Important Dates
|
Particulars |
Date |
|---|---|
|
Online Registration of Application |
20.08.2025 |
|
Last Date of the online application |
04.09.2025 |
|
Date of Online Examination |
October, 2025 |
Local Language of State
|
State |
Local Language |
Vacancies |
|---|---|---|
|
Andhra Pradesh |
Telugu |
80 |
|
Chhattisgarh |
Chhattisgarhi |
40 |
|
Gujarat |
Gujarati |
100 |
|
Himachal Pradesh |
Dogri |
30 |
|
Jharkhand |
Santhali |
35 |
|
Karnataka |
Kannada |
65 |
|
Maharashtra |
Marathi |
100 |
|
Odisha |
Oriya |
85 |
|
Pundicherry |
Tamil |
5 |
|
Punjab |
Punjabi |
60 |
|
Tamil Nadu |
Tamil |
85 |
|
Telangana |
Telugu |
50 |
|
Assam |
Assamese |
15 |
|
Total |
750 |
Number of Vacancies
|
Post / s |
Minimum Age |
Maximum Age (as on 01.08.2025) |
Total Vacancies |
|---|---|---|---|
|
Local Bank Officer |
20 |
30 |
750 |
Relaxation in Age Limit
|
Category |
Age Relaxation |
|---|---|
|
Scheduled Caste/ scheduled Tribe Candidates |
By 5 years |
|
Other Backward classes (OBC) Candidates (Non-Creamy layer) |
By 3 years |
|
Persons with Benchmark Disability as defined under “The Rights of Persons with Disabilities Act, 2016a” |
By 10 years |
|
Persons affected by 1984 riots |
By 5 year |
|
Ex-Servicemen: Ex-service Commissioned Officers, including ECOs/ SSCOs, who have rendered at least 05 years military service and have been released on completion of assignment (including those whose assignment is due to be completed within one year from the last date for receipt of applications) otherwise, than by way of dismissal or discharge on account of misconduct or inefficiency or on account of physical disability attributable to military service or invalidment. |
By 5 years |
Educational and Professional Qualification (As on 04.09.2025)
|
Posts |
Qualifications |
Post Basic Qualification Work Experience |
|---|---|---|
|
Local Bank Officer JMGS-I
|
A Degree (Graduation) in any discipline from a University recognized by the Govt. Of India or any equivalent qualification recognized as such by the Central Government. The candidate must possess valid Mark-sheet / Degree Certificate that he/ she is a graduate on the day he / she registers and indicate the percentage of marks obtained in Graduation while registering online. |
Work experience* of 18 months or more in Officer cadre in any Public Sector Bank/ Regional Rural Bank on regular basis. Note: Experience in NBFCs, Cooperative banks, private banks, payment banks, small finance banks or fintechs will not be considered. |
Probation Period, Bond Amount And Minimum Service Period
|
Scale |
Bond Amount |
Bond Period |
Probation Period |
|---|---|---|---|
|
Local Bank Officer JMGS-I |
Bond amount shall be equivalent to 3 months’ gross salary (initial basic+ DA as on date of resignation+ Special allowance+ DA on Special allowance) in respective Officer Scale. |
3 years |
6 months |
Credit History
- The candidate applying shall ensure that, they maintain a healthy Credit history and shall have a minimum CIBIL score of 650 or above at the time of joining. CIBIL Report drawn from Bank (where candidate is holding their account) to be submitted at time of Document Verification.
Scale Of Pay & Other Facilities
- The candidates shall be appointed on regular basis and their emoluments are as below:-Officer – JMGS I:- Scale of Pay is Rs. 48480-2000/7-62480-2340/2-67160-2680/7- 85920.
- LBOs shall join at initial scale of pay for JMGS-I + 3 increments in scale of pay, as per Joint Note applicable at time of Recruitment process.
- Increments of acquiring qualifications i.e. JAIIB and CAIIB, if acquired, shall be protected and scale of pay adjusted accordingly at joining.
- DA, HRA /Leased Accommodation (if applicable, as per Scale and location in line with Bank’s prescribed norms), CCA will be paid as per rules in force from time to time and depending upon the place of posting. Medical, LTC, Terminal Benefits and other perquisites will be as per prevailing rules.
Selection Procedure
|
Scale |
Selection Procedure |
|---|---|
|
Local Bank Officer JMGS-I |
|
Online Examination (Exam Pattern)
|
Section |
Name of section |
No. of Questions |
Maximum Marks |
Duration |
|---|---|---|---|---|
|
1 |
English Language |
30 |
30 |
30 Minutes |
|
2 |
Banking Knowledge |
40 |
40 |
40 Minutes |
|
3 |
General / Economic Awareness |
30 |
30 |
30 Minutes |
|
4 |
Computer Aptitude |
20 |
20 |
20 Minutes |
|
Total |
120 |
120 |
120 Minutes |
- The minimum qualifying marks/percentage of marks in each of the section would be 40% for Unreserved & EWS Category and 35% for Reserved Categories.
- Candidates are required to obtain a minimum score in each test /section and also a minimum total score in the online test to be shortlisted for Interview. Prior to the completion of the interview process, scores obtained in the online examination will not be shared with the candidates shortlisted for interview.
- In case more than one candidate scores the cut off marks (common mark at cut off point), such candidates will be ranked according to their age in descending order.
- Minimum qualifying criteria shall be decided by Bank on basis of performance of candidates in online written test. Candidates not clearing the Personal Interview will not be considered for final selection. The combined final scores of candidates shall be arrived at on the basis of scores obtained by the candidates in written test and Personal Interview.
- A candidate should qualify in all the processes of selection, i.e. Written Test and Personal Interview and sufficiently high in the merit to be shortlisted for subsequent process.
- Knowledge of the local language (read, write, understand) is mandatory. A language test will be held before joining, for provisionally selected candidates. Those who fail the test won’t get the appointment. Candidates who studied the local language as a subject in 10th or 12th (proof via marksheet/certificate) are exempt from the test.
Final Selection:
- Final selection is state-wise and category-wise, based on merit and language test (if applicable).
- Candidates must clear both written test and interview separately.
- Final score = Written test (70% weightage) + Interview (30% weightage).
- Written test (out of 120) is converted to 70 marks; Interview (out of 50) is converted to 30 marks.
- Merit list is prepared out of 100 marks total.
Syllabus
English Language
- Reading Comprehensions
- Para Jumbles
- Para Completion
- Vocabulary
- Error Spotting
- Sentence Improvement
- Cloze test
- Rearrangement of sentences
Banking Knowledge
Module A: RBI circulars and Master Circulars
- Priority sector lending
- KYC
- Basel Norms
- Exposure Norms
- Housing Finance
- Sovereign Gold Bonds
- SHG–Bank Linkage Programme
- IRAC norms
Module B: LawsNegotiable Instrument act
- Coinage act
- IBC
- SARFAESI
- MSMED act
- Banking Regulation act
- RBI act
- Consumer protection act
- RTI act
- Foreign Exchange Management Act
Module C: Financial Awareness
- Capital market and money market instruments
- Foreign currency accounts
- Remittances
- News related to banking
- Monetary Policy Updates
- Mergers & Acquisitions in Banking Sector
- Digital Banking Developments
- Important Banking Terms & Abbreviations
Module D: Government Schemes
- PM Vishwakarma
- PM Awas Yojana (Urban & Rural)
- PM SVANidhi
- PM Mudra Yojana
- PM Jan Dhan Yojana
- PM Jeevan Jyoti Bima Yojana
- MSME Samadhaan Scheme
- PM Surya Ghar: Muft Bijli Yojana
- PMEGP, CGTMSE
- Latest government schemes related to banking
General / Economic Awareness
- Payment Options- NEFT, RTGS, Bharat Bill payment etc.
- Complete List of Obituaries
- Recently Appointed Brand Ambassadors List
- Monthly GK Digests
- Ministry of Cabinet Ministers
- Renamed Govt. Schemes, Cities, Airports & Railway Stations
- International reports
- Important committees
- Growth numbers by various organization
- Union budget
- Latest mergers and MOUs of banks and financial institutions
- Heads of various financial organizations
- Mutual Funds
- Joint Military Exercises of India
- List of Summits and Conferences
- India's Rankings in Different Indices
- List of Appointments
- List of Important Days With Themes
- List of MoUs signed by India
- List of Sports Events & Winners
- Awards and Honours
Computer Aptitude
- Hardware and Software
- Operating System Basics
- Internet Terms and Services
- MS-Office (MS-Word, MS-Excel, MS-PowerPoint)
- History of Computers
- Networking and Communication
- Database
- Security Tools and Viruses
Punjab and Sind Bank Local Bank Officer JMGS-I Course by Team BankExamsToday
Course features
- Daily video classes
- Study Material
- Live sessions
- Unit tests
- Special attention to
- Banking Knowledge and General Awareness section from Day 1
- Interview preparation guide
