1. Statutory Eligibility Criteria
20 to 30 Years as on crucial date. Standard relaxations: OBC-NCL +3 yrs, SC/ST +5 yrs, PwBD +10 yrs.
A Degree (Graduation) in any discipline from a University recognized by the Government of India.
Citizen of India.
No restriction within the age limit.
2. Multi-Stage Selection Framework
English (30), Quantitative Aptitude (35), Reasoning (35). Sectional cutoff and sectional timer of 20 mins.
Objective: 155 Qs (3 Hours). Descriptive: 30 Mins (1 Essay, 1 Letter, 25 Marks). Total 225 Marks.
Conducted by participating banks. Minimum qualifying score: 40% (35% for SC/ST/OBC/PwBD). Weightage: 80% Mains + 20% Interview.
3. Examination Scheme & Syllabus
Sectional cutoffs applied across all subjects in both Prelims and Mains with 1/4th negative marking.
| Section / Paper | Questions | Marks | Duration | Negative Marking |
|---|---|---|---|---|
| Prelims: English, Math, Reasoning | 100 | 100 | 60 Mins | 0.25 marks |
| Mains: Reasoning & Computer Aptitude | 45 | 60 | 60 Mins | 0.25 marks |
| Mains: General / Economy / Banking | 40 | 40 | 35 Mins | 0.25 marks |
| Mains: English Language | 35 | 40 | 40 Mins | 0.25 marks |
| Mains: Data Analysis & Interpretation | 35 | 60 | 45 Mins | 0.25 marks |
| Mains: English Descriptive (Letter & Essay) | 2 | 25 | 30 Mins | Descriptive |
4. 7th CPC Pay Scale & Career Growth
Scale-I Starting Basic Pay of ₹48,480 under the revised 12th Bipartite Settlement
Starting Basic & In-Hand Range:₹48,480 (Estimated in-hand: ₹62,000 to ₹68,000 per month depending on posting location and HRA.)
- Junior Management Grade Scale-I (Assistant Manager / PO)
- Middle Management Grade Scale-II (Manager)
- Middle Management Grade Scale-III (Senior Manager)
- Senior Management Grade Scale-IV (Chief Manager)
- Executive Track: Scale-V (AGM) -> Scale-VI (DGM) -> Scale-VII (GM) -> Executive Director (ED)
5. Frequently Asked Questions (IBPS Probationary Officer / Management Trainee)
Is there sectional cutoff in IBPS PO?
Yes. IBPS strictly enforces sectional cutoffs in both Prelims and Mains examinations. Candidates must qualify in each individual section as well as achieve the overall aggregate cutoff.
What is the score ratio for final IBPS PO merit listing?
The final merit score is calculated out of 100 with an 80:20 ratio: 80% weightage given to marks scored in Mains (out of 225) and 20% weightage given to marks scored in the Personal Interview (out of 100).
What is the starting in-hand salary of an IBPS PO?
Under the 12th Bipartite wage structure, an IBPS PO receives an initial in-hand monthly salary of approximately ₹62,000 to ₹67,000 post deductions.
Can final-year students apply for IBPS PO?
Candidates must possess the final degree mark sheet/certificate on or before the online application closing date. Appearing students whose results are pending cannot apply.
Which public sector banks participate in IBPS PO?
11 public sector banks participate, including PNB, Bank of Baroda, Canara Bank, Union Bank of India, Indian Bank, Bank of India, Central Bank of India, Indian Overseas Bank, UCO Bank, Bank of Maharashtra, and Punjab & Sind Bank.