Notification Highlights
Important Examination & Application Dates
| Recruitment Event / Milestone | Official Date / Schedule |
|---|---|
| Detailed Notification Released | 28 September 2026 |
| Online Registration Opens | 28 September 2026 |
| Last Date for Online Submission | 18 November 2026 (23:59 Hrs) |
| Last Date for Fee Payment | 18 November 2026 |
| Preliminary Examination Window | January 2027 |
| Main Examination Window | February / March 2027 |
Application Fee by Reservation Category
| Candidate Category | Prescribed Fee |
|---|---|
| General / OBC / EWS Candidates | ₹750 (Application fee + Intimation charge) |
| SC / ST / PwBD / Ex-Servicemen | Exempted (Nil / ₹0) |
Post-Wise Vacancy & Pay Scale Breakdown
| Post Name | Department | Pay Scale | Vacancies |
|---|---|---|---|
| Junior Associate (Customer Support & Sales) | State Bank of India - 17 Circles | Starting Basic ₹26,730 (Gross ₹39,200/mo + perks) | 12,500+ |
7th CPC Salary Structure & In-Hand Arithmetic
Monthly compensation breakdown based on Central Government pay matrices (Inputs: 01 October 2026 (12th Bipartite Wage Settlement Clerical Scale)):
| Salary Component / Allowance | Monthly Amount (₹) | Calculation Basis / Statutory Rule |
|---|---|---|
| Basic Pay | ₹26,730 | Starting entry pay in prescribed 7th CPC matrix cell |
| Dearness Allowance (DA) | ₹4,196 | Calculated at 16% of Basic Pay |
| House Rent Allowance (HRA) | ₹2,673 | Class-X city rate (10%) |
| Transport Allowance (TPTA) | ₹1,500 | Higher TPTA cities + DA on TPTA |
| Gross Monthly Emoluments | ₹39,200 | Sum of Basic + DA + HRA + Allowances |
| NPS Employee Contribution (10%) | -₹3,092 | 10% of (Basic Pay + Dearness Allowance) |
| Estimated Net In-Hand Monthly Pay | ₹35,658 | Credited directly to employee bank account |
Calculated with 2 advance increments for graduates under 12th Bipartite wage revision. Special allowance (₹4,100) and conveyance allowance included.
Examination Pattern, Subjects & Negative Marking
Detailed section-wise question distribution, marks allocation, and penalty rules:
| Subject / Test Module | Questions | Max Marks | Duration | Negative Marking Penalty |
|---|---|---|---|---|
| Prelims: English Language (30 Qs / 20 Mins) | 30 | 30 | 20 Minutes Sectional | 0.25 Negative Marks |
| Prelims: Numerical Ability (35 Qs / 20 Mins) | 35 | 35 | 20 Minutes Sectional | 0.25 Negative Marks |
| Prelims: Reasoning Ability (35 Qs / 20 Mins) | 35 | 35 | 20 Minutes Sectional | 0.25 Negative Marks |
| Mains: General/Financial Awareness, English, Quant, Reasoning (Combined) | 190 | 200 | 160 Minutes (Sectional Timings) | 0.25 Negative Marks |
Official Examination Syllabus & Section-Wise Topics
Curated subject topics based on official recruitment notifications and past pattern distribution:
- Banking Awareness, Reserve Bank of India Monetary Directives, Priority Sector Lending
- Current Affairs (National & International), Union Budget, Economic Survey Insights
- Government Schemes: PMJDY, PMJJBY, PMSBY, Atal Pension Yojana, Mudra Loans
- Static GK: National Parks, International Financial HQs, Currencies & Capitals
- Simplification & Approximation, Missing & Wrong Number Series, Quadratic Equations
- Data Interpretation: Bar Graphs, Line Graphs, Pie Charts, Caselet DI, Radar Charts
- Arithmetic: Percentages, Profit & Loss, Ratio & Proportion, SI & CI, Time & Work, Speed Distance & Time
- Seating Arrangements (Circular, Linear, Square), Floor & Box Puzzles, Scheduling Puzzles
- Syllogisms (Only a few / Possibility cases), Coding-Decoding, Inequalities, Blood Relations
- Computer Hardware & Architecture, Binary-to-Decimal conversions, Cloud Storage & Cyber Safety
Previous Cycle Qualifying Cut-Off Benchmarks
Historical normalized qualifying marks across reservation categories to gauge target scores and safe attempt targets:
| Cycle / Exam Stage | General (UR) | OBC-NCL | EWS | SC | ST | Total Marks |
|---|---|---|---|---|---|---|
| 2023 Prelims (Delhi Circle) | 57.25 | 53.50 | 56.00 | 48.00 | 42.50 | 100 |
| 2023 Prelims (Uttar Pradesh Circle) | 60.50 | 57.25 | 59.00 | 51.50 | 44.00 | 100 |
| 2022 Prelims (Delhi Circle) | 72.75 | 67.50 | 70.00 | 61.25 | 54.00 | 100 |
| 2022 Prelims (Uttar Pradesh Circle) | 77.50 | 73.25 | 75.50 | 66.00 | 57.50 | 100 |
Profile Match & Application Advisory
- Graduates in any discipline from a recognized university, or candidates in their final year of graduation who can produce proof of having passed on or before the document verification cutoff date.
- Aspirants proficient (reading, writing, speaking, and understanding) in the specified local language of the applied state/UT.
- Candidates aged 20 to 28 years (with statutory relaxations: up to 31 for OBC, 33 for SC/ST, and 38 for PwBD).
- Banking aspirants seeking permanent public sector clerical employment with revised 12th Bipartite wage scale and comprehensive healthcare benefits.
- Candidates who cannot produce proof of graduation degree completion on or before the prescribed eligibility date.
- Candidates lacking proficiency in the local language of the state they wish to apply for (SBI strictly conducts a mandatory Local Language Test prior to joining; failure leads to rejection).
- Candidates exceeding 28 years of age without eligible category relaxation.
- Candidates with an active adverse CIBIL / credit bureau score (SBI requires a clean credit history with CIBIL score of 650 or above at appointment).
Common Application Mistakes & Scrutiny Pitfalls
- Writing the handwritten declaration in CAPITAL LETTERS: SBI strictly rejects handwritten declarations not drafted in the candidate’s normal cursive English handwriting.
- Uploading a blurry left thumb impression: Smudged thumb impressions lead to application rejection or biometric failure at the exam center.
- Applying for a state without local language command: Unlike IBPS Clerk, SBI does not allow inter-circle transfer for Junior Associates for several initial years.
- Submitting incomplete credit score declarations: Failing to settle delinquent loans or credit card defaults prior to document verification.
Documents to Keep Ready Before Applying
- Graduation Degree Certificate or provisional passing certificate and all semester mark sheets.
- Recent passport-size color photograph (20 KB to 50 KB, light background).
- Scanned signature in running handwriting on white paper with black ink (10 KB to 20 KB).
- Left Thumb Impression scan (20 KB to 50 KB, black or blue ink on white paper).
- Handwritten declaration written in candidate’s own English handwriting (50 KB to 100 KB).
- 10th / 12th mark sheet showing studied local language of the opted state (exempts from Language Proficiency Test).
- Category Certificate (SC/ST/OBC-NCL/EWS) in prescribed format valid for the active financial year.
Strategic Examination Preparation Blueprint
Actionable study guidelines, speed drills, and score defense tactics curated by GovIndiaNews editorial board:
Master 20-minute sectional time management: aim for 28+ attempts in Reasoning, 25+ in Quantitative Aptitude, and 22+ in English.
Focus on High-Yield Puzzle Formats (Floor with Flat, Box, Square seating with vacant seats) to guarantee 15-20 marks within 10 minutes.
Practice Simplification, Quadratic Inequalities, and Number Series daily for effortless 12-15 score banking.
Read daily editorial columns to improve reading comprehension skimming speed and contextual vocabulary identification.
Strictly avoid spending more than 2.5 minutes on a single arithmetic word problem or unfamiliar puzzle arrangement.
Interactive Candidate Utilities Suite
Statutory software calculators and document specification checkers for this notification
Frequently Asked Questions (State Bank of India (SBI))
Is there any personal interview for SBI Clerk (Junior Associates)?
No. There is no personal interview round for clerical appointments in SBI. Final selection is based 100% on marks obtained in the Phase-II Main Examination, subject to qualifying the mandatory Local Language Test.
What is the Local Language Test (LPT) in SBI Clerk?
Candidates who did not study the specified official local language of their applied state in 10th or 12th standard must take and clear a local language test conducted by SBI prior to final joining. Failure to clear the test results in cancellation of candidature.
Is there sectional cut-off in SBI Clerk Prelims or Mains?
No. State Bank of India does not apply minimum sectional cut-offs in either the Preliminary or the Main examination. Selection is decided strictly based on total aggregate score.
What is the starting in-hand salary of an SBI Junior Associate?
Under the revised 12th Bipartite wage scale with two graduate increments, the starting basic pay is ₹26,730, yielding gross monthly earnings of approximately ₹39,200 and net in-hand pay between ₹34,800 and ₹37,500 depending on circle city tier.
Primary Gazette Source Notice
Notice Title: State Bank of India Careers Recruitment Page
Verified on: 02 Oct 2026
This notice was audited by the GovIndiaNews Editorial Desk against primary gazette releases and official portal bulletins. Review sign-off conducted under our transparent Fact-Checking Policy. Found a discrepancy? Submit a notice revision via our public Corrections Desk.