Bank exams – A Road Map

Cracking bank exams is an easy target compared to other government exams and it provides a healthy and happy lifestyle. Nowadays bank jobs have a great demand and they are one of the solutions for unemployment. The online bank exam course from Argutes makes it possible to clear bank exams easily, but without your effort, it will remain as a mirage. The candidates must be aware of the changes and updates regarding the exams. Here, we have listed the important bank exams which might be your career tomorrow. Choose your future!

SBI exams

The State Bank of India yearly conducts three types of exams for different posts. The exams conducted by the bank especially SBI PO, Clerk, SO, etc., are some of the most sought after banking exams in the country because of its brand value, lucrative pay scale, growth opportunities, and job satisfaction. The details of the exams are given below.

1. SBI PO Exam

  • The work of a bank probationary officer includes managerial tasks, such as supervision of clerical work, making decisions for the benefit of the bank, managing cash balance etc.
  • Your age should be between 21 – 31 years and the candidate must be a graduate in any stream from a recognised university or have an equivalent degree/qualification which is recognised by the Central Government.
  • For this year, 2020, the preliminary exam is scheduled on December 31, 2020, 2, 4 and 5th January 2021, mains exam on January 29 2021, and the interview will be on February/ March 2021.
  • Presently, the starting basic pay is 27,620/- with 4 advance increments.
  • The selection criteria have three phases
    • Phase-I: Preliminary exam – 100 marks
      • English Language – 30 marks
      • Quantitative Aptitude – 35 marks
      • Reasoning Ability – 35 marks
    • Phase-II: Main examination – 200 + 50 marks
      • Reasoning & Computer Aptitude – 60 marks
      • Data Analysis & Interpretation – 60 marks
      • General/ Economy/ Banking Awareness – 40 marks
      • English Language – 40 marks
      • Descriptive Test: The Descriptive test with two questions for 50 marks will be a test of English language (Letter Writing & Essay).
    • Phase-III: Interview only (50 marks) or Interview (30 marks) & Group Exercises (20 marks).
  • Depending on the number of vacancies available, cut-offs will be decided.

2. SBI Clerk

  • The SBI clerks carry out the daily routine work of the bank; they have daily face to face interaction with the customers and are responsible for overall business activities.
  • In short, the SBI Clerks are responsible for the smooth functioning of the bank branches across the country.
  • The candidate age should between 20 to 28 years and he/she should be graduated in any discipline from a recognised University or any equivalent qualification recognised as such by Central Government.
  • The SBI Clerk will enjoy salary starting from Rs. 11,765 and it goes up to Rs. 23600 per month at a metro city like Mumbai.
  • In 2020, the prelims and mains exam were conducted on 22, 29 February, 1, 8 March and 31st October respectively.
  • The cut-off varies from state to state. Depending on the number of the State/ UT wise vacancies available, cut-offs will be decided and candidates will be considered for provisional allotment.
  • The selection criteria have three phases
    • Phase-I: Preliminary exam – 100 marks
      • English Language – 30 marks
      • Numerical Ability – 35 marks
      • Reasoning – 35 marks
    • Phase-II: Main examination – 200 marks
      • General English – 40 marks
      • Quantitative Aptitude – 50 marks
      • Reasoning Ability and Computer Aptitude – 60 marks
      • General/Financial Awareness – 50 marks
    • Phase-III: In Language Proficiency Test (LPT), all candidates who get provisionally selected after clearing Preliminary and Main exams need to appear for a test of specified opted local language.

3. SBI SO Exam

  • SBI SO is one of the most reputed and coveted posts in the banking sector. It is the most- sought post in the banking sector these days.
  • The minimum pay- scale of SBI SO Grade 1 is of Rs. 23,700 excluding DA, HRA and other allowances.
  • There are different eligibility criteria for different posts. Every SBI SO post has a different requirement so the eligibility differs accordingly.
  • The SBI SO Age limit is totally dependant upon the respective SBI SO post that a candidate applies to.
  • The Educational Qualification also varies as per the requirements of the different SBI Specialist Officer posts.
  • In 2020, the SBI SO Exam interview was started on 9th November.
  • There is a separate exam to recruit Specialist Officers as Assistant Managers, Engineers, Officers, Architects, designers, administrators, Tester, Manager, Analysts, Developers, Test lead, innovation specialist, and various other Posts on the regular/ contractual basis.
    • Phase-I: Online examination consists of two papers and the exam pattern depends on the type of the post.
    • Phase-II: Shortlisting is the next process and it is done only for the candidates who opt for contractual posts.
    • Phase-III: Those candidates who applied for both regular and contractual posts and who have cleared the online examination are eligible to appear for the interview.
  • The distribution of marks of each section totally depends on the type of SBI SO post that a candidate has applied for at the time of online application.


IBPS stands for Institute of Banking Personnel Selection. It is an independent organization which conducts online exams to recruit officers, clerks and trainees in public sector banks in India.

1. IBPS PO Exam

  • The important work of Probationary Officer is customer service. As said before, POs are directly engaged in customer handling.
  • A candidate must be either a citizen of India or a subject of Nepal, Bhutan or a Tibetan refugee who came over to India before 1st January 1962 or a person of Indian origin who has migrated from Pakistan, Burma, Sri Lanka, East African countries of Kenya, Uganda, the United Republic of Tanzania (formerly Tanganyika and Zanzibar), Zambia,
    Malawi, Zaire, Ethiopia and Vietnam with the intention of permanently settling in India.
  • A degree (graduation) in any discipline from a University recognised by the Govt. Of India or any equivalent qualification recognized as such by the Central Government is the minimum qualification to apply for IBPS PO.
  • The basic pay for IBPS PO is Rs. 23,700 and entitled to many other allowances like HRA, DA etc.
  • IBPS PO Prelims and Main exams were held on October 3, 4 & 10, 2020 and November 28, 2020, respectively.
  • Age limit is 20 – 30 years.
  • The exam pattern has 3 phases
    • Phase I: Preliminary exam100 marks
      • English Language – 30 marks
      • Numerical Ability – 35 marks
      • Reasoning Ability – 35 marks
    • Phase II: Main examination – 200 + 25 marks
      • Reasoning & Computer Aptitude – 60 marks
      • English Language – 40 marks
      • Data Analysis and Interpretation – 60 marks
      • General, Economy/Banking Awareness – 40 marks
      • Descriptive exam – English Language (Letter Writing & Essay) – 25 marks
    • Phase III: Interview
      •  The candidates who have been shortlisted in the online main examination will subsequently be called for an interview.
  • Depending on the number of vacancies available, cut-offs will be decided.

2. IBPS SO Exam

  • The posts under IBPS SO exam are
    • I.T. Officer (Scale-I)  holds the key to managing, controlling and optimizing numerous tasks of the banking technology system.
    • Agricultural Field Officer (Scale I) provides detailed information to all the customers about various banking processes and schemes, explains government-related schemes and benefits plan to the people.
    • Rajbhasha Adhikari (Scale I) translates and proofreads all the important documents that are circulated in the Bank. These documents can be internal or outbound. It is the duty of Rajbhasha Adhikari to complete this task efficiently.
    • Law Officer (Scale I) handles all the legal work of the bank.
    • HR/Personnel Officer (Scale I) looks into the activities of the HR department which includes analyzing, handling and implementing existing HR policies.
    • Marketing Officer (Scale I) is usually around bringing more business to the bank and increase profit.
  • The age limit is as same as IBPS PO exam but the educational qualification should be relevant to the post.
  • The basic pay for IBPS SO Scale-I is Rs. 14,500.
  • The preliminary exam is scheduled on 26, 27 December 2020, the mains exam is scheduled on 24 January 2021 and the interview will be in February 2021.
  • The exam pattern varies according to the post. The preliminary exam for 125 marks and mains exam for 60 marks.
  • Each candidate will be required to obtain a minimum score in the test of online main examination and also secure sufficiently high scores to be considered to be shortlisted for interview. Depending on the number of vacancies available, cut-offs will be decided and candidates will be shortlisted for interview.

3. IBPS Clerk Exam

  • The main job of a clerk is to handle all the cash deposits and withdrawals. The clerk is responsible for all the monetary transaction activities whether by cash, cheque, demand draft or any other method. A clerk is considered as the window operator of the bank.
  • The age limit is 20 – 28 years. The candidate must possess a degree (graduation) in any discipline from a University recognised by the Govt. Of India or any equivalent qualification recognized as such by the Central Government.
  • Online preliminary exam is scheduled on 05, 12, 13 December 2020 and mains exam is scheduled on 24 January 2021.
  • The basic pay for an IBPS Clerk is Rs. 11,765 but it goes up to Rs. 20,000 based on the working location.
  • The selection procedure of IBPS Clerk and SBI Clerk is similar.
  • Depending on the number of the State/ UT wise vacancies available, cut-offs will be decided and candidates will be considered for provisional allotment.

4. IBPS RRB Exam

  • Regional Rural Banks have been set up by the Government of India to provide basic banking and financial services in rural areas.
  • The posts of RRB Exam are
    • Officer Scale-III (Senior Manager) Age limit: 21-40 years; Salary: Rs. 38,000 – 44,000/-
    • Officer Scale-II (Manager) Age limit: 21 -32 years; Salary: Rs. 33,000 – 39,000/-
    • Officer Scale-I (Assistant Manager) Age limit: 18 – 30 years; Salary: Rs. 29,000 – 33,000/-
    • Office Assistant (Multipurpose) Age limit: 18 – 28 years; Rs. 19,000 – 22,000/-
  • The online examinations for the Common Recruitment Process for RRBs (CRP RRBs IX) for recruitment of Group “A”-Officers (Scale-I, II & III) and Group “B”-Office Assistant (Multipurpose) were conducted by the Institute of Banking Personnel Selection (IBPS) in September and October/November 2020.
  • IBPS RRB 2020 Officer Scale-I (PO) Exam is conducted in 3 different phases while the Officer Scale-II & III (SO) will be conducted through 2 phases.
  • The selection process for the post of office assistant will be based on the preliminary exam which consists of 80 questions for 80 marks and mains exam for 200 marks with different question pattern according to the post.
  • Depending on the number of vacancies available, the adequate number of candidates in each category not exceeding three times the declared vacancies shall be called for interview.

RBI Exams

RBI (Reserve Bank of India) is the bank to the Indian Government. Working for the bank means that you are directly in the service of the nation. Being associated with the bank is thus a matter of great prestige. You can appear for exams for the following positions to work with the RBI.

RBI Grade B Exam

  • It is the exam for the recruitment of Officers in Grade ‘B’ (General) – DR, DEPR, and DSIM in Common Seniority Group (CSG).
  • The Grade B Officers in the RBI work as foot-soldiers working out through the day to day activities in the bank maintaining the cash inflow and maintenance of order in the bank. They also are responsible for the overlook of swift functioning of the member banks of under the RBI in the country
  • The basic pay of a Grade B Officer in RBI is Rs. 35,150. The pay scale is 35150-1750 (9)-50900-EB-1750 (2)-54400-2000 (4)-62400.
  • The candidates must at least be 21 years and maximum 30 years of age. However, certain age relaxations are provided to candidates belonging to different categories.
  • The exam is conducted in three phases
    • Phase I: Preliminary exam – 200 marks
      • General Awareness – 80 marks
      • Quantitative Aptitude – 30 marks
      • English Language – 30 marks
      • Reasoning  – 60 marks
    • Phase II: Main Exam – 3 papers – 300 marks
      • Paper-I: Economic and Social Issues – 100 marks
      • Paper-II: English (Writing Skills) – 100 marks
      • Paper-III: Finance & Management – 100 marks
    • Phase III: Interview round – 50 marks
  • The RBI Grade B exam notification 2020 is yet to be released. The RBI Grade B Phase I exam was conducted on November 9, 2019, and the RBI Grade B exam for Phase II for various posts was conducted on December 1 & 2, 2019.
  • RBI will decide the minimum cutoff which must be cleared by candidates to be shortlisted for the Interview round.

RBI Assistant Exam

  • The job of an RBI Assistant is to maintain files on various matters of the organization. It also includes a collection of receipts, balance tally, maintenance of ledger, etc
  • In 2020, the prelims and mains exam were conducted on 14, 15  February and 22nd November respectively.
  • The basic pay for an RBI Assistant is Rs. 14,650/- every month (i.e. Rs. 13150/- plus two advance increments admissible to graduates only).
  • A candidate must range between 20-28 years of age to be eligible for the RBI Assistant 2020 Exam.
  • A candidate must hold a bachelor’s degree with an aggregate of 50% and above in any discipline to be eligible for the RBI Assistant Exam 2020.
  • RBI Assistant 2020 Exam will be conducted in three phases:
    • Phase I: Preliminary Exam – 100 marks
      • English Language – 30 marks
      • Numerical Ability – 35 marks
      • Reasoning Ability – 35 marks
    •  Phase II: Mains Exam – 200 marks
      • English Language – 40 marks
      • Quantitative Aptitude – 40 marks
      • Reasoning Ability – 40 marks
      • Computer Knowledge – 40 marks
      • General Awareness – 40 marks
    • Phase III: Language Proficiency Test (LPT)
  • Depending on the number of vacancies available, cut-offs will be decided and candidates will be shortlisted for the next level.
  • The candidates provisionally shortlisted from the main online examination will have to undergo a language proficiency test (LPT).


National Bank of Agriculture and Rural Development or NABARD is the apex development financial institution in India that caters to the needs of the rural population by providing credit for agriculture and other economic activities in rural areas in India.

NABARD Group A Exam

  • NABARD Recruitment to Group A post is conducted for Rural Development Banking Service (RDBS), Protocol & Security Service (P&SS), Rajbhasha and Legal.
  • If you are selected as a NABARD Grade A Officer, you will be given the designation of Assistant Manager (AM). He/she has to deal with matters related to policies of various central and state government programmes related to Agriculture & Rural Development.
  • This is also one of the popular exams conducted by NABARD. The selection for RDBS post is based on 3 phases.
    • Phase I: Preliminary exam – 200 marks
      • English – 40 marks
      • Reasoning – 20 marks
      • Quantitative Aptitude – 20 marks
      • General Awareness – 20 marks
      • Computer – 20 marks
      • Economic and Social issues – 40 marks
      • Agriculture and rural development – 40 marks
    • Phase II: Mains exam – 2 papers – 200 marks
      • Paper-I: General English (common for all) – 100 marks
      • Paper-II: General Post – Economic & Social Issues and Agriculture & Rural Development – 100 marks
      • Paper-II: For all other posts – related to the discipline of the post – 100 marks
    • Phase III: Interview
  • Final selection is made on how well a candidate performs in the Mains Examination as well as the Interview Process.
  • NABARD Grade A Officer 2020 prelims exam was conducted on 25 February and the mains exam was conducted on 24 September.
  • The educational qualification prescribed for the post of RBDS is graduation and the candidates must be between 21 and 30 years.
  • The basic salary is Rs, 28,150 Scale of 28150-1550(4)-34350-1750(7)–46600–EB-1750(4)-5360
  • The Selection for the P&SS post will be through the interview only and the candidates must be between 25 and 40 years.

Related Questions

1. How can I apply for bank exams?

Ans – The application process is completely online. You can get the application form on the official website.

The official websites

  • SBI –
  • IBPS –
  • NABARD –
  • RBI –

2. List out the banking courses after graduation

Ans –

  • MBA in Banking and Finance
  • M.Com in Banking and Finance
  • M.Voc in Banking, Stocks and Insurance
  • PGDM in Banking Management

3. Is there any negative marks?

Ans – Yes, you will get negative marks for the wrong answers but there will be no negative marks for unanswered questions.

4. Can I use a scribe to write my exam?

Ans – Using a scribe has several criteria. The visually impaired candidates and the candidates whose writing speed is affected by cerebral palsy can use their own scribe at their cost during the written examination.

5. Is current affairs needed for bank exams?

Ans – Yes. For exams like IBPS PO, IBPS Clerk, and IBPS SO General Awareness section is asked which includes current affairs.

6. What is the minimum age to write bank exams?

Ans – The minimum age to attend a bank exam is 18 years. You can apply for IBPS RRB Exam for Scale-I Assistant Manager post. Other than that, you should attain 20 years for more options.

7. Tell me about the work location?

Ans – The selected candidate’s work location will be mostly within their home state. In some other cases, the candidate may get the posting in their neighbor state or anywhere in India.

8. Can I attend the online bank exam at home?

Ans- No. You cannot write the bank exams at home. Exam centers will be allotted even for attending online bank exams.

9. Can I apply for more than one exam at the same time?

Ans – Yes, definitely! The application form varies for every exam but all you need is the time for the preparation.

10. What are the things that disqualify a candidate during the exam?

Ans – Late attendance, absence of ID proof, name mismatch and any malpractice during the exam will disqualify you from writing the exam.


Remember, “As you sow, sow you reap!” You are in the process of building a better future. So, never quit! Each day brings you a new opportunity. You can either use it or waste it! The choice is always yours!

Do not forget, Argutes Smart learning is always with you in your bank exams preparation.

All The Best & Good Luck.