PNB: Local Bank Officer JMGS-I Recruitment 2025

PNB Local Bank Officer JMGS-I  exam is going to be conducted for the selection of  Local Bank Officer JMGS-I  in PNB bank.

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Important Dates

Particulars	Date
Commencement date of on-line application	03.11.2025
Last Date of the online application	23.11.2025
Date of Online Examination	December 2025/ January 2026

Number of Vacancies

Post / s	Minimum Age	Maximum Age (as on 01.07.2025)	Total Vacancies
Local Bank Officer	20	30	750

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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, 2016”	By 10 years
Ex-Servicemen, Commissioned Officers including Emergency Commissioned Officers (ECOs)/ Short Service Commissioned Officers (SSCOs) who have
rendered at least 5 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 of receipt of application) otherwise than by way of dismissal or discharge on account of misconduct or inefficiency or physical disability attributable to military service or invalidment, subject to ceiling as per Government guidelines	By 5 years
Persons affected by 1984 riots	By 5 years

The maximum age limit specified in the table, is applicable to Unreserved category candidates and Economically Weaker Sections (EWSs) category candidates.

Educational Qualifications (As on 23.11.2025)

Posts	Qualifications
Local Bank Officer JMGS-I	Candidate should be a Graduate in any discipline from a University/ Institution recognized/approved by Government of India or its regulatory bodies. 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 onlin

Experience (As on 23.11.2025)

Experience Required:

• Minimum 1 year post-qualification in Clerical/Officer cadre in a Scheduled Commercial Bank or Regional Rural Bank (as per RBI Act, 1934).

Advance Increments:

• Officers from Scheduled Commercial Banks: 1 increment per completed year (max 2), if job profile matches Scale-I Generalist Officer of PNB.
• Officers from subsidiaries of Scheduled Commercial Banks: Eligible for increment only, if job profile matches.
• Proof Needed: Experience certificate in prescribed format, certified by current/previous employer.
• Not Counted: Experience in other financial institutions if job profile differs from Scale-I Generalist Officer.
• Final Authority: Bank’s decision is binding; no appeals allowed.
• Seniority: Prior service/experience not considered for seniority.

Credit History

• At the time of joining, candidates must have a minimum CIBIL score of 680 and a clean credit history.
• If CIBIL status is not updated, candidates must either update it or provide NOCs from lenders confirming no dues; otherwise, the appointment may be cancelled.
• Candidates without a bank account are exempt from producing CIBIL status.
• CIBIL score is not required at the application stage—only at the time of joining.

Probation Period & Service Bond 

• Designation & Probation: Selected candidates will join as Local Bank Officers with a 2-year probation; confirmation as per PNB Officers’ Service Regulation, 1979.
• Posting: After training, LBOs will be placed in any Circle within the selected state.
• Tenure: Must serve in the same state for 9 years or until promotion to SMG Scale IV, whichever is earlier.
• Bank’s Authority: PNB reserves the right to decide postings, roles, and transfers.

Indemnity Bond 

The selected candidates will be required to execute an Indemnity Bond undertaking to serve the Bank for a period of at least 03 years or to pay the Bank a sum of Rs.2,00,000.00 (Rs. Two Lakh Only) in case he / she leaves the Bank before completion of 03 years of active service.

Selection Procedure

The selection process for the post of Local Bank Officer shall be conducted in four phases, namely: 

• Online Written test 
• Screening 
• Language Proficiency Test followed by 
• Personal Interview. 

The Bank reserves the absolute right to decide whether all or any of these modes shall be adopted for selection for the notified post. 

I. Written/ Online Test: 

In case the Bank decides to conduct Online Test, the same will comprise of as under:

Section	Name of section	No. of Questions	Maximum Marks	Duration
1	Reasoning & Computer Aptitude	25	25	35 Minutes
2	Data Analysis & Interpretation	25	25	35 Minutes
3	English Language	25	25	25 Minutes
4	Quantitative Aptitude	25	25	35 Minutes
5	General/Economy/Banking Awareness	50	50	50 Minutes
	Total	150	150	180 Minutes

Note:

• There will be negative marking for wrong answers. One – fourth of the marks assigned to each question will be deducted for each incorrect answer. 
• Candidates will have to score minimum qualifying marks of 40% for General/EWS category and 35% for Reserved category in each section. 
• The Bank, however, reserves the right to revise the minimum qualifying criteria at its sole discretion. 

Screening

• Bank will scrutinize applications and documents of written test qualified candidates before Language Test/Interview.
• If found ineligible or documents are false/incorrect at any stage, candidature will be rejected and not considered further.

Language Proficiency Test

• Candidates who did not study the local language in 10th/12th must appear for LLPT. 
• LLPT is qualifying only; failure to secure minimum marks = ineligible for final selection.
• Test will check reading, writing, speaking skills in the local language.
• Exempted: Those who studied the local language in 10th/12th, but must show valid proof (mark sheet/certificate).

Personal Interview

• All shortlisted candidates (with/without LLPT) will be called for Personal Interview.
• Number of candidates for interview decided by Bank based on Written Test + LLPT performance.
• Interview = 50 marks; qualifying marks: 22.5 (SC/ST), 25 (Others).
• Those failing to qualify in interview are disqualified.

Final Selection

• Final selection = Combined marks of Written Test + Interview, subject to LLPT qualification (if applicable), eligibility, and document verification.
• LLPT is mandatory; failure = ineligible, even with qualifying marks.
• Merit list prepared State-wise & category-wise from aggregate scores; LLPT-exempt candidates (10th/12th local language) included.
• Must qualify in both Written Test & Interview and be in merit for provisional appointment.
• Tie-breaker: Elder candidate (by DOB) placed higher.

Note:

The Local Language Proficiency Test (LLPT) and Personal Interview may be conducted on consecutive days or within a close timeframe, as per the discretion and administrative convenience of the Bank.

The Bank reserves the right to decide the schedule, structure, and mode of conduct for both LLPT and the Personal Interview. 

Syllabus

Reasoning & Computer Aptitude

• Coding & Decoding
• Syllogism
• Machine Input Output
• Puzzles
• Seating Arrangements
• Direction Sense Test
• Blood Relations
• Problems based on Ages
• Ranking and Order
• Data Sufficiency
• Statement and Conclusions
• Statement and Assumptions
• Statement and Arguments
• Logical Reasoning
• Alphanumeric series
• Inequalities
• Tabulation
• Analogy and classification
• Clocks and Calendar
• Non- Verbal Reasoning
• 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

English Language

• Reading Comprehensions
• Para Jumbles
• Para Completion
• Vocabulary
• Error Spotting
• Sentence Improvement
• Cloze test
• Rearrangement of sentences

Quantitative Aptitude

• Data Interpretation
• Data Sufficiency
• Number Series
• Time and Work
• Time and Distance
• Simple and Compound Interest
• Ratio and Proportion
• Averages
• Mixture and Allegation
• Pipes and Cisterns
• Problems based on trains
• Percentages
• Partnership
• Clocks
• Permutation and Combinations
• Probability
• Profit, Loss and Discount
• Elements of Algebra
• Quadratic Equations

Data Analysis & Interpretation

• Machine Input Output
• Puzzles
• Seating Arrangement
• Order and Ranking
• Inequalities
• Statement and Assumptions
• Statement and Conclusion
• Coding-Decoding
• Cause and Effect
• Statement and Argument
• Venn Diagram/Syllogism
• Blood Relation
• Direction and Distance
• Boats and Streams
• Pie Charts
• Ratio
• Percentage
• Line Charts
• Bar Graphs
• Tabular Charts
• Mixed Graphs
• Paragraph or Caselet DI

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: Laws

• Negotiable Instrument act
• Coinage act
• IBC
• SARFAESI
• Documentation act
• MSMED act
• Banking Regulation act
• RBI act
• Consumer protection act
• RTI act
• Taxation Acts(Income Tax and GST)
• Currency 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
• NPA - latest news

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
• Union Budget

Module E: General / Economic Awareness

• Complete List of Obituaries
• Recently Appointed Brand Ambassadors List
• Monthly GK Digests
• Ministry of Cabinet Ministers
• International reports and indices
• Important committees
• Growth numbers by various organization
• Heads of various financial organizations
• 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
• Upcoming Sports Event From
• List of Sports Events & Winners
• Awards and Honours

PNB: Local Bank Officer Course by Team BankExamsToday

Team BankExamsToday is offering is a full-fledged, comprehensive and systematic course for the preparation of PNB Local Bank Officer JMGS-I exams:

Course Features

• Daily video classes
• Study Material
• Special attention to General/Economy/Banking Awareness from Day 1
• Interview preparation guide

Call/WhatsApp - 9067201000

Punjab National Bank: Local Bank Officer JMGS-I Course 2025