Age limit and the Relaxations for Bank Exams

Bank Exams are one of the most sought-after government exams in India. Every year lakhs of aspirants appear for the bank exams. With an increase in the number of students appearing for the exam, the competition is at an all-time high. The vacancies available for the posts are limited as well. Four bodies conduct the most necessary bank exams in India. They are:

  • Institute of Banking Personnel Selection
  • State Bank of India
  • Reserve Bank of India
  • Indian Institute of Banking and Finance.

Apart from the above, the private sector banks announce their vacancies regularly for the probationary officer, specialist officer, and clerical posts.

There are eligibility criteria for every bank exams conducted in India.  Aspirants must have a graduation degree and a post-graduation degree for some specific exams. There is also an age limit set for each category of aspirants.

Why are age limits necessary?

  • Age limit is necessary to maintain a healthy ratio between the vacancies and the total number of aspirants appearing for the exams.
  • The age limit set is different for the reserved and unreserved category of aspirants. It is to create a level playing field for all the aspirants preparing for the same exam.
  • Different levels of the bank exams need different levels of expertise and capabilities. The conducting bodies set the age limit to make sure they get desired candidates for the post as per the vacancies.

What is the age limit for banking exams?

Generally, the age limit is from 20 to 30 years. However, this age limit is different for different posts of bank exams and also relaxations. This relaxation may give opportunity for candidates up to 50 years of thier age if they are eligible. The age limit relaxations are defined by bank exams conducting bodies like IBPS, SBI, RBI, etc., for the corresponding exams. Those candidates claiming exemption need to submit certificates confirming the same at the time of the interview. The maximum age limit and lower age limit of some of the prestigious bank exams are:

IBPS PO

It is the exam for the recruitment of Probationary Officers for all the public sector banks, except the State Bank of India.

For the unreserved category, the lower age limit is at 20 years. The upper age limit of the candidates to appear for the probationary officer’s exam is 30 years.

There are exemptions allowed for some special categories :

The upper age relaxation for the SC/ST category of aspirants is five years. For those from the non-creamy layer of the OBC Category, the upper age relaxation is three years. People with disabilities get the upper age relaxation of ten years if they have the following conditions: Multiple Concurrent Disabilities, Locomotor Disabilities, Partial or Full Blindness, Autism, and mental illness, intellectual or learning disabilities, and Partial or Total Loss of Hearing. Both Ex-Servicemen and 1984 riot victims have an upper age relaxation of five years.

Only a maximum of two cumulative exemptions is allowed for the SC/ST and OBC aspirants. Any ST candidate with a physical disability will get an upper age relaxation of 15 years.

IBPS CLERK

For the clerical examination conducted by IBPS, the lower age limit and upper age limit for the general category aspirants are 20 years and 28 years respectively.

The SC/ST aspirants get an upper age relaxation of five years. The non-creamy layer of OBC gets an upper limit age relaxation of three years.

For the Ex-Servicemen and Disabled Ex-Servicemen, they are subject to an upper age limit of 50 years. If any aspirants have already claimed exemption for posts higher than Group C and Group D, they will not be eligible for further relaxation in IBPS Clerk Exam.

Widows, divorcees, and those who got separated from their husband on a legal basis and have not remarried get an upper age relaxation of nine years. Persons with disabilities with conditions similar to that of IBPS PO enjoy an age relation of 10 years.

Those affected in the 1984 riots and those retrenched from the Union Carbide Factory of Bhopal get an age relaxation of five years.

IBPS SO

The lower age limit of 20 years is the same for all categories of aspirants. For the general aspirants, the upper age limit is at 30 years.

The SC/ST and non-creamy layer of OBC has an upper age relaxation of five years and three years, respectively. The persons with disabilities have an upper age limit of 40 years.

People domiciled in Jammu and Kashmir between 1980-1989, 1984 riot victims and ex-Servicemen get an age relation of 5 years.

SBI PO

Aspirants appearing for SBI PO should not be below 21 years of age. Those belonging to the OBC(creamy layer) and unreserved category enjoy no upper limit relaxation. Their upper age limit is at 30 years.

OBC(Non-creamy layer) enjoys an upper age relaxation of three years, and those belonging to the SC/ST category enjoy an upper age relaxation of five years.

For persons with disabilities, those from the SC/ST category and OBC category enjoy an age relaxation of 15 and 13 years, respectively. The PWD ( Gen/EWS) enjoys an age relaxation of 10 years.

Those persons domiciled in Jammu and Kashmir between 1980 and 1989 and ex-Servicemen( in the post of Emergency Commissioned Officers or Short Service, Commissioned Officers, military service for 5+ years) get an age relaxation of five years.

SBI SO

The age limit for the various specialist’s posts in SBI is different.

Product, Investment and Research Head- 35-50 years

Relationship Manager- Team Lead: 28-40 years, RM: 23-35 years, e-Wealth and NRI: 23-35 years.

Risk and Compliance Officer: 25-40 years

Fixed Income Research Analyst: 30-45 years

Customer Relationship Executive: 20-35 years

Central Operation Team Support: 30-40 years

SBI CLERK

The lower age limit for aspirants appearing in the SBI Clerk exam is 20 years. The upper age limit is 28 years.

Divorcee, widows, and those separated from their husbands and who did not remarry enjoy an age relaxation of 7 years and up to a maximum age limit of 40, 38, and 35 years for SC/ST, OBC, and General/EWS category, respectively. The other age relaxation is similar to that of SBI PO.

RBI GRADE B

For the various Grade B posts, RBI has set a lower age limit of 21 years. For the unreserved category, OBC, and SC/ST category, the upper age limit is 30, 33, and 35 years respectively.

For the ex-employees of any banking institution, the upper age limit is 35 years. Those with benchmark disabilities belonging to the General/EWS category enjoy a relaxation of 10 years. They further enjoy an upper limit relaxation of 3 years and five years when belonging to OBC and SC/ST category respectively.

RBI ASSISTANT

The lower age limit of the aspirants appearing for the RBI Assistant Exam is 20 years. The maximum age limit for general candidates is 28 years. The upper age relaxation is the same as that of the RBI Grade B Exam. Those aspirants who are widows and divorcees enjoy an age relaxation of 10 years until 38 years of age.

These are the various bank exams’ age limit which should be known by most aspirants struggling to make their career in the prestigious banking field. The candidates should be aware of the various relaxations allowed by the exam conducting bodies.