Banking Exams 2022 – A Promising Career Path

The ultimate aim of any person aspiring to pursue a professional career is to have a respectable, experience-worthy and accomplishing job profile. The leading option that fulfils all the given criteria is that of a banking sector employee, especially in the officer cadre.


Presently, in India, lakhs of candidates apply for banking sector jobs every year and only a few thousand manage to achieve their dream. There are multiple Public Sector and Private sector banks that conduct annual recruitment to appoint officers and clerks into their respective branches across the country. But, mainly aspirants opt for PSBs. Also check job: ads in Nis city


Apart from the central bank, i.e., the Reserve Bank of India, the largest PSB, State Bank of India also holds examinations to appoint candidates. For other major banks, the Institute of Banking Personnel Selection conducts the IBPS PO examination. These are held at different stages with a comprehensively curated syllabus and exam pattern, with the entire process lasting for at least six to seven months.

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In this article, we bring to the positive prospects of applying for bank jobs and cracking the bank exams for a respectable and professional career, along with the basic structure and exam pattern followed for these papers.

Syllabus & Exam Pattern for Bank Exams

There are mainly three stages in which the shortlisting of candidates is done for the final selection:

  1. Prelims Exam (mostly only qualifying in nature)
  2. Mains Exam (Marks are included in calculating merit)
  3. Interview (mostly for Officer cadre and not for clerical cadre)

Also, there are a few common subjects that are included in the syllabus for almost all major bank exams, however, there are exceptions, and candidates are advised to airways go through the official exam notification before starting off with the preparation. These common subjects are:

  • English Language (Objective and Subjective)
  • Quantitative Aptitude and Data Interpretation
  • Reasoning Ability
  • General/Financial/Current Awareness and Static GK
  • Computer Knowledge

The details about the exam pattern, important dates, syllabus, eligibility, number of vacancies, etc. are announced in the official notification that marks the beginning of the recruitment process.

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Perks of being a Bank Officer

  • Pay Scale – This is one of the key factors why aspirants opt for a job in the banking sector. The salary offered along with the different allowances make this job profile all the more attractive for the candidates
  • Medical Benefits – A lot of medical benefits in terms of selective services, bill payments, etc. are offered to all bank employees based on their scale and position in the Organisation. Also, in a few Public Sector Banks, reimbursement of medical treatments not just for the employees but the dependent family members is also available
  • Travel Allowance – This includes an official vehicle for local commuting or reimbursement of petrol expenses for a personal vehicle. Also, there is an option for Leave Fare Concession (LFC) which is a benefit provided to permanent employees of banks to travel with their family to any place in India or their place of domicile
  • Pension Benefits – Bank employees are also eligible for pension schemes and get a percentage of their last taken at-home salary even after retirement. This makes the job not just an ideal option for the present but also from the future perspective
  • Respectable Job Profile – This is what has kept the integrity of this job profile at the highest level over decades. A bank employee or a job in the banking sector is highly reputed and respectable.
  • Mostly Permanent until the age of retirement – Once a candidate joins a Public Sector Bank under a permanent profile, he/she is liable to work in the Organisation until their retirement age. During the course of employment, they can opt for promotions and transfers and grow within the organisation
  • Internal Promotions and Growth – Interviews and internal examinations are conducted at regular intervals that provide the employees with an opportunity to grow and get promoted with the bank itself. This also enhances their designation, scale and salary structure

Despite all these perks, one must always remember that with benefits, there is a lot of responsibility that has to be taken by every employee working in the banking industry. Thus, make a note that it is not just the perks, but also the responsibilities that one is expected to accomplish.

Salary Structure of a Bank Probationary Officer

The Bank PO Salary varies for different Public Sector Banks, while RBI offers the highest pay scale, SBI follows it as the second-highest and then further by other banking organizations.

The basic in-hand salary of a Probationary Officer starts from Rs.30,000-Rs.35,000 and with experience, promotions and over a period of time, this continues to grow.

Thus, candidates preparing for the upcoming bank examinations must know that the competition for such exams is very tough and a lot of hard work and dedication is required to crack the exam and enter this sector.


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