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October 29, 2026

Apex Society Junior Clerk 60 Day Study Plan 2026: Complete Kerala PSC Preparation Guide

Apex Society Junior Clerk 60 Day Study Plan 2026 can help you cover the syllabus, revise important concepts and practise questions before the examination.

For Apex Society Junior Clerk Category No. 090/2026, the syllabus provided by Kerala PSC is divided into three sections, which are Co-operation (50 marks), Banking (40 marks), and IT & Cyber Laws (10 marks). This means Co-operation and Banking together account for 90 out of the 100 marks, so they should receive the largest share of your study time. However, candidates should not neglect IT and Cyber Laws, as this section can contribute valuable marks.

Scroll down to get a practical 60-day Apex Society Junior Clerk study plan, with a day-wise topic schedule, revision strategy, mock-test guidance and preparation tips based on the prescribed syllabus.

Apex Society Junior Clerk Exam 2026: Overview

Particular	Details
Exam	Kerala PSC Apex Society Junior Clerk 2027
Category Number	090/2026
Recruiting Authority	Kerala Public Service Commission
Department	Apex Societies of the Co-operative Sector in Kerala
Total Marks	100
Co-operation	50 marks
Banking	40 marks
IT & Cyber Laws	10 marks
Preparation Period	60 days
Study Approach	Topic-wise learning, practice, revision and mock tests

The Kerala PSC Exam Calendar 2027 lists the exam for Category No. 090/2026 on 27 January 2027. So candidates should advance their Apex Society Junior Clerk Exam preparation based on this 60 day study plan.

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Kerala PSC Apex Society Junior Clerk Syllabus and Marks Distribution

Before starting a 60-day study plan, understand how the Kerala PSC Apex Society Junior Clerk Syllabus is organised. The marks assigned to each section provide a useful basis for deciding how much time to spend on it.

Syllabus section	Marks	Share of total marks
Co-operation	50	50%
Banking	40	40%
IT & Cyber Laws	10	10%
Total	100	100%

1. Co-operation - 50 Marks

The Co-operation section includes nine major syllabus areas:

Co-operation and other economic systems
Evolution and development of co-operative principles
Types of co-operatives in India and Kerala
Management and working of major co-operative organisations
Co-operative audit
Issues in co-operative management
Settlement of disputes, arbitration, awards, appeals and penalties
Sources of funds and state aid to co-operatives
Co-operative legislation in India and Kerala

2. Banking - 40 Marks

The Banking section contains ten major topics, with four marks assigned to each topic in the supplied syllabus:

Commercial Banking
Central Banking
Indian Commercial Banking - Pre-Liberalisation
Indian Commercial Banking - Post-Liberalisation
Banking Legislation in India
Practices of Banking
Law Relating to Negotiable Instruments
Agriculture and Micro Finance by Banks
Technological Advances in Banking
Recent Trends in Indian Banking

3. IT & Cyber Laws - 10 Marks

This section covers computer fundamentals and basic digital concepts, including:

Hardware, input and output devices, and memory devices
System software, application software and operating systems
Word processors, spreadsheets, databases, presentation software and image editors
Basics of programming instructions
Computer networks and network devices
Internet services, email, search engines and social media
Web browsers and basic HTML
Cybercrimes, the IT Act and other laws at awareness level

Refer to the official Kerala PSC Apex Society Clerk Syllabus 2026 PDF Download to access the complete syllabus.

Apex Society Junior Clerk 60 Day Study Plan 2026

The following Apex Society Junior Clerk 60 Day Study Plan 2026 divides preparation into four stages:

Days 1-20: Build your subject foundation and cover the first major syllabus areas.
Days 21-35: Complete the remaining major topics and strengthen understanding.
Days 36-45: Finish the syllabus, practise questions and address weak areas.
Days 46-60: Revise, attempt mock tests and improve exam readiness.

The schedule is a recommended preparation framework, not an official Kerala PSC timetable. Adjust the daily workload according to your existing knowledge, available study hours and progress.

Days 1-20: Build a Strong Foundation

The first 20 days focus on understanding the core concepts of Co-operation and Banking. Begin with the basic principles and structures before moving into more detailed organisational, legal and technical topics.

Day	Subject	Topics to Study
Day 1	Co-operation	Co-operation and other economic systems; capitalism, socialism and communism
Day 2	Co-operation	Co-operatives compared with partnerships and joint-stock companies; co-operatives as institutions and enterprises
Day 3	Co-operation	Evolution of co-operative principles; Rochdale Pioneers
Day 4	Co-operation	ICA reformulated principles, Karve Committee and ICA principles of 1995; values versus principles
Day 5	Co-operation	Types of co-operatives in India and Kerala; short- and medium-term credit structures
Day 6	Co-operation	Long-term credit structures, agricultural marketing societies and their federations
Day 7	Revision	Revise Days 1-6 and attempt a short topic-wise question set
Day 8	Co-operation	Dairy, fishery, processing, housing, consumer and industrial co-operatives; workers’ co-operatives
Day 9	Co-operation	NAFED, IFFCO, KRIBHCO, NABARD, NDDB, NCDC and National Housing Bank
Day 10	Co-operation	Co-operative audit: definition, objectives, scope, advantages and comparison with company audits
Day 11	Co-operation	Types and stages of audit, audit programme, reconciliation of bank accounts, auditor’s duties and audit reports
Day 12	Co-operation	Co-operative management issues, competition, conflict, organisational size and financing
Day 13	Co-operation	Evaluation of co-operatives; member, enterprise and ethical dimensions
Day 14	Revision	Revise Co-operation topics covered so far and practise objective questions
Day 15	Co-operation	Settlement of disputes, arbitration, awards, appeals, review, revision, tribunal and penalties
Day 16	Co-operation	Sources of funds, state aid, share capital, state partnership funds, grants, subsidies and borrowed funds
Day 17	Co-operation	Evolution of co-operative legislation in India; Acts of 1904 and 1912; major developments
Day 18	Co-operation	Model Co-operative Societies Bills, parallel co-operative laws and Multi-State Co-operative Societies legislation
Day 19	Co-operation	Evolution of co-operative legislation in Kerala and the Kerala Co-operative Societies Act, 1969
Day 20	Banking	Commercial banking: origin, banking systems, functions, deposit types and lending methods

Target by Day 20: Establish a foundation in the major Co-operation topics and begin Banking with a clear understanding of commercial banking.

Days 21-35: Complete Major Banking Topics

Banking accounts for 40 marks, so allocate sufficient time to understand the concepts and practise applying them to objective questions. Use comparison tables, short notes and revision cards for closely related terms.

Day	Subject	Topics to Study
Day 21	Banking	Commercial banking: ancillary services, principles of lending, credit creation and its limitations
Day 22	Banking	Central banking; origin and nationalisation of RBI; currency issue and RBI’s functions
Day 23	Banking	RBI as banker to government and banks; foreign exchange reserves and developmental role
Day 24	Banking	Monetary policy: bank rate, open market operations, CRR, SLR and qualitative credit-control methods
Day 25	Banking	Pre-liberalisation banking: Imperial Bank, SBI, bank nationalisation and social control
Day 26	Banking	Lead Bank Scheme, District Credit Plan, Service Area Approach, DRI Scheme and Regional Rural Banks
Day 27	Banking	Post-liberalisation reforms; Narasimham Committees, new-generation banks, mergers and acquisitions
Day 28	Banking	Local Area Banks, Payment Banks, Small Finance Banks and financial inclusion initiatives
Day 29	Banking	Banking Regulation Act, 1949: objectives, definitions, licensing, inspection, audit and regulation
Day 30	Banking	Banking legislation: reserves, dividend restrictions, amalgamation, acquisition and winding up
Day 31	Banking	Banker-customer relationship, duties, secrecy of accounts, cheques, garnishee orders and stop payment
Day 32	Banking	Banker’s rights, general lien, set-off, appropriation, Ombudsman and types of customers
Day 33	Banking	Negotiable instruments: bills of exchange, promissory notes, cheques, drafts and endorsements
Day 34	Banking	Crossing and dishonour of cheques, collecting and paying bankers, securities, guarantees and indemnity
Day 35	Revision	Revise Banking topics covered so far and practise questions from commercial, central and Indian banking

Target by Day 35: Complete the main conceptual areas of Banking and identify any topics that need another round of study.

Days 36-45: Finish the Syllabus and Practise IT & Cyber Laws

The next stage completes the remaining Banking topics and covers IT & Cyber Laws. Because the computer section is shorter, it can be studied in focused sessions, followed by regular recall practice.

Day	Subject	Topics to Study
Day 36	Banking	Agricultural credit, crop loans, short-, medium- and long-term credit, Kisan Credit Card
Day 37	Banking	Priority-sector lending, categories and targets, NABARD’s roles, microfinance and SHG-bank linkage
Day 38	Banking	Digital banking, ECS, RTGS, NEFT, IMPS, IFSC, ATM, debit and credit cards, RuPay
Day 39	Banking	Internet and mobile banking, digital signatures and certificates, wallets, CDM, CTS, cashless payments and SWIFT
Day 40	Banking	CAMELS rating, Tier I and Tier II capital, RWA, CRAR, NPA classification and provisioning
Day 41	Banking	Securitisation, SARFAESI Act, PMSBY, PMJJBY and Atal Pension Yojana
Day 42	IT & Cyber Laws	Hardware, input and output devices, primary and secondary memory
Day 43	IT & Cyber Laws	System and application software, operating systems, word processors, spreadsheets, databases, presentations and image editors
Day 44	IT & Cyber Laws	Programming instruction types; LAN, WAN and MAN; media, switch, hub, router, bridge and gateway
Day 45	IT & Cyber Laws	Internet services, email, search engines, social media, browsers, basic HTML, cybercrimes, IT Act and other laws

Target by Day 45: Complete the listed Apex Society Clerk Syllabus areas at least once and begin full-syllabus revision.

Days 46-60: Revision, Mock Tests and Exam Readiness

The final 15 days should focus less on collecting new study material and more on remembering, applying and correcting what you have already studied. Use your mock-test performance to decide which topics deserve additional revision.

Day	Main Focus	Tasks
Day 46	Co-operation revision	Revise economic systems, co-operative principles and values
Day 47	Co-operation revision	Revise types of co-operatives, credit structures and major organisations
Day 48	Co-operation revision	Revise co-operative audit, management issues and sources of funds
Day 49	Co-operation revision	Revise disputes, arbitration and co-operative legislation in India and Kerala
Day 50	Banking revision	Revise commercial banking, deposits, lending and credit creation
Day 51	Banking revision	Revise RBI, monetary policy, pre-liberalisation and post-liberalisation banking
Day 52	Banking revision	Revise Banking Regulation Act, banker-customer relationships and negotiable instruments
Day 53	Banking revision	Revise agricultural credit, microfinance, digital banking and recent banking trends
Day 54	IT & Cyber Laws	Revise hardware, software, operating systems, networks, internet and cyber laws
Day 55	Practice test	Attempt a full-length mock test under timed conditions
Day 56	Error analysis	Review incorrect answers, unanswered questions and concepts that caused confusion
Day 57	Practice test	Attempt another full-length mock test and compare your performance
Day 58	Weak-area revision	Revisit your lowest-scoring topics across all three sections
Day 59	Final revision	Review concise notes, important comparisons, legal terms and banking abbreviations
Day 60	Light preparation	Review key points, organise exam documents and avoid starting large new topics

Remember not to treat the day-wise schedule as a reason to skip a topic if you need more time. If you are unfamiliar with Banking or Co-operation, extend the learning phase by shortening individual revision sessions only where appropriate. The goal is to cover the syllabus and retain the information, not simply tick off 60 days.

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Apex Society Junior Clerk Frequently Asked Questions

How can I prepare for the Apex Society Junior Clerk exam in 60 days?

Divide your preparation into syllabus coverage, revision and mock-test practice. Start with Co-operation and Banking, which carry 50 and 40 marks respectively, complete IT & Cyber Laws, and reserve the final 15 days primarily for revision and practice.

What is the syllabus for Kerala PSC Apex Society Junior Clerk Category No. 090/2026?

The supplied syllabus has three sections: Co-operation for 50 marks, Banking for 40 marks, and IT & Cyber Laws for 10 marks, making a total of 100 marks. Candidates should consult the official syllabus for the complete topic list.

Which subject should I study first for the Apex Society Junior Clerk exam?

Co-operation is a sensible starting point because it carries 50 marks. However, include Banking from the beginning of your preparation and schedule IT & Cyber Laws before the final revision stage.

How many hours should I study daily for the Junior Clerk exam?

A candidate with a three-hour daily study window can divide it between learning new topics, practising questions, revising earlier material and reviewing mistakes. Candidates with less time should create a realistic routine they can maintain consistently.

Can I complete the Apex Society Junior Clerk syllabus in 60 days?

It may be possible to cover the listed syllabus in 60 days if you follow a consistent schedule and have sufficient daily study time. The time required depends on your prior knowledge, study pace and how much revision you need. Completing the syllabus once does not automatically mean you have mastered it.

How much weightage does Co-operation have in the Apex Society Junior Clerk exam?

Co-operation carries 50 marks out of the total 100 marks according to the supplied syllabus. It accounts for half of the total marks and should receive substantial preparation time.

Is Banking important for the Kerala PSC Junior Clerk exam?

Yes. Banking carries 40 marks, making it the second-largest section. Candidates should study all ten major Banking topics listed in the prescribed syllabus rather than focusing on only commercial banking or current banking developments.

When is the Kerala PSC Apex Society Junior Clerk exam scheduled?

The Kerala PSC examination programme lists 27 January 2027 for Junior Clerk under Category No. 090/2026. Candidates should verify the latest schedule and examination instructions through the official Kerala PSC website and their profile.

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Apex Society Junior Clerk 60 Day Study Plan 2026: Complete Kerala PSC Preparation Guide

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