The Punjab & Sind Bank has announced lateral recruitment for Local Bank Officers (LBOs) in JMGS-I. This guide turns the official notification into an easy, step-by-step read. If you’re targeting a public sector bank officer job with state-specific postings and a clear career path, start here.
What this recruitment is about (and why it matters)
The bank is hiring LBOs across multiple states, each tied to a mandatory local language. You must apply for one state only, and that choice can’t be changed later—so match your language proficiency and career plans carefully. Vacancies are provisional and can change based on the bank’s needs. Present employees of Punjab & Sind Bank aren’t eligible for this post.
Key dates you must track
Online applications open on 20 August 2025 and close on 4 September 2025. The online examination is scheduled for October 2025 (exact date will be announced on the website). All updates, corrigenda, and instructions will appear on the bank’s website—so keep checking during the cycle.
How many seats and where
There are 750 vacancies distributed state-wise (for example: Maharashtra 100, Gujarat 100, Tamil Nadu 85, Odisha 85, Punjab 60, Karnataka 65, Telangana 50, Assam 15, Himachal Pradesh 30, and others). Each state lists the compulsory language (e.g., Marathi for Maharashtra, Gujarati for Gujarat, Tamil for Tamil Nadu). Check the full table in the notification to align your application.
Eligibility criteria (read this twice)
Citizenship. Indian citizens are eligible, and certain other categories (Nepal/Bhutan subjects, specified Tibetan refugees and Persons of Indian Origin) may apply with an appropriate Govt. of India eligibility certificate where required.
Age. For JMGS-I, the age range is 20–30 years as on 1 August 2025 (born not earlier than 02.08.1995 and not later than 01.08.2005, both dates inclusive). Statutory relaxations apply: SC/ST 5 yrs, OBC-NCL 3 yrs, PwBD 10 yrs, 1984 riots 5 yrs, and certain Ex-Servicemen 5 yrs (see the fine print for conditions).
Education & experience. You need a graduation degree from a recognized university and at least 18 months of regular service in the Officer cadre of a Public Sector Bank or Regional Rural Bank by 04 September 2025. Experience in NBFCs, cooperative banks, private banks, payment banks, small finance banks, or fintechs will not be counted for eligibility.
Reservation & documents. Reservation is as per Government norms. OBC candidates must present a valid Non-Creamy Layer certificate in the Central List; EWS candidates need a valid Income & Asset certificate. Make sure your category certificates are in the prescribed format and valid on the relevant dates.
Salary, benefits, bond, and probation
Selected LBOs are appointed in JMGS-I with a scale of pay ₹48,480–2,000/7–62,480–2,340/2–67,160–2,680/7–85,920. At joining, you get +3 increments in the scale as per the applicable Joint Note. If you already hold JAIIB/CAIIB, those increments are protected. You’ll receive DA, HRA/leased accommodation (as per rules and posting), CCA, medical, LTC, terminal benefits, and other perquisites as per policy.
There is a service bond: the bond amount equals three months’ gross salary in JMGS-I; the bond period is 3 years, and the probation period is 6 months. Plan your move knowing this lock-in.
Selection process and exam structure
The selection flow is Written Test → Screening → Personal Interview → Final Merit → Local Language Proficiency → Final Selection. That means you must clear each layer, not just the written test.
The online exam has 120 questions, 120 marks, 120 minutes, and four sections: English Language (30 Qs, 30 mins), Banking Knowledge (40 Qs, 40 mins), General Awareness/Economy (30 Qs, 30 mins), and Computer Aptitude (20 Qs, 20 mins). The medium is English for English Language and English/Hindi for the other sections. You must meet sectional and overall cut-offs to be shortlisted. Minimum qualifying marks are 40% for UR/EWS and 35% for Reserved categories; the bank may change the qualifying criteria based on overall performance.
The final merit list combines scores from the written test and interview. If multiple candidates sit on the cut-off, age (descending) is used to rank them. Interview details, including venue and date, arrive via email; interviews are conducted at New Delhi, unless specified otherwise.
Local language proficiency is mandatory
Because the role is local and branch-facing, you must read, write and understand the specified language of the state you applied for. A language test is conducted before joining. If you studied that language as a subject in Class 10 or 12, and can produce the mark sheet/certificate, you won’t need to take the test.
Application fee and mode
The application is online only and the fee is non-refundable. SC/ST/PwD: ₹100 + taxes + gateway charges; General/EWS/OBC: ₹850 + taxes + gateway charges. Candidates bear the transaction charges for online payment.
How to apply correctly (uploads, formats, and common mistakes)
While filling the form, you’ll get separate upload links for photo, signature, left thumb impression, and the handwritten declaration. Preview each image and fix any blurs or smudges before final submission—your application won’t be registered without these uploads in the right slots. The bank prescribes JPG/JPEG, minimum 200 dpi, and clear placement.
The handwritten declaration must be written by you in English, on white paper with black ink, sized about 800×400 px at 200 dpi (10×5 cm) and 50–100 KB. Don’t use CAPS. The exact text to copy is provided in the notification—use it verbatim.
Be extra careful that your signature on exam day matches the uploaded signature; mismatch will lead to disqualification. Upload each item in its correct place—photo where photo goes, signature where signature goes—or you may be barred from the exam.
Exam centres and test-day identity checks
You cannot request a change of centre/date/session. The bank may add, cancel, or re-allot centres. You appear at your own risk and expense; any misbehaviour can lead to disqualification from this and future exams.
Carry your call letter plus valid photo ID bearing the same name as on the call letter (acceptable IDs include PAN, Passport, Permanent Driving Licence, Voter ID, Bank Passbook with photo, Government/PSU/University ID, Aadhaar/e-Aadhaar, or Employee ID). Ration Card and Learner’s Licence are not accepted. For name changes, carry original Gazette/marriage certificate/affidavit.
PwBD, scribe and compensatory time provisions
PwBD candidates who meet the criteria may use a scribe (from a different academic discipline), with undertakings from both candidate and scribe; 20 minutes per hour of compensatory time is provided where eligible. Separate guidelines cover locomotor disabilities/cerebral palsy, visual impairment (with magnified font), and intellectual disability; read them closely before the exam.
Putting it all together (your action plan)
- Confirm state + language fit and eligibility (age, graduation, 18-month officer experience in PSU/RRB).
- Apply between 20 Aug 2025 – 4 Sep 2025 and pay the correct fee.
- Prepare for the online exam with focus on Banking Knowledge, General Awareness/Economy, English, and Computer Aptitude—and aim to clear sectional and overall cut-offs.
- Keep your documents and uploads exact, including the handwritten declaration text and sizes.
- If shortlisted, be ready for the interview and, if required, the local language test before joining.
Quick reference to crucial facts (from the official notification)
- Total vacancies: 750 (state-wise; language-linked).
- Apply online: 20.08.2025 to 04.09.2025; Exam: October 2025.
- Eligibility: Graduation + 18 months officer experience in PSU/RRB by 04.09.2025.
- Age: 20–30 years as on 01.08.2025 (UR/EWS), with relaxations as per rules.
- Exam pattern: 120 questions, 120 marks, 120 minutes; four sections.
- Cut-offs: 40% UR/EWS; 35% Reserved (sectional qualifying).
- Fee: SC/ST/PwD ₹100; General/EWS/OBC ₹850 (plus taxes/charges).
- Pay: JMGS-I scale ₹48,480–85,920 with +3 increments on entry.
- Bond/Probation: 3-year bond (3 months’ gross salary) & 6-month probation.
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