Introduction to Bank Examinations

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Indian banking system is around a century old, as 1st banking was started in India was in 19th century. Banking in India was earlier in private hands. However, with time bank has be nationalized keeping in mind interest of common man and nation as a whole. Currently, there exist both private as well as public sector banks side by side in India. After 1991, India has done away with the policy of nationalization of resources and industries. In India, At the Apex of banking system is Reserve bank of India (RBI) , which regulates whole banking industry. Below RBI, there are various type of banks, such as State banks of India and its 5 associates (Earlier there were 7 associates banks but 2 have been combined with SBI) Public sector commercial banks, Regional rural banks and private sector banks. Earlier these public sector commercial banks used recruit there clerical and official cadre by their own recruitment examination. But since 2011, IBPS is organising examination for recruitment of Bank-PO and bank clerk in 19 commercial banks of India. SBI organises its own examination for the post.

Currently there are 4 main entrance examination for the post of bank PO as well as for bank clerks.

  • IBPS bank clerk examination: It is an examination organised by IBPS (Institute of banking personnel selection) for clerical cadre of 19 commercial banks. But this is just a qualifying examination, final recruitment is done by individual bank itself on basis of IBPS marks and interview organised by them. At present private sector banks have stated to give consideration in recruitment of their staff.
  • IBPS-PO Examination: This is a qualifying examination organised by (IBPS) at the interval of 6 months for PO in banks. Individual banks call candidates on the basis of marks obtained in this examination for interview and group discussion. Examination is organised by IBPS at time interval of around 6 months, and score of the examination remains valid for the time period of one years from the issue date of marksheet.
  • SBI Clerk Examinations: Examinations are organised by State bank of India itself for SBI itself and its associates banks for the recruitment of clerical cadre. These examinations are then followed by the interviews.
  • SBI bank PO examination: Like SBI clerical examination it is organised by that bank of India itself for SBI itself and its associates banks for the recruitment of PO cadre. Further, The examination will be followed by a group discussion round and an interview for the final selection.

Minimum Essential Qualification

Minimum required qualification of both bank PO as well as clerical cadre is graduation degree from a well reputed university.

Age Limit

The Candidates must have completed 21 years of age but must not be more than 30 years of age.


  • Reasoning: 50 Questions consisting of 50 Marks
  • English Language: 50 Questions consisting of 50 Marks
  • Numerical Ability: 50 Questions consisting of 50 Marks
  • General Awareness: 50 Questions consisting of 50 Marks
  • Computer Knowledge: 50 Questions consisting of 50 Marks

Question Paper

  • All questions are of objective type i.e.. . MCQs.
  • Negative marking is there of th in all banking examinations.
  • All questions will carry 1 mark.
  • There is negative marking of one-fourth for every wrong answer marked.

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