How to Prepare for Kerala CSEB Junior Clerk Exam 2026: Complete Study Plan, Syllabus & Preparation Strategy

Kerala CSEB Junior Clerk Detailed Syllabus 2026

SUBJECT

MARKS

DETAILED SYLLABUS

I. GENERAL ENGLISH

10

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. The Use of Correlatives

12. Direct and Indirect Speech

13. Active and Passive voice

14. Correction of Sentences

II. Vocabulary

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

2. Compound words

3. Synonyms

4. Antonyms

5. Phrasal Verbs

6. Foreign Words and Phrases

7. One Word Substitutes

8. Words often confused

9. Spelling Test

10. Idioms and their Meanings

11.Expansion and meaning of

Common Abbreviations

II. GENERAL KNOWLEDGE

10

(i) United Nations

(ii) History of the Freedom struggle in India

(iii) History of Travancore

(iv) Social reform movements

(v) Political History (India/Kerala)

(vi) Indian Constitution

(vii) Indian Five-Year Plans, Economic reforms

(viii) Reorganization of States

(ix) Governance, and Governance systems (India/Kerala)

(x) Indian States & their Characteristics

(xi) Oceans, Continents, Global Warming

(xii) Kerala's geography, districts, rivers

(xiii) Agricultural crops, minerals, Green Revolution

(xiv) Art, Sports, Literature, Culture (World, India, Kerala),

(xv) Current Affairs

III. TEST of

REASONING

10

(Basic arithmetic, mental ability,

and observation skills assessment)

(i) Numbers and Basic Operations

(ii) Fraction and Decimal Numbers

(iii) Percentage

(iv) Profit and Loss

(v) Simple and Compound Interest

(vi) Ratio and Proportion

(vii) Time and Distance

(viii) Time and Work

(ix) Average

(x) Series

(xi) Problems on Mathematics Signs

(xii) Position determination test

(xiii) Analogy- Word Analogy, Alphabet Analogy,

Number Analogy

(xiv) Odd man out

(xv) Number review system

(xvi) Coding and De Coding

(xvii) Family Relations

(xviii) Sense of Direction

(xix) Time and Angles

(xx) Time in a clock and its reflection

(xxi) Date and Calendar

(xxii) Clerical Ability

IV. PRINCIPLES

and PRACTICE of CO- OPERATION

15

(i) Co-operative principles – Definition of ICA

– values and ethics – Co-operative

Common wealth – Evolution of Co- operative

principles – Distinctive features of Co-operation

– Co-operation and Joint stock company

– Co-operations as a balancing factor

between capitalism, Socialism and Communism.

(ii) Co-operation in foreign countries

a) England – Origin of Co-operative movement

– friendly Societies Act – Industrial providence

Act of 1852 – Robert Owen and his experiments.

b) Germany – credit societies Raiffeisen and Schulze

c) Denmark Dairy Co-operatives

(iii) Committees and Commissions

a) All India Rural credit survey Committee

b) Committee on Co-operative credit (VL Metha)

c) All India Rural credit review committee

d) CRAFICARD

e) Agricultural and Credit Review Committee

f) State aid to Co-operatives:- NCDC, NDDB,

NHB, NABARD etc

(iv) Co-operative education and training –

National Co-operative University, need and

importance – ICA, NCUI, SCU, CCU, NCCT,

NCCE, VAMNICOM, ICM, ACSTI, KICMA,

CAPE, Co- operative week Celebrations,

International Co-operative Day – Co-operative

Flag.

(v) Constitution and functions of PACS and

KSCB, KiSAN Credit Card (KCC),

Principal State partnership fund, NAFSCOB, COBI

(vi) Objects and working of PCARDB And KSCARB,

Debenture redemption fund, Technical enquiry report,

DV File, Procedure for granting long term loans,

National Federation of Agriculture Rural Development

Banks(NFARDB)

(vii) Non – Agricultural credit societies, objectives,

membership and working of urban Co-operative

banks and employee credit societies. Housing

Co-operative, importance and advantage,

constitution and working of primary Housing

societies and House fed, National Federation

of Urban Co-operative Banks(NFUCB).

(viii) Marketing and processing societies, Advantage

of Co-operative marketing, Constitution and

working of primary marketing societies and market fed.

State Co-operative rubber marketing federation, Kerafed,

Rubco, RAIDCO, CAMPCO.

(ix) Need and importance of consumer – Co- operatives

– objects and functions of primary consumer stores

– District whole sale stores – Consumerfed

– Active price policy – Double compartmental systems

– Neethi Stores – students consumer stores, NCCF.

(x) APCOS – objectives and working of primary

milk societies – Regional Co- operative milk

producers unions – KCMMF – Role of dairy

Co-operatives to Rural Development.

(xi) Industrial Co-operative societies – Types of

industrial Co-operatives – Handloom – Coir

– Beedi – Handicrafts –Cashew etc. Hantex

– Coirfed – Handicraft Apex Society

– Kerala Dinesh Beedi – Capex – Texfed.

(xii) SC/ST Fed – Matsyafed – Vanithafed –

Hospitalfed-Tourfed- Labourfed-SPCS – ULCCS.

(xiii) 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.

(xiv) Functional Areas of Management Functional Areas

of Management of Co-operatives, Evaluation of

Performance of Co-operatives. Co- operative

Administration –Need for Professional Management.

Accountability, Budgeting and Control, Human

Resources Management- Motivation, Group Dynamics,

Leadership, Decision making, Problem Solving,

Performance Appraisal, Training Need Assessment (TNA).

Time Management-Procrastination, Stress Management.

Communication. Finance Management-Asset and

Liability Management, Management of operations.

(xv) Co-operatives-Departmental Set Up in Kerala

V. ACT & RULES

15

(i) Kerala Co-operative Societies Act 1969

(As amended)

(ii) Kerala Co-operative Societies Rules 1969

(As amended)

VI. BANKING

20

(i) Banking System in India- Scheduled & Non-

Scheduled Banks, Commercial Banks, RRBs,

Co-op: Banks, Foreign Banks, Local Area Banks,

Small Finance Banks, Payment Banks-CRR, SLR,

Repo, Re-repo, Bank Rates etc. NABARD-

Supervision of Co- operative Banks & RRBs, NBFC

(ii) Banker & Customer Relationship, Different

Types of Customers,

(iii) Special Type of Customers – Minors, Pardanishan

Ladies, Blind Persons, Lunatic, Insolvent persons.

(iv) Know Your Customer (KYC)- Anti Money

Laundering Guidelines of RBI

(v) Regulatory and Supervisiory functions of RBI

(vi) Negotiable Instruments Act 1881

- Negotiable Instruments – Promissory Notes

Bill of Exchange, cheque crossing cheques –

Types of crossing – General crossing, Special

crossing, Non-Negotiable crossing. Endorements

– Meaning Parties of endorsement essentials of

valid endorsement types of endorsement,

endorsement in blank, endorsement in full,

conditional endorsement, restrictive endorsement,

sans resource endorsement, facultative

endorsement, parties to endorsement,

effect of endorsement.

(vii) Payment & Settlement System- Alternate Channels

of Payment- Indian Currency Notes, RTGS,

NEFT, Internet Banking, Mobile Banking, UPI,

ATMs, CDMs, POS, Quick Response Code,

Pre-paid Instruments, Debit Card, Credit Card,

Core Banking Solution (CBS).

(viii) Grievance Redressal Mechanisms- Integrated

Ombudsman Scheme 2021, Consumer

Protection Act (COPRA) 2019.

(ix) Deposits – Schemes of Banks and

Co- operative Societies.

(x) Savings Bank A/c-BSBDA, PMJDY, Small

accounts, Guidelines, current account,

Fixed Deposits, RD Account.

(xi) Issue and Payment of Demand Draft,

Safe Deposit Lockers, Safe Custody

of Articles.

(xii) Nomination Rules, Garnishee Order,

Attachment Order, Right of General Lien,

Right of Set Off, Rules of Appropriation Mandate

& Power of Attorney, Lien, Pledge,

Hypothecation, Mortgage.

(xiii) Priority Sector Guidelines, Agri-Loans,

KCC, MSME, Other Loans-General.

(xiv) Different Types of Loans in Banks,

Recovery –Special Mentions accounts

(SMA), Accounts – NPA norms.

VII. ACCOUNTIN G

20

(i) Definition and Objects of financial accounting

Branches of accounting – Advantages -

Limitation

(ii) Accounting Principles – concepts –

conventions

(iii) Journal – Ledger – Subsidiary books –

Trial balance – Errors – its rectification

(iv) Final accounts and Adjustments

(v) Depreciation Methods – Bills of exchange

consignment- Accounts of non- Trading concern

(vi) Co-op accounting – Day book – General ledger

Receipts and Disbursement statement – Final accounts

– Bank Reconciliation statement.

(vii) Cost Accounting

Cost Accounting-Objectives and Advantages.

Limitations of a Good Costing System, Types

of Costing-Marginal coasting, Standard Costing,

Opportunity Cost, Sunk Cost, Differential Cost,

Elements of Cost-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

(viii) Labour cost – Types of labour systems

of wage payment

(ix) Financial Planning

Financial Planning-Forecasting, SWOT analysis

and Profit Planning, Budgeting, Budget, Capital Budgeting

-Cost of Capital, Statement and Return to be furnished

to the Registrar.

(x) Analysis of Financial Statements:

Reading Financial Statement-Trial Balance/R&D

Statements, Trading and Profit and Loss Account,

Balance Sheet- Ratio Analysis, Working Capital/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 Find Flow Analysis, Ratio Analysis.

Fraud-Causes, Fraud Triangle, Prevention of Fraud.

Statutory

Audit-Submission of Statement to the Auditors.

TOTAL

100 MARKS

Name of the Post

Kerala CSEB Junior Clerk/Cashier 2025

Category Number

08/2025

Conducting Authority

Kerala State Cooperative Service Examination Board

Kerala CSEB Junior Rank List 2025 Published Date

10/11/2025

CSEB Junior Clerk Notification PDF Link for 08/2025

Click Here

Kerala CSEB Official Website

Official CSEB Website

Name of the Exam

Kerala CSEB Junior Clerk 2025

Conducting Authority

Kerala State Co-Operative Service Examination Board (CSEB)

Category Number

34/2025

CSEB Junior Clerk Notification 2025 Date

17/12/2025

CSEB Junior Clerk Application Start Date 2025

17/12/2025

CSEB Junior Clerk Last Date of Application 2025

16/01/2026

Recruitment Type

Direct Recruitment