affairs, economy, budget highlights, Union Budget 2026
- Awards and appointments in banking and finance
Reasoning Ability Syllabus
- Seating arrangement, circular, linear, floor-based
- Puzzles and syllogisms
- Coding-decoding, blood relations, direction sense
- Data sufficiency and logical reasoning
- Inequalities and order-ranking
English Language Syllabus
- Reading comprehension, banking and finance passages
- Para jumbles and sentence completion
- Error detection and phrase replacement
- Cloze test and fill in the blanks
- Vocabulary, synonyms, antonyms in context
Phase II Personal Interview
The interview is 50 marks. You need 25 to qualify if you are in General, EWS, or OBC. SC, ST, and PwBD candidates need 22.5. Questions focus on your actual work experience and how well you know UCP 600. Case-based questions come up regularly. A common one: a discrepancy has been raised on an LC presentation, walk through how you would handle it.
Downloading SBI SCO 2026 Admit Card
- Go to sbi.co.in/web/careers/current-openings
- Look for the link SBI SCO 2026 Phase I Admit Card or Call Letter Download under active notifications
- Click it. You will land on a login page
- Enter your Registration Number and Date of Birth
- Check all details on the admit card before downloading
- Print on A4 paper. Keep two copies, one to submit at the centre, one for your records
SBI SCO Previous Year Cut Off – Phase I (Out of 200)
| SBI SCO Previous Year Cut Off | SBI SCO official record | |
|---|---|---|
| General / UR | 138.50 | 132.75 |
| OBC (NCL) | 133.25 | 128.50 |
| EWS | 133.00 | 128.00 |
| SC | 120.75 | 116.50 |
| ST | 110.50 | 107.25 |
| PwBD | 105.00 | 102.00 |
These are shortlisting cut offs for Phase II interview, not final selection marks.
Qualifying Cut Off vs Merit Cut Off
Two different cut offs apply here. The Phase I qualifying cut off is the minimum you need to get called for interview. That is what the table above shows. The final merit cut off is the combined Phase I and Phase II score needed for actual selection. The merit cut off is always higher, and you only learn it after all interviews are done.
Getting past the SBI SCO 2026 cut off in Phase I means an interview call. It does not mean selection. Your Phase I score counts for 200 of the total 250, so the written test still drives the outcome.
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