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 |
|---|---|---|
|
Chhattisgarh |
Hindi |
80 |
|
Gujarat |
Gujarati |
125 |
|
Himachal Pradesh |
Hindi |
20 |
|
Jharkhand |
Hindi |
10 |
|
Karnataka |
Kannada |
60 |
|
Kerala |
Malayalam |
10 |
|
Madhya Pradesh |
Hindi |
60 |
|
Maharashtra |
Marathi |
60 |
|
Odisha |
Oriya |
80 |
|
Tamil Nadu |
Tamil |
65 |
|
Telangana |
Telugu |
30 |
|
Uttar Pradesh |
Hindi |
200 |
|
Arunachal Pradesh |
English* |
15 |
|
Assam |
Assamese, Bodo, Garo, |
50 |
|
Nagaland |
English* |
5 |
|
West Bengal |
Bengali |
30 |
|
Punjab |
Punjabi |
100 |
|
Total |
1000 |
Number of Vacancies
|
Post / s |
Minimum Age |
Maximum Age (as on 01.03.2026) |
Total Vacancies |
|---|---|---|---|
|
Local Bank Officer |
20 |
30 |
1000 |
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 20.04.2026)
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. |
- All the educational qualifications mentioned should be from a recognized University/ Institute/ Board recognized by Govt. of India/ approved by Govt. Regulatory Bodies.
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 |
- Selected candidates must sign a service bond to serve the Bank for a minimum period from their joining date.
- They must also provide one surety of equal amount, acceptable to the Bank, in the prescribed format before joining.
- They must also provide one surety of equal amount, acceptable to the Bank, in the prescribed format before joining.
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
- Pay Scale (JMGS‑I): ₹48,480 – 2,000/7 – 62,480 – 2,340/2 – 67,160 – 2,680/7 – 85,920
- LBOs Joining Pay: JMGS‑I scale + 3 increments (as per Joint Note at recruitment)
- Qualification Increments: JAIIB/CAIIB increments protected and adjusted at joining
- Allowances: DA, HRA/Leased Accommodation, CCA as per rules & posting location
- Other Benefits: Medical, LTC, terminal benefits, and perquisites 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 |
- Minimum Marks: 40% (Unreserved/EWS), 35% (Reserved) in each section.
- Must clear each section + overall cut‑off in online test to qualify for interview.
- Tie at cut‑off: Higher age candidate ranked above.
- Final Selection: Based on combined scores of Written Test + Personal Interview.
- Candidates failing to clear interview will not be considered.
- Mandatory: Reading, writing, and understanding of local language.
- Test: Conducted for provisionally selected candidates before joining.
- Disqualification: Failing the test → no appointment.
- Exemption: Candidates with 10th/12th mark sheet showing the local language as a subject need not take the test.
- Selection from top‑ranked candidates in merit list (state‑wise & category‑wise) + language test result (if applicable).
- Must qualify both Written Test & Interview separately.
- Weightage: Written Test = 70%, Interview = 30%.
- Written Test (out of 120) → converted to 70 marks
- Interview (out of 50) → converted to 30 marks
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: Laws
- 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
