Career with Bank- A Profitable Investment

Careers in banking and related fields are hot careers today, because it assures well-paid, secure and satisfying career prospects. And the banking sector is on a hiring spree. Many Indian banks, particularly in the public sector, which had stopped recruitment a couple of years ago, have, in fact, resumed hiring new candidates. Today, there are 27 public sector banks, 33 private banks and 43 foreign banks operating in the country, providing jobs to lakhs of people. While the public sector banks still hold the biggest share of the banking business, accounting for about 83 per cent of the total deposits, private banks and foreign banks are bringing in a range of new and innovative services to attract customers. All these changes have resulted in the general upgrading of jobs, calling for more people with professional backgrounds.

There are various different caders at which a person can join the bank, but as far as a fresher is concerned, Clerical and Probationary Officer are the levels they can easily get in.

Selection Procedure:


The selection process at most public sector banks follows a similar pattern. It includes a written test followed by an interview of the selected candidates. The key areas included in these tests are

A. For Probationary Officers’ Exam

1. Written Test


The written test of most of the banks shall consist of the following subjects:

Test of Reasoning, Quantitative Aptitude, General Awareness, English Language.

In addition to this some banks will have the papers like:

Descriptive: General OR Descriptive –English
Computer Awareness, Banking Awareness, Psychometric Test

Most banks give a correct picture about the subjects covered in their exam, in their recruitment advertisement itself.  Most tests also have negative marking for the incorrect answers. There will be penalty for wrong answers marked in the objective tests which will result in negative marks for every wrong answer @ one-fourth or 0.25 of the marks assigned to that question. If the total of the penalty for a test is in fraction, the marks obtained will be rounded off to the nearest integer. The candidate shall be required to qualify in each objective test as per cut-off mark determined on the basis of performance in each test, subject to minimum of (usually 40%) in the aggregate of 200 marks for the objective test. Candidates failing to obtain the minimum qualifying marks will not be declared to have cleared the objective tests. In  most exams the test of English language is for ‘Qualifying purpose’ only. Hence though the candidate has also to pass in the Test of English language, the marks obtained in the test will not be reckoned in the aggregate of 200 marks of the written examination for the purpose of Merit Ranking.

Descriptive Test (if any) tests the wealth of ideas, higher order cognitive abilities, organisation of ideas in a logical coherent manner, written communication skill etc in a concise manner. Language composition, clarity of thoughts and brevity are also matters of consideration in descriptive test. Usually there will be 5 compulsory questions with internal options. The candidates will have an option to write the answers in English or Hindi. In most exams the Descriptive Test carries total marks of 100 with total time duration of 60 minutes. The minimum qualifying marks will be (usually 40%) The status of descriptive test is for qualifying purpose only. Hence though the candidate has also to pass in the Descriptive Test, the marks obtained in the Test will not be reckoned for the purpose of Merit Ranking. Descriptive Test papers only to the extent of 5 times the number of vacancies in case of candidates belonging to General Category and to the extent of 7 times the number of vacancies in case of candidates belonging to the Reserved Category, will be evaluated based on the Merit Ranking of the Objective Test.

2. Interview

A personal interview for 35 marks shall be conducted to assess the candidates’ academic record, power of expression, clarity of thought, qualities of leadership, extra curricular activities, hobbies, general demeanour, behaviour, communication skills etc. Depending on the number of vacancies, such of those candidates who rank sufficiently high in the order of merit in the written test as per the cut off marks decided by the Bank will only be called for interview. The minimum qualifying marks for personal interview would be usually 50% marks (i.e) 17.50 marks ( 45% marks (i.e) 15.75 marks for the Reserved Category candidates) .

Final selection will be made on the basis of aggregate marks obtained by the candidates in the written examination & Interview and will be strictly according to the merit ranking.

B. Clerical Exam

Selection process for clerical staff also follows the same method mentioned in the above PO Selection process. Subjects covered in the clerical exams of almost all banks are also more or less similar to that of PO Exams:

Test of Reasoning, Quantitative Aptitude/Numerical Ability, General Awareness, English Language

Some banks don’t have the General Awareness paper, and some bank exams have questions under the following subjects too:
Computer Awareness, Marketing, Clerical Aptitude, Descriptive English
Final selection will be on the basis of the ranking accorded after adding the marks obtained in the Objective Tests and Interview.

DISCLAIMER: THE INFORMATION GIVEN ABOVE ARE GENERAL IN NATURE AND GIVEN FOR INFORMATION PURPOSE ONLY AND MAY VARY FROM EXAM TO EXAM AND BANK TO BANK. CANDIDATES ARE DIRECTED TO VERIFY THE CORRECTNESS OF THE INFORMATION FROM ACQUAINT YOURSELF BOOKLET ISSUED BY THE BANKS CONCERNED ALONG WITH THE CALL LETTER. THIS WEBSITE OWNER DOES NOT TAKE ANY RESPOSIBILITY FOR ANY MISTAKES THAT MIGHT HAVE CREPT IN ON THESE WEB PAGES.

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