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19th January, 2026 Current Affairs (Daily GK Update)

National News

Brazil and Nigeria Emerge as Key Markets for Indian Pharmaceutical Exports

Brazil and Nigeria Emerge as Key Markets for Indian Pharmaceutical Exports

  • Indian pharmaceutical exports grew by 6.5 per cent to $20.48 billion during April-November 2025-26.
  • Nigeria was one of the fastest-growing markets, adding about $179 million in exports and contributing over 14 per cent to total export growth.
  • Brazil also showed strong demand, with nearly $100 million worth of imports.
  • The United States remained the largest market, accounting for more than 31 per cent of pharmaceutical exports.
  • Emerging markets like Brazil and Nigeria reflect increasing global reliance on Indian generics and expanding healthcare access.

PM Modi Launches ₹6,957 Crore Kaziranga Elevated Corridor

PM Modi Laid Foundation Stone For ₹6,957 Crore Kaziranga Elevated Corridor

  • Prime Minister Narendra Modi laid the foundation stone of the ₹6,957 crore Kaziranga Elevated Corridor in Assam on January 18, 2026 and flagged off two Amrit Bharat Express trains.
  • The 34.5-km elevated corridor along NH-715 will allow safe wildlife movement beneath the road during floods.
  • It addresses frequent animal deaths caused by heavy traffic near Kaziranga National Park.
  • The project balances conservation with development by reducing roadkill while improving connectivity.
  • It will boost tourism, trade, and employment across eastern Assam and strengthen long-distance rail and road infrastructure.

India’s First Sleeper Vande Bharat Train Launched: Kolkata-Guwahati Rail Connectivity Explained

India's First Sleeper Vande Bharat Train Launched

  • India’s first sleeper Vande Bharat was launched in January 2026.
  • It connects Howrah and Guwahati. The journey takes about 14 hours.
  • The train runs six days a week. It is made in India. PM Modi flagged it off in Malda. Other Amrit Bharat trains were also launched.
  • Rail and road projects worth ₹3,250 crore were announced. The train improves East–Northeast connectivity. It boosts tourism and trade.

Second Range wide Dolphin Survey Launched Under Project Dolphin

Second Range wide Dolphin Survey Launched Under Project Dolphin

  • Second Dolphin Survey started in January 2026. It is under Project Dolphin. It began from Bijnor in Uttar Pradesh.
  • The survey has two phases. Ganga main stem and Indus are covered first.
  • Brahmaputra and Sundarbans are in phase two. It studies dolphin population and habitat.
  • Indus and Irrawaddy dolphins are included. The Ministry of Environment conducts it. Data will support conservation planning.

State News

PESA Act Implemented in Jharkhand After 25 Years

19th January, 2026 Current Affairs (Daily GK Update)_7.1

  • Jharkhand has implemented PESA rules after nearly 25 years, aiming to empower Gram Sabhas in Scheduled Areas and strengthen tribal self governance.
  • The rules apply fully in 13 districts and partially in others, granting Gram Sabhas control over local resources, minor minerals, water bodies, dispute resolution, and fines up to ₹2,000.
  • While the state calls it historic, tribal leaders and activists worry that district administration oversight and limited authority over mineral and development funds may undermine customary governance and the spirit of PESA.

MSME Ministry Approves New Technology Centres in Himachal Pradesh

19th January, 2026 Current Affairs (Daily GK Update)_8.1

  • The Government of India has approved two MSME Technology Centres in Himachal Pradesh at Pandoga (Una district) and Parwanoo (Solan district), each costing about ₹10 crore.
  • The centres aim to boost industrial development, skill training, and employment in the state.
  • This move is part of a nationwide expansion of MSME Technology Centres to strengthen regional industrial growth, productivity, and self-reliance.

Spituk Gustor Festival Marks Spiritual New Beginning in Ladakh

19th January, 2026 Current Affairs (Daily GK Update)_9.1

  • The two-day Spituk Gustor Festival has begun at Spituk Monastery in Ladakh, marking the first monastic festival of the year and the seasonal transition.
  • The festival features sacred masked Cham dances by monks, symbolising the destruction of negative energies and spiritual teachings.
  • It allows devotees to seek blessings for health, harmony, and protection, while preserving Ladakh’s Buddhist heritage.
  • As the inaugural festival of the year, it sets the tone for subsequent celebrations, strengthens community bonds, and attracts cultural tourism, offering visitors insight into the region’s spiritual and traditional life.

Maharashtra Cabinet Approves ₹4,775 Crore Bembla River Irrigation Project

19th January, 2026 Current Affairs (Daily GK Update)_10.1

  • The Maharashtra Cabinet approved the ₹4,775 crore Bembla River Irrigation Project in Yavatmal district to bring 52,423 hectares under assured irrigation, boost crop productivity, diversify farming, and strengthen water security.
  • It will reduce dependence on rainfall, enhance farmer incomes, and generate employment during construction.
  • The Cabinet also cleared the creation of MAHIMA, a new agency to facilitate overseas employment for skilled youth from Maharashtra, aiming to reduce unemployment, increase remittances, and provide international exposure for the state’s workforce.

Maruti Suzuki to Set Up Mega Car Plant in Gujarat

19th January, 2026 Current Affairs (Daily GK Update)_11.1

  • Maruti Suzuki and the Gujarat Government have exchanged an investment letter to set up a ₹35,000 crore car manufacturing plant at Khoraj, Gujarat, across 1,750 acres.
  • The phased project will include four units, each producing 2.5 lakh vehicles annually, reaching a total of 10 lakh cars by full operation around 2029.
  • The plant is expected to create over 12,000 direct jobs and 7.5 lakh indirect opportunities through ancillary industries and MSMEs.

International News

Davos 2026: Key Dates, Theme, Participants and Global Challenges in Focus

Davos 2026: Key Dates, Theme, Participants and Global Challenges in Focus

  • The theme is A Spirit of Dialogue. Around 3,000 leaders will attend. Over 130 countries will participate.
  • Economic slowdown and geopolitics are key topics.
  • India will send a high-level delegation. CEOs and global institutions will join. Climate change and AI will be discussed.
  • The summit will run till January 23. It focuses on cooperation and inclusive growth.

High Seas Treaty Comes into Force: New Global Rules to Protect Oceans Explained Simply

High Seas Treaty Comes into Force: New Global Rules to Protect Oceans Explained

  • High Seas Treaty entered into force in January 2026. It protects oceans beyond national borders.
  • These waters cover nearly half of Earth. Marine Protected Areas can now be created.
  • Countries must share research and data. Environmental impact assessments are mandatory. Overfishing and pollution are major threats.
  • Climate change worsens ocean health. Global target is 30% protection by 2030.
  • Treaty was adopted under the UN framework. Implementation and enforcement remain key challenges.

Museveni Secures Seventh Term in Uganda As President

Museveni Secures Seventh Term in Uganda As President

  • Uganda elections concluded. Museveni declared winner. Seventh term secured.
  • Opposition rejected outcome. Bobi Wine alleged fraud. Biometric machines failed. Manual registers used.
  • Protests urged peacefully. Internet shutdown reported. Political debate intensified. Democratic concerns raised.

Tropical Storm Nokaen Raises Lahar Threat Near Philippines’ Mayon Volcano

19th January, 2026 Current Affairs (Daily GK Update)_15.1

  • Tropical storm Nokaen, the first cyclone of 2026 in the Philippines, is moving near Luzon with winds of 65 kmph and gusts up to 80 kmph, bringing heavy rainfall to the eastern coast.
  • Authorities have warned that rain could trigger lahars on Mayon Volcano, where loose volcanic deposits from recent eruptions may mix with water to form fast-moving mudflows.
  • These lahars threaten downstream communities, infrastructure, and coastal areas, with some potentially remaining hot and life-threatening.

Banking News

ICICI Bank Reappoints Sandeep Bakhshi as MD & CEO Till 2028

19th January, 2026 Current Affairs (Daily GK Update)_16.1

  • ICICI Bank’s board has approved the reappointment of Sandeep Bakhshi as Managing Director and CEO for a two-year term from October 4, 2026 to October 3, 2028, subject to RBI, shareholder, and statutory approvals.
  • Leading the bank since 2018, Bakhshi strengthened risk controls, improved asset quality, and enhanced governance, guiding ICICI through challenging periods while ensuring balanced growth.
  • His reappointment aligns with RBI’s 2025 governance directions, emphasizing leadership continuity, accountability, and board oversight.

Banks Credit-to-Deposit Ratio Hits Record High: What 81.75% Means for India’s Banking System

19th January, 2026 Current Affairs (Daily GK Update)_17.1

  • Indian banks credit-to-deposit (CD) ratio has reached a record 81.75%, meaning banks lend ₹81.75 for every ₹100 deposited.
  • The rise reflects strong loan demand but slower deposit growth, weaker deposit rates after RBI policy cuts, and liquidity pressures.
  • Banks may increasingly rely on bond borrowings to fund credit.
  • While a high CD ratio indicates efficient resource use, it also signals potential liquidity sensitivity, making balanced deposit mobilization essential for stable banking sector growth.

Economy News

India’s Electronics Exports Cross $47 Billion in 2025

19th January, 2026 Current Affairs (Daily GK Update)_18.1

  • India’s electronics exports crossed a record $47 billion in 2025, marking a major milestone in the country’s manufacturing and export growth.
  • Exports rose 37% from 2024, with smartphones contributing nearly two-thirds of the total, driven largely by PLI-supported iPhone manufacturing.
  • Strong monthly performance and diversification into products like photovoltaic cells, networking equipment, and electronic components highlight India’s deeper integration into global supply chains.

Awards News

Indian Railways Highest Honour for Chandana Sinha

19th January, 2026 Current Affairs (Daily GK Update)_19.1

  • Indian Railways has honored RPF officer Chandana Sinha with its highest award for her exceptional work in preventing child trafficking on trains and at railway stations.
  • She has rescued hundreds of vulnerable children by strengthening surveillance, coordinating with NGOs and child welfare authorities, and institutionalizing child-friendly protocols within the RPF.
  • Her efforts emphasize humanitarian impact alongside operational excellence, highlighting the Railways crucial role in protecting minors in transit and promoting social responsibility as a core institutional value.

Defense News

India-Japan Coast Guards Hold Joint HNS Response Drill in Mumbai

19th January, 2026 Current Affairs (Daily GK Update)_20.1

  • The Indian Coast Guard and Japan Coast Guard conducted a joint Hazardous and Noxious Substances (HNS) response drill in Mumbai to enhance maritime safety cooperation.
  • The exercise was held onboard ICGS Samudra Prahari and focused on handling chemical spills at sea.
  • Senior commanders reviewed coordinated response techniques and deployment of specialised equipment.
  • Japan Coast Guard Commandant Yoshio Seguchi also visited the Western Regional Headquarters and met Indian Coast Guard leadership.

Sports News

Vijender Singh Enters Asian Boxing Council As Member

19th January, 2026 Current Affairs (Daily GK Update)_21.1

  • Indian boxing star Vijender Singh has joined the Asian Boxing Council, marking his transition from elite athlete to sports administrator.
  • The Olympic bronze medallist brings nearly two decades of international experience to policymaking, development strategies, and athlete-focused governance in Asian boxing.
  • His induction enhances India’s influence in regional sports administration and is expected to strengthen talent development, competition standards, and strategic growth across the continent.Indian Railways Highest Honour for Chandana Sinha.

Important Days News

Kokborok Day 2026: Tripuri Language Day – History, Significance, Celebrations

Kokborok Day 2026: Tripuri Language Day - History, Significance, Celebrations

  • Kokborok Day, also known as Tripuri Language Day, is observed annually on 19 January in Tripura to celebrate the linguistic and cultural heritage of the Kokborok language.
  • In 2026, it marks the 48th anniversary of Kokborok’s recognition as an official state language in 1979.
  • Kokborok is a Tibeto-Burman language spoken by the Tripuri community and forms the core of their cultural identity.
  • The day highlights efforts to preserve indigenous languages through education, literature, and cultural programmes.

18 – 19 January 2026 | Current Affairs Today | Daily Current Affairs | By Ashish Gautam

Daily Current Affairs Quiz 19th January, 2026, Attempt Important GK Questions

By solving daily current affairs quizzes, candidates can track their preparation progress and identify areas that need improvement. This consistent practice enhances accuracy, builds confidence, and improves overall performance in time-bound competitive exams.

Daily Current Affairs: 19 January, 2026

Q1. India’s first open-sea Marine Fish Farming Project, launched in January 2026, aims to combine scientific innovation with sustainable livelihood generation. Where was this project formally launched?

(a) Lakshadweep Sea
(b) North Bay, Sri Vijaya Puram, Andaman Sea
(c) Gulf of Mannar, Tamil Nadu
(d) Kochi Harbour, Arabian Sea
(e) Visakhapatnam Coast, Bay of Bengal

Answer: b

Solution:

  • Dr. Jitendra Singh, Union Minister of State (Independent Charge) for Science & Technology and Earth Sciences, launched India’s first open-sea Marine Fish Farming Project.
  • The project was launched on 18 January 2026.
  • The launch took place at North Bay, Sri Vijaya Puram, in the Andaman Sea.
  • The initiative focuses on open-sea cultivation of marine finfish and seaweed under natural ocean conditions.
  • It aims to integrate scientific innovation with livelihood generation, especially for coastal communities.
  • The project is being implemented through a collaboration between:
    • Ministry of Earth Sciences (MoES)
    • National Institute of Ocean Technology (NIOT) – technical arm of MoES
    • UT Administration of Andaman and Nicobar Islands

Q2. Between 1 April and 31 December 2025, Public Sector Banks sanctioned over 3.96 lakh MSME loan applications under Credit Assessment Model (CAM)  for Micro, Small & Medium Enterprises (MSMEs), amounting to approximately:

(a) ₹25,000 crore
(b) ₹35,000 crore
(c) ₹45,000 crore
(d) ₹52,300 crore
(e) ₹60,000 crore

Answer: d

Solution:

  • Public Sector Banks (PSBs) launched the Credit Assessment Model (CAM) in 2025 for Micro, Small & Medium Enterprises (MSMEs).
  • The model is based on digital footprints to enable automated and objective credit appraisal.
  • Between 1 April and 31 December 2025, PSBs sanctioned:
    • Over 3.96 lakh MSME loan applications
    • Total amounting to more than ₹52,300 crore.
  • CAM uses digitally fetched and verifiable ecosystem data to assess loan eligibility.
  • The model supports both:
    • ETB (Existing-to-Bank) borrowers
    • NTB (New-to-Bank) borrowers
  • Digital data sources used include: KYC authentication, Mobile and email verification, GST data analysis Bank statement analysis via Account Aggregator, ITR verification, Credit Information Companies (CICs) data, and Fraud and risk checks
  • Key benefits for MSMEs:
    • Online loan applications from anywhere
    • Reduced paperwork and branch visits
    • Instant in-principle digital sanctions
    • End-to-end Straight Through Processing (STP)
    • Reduced Turnaround Time (TAT)
    • Objective, data-driven credit decisions
    • Integration with CGTMSE credit guarantee schemes

Q3. The Padmapani Award at the 11th Ajanta-Ellora International Film Festival has been conferred in recognition of unparalleled contributions to Indian cinema. Who has been announced as the recipient of this prestigious honour?

(a) Ilaiyaraaja

(b) A. R. Rahman
(c) Shankar Mahadevan
(d) Pritam Chakraborty
(e) Vishal Bhardwaj

Answer: a

Solution:

  • Veteran music composer Ilaiyaraaja has been announced as the recipient of the ‘Padmapani Award’ at the 11th Ajanta-Ellora International Film Festival.
  • The award recognises his exceptional and unparalleled contribution to Indian cinema.
  • The Padmapani Award includes:
    • A Padmapani memento
    • A citation certificate
    • A cash prize of ₹2 lakh
  • The 11th Ajanta-Ellora International Film Festival will be held from 28 January to 1 February 2026.
  • The venue for the festival is Mahatma Gandhi Mission, Chhatrapati Sambhajinagar (Maharashtra).
  • The festival is organised with the support of:
    • Ministry of Information and Broadcasting, Government of India
    • Department of Cultural Affairs, Government of Maharashtra
  • The event is co-presented by:
    • National Film Development Corporation (NFDC)
    • Maharashtra Film, Stage and Cultural Development Corporation

Q4. The Centre of Excellence (CoE) for Regulatory Affairs in the Power Sector was inaugurated to address emerging challenges such as renewable energy integration, digitalisation, and expanding power markets. Which of the following institutions jointly established this Centre?

(a) Ministry of Power, NITI Aayog and Power Grid Corporation of India
(b) IIT Bombay, Central Electricity Authority and NTPC
(c) CERC, Power Finance Corporation and IIT Madras
(d) Grid India, State Electricity Boards and NITI Aayog

(a) IIT Delhi, Central Electricity Regulatory Commission and Grid Controller of India Ltd.

Answer: e

Solution:

  • Union Minister of Power Shri Manohar Lal inaugurated the Centre of Excellence (CoE) for Regulatory Affairs in the Power Sector on 19 January 2026.
  • The Centre has been established at the Indian Institute of Technology (IIT) Delhi.
  • It is a joint initiative of IIT Delhi, the Central Electricity Regulatory Commission (CERC), and Grid Controller of India Ltd. (Grid India).
  • The CoE aims to strengthen India’s regulatory capacity in a power sector marked by rising electricity demand, large-scale renewable energy integration, expanding power markets, and increased use of digital technologies.
  • The Centre is envisioned as a national-level hub for regulatory research, capacity building, advisory support, and knowledge dissemination.
  • The initiative integrates policy formulation, regulatory processes, system operations, and academic research into a unified institutional framework.

Q5. The International Monetary Fund revised India’s growth outlook for FY 2025–26 citing strong economic momentum. What is the updated GDP growth projection announced in January 2026?

(a) 6.4 per cent
(b) 6.8 per cent
(c) 7.0 per cent
(d) 7.3 per cent
(e) 7.8 per cent

The correct answer is: (d)

  • The International Monetary Fund (IMF) raised India’s GDP growth projection to 7.3% for FY 2025–26.
  • The revised forecast was announced on 19 January 2026.
  • This represents an upward revision of 0.7 percentage points from the IMF’s October 2025 forecast.
  • The IMF attributed the upgrade to strong economic momentum in the fourth quarter of the current fiscal year.
  • The IMF projected India’s growth at 6.4% for both 2026 and 2027.
  • Despite expected moderation, India remains a key growth driver among emerging market and developing economies (EMDEs).
  • The IMF projected global growth at 3.3% in 2026.
  • Global growth is supported by:
    • Easing trade tensions
    • Accommodative financial conditions
    • Increased investment in technology, especially Artificial Intelligence (AI)
  • The IMF expects India’s inflation to return close to target levels after a sharp decline in 2025, mainly due to subdued food prices.

IBPS SO Syllabus & Exam Pattern 2026 for Prelims and Mains Exams

The Institute of Banking Personnel Selection (IBPS) conducts the IBPS SO Exam every year to select eligible candidates for Specialist Officer posts in public sector banks. To perform well in the exam, candidates must clearly understand the latest IBPS SO Syllabus and Exam Pattern. For 2026, IBPS has updated the syllabus and pattern for both the Prelims and Mains exams. The Mains exam is especially important because it checks the professional knowledge of candidates in fields like IT, Agriculture, Marketing, HR, Law, and Rajbhasha. Knowing the detailed syllabus helps candidates focus on the right topics, plan their preparation properly, and improve their chances of scoring high in the exam.

IBPS SO Syllabus 2026

To succeed in the IBPS SO 2026 exam, it’s important to understand the detailed syllabus. The exam covers general sections like Reasoning, Quantitative Aptitude, and English, as well as Professional Knowledge tailored to specific roles such as IT Officer, Agriculture Field Officer, Law Officer, and more. Each section assesses candidates’ skills in reasoning, general awareness, and specialised knowledge. Knowing the syllabus helps candidates focus on the right topics for better preparation and improves their chances of success in the exam.

  1. IT Officer
  2. Agriculture Field Officer
  3. Rajbhasha Adhikari
  4. Law Officer
  5. HR/ Personnel Officer
  6. Marketing Officer

The article below comprises topic-wise IBPS SO Syllabus for each of the sections along with the exam pattern.

Also Read, IBPS SO Final Result 2025-26

IBPS SO Syllabus & Exam Pattern 2026 Overview

The IBPS SO exam has two stages Prelims and Mains exam. Candidates need to clear both to reach the final interview round. The exam is conducted online, and there is negative marking for wrong answers. Below we have given the overview of the IBPS SO Syllabus and Exam Pattern.

Details Information
Exam Conducting Authority
Institute of Banking Personnel Selection (IBPS)
Exam Name IBPS SO 2026
Exam Mode Online
Duration
Prelims: 120 minutes
Mains: 45-60 minutes
Selection Process
Prelims → Mains → Interview
IBPS SO Mains Cut Off 2025
18th December 2025
Negative Marking
0.25 marks per wrong answer
Official Website ibps.in

IBPS SO Syllabus and Exam Pattern

The first important tool required to start the preparation for the IBPS SO Exam is being acquainted with the IBPS SO Syllabus 2026. The preliminary examination syllabus is almost similar to that of other banking exams. Professional Knowledge is included in the IBPS SO Syllabus for the main exam. Here, we have discussed the prelims and mains exam IBPS SO Syllabus.

IBPS SO Prelims Exam Syllabus 2026

The preliminary examination of IBPS SO consists of the same subjects for each post, i.e. Reasoning, English Language, Quantitative Aptitude, and General Awareness. Here, we have discussed a detailed breakdown of the subjects included in the IBPS SO Syllabus 2026 for prelims.

IBPS SO Syllabus 2026 For Prelims
Reasoning English Language Quantitative Aptitude General Awareness
  • Cloze Test
  •  Reading Comprehension
  • Spotting Errors
  • Sentence Improvement
  • Sentence Correction
  •  Para Jumbles
  •  Fill in the Blanks
  • Para/Sentence Completion
  • Column Based
  • Sentence Rearrangement
  • Word Swap
  • Sentence Based Error
  • Spelling Errors
  • Connectors
  • Current Affairs
  • Banking Awareness
  • GK Updates
  • Currencies
  • Important Places
  • Books and Authors Awards
  • Headquarters
  • Central Government Schemes
  • Important Days
  • RBI Circulars
  • Static Banking

IBPS SO Mains Exam Syllabus 2026

The main examination of IBPS SO requires candidates from all posts to take the Professional Studies test. However, the IBPS SO Syllabus for professional studies varies for each post. Here, we have discussed the topic-wise IBPS SO Syllabus 2026 of Professional Knowledge for each of the posts.

IBPS SO Mains Exam Syllabus 2026
IT Officer (Scale-I) Syllabus Agricultural Field Officer (Scale-I) Syllabus Marketing Officer (Scale-I) Syllabus HR/ Personnel Officer (Scale-I) Syllabus Law Officer (Scale-I) Syllabus
  • Database Management System
  • Data Communication and Networking
  • Operating System
  • Software Engineering
  • Data Structure
  • Computer Organization and Microprocessor
  • Object-Oriented Programming
  • Agriculture Current Affairs
  • Crop Horticulture Vegetables
  • Spacing Time Of Sowing Seed Rate
  • Varieties Important Only
  • Herbicides Pesticides
  • Important points regarding plants fruits vegetables
  • Preservation of fruits and vegetables
  • Types of cropping system
  • Different Diseases
  • Seed technology – Different government schemes
  • Agriculture economics – Agriculture cost and schemes
  • Various types of agricultural practices
  • Soil resources
  • Indian soil
  • Types of facts ( like humus content, CN ratio etc)
  • Green manures
  • Animal husbandry and technology
  • Different breeds of animals
  • Agriculture small industries like honey daily in the fisheries
  • Various diseases and their causes
  • Rural welfare activities in India – Before independence and After independence
  • Different insurance schemes regarding agriculture
  • Women and child development schemes
  • Basics of Marketing Management
  • Brand Management
  • Advertising
  • PR
  • Sales
  • Retail
  • Business Ethics
  • Market Segmentation
  • Market research and forecasting demand
  • Product Life Cycle
  • Corporate Social Responsibility
  • Service Marketing
  • Marketing Strategies
  • Human Resource Development
  • Business policy and strategic analysis
  • Transnational Analysis
  • Training and Development
  • Recruitment and Selection
  • Rewards and Recognition
  • Industrial Relations
  • Business Policy and Strategic Analysis
  • Grievance and Conflict Management
  • Performance Management and Appraisal
  • Banking Regulations
  • Compliance and Legal Aspects
  • Relevant Law and Orders related to negotiable instruments, securities, foreign exchange
  • Prevention of Money-laundering, Limitation Act
  • Consumer Protection Act
  • SARFAES
  • Banking Ombudsman Scheme
  • Laws and Actions with a direct link to Banking Sector
  • Bankers Book Evidence Act
  • DRT Act

IBPS SO Exam Pattern 2026

The IBPS PO Exam Pattern 2026 provides a detailed structure of the exam, including the number of questions, subjects, and marking scheme. Understanding the pattern helps candidates plan their preparation, focusing on the weightage of each section and managing their time effectively. For IBPS SO Exam 2026, the process consists of three phases: Preliminary Exam, Mains Exam and Interview. Candidates must clear all three phases for final selection. The Prelims have separate sectional timing, with 40 minutes allotted for each section. Only the Mains Exam and Interview scores will be considered for final selection and the Mains will focus on Professional Knowledge subjects.

IBPS SO Prelims Exam Pattern 2026

Aspirants can check below the IBPS SO Prelims Exam Pattern 2026 for the posts of Law Officer and Rajbhasa Adhikari.

IBPS SO Prelims Exam Pattern 2026 For Law Officer & Rajbhasha Adhikari
S. No. Section No. of Questions Total Marks Duration
1. Reasoning 50 50 40 minutes
2. English Language 50 25 40 minutes
3. General Awareness with Special Reference to the Banking Industry 50 50 40 minutes
Total 150 125 120 minutes

The given table includes the prelims exam pattern for the post of Specialist Officers (Agriculture Field Officer, Marketing Officer (Scale I), HR/Personnel Officer, and IT Officer Scale I.

IBPS SO Prelims Exam Pattern 2026
Serial No Section No. of Questions Total Marks Duration
1. Reasoning 50 50 40 minutes
2. English Language 50 25 40 minutes
3. Quantitative Aptitude 50 50 40 minutes
Total 150 125 120 minutes

IBPS SO Mains Exam Pattern 2026

Here, aspirants can check the IBPS SO Mains Exam Pattern 2026 for the post of Rajbhasha Adhikari.

IBPS SO Mains Exam Pattern 2026 for Rajbhasha Adhikari
Name of Test Number of Questions Duration Maximum Marks
Professional Knowledge(Objective) 45 30 minutes 60 Marks
Professional Knowledge(Descriptive) 2 30 minutes

Aspirants applying for the Post of Law Officer, IT Officer, Agriculture Field Officer, HR/Personnel Officer, and Marketing Officer can check the main examination pattern below.

IBPS SO Mains Exam Pattern 2026
Name of Test Number of Questions Maximum Marks Duration
Professional Knowledge 60 60 45 minutes

IBPS AFO Syllabus 2025 and Exam Pattern- Check Here

IBPS SO Law Officer Syllabus 2025 and Exam Pattern- Check Here

IBPS SO Marketing Officer Syllabus 2025 and Exam Pattern- Check Here

IBPS SO 2026 Interview Process

The IBPS SO 2026 Interview Process is the final stage of the recruitment process, which candidates reach after qualifying for the Prelims and Mains exams. During the interview, candidates will be evaluated based on the specific role they applied for. They will be asked questions related to the job and their overall personality and knowledge will be assessed. It is essential to perform well in this stage as the final selection is based on the interview performance. Candidates should prepare thoroughly to increase their chances of success in securing the position they applied for.

IBPS SO Marking Scheme 2026

The IBPS SO Marking Scheme 2026 is simple and the same for all candidates. In the IBPS SO exam, each correct answer carries 1 mark. In the English Language section, every question carries 0.5 marks.

For every wrong answer, 0.25 marks are deducted as negative marking in both the Prelims and Mains exams. If a candidate does not attempt a question, no marks are given, and no marks are deducted.

Candidates should try to avoid guessing answers, as wrong attempts can reduce the overall score due to negative marking. Understanding the marking scheme helps in making better exam strategies.

IBPS SO 2026 Selection Process

The IBPS SO 2026 selection process is based on three stages: the Preliminary Exam, the Main Exam, and the Interview. All exams are conducted online. To be selected for Specialist Officer positions, candidates must perform well in all three stages. Those who pass the Prelims will move on to the Mains, and those who clear the Mains will be called for the Interview. Finally, candidates who succeed in all stages will be recruited for the posts in participating banks.

Tips to Prepare for IBPS SO Exam

Understand the detailed syllabus and pattern for both Prelims and Mains according to your specific post.

Create a realistic study plan focusing on both core subjects and general aptitude.

Practice previous year papers and mock tests regularly to improve speed and accuracy.

For Mains, emphasize Professional Knowledge relevant to your discipline through reference books and online resources.

Stay updated with banking awareness and current affairs, especially if your Prelims includes General Awareness.

Related Posts
IBPS SO Salary
IBPS SO Previous Year Papers IBPS SO Eligibility

IBPS RRB Clerk Mains Analysis Trend Of Last 3 Years

With the IBPS RRB Clerk Mains exam is set to be held on 1 February 2026, candidates can focus fully on their preparation. The exam evaluates skills in Reasoning, Quantitative Aptitude, English Language, General Awareness, and Computer Knowledge. Reviewing trends from previous years helps aspirants identify important topics, understand question patterns, and plan a targeted strategy to maximize their scores.

IBPS RRB Clerk Mains Analysis Trend of Last 3 Years (2022–2024)

With the IBPS RRB Clerk Mains exam dates now officially announced, candidates can concentrate fully on their preparation. The exam follows a consistent structure, covering Reasoning, Quantitative Aptitude, English, General Awareness, and Computer Knowledge. By reviewing previous years’ trends (2022–2024), aspirants can pinpoint high-frequency topics, recurring question types, and key areas to prioritize for effective preparation.

1. Reasoning Ability Trends

Reasoning continues to be puzzle-dominated, with 5–6 major puzzle sets contributing 20–30 questions

  • Core puzzles/arrangements appear every year: Floor/Flat, Month/Day, Designation, Box, Linear, Circular, and Uncertain persons.
  • Syllogism, Direction–Distance, Blood Relation are consistent but in small numbers (1–5 Qs).
  • New-age elements like Chinese or condition-based coding and Data Sufficiency are emerging since 2023.
  • Prepare 6–7 puzzle types thoroughly, as they form the backbone of the reasoning section.
Year Key Puzzle/Arrangement Types Questions from Puzzles
Other Major Topics (Qs)
2022 Sequencing; Circular (11, facing center); Linear (9, N/S); Day–Color; Designation–City; Uncertain persons 25–30
Direction & Distance – 4; Inequality – 5; Blood Relation – 1
2023 Box-based (10 boxes); Floor–Flat (3×2, cities); Designation/Post (9 posts); Circle (8, in/out); Month-based (Mar–Sep) 25
Syllogism – 3–4; Direction & Distance – 1–2; Blood Relation – 3; Chinese Coding – 5; Word-based – 1; Uncertain line – 1
2024 Floor–Flat; Age-based; Month-based; Uncertain persons; Linear (9, N/S); Circular 30 (6 sets + uncertain)
Syllogism – 3; Data Sufficiency – 2; Condition-based Coding – 4; Number-based – 1; Pair formation – 1

2. Quantitative Aptitude / Numerical Ability Trends

The QA section maintains a stable structure: 3 sets of DI + Arithmetic + 1–2 small topics (series/approx/simplification).

  • DI questions have slightly increased (18 in 2024 vs 15 earlier).
  • Arithmetic remains stable at 10–12 questions; focus on P&L, SI/CI, TSD, Time & Work, Partnership, Mensuration, Ratio & Percentage.
  • Series/Approx/Simplification are always 8–10 combined, with the flavor changing yearly:
    • 2022: Quadratic + Missing series
    • 2023: Approx + Missing series + 1 Quadratic
    • 2024: Simplification + Wrong number series
Year DI Pattern Series / Approx. / Other
Arithmetic Focus
2022 Caselet – 5; Tabular – 5; Pie + Line – 5 Missing Series – 5; Quadratic – 5
10 Qs: Percentage, P&L, Mixtures, S-T-D, Partnership, Train, Mensuration
2023 Line Graph – 5–6; Tabular (Business/Economy) – 5; Total DI – 15 Approx – 5; Missing Series – 5; Quadratic – 1
10 Qs: Avg, Percentage, TSD, CI/SI, P&L, Time & Work, Partnership, Age, Mensuration
2024 Line Graph – 6; Tabular – 6; Caselet – 6 Wrong Number Series – 4; Simplification – 6
12 Qs: Same core Arithmetic chapters

3. English Language Trends

English remains Easy to Moderate, with a consistent mix of RC, grammar, vocab, and rearrangement/jumble questions.

  • RC is always 10–12 questions, generally on general topics like environment or social themes.
  • Grammar (Error Detection) is fixed at 5 questions.
  • Vocab & fillers combined contribute 15–20 questions.
  • Rearrangement/Para-based questions are 9–10 per year.
Year RC Grammar & Error Vocab / Word-based Rearrangement / Para Types Other
2022 12 Qs; single RC Error Detection – 5 Misspelt – 2; Fillers – 6; Cloze – 6 Sentence Rearrangement – 5
4 new-type questions
2023 10 Qs; Nature & Environment Error Detection – 5 Syn/Ant – 6; Fillers – 5; Word Swap – 5 Sentence Rearrangement – 4; Para Jumbles – 5 Easy–Moderate
2024 10 Qs RC Error Detection – 5 Cloze – 5; Vocab – 3; Inappropriate word – 5; Word usage – 2; Idioms – 1 Para Jumble – 5; Para Completion – 4
Moderate but student-friendly

4. General Awareness Trends

GA is highly dynamic, but core areas remain stable: banking & regulatory awareness, government schemes, appointments, awards, and current affairs (last 4–6 months).

  • Strong emphasis on banking/financial awareness: RBI terms, D-SIBs, KYC, scheduled/foreign banks, insurance, CEO/MD appointments.
  • Government schemes & committees, international summits, awards, and sports are consistent.
  • Current affairs from the last 4–6 months dominate, sometimes clustered heavily in a single month.
Year Focus Areas
2022
Days & Events; Schemes (PMEGP, IGSRY, DDUGKY); Banking & RBI terms; Important posts; Sports & International bodies
2023
Intl/National Affairs (G20, BRICS, UNGA); Banking & economy; Awards & sports; Polity & offices
2024
GST Council; Scheme/insurance (Jeevan Raksha); Abbreviations; Awards; Sports; 40% questions from April

5. Computer Knowledge Trends

Computer Knowledge is considered the easiest section, with high repeat value.

  • MS Office (Word, Excel, PowerPoint features) and shortcut keys are highly repeated.
  • Basic hardware/memory, input/output devices, and storage hierarchy are frequent.
  • Internet & Networking, along with cybersecurity concepts (virus, phishing, hacking), are regularly tested.
Year Focus Areas
2022
Networking, Shortcut keys, MS Office, Internet
2023
Basics (RAM, storage units, input devices), History (Babbage), OS, MS Office features, UPI Apps, Printers, Modem
2024
MS Office (Word, Excel, PowerPoint), Shortcut keys, Internet, Cybersecurity, Networking fundamentals

Key Areas for IBPS RRB Clerk Mains Preparation

The IBPS RRB Clerk Mains exam follows a fairly consistent pattern across sections, with some shifts in topics each year. Understanding high-frequency areas and recurring question types can help candidates prioritize their preparation and maximize scoring potential. The following actionable insights highlight what to focus on in each section.

Puzzle-heavy Reasoning, DI-focused Quant, and current affairs-rich GA are the scoring sections. English and Computer sections are moderate but predictable; regular practice ensures speed and accuracy.

  • Reasoning: Master 6–7 core puzzle types, plus basic Syllogism, Direction-Distance, and Blood Relation. Include practice for new coding/Data Sufficiency.
  • Quantitative Aptitude: Focus on DI sets and 10–12 Arithmetic questions, while practicing changing patterns in series, approximation, or simplification.
  • English Language: RC + Error Detection + Vocab + Rearrangement/Para-based questions dominate. Stick to 10–12 RCs, 5 grammar, 15–20 vocab/fillers, 9–10 rearrangements.
  • General Awareness: Prioritize banking awareness, schemes, international summits, awards, and sports, especially latest 4–6 months.
  • Computer Knowledge: Focus on MS Office, shortcut keys, basic hardware, networking, Internet, and cyber security.

High-Scoring Areas in IBPS RRB Clerk Mains

Common Mistakes to Avoid in Each Section

1. Reasoning Ability

  • Ignoring puzzle patterns or overcomplicating easy sets.
  • Skipping coding/data sufficiency practice.
  • Blind guessing can lead to negative marking.

Tip: Focus on 6–7 puzzle types and practice regularly.

2. Quantitative Aptitude

  • Neglecting DI sets or pattern changes in series/approx.
  • Calculation mistakes and poor time management.

Tip: Revise core arithmetic and practice shortcut methods.

3. English Language

  • Spending too long on RCs, ignoring grammar or para jumbles.
  • Random guesses can reduce marks.

Tip: Practice RCs, error detection, and rearrangement daily.

4. General Awareness

  • Ignoring recent current affairs or banking updates.
  • Memorizing irrelevant/outdated facts.

Tip: Focus on last 4–6 months of current affairs and banking terms.

5. Computer Knowledge

  • Overlooking MS Office shortcuts and networking basics.
  • Neglecting cybersecurity questions.

Tip: Revise basics and solve 10–15 MCQs daily.

Test Prime

SBI, IBPS and RRB Exam Schedule 2026–27, Check Expected Date Wise Calendar

The Institute of Banking Personnel Selection (IBPS) has officially released the IBPS Calendar 2026, providing aspirants with a complete and confirmed schedule of upcoming banking examinations. With all exam dates now clearly available, candidates can plan their preparation, revision, and mock tests more effectively. This official calendar covers exams conducted by IBPS, including PO, Clerk, SO, and RRB posts, giving aspirants a clear roadmap for the 2026–27 banking season.

SBI, IBPS & RRB Exam Schedule 2026–27

Banking aspirants preparing for upcoming recruitments like SBI PO 2026, IBPS PO 2026, RRB Assistant 2026, and RRB PO 2026 should refer to the SBI, IBPS, and RRB Exam Schedule 2026–27 provided in this article. Please note that while this schedule gives a clear overview of the expected timeline, it is based on dates currently circulating on popular social media platforms and other unofficial sources.

SBI Exam Schedule 2026-27

The year 2026 is expected to include multiple State Bank of India recruitment drives, including SBI PO 2026 and SBI Junior Associate (JA) 2026. In the table below, candidates can check the expected exam dates for both SBI recruitments to plan their preparation accordingly.

Month & Year Exam Name Stage
Expected Exam Dates
August 2026 SBI PO 2026 Prelims
01 – 02 August 2026
September 2026 SBI PO 2026 Mains 12 September 2026
SBI JA 2026 Prelims (Day 1) 27 September 2026
October 2026 SBI JA 2026 Prelims (Day 2) 03 October 2026
November 2026 SBI JA 2026 Mains 7 November 2026

IBPS Exam Schedule 2026-27

The Institute of Banking Personnel Selection (IBPS) conducts some of the most sought-after banking recruitment exams in India, attracting lakhs of aspirants each year. With the 2026–27 recruitment cycle underway, the official IBPS exam dates for PO, Clerk, and SO posts have now been released. Candidates can now stop speculating about timelines and focus entirely on their preparation, knowing exactly when each exam will be held.

Month & Year Exam Name Stage Exam Dates
August 2026 IBPS PO / MT-XVI 2026 Prelims
22 – 23 August 2026
IBPS SO (CRP SPL-XVI) 2026 29 August 2026
October 2026 IBPS PO / MT-XVI 2026 Mains 4 October 2026
IBPS Clerk (CRP CSA-XVI) 2026 Prelims
10 – 11 October 2026
November 2026 IBPS SO (CRP SPL-XVI) 2026 Mains 1 November 2026
December 2026 IBPS Clerk (CRP CSA-XVI) 2026 27 December 2026
November 2026 RRB Officer Scale I 2026 Prelims
21 – 22 November 2026
December 2026 RRB Officer Scale I 2026 Mains 20 December 2026
December 2026 RRB Officer Scale II & III 2026 Single Online Exam 20 December 2026
RRB Office Assistant 2026 Prelims
06, 12, 13 December 2026
January 2027 RRB Office Assistant 2026 Mains 30 January 2027

RRB Exam Schedule 2026-27

The Regional Rural Banks (RRBs) are set to conduct major recruitments in 2026–27, including RRB PO, RRB Assistant, and RRB Scale II/III. With the exam season approaching, aspirants are eager for clarity on the dates for RRB PO and RRB Assistant exams. Having a clear RRB exam schedule helps candidates plan their preparation effectively, manage multiple exams efficiently, and avoid last-minute stress during the recruitment cycle.

RRB Exam Schedule 2026
Exam Name Expected Exam Dates
RRB PO 2026 (Prelims) 21 – 22 November 2026
RRB Assistant 2026 (Prelims) 06, 12 & 14 December 2026
RRB PO 2026 (Mains) 20 December 2026
RRB Scale II / III 2026 (Single Exam) 20 December 2026
RRB Assistant 2027 (Mains) 30 January 2027

Bank Mahapack

Related Table
IBPS Calendar 2026 IBPS RRB Exam Date 2026
IBPS PO Exam Date 2026 IBPS Clerk Exam Date 2026

RBI Grade B Mains Cut Off 2025, Check Category Wise Cut Off Marks

The RBI Grade B Phase II (Mains) Result 2025 has been officially released, bringing clarity to candidates who appeared for the examination. With the results now out, aspirants are keenly awaiting the release of the RBI Grade B Mains Cut Off 2025, which is expected to be announced soon on the official website. The cut-off marks will indicate the minimum score required to qualify for the interview stage and will help candidates better understand their performance.

RBI Grade B Mains Cut Off 2025

Candidates who have appeared in the exam are now awaiting the RBI Grade B Mains Cut Off 2025, which is expected to be released shortly by the Reserve Bank of India. Once released, the RBI Grade B Mains Cut Off 2025 will be determined based on factors such as the difficulty level of the exam, number of vacancies, and overall candidate performance. Aspirants are advised to keep checking the official website for the latest updates regarding the cut-off and further stages of the selection process.

RBI Grade B Prelims Cut Off 2025

The RBI Grade B Prelims Cut Off 2025 has been released category-wise, giving candidates a clear idea of the minimum marks required to qualify. Aspirants can now check their scores and assess their performance against the cut-off to understand their chances of moving forward in the selection process.

RBI Grade B Prelims Cut Off 2025

RBI Grade B Interview Process After Mains Result

After the declaration of the RBI Grade B Mains Result 2025, candidates who have qualified move to the Interview stage, which is the final and most crucial phase of the selection process. This round focuses on evaluating a candidate’s overall personality, professional awareness, and readiness to take on the role of an RBI Grade B Officer.

Key points of the RBI Grade B Interview Process:

  • The interview is conducted for 75 marks
  • Only candidates shortlisted through Phase II are eligible
  • Interview call letters are released separately on the official RBI website
  • Candidates must appear for document verification along with the interview
  • Final selection is based on combined marks of Phase II and Interview
  • Performance in communication skills, subject knowledge, and current affairs is assessed

What After RBI Grade B Mains Exam?

With the RBI Grade B Mains Result 2025 now released, the recruitment process has entered its final phase — the Interview (Phase III). Candidates who have been shortlisted in the Mains examination should now focus on the next steps outlined below:

  • Result Status Confirmed: RBI has published the Phase II (Mains) result on its official website. Candidates shortlisted in the result PDF are eligible to appear for the interview round.
  • Interview Call Letter: Shortlisted candidates will soon receive the interview call letter on the RBI website, mentioning the interview date, time, venue, and reporting instructions.
  • Document Verification: Candidates must present original academic certificates, identity proof, and category-related documents (if applicable) for verification during the interview process.
  • Interview (Phase III): The interview evaluates candidates on subject knowledge, analytical ability, communication skills, and overall suitability for the role of RBI Grade B Officer.
  • Final Merit List: RBI will prepare the final merit list based on the combined marks of Phase II (Mains) and the Interview, and selected candidates will be offered appointment accordingly.

Importance of RBI Grade B Cut Off 2025

The RBI Grade B Cut Off 2025 is a key benchmark that determines which candidates advance to the next stage of the selection process. It not only reflects exam difficulty but also helps aspirants plan their preparation.

Key Points:

  • Indicates the minimum marks required to qualify for each stage.
  • Helps candidates assess their performance and standing.
  • Highlights category-wise competition and merit trends.
  • Guides aspirants in setting realistic target scores.
  • Assists in strategizing preparation based on previous years’ patterns.

RBI Grade B Interview Batch

RBI Grade B Previous Year Cut Off

Crossing the RBI Grade B cut-off is the real deciding factor in moving ahead in the selection process. To guide aspirants in setting smarter preparation goals, we have compiled a clear category-wise breakdown of previous years’ cut-offs. Analyzing these trends helps candidates understand competition levels, spot scoring patterns, and set practical target marks that can boost their chances of securing a place in the next stage.

RBI Grade B Phase I Cut Off 2024

RBI Grade B Cut Off 2024 for Phase I has been made available section-wise as well as category-wise along with the RBI Grade B Score Card 2024. The RBI Grade B Phase I Cut Off 2024 for the General Category candidates is 67.25, for the other categories cut off marks candidates can refer to the given section.

RBI Grade B Cut Off 2024: Phase 1 Cut Off
Section Category
General/UR EWS OBC SC ST PwBD
General Awareness 20.00 20.00 16.00 14.25 14.25 14.25
English Language 7.50 7.50 6.00 5.25 5.25 5.25
Quantitative Aptitude 7.50 7.50 6.00 5.25 5.25 5.25
Reasoning 15.00 15.00 12.00 10.75 10.75 10.75
Total 67.25 67.25 65.00 58.00 54.00 53.25

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RBI Grade B Mains Cut Off 2024

The RBI Grade B Mains results for 2024 are now out, along with the official cut-off marks. Candidates can review their performance by checking their individual scores and comparing them with the cut-off. To access the scorecard and detailed cut-off information, aspirants should visit the RBI’s official website.

RBI Grade B Cut off 2024 Final- General post 

The cut-off marks are categorized based on different sections and categories, determining the minimum scores required for qualification. The table below provides the RBI Grade B Final Cut off 2024 for the General Posts.

RBI Grade B Cut off 2024 Final General post 
Recruitment Stage General OBC SC ST EWS PwBD
Aggregate Cutoff Marks in Phase-II (Paper- I, Paper-II, and Paper- III taken together in Written Examination) for Shortlisting the Candidates for Interview (Out of Total 300 Marks) 173.50 169.00 165.00 161.50 173.50 152.50
Aggregate Marks in Phase-II Examination (Paper- I, II, and III) and Interview taken together (Out of Total 375 Marks) Obtained by the Last Recommended Candidate 226.75 218.00 212.25 214.50 206.00 200.50 (GEN), 191.75 (OBC), 186.00 (SC) (No PwBD Candidate qualified in ST and EWS category)

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RBI Grade B Cut off 2024 Final- DEPR post

The table below provides the RBI Grade B Final Cut off 2024 for DEPR Posts.

RBI Grade B Cut off 2024 Final DEPR post 
Recruitment Stage General OBC SC ST EWS PwBD
Aggregate Cutoff Marks in Phase-I (Paper- I and Paper-II) (Out of Total 200 Marks) 121.50 114.00 119.00 107.50 121.50 107.50
Aggregate Cutoff Marks in Phase-I (Paper-I and Paper-II) and Phase-II (Paper-I and Paper-II) taken together for Shortlisting the Candidates for Interview (Out of Total 400 Marks) 269.00 259.50 265.67 241.00 269.00 241.00 (No candidate was shortlisted for Interview phase)
Aggregate Marks in Online/Written Examination (Phase-I and Phase-II) and Interview taken together (Out of Total 475 Marks) Obtained by the Last Recommended Candidate 327.67 307.75 313.08 253.83 326.67 –

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RBI Grade B Cut off 2024 Final- DSIM post

The table below provides the RBI Grade B Final Cut off 2024 for DISM Posts.

RBI Grade B Cut off 2024 Final DSIM post 
Recruitment Stage General OBC SC ST EWS PwBD
Cutoff Marks in Phase-I (Paper-I) (Out of Total 100 Marks) 81.50 – 74.50 74.50 (No candidate was shortlisted for Phase-II Examination) – 74.50 (No candidate was shortlisted for Phase-II Examination)
Aggregate Cutoff Marks in Phase-I (Paper-I) and Phase-II (Paper-II and Paper-III) taken together for Shortlisting the Candidates for Interview (Out of Total 300 Marks) 228.00 – 207.00 – – –
Aggregate Marks In Online/Written Examination (Paper- I, II, and III) and Interview taken together (Out of Total 375 Marks) Obtained By the Last Recommended Candidate 294.00 – 235.00 – – –

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RBI Grade B Cut Off 2023: Final Cut Off

The Reserve Bank of India has released the RBI Grade B Final Cut Off 2023 by taking the aggregate marks in the written examination (Papers I, II, and III) and interviews out of 375 marks. Check out the table below to get the complete RBI Grade B Final Cut Off 2023.

RBI Grade B Cut Off 2023: Final Cut Off
RECRUITMENT STAGE GENERAL OBC SC ST EWS PwBD 
AGGREGATE MARKS IN WRITTEN EXAMINATION (PAPER- I, II AND III) AND INTERVIEW TAKEN TOGETHER (OUT OF TOTAL 375 MARKS) OBTAINED BY THE LAST RECOMMENDED CANDIDATE WITH REFERENCE TO THE NO. OF VACANCIES NOTIFIED IN THE ADVERTISEMENT 229.00 221.75 213.75 203.25 194.00 202.75(GEN)
167.75(EWS)No PwBD Candidate qualified in SC, ST and OBC category

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RBI Grade B Cut Off 2023: Phase 2 Cut Off

Candidates can check the table below to get the RBI Grade B Phase 2 Cut Off 2023. This cut off has been prepared by aggregating marks in written examination (Paper I, II and III) out of 300 marks.

RBI Grade B Cut Off 2023: Phase 2 Cut Off
RECRUITMENT STAGE GENERAL OBC SC ST EWS PwBD 
AGGREGATE CUT – OFF MARKS IN PAPER- I, PAPER-II AND PAPER- III TAKEN TOGETHER IN WRITTEN EXAMINATION FOR SHORTLISTING THE CANDIDATES FOR INTERVIEW (OUT OF TOTAL 300 MARKS). 169.00 169.00 156.50 148.50 169.00 148.00

RBI Grade B Cut Off 2023: Phase 1 Cut Off

Factors such as the difficulty level of the exam, number of vacancies, and overall candidate performance play a key role in determining these estimates. Aspirants can check the section as well as category-wise RBI Grade B Phase 1 Cut Off 2023 in the below table.

RBI Grade B Cut Off 2023: Phase 1 Cut Off
Section Category
General/UR EWS OBC SC ST PwBD
General Awareness 12.00 12.00 8.00 6.25 6.25 6.25
English Language 4.50 4.50 3.00 2.25 2.25 2.25
Quantitative Aptitude 4.50 4.50 3.00 2.25 2.25 2.25
Reasoning 9.00 9.00 6.00 4.75 4.75 4.75
Total 54.25 54.25 54.25 52.75 44.75 40.25

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RBI Grade B Cut Off 2023 For DEPR

Candidates who have appeared in the RBI Grade B DEPR exam can check the RBI Grade B Cut Off for the DEPR online exam and interview.

RBI Grade B DEPR Cut Off 2023
Recruitment Stage General OBC SC ST EWS PwBD
Aggregate Cut-off Marks in Phase-I (Paper-I & II) (Out of total 200) 112 102 98 98 112 98
Aggregate Cut off Marks in Phase 1 (Paper 1 and Paper 2) and Phase 2 (Paper 1 and Paper 2) taken together for shortlisting the candidates for Interview (Out of total 400 marks) 254.17 234.50 226.17 226.17 254.17 226.17 (No candidate shortlisted for Interview phase)
Aggregate Marks in Online/Written Exam (Phase-I & II) and Interview taken together (Out of total 475 marks) Obtained by the Last Recommended Candidate with reference to the number of vacancies notified in the advertisement 322 293.17 275.17 258.17 301.67 No candidate shortlisted for Interview phase

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RBI Grade B Cut Off 2023 For DSIM

Candidates can check RBI Grade B DSIM Cut off 2023 for online exam and interview.

RBI Grade B DSIM Cut Off 2023
Recruitment Stage General OBC SC ST EWS PwBD
Cut-off Marks in Phase-I (Objective type test on statistics) (Out of total 100 marks) 61.5 61.5 54.5 54.5 61.5 54.5 (No candidate shortlisted for Paper 2 and 3)
Aggregate Cut off Marks in Paper 1, 2 and 3 taken together in online/ written exam for shortlisting the candidates for Interview (Out of total 300 marks) 190.67 185.67 169.67 169.67 190.67 No candidate shortlisted for Paper 2 and 3
Aggregate Marks in Online/Written Exam (Paper 1, 2 and 3) and Interview taken together (Out of total 375 marks) Obtained by the Last Recommended Candidate with reference to the number of vacancies notified in the advertisement 264 241.75 196.33 210.33 245.67 No candidate shortlisted for Interview phase

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RBI Grade B Cut off 2022: Final Cut Off

The RBI Grade B final cut-off for 2022 is released once the interview process is completed. This cut-off represents the score of the last candidate who was recommended for selection, considering the total number of vacancies mentioned in the official notification. It is based on the combined marks from all three written exam papers and the interview, with a total weightage of 375 marks. The final cut-off for 2022 is provided below.

RBI Grade B Cut Off 2022: Final Cut Off
Category Cut-Off
General 234.50
EWS 187.50
OBC 223.00
SC 202.50
ST 179.00
PwBD
  • General-208.25
  • OBC-196.75
  • SC-176.25
  • No PwBD candidates qualified in ST and EWS category

RBI Grade B Cut Off 2022: Phase 2 Cut Off

The marks obtained in Phase II are considered for the final selection. The candidates who clear the cut off for Phase II will appear for the interview of RBI Grade B. The details on category-wise cut-off for RBI Grade B 2022 mains are given below.

RBI Grade B Cut Off 2022: Phase 2 Cut Off
Category Cut-Off
General 171.25
EWS 171.25
OBC 167.00
SC 150.50
ST 150.25
PwBD 150.25

The cut-off for the exam is important information for the candidate, the score in Phase I is relevant for appearing in the Phase II Examination. Here candidates can check the cut off for Phase I for RBI Grade B 2022.

RBI Grade B Cut Off 2022: Phase 1 Cut Off
Sections  Cut off 2022 (General)
General Awareness (80 marks) 12
Reasoning (60 marks) 9
English (30 marks) 4.5
Quantitative Aptitude (30 marks) 4.5
Out of 200 marks 63.75

RBI Grade B Cut Off 2022: Category Wise Phase 1 Cut Off

Candidates can check the category-wise RBI Grade B Cut off 2022 for the prelims exam.

RBI Grade B Cut Off 2022: Category Wise Phase 1 Cut Off
Section General EWS OBC SC ST PWD
General Awareness (80 marks) 12 12 8 6.25 6.25 6.25
Reasoning (60 marks) 9 9 6 4.75 4.75 4.75
English (30 marks) 4.5 4.5 3 2.25 2.25 2.25
Quantitative Aptitude (30 marks) 4.5 4.5 3 2.25 2.25 2.25
Total 63.75 63.75 60.25 55.25 50.75 49.75

RBI Grade B Cut Off 2021: Category Wise Phase 1 Cut Off

In the given table candidates can check the RBI Grade B cut-off 2021 for prelims exam subject-wise sectional cutoff and category-wise sectional cut-off 2021.

RBI Grade-B Cut-Off 2021 for Phase-I Exam 
Section  Category 
GENERAL/UR EWS OBC SC ST PwBD (OH/HI/VH/MD)
GENERAL AWARENESS
(Maximum Marks = 80)		 16.00 16.00 12.00 10.25 10.25 10.25
REASONING
(Maximum Marks = 60)		 12.00 12.00 9.00 7.75 7.75 7.75
ENGLISH LANGUAGE
(Maximum Marks = 30)		 6.00 6.00 4.50 3.75 3.75 3.75
QUANTITATIVE APTITUDE
(Maximum Marks = 30)		 6.00 6.00 4.50 3.75 3.75 3.75
TOTAL SCORE/ Aggregate
(Maximum Marks = 200)		 66.75 66.75 63.75 53.50 52.75 52.75

RBI Grade B Cut Off 2021: Phase 1 Cut Off

To check the RBI Grade B 2021 Phase I category-wise cutoff (overall),  follow the below-highlighted table:

RBI Grade B Cut Off 2021: Phase 1 Cut Off
Category Cut Off Marks (Out of 200)
General 66.75
EWS 66.75
OBC 63.75
SC 53.50
ST 52.75
PwBD 52.75

RBI Grade B Cut Off 2021: Phase 2 and Final

RBI Grade B phase II & Final exam/ interview was conducted in 2021. In the table category-wise marks for shortlisted candidates.

Exam Stage RBI Grade B Final Cutoff 2021 for General post
Gen OBC SC ST EWS PwBD
Phase II (Out of 300 marks) 187.75 187.75 167.5 166.75 187.75 166.75 (HI, LD, MD)
169.75 (VI)
Phase II and interview (Out of total 375 Marks) 252.25 241.25 212.25 205.25 218.25 Gen-226
OBC-223.75

RBI Grade B Cut Off 2021:Final Cut Off for DEPR

We have tabulated the category-wise cut-off for the RBI Grade B DEPR 2021 post-exam released by RBI on its official website.

Exam Stage RBI Grade B Cut Off 2021: Final Cutoff for DEPR
GENERAL OBC SC ST EWS PwBD
Aggregate cutoff marks in Paper-I (Objective Test of Economics) of written exam for candidates whose Paper-II (Descriptive Type Test) were assed (Out of 100 marks) 47.83 42.83 40.83 40.83 47.83 40.83 (LD)
47.83 (HI, VI, MD)
Aggregate cutoff marks in Paper I, II and III taken together in written exam for shortlisting the candidates for interview (Out of 300 marks) 183.17 172.83 162.17 162.17 183.17 162.17 (No candidates shortlisted for interview phase)
Aggregate cutoff marks in the written exam (Paper I, II and III) and interview taken together (out of 375 marks) obtained by the last recommended candidate 249.83 220.83 186.34 No candidate shortlisted for interview phase 208.01 No candidate shortlisted for interview phase

RBI Grade B Cut Off 2021: Final Cut Off for DSIM

RBI released the cut-off for the post of RBI Grade B 2021 for DSIM. The category-wise qualifying marks are given below.

RBI Grade B Cut Off 2021: Final Cut Off For DSIM
Exam Stage Gen OBC SC ST EWS PwBD
Aggregate cutoff marks in Paper I (Objective type test on Statistics) of written exam for candidates whose Paper II (Descriptive type test) were assessed (Out of 100 marks) 46.67 46.67 39.67 39.67 46.67 39.67 (HI,MD)
46.67 (LD, VI)-As no vacancy is reserved
Aggregate cutoff marks in Paper-I, II and III taken together in written exam for shortlisting candidates for interview (out of total 300 marks) 164.67 157.33 143.67 143.67 164.67 143.67 (No candidate shortlisted for interview phase)
Aggregate cutoff marks in written exam (Paper-I, II and III) and interview taken together (Out of 375 marks) obtained by the last recommended candidate 236 195.75 169.67 181.33 219.33 No candidate shortlisted for interview phase

RBI Grade B Cut Off 2019

The cut-off is the minimum mark required to be scored by the candidate to qualify for the exam. The candidate must be aware of the previous year’s RBI Grade B cut-off to predict what could be the level of the upcoming exam.

Grade B 2019 (DR) General

RBI Grade B 2019 (DR) General category-wise sectional cut-off and final cut-off candidates can check in the below table.

RECRUITMENT STAGE Category
GENERAL OBC SC ST EWS Pw BD
Paper I, II & III Aggregate Cut Off 193.25 188 172.25 172.25 193.25 172.25 ( HI, LD, MD) 176.75 (VI)
Written Exams (All Papers) + Interview Aggregate Cut off 238.25 215.5 206.5 194 197 Gen 215.75 OBC 194.75

Grade B 2019 (DR)-DEPR

In the given table, we are providing RBI Grade B 2019 ( DR) _ DEPR Sectional cut-off and category-wise sectional and overall cut-off of 2019

RECRUITMENT STAGE Category & CUT OFF MARKS
GENERAL OBC SC ST EWS PwBD
Aggregate cut off marks for Paper 1 52.67 47.67 45.67 45.67 52.67 HI- 45.67 LD/MD/VI -52.67

( As No vacancy )
Aggregate cut off marks for Paper 1,2 & 3 182.84 173.67 161.84 169.5 182.84 182.84

(No candidate shortlisted for the interview phase)
Aggregate cut off marks in written examination (All Papers) + Interview 229.17 203.17 195.67 189.34 204.17 (No candidate shortlisted for the interview phase)

GRADE B 2019 (DR) DSIM

RBI released the cut-off for the post of RBI Grade B 2029 for DSIM. The category-wise qualifying marks are given below.

RECRUITMENT STAGE Category & CUT OFF MARKS
GENERAL OBC SC ST EWS Pw BD
Paper I cut off marks 38.33 38.33 31.33 31.33 38.33 31.33
Aggregate cut off marks for Paper 1,2 & 3 160 160 142.33 139 160 139
Aggregate cut off marks for written exam (All Papers) + Interview 212 196.17 186.5 No candidate

Shortlisted

for the interview phase

 188.33 No candidate shortlisted

for the interview phase

RBI Grade B Cut Off 2019: Prelims Cut Off

We have tabulated the category-wise cut-off for the RBI Grade B prelims 2019 cut-off released by RBI on its official website.

Section Category
GENERAL/UR EWS OBC SC ST PwBD
General Awareness (Maximum Marks = 80) 20.00 20.00 16.00 14.25 14.25 14.25
Reasoning (Maximum Marks = 60) 15.00 15.00 12.00 10.75 10.75 10.75
English Language (Maximum Marks = 30) 7.50 7.50 6.00 5.25 5.25 5.25
Quantitative Aptitude (Maximum Marks = 30) 7.50 7.50 6.00 5.25 5.25 5.25
Total Score/Aggregate (Maximum Marks = 200) 122.00 122.00 115.50 108.00 108.00 108.00

RBI Grade B Cut Off 2018: Prelims Cut Off

RBI Grade B prelims 2018 Cut off. Candidates can check category-wise and subject-wise sectional cut off.

Section Category
GENERAL/UR OBC SC ST PwBD
General Awareness 20.00 16.00 14.25 14.25 14.25
Reasoning 15.00 12.00 10.75 10.75 10.75
English Language 7.50 6.00 5.25 5.25 5.25
Quantitative Aptitude 7.50 6.00 5.25 5.25 5.25
Total Score/Aggregate 105.75 95.75 91.75 91.75 91.75

RBI Grade B Interview Batch

RBI Grade B DEPR, DSIM & Other Posts Cut Off Trends

Apart from the general posts, the RBI Grade B exam also includes specialized posts like DEPR (Department of Economic and Policy Research), DSIM (Department of Statistics and Information Management), and other positions. The cut-off marks for these posts differ from general posts due to variation in syllabus, difficulty level, and the number of candidates appearing.

DEPR Cut Off Trends: DEPR cut-offs are generally higher in the Phase-I exam due to the specialized nature of economics and finance-related questions. Past trends show that General category candidates usually need above 112 marks in Phase-I to qualify.

DSIM Cut Off Trends: DSIM candidates face a specialized statistics-based test. The Phase-I cut-off is usually lower than general posts, but aggregate cut-offs across Phase-I, Phase-II, and interview remain competitive.

Other Specialized Posts: For roles like officers in niche departments, cut-offs vary depending on the number of vacancies and candidate performance. Some posts may not have PwBD candidates qualifying due to limited reservations.

Factors Affecting RBI Grade B Cut Off Marks

The cut-off marks for the RBI Grade B exam are influenced by several key factors. Understanding these can help candidates set realistic targets and plan their preparation:

  • Difficulty Level of the Exam: The complexity of questions in Phase I and Phase II plays a major role. If the exam is tougher than previous years, the cut-off may be lower, and vice versa.
  • Number of Vacancies: The total number of available positions directly impacts the cut-off. Higher vacancies generally lead to a slightly lower cut-off, while fewer vacancies can push it higher.
  • Overall Performance of Candidates: The performance of all candidates appearing in the exam affects the cut-off. If a majority score high marks, the cut-off tends to increase.
  • Category of Candidates: RBI follows reservation norms, so cut-offs vary for different categories like General, OBC, SC, ST, and EWS.
  • Section-Wise Scores: RBI may set minimum qualifying marks for individual sections. Even if a candidate scores well overall, failing to meet section-wise minimums can affect selection.
  • Normalization Process: In case of multiple shifts or variations in difficulty across shifts, RBI may normalize scores, which can influence the final cut-off.
Related Articles
RBI Grade B Syllabus RBI Grade B Selection Process
RBI Grade B Preparation Strategy RBI Grade B Salary
RBI Grade B Previous Year Question Papers Is RBI Grade B Exam Difficult?
RBI Grade B Exam Date 2025
 RBI Grade B Mains Mock Test

Bank of Maharashtra Apprentice Recruitment 2026 Notification Out for 600 Posts

Bank of Maharashtra has released the Bank of Maharashtra Apprentice Recruitment 2026 Notification, announcing 600 apprentice vacancies under the Apprentices Act, 1961. The online application window will remain open till 25 January 2026. This recruitment is primarily aimed at fresh graduates who want to begin their careers in the banking sector through hands-on training.

Bank of Maharashtra Apprentice Recruitment 2026 Notification Out

Headquartered in Pune, Bank of Maharashtra is known for its consistent growth and strong profitability, making this opportunity especially valuable for banking exam aspirants. The one-year apprenticeship program offers candidates practical exposure in a reputed public sector bank with over 2,600 branches nationwide. The official detailed notification PDF and complete details are available on the bank’s website at bankofmaharashtra.bank.in.

Bank of Maharashtra Apprentice Recruitment 2026 Notification PDF

Bank of Maharashtra Apprentice 2026 Overview

The Bank of Maharashtra Apprentice Recruitment 2026 offers a valuable opportunity for fresh graduates to start their career in the banking sector through a one-year apprenticeship program. This program focuses on providing practical banking experience and skill development in a reputed public sector bank. The important details of the recruitment is given below.

Bank of Maharashtra Apprentice Recruitment 2026
Organization
Bank of Maharashtra
Recruitment Name
Bank of Maharashtra Apprentice 2026
Post Name Apprentice
Total Vacancies 600
Job Type
Apprenticeship (Training Program)
Application Mode Online
Application Period
15 January to 25 January 2026
Training Duration 1 Year
Monthly Stipend ₹12,300
Selection Process
Merit-Based, Document Verification, Medical Examination
Educational Qualification
A graduation in any discipline
Age Limit 20 to 28 years
Official Website
bankofmaharashtra.bank.in

BOM Apprentice Recruitment 2026: Important Dates

Bank of Maharashtra Apprentice Recruitment 2026 offers a great entry-level opportunity for fresh graduates to gain real banking experience through a one-year apprenticeship program. A total of 600 apprentice posts have been announced, with online applications invited for a limited period in January 2026.

Event Date
Short Notification Release 13 January 2026
Notification Release 14 January 2026
Online Application Start Date 15 January 2026
Last Date to Apply Online 25 January 2026
Apprenticeship Duration 1 Year

Bank of Maharashtra Apprentice Vacancy 2026

The Bank of Maharashtra has announced a total of 600 apprentice vacancies for the 2026 recruitment cycle. These vacancies are distributed state-wise and category-wise across various States and Union Territories. Candidates will be selected and trained in the state they apply for, subject to merit and bank requirements.

State / Union Territory
 Total Vacancies
Andhra Pradesh 11
Arunachal Pradesh 1
Assam 7
Bihar 15
Chandigarh 2
Chhattisgarh 13
Dadra & Nagar Haveli 1
Goa 6
Gujarat 25
Haryana 13
Himachal Pradesh 3
Jammu & Kashmir 3
Jharkhand 9
Karnataka 21
Kerala 13
Madhya Pradesh 45
Maharashtra 261
Mizoram 1
NCT of Delhi 12
Odisha 13
Puducherry 1
Punjab 15
Rajasthan 15
Tamil Nadu 21
Telangana 17
Tripura 1
Uttar Pradesh 34
Uttarakhand 7
West Bengal 14
Total 600

Bank of Maharashtra Apprentice 2026 Eligibility Criteria

Candidates applying for the Bank of Maharashtra Apprentice Recruitment 2026 must fulfil the prescribed educational qualification, age limit, and language proficiency requirements as mentioned in the official notification.

Educational Qualification:

Applicants must possess a Bachelor’s degree in any discipline from a UGC recognized university or institution. The degree should be completed on or before the cut-off date specified in the notification. Final-year students whose results are awaited are generally not eligible unless explicitly stated by the bank.

Age Limit (as per cut-off date):

The minimum age required is 20 years, while the maximum age limit is 28 years. However, age relaxation is applicable for candidates belonging to reserved categories as per government norms:

  • SC/ST: 5 years
  • OBC (Non-Creamy Layer): 3 years
  • Persons with Benchmark Disabilities (PwBD): As per applicable rules

Local Language Proficiency:

Candidates must have proficiency in the local language of Maharashtra, which includes the ability to read, write, and speak the language. This requirement must be supported by valid proof, such as having studied the local language as a subject in Class 10 or Class 12, evidenced through the relevant mark sheet or certificate.

BOM Apprentice 2026 Apply Online

Eligible candidates can apply online only for the Bank of Maharashtra Apprentice Recruitment 2026 through the official website. The online application window is open from 15 January to 25 January 2026. Applicants must complete the registration process by entering their basic details, uploading the required documents, and paying the applicable application fee within the stipulated time.

Are You Preparing for BOM Apprentice Exam??

Steps to Apply Online for Bank of Maharashtra Apprentice Recruitment 2026

Candidates must carefully fill out and verify the online application, as no changes will be allowed after final submission. Follow the steps given below:

  • Visit the official website: Bank of Maharashtra.
  • Go to Careers > Current Openings > Online Application for Engagement of Apprentices under the Apprentices Act, 1961 – Project 2026.
  • Click Apply Online to open the application form.
  • For new users, click “Click here for New Registration” and enter your name, contact details, and email ID.
  • Fill in the remaining application form and click Preview to verify details.
  • Upload Signature, Left Thumb Impression, and Hand-Written Declaration images as per instructions.
  • Pay the application fee through the online payment gateway.
  • Download and save the submitted application form for future reference.

BOM Apprentice 2026 Selection Process

Selection is merit-based, prepared state-wise using the Class 12 (HSC/10+2) or Diploma percentage. In case of a tie, older candidates are given preference. There is no written exam or interview. Shortlisted candidates must clear document verification to confirm eligibility.

Training Duration, Timing & Conditions for BOM Apprentice 2026

The Bank of Maharashtra Apprentice 2026 program is a structured, one-year training initiative designed to provide practical banking exposure under the Apprentices Act, 1961. Key details related to training duration, daily working hours, and conditions are outlined below:

  • Training Duration: 1 year
  • Training Timings: 10:00 AM to 5:00 PM (as per bank schedule)
  • Nature of Training: On-the-job practical training as per bank requirements
  • Hostel Facility: Not provided
  • Transport Facility: Not provided
  • Allowances: No additional allowances or benefits apart from the stipend
  • Job Guarantee: No assurance of employment after completion of the apprenticeship
  • Employment Status: Apprenticeship is not a regular job and does not create any right to claim employment

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Bank of Maharashtra Apprentice 2026 Application Fee

Candidates who want to apply for the Bank of Maharashtra Apprentice Recruitment 2026 must pay the application fee while submitting the online application form. The application fee is different for each category and should be paid only through online mode. Candidates must make sure that the payment is completed successfully, as applications without a fee payment will not be accepted by the bank. The application fee, once paid, is non-refundable under any circumstances. Category-wise application fee details are given in the table below:

Category Application Fee
UR / EWS / OBC ₹150 + GST
SC / ST ₹100 + GST
PwBD Exempted

Bank of Maharashtra Apprentice Salary 2026

Candidates selected for the Bank of Maharashtra Apprentice Recruitment 2026 will be paid a fixed monthly stipend during the apprenticeship period. The apprenticeship is for one year, and during this time, candidates will receive a stipend only. No extra allowances or benefits such as DA, HRA, medical facilities, or other perks will be provided. The stipend amount is the same for all apprentices and is paid every month for the duration of the training period.

Post Name
Monthly Stipend
Apprentice
₹12,300 per month

RBI Office Attendant Syllabus and Exam Pattern 2026, Subject Wise Topics

The Reserve Bank of India conducts the Office Attendant examination to recruit candidates for subordinate staff roles across its offices. For aspirants targeting the upcoming cycle, understanding the RBI Office Attendant Syllabus and Exam Pattern 2026 is a crucial step in preparation. A clear grasp of subject-wise topics and exam structure helps candidates focus on relevant areas and manage time effectively.

RBI Office Attendant Syllabus And Exam Pattern 2026

The RBI Office Attendant Notification 2026 follows a structured two-phase selection process designed to assess both academic aptitude and language skills. The first phase is an Online Examination that tests candidates on key areas, including Reasoning Ability, Numerical Ability, General Awareness, and English Language.

Based on performance in the online test, candidates are shortlisted for the second phase, the Language Proficiency Test (LPT), which checks their ability to read, write, and communicate effectively in the regional language of the state they have applied for.

  • Online Written Examination
  • Language Proficiency Test (LPT)

RBI Office Attendant Selection Process 2026

The RBI Office Attendant 2026 exam is conducted by the Reserve Bank of India to recruit candidates for the post of Office Attendant in its various offices. The selection is done in two stages.

  • Online Test – This is a computer-based test to check candidates’ reasoning, numerical ability, general awareness, and English skills.
  • Language Proficiency Test (LPT) – Candidates who pass the online test must qualify in the LPT to prove their knowledge of the regional language of the applied state.
  • Final selection is based on online test marks and qualifying for the LPT.

RBI Office Attendant Syllabus 2026

The RBI Office Attendant Syllabus 2026 outlines the key subjects and topics that candidates must prepare for the online written examination. The syllabus is designed to test a candidate’s basic aptitude, language proficiency, numerical skills, and awareness of current events and general knowledge. A thorough understanding of the subject-wise syllabus will help aspirants plan their preparation effectively, prioritize important topics, and improve their overall performance in the examination.

RBI Office Attendant Syllabus 
Subject Topics
Reasoning Ability
  • Linear Arrangement
  • Circular Arrangement
  • Floor Puzzles
  • Scheduling
  • Inequality
  • Syllogism
  • Coding–Decoding
  • Machine Input–Output
  • Data Sufficiency
  • Blood Relations
  • Ordering and Ranking
  • Arrangement and Ranking
  • Distance and Direction
  • Alphabet Test
  • Number Series
  • Verbal Reasoning
General English
  • Reading Comprehension
  • Cloze Test
  • Fill in the Blanks
  • Spotting Errors
  • Sentence Improvement
  • Para Jumbles
  • Idioms and Phrases
  • Synonyms
  • Antonyms
  • Grammar
  • Vocabulary
  • Sentence Framing
  • Passage Making
General Awareness
  • Current Affairs (India & Global)
  • Static GK
  • Political Science
  • History
Numerical Ability
  • Simplification
  • Approximation
  • Number Serie
  • Data Interpretation
  • Percentages
  • Profit & Loss
  • Simple & Compound Interest
  • Time & Work
  • Time, Speed & Distance
  • Averages
  • Ratios & Proportion
  • Problem on Ages
  • Partnership
  • Mixture & Alligation
  • Quadratic Equation
  • Miscellaneous Questions

pdpCourseImg

RBI Office Attendant Language Proficiency Test

Candidates must demonstrate their ability to read, write, and speak the prescribed regional language, as it is essential for day-to-day duties and interaction at the workplace. The table below outlines the recruitment offices along with their corresponding local languages applicable for the LPT. The table below provides candidates with the state-wise syllabus for the RBI Office Attendant Language Proficiency Test.

RBI Office Attendant Language Proficiency Test
Recruitment Office Local Language
New Delhi Hindi
Mumbai Marathi / Konkani
Chennai Tamil
Kolkata Bengali / Nepali
Bengaluru Kannada
Hyderabad Telugu
Ahmedabad Gujarati
Jaipur Hindi
Chandigarh Punjabi / Hindi
Kanpur & Lucknow Hindi
Bhopal Hindi
Patna Hindi / Malayalam
Nagpur Marathi / Hindi
Thiruvananthapuram & Kochi Malayalam
Bhubaneswar Odia
Guwahati Assamese / Bengali / Khasi / Manipuri / Bodo / Mizo / English
Jammu Urdu / Hindi / Kashmir

RBI Office Attendant Exam Pattern 2026

Candidates who are preparing for the upcoming RBI Office Attendant Exam 2026 must be familiar with the RBI Office Attendant Exam Pattern 2026 to make the right preparation plan.

  • The RBI Office Attendant Exam will be conducted in Online CBT (Computer-Based Test) mode.
  • The question paper will consist of Objective Type Multiple Choice Questions (MCQs).
  • Negative marking is applicable, with 1/4th OR 0.25 mark deducted for each incorrect answer.
RBI Office Attendant Exam Pattern 2026
Subjects No. of Questions Marks Language Duration
Reasoning 30 30 English and Hindi 90 minutes
General English 30 30 English Only
General Awareness 30 30 English and Hindi
Numerical ability 30 30 English and Hindi
Total 120 120 – 90 minutes

Bank Mahapack

RBI Office Attendant Exam Pattern 2026: Language Proficiency Test

While the application process was going on, candidates were required to fill their preferred state and the language they are most comfortable with. Based on the language selected by candidates, RBI will conduct its Language Proficiency Test in the following format.

  • Exam Pattern: The written test will include approximately 40–50 objective-type multiple-choice questions.
  • Marking Scheme: Each question carries one mark in the written examination.
  • Difficulty Level: The paper is usually of an easy to moderate level, particularly for candidates who are proficient in the local language.
  • Topics Covered: Preparation should focus on Grammar, Vocabulary, Reading Comprehension, and Sentence Construction.
  • Spoken Examination: There is a spoken examination where candidates are interviewed and evaluated on their ability to speak the state’s official language.
Related Post
RBI Office Attendant Salary RBI Office Attendant Cut Off
RBI Office Attendant Previous Year Paper

IBPS PO Previous Year Question Papers With Solution PDFs

The IBPS PO Exam 2026 dates have been officially announced, giving aspirants a clear timeline to plan their preparation. To stay ahead, candidates can refer to the IBPS PO Previous Year Question Papers with Solutions, which are an excellent resource for understanding the exam pattern, identifying frequently asked topics, and assessing question difficulty.

IBPS PO Previous Year Question Paper

Going through previous year question papers is a key strategy for aspirants preparing for the IBPS PO 2026 exam. Practicing these papers allows candidates to evaluate their preparation, identify weak areas, and improve accuracy. Additionally, regular practice helps in mastering time management, building exam temperament, and boosting confidence, giving aspirants a clear edge for the upcoming attempt.

Also Read, IBPS Calendar 2026

IBPS PO Prelims Previous Year Question Paper with Solutions

Using IBPS PO Prelims Previous Year Question Papers with Solutions is a highly effective strategy to strengthen your exam preparation. These papers cover all major sections English Language, Quantitative Aptitude, and Reasoning Ability helping candidates understand which topics are most frequently tested. To make preparation easier, we have provided the IBPS PO Prelims Previous Year Question Papers with Solutions PDFs below, allowing aspirants to download and practice them anytime for better accuracy and confidence.

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IBPS PO 2025 Prelims Question Year Paper

The IBPS PO Prelims Exam has recently been conducted, and just like the previous years, the difficulty level remained almost the same. For candidates who are preparing to appear in the upcoming exams or those who wish to revisit the type of questions asked, we have compiled the IBPS PO Memory-Based Question Paper. You can access the PDFs below to practice and strengthen your preparation for the upcoming attempts.

IBPS PO Prelims Question Paper 2025
Exam English Hindi
IBPS PO Prelims Previous Year Paper 2025 (23rd August, 1st Shift) Download Now Download Now
IBPS PO Prelims Previous Year Paper 2025 (24th August, 1st Shift) Download Now Download Now

IBPS PO 2024 Prelims Question Year Paper

Candidates can download the PDFs of the IBPS PO Previous year question paper of 2024, which also includes the solutions.

IBPS PO 2024 Prelims Question Paper 2024
Exam Question with Solution PDF
IBPS PO Prelims Previous Year Paper 2024 English Language
Quantitative Aptitude
Reasoning Ability

IBPS PO 2023 Prelims Question Paper

The following link will provide the IBPS PO Previous Year question paper with solutions for the year 2023.

IBPS PO Previous Year Question Paper 2023
Exam Question with Solution PDF
IBPS PO Prelims Previous Year Paper 2023 Download Questions With Solutions

19th January, 2026 Current Affairs (Daily GK Update)_48.1

IBPS PO 2022 Prelims Question Paper

Candidates can download the IBPS PO Previous Year Paper 2022 from the following table.

IBPS PO Previous Year Question Paper 2022
Exam PYP PDF
IBPS PO Pre 2022 (15th October)- Mock 02 Download PDF
IBPS PO Pre 2022 (15th October)- Mock 02 (Hindi) Download PDF
IBPS PO Pre 2022 (15th October)- Mock 03 Download PDF
IBPS PO Pre 2022 (15th October)- Mock 03 (Hindi) Download PDF
IBPS PO Pre 2022 (15th October)- Mock 04 Download PDF
IBPS PO Pre 2022 (15th October)- Mock 04 (Hindi) Download PDF
IBPS PO Pre 2022 (16th October)- Mock 05 Download PDF
IBPS PO Pre 2022 (16th October)- Mock 05 (Hindi) Download PDF
IBPS PO Pre 2022 (16th October)- Mock 06 Download PDF
IBPS PO Pre 2022 (16th October)- Mock 06 (Hindi) Download PDF
IBPS PO Pre 2022 (16th October)- Mock 07 Download PDF
IBPS PO Pre 2022 (16th October)- Mock 07 (Hindi) Download PDF
IBPS PO Pre 2022 (16th October)- Mock 08 Download PDF
IBPS PO Pre 2022 (16th October)- Mock 08 (Hindi) Download PDF

IBPS PO 2021 Prelims Question Paper

Candidates can download the IBPS PO Previous Year Paper 2021 from the following table.

IBPS PO Previous Year Question Paper 2021
Exam Question PDF Solution PDF
IBPS PO Prelims Previous Year Paper 2021 Download Questions Download Solutions
IBPS PO Mains Previous Year Paper 2021 Download Questions & Solutions

IBPS PO 2020 Prelims Question Paper

The difficulty level of the IBPS PO Prelims Exam 2020 was moderate-difficult. Candidates can practice the IBPS PO 2020 Prelims Paper and analyze their performance with the answer PDF.

IBPS PO Previous Year Question Paper 2020
Exam  Question PDF Solution PDF
IBPS PO Prelims Previous Year Paper 2020 Download Questions Download Solutions

IBPS PO 2019 Question Paper

In 2019, the paper was easy to moderate level. The English section was lengthy in some of the shifts.

IBPS PO Prelims Previous Year Question Paper 2019
Subject Question PDF Solution PDF
English Language Download Now Download Now
Quantitative Aptitude Download Now Download Now
Reasoning Ability Download Now Download Now

IBPS PO 2018 Prelims Question Paper

IBPS PO exam 2018 was of a moderate level. Sections were doable but lengthy. You can check the complete analysis to get a clear idea about the IBPS PO exam analysis 2018 by downloading the PDF given below:

IBPS PO Prelims Previous Year Paper 2018
Subject Question PDF Solution PDF
English Language Download Now Download Now
Quantitative Aptitude Download Now Download Now
Reasoning Ability Download Now Download Now

IBPS PO 2017 Prelims Question Paper

The preliminary exam for IBPS PO was of a moderate to difficult level. A new question from error detection was asked in the English section. There were two DI in the quant section reasoning was of Moderate level.

IBPS PO Prelims Previous Year Paper 2017
Subject Question PDF Solution PDF
English Language Download Now Download Now
Quantitative Aptitude Download Now Download Now
Reasoning Ability Download Now Download Now

IBPS PO 2016 Prelims Question Paper

That year the paper was of moderate level. There were 2 seating arrangements and 2 puzzles in reasoning. No Fillers were asked in English Language and Quantitative Aptitude was of Easy-Moderate level.

IBPS PO Prelims Previous Year Paper 2016
Subject Question PDF Solution PDF
English Language Download Now Download Now
Quantitative Aptitude Download Now Download Now
Reasoning Ability Download Now Download Now

IBPS PO Mains Previous Year Question Paper

Once candidates clear the IBPS PO Prelims 2026, they will move on to the Mains stage, which demands a deeper understanding of concepts and a more focused preparation strategy. Consistent practice, smart revision, and thorough coverage of all key topics will be crucial for building a strong foundation.

By following a disciplined study plan, aspirants can strengthen weak areas, enhance problem-solving skills, and boost their overall readiness for the upcoming IBPS PO Mains 2026 exam.

IBPS PO 2024 Mains Question Paper

IBPS PO Mains Previous Year Question Paper 2024
IBPS PO Mains Previous Year Paper 2024 With Solutions Download Questions and Solutions

IBPS PO 2023 Mains Question Paper

Candidates can download the IBPS PO Mains Question Paper with solutions for year 2023.

IBPS PO Mains Previous Year Question Paper 2023
IBPS PO Mains Previous Year Paper 2023 With Solutions Download Questions & Solutions

IBPS PO 2022 Mains Question Paper

IBPS PO Mains Question Paper for 2022 is given below in the following table with solutions.

IBPS PO Mains Previous Year Question Paper 2022
IBPS PO Mains Previous Year Paper 2022 With Solutions Download Questions & Solutions

IBPS PO 2020 Mains Question Paper

The direct link to download the questions as well as the solutions PDF of IBPS PO Mains 2020 has been provided in the below table.

IBPS PO Mains Previous Year Question Paper 2020
IBPS PO Mains Previous Year Question Paper 2020 Questions PDF
IBPS PO Mains Previous Year Question Paper 2020 Solutions PDF

IBPS PO 2019 Mains Question Paper

Here, you can download IBPS PO Mains Previous Year Paper of 2019. Analyze the types of questions asked in 2019 carefully.

IBPS PO Mains Previous Year Question Paper 2019
IBPS PO 2019 Mains Previous Year Question Paper Questions PDF
IBPS PO 2019 Mains Previous Year Question Paper Solutions PDF

IBPS PO 2018 Mains Question Paper

The level of the exam was difficult and lengthy. Out of all the subjects asked in the exam, Data interpretation and analysis were lengthy and calculative, and there were many new pattern-based questions in the English Section however they were doable if one read the directions carefully.

IBPS PO Mains Previous Year Paper 2018
Subject Question PDF Solution PDF
English Language Download Now Download Now
Quantitative Aptitude Download Now Download Now
Reasoning Ability Download Now Download Now
General Awareness Download Now Download Now

IBPS PO 2017 Mains Question Paper

Overall the exam was of a Difficult Level. There were no questions about computer aptitude. Many new types of questions were introduced in the reasoning and English section. Students found the reasoning section to be challenging and in such a scenario accuracy is the key to cracking the exam.

IBPS PO Mains Previous Year Paper 2017
Subject Question PDF Solution PDF
English Language Download Now Download Now
Quantitative Aptitude Download Now Download Now

IBPS PO 2016 Mains Question Paper

That year the Main paper was of a Difficult level. 4 seating arrangements and puzzles were there in the reasoning section. English Language and Quantitative Aptitude were of Moderate to Difficult level.

IBPS PO Mains Previous Year Paper 2016
Subject Question PDF Solution PDF
English Language Download Now Download Now
Quantitative Aptitude Download Now Download Now
Reasoning Ability Download Now Download Now

IBPS PO Mains Exam Analysis 2025, 12th October 2025

IBPS PO Previous Years Question Paper Analysis Phase 1

Analysis of IBPS PO Previous Years Question Papers Analysis Phase 1 offers valuable insights into the exam pattern, the number of questions from a particular topic, and the level of difficulty. It shall aid the candidates in getting insights about the weightage of topics that appeared in the exam at the preliminary level.

IBPS PO Previous Years Question Analysis Prelims
Section Topics 2024 2023 2022 2021 2020
Reasoning Ability
 Puzzle & Seating Arrangements 23 22 18 22 20
Syllogism 3 3 04 04 03
Inequality – 4 4 3 5
Direction Sense 3 3 3 3 1
Coding Decoding – – 0 0 5
Number Based Coding – 1 0 1 0
Word Pair, Meaningful Word – 2 2 2 0
Odd One Out 1 – 1 0 0
Blood Relation 3 – 3 0 1
Chinese Coding 1 – – – –
Number Pairing 1 – – – –
Total 35 35 35 35 35
Quantitative Aptitude Data Interpretation 10 12 10 10 10
Caselet DI – – 5 5 5
Approximation 5 – 0 0 5
Quadratic Equation – 5 5 5 5
Number Series 5 5 5 5 0
Arithmetic Word Problems 10 13 10 10 10
Quantity Comparison 5 – – – –
Total 30 35 35 35 35
English Language Reading Comprehension 8 8 9 10 8
Word Rearrangement – – 3 5 4
Sentence Based Error – – 5 0 0
Error Detection/ Sentence Improvement 5 5 0 5 5
Word Swap 4 3 3 0 0
Phrase Replacement 5 3 3 0 0
Find the Correct Sentence – – 0 0 4
Fillers – 3 2 0 0
Cloze Test 6 – 0 5 5
Sentence Rearrangement – 5 5 5 4
Word Usage 2 3 – – –
Total 30 30 30 30 30

IBPS PO Previous Year Paper Practice Strategy

Practicing IBPS PO previous year papers is one of the most effective ways to strengthen exam preparation. It gives a realistic understanding of the exam structure, difficulty level, and commonly asked question types. Attempting these papers regularly also helps improve speed, accuracy, and time management. Here the points that how how to Practice IBPS PO Previous Year Papers:

  • Simulate the real exam: Solve the paper in a timed manner to replicate exam conditions.
  • Analyze mistakes: Review incorrect answers and understand why you went wrong.
  • Identify weak areas: Focus more on sections where accuracy is low or time consumption is high.
  • Track progress: Compare scores across different papers to measure improvement.
  • Revise concepts: Go back to theory and practice more questions for topics you struggle with.
  • Re-attempt papers: Solve the same papers again after a gap to strengthen retention and reduce errors.
  • Balance speed and accuracy: Prioritize attempting maximum questions correctly instead of rushing through.

How can we Attempt the IBPS PO Memory-Based Question Paper?

Attempting the IBPS PO memory-based question paper requires a systematic approach to effectively tackle the varied sections and questions. Here’s a step-by-step guide:

  1. Understand the Exam Pattern: Familiarize yourself with the structure of the exam, including the number of sections, types of questions, and marking scheme.
  2. Read Instructions Carefully: Before starting the exam, carefully read all instructions provided to avoid any confusion during the test.
  3. Manage Your Time Effectively: Allocate time for each section based on its weightage and your proficiency level. Keep track of the time during the exam and ensure you don’t spend too much time on any single question.
  4. Start with Easy Sections: Begin with sections you are most comfortable with to build confidence and momentum for the rest of the exam.
  5. Manage Stuck Situations: If you get stuck on a question, don’t waste too much time on it. Move on to the next question and return to it later if time permits.
  6. Utilize Rough Space: Utilize the provided rough space for calculations or to jot down important points while solving questions.
  7. Focus on Accuracy: Answer questions sequentially, focusing on accuracy rather than speed to avoid making unnecessary mistakes.
  8. Review Your Answers: Before submitting your answer sheet, review all your answers to ensure you have attempted all questions and haven’t made any errors.

Why Practicing IBPS PO Previous Year Papers is Important

Practicing IBPS PO Previous Year Papers is one of the most effective ways to boost your preparation. By solving them, aspirants can evaluate their speed, accuracy, and time-management skills in a real exam-like environment. Moreover, analyzing past papers gives a clear idea about the difficulty level of different sections, helping candidates refine their strategy for the actual exam.

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Federal Bank Office Assistant Exam Date 2026 Out, Check Selection process and Exam Pattern

The Federal Bank has notified the Federal Bank Office Assistant Exam Date 2026, bringing clarity for candidates preparing for this recruitment. The examination is scheduled to be held on 01 February 2026, giving aspirants a fixed timeline to finalize their preparation. The selection process includes a Centre Based Online Aptitude Test followed by Document Verification, making it a straightforward and transparent recruitment procedure. This announcement allows candidates to plan revisions and exam strategy more effectively.

Federal Bank Office Assistant Exam Date 2026 Out

The Centre-Based Online Aptitude Test will be conducted on 01 February 2026 across designated exam centres. This test will assess candidates on aptitude-based subjects relevant to the Office Assistant role. Candidates who qualify in the online test will be called for document verification as the next stage. With the exam date now confirmed, aspirants should focus on practising mock tests and revising core concepts to perform confidently on the exam day.

Federal Bank Office Assistant Recruitment 2026: Overview

Candidates selected as Office Assistants will have to complete an 8-month probation period. Interested candidates can apply online within the given registration dates through the official website of Federal Bank.

Federal Bank Office Assistant Recruitment 2026
Conducting Body Federal Bank
Post Name Office Assistant
Registration Dates 30 December 2025 to 8 January 2026
Educational Qualification 10th Pass (Graduates not eligible)
Age Limit 18 to 20 years
Probation Period 8 Months
Selection Process Online Aptitude Test & Document Verification
Official Website www.federal.bank.in

Federal Bank Office Assistant Notification 2026

Federal Bank Office Assistant recruitment is a good opportunity for young aspirants who have completed their 10th standard and are looking to start a career with a reputed private sector bank. Federal Bank has outlined detailed information regarding age limits, educational qualifications, salary structure, selection stages, and exam pattern. Candidates are advised to go through all instructions carefully before submitting the application form to avoid rejection at later stages.

Federal Bank Office Assistant Recruitment 2026: Notification PDF

Federal Bank Office Assistant 2026 Apply Online Link

The Federal Bank Office Assistant Recruitment 2026 apply online link has been closed on 11 January 2026 on the official Federal Bank website. After successful submission, it is recommended to download and save the application form for future reference.

Federal Bank Office Assistant Recruitment 2026: Click here to Apply Online (Registration Over)

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Federal Bank Office Assistant Eligibility Criteria 2026

Candidates must fulfil both the educational qualification and age criteria as prescribed by the bank. Eligibility is calculated as of 01 December 2025, and applications from ineligible candidates will not be considered.

Educational Qualification (As on 01 December 2025)

  • Candidates must have passed 10th Standard or equivalent examination.
  • Candidates must not have passed Graduation at the time of application.
  • Those who have completed or are pursuing graduation are NOT eligible for this recruitment.

Age Limit (As on 01 December 2025)

Minimum Age: 18 years

Maximum Age: 20 years

Candidates should be born between 01.12.2005 and 01.12.2007 (both dates inclusive).

Age Relaxation

  • Upper age relaxation of up to 5 years is applicable for eligible categories. Such candidates should be born between 01.12.2000 and 01.12.2007 (both dates inclusive).
  • Candidates who have previously served or are serving as temporary Office Assistant, Bankman, Driver, or Caretaker in any branch or office of Federal Bank and were empanelled on or before 01.12.2025.
  • Candidates belonging to SC / ST categories.

Federal Bank Office Assistant Application Fees 2026

Candidates must pay the application fee online while submitting the form. Fee once paid is non-refundable.

Category Application Fees
General / Others 500
SC / ST 100

Steps to Apply Online for Federal Bank Office Assistant 2026

Candidates can complete the application process smoothly by following the steps given below in the correct order.

  • Visit the official careers page of Federal Bank at www.federal.bank.in/careers and click on the option “Explore Opportunities” or “Join Our Team” to access the recruitment section.
  • Click on the “Apply” button to begin the online registration process for the Office Assistant post.
  • Enter a valid Email ID and Mobile Number, which will remain your registered contact details throughout the recruitment process, and click on “Send OTP” to receive verification credentials.
  • Validate your registration by entering the OTP received on your registered Email ID or Mobile Number to move to the application form.
  • Fill in all required personal, academic, experience, and other relevant details accurately in the registration portal, ensuring that no mandatory field is left incomplete.
  • Review all the entered information carefully and make corrections if needed, as changes will not be allowed after final submission.
  • Click on the “I Agree” button only after verifying every detail, since no modification requests will be entertained once this option is selected.
  • Upload your recent photograph and signature strictly as per the prescribed format and size specifications mentioned in the notification.
  • After selecting the correct files, click on the “Upload” button and wait for the confirmation message indicating successful upload of documents.
  • Verify the application fee details displayed on the screen and proceed to the payment gateway to complete the fee payment process.
  • Once the registration and payment steps are completed, check your registered Email ID to confirm the application status through the automated confirmation mail.
  • A Personal Data Form, generated based on the information entered during registration, will be sent to your registered Email ID for future reference and record keeping.

Federal Bank Office Assistant Selection Process 2026

The selection process is designed to assess aptitude, basic knowledge, and suitability for the role. Federal Bank reserves the right to modify the selection mode if required.

  • Centre Based Online Aptitude Test
  • Personal Interview

Note: Candidates must qualify each stage to proceed to the next phase of the recruitment process.

Federal Bank Office Assistant Exam Pattern 2026

The Online Aptitude Test will be conducted in English medium and will consist of objective-type multiple-choice questions. The exam focuses on basic aptitude and computer awareness. Key Exam Details:

Mode: Online

Duration: 60 minutes (composite time)

Negative Marking: No negative marking

Selection No. of Qs. Max. Marks
Computer Knowledge 15 15
English 15 15
Logical Reasoning 15 15
Mathematics 15 15
Total 60 60

Federal Bank Office Assistant Salary

The salary structure offered to Office Assistants ensures financial stability along with long-term benefits. The pay scale also allows steady growth through increments.

  • Starting Basic Pay: ₹19,500
  • Pay Scale: ₹19500-665/4-22160-830/5-26310-990/4-30270-1170/3-33780-1345/3-37815
  • 11 stagnation increments applicable after reaching the maximum scale.
  • In addition to salary, selected candidates will receive the following benefits:
  • Coverage under the National Pension Scheme (NPS)
  • Gratuity benefits as per applicable rules
  • Medical insurance for self and dependents
  • Loans at concessional interest rates
  • Other benefits, as per bank policies, from time to time
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