SBI PO Salary 2026, Check New CTC, Perks, and Benefits

A career as an SBI Probationary Officer offers a competitive compensation package along with several employment benefits. Apart from the basic pay of ₹56,480, officers receive different components of remuneration as per the applicable rules. The overall take-home amount is influenced by factors such as allowances, deductions, and the location of posting, making the actual monthly credit different for individual officers.

SBI PO Salary 2026

The SBI PO position comes with a structured compensation package designed to provide financial benefits throughout the officer’s service. Along with regular salary components, eligible officers receive various perks and facilities as per SBI norms. At the entry level, the annual Cost to Company is around ₹21.97 lakh, while the actual benefits received can vary based on the applicable rules and place of posting.

SBI PO Salary Overview 2026

The pay scale and SBI PO Salary components should be verified with the latest official SBI recruitment notification or circular before publication.

Particulars Details
Organization State Bank of India
Post Probationary Officer (PO)
Grade Junior Management Grade Scale-I
Officer Pay Scale ₹48,480–₹2,000/7–₹62,480–₹2,340/2–₹67,160–₹2,680/7–₹85,920
Starting Basic Pay ₹56,480
Advance Increments 4
Estimated Gross Monthly Salary Approximately ₹97,590*
Estimated In-Hand Salary Approximately ₹84,882*
Annual CTC Approximately ₹21.97 lakh*

SBI PO In-Hand Salary 2026

The SBI PO in-hand salary is estimated at around ₹84,882 per month under the salary and deduction structure considered for this calculation. It is lower than the gross salary because deductions such as employee contributions and other applicable recoveries are made from the monthly earnings.

SBI PO Salary Structure 2026: Gross Salary, Deductions and In-Hand Salary

The SBI PO Salary Slip 2026 provides a detailed breakdown of the monthly earnings and deductions of a Probationary Officer. As per the March 2026 salary slip, the total gross earnings are ₹97,590, while the total listed deductions amount to ₹12,708. After these deductions, the take-home pay is ₹84,882. The salary includes basic pay after four advance increments, Dearness Allowance, Special Allowance, HRA and other applicable allowances. The approximate annual CTC at the Mumbai centre is ₹21.97 lakh.

Salary Component Amount (₹)
Earnings
Basic Salary (after four advance increments) 56,480
Dearness Allowance (DA) 18,074.30
Special Allowance 14,967.20
House Rent Allowance (HRA) 4,518.40
Location Allowance 1,200
Learning Allowance 850
Closing Allowance 1,500.00
Total Gross Earnings 97,590.00
Deductions
Employee PF Contribution 5,648.00
Contributory Pension Fund 7,060.00
Total Deductions 12,708.00
Monthly Take-Home Pay 84,882
Approximate Annual CTC at Mumbai Centre ₹21.97 lakh

Note: The official starting basic pay is ₹48,480, plus four advance increments of ₹2,000 each, resulting in an effective initial basic pay of ₹56,480. The annual CTC is different from the monthly gross salary and take-home pay.

SBI PO Monthly Salary Deductions

The gross salary is not the same as the amount received in the bank account. Applicable employee contributions and other deductions are adjusted before the final salary is credited.

Deduction Amount (₹)
Employee PF Contribution 5,648
Contributory Pension Fund 7,060
Total Deductions 12,708
Estimated In-Hand Salary 84,882

SBI PO Salary Slip 2026

The SBI PO Salary Slip 2026 gives candidates an overview of the monthly earnings and deductions applicable to a newly appointed Probationary Officer. It includes the basic salary, various allowances, statutory deductions, and the estimated in-hand salary, helping aspirants understand the overall monthly payout after deductions.

SBI PO Salary Slip

SBI PO Salary Increment and Pay Progression 2026

SBI PO officers receive regular increments in their basic pay as they progress through the prescribed pay scale. The basic salary increases at different stages, with the increment amount varying as per the applicable pay structure.

Stage Basic Pay (₹) Increment (₹)
Pay Scale Starting Point 48,480 —
After 1st Increment 50,480 2,000
After 2nd Increment 52,480 2,000
After 3rd Increment 54,480 2,000
After 4th Increment / Starting Basic for SBI PO 56,480 2,000
Subsequent Stage 58,480 2,000
Subsequent Stage 60,480 2,000
After 7 Years 62,480 2,000
After 9 Years 67,160 2,340
Final Stage 85,920 2,680

SBI PO Allowances and Benefits 2026

In addition to basic pay, SBI Probationary Officers receive various allowances and employee benefits. The actual amount or eligibility may depend on the officer’s posting location, cadre, applicable SBI rules and prevailing rates.

Major SBI PO Allowances

  • Dearness Allowance (DA): Revised periodically according to the applicable banking-sector settlement and SBI rules.
  • House Rent Allowance (HRA): Provided according to the officer’s posting location and applicable HRA rules.
  • City Compensatory Allowance (CCA): Applicable according to the location and prevailing bank rules.
  • Special Allowance: Payable as per the applicable salary structure.
  • Learning Allowance: Provided as applicable to officers.
  • Location-related Allowances: May vary according to the place of posting and applicable rules.

SBI PO Benefits

Apart from salary and allowances, SBI POs may receive several employee benefits, including:

  • Medical and health insurance benefits
  • Leave and travel-related benefits
  • Concessional loan facilities
  • Pension/NPS-related benefits
  • Newspaper and other eligible allowances
  • Reimbursement of eligible official expenses

Does Posting Location Matter?

Yes. The salary components of an SBI PO can vary depending on the place of posting. Allowances such as HRA and certain location-related benefits may differ according to the city or area where the officer is posted. As a result, two SBI POs with the same basic pay may receive different gross or in-hand salaries.

SBI PO Salary During Probation

After joining SBI as a Probationary Officer, candidates undergo the required probation and training period. The salary during this phase is based on SBI’s applicable rules and may vary due to different factors.

  • Salary: Paid as per the applicable SBI pay structure.
  • Allowances: May vary depending on the posting location.
  • Deductions: Taxes and other applicable deductions affect the final amount.
  • In-Hand Salary: The exact amount may differ from the estimated ₹84,882 figure.

SBI PO Salary: Is the Job Worth It?

The SBI PO position offers more than a fixed monthly salary, as officers receive various allowances, benefits, and opportunities for career progression. The combination of starting pay, regular increments, and promotion prospects makes it a strong option for candidates planning a long-term career in banking.

Key reasons to consider SBI PO:

  • Attractive Starting Pay: The basic pay starts at ₹56,480, along with applicable allowances.
  • Good Overall Package: The annual CTC at the entry level is approximately ₹21.97 lakh.
  • Regular Salary Growth: Officers receive increments as they progress through the prescribed pay scale.
  • Career Progression: SBI provides opportunities to move to higher positions through its promotion structure.
  • Employee Benefits: Officers may receive medical, leave, loan, travel, and other benefits as per applicable SBI rules.
  • Job Stability: SBI PO offers a structured career path within one of India’s major public sector banks.

SBI PO Salary Gross vs In-Hand vs CTC

SBI PO salary has different components, and each figure represents a different part of the overall compensation. Candidates should understand the difference between basic pay, gross salary, in-hand salary, and CTC before comparing the figures.

  • Basic Pay: ₹56,480 is the starting basic salary of an SBI PO.
  • Gross Salary: Includes basic pay along with applicable allowances before deductions.
  • In-Hand Salary: The approximate amount received after applicable deductions.
  • Annual CTC: Represents the overall yearly cost of the employee to the bank, including applicable salary components and benefits.
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NICL AO Notification 2026 Out for 321 Administrative Officer Post, Apply Online Start on 8 October

The National Insurance Company Limited (NICL) has announced the NICL AO Recruitment 2026 to fill 321 vacancies for Administrative Officer (AO) Scale I posts in Generalist and Specialist streams. Interested and eligible candidates can submit their applications online through the official NICL website until 28 October 2026.

NICL AO Notification 2026 Out

The selection process for NICL AO Recruitment 2026 includes Phase I (Prelims), Phase II (Mains), and a final Interview. The preliminary examination is scheduled for 17 November 2026 followed by the mains examination on 22 December 2026. Candidates should review the official notification carefully for details regarding vacancies, eligibility criteria, application fees, exam pattern, and other important recruitment guidelines before applying.

NICL AO Recruitment 2026: Notification PDF

Are You Preparing For NICL AO 2026??

Note: In a major update this year, AO in NICL starting basic pay has been increased to Rs. 82,485, making the revised salary structure more attractive for candidates. The total monthly emoluments are approximately Rs. 1,14,000 in Metropolitan Centres, subject to the rules applicable from time to time.

NICL Administrative Officer Recruitment 2026: Overview

Particulars Details
Organisation National Insurance Company Limited (NICL)
Post Name Administrative Officer (AO) Scale-I
Recruitment NICL AO Recruitment 2026
Total Vacancies 321
Specialist Disciplines Finance, Legal, Information Technology, Automobile Engineering, Risk Engineering, Company Secretary, Agriculture
Application Mode Online
Age Limit 21 to 30 years
Age As On 1 October 2026
Educational Qualification Graduation/discipline-specific qualification as prescribed for the respective post
Selection Process Phase-I Online Examination → Phase-II Online Examination → Interview
Salary ₹1,14,000 per month (approximately)
Job Location All India
Official Website nationalinsurance.nic.co.in/

NICL AO 2026: Important Dates

Candidates should keep track of the following important dates for the recruitment process.

Events Dates
NICL AO Notification 2026 7 October 2026
Online Registration Begins 8 October 2026
Last Date to Apply Online 28 October 2026
Phase-I Online Examination 17 November 2026
Phase-II Online Examination 22 December 2026

NICL AO Vacancy 2026 Out

NICL has announced a total of 321 vacancies for Administrative Officer Scale-I posts. Out of these, 200 vacancies are for Generalist officers, while 121 vacancies are available for various specialist disciplines.

Discipline Vacancies
Finance (CA & CMA) 20
Legal 20
Information Technology 11 (including backlog)
Automobile Engineers 20
Risk Engineers 28
Company Secretaries 2
Agriculture 20
Total Specialist 121
Generalist 200
Total Vacancies 321

Note: Candidates must note that they can apply for only one discipline. If multiple applications are submitted, only the latest valid completed application will be retained, while the fee paid for other registrations will be forfeited.

NICL AO Exam Date 2026 Out

The NICL AO Phase-I Exam 2026 is scheduled for 17 November 2026, while the Phase-II Exam 2026 is scheduled for 22 December 2026. Candidates should start their preparation alongside the application process rather than waiting for the Phase-I admit card.

NICL AO 2026: Who Should Apply?

The recruitment provides opportunities for candidates from both general and specialized academic backgrounds. Candidates with the required qualifications can consider the post based on their discipline.

  • Generalist candidates can apply for the 200 Generalist vacancies if they meet the prescribed eligibility conditions
  • Finance professionals with the required CA/CMA qualification can apply for Finance posts.
  • Candidates from Law, IT, Automobile Engineering, Risk Engineering, Company Secretary, and Agriculture backgrounds can apply for the respective specialist posts.
  • Candidates should check the detailed eligibility criteria before selecting a discipline.

NICL AO Eligibility Criteria 2026

Candidates must fulfill the prescribed age limit and educational qualification to apply for the NICL AO Recruitment 2026. The eligibility criteria differ for the Generalist and Specialist posts. The key details are given below.

Educational Qualification

The educational qualification for NICL AO Recruitment 2026 varies by discipline. Candidates must possess the prescribed qualification from a recognised university or institution, and the result must have been declared on or before 1 October 2026.

Discipline Required Qualification
Generalist Graduation or post-graduation in any discipline with the prescribed minimum marks
Finance (CA & CMA) CA from ICAI or CMA from the Institute of Cost Accountants of India, along with graduation/post-graduation in any discipline as prescribed
Legal Graduation or post-graduation in Law
Information Technology B.E./B.Tech./M.E./M.Tech. in Computer Science or Information Technology, or MCA
Automobile Engineer Degree in Automobile Engineering, or an engineering degree with a diploma of at least one year in Automobile Engineering
Risk Engineer Engineering graduation or post-graduation in a discipline other than the specified IT and Automobile Engineering disciplines
Company Secretary ACS/FCS from ICSI, along with graduation/post-graduation in any discipline
Agriculture Four-year graduation or a relevant postgraduate qualification in Agriculture, Agricultural Biotechnology or Agricultural Engineering

Note: For most disciplines, candidates must have secured 60% marks, with a relaxation to 55% for SC/ST/PwBD candidate

Age Limit

Particulars Details
Minimum Age 21 years
Maximum Age 30 years
Age Cut-off Date 1 October 2026

Age Relaxation

Category Age Relaxation
SC/ST 5 years
OBC (Non-Creamy Layer) 3 years
PwBD – Gen/EWS 10 years
PwBD – SC/ST 15 years
PwBD – OBC 13 years
Eligible Ex-Servicemen 5 years
Defence personnel disabled in operations 3 years
Existing confirmed employees of Public Sector General Insurance Companies 8 years

Is There Experience Required for NICL AO Recruitment 2026?

No, prior work experience is not mentioned as a mandatory requirement for the NICL AO Recruitment 2026 in the available recruitment notice. Candidates who meet the prescribed educational qualification and age limit can apply for the respective Generalist or Specialist post.

NICL AO Application Fee 2026

The application fee varies according to the candidate’s category. The fee is non-refundable, and applicable bank transaction charges are to be borne by the candidate.

  • SC/ST/PwBD: Rs. 250
  • All Others: Rs. 1,000

NICL AO Apply Online 2026

Candidates interested in the NICL AO Recruitment 2026 can now apply online through the official website of the National Insurance Company Limited. The NICL AO Apply Online 2026 link has been activated and will remain active till 28 October 2026. Candidates should complete the application process before the deadline and keep a copy of the submitted form for future reference.

NICL AO Apply Online 2026: Active 

How to Apply for NICL AO Recruitment 2026?

Candidates can apply for the NICL Administrative Officer 2026 recruitment through the official NICL website. Follow the steps given below to complete the application form:

  • Visit the official NICL website: https://nationalinsurance.nic.co.in.
  • Go to the Recruitment section and click on the NICL AO Recruitment 2026 application link.
  • Click on “Apply Online” and complete the New Registration process.
  • Enter your basic details, mobile number, and email ID to register.
  • Note down the generated Registration Number and Password for future reference.
  • Fill in the application form with the required personal, educational, and other details.
  • Select the appropriate Generalist or Specialist discipline carefully.
  • Upload the required photograph, signature, and other documents in the prescribed format.
  • Preview the application form and verify all details carefully before final submission.
  • Pay the applicable application fee through the available online payment modes.
  • Submit the application form and download/save the final application form and payment receipt for future reference.

Documents Required for NICL AO Application

Candidates should keep the following documents and details ready before starting the NICL AO application process:

  • Recent passport-size photograph meeting the prescribed specifications.
  • Signature on white paper using black ink; the signature must not be written in capital letters.
  • Left thumb impression in the prescribed format.
  • Handwritten declaration in English, written by the candidate and not in capital letters.
  • Valid email ID and mobile number.
  • Educational qualification details and supporting certificates.
  • Category and disability certificates, wherever applicable.
  • Professional qualification documents for the relevant Specialist post.

Handwritten declaration in English

“I, ___________ (Name of the candidate), hereby declare that all information submitted by me in the application form is correct, true and valid. I will present the supporting documents as and when required.”

How to Choose Between Generalist and Specialist Posts?

NICL has announced 200 Generalist vacancies and 121 Specialist vacancies across Finance, Legal, Information Technology, Automobile Engineering, Risk Engineering, Company Secretary and Agriculture.

  • Choose Generalist if you have a graduation or post-graduation qualification in any stream and meet the prescribed eligibility criteria.
  • Choose Specialist if you possess the required professional or technical qualification for one of the notified specialist disciplines.
  • Consider the Mains pattern: Generalist candidates appear for five common sections, while Specialist candidates also have a separate Technical/Professional Knowledge section.
  • Check your educational background: Specialist applicants must have the specific qualification prescribed for their discipline, whereas Generalist applicants can apply with a degree or postgraduate qualification in any stream.
  • Compare the vacancies: Generalist posts account for 200 vacancies, while 121 vacancies are available across the specialist disciplines.
  • Select carefully: Candidates can apply for only one discipline, so the choice should be made after checking the eligibility criteria and understanding the examination requirements.

NICL AO Selection Process 2026

The NICL AO Recruitment 2026 selection process consists of three stages. Candidates have to qualify in each stage to move ahead in the recruitment process.

Stage Selection Process
Phase-I Online Examination
Phase-II Online Examination
Final Stage Interview

Note: The final selection is based on the marks obtained in the Main Examination and Interview, with an 80:20 weightage respectively.

NICL AO Prelims Exam Pattern 2026

The Preliminary Examination is common to all disciplines and carries 100 marks. It has a total duration of 60 minutes, with separate timings for each section.

Section Questions Marks Duration
English Language 30 30 20 minutes
Reasoning Ability 35 35 20 minutes
Quantitative Aptitude 35 35 20 minutes
Total 100 100 60 minutes

NICL AO Phase II Exam Pattern

The Main Examination consists of an Objective Test of 250 marks and a Descriptive Test of 30 marks. The objective test has separate sectional timings.

Generalist Officers

Section Questions Marks Time
Reasoning 50 50 40 minutes
General Awareness 50 50 30 minutes
Quantitative Aptitude 50 50 40 minutes
English Language 50 50 40 minutes
Computer Knowledge 50 50 30 minutes
Total 250 250 180 minutes

Specialist Officers

For Specialist Officers, the Main Examination contains the five common sections along with an additional test covering technical and professional knowledge of the relevant discipline. The total objective test carries 250 marks.

Section Questions Marks Time
Reasoning 40 40 35 minutes
General Awareness 40 40 20 minutes
Quantitative Aptitude 40 40 35 minutes
English Language 40 40 30 minutes
Computer Knowledge 40 40 25 minutes
Technical/Professional Knowledge 50 50 35 minutes
Total 250 250 180 minutes

Descriptive Test

The NICL AO Descriptive Test evaluates candidates’ English writing and comprehension skills. The test details are as follows:

  • Total Marks: 30
  • Duration: 30 minutes
  • Essay Writing: 10 marks
  • Précis Writing: 10 marks
  • Comprehension: 10 marks
  • Nature of Test: Qualifying
  • Evaluation: Marks are not considered for Interview shortlisting or final selection.

Negative Marking
There is a penalty for wrong answers in the objective tests of both Phase I and Phase II. One-fourth of the marks assigned to a question will be deducted for every incorrect answer, while no penalty is imposed for an unanswered question.

NICL AO 2026: Can Candidates Apply for Multiple Disciplines?

No, candidates can apply for only one discipline under NICL AO Recruitment 2026. Applicants must select their preferred post carefully based on their educational qualifications, professional background, and eligibility requirements. The recruitment includes Generalist and Specialist positions across different disciplines.

Before submitting the application, candidates should keep the following points in mind:

  • Choose One Discipline: Candidates are not permitted to apply for multiple disciplines under the same recruitment.
  • Check Eligibility: Review the educational qualification and other eligibility conditions for the selected post before completing the application.
  • Select the Right Specialisation: Candidates applying for Specialist posts must possess the required qualification for their chosen discipline.
  • Avoid Multiple Registrations: If multiple applications are submitted, only the latest valid and complete application will be considered. The application fee paid for other registrations will not be refunded.
  • Verify Details Before Submission: Check all personal, educational, and professional details carefully before paying the application fee and submitting the form.

NICL AO Salary

The salary offered to Administrative Officers under NICL AO Recruitment 2026 includes an attractive basic pay along with various allowances and employee benefits. The starting basic salary is Rs. 82,485 per month, and the pay increases with regular increments as per the prescribed pay structure.

Key Highlights of NICL AO Salary 2026:

  • Post: Administrative Officer (Scale I)
  • Initial Basic Pay: Rs. 82,485 per month
  • Pay Scale: Rs. 82,485-4,050(14)-1,39,185-4,390(4)-1,56,745
  • Approximate Monthly Emoluments: Rs. 1,14,000 in metropolitan centres
  • Additional Benefits: Allowances and other benefits as applicable under company rules

NICL AO Probation Period and Service Bond

  • Candidates selected for the Administrative Officer post will be placed on probation for one year. The probation period may be extended twice, by six months on each occasion, subject to the conditions specified by NICL. Officers are required to pass the Insurance Institute of India’s non-life Licentiate Examination to qualify for confirmation.
  • Selected candidates must also comply with the minimum service bond and posting conditions mentioned in the official recruitment notification. The minimum service period is four years, including probation, and specified financial liabilities may apply in cases of resignation or termination covered by the bond conditions.
  • The initial posting is subject to a minimum stay of five years. Specialist Officers may also be required, at the company’s discretion, to continue in their respective specialisation for at least ten years. Candidates should read the notification carefully to understand the applicable bond and service obligations before accepting an offer.

NICL AO Previous Year Question Papers

Practising NICL AO Previous Year Question Papers helps candidates understand the question pattern, difficulty level and important topics. Candidates should solve previous papers for both Phase I and Phase II to improve speed, accuracy and time management before the NICL AO 2026 examination.

IBPS Clerk Prelims Exam Analysis 2026 (10 October), Check Attempts & Difficulty Level

The IBPS Clerk Exam Analysis 2026 for 10 October Shift 1 provides a detailed review of the IBPS Clerk Prelims examination conducted on 10 October 2026. The analysis covers the overall difficulty level, section-wise difficulty, good attempts, and the types of questions asked in English Language, Numerical Ability, and Reasoning Ability. Candidates who appeared in the first shift can check the complete exam review below.

IBPS Clerk Shift 1 Exam Analysis 2026

The IBPS Clerk Prelims examination has been conducted in multiple shifts on 10 and 11 October 2026. The 10 October Shift 1 paper consisted of 100 questions carrying 100 marks, with 30 questions from English Language and 35 questions each from Numerical Ability and Reasoning Ability. The total duration of the examination was 60 minutes, with separate sectional timings.

Sequence: English → Numerical Ability → Reasoning

IBPS Clerk 1st Shift Exam Analysis 2026, 10 October Shift 1

The paper followed a traditional pattern and remained at the expected Clerk-level difficulty, with familiar question types across all three sections. The analysis covers section-wise difficulty levels and good attempts to help candidates understand the overall paper.

Section Questions Difficulty Level Good Attempts
English Language 30 Easy to Moderate 24-27
Numerical Ability 35 Easy to Moderate 26-28
Reasoning Ability 35 Easy to Moderate 27-30
Overall 100 Easy to Moderate 77-86

Reasoning Ability Analysis

The Reasoning Ability section consisted of 35 questions. The section included questions from puzzles, seating arrangement and other important reasoning topics. The topic-wise distribution is given below.

Topic Number of Questions
Floor Based Puzzle (7 Floor) 5
Parallel Row Seating Arrangements 5
Sequence Based Puzzle (8 Persons) 5
Inequality (Non Comma) 4
Chinese Coding 5
Digit + Symbol Series 5
Direction and distance 3
Pair Formation 1
Meaning Full Word 1
Odd One Out 1
Total 35

Numerical Ability Analysis

The Numerical Ability section contained 35 questions. The questions covered topics such as Simplification, Data Interpretation and Arithmetic. The detailed analysis is presented below.

Topic Number of Questions
Simplification 10
Bar Graph DI 5
Table DI 5
Caselet 3
Caselet 2
Arithmetic 10
Total 35

English Language Analysis

The English Language section consisted of 30 questions. Candidates faced questions from different areas of English, including Reading Comprehension, grammar, vocabulary and other topics. The detailed topic-wise distribution based on candidate feedback is given below.

Topic Number of Questions
Reading Comprehension 10
Error Detection 4
Cloze Test 6
Words Usage 2
Word Swap  5
Sentence Rearrangement 3
Total 30

IBPS Clerk Exam Analysis 2026, 1st Shift, 10 October, Video Link

How to Use IBPS Clerk Prelims Analysis to Prepare for Other Bank Exams

Candidates can use the IBPS Clerk Prelims Exam Analysis 2026 to improve their preparation for upcoming banking examinations. The shift-wise review helps identify important topics, understand question patterns, and assess the level of difficulty expected in similar exams. Candidates should focus on the following points:

  • Identify Important Topics: Revise frequently asked topics in Reasoning Ability, Numerical Ability, and English Language based on the exam analysis.
  • Improve Speed and Accuracy: Practise timed quizzes and sectional tests to solve questions faster while avoiding unnecessary mistakes.
  • Work on Weak Areas: Compare your performance with the section-wise analysis and give extra time to topics that require improvement.
  • Practise Mock Tests: Attempt full-length and sectional mock tests to improve time management and become familiar with different question patterns.
  • Prepare for Upcoming Exams: Banking aspirants can use the insights gained from IBPS Clerk Prelims to strengthen their preparation for exams such as SBI Clerk Mains, IBPS PO, and other upcoming bank recruitment examinations, according to their eligibility and exam schedules.
  • Revise Regularly: Maintain a revision schedule for arithmetic, puzzles, seating arrangements, grammar, and reading comprehension to improve overall performance.
Related Posts
IBPS Clerk Exam Analysis 2026, 1st Shift, 10 October IBPS Clerk Exam Analysis 2026, 2nd Shift, 10 October
IBPS Clerk Exam Analysis 2026, 3rd Shift, 10 October IBPS Clerk Exam Analysis 2026, 4th Shift, 10 October
IBPS Clerk Exam Analysis 2026, 1st Shift , 11 October IBPS Clerk Exam Analysis 2026, 2nd Shift , 11 October
IBPS Clerk Exam Analysis 2026, 3rd Shift , 11 October IBPS Clerk Exam Analysis 2026, 4th Shift , 11 October

IBPS Clerk Prelims Expected Cut Off 2026, Check State wise Marks

The IBPS Clerk Prelims Expected Cut Off 2026 is an estimate of the marks candidates may need to qualify for the Mains examination. The preliminary examination was completed on 10 and 11 October 2026 in multiple shifts. Candidates can use the feedback from both exam days, the overall difficulty level, state-wise vacancies and previous years’ cut-off trends to estimate their qualifying chances.

IBPS Clerk Prelims Expected Cut Off 2026

The expected cut-off may vary across states and categories because the number of vacancies and level of competition are different in each state. Since the examination was conducted in multiple shifts, normalisation may also affect the final scores. The cut-off marks mentioned below are tentative estimates and are not the official IBPS Clerk Prelims Cut Off 2026.

IBPS Clerk Prelims Expected Cut Off 2026: State-Wise

The IBPS Clerk Prelims cut-off marks vary from state to state. The number of vacancies, competition among candidates, category-wise reservation and the difficulty level of the examination influence the qualifying marks.

State/UT Expected Cut Off (UR)
Andhra Pradesh 65–72
Arunachal Pradesh 65–73
Assam 65–72
Bihar 65–72
Chandigarh 82–88
Chhattisgarh 65–72
Dadra & Nagar Haveli and Daman & Diu 55–68
Delhi (NCT) 80–86
Goa 45–60
Gujarat 50–62
Haryana 77–84
Himachal Pradesh 80–87
Jammu & Kashmir 75–85
Jharkhand 73–82
Karnataka 45–58
Kerala 72–80
Ladakh 45–65
Lakshadweep 40–60
Madhya Pradesh 68–77
Maharashtra 45–58
Manipur 50–65
Meghalaya 45–60
Mizoram 45–60
Nagaland 45–60
Odisha 70–80
Puducherry 45–60
Punjab 78–85
Rajasthan 76–84
Sikkim 40–60
Tamil Nadu 55–68
Telangana 55–68
Tripura 65–78
Uttar Pradesh 68–77
Uttarakhand 82–88
West Bengal 77–85

IBPS Clerk Prelims Cut Off Last 3 Years

Candidates can check the state-wise IBPS Clerk Prelims Cut Off for 2023, 2024, and 2025 in the table below. Comparing previous years’ cut-off marks helps candidates understand state-wise trends and estimate the expected cut-off for 2026.

States/UTs 2023 UR 2024 UR 2025 UR
Andhra Pradesh 81.25 77.5 64.50
Arunachal Pradesh — 71 —
Assam 79 83.75 65.75
Bihar 78 79.5 61.25
Chandigarh 85.75 81.5 86.5
Chhattisgarh 77 — 66.75
Dadra & Nagar Haveli and Daman & Diu — — —
Delhi 78.25 80.75 84
Goa 48.25 — —
Gujarat 75 77.25 45
Haryana 80.25 83 78.5
Himachal Pradesh 84 87 82.75
Jammu & Kashmir 85 86.25 —
Jharkhand 82.5 83.5 74.5
Karnataka 75.75 65.75 46
Kerala — — 77.25
Ladakh — — —
Lakshadweep — — —
Madhya Pradesh 78 80 69
Maharashtra 72.75 73 46
Manipur — — 52
Meghalaya — — —
Mizoram — — —
Nagaland — — —
Odisha 86.5 86.75 69.75
Puducherry — — —
Punjab 81 81.25 81
Rajasthan 82 83.25 77.5
Sikkim — 41 —
Tamil Nadu 65 — —
Telangana 78.5 68.25 —
Tripura 80 80.25 —
Uttar Pradesh 79.25 79 69.75
Uttarakhand 87.25 — 85
West Bengal 85.5 87.75 78.5

Factors Affecting IBPS Clerk Prelims Cut Off 2026

Several factors influence the expected cut-off marks for IBPS Clerk Prelims 2026. Candidates should consider the following points while estimating their chances of qualifying.

1. Difficulty Level of the Examination : The overall difficulty level of the examination plays an important role in determining the cut-off. If the paper is relatively difficult, the expected cut-off may be lower. An easier paper can lead to a higher cut-off due to increased attempts and scores.

2. Number of Vacancies : The number of vacancies available in a particular state can affect the cut-off. States with fewer vacancies and high competition may have higher qualifying marks, although the final outcome depends on the overall candidate pool.

3. Number of Candidates Appearing : The number of candidates taking the examination also influences competition. A larger number of candidates competing for a limited number of vacancies may affect the qualifying marks.

4. State-Wise Competition : IBPS Clerk Prelims cut-offs are state-wise. Therefore, candidates should compare their scores with the expected cut-off for the state they selected in their application rather than relying on a single national figure.

5. Normalisation of Marks : When examinations are conducted in multiple shifts, normalisation may be applied as per the official examination procedure. This can affect candidates’ final scores, so raw attempts alone cannot determine qualification.

How to Check IBPS Clerk Cut Off 2026?

Candidates can check the official IBPS Clerk cut-off when IBPS publishes the relevant result and scorecard. Follow these steps:

  1. Visit the official website of IBPS at ibps.in.
  2. Open the CRP CSA-XVI section.
  3. Look for the IBPS Clerk Preliminary Examination result or scorecard link.
  4. Log in using the required registration details and password or date of birth.
  5. Open the scorecard and check the marks obtained and the applicable cut-off details.
  6. Download or save the scorecard for future reference.
Related Posts
IBPS Clerk Exam Analysis 2026, 1st Shift, 10 October IBPS Clerk Exam Analysis 2026, 2nd Shift, 10 October
IBPS Clerk Exam Analysis 2026, 3rd Shift, 10 October IBPS Clerk Exam Analysis 2026, 4th Shift, 10 October
 IBPS Clerk Exam Analysis 2026, 1st Shift , 11 October   IBPS Clerk Exam Analysis 2026, 2nd Shift , 11 October
 IBPS Clerk Exam Analysis 2026, 3rd Shift , 11 October  IBPS Clerk Exam Analysis 2026, 4th Shift , 11 October

SBI PO Prelims Answer Key 2026 Out for 1500 Posts, Download Link

The SBI PO Prelims Answer Key 2026 has been released on 12 October 2026 by the State Bank of India for candidates who appeared in the SBI PO Preliminary Examination conducted on 1 and 2 August 2026. The recruitment drive was announced for 1,500 vacancies under Advertisement No. CRPD/PO/2026-27/09.

SBI PO Prelims Answer Key 2026 Out

The SBI PO Prelims Answer Key 2026 helps candidates review the questions asked in the examination, check the correct answers and understand the overall question pattern. With the SBI PO Prelims result declared and the Mains examination completed, candidates can check the latest answer key updates and analyse their performance in the preliminary examination.

SBI PO Answer Key 2026 Overview

Candidates can visit the official SBI Careers website to access the available examination-related information.

Particulars Details
Organisation State Bank of India (SBI)
Exam Name SBI PO 2026
Post Name Probationary Officer
Prelims Exam Date 1 & 2 August
Result Status Released
Total Vacancies 1,500
Advertisement Number CRPD/PO/2026-27/09
Exam Stage Preliminary Examination
Result Status Preliminary result available
Marks Status Marks secured by candidates available
Official Website sbi.bank.in/

SBI PO Prelims Answer Key 2026 Download Link

The SBI PO Prelims Answer Key 2026 download link is available on the official State Bank of India website for candidates to check the relevant examination details. Candidates can visit the SBI Careers portal and enter their Roll Number or Registration Number, Date of Birth, and the required CAPTCHA verification to access the document, if available. The direct link provided below will help candidates reach the official page without any difficulty.

SBI PO Prelims Answer Key 2026 Download Link

Steps to Download SBI PO Prelims Answer Key 2026

Candidates can follow the steps given below to access the SBI PO Prelims Answer Key 2026 through the official website.

  • 1. Visit the official SBI PO Prelims Answer Key 2026 page.
  • 2. Open the answer key or response sheet login page.
  • 3. Enter your Roll Number or Registration Number in the required field.
  • 4. Enter your Date of Birth as requested on the page.
  • 5. Enter the CAPTCHA text displayed on the screen. Use the refresh option if the text is unclear.
  • 6. Check all the entered details carefully.
  • 7. Submit the details to access the available examination document.
  • 8. If the answer key or response sheet is displayed, download it and save a copy for future reference.

Login Details Required for SBI PO Prelims Answer Key 2026

Candidates must enter the following details on the official SBI portal to access the available answer key or response sheet.

  • Roll Number or Registration Number: Enter the number provided on your application or admit card.
  • Date of Birth: Enter your date of birth in the format specified on the page.
  • Text Verification: Enter the characters shown in the CAPTCHA image. If they are unclear, click Refresh CAPTCHA.

SBI PO Prelims Marking Scheme

The SBI PO Prelims examination carries a total of 100 marks. Candidates can refer to the following marking scheme to understand how marks are awarded in the objective test.

Particulars Marks
Total Marks 100
Correct Answer +1
Incorrect Answer −0.25 mark
Unattempted Question 0 mark

Importance of SBI PO Prelims Answer Key 2026

The answer key is useful for candidates who want to review their performance and understand the questions asked in the preliminary examination. Its major benefits include:

  • Checking Correct Answers: Candidates can compare their responses with the correct answers wherever an answer key is available.
  • Understanding the Exam Pattern: Reviewing the questions helps candidates identify the types of questions asked across different sections.
  • Identifying Weak Areas: Candidates can recognise topics where they need better conceptual understanding or greater accuracy.
  • Reviewing Question Types: The answer key can help candidates revisit questions related to Reasoning Ability, Quantitative Aptitude and English Language.
  • Improving Future Preparation: Candidates can use their observations to prepare more effectively for upcoming banking examinations.

IBPS Clerk Prelims Exam Analysis 2026, 11 October, 4th Shift Section-Wise Review

The IBPS Clerk Prelims Exam Analysis 2026 for the 4th Shift provides a comprehensive overview of the examination conducted on 11 October 2026. Candidates can check the section-wise difficulty level, good attempts, and topic-wise questions asked in English Language, Numerical Ability, and Reasoning Ability. The detailed review helps aspirants understand the paper pattern and assess their performance.

IBPS Clerk 4th Shift Exam Analysis 2026

The IBPS Clerk Prelims 4th Shift examination was conducted on 11 October 2026 as part of the preliminary examination scheduled across 10 and 11 October. The paper comprised 100 questions carrying 100 marks, divided among English Language, Numerical Ability, and Reasoning Ability. Candidates were given 60 minutes to complete the test, with individual time limits for each section.

Section Sequence: English Language → Numerical Ability → Reasoning Ability

IBPS Clerk Prelims Admit Card 2026

IBPS Clerk Prelims Exam Analysis 2026, 11 October 4th Shift

Based on candidate feedback, the fourth-shift analysis highlights the examination pattern and the distribution of questions across the three sections. The review includes the overall paper difficulty, section-wise difficulty levels, and the estimated number of good attempts. Candidates can refer to the table below for the detailed assessment of the IBPS Clerk Prelims 4th Shift.

Section Questions Difficulty Level Good Attempts
English Language 30 Easy to Moderate 26-28
Numerical Ability 35 Easy to Moderate 27-29
Reasoning Ability 35 Easy to Moderate 28-30
Overall 100 Easy to Moderate 81-87

English Language Analysis

The English Language section comprised 30 questions assessing candidates’ reading comprehension, grammar, vocabulary, and sentence-based skills. The topics included Reading Comprehension, Error Detection, Cloze Test, Word Usage, Word Swap, and Sentence Rearrangement. The detailed distribution of questions is provided below.

Topic Number of Questions
Reading Comprehension 10
Error Detection 5
Cloze Test 6
Phrase Replacement 3
Word usage 1
Misspelt 2
Sentence Rearrangement 3
Total 30

Numerical Ability Analysis

The Numerical Ability section included 35 questions covering calculation-based problems, Data Interpretation, and Arithmetic. Candidates can check the topic-wise distribution in the table below. The exact question count for each topic should reflect the fourth-shift paper rather than the first-shift figures.

Topic Number of Questions
Simplification 10
Missing Number Series 5
Table based DI 5
Table DI 5
Arithmetic (Age, Mensuration, partnership, Mixture, CI, Profit Loss) 11
Total 35

Reasoning Ability Analysis

The Reasoning Ability section carried 35 questions and tested candidates on puzzles, seating arrangements, logical reasoning, and other commonly asked topics. The topic-wise breakdown below follows the same sequence as the reference analysis. The number of questions for the fourth shift should be filled in according to the questions reported by candidates.

Topic Number of Questions
Uncertain Linear Puzzle 3
Box based Puzzle 5
Month & Date 5
Floor Based 5
Chinese Coding 5
Blood Relation 3
3 Letter Word Based Series 5
Pair Formation 1
Odd One Out 1
Syllogism 2
Total 35

IBPS Clerk Prelims Exam Analysis 2026, 4th Shift Video

Candidates can watch the fourth-shift exam analysis video for a discussion of the questions asked, the section-wise paper review, and the important topics covered in the examination.

IBPS Clerk Prelims Memory Based Paper 2026

The IBPS Clerk Prelims Memory Based Paper 2026 has been prepared based on the questions asked in the examination conducted on 10 and 11 October 2026. Candidates who appeared for the IBPS Clerk Preliminary Examination shared the questions they remembered from their respective shifts, helping compile the memory-based paper.

IBPS Clerk Prelims Memory Based Paper

The IBPS Clerk Prelims 2026 was conducted on 10 and 11 October 2026 for the Customer Service Associate (CSA) post under CRP-CSA-XVI. The examination consisted of three sections: English Language, Numerical Ability, and Reasoning Ability, with a total of 100 questions carrying 100 marks. Candidates can check the IBPS Clerk Prelims Memory Based Paper 2026 PDF, questions asked across both exam dates and different shifts, section-wise topics, and detailed solutions in this article. The memory-based paper helps candidates review the questions asked, understand the topics covered, and assess the examination pattern.

IBPS Clerk Prelims Memory Based Paper 2026, 10 October 2026

IBPS Clerk Prelims Memory Based Paper 2026
Shift 1 Download PDF
Shift 2 Download PDF

IBPS Clerk Prelims Memory Based Paper 2026, 11 October 2026

IBPS Clerk Prelims Memory Based Paper 2026
Shift 1 Download PDF
Shift 2 Download PDF

IBPS Clerk Prelims Memory Based Paper 2026: How It Helped Candidates

The memory-based paper was useful for candidates in several ways:

  1. Reviewing the questions: Candidates could check questions they remembered from their examination shift.
  2. Understanding the exam pattern: The paper provided an overview of the topics and question types asked.
  3. Analysing preparation: Candidates could identify the areas where they performed well or faced difficulty.
  4. Preparing for future banking exams: Aspirants preparing for other banking examinations could use these questions as additional practice.
  5. Starting Mains preparation: Candidates expecting to qualify for the next stage could use the paper as a starting point for analysing their Prelims performance and planning Mains preparation.

IBPS Clerk Prelims 2026: What After the Exam?

After appearing for the IBPS Clerk Prelims 2026 examination, candidates should focus on analysing their attempts, accuracy, and expected performance. Candidates who are confident about qualifying should start preparing for the Mains examination without waiting for the Prelims result.

The IBPS Clerk Mains Exam 2026 is scheduled to be conducted on 27 December 2026. Candidates should therefore use the time available to strengthen General/Financial Awareness, Reasoning, Quantitative Aptitude, English Language, and other areas included in the Mains examination.

IBPS Clerk Exam Analysis 2026, 11 October Shift 3 Good Attempts and Difficulty Level

With the third shift of IBPS Clerk Exam Analysis 2026, 11 October completed candidates can look at the reported questions to understand which areas required more time and which sections were comparatively manageable. This analysis brings together key observations about the paper to provide a clearer picture of the examination.

IBPS Clerk 3rd Shift Exam Analysis 2026, 11 October

The IBPS Clerk Prelims Exam Analysis 2026 for 11 October Shift 3 helps candidates understand how the paper tested speed, accuracy, and basic concepts. The review focuses on the question mix, section-wise challenge, and estimated good attempts in English Language, Numerical Ability, and Reasoning Ability. Below the Section wise exam analysis has been provided.

IBPS Clerk Exam Difficulty Level & Good Attempts, 11 October Shift 3

A closer look at each section can help candidates identify the balance between straightforward questions and those requiring additional calculation or reasoning. Check the table below for the section-wise difficulty level and estimated good attempts for this shift.

Section Questions Difficulty Level Good Attempts
English Language 30 Easy to Moderate 22-25
Numerical Ability 35 Easy to Moderate 25-27
Reasoning Ability 35 Easy to Moderate 28-30
Overall 100 Easy to Moderate 75-82

Section-Wise Performance of IBPS Clerk Prelims Exam Analysis 2026, Shift 3

The section-wise analysis of IBPS Clerk Prelims 2026 Shift 3 provides a quick overview of the questions asked in each section, their difficulty level and the estimated good attempts. Candidates can check the table below for a clearer understanding of the paper.

IBPS Clerk Reasoning Ability Exam Analysis 2026

Topic Number of Questions
Puzzle Box based 5
Puzzle Month With Date 5
Puzzle (Circular based) 5
Puzzle (letter based) 5
Chinese Coding 5
Direction 3
Blood Relation 3
Syllogism 2
Pair Formation 1
Odd One Out 1
Total 35

IBPS Clerk English Language Exam Analysis 2026

Topic Number of Questions
Reading Comprehension 10
Cloze Test 6
Error Detection 4
Word usage 2
Word Rearrangement 3
Column Based 2
Phrase Replacement 3
Total 30

IBPS Clerk Numerical Ability Exam Analysis 2026

Topic Number of Questions
Simplification 10
Line Graph DI 5
Caselet DI 4
Table DI 5
Arithmetic  (Profit & Loss, ratio, Ages, Mixture, Boat & Stream, partnership, Mensuration, CI) 11
Total 35

IBPS Clerk Numerical Ability Exam Analysis Video Link

IBPS Clerk Prelims Exam Analysis 2026, 2nd Shift 11 October Complete Exam Review

The IBPS Clerk Prelims Exam 2026, 2nd Shift, has been successfully conducted on 11 October. Candidates who appeared in the examination can now check the complete shift review to understand the question pattern, section-wise difficulty level and topics covered in the paper. The IBPS Clerk Prelims Exam Analysis 2026 also highlights the estimated good attempts and questions that required more time, helping candidates evaluate their performance.

IBPS Clerk Prelims Exam Analysis 2026, 2nd Shift 11 October

The second shift exam review provides a detailed breakdown of the paper based on candidates’ feedback and the questions reported after the examination. It covers English Language, Numerical Ability, and Reasoning Ability, highlighting the important topics asked in each section. Candidates can also check the overall difficulty level and estimated good attempts to understand how the paper compared with their expectations.

IBPS Clerk Prelims Exam Analysis 2026, Difficulty Level & Good Attempts

As per the feedback shared by candidates, the IBPS Clerk Prelims Exam 2026 can be assessed in terms of its overall difficulty and the number of questions candidates could attempt with reasonable accuracy. The table below presents the section-wise difficulty level and estimated good attempts for a quick review of the paper.

Sections Difficulty Level Good Attempts
English Language Easy to Moderate 24-27
Numerical Ability Easy to Moderate 26-30
Reasoning Ability Easy to Moderate 27-31
Overall Easy to Moderate 76-85

IBPS Clerk Exam Analysis 2026, 11 October, 2nd Shift Section Wise Analysis

Candidates can check the questions asked, difficulty level, and good attempts for each section. The section-wise analysis of IBPS Clerk Prelims 2026 Shift 2 is given below.

Reasoning Ability

IBPS Clerk Prelims Exam Analysis 2026, Reasoning Ability
Topics No. of Questions
Sequence Based Puzzle (8 Persons) 5
Month & Dates Based Puzzle (8 Persons) 5
Floor Based Puzzle (8 Persons) 5
Certain Persons Based Puzzle (North facing) 3
Word Series 5
Syllogism 3
Inequities 3
Blood Relation 3
Pair Formation 1
Meaning Full Word 1
Odd One Out 1
Total 35

Numerical Ability

IBPS Clerk Prelims Exam Analysis 2026: Numerical Ability
Topics No. of Questions
Simplification 10
Table DI 5
Bar Graph DI 5
Caselet DI 5
Arithmetic 10
Total 35

English Language

IBPS Clerk Prelims Exam Analysis 2026, English Language
Topics No. of Questions
Reading Comprehension (Municipal Corporation) 9-10
Error Detection 5
Cloze Test 5
Mis spelt 5
Match The Column 1
Sentence Rearrangement 4
Total 30

IBPS Clerk Exam Analysis 2026, 11 October, 2nd Shift Video Link

IBPS Clerk Exam Analysis 2026, 11 October Shift 1 Difficulty Level & Good Attempts

The IBPS Clerk Exam Analysis 2026 for 11 October Shift 1 provides a detailed review of the question paper, section-wise difficulty level, good attempts, and questions asked in the examination. The IBPS Clerk Prelims 2026 was conducted in four shifts on 10 and 11 October for the recruitment of Customer Service Associates (CSA) under CRP-CSA-XVI.

IBPS Clerk Shift 1 Exam Analysis 2026, 11 October: Highlights

Candidates who appeared for the 11 October Shift 1 examination can check the major highlights of the paper below.

Particulars Details
Exam IBPS Clerk/CSA Prelims 2026
Recruitment CRP-CSA-XVI
Exam Date 11 October 2026
Shift Shift 1
Total Questions 100
Total Marks 100
Duration 60 Minutes
Overall Difficulty Easy to Moderate
Good Attempts 78-87

IBPS Clerk 11 October Shift 1 Difficulty Level

The overall difficulty level of the IBPS Clerk 11 October Shift 1 paper was easy to Moderate.

Section Questions Difficulty Level Good Attempts
English Language 30 Easy to Moderate 25-28
Numerical Ability 35 Easy to Moderate 25-28
Reasoning Ability 35 Easy to Moderate 28-32
Overall 100 Easy to Moderate 78-87

IBPS Clerk Reasoning Ability Analysis 2026, Shift 1

The Reasoning Ability section consisted of 35 questions. The section was easy to moderate, with questions from puzzles, seating arrangements and other miscellaneous reasoning topics.

Topic Number of Questions
Square Seating Arrangement 5
Month Based Puzzle 5
Floor Based Puzzle (8 Persons) 5
Certain person Seating Arrangement (North, 14 Persons) 3
Syllogism 3
Inequality 3
Direction 3
Digit Series 5
Pair Formation 1
Meaning Full Word 1
Odd One Out 1
Total 35

IBPS Clerk Numerical Ability Analysis 2026, Shift 1

The Numerical Ability section contained 35 questions and was Easy to moderate in the 11 October Shift 1 examination.

Topic Number of Questions
Simplification 10
Missing Number Series 3
Table DI 5
Table DI 3
Caselet DI 5
Arithmetic 9
Total 35

IBPS Clerk English Analysis 2026, Shift 1

Topic Number of Questions
Reading Comprehension (Water Pipe Connection) 9
Error Detection 5-6
Para Jumble 5
Single Filles 3-4
Word Swap  3
Phrase Replacement 3
Total 30

IBPS Clerk Exam Analysis 2026, 11 Oct, 1st Shift Video Analysis