banking Exams


With the rising of Indian Economy, banking sector also rises in India and today there are large number of Banks in India are available to control the flow of funds in India and to give financial support to the people. It deals with the both the finance deficit and the finance surpluses. Many people are moving towards banks for a brighter career and to promote and to reach the heights in career.
Bank Jobs are one of the most trending jobs in India in which large numbers of aspirants applies and get placed every year. There will a grand openings in Banking sector in 2015
There are lots of banks available in the country under private and public sector which includes IDBI, ICICI, HDFC, Axis Bank, Yes Bank Etc. in Private Sector and SBI, Bank of Maharashtra, Central Bank of India, SBBJ Etc. in Public Sector. Each year these banks released recruitment notification to fill their vacant posts and large number of candidates applies for the job. A deserving and a suitable candidate get selected for the job and having job in the banking sector sharpen the career of a candidate.

About IBPS Common Written Examination(CWE)

The Banking Industry is recruiting in a big way. In the next few years, banks will have to recruit lakhs of candidates. The time taken by a bank to complete the recruitment process has come-down with the introduction of the first of its kind "Common Written Examination (CWE)" in 2011. The Institute of Banking Personnel Selection (IBPS) conducts a series of CWEs for selection of personnel for the posts of Clerks / Probationary Officer / Management Trainee in 20 Public Sector Banks and 82 Regional Rural Banks (RRBs) 

The first ever CWE for PO/MT was held in September 2011, for Clerks it was held in November 2011,for Specialist Officers it was conducted in March 2011 and for RRBs in September 2012. 

Private banks to consider IBPS scores: Some of the old private banks have also decided to use the IBPS CWE scores to recruit candidates for officers and clerks posts in their banks. These banks will now start considering the IBPS CWE scores to fill the PO / Clerks vacancies in their banks. Apart from these private banks, financial institutes like ECGC are also recruiting on the basis of IBPS scores. 

Participating Banks: Except for SBI, almost all the major Public Sector Banks are participating in the CWE. The 20 banks which are participating in the CWE are Allahabad Bank, Andhra Bank, Bank of Baroda, Bank of India, Bank of Maharashtra, Canara Bank, Central Bank of India, Corporation Bank, Dena Bank, IDBI bank, Indian Bank, Indian Overseas Bank, Oriental Bank of Commerce, Punjab National Bank, Punjab & Sind Bank, Syndicate Bank, Union Bank of India, United Bank of India, UCO Bank and Vijaya Bank. 

IBPS conducts series of CWEs in a year - once for each of PO (General Banking Officer - GBO), Clerical, Specialist Officers for recruitment into the Public Sector Banks and Regional Rural Banks to cater to the need of the industry and also to the needs of job aspirants. This means that aspirants are clear about when they should apply, and can plan their preparation in an organised and effective manner. 

Changing trends in bank recruitment process: 

(A) Paper based to ONLINE - IBPS Clerical CWE 2012 goes online 
(B) Cutoffs to be higher. Calculated at two stages 
(C) Common Interviews for bank jobs 

(A) Paper based test to Online test :

Like many other exams, the bank exams are now slowly converting to the online format. This was expected from the day when IBPS announced the first ever CWE in Sep2011. 

The IBPS clerical exam conducted in November 2012 was online. This was the first ever online Clerical CWE exam. The IBPS Specialist officer exam conducted in March 2012 and March 2013 were also online exams. 

The next CWE III for POs/MTs may also go ONLINE very soon. 

(B) Cutoffs calculated at two stages : There is one major change in the process of arriving at the overall cutoff score, when compared to the process that was followed for arriving at the overall cutoff scores for the Sep2011 CWE for PO. Earlier the overall cutoff was equal to the sum total of the cutoffs of the individual tests(sections). But this time the Cutoffs were applied in two stages: 

(I) on standard scores in individual tests 

(ii) on Total Weighted Standard Score 

As a result of the above, the overall cutoff for all the categories is now higher than the sum total of the cutoffs of individual sections for the respective category. This would mean that if a candidate scores the minimum cutoffs in each of the individual tests but does not clear the minimum over all cutoff, he/she is not qualified. This process of applying the cutoffs at two stages was first done when the result of the CWE for Specialist Officer (Exam held in March2012) was announced. 

(C ) Common Interviews for Bank jobs: 

To put a check on multiple selections, IBPS has introduced a system of common interview. According to this, each of the qualified candidate will definitely get one interview call. IBPS coordinates this common interview process. Going further, participating banks do not have any role in conducting interviews for the qualified students. The candidates who have qualified IBPS CWE PO II (June 2012 exam) were the first lot who participated in the common interview. The process of common interview is as follows:

  • Candidates who qualify in IBPS CWE(PO & Clerical) will be called for a common interview to be coordinated by IBPS
  • Candidates, successful in qualifying both the CWE and common interview will be listed in order of merit


  • After the declaration of result of both CWE and common interview , a notification will be issued by IBPS giving the State/UT wise and category wise vacancies for each participating bank
  • Order of preference for banks will then be obtained from the successful candidates


  • Based on the total marks (CWE + Common Interview) and the indication of order of preference of banks and available vacancies, candidates will receive through a computerized system an offer from one of the participating public sector banks
  • Vacancies remaining unfilled on account of candidates declining offer ,will be filled from among the remaining candidates, through subsequent iterations.

Important Note regarding Common Interviews: There will not be any common interviews for recruitment to RRBs, at least for the recruitment based on the CWEs held in Sep2012 for Regional Rural Banks. Each of the RRBs will announce the vacancies separately and the candidates need to apply for banks for which they are eligible as per the criteria announced by the Bank. 

Score Card: Score card will be issued to candidates who secure minimum qualifying marks in each of the test area (sectional cutoffs) and also clear the over all cutoff as fixed by IBPS. 

Validity of the Score card: Score Card issued by IBPS will be valid for one year from the date of issue of the score card. Candidates can appear in subsequent examination/s to enhance their scores.


Bank PO

Bank Clerk

Bank Specialist Officer


Types of Bank Exams

Generally, the bank examinations are of the following types:

  1. A series of Common Written Examinations (CWEs) conducted by the Institute of Banking Personnel Selection (IBPS) as a prerequisite for the selection of personnel for Probationary Officer / Management Trainee / Clerk / Specialist Officer posts in 20 Public Sector banks (IDBI is new entrant) and for Officers and Office Assistants in 82 Regional Rural Banks
  1. Exam conducted by SBI and SBI Associate banks for recruitment to the posts of clerks and officers


    • Exam conducted by Private Sector banks for recruitment to the posts of Clerks and officers (Some of the old Private banks like KVB,TMB,KB have started to consider the IBPS CWE score for the recruitment of Clerks and Probationary officers. Even new private banks like Federal Bank are also recruiting on the basis of IBPS CWE scores)


Eligibility for Bank Exams


Age Limit

Educational Qualifications




20-30 Years

Degree in any discipline from a recognised university or any equivalent qualification

IBPS CWE (Officers) for RRBs

Officer Scale III - 21-40 yrs.
Officer Scale II - 21-32 yrs.
Officer Scale I - 18-28 yrs.

Degree in any discipline for General Banking Officers (50% for Scale II &III) & Degree / PG in a relevant subject for Specialist Officers as given in the notification. Experience also required for some posts

SBI/SBI Associate Banks PO

21-30 Years

Graduation in any discipline from a recognised university / college



IBPS CWE (Clerks) for PSBs

20-28 Years

Degree in any discipline from a recognised university or any equivalent qualification

IBPS CWE (Office Assistants) for RRBs

18-28 Years

Degree in any discipline from a recognised university or its equivalent. Proficiency in local language is mandatory

SBI/SBI Associate Banks Clerks

20-28 Years

Degree in any discipline from a recorgnised university or any equivalent qualification

- Age as on date specified in the notification 
- Relaxation in age for reserved categories as per rules. 

Computer Literacy: 

Some banks insist that the candidate should posses working knowledge of computers before joining the bank and few banks mention that the desired computer skills may be acquired within six months of joining the bank. If a candidate has not studied computers as one of the subjects in school/college, the candidate must possess a valid diploma (basic applications) in computers. 

Language Proficiency: 

Public Sector Banks:
Since clerical cadre recruitment would be on State-wise basis, the candidate may also be required to possess proficiency in the Official Language of the State/UT for which vacancies he wishes to apply. 

Regional Rural Banks :
For Office Assistants (Clerks) and Scale-I Officers ---- Candidates are required to possess proficiency in the Official Language of the State/UT in which RRB is located and must have passed "local language" as one of the subjects at Matriculation/Xth Standard 


Patterns of Bank Exams

Both P.O. and clerical recruitments comprise at least two stages of exams, viz. a written test, and an interview. The written test normally comprises an objective type test and a descriptive test (for PO exams like SBI, NICL, RBI etc.). There is no descriptive test for clerical exams. The interview is normally a personal interview or sometimes, a combination of group discussion and personal interview. 

Bank PO/Clerical Exams: Almost all bank exams have gone the online mode from the traditional pen-paper mode. The test areas in the objective type test of PO/Clerical exams include tests from amongst Reasoning, Quantitative Aptitude, General Awareness, English language, Marketing Aptitude and Computer Knowledge. The Descriptive Writing Test (for PO exams like SBI, NICL, RBI etc.). is to check the proficiency of the student in English Language. It would consist of a test on English Composition comprising Letter Writing, Essay Writing, Precis Writing etc.



IBPS PO Reasoning Syllabus :- Reasoning Section covers all logical reasoning questions. Check “Syllabus of IBPS PO Exam” Logical Reasoning contains Verbal & Non Verbal Category questions. Verbal reasoning means blood relation / Sitting arrangement / coding decoding / making series and Syllogism. Non verbal covers making series / analogy and classification.

  • Number series
  • letter & symbol series
  • statement and argument
  • logical problems
  • verbal reasoning
  • blood relations
  • coding-decoding
  • number ranking
  • making judgments etc.

IBPS PO English Syllabus :  English language Syllabus of IBPS PO Exam is a common paper of basic English knowledge. it have General English , Comprehension & Spelling sections which is
General English: Vocabulary, synonyms, Antonyms, Word formation and Sentence completion
Comprehension: Theme detection, Deriving conclusions, Passage completion, Error detection and Passage correction, Sentence correction
Spelling: Grammar, Idioms and Phrases contains IBPS PO Syllabus.
IBPS PO Quantitative Aptitude Syllabus : Quantitative aptitude Syllabus of IBPS PO Exam papers contains Number system, HCF & LCM, Number series, Problems based on numbers. Approximation Wrong Number, Decimal fractions, Square root and cube root, Simplifications. Partnerships, Percentage, Ratio and proportions, Average & Ages Ratio & Proportion. Profit and loss, Simple interest and compound interest, Time and work, Time and distance, Average, Mensuration. Permutation and combination, Data tables, Probability, Pie charts, Bar graphs, Line graphs, Mixed graphs, Case study. IBPS PO Syllabus Quantitative Aptitude paper cover all these.
IBPS PO General Awareness Syllabus:  General awareness Syllabus of IBPS PO Exam is a basically General Knowledge paper which covers latest information about the Current Affairs (Latest News) from Indian Economy, International Economy, UNO, Marketing, Awards & Honors Sports, Finance, Agriculture etc. History of Banking, current affairs of last 6 months, countries / currencies, Books & Their Authors, Banking Terms, RBI, Fiscal Monetary Policies etc.
IBPS PO Computer Syllabus: Computer Syllabus of IBPS PO Exam covers Basic computerterminology, Software & Hardware questions, Computer abbreviation, Microsoft-office, Basic knowledge of Internet use etc.