SBI CBO Notification 2026 Out for 2273 Posts, Apply Online Begins Today

SBI CBO Notification 2026 Out for 2273 Posts, Apply Online Begins

The State Bank of India (SBI) has announced the SBI CBO Notification 2026, opening doors for 2273 Circle Based Officer (CBO) vacancies across different circles. This recruitment is a golden opportunity for banking professionals seeking a secure and respected position in a leading public sector bank. Interested and eligible candidates can now submit their applications online through SBI’s official recruitment portal within the specified deadline.

SBI CBO Recruitment 2026 Notification Out

The SBI CBO 2026 notification has been released in a detailed PDF format, and candidates are encouraged to review it carefully before starting their application. The online registration and fee payment window will be open from 29 January to 18 February 2026, with the online exam scheduled for March 2026. The notification contains all crucial details, including eligibility requirements, exam pattern, selection process, and important instructions for aspirants.

SBI CBO Recruitment 2026: Notification PDF

Are You Preparing For SBI CBO Exam 2026?

SBI CBO 2026: Summary

The online application process for SBI CBO 2026 is now live, offering experienced banking professionals an excellent opportunity to join one of India’s top public sector banks. Candidates aspiring to become Circle Based Officers should check the summary table below to quickly grasp the important highlights and key details of this recruitment.

SBI CBO Notification 2026
Organization	State Bank of India
Post	Circle Based Officer (CBO)
Category	Recruitment
Vacancy	2273
Application Mode	Online
Age Limit	21 to 30 Years
Eligibility Criteria	Graduation
Basic Pay	Rs.48,480
Selection process	(i) Online Examination (ii) Screening and (iii) Interview (iv) Local Language Proficiency Test
Official Website	www.sbi.co.in.

SBI CBO 2026 Important Dates

The SBI CBO 2026 notification outlines a clear schedule covering key stages such as the start and end of the online application process, examination dates, and result announcements. Candidates are advised to keep a close watch on these dates to avoid missing any critical deadlines during the recruitment process.

Notification Release Date: 28 January 2026
Apply Online Starts On: 29 January 2026
Apply Online Ends On: 18 February 2026
Online Exam Date: March 2026(Tentative)

SBI CBO Vacancy 2026

The SBI CBO 2026 Recruitment offers a total of 2050 regular and 223 backlog vacancies for aspiring candidates across various circles. These positions are aimed at graduates looking to build a career as Circle Based Officers in the State Bank of India. The SBI CBO Vacancy 2026 is distributed across multiple states/union territories for the various categories.

Category	Regular Vacancies	Backlog Vacancies
General (GEN)	852	–
OBC	547	45
SC	303	24
ST	148	154
EWS	200	–
Total	2050	223

In the given section, check the regular as well as backlog vacancies for the different categories.

SBI CBO 2026 Eligibility Criteria

To be eligible for the SBI Circle Based Officer (CBO) 2026, candidates will need to meet specific eligibility criteria as set by the State Bank of India. These will include required educational qualifications, age limits with applicable relaxations, and relevant work experience. Aspirants should carefully review these requirements once the official notification is released to ensure they are eligible before applying.

Educational Qualification:

Candidates must have a graduation degree in any discipline from a recognised university or an equivalent qualification approved by the Central Government.
Even candidates with degrees in Medical, Engineering, CA, or Cost Accountancy are eligible.
The date of passing will be considered as the one mentioned on the mark sheet or provisional certificate. If it’s available online, a certificate from the university mentioning the result date will be accepted.

Age Limit(As On 31/12/2025)

Minimum Age: 21 Years
Maximum Age: 30 Years

Age Relaxation (Upper Age Limit):

SBI CBO Age Relaxation
Category	Age Relaxation
SC/ST	5 years
OBC (Non-Creamy Layer)	3 years
PwBD (SC/ST)	15 years
PwBD (OBC)	13 years
PwBD (Gen/EWS)	10 years
Ex-Servicemen, ECOs, SSCOs (with 5 years’ service)	5 years

Work Experience

Candidates must have at least 2 years of work experience as an officer in a Scheduled Commercial Bank or Regional Rural Bank listed under the Second Schedule of the RBI.

SBI CBO Application Form 2026

The online registration of applications and payment of fees for SBI CBO Recruitment 2026 has started from 29 January 2026 and will continue till 18 February 2026. First, the candidates will have to register, then fill in the required details, after which they will have to pay the application fees through online mode by using a debit card, a credit card, or internet banking.

SBI CBO Apply Online Link 2026

List Of Documents Required To Upload

Recent Photograph(jpg/jpeg)
Signature(jpg/jpeg)
Left Hand Thumb Impression(jpg/jpeg)
Handwritten Declaration(jpg/jpeg)
ID Proof(PDF)

SBI CBO 2026 Application Fees

The application fee for SBI CBO 2026 varies by category, with a fixed amount prescribed for General, OBC, and EWS candidates, while reserved categories are provided fee relaxation as per norms. Applicants must ensure that the fee is paid online within the stipulated period, as applications without successful payment are not considered valid.

Category	Application Fees
General / EWS/ OBC	Rs.750
SC/ ST/ PwBD	Nil

SBI CBO Recruitment 2026 Selection Process

The selection process for SBI CBO Recruitment 2026 consists of an online test followed by an interview round. Candidates must qualify in both stages to be considered for final selection and appointment.

Online Exam
Screening
Interview

Is Local Language Mandatory After the SBI CBO Exam and Interview?

Yes, clearing the Local Language Proficiency Test (LPT) is compulsory even after passing the online exam, screening, and interview.
The LPT checks whether candidates can read, write, and speak the local language of the applied circle.
This test is qualifying in nature and does not carry marks for the merit list.
Candidates who studied the local language in Class 10 or 12 are exempted from appearing in the LPT.
Those who do not qualify for the LPT will not be allowed to join, even if they clear all other stages.

SBI CBO 2026 Exam Pattern

The SBI CBO 2026 online exam includes objective-type questions along with a descriptive test, depending on the official notification. The exam is designed to assess professional knowledge, reasoning ability, and communication skills relevant to the officer role.

Objective Test

Sections: English Language, Banking Knowledge, General Awareness/Economy, Computer Aptitude
Total Questions: 120
Total Marks: 120
Duration: 2 Hours
No negative marking

Descriptive Test

Tasks: One letter and one essay
Total Marks: 50
Duration: 30 minutes

SBI CBO 2026 Syllabus

The SBI CBO 2026 exam is structured to evaluate a candidate’s professional knowledge, reasoning ability, and communication skills required for the Circle Based Officer role. The online test consists of an objective section and a descriptive section.

The objective test covers English Language, Banking Knowledge, General Awareness/Economy, and Computer Aptitude, with a total of 120 questions carrying 120 marks to be completed in 2 hours, and there is no negative marking.

Following this, the descriptive test includes one letter and one essay, carrying 50 marks with a 30-minute duration, aimed at assessing the aspirant’s written communication skills and clarity of thought.

SBI CBO 2026 Salary

Along with the basic pay, CBOs also receive benefits such as Dearness Allowance (DA), House Rent Allowance (HRA) or lease rental, City Compensatory Allowance (CCA), National Pension System (NPS), medical facilities, and other allowances, making this a highly rewarding position in the public banking sector.

Basic Pay	48,480/-
Pay Scale	48480-2000/7-62480-2340/2-67160-2680/7-85920

SBI CBO Job Profile

The Circle Based Officer (CBO) at SBI is a key managerial role that ensures smooth functioning of the bank at the branch and circle levels. A CBO is responsible for a mix of operational, administrative, and business development tasks, making it a challenging yet rewarding position. This role offers hands-on experience in banking operations, customer handling, and strategic decision-making.

Key Responsibilities of SBI CBO:

Manage day-to-day branch operations efficiently.
Handle deposits, advances, and other banking products to meet business targets.
Assess and process credit proposals, ensuring compliance with banking norms.
Build and maintain strong customer relationships.
Supervise branch staff and ensure smooth workflow.
Implement and monitor bank policies, guidelines, and initiatives.
Support marketing and promotion of banking products and services.
Contribute to the overall growth and performance of the branch and circle.

Related Posts
SBI CBO Syllabus	SBI CBO Previous Year Question Papers
SBI CBO Cut Off	SBI CBO Salary

Last Minutes Preparation Tips for RRB Clerk Mains Exam

The RRB Clerk Mains Exam is scheduled for tomorrow, and proper preparation is key to performing your best. At this stage, focusing on accuracy, time management, and strengthening your weaker sections can make a big difference. Revising important topics, practicing mock questions, and maintaining calm will help you approach the exam confidently and maximize your chances of success.

Last Minutes Preparation Tips for RRB Clerk Mains Exam

With the IBPS RRB Clerk Mains scheduled for tomorrow, focus on revision, quick practice, and staying calm. Here’s a targeted strategy:

Quick Revision

Numerical Ability: Revise key formulas, tables, and shortcuts. Focus on high-scoring topics you are confident in.
Reasoning Ability: Quickly revise puzzles, seating arrangements, inequalities, and blood relations. Avoid new or lengthy topics.
English/Hindi Language: Go through vocabulary, common grammar rules, and comprehension strategies.
General Awareness: Skim through recent banking, finance, and current affairs updates.
Computer Knowledge: Revise basic computer fundamentals, MS Office shortcuts, Internet and networking basics, and frequently asked questions on hardware/software.

Practice

Solve short mock sets or previous year questions to stay in exam mode.
Focus on accuracy over attempting everything don’t waste time on very tough questions.

Time Management

Allocate time per section according to your strengths.
Attempt easier questions first to secure marks quickly.

Mindset & Health

Stay calm and confident; avoid stress and panic.
Eat light, sleep well, and take short breaks to refresh your mind.
Keep your admit card, ID, and necessary documents ready tonight.

Exam-Day Tips

Reach the exam center early.
Read instructions carefully before starting the paper.
Maintain a steady pace, and avoid getting stuck on any question.

IBPS RRB Clerk 2026 Exam Pattern & Syllabus

IBPS RRB Exam Pattern and Syllabus must be known to the candidates preparing for the said exam. Preparing according to the syllabus ensures that all the topics are covered for the Prelims and Main Exam.

IBPS RRB Clerk Exam Pattern

The IBPS RRB Clerk exam has two stages- Prelims and Mains. The detailed exam pattern for both phases has been discussed here.

IBPS RRB Clerk Prelims Exam Pattern
Section	No. of Qs.	Max. Marks	Time Duration
Reasoning	40	40	25 minutes
Quantitative Aptitude	40	40	20 minutes
Total	80	80	45 minutes

In the IBPS RRB Clerk mains exam, candidates will have to solve 200 questions. There will be 5 sections, and from each section,n 40 questions will be asked.

IBPS RRB Clerk Mains Exam Pattern
Section	No. of Qs.	Max. Marks	Duration
Reasoning Ability	40	50	30 minutes
Quantitative Aptitude	40	50	30 minutes
General Awareness	40	40	15 minutes
English/Hindi Language	40	40	30 minutes
Computer Knowledge	40	20	15 minutes
Total	200	200	120 minutes

IBPS RRB Syllabus

Before starting the preparation, aspirants must get acquainted with the IBPS RRB Syllabus for Clerk, PO, SO, etc. Following the syllabus shall ensure that you won’t leave the topic or section. The different posts have different syllabi which are divided into the following sections: Reasoning, Quantitative Aptitude, English/Hindi, Financial/ General Awareness and Computer Knowledge.

IBPS RRB Syllabus 2026
Section	Topics
Reasoning Ability	Direction / Coded-Direction
	Blood Relation / Coded-Blood-Relation
	Inequality / Coded Inequality
	Coding-Decoding (General + Coded)
	Resultant (Miscellaneous)
	Coded Series
	Syllogism (General + Coded)
	Data-Sufficiency (Two or Three statements)
	Input-Output (Word or Number Based)
	Circular/ Triangular/ Rectangular/ Square Seating Arrangement
	Linear Seating Arrangement (Single, Double, or Uncertain) + With Direction & Distance
	Box Based Puzzles (Certain + Uncertain)
	Floor or Floor-Flat Based Puzzles
	Comparison/ Categorized/ Order Ranking-Based Puzzle
	Blood-Relation-based Puzzles
	Day/ Month/ Year/Age-Based Puzzle
	Logical Reasoning: Statement and Assumptions, Statement and Inference, Cause and Effect, Course of Action, Strength of Argument, and Statement and Conclusion
Quantitative Aptitude	Approximation
	Number Series
	Inequality
	Arithmetic
	Data Interpretation
General Awareness	Current Affairs
	State Current Affairs
	International Current Affairs
	Banking Awareness
	Economy
	Sports News
	Financial Awareness
	Govt. Schemes/ Apps
	Ranks and Reports
	Defence News
	Science News
	Obituaries
	Static Awareness
English Language	Reading Comprehension: Conventional and Comprehensive
	Phrase Rearrangement
	Word Swap: 3 Words Swap, 4 Words Swap
	Word Rearrangement
	Match the Column: 2 Columns, 3 Columns
	Connectors
	Starters
	Fillers: Double Sentence Blanks, Single Blanks, Double Blanks
	Word Usage
	Sentence-based Error: Find the Correct One, Find the Incorrect One
	Phrase Replacement
	Spelling Error
	Error Correction
	Idioms and Phrases: Idioms and Phrases Usage, Idioms and Phrases Fillers
	Cloze Test: Fillers, Replacement
	Sentence Rearrangement: One Fixed, Conventional
	One-word Inference
Hindi	अपठित गद्यांश
	समानार्थक और विलोम शब्द
	रिक्त स्थान
	गद्यांश में रिक्त स्थानों की पूर्ति
	वाक्य में त्रुटि
	शब्द त्रुटी या वर्तनी त्रुटी
	वाक्यांश के लिए एक शब्द
	विलोम शब्द
	मुहावरे – लोकोक्तियाँ
Computer	Fundamentals of Computer [History, Types, etc.]
	Generation of Computer
	Hardware & Software [Operating System, Types of Software, Compiler, Interpreter, etc.]
	Input & Output Device
	Memory
	Number System [Binary Number, Conversion, etc.]
	Computer Language – Generation & its Type
	DBMS – Basic Introduction & Software
	Computer Network [TCP & OSI Model, Protocol, Topology, Methods of Communication, Networking Device and Components]
	Introduction of Internet
	Internet’s Keywords
	Use of Internet [Internet Protocol, E-mail, Chatting, E-Commerce, Internet Browser & its shortcut key, etc.]
	Network & Data Security [Firewall, Virus, Warm, Malware, Trojan Horse, Key logger, Spyware, Hacking, Phishing, Sniffing, Internet Security, Antivirus, User: Identification, Authentication, Biometric, etc.]
	Cyber Crime & Cyber Security
	Multimedia- its components & Uses [Audio, Video, Streaming, Animation, Adobe Flash, etc.]
	Introduction of MS Window
	MS Office & its application [MS Word, MS PowerPoint, MS Excel – Uses & Shortcut keys]
	Computer Shortcut Keys
	Computer Abbreviations

IBPS RRB 2026 Preparation Tips

Preparing for the IBPS RRB 2026 exam requires a strategic approach and systematic preparation to clear the exam and secure a post at a Regional Rural Bank. Here are some effective preparation tips to help in excel in the exam

Start Early: Start preparing for the IBPS RRB exams well in advance to avoid last-minute stress and ensure sufficient time for revision and practice. And take up enough full-length mock tests.
Quality Study Material: Invest your time and money in quality study material, which is designed especially for the IBPS RRB Exams.
Practice Regularly: The key to success in any competitive examination is practice. Questions on each subject should be practised regularly. Regular Practice enhances the preparation of the candidate, improves their problem-solving abilities, and assists them in identifying their strengths and weaknesses.
Focus on Accuracy and Speed: The ultimate target of candidates should be to maintain accuracy along with speed. Initially, the focus should be on accuracy so that they avoid making silly mistakes. Later work on increasing your speed without compromising accuracy.
Time Management: Time Management has a crucial role in banking examinations. One should have an idea of how to manage time effectively during the examination. Aspirants should develop the habit of practising questions within the given time frame so that their speed and accuracy improve.
Mock Tests and Analysis: Preparation is incomplete without attempting sectional as well as full-length mock tests. Mock Tests help in assessing preparation levels and the areas that need improvement. After taking the IBPS RRB Mock Tests, candidates should analyse their performance and understand their strengths and weaknesses.
Time for Relaxation: To qualify for the examination, it is important to work hard and be consistent in preparation. On the other hand, one should also take a break and relax. Remain stress-free during preparation, maintain a healthy lifestyle and have a sufficient amount of sleep.

Last-Minute Preparation Tips for IBPS RRB Exam 2026

Here are some last-minute preparation tips for the IBPS RRB Exam 2026:

Focus primarily on revising the concepts and topics you have already covered. Review your notes, important formulas, and practice questions to reinforce your learning.
Attempt full-length mock tests and analyse your performance to identify areas that require extra attention. Learn from your mistakes and develop strategies to avoid repeating them in the actual exam.
In the final stages, prioritise the topics that carry higher weight in the exam. Focus your efforts on mastering these sections to maximise your score.
Approach the exam with confidence and a positive mindset. Believe in your preparation and abilities, and visualise success. A calm and focused mindset can greatly impact your performance.
Double-check the IBPS RRB Exam Date 2026, time, venue, and any necessary documents or materials required for the examination. Ensure you have all the necessary details to avoid any last-minute confusion or stress.
In the final days before the exam, prioritise getting enough sleep and rest. A well-rested mind and body will help you perform at your best during the examination.

Some General Tips for the Exam

Carry the essential items, ensure that you carry all the necessary items to the exam venue as per the instructions on the admit card, like the admit card, photograph, valid ID proof and any other item specified.

Plan Your Commute: Try to reach the exam centre well in advance. Arrive at least 30 minutes before the scheduled time to avoid a last-minute rush and stress.
Read Instructions Carefully: Before attempting any question or section, read the provided instructions carefully. Ensure you understand the question type and any specific instructions to avoid any careless mistakes.
Time Management: Allocate time for each question based on its difficulty level and length. Avoid spending too much time on a single question, as it can derail your entire time management plan.
Stay Calm and Focused: The IBPS RRB exam can be challenging and mentally taxing. However, it’s essential to maintain composure and focus throughout the examination. Panicking or getting distracted can negatively impact your performance.
Avoid Overconfidence: While confidence is crucial, overconfidence can lead to careless mistakes. Approach each question with patience and diligence, double-checking your work before moving on.
Intelligent Guessing: If you are unsure about an answer, try to eliminate the obviously wrong options and make an intelligent guess. In some sections, negative marking may apply, so weigh the risks before guessing blindly.

Strategy Of Toppers To Crack IBPS RRB 2026

Motivation has an important role in the preparation journey of aspiring candidates. One should have short-term and long-term goals, rewarding themselves for achieving the milestones and should remain positive even during the challenging phase of life. One of the ways to remain motivated is by going through the Strategy of Toppers and knowing how they were successful in qualifying for the IBPS RRB Exam even after facing the hardships of life.

Related Posts
IBPS RRB Previous Year Question Paper
IBPS RRB PO Syllabus	IBPS RRB Clerk Syllabus
IBPS RRB PO Salary	IBPS RRB Clerk Salary

SBI To Hire 14,000+ Candidates, Big Opportunity Ahead for Bank Aspirants

The State Bank of India (SBI) is expected to announce a massive recruitment of nearly 14,000 vacancies in the current Financial Year. This upcoming is likely to be one of the largest banking recruitment opportunities, attracting lakhs of aspirants across the country. While the official notification is still awaited, candidates preparing for SBI exams should start their preparation in full swing.

SBI To Hire 14,000+ Candidates

The expected SBI Recruitment 2026 could be a golden opportunity for aspirants aiming for a stable and reputed career in the banking sector. With nearly 14,000 vacancies expected, competition will be high, making early and smart preparation the key to success.

Posts to be Notified

The following posts are expected to be part of the SBI recruitment drive:

SBI Probationary Officer (PO)

The SBI PO post is one of the most prestigious roles in the banking sector. It offers strong career growth, leadership opportunities, and an attractive salary package. Graduates from any discipline generally become eligible to apply.

SBI Junior Associate (JA) – Clerk

The SBI Clerk (Junior Associate) recruitment usually accounts for the largest share of vacancies. This role focuses on customer service, cash handling, and daily banking operations, making it an ideal entry point for candidates aspiring to build a career in banking.

SBI Specialist Officer (SO) & Other Posts

SBI is also expected to notify vacancies for Specialist Officers (SO) in areas such as IT, Law, HR, Marketing, and Finance. These posts are ideal for candidates with professional or technical qualifications and relevant experience.

Official Notification Status

This recruitment update is based on expectations and previous recruitment patterns. The official SBI notification has not been released yet. Candidates are advised to regularly check SBI’s official website and trusted exam portals for confirmed updates.

Expected SBI Exam Dates 2026

Candidates preparing for the upcoming SBI Recruitment 2026 should keep the tentative exam schedule in mind to plan their preparation effectively. While the dates are expected and subject to official confirmation, they provide a useful timeline for aspirants:

SBI Probationary Officer (PO) Exams

Prelims Exam: 1 & 2 August 2026 (Expected)
Mains Exam: 12 September 2026 (Expected)

SBI Junior Associate (Clerk) Exams

Prelims Exam: 26, 27 September & 3 October 2026 (Expected)
Mains Exam: 23 November 2026 (Expected)

Related Posts
SBI Clerk Salary	SBI Clerk Syllabus
SBI Clerk Cut Off 2025	SBI Clerk Previous Year Question Paper
SBI PO Salary	SBI PO Cut Off
SBI PO Preparation Strategy	SBI PO Previous Year Question Papers
SBI PO Syllabus

IBPS RRB Clerk Mains Admit Card 2026 Out at ibps.in, Download Link

SBI CBO Notification 2026 Out for 2273 Posts, Apply Online Begins Today_11.1

The IBPS RRB Clerk Mains Admit Card 2026 has been available on the official IBPS website (ibps.in). Candidates appearing for the RRB Clerk Mains exam are advised to download their hall tickets as soon as possible to avoid any last-minute hassles. The IBPS RRB Clerk Mains Admit Card contains important information such as the exam center, reporting time, and exam day details, which candidates should carefully review for a smooth exam experience.

IBPS RRB Clerk Mains Admit Card 2026 Out

The IBPS RRB Clerk Mains Admit Card 2026 has been issued for candidates who successfully cleared the preliminary stage of the recruitment. Aspirants must carry a valid admit card along with a photo ID, as entry will be denied without it. It is also recommended to review all details on the admit card carefully to ensure there are no discrepancies before the exam day.

IBPS RRB Office Assistant Mains Admit Card 2026

Candidates appearing for the IBPS RRB Clerk Mains Exam 2026 should now focus on final revision and mock practice. With the admit card released and the exam scheduled for 01 February 2026, timely preparation and careful adherence to instructions will play a crucial role in achieving success.

IBPS RRB Clerk Mains Admit Card 2026
Organization	Institute of Banking Personnel Selection
Exam Name	IBPS RRB 2025-26
Recruitment Cycle	CRP-RRBs-XIV
Post	Office Assistant
Banks	Regional Rural Banks
Vacancies	13,316 (Clerk-8002)
Admit Card Release Date	23 January 2026
Mains Exam Date	01 February 2026
Login Credentials	Registration Number Password/Date of Birth
Selection Process	Prelims & Mains
Official Website	www.ibps.in
WhatsApp Official Channel	Join WhatsApp Channel

IBPS RRB Clerk Mains Admit Card 2026 Download Link

Candidates shortlisted for the RRB Clerk Mains stage can obtain their hall ticket by visiting ibps.in and signing in with their registration credentials. It is recommended that applicants download the admit card in advance and carry a hard copy to the exam venue, as it is mandatory for verification and entry on the day of the examination.

IBPS RRB Clerk Mains Admit Card 2026: Click here to Download

Are you appearing for the IBPS RRB Clerk Mains Exam 2025-26?

Also Read, IBPS RRB Clerk Result 2025

How to Download IBPS RRB Clerk Mains Admit Card 2026

This Admit Card is essential for gaining entry to the exam centre and includes important details such as candidate information, exam schedule, and guidelines to be followed on the day of the exam.. Candidates can easily download the mains admit card by following the steps given below:

Visit the official IBPS website at ibps.in
Click on the link for CRP RRBs – Clerk Mains Admit Card 2026
Enter your Registration Number or Roll Number and Password or Date of Birth
Complete the captcha verification carefully
Submit the details and download the admit card
Take a clear printout for examination use
It is advisable to keep multiple copies of the admit card for safety.

Details Mentioned on the IBPS RRB Clerk Mains Admit Card

After downloading the admit card, candidates must verify all the details mentioned on it carefully:

Candidate’s name and roll number
Exam date and reporting time
Examination centre address
Important exam-day instructions
Photograph and signature

IBPS RRB Clerk Mains Exam 2026: What to Remember

The mains examination is a decisive stage in the RRB Clerk recruitment process, and proper planning is essential.

Reach the exam centre well before the reporting time
Carry a printed copy of the admit card along with a valid photo ID
Follow all instructions related to exam conduct strictly
Avoid carrying prohibited items to the examination hall
Being calm and organized on the exam day can significantly impact performance.

Exam Day Instructions for the IBPS RRB Clerk Mains Exam

For candidates appearing in the IBPS RRB Clerk Mains Exam 2026, following exam-day instructions carefully is essential to avoid last-minute issues and ensure a smooth experience.

Reach the examination centre well before the reporting time mentioned on the admit card.
Carry a printed copy of the mains admit card along with a valid photo identity proof.
Follow all instructions related to biometric verification and document checking.
Do not carry prohibited items such as mobile phones, calculators, or written notes.
Adhere strictly to the guidelines mentioned by the Institute of Banking Personnel Selection to avoid disqualification.

Documents to Carry with IBPS RRB Clerk Mains Admit Card

Candidates appearing for the IBPS RRB Clerk Mains Examination must carry the required documents to the exam centre for identity verification and smooth entry. Failure to produce the necessary documents may lead to disqualification or denial of entry. Below is the list of essential documents to carry on the exam day:

Printed Copy of IBPS RRB Clerk Mains Admit Card: A clear and legible printout of the admit card is mandatory. Candidates should ensure that all details, including photograph and signature, are visible.

Valid Photo Identity Proof (Original):

Any one of the following government-issued photo IDs is acceptable:

Aadhaar Card
PAN Card
Passport
Voter ID
Driving Licence
Bank Passbook with photograph

Photocopy of Photo ID Proof: Carrying a photocopy of the same ID submitted during the application process is recommended for verification purposes.

Passport-Size Photographs: Candidates should carry at least two recent passport-size photographs, preferably the same as uploaded in the online application form.

Additional Documents (If Applicable): Candidates who have made changes in their name or personal details must carry supporting documents such as a marriage certificate, affidavit, or gazette notification.

Dos and Don’ts for IBPS RRB Clerk Mains 2026

Preparing for the IBPS RRB Clerk Mains 2026 is not only about studying but also about following the right guidelines on exam day. To ensure a smooth and hassle-free experience, candidates should carefully adhere to the following dos and don’ts:

Dos

Download the Admit Card Early: Ensure you have your hall ticket well in advance to avoid last-minute issues.
Check All Details: Verify your name, roll number, exam centre, and photograph for accuracy.
Carry Required Documents: Bring the printed admit card, a valid photo ID, and passport-size photographs.
Reach the Exam Centre Early: Arrive at least 30–45 minutes before the reporting time to complete verification smoothly.
Follow Instructions: Adhere to all exam-day instructions provided by IBPS staff.
Stay Calm and Focused: Keep a clear mind and manage your time wisely during the examination.

Don’ts

Do Not Carry Prohibited Items: Avoid mobile phones, calculators, smartwatches, or any written notes.
Do Not Ignore Guidelines: Skipping biometric verification or document checks can lead to disqualification.
Do Not Alter Admit Card Details: Any tampering or errors should be immediately reported to IBPS.
Do Not Arrive Late: Late entry may result in denial of access to the exam hall.
Do Not Panic: Avoid last-minute cramming; instead, focus on revision and staying composed.

Related Posts
IBPS RRB Clerk Salary	IBPS RRB Clerk Mock Test
IBPS RRB Clerk Cut Off	IBPS RRB Previous Year Papers

The “Zero to Hero” Reality: How I Finally Broke the Prelims Barrier

SBI CBO Notification 2026 Out for 2273 Posts, Apply Online Begins Today_13.1

Every banking aspirant hears the phrase zero to hero, but living that journey is a very different experience. Chandrakanth T S’s story did not begin with confidence or clarity; it began with confusion, limited time, and repeated setbacks. Like many aspirants, he entered the banking exam space with strong motivation but without a clear roadmap. What eventually transformed his journey was not luck, but disciplined preparation, the right mentorship, and a timely shift in strategy.

The “Zero to Hero” Reality

His banking journey started in 2023 during his master’s degree, when he was introduced to Zero to Hero sessions on YouTube. These sessions helped him understand the basics of banking exams and build initial familiarity with the pattern. However, balancing academic responsibilities with competitive exam preparation proved difficult. Due to limited time and fragmented revision, he was only able to clear prelims repeatedly, while the mains stage remained out of reach.

From Academic Commitments to Focused Preparation

Chandrakanth completed his master’s degree in December 2024, which marked a major turning point in his preparation journey. With academic pressure finally behind him, he was able to dedicate himself fully to banking exam preparation. Instead of relying on scattered resources, he chose a structured approach by enrolling in Mahapack, which brought consistency and discipline into his daily routine.

His study schedule became fixed and goal-oriented rather than irregular.
Concepts started becoming clearer due to systematic teaching.
Regular practice and revision replaced last-minute studying.
His confidence improved as his mock performance stabilized.

Breaking the Mains Barrier

While prelims had never been his biggest hurdle, mains was the stage that tested his patience the most. This time, the difference lay in smarter preparation and strategic execution. With focused guidance and structured practice, his approach to mains became calmer and more analytical, helping him finally overcome the barrier that had held him back for years.

He scored 38.75 marks in IBPS PO Mains, which played a decisive role in his final selection.
Accuracy and question selection became his key strengths.
He avoided unnecessary risks and focused on maximising attempts wisely.
For the first time, he left the exam hall feeling confident about his performance.

The Role of Mentors in His Success

Behind every successful banking aspirant are mentors who provide direction at the right time. Chandrakanth is especially grateful to Sourav sir, whose clear and exam-focused teaching helped him strengthen his fundamentals and perform under pressure. The guidance he received played a major role in achieving a strong mains score.

He also extends sincere thanks to Shantunu sir and Ashish sir, whose support, strategies, and consistent motivation contributed significantly to his final selection. Their insights helped him stay focused and confident throughout the preparation phase.

The Moment That Made It All Worthwhile

All the effort, discipline, and persistence finally paid off when Chandrakanth was selected as a Canara Bank PO. This achievement was not just about securing a position, but about validating years of hard work and resilience. His journey proves that the zero to hero transformation is possible when preparation is consistent and guided by the right mentors.

IBPS RRB PO Mains Score Card 2026 Out at ibps.in, Check Officer Scale 1 Scores & Marks

SBI CBO Notification 2026 Out for 2273 Posts, Apply Online Begins Today_15.1

The IBPS RRB PO Mains Score Card 2026 is now available for candidates who appeared for the Officer Scale-I Mains. Aspirants can check their section-wise scores and overall marks on the official IBPS website (ibps.in) using their login credentials. The IBPS RRB PO Mains Score Card 2026 also includes category-wise cut-offs, helping candidates gauge their chances of final selection.

IBPS RRB PO Mains Score Card 2026 Out

The IBPS RRB PO Mains Score Card 2026 is now available for candidates who were not able to clear Phase 2. This score card gives detailed information about the marks obtained, so that the candidates can analyze their performance and identify the areas where they fell short. Candidates can download the score card directly from the official IBPS website by logging in using their registration number or roll number along with their date of birth or password.

This IBPS RRB PO Mains Score Card is only for those candidates who didn’t qualify for the interview.

IBPS RRB PO Mains Score Card 2026: Overview

The IBPS RRB PO Mains Result 2026 has been declared for candidates who appeared in the examination conducted in December 2025. IBPS has announced 3928 vacancies for Officer Scale I, 1184 for Officer Scale II, and 202 for Officer Scale III posts. The selection process includes Prelims, Mains, and Interview stages. Candidates who qualify in all stages will be selected as Probationary Officers in various Regional Rural Banks across India.

Particulars	Details
Conducting Body	Institute of Banking Personnel Selection (IBPS)
Post Name	Officer Scale-I (Probationary Officer)
Exam Name	IBPS RRB PO Mains Exam 2026
Score Card Release Date	30 January 2026
Mode of Score Card	Online
Selection Process	Prelims, Mains, Interview
Vacancies (Officer Scale-I)	3928
Details on Score Card	Section-wise Marks, Total Marks, Cut-off
Official Website	www.ibps.in

IBPS RRB PO Mains Score Card 2026 Download Link

The IBPS RRB PO Mains Score Card 2026 is now accessible on the official IBPS website (ibps.in). Candidates who did not qualify for the interview can check their marks and performance details by logging in with their registration number and password or date of birth. A direct download link is provided below for easier access.

IBPS RRB PO Mains Score Card 2026: Click here to Download

IBPS RRB PO Interview Qualified Candidates Lists

Candidates who have successfully cleared the Mains stage and are eligible for the interview will not see their score card at this time. Instead, their qualification status can be confirmed through the IBPS RRB PO Interview Qualified Candidates List 2026, released by IBPS. Shortlisted candidates should download the official PDF from the link below to verify their selection for the interview round.

IBPS RRB PO Interview 2026 Qualified Candidates Lists

How to Download IBPS RRB Officer Scale 1 Mains Score Card 2026

Candidates can follow the steps below to download their mains score card smoothly:

Visit the official IBPS website at ibps.in
Click on the link for CRP RRBs – Officer Scale I Mains Score Card 2026
Enter your Registration Number/Roll Number and Password/Date of Birth
Fill in the captcha code carefully
Submit the details to view the score card
Download and save the score card for future reference

Details Mentioned on IBPS RRB PO Mains Score Card

The score card contains several important details that candidates should verify carefully:

Candidate’s name and registration number
Section-wise marks obtained
Overall mains score
Sectional cut off marks
Overall cut off marks
Qualifying status

IBPS RRB PO Mains Cut Off Marks 2026

The cut off marks represent the minimum qualifying scores decided by IBPS based on multiple factors. These marks vary according to category and region and play a decisive role in shortlisting candidates. Candidates scoring equal to or above the cut off are considered eligible for the interview and final merit list preparation.

Related Posts
IBPS RRB Previous Year Papers	IBPS RRB PO Cut Off
IBPS RRB PO Syllabus	IBPS RRB PO Salary

SEBI Grade A Result 2026 Out at sebi.gov.in, Download Phase 1 Result PDF

The Securities and Exchange Board of India (SEBI) has officially announced the SEBI Grade A Phase 1 Result 2026 on its official website. The outcome has been published in PDF format, allowing candidates to easily check their roll numbers and proceed with the next stage of the recruitment process. This article provides a clear overview of all key information related to the SEBI Grade A Result 2026, including result access and next steps.

SEBI Grade A Result 2026 Out

Candidates who have cleared the first stage of the examination will now move forward in the recruitment process and appear for the next level of assessment. The result announcement covers multiple streams, including General, Legal, IT, Research, Official Language, and Engineering disciplines (Electrical and Civil).

SEBI Grade A Result 2026: Overview

Qualified aspirants can access the result PDF containing the shortlisted candidates through the official link and should carefully review the instructions related to the upcoming stages of selection. The table given below shows a brief summary

SEBI Grade A Result 2026
Organization	Securities Exchange Board of India (SEBI)
Exam Name	SEBI Grade A 2026
Posts	Assistant Manager Grade A
Vacancy	135
Category	Result
Result Status	Released
Result Date	30 January 2026
Phase 1 Exam Date	10th January 2026
Phase 2 Exam Date	21 February 2026
Selection Process	Phase 1: Online Examination Phase 2: Online Examination Phase 3: Interview
Official Website	www.sebi.gov.in

SEBI Grade A Result 2026 Download PDF

Candidates who appeared for the SEBI Grade A Phase 1 examination can access the result PDFs separately for each stream through the links provided below. The results have been released in a stream-wise format, making it easier for aspirants to check their qualifying status for the specific post they applied for. Click on the relevant link to download the SEBI Grade A Result 2026 PDF and confirm your selection for the next stage of the recruitment process.

SEBI Grade A Result 2026 Streams Wise
General	Result Download Link
Legal	Result Download Link
Information Technology (IT)	Result Download Link
Research	Result Download Link
Official Language	Result Download Link
Electrical	Result Download Link
Civil	Result Download Link

Have you Qualify for SEBI Grade A Phase II Exam?

How to Download the SEBI Grade A Phase 1 Result 2026?

Candidates can now follow the provided steps to get access to the SEBI Grade A Result 202

Visit the Official Website: Go to the official website of SEBI, which is sebi.gov.in.
Navigate to the Results Section: On the homepage, look for the ‘Careers’ Section.
Go to the SEBI Grade A Result 2026 Link: Click on the link of SEBI Grade A Result 2026.
Download the Merit List: Download the PDF of the Phase 1 result, also known as the merit list.
Search your Roll Number: You can use the shortcut key ‘Ctrl+F’ to search your Roll number

Details Mentioned in the SEBI Grade A Result 2026

The Phase 1 merit list PDF shall contain the following information:-

Exam Date
Exam Name
Roll Number of Qualified Candidates
Instructions for Phase

Next Steps After SEBI Grade A Phase 1 Result 2026

Candidates who have cleared the SEBI Grade A Result 2026 and qualified for Phase 2 should now shift their complete focus to the next stage of the selection process. The SEBI Grade A Phase 2 Examination is scheduled to be held on 21 February 2026, making this a crucial period for preparation. Clearing Phase 2 will move candidates one step closer to their dream role, as the Interview is the final stage of the recruitment process. Aspirants should carefully review the Phase 2 syllabus and begin structured preparation to maximize their chances of success.

SEBI Grade A Phase 2 Exam Pattern 2026

The SEBI Grade A Phase 2 exam is an important stage of the selection process. Candidates who qualify for Phase 1 appear for this exam. Phase 2 consists of two papers. Paper 1 tests English writing skills, while Paper 2 focuses on the subject related to the stream chosen by the candidate. Marks scored in Phase 2 play a major role in the final selection.

Paper	Subject / Stream	Type of Test	Maximum Marks	Duration
Paper I	English Language (All Streams)	Descriptive	100	60 minutes
Paper II	Stream-specific subject	Objective + Descriptive	100	40 minutes
Total			200	—

Important Instructions for Phase 2 Qualified Candidates

Candidates who have cleared the SEBI Grade A Phase 1 examination are now required to prepare for the Phase 2 stage, which plays a crucial role in determining the final selection. Since marks obtained in Phase 2 are given significant weightage, aspirants must approach this stage with a focused and well-planned strategy. Adhering to official guidelines and preparing systematically will help candidates perform confidently in the upcoming examination.

Key instructions for Phase 2 qualified candidates are given below:

Carefully go through the Phase 2 exam pattern and detailed syllabus for your respective stream.
Strengthen descriptive English writing skills for Paper 1 by practicing essays, precis, and comprehension regularly.
Focus on conceptual clarity and current developments related to the stream-specific subject for Paper 2.
Download the Phase 2 admit card as soon as it is released and verify all details mentioned on it.
Keep valid photo identity proof and required documents ready for the examination day.
Practice mock tests and previous year question papers to improve speed and accuracy.
Regularly check the official SEBI website for updates related to exam instructions or changes.
Maintain a proper revision schedule and avoid last-minute preparation stress.

Related Posts
SEBI Grade A Syllabus	SEBI Grade A Previous Year Papers
SEBI Grade A Eligibility Criteria	SEBI Grade A Salary
SEBI Grade A Cut Off

JAIIB Salary 2026 in Hand Salary, Pay Scale, Job Profile

The JAIIB Salary 2026 is a key point of interest for banking professionals who are planning to enhance their career growth and earnings after qualifying the exam. Clearing JAIIB not only adds professional credibility but also leads to tangible financial benefits in the form of increments, allowances, and better in-hand salary. Along with the improved pay scale, candidates also experience a positive shift in their job responsibilities and career progression within the banking system.

JAIIB Salary 2026 After Certification

While the exact salary hike after clearing the JAIIB exam may vary based on individual bank policies, there is a general framework followed across most public sector banks. Typically, both clerical and officer-grade employees witness an increment in their basic pay, which automatically enhances other components like allowances, perks, and benefits. Though the amount may not be uniform, the overall financial impact is positive and noticeable, making the JAIIB qualification a valuable step for those aiming to boost their earnings and professional standing.

JAIIB Pay Scale 2026 Increments Details

Clearing the JAIIB exam not only enhances a banking professional’s knowledge but also brings tangible financial rewards in the form of salary increments. These increments are structured based on the employee’s designation and are recognized across most public sector banks, helping individuals progress both professionally and financially.

Types of Salary Increment After Clearing JAIIB:

Clerical Grade Increment: Clerks receive 1 additional increment in their salary upon qualifying for JAIIB.
Officer Grade Increment: Officers are also entitled to 1 increment in their salary after successfully clearing the JAIIB exam.

JAIIB Job Profile After Qualifying

JAIIB-qualified professionals are rewarded appropriately for their achievements, further motivating employees to excel in their banking careers. The Job Profile of both Clerical and Officer Grade Employees advances after qualifying for JAIIB.

Clerical Grade

After qualifying JAIIB, clerical staff gain an advantage in departmental promotion exams. Their responsibilities increase, including more administrative and supervisory tasks, which supports career advancement.

Officer Grade

For officers, JAIIB certification improves promotion prospects and strengthens their professional profile. Even without immediate promotion, officers enjoy higher pay, added responsibilities, and better recognition within the bank.

JAIIB Increment Implementation Timeline

The salary increment benefit that comes with clearing the JAIIB exam follows a structured and timely process. Once a candidate qualifies, the increment isn’t automatic it requires a few essential steps to be completed for the benefit to reflect in the salary.

Certificate Issuance: The Indian Institute of Banking and Finance (IIBF) issues the JAIIB certificate within 45 days of the result declaration.
HRMS Submission: The candidate must submit this certificate to their bank’s HRMS department to initiate the salary increment process.
Effective Date of Increment: The increment is considered effective from the date of certificate issuance.
Salary Credit and Arrears: If the certificate is submitted after the payroll for the current month is processed, the increment is applied in the next month’s salary along with arrears.

JAIIB vs Non-JAIIB Salary Difference

There is a clear difference between JAIIB-qualified and non-qualified employees. JAIIB-qualified bankers receive an extra increment, leading to higher basic pay and increased allowances. Over time, this results in a significant gap in in-hand salary, yearly increments, and overall earnings, making JAIIB a valuable certification for long-term financial growth.

Related Posts
JAIIB Mock Test	JAIIB CAIIB Online Coaching
JAIIB Study Material	JAIIB Syllabus
JAIIB Exam Preparation Tips 2026	JAIIB Previous Year Papers

How to Prepare for JAIIB May 2026 Exam?

SBI CBO Notification 2026 Out for 2273 Posts, Apply Online Begins Today_21.1

The JAIIB May 2026 exam is an important milestone for banking professionals aiming to strengthen their conceptual foundation and accelerate career growth. Conducted by the Indian Institute of Banking & Finance, JAIIB is not just an exam of memory but a test of applied understanding of banking operations, finance, and customer relations. Many candidates underestimate the exam initially and then struggle due to a lack of structured preparation.

How to Prepare for JAIIB May 2026 Exam?

Preparing for JAIIB alongside a full-time banking job can feel challenging, but it is absolutely manageable with the right strategy. The syllabus is practical in nature and closely linked to day-to-day banking work, which works in the candidate’s favour if studied correctly. Instead of rote learning, the focus should be on concept clarity, regular revision, and continuous practice of MCQs. With the May 2026 exam cycle in mind, aspirants still have sufficient time to prepare in a balanced and stress-free manner.

Know the JAIIB May 2026 Structure

JAIIB now has 4 compulsory papers under the revised syllabus:

Indian Economy & Indian Finacial System (IE & IFS)
Principles & Practices of Banking (PPB)
Accounting & Financial Management for Bankers (AFM)
Retail Banking & Wealth Management (RBWM)

Key Pattern Points:

Mode: Online- MCQ Based
Questions: 100 per paper
Marks: 100 per paper
Time: 2 hours per paper
Passing: 50 marks in each paper

Step 1: Plan Backward From May 2026

You have limited time along with a full time bank job

Keep at least 3 full months for serious preparation before the first paper
Decide your attempt strategy: whether you will aim to clear 4 papers in one go or split across cycle (if work pressure is very high)

A simple planning idea:

Till February-March: Concepts building and reading
March-April: Practice questions and module-wise MCQs
Late April-May: Ful mock tests, revision and numerical practice

Step 2: Understand Each Paper’s Demand

Each JAIIB paper has a different flavour. Treat them differently

IE & IFS: Theory-heavy – covers economy basics, financial system, markets, regulations, RBI, etc. Needs concept clarity + regular reading.
PPB: Core banking – deposits, advances, KYC, risk, ethics, customer service. Relates directly to your daily work; read and link with practical examples.
AFM: Most feared – accounting concepts, ratios, balance sheet, costing, cash flow, etc. Needs practice with numerical questions.
RBWM: Mix of retail products, loans, cross-selling, wealth management basics, investment products, and customer-centric topics.

Step 3: Make a Realistic Weekly Study Routine

Because you are working, focus on short, consistent slots instead of very long sessions.

On working days (Mon–Fri):

1–1.5 hours daily: pick one main subject per day. Example routine:

Mon: IE & IFS
Tue: PPB
Wed: AFM
Thu: RBWM
Fri: Revision + small MCQs

On weekends (Sat–Sun): 2–4 hours in total:

Detailed study of difficult modules (e.g., AFM numericals).
Practice full-length subject-wise tests.

Step 4: Use the Official Syllabus and Pattern as Your Base

Always keep the official revised syllabus PDF and exam pattern as your primary guide.

Download the JAIIB revised syllabus notification from IIBF website and mark modules for each subject.
For each module, prepare a small checklist of topics and tick them as you complete.
Note the marking pattern: 100 marks per paper with a mix of 0.5, 1, and 2-mark questions – so conceptual questions and case-study type MCQs are important.

Step 5: Build Concepts First, Then Practice MCQs

For JAIIB, both reading and practice are important.

Concept Phase

Use standard JAIIB books or quality online classes that cover the updated syllabus.
Read each module slowly, underline key points, write mini-notes or mark important lines.
For AFM, focus extra on basics: journal, ledger, trial balance, P&L, balance sheet, ratio analysis, NPV/IRR basics, depreciation, etc.

Practice Phase

After each chapter, solve topic-wise MCQs to test understanding.
Try case-study-based questions, especially in PPB, RBWM, and IE & IFS.
Use chapter-wise quizzes during weekdays and subject-wise tests on weekends.

Step 6: Special Strategy for AFM (Accounting & Finance)

AFM is the paper that worries most candidates, especially from non-commerce backgrounds.

Start AFM early – do not leave it for the last month.
Learn formulas and formats (P&L, balance sheet, cash flow, ratio formulae) and keep a small formula notebook for daily revision.
Practice numericals daily: even 5–10 questions per day make a big difference.
Focus more on frequently asked themes like ratios, break-even point, marginal costing, depreciation, and basic financial maths.
Remember: understanding the logic behind formulas is more powerful than rote memorisation.

Step 7: Use Your Job Experience as a Strength

JAIIB is made for bankers, so your branch experience is a big plus.

Link PPB concepts with your daily work: account opening, loans, NPA, KYC/AML, documentation, customer service, etc.
For RBWM, relate topics to products you sell in branch – housing loans, personal loans, credit cards, mutual funds, insurance, etc.
For IE & IFS, connect economy and financial system topics with RBI circulars, monetary policy, and financial market news you see as a banker.

Step 8: Attempt Full-Length Mocks Before the Exam

Mocks help you understand speed, pattern, and weak areas.

Take at least 2–3 full subject-wise mocks for each paper in April–May 2026.
After every mock, spend time on analysis: note which modules are weak, what type of questions you are missing.
Revise those weak modules again and reattempt questions.
Since passing marks are 50 per subject, your target score in mocks should be at least 60+ to stay safe.

Step 9: Make a Smart Revision Plan

Last 2–3 weeks are for revision and consolidation.

Revise your short notes, underlined points, and formula notebook.
Go through important RBI functions, banking terms, important committees, and laws again.
Redo previously marked “wrong questions” from practice sets – they are your best teacher.
Focus on high-yield modules (those from which more questions usually come as per recent papers).

Related Posts
JAIIB Salary	JAIIB Study Material
JAIIB Previous Year Papers	JAIIB Exam Preparation Tips
JAIIB Mock Test	JAIIB Online Course

Daily Current Affairs Quiz 30th January, 2026, Attempt Important GK Questions

Practice Current Affairs Quiz to stay updated with national, international, economic, and banking news. This quiz is based on the previous day’s current affairs and is designed to boost your exam readiness, improve speed and accuracy, strengthen memory, and build confidence for competitive exams and interviews.

Daily Current Affairs: 30 January, 2026

Q1. Recently, in January, 2026, The Union Minister of Jal Shakti inaugurated 25 JALAJ Livelihood Centres. This initiative is a joint effort of which of the following organisations?

(a) Ministry of Jal Shakti and Ministry of Environment, Forest and Climate Change
(b) Namami Gange Mission and Wildlife Institute of India (WII)
(c) National River Conservation Directorate and NITI Aayog
(d) Central Pollution Control Board and State Water Authorities
(e) Ministry of Rural Development and Ministry of Tourism

Answer: b

Solution:

The Union Minister of Jal Shakti recently inaugurated 25 JALAJ Livelihood Centres.
JALAJ is a joint initiative of the Namami Gange Mission and the Wildlife Institute of India (WII).
Objective: To integrate river conservation with sustainable livelihood generation across the Ganga River basin.
The initiative is grounded in a circular economy model, where local communities are trained in eco-friendly livelihood practices and mobilised to support biodiversity conservation and clean river ecosystems.

Key Features of JALAJ Livelihood Centres

Promotes community ownership of conservation efforts while creating dignified livelihood opportunities, with a special focus on women’s participation.
Establishes symbiotic linkages between rivers and people, reinforcing the concept of conservation through livelihood integration.
Centres are located across different parts of the Ganga basin, reflecting the local culture and indigenous communities of each region.
Designed as holistic hubs for:
- Community well-being
- Conservation education
- Livelihood training
Provides facilities for:
- Dissemination of information on aquatic biodiversity conservation
- Skill development and training
- Sales and marketing of products created by trained beneficiaries

Q2. According to the Economic Survey 2025–26, India’s real GDP growth for FY27 reflects sustained medium-term momentum despite global challenges. What is the projected growth range for FY27?

(a) 5.5% – 6.0%
(b) 6.0% – 6.5%
(c) 6.8% – 7.2%
(d) 7.5% – 8.0%
(e) 8.0% – 8.5%

The correct answer is (c)

The Economic Survey 2025–26 projects India’s real GDP growth for FY27 in the range of 6.8% to 7.2%, indicating sustained medium-term growth momentum despite global economic challenges.
Inflation declined to historic lows, averaging 1.7% during April–December 2025, reflecting easing price pressures.
All major sectors supported growth, with agriculture stabilising rural demand, manufacturing gaining momentum, and services leading overall expansion.
India’s total exports reached a record USD 825.3 billion in FY25 and USD 418.5 billion in H1 FY26, driven by strong performance in services and non-petroleum exports.
The fiscal position strengthened, supported by improved revenue buoyancy, rising capital expenditure, and enhanced global credibility reflected in sovereign credit rating upgrades.
Monetary conditions turned supportive, with the repo rate reduced to 5.25% as of December 2025, encouraging credit flow and investment.

Q3. The innovative sunlight-powered photo-capacitor, which integrates solar energy capture and storage in a single device, was developed by scientists from which of the following organisations?

(a) Indian Institute of Science (IISc), Bengaluru
(b) Centre for Nano and Soft Matter Sciences (CeNS), Bengaluru
(c) Tata Institute of Fundamental Research (TIFR), Mumbai
(d) National Institute of Solar Energy (NISE), Gurugram
(e) Indian Space Research Organisation (ISRO)

Answer: b

Solution:

Scientists have developed an innovative sunlight-powered supercapacitor, called a “photo-capacitor,” that can both capture and store solar energy in a single integrated device.
This advancement represents a major step toward clean, self-sustaining energy storage systems, enabling efficient, low-cost, and eco-friendly power solutions for portable, wearable, and off-grid technologies.
Traditionally, solar energy systems use two separate components—solar panels for energy generation and batteries or supercapacitors for energy storage.
Such hybrid systems require additional power management electronics to regulate voltage and current differences, which increases system complexity, cost, energy loss, and device size, especially in miniaturized and autonomous devices.
The new photo-rechargeable supercapacitor integrates both energy harvesting and storage, directly converting sunlight into electrical energy and storing it for later use.
This integrated design simplifies system architecture and minimizes energy loss during conversion and storage.
The device has been developed by the Centre for Nano and Soft Matter Sciences (CeNS), Bengaluru, an autonomous institute under the Department of Science and Technology (DST), Government of India.

Q4. According to the Economic Survey 2025–26, India’s ranking among the top five countries globally in private infrastructure investment is based on an assessment by which international organisation?

(a) Asian Development Bank (ADB)
(b) World Economic Forum (WEF)
(c) World Bank
(d) International Monetary Fund (IMF)
(e) United Nations Development Programme (UNDP)

Answer: c

Solution:

The Economic Survey 2025–26 highlights India’s strong global position in private investment in infrastructure among low- and middle-income economies.
According to the World Bank, India ranks among the top five countries globally in attracting private infrastructure investment.
India has also emerged as the largest recipient of Private Participation in Infrastructure (PPI) investment in South Asia, accounting for over 90% of the region’s total private infrastructure inflows.
This strong international performance is reflected domestically through a significant increase in project approvals by the Public-Private Partnership Appraisal Committee (PPPAC).
The trend underscores growing private sector confidence in India’s infrastructure framework and the effectiveness of the PPP governance and approval mechanisms.

Q5. Recently, in January, 2026, Citigroup India’s recent leadership appointment is aimed at strengthening its engagement with India’s expanding mid-market corporate sector. Who has been appointed as the Head of Commercial Banking?

(a) Kaizad Bharucha
(b) Ankur Khurana
(c) Albinder Singh Dhindsa
(d) Arijit Basu
(e) Savitha Balachandran

Answer: b

Solution:

Citigroup India has appointed Ankur Khurana as the new Head of Commercial Banking.
The appointment reflects the bank’s strategic focus on strengthening its presence in India’s growing mid-market corporate segment.
Ankur Khurana brings over two decades of experience in the banking sector.
She previously worked with Standard Chartered Plc, where she held senior leadership roles.