Table of Contents
Introduction
Hey there, future bank officer! 👋
If you’ve ever dreamed of walking into a bank branch wearing that crisp uniform, helping people with their money, and building a rock-solid career — this is your moment.
Punjab and Sind Bank (PSB) just opened 750 Local Bank Officer (LBO) posts for 2025, and they’re looking for real people with real banking experience — not just fresh grads. The exam is on October 5, 2025, and the last date to apply is September 11, 2025 (yes, it got extended — thank you, PSB!).
I’ve been through bank exams myself, coached friends, and helped dozens clear officer-level posts. So trust me — this guide is written like I’m sitting next to you with a cup of chai, breaking it all down in plain, simple Hindi-English. No jargon. No fluff. Just what you actually need to know.
Let’s get you that Scale-I officer job. Ready? Chalo!
What’s This LBO Job Anyway?
Imagine this:
You’re posted in your home state (no transfers for 9 years!), sitting behind the counter, approving loans, opening accounts, and helping aunties invest in fixed deposits. You’re not just a clerk — you’re an officer. People call you “Sir/Ma’am”.
That’s the Local Bank Officer (JMGS-I) role.
It’s a permanent government bank job with:
- Starting basic pay: ₹36,000
- Total in-hand: ₹55,000 – ₹70,000/month (depends on city)
- Free medical, pension, home loan at 4%, travel allowance
- Promotion to Manager in 3–5 years
And the best part?
You stay in your state for nearly a decade. No worrying about packing bags every 2 years.
750 Vacancies – Pick Your State Wisely!
You can apply for only ONE state, and you must know the local language (reading, writing, speaking). Here’s the full list:
| State | Total Posts | UR | SC | ST | OBC | EWS |
|---|---|---|---|---|---|---|
| Andhra Pradesh | 108 | 45 | 17 | 8 | 28 | 10 |
| Maharashtra | 103 | 50 | 12 | 6 | 25 | 10 |
| Punjab | 83 | 40 | 15 | 0 | 20 | 8 |
| Karnataka | 69 | 35 | 6 | 3 | 18 | 7 |
| Odisha | 64 | 28 | 10 | 5 | 16 | 5 |
| Tamil Nadu | 62 | 30 | 5 | 1 | 20 | 6 |
| Jharkhand | 60 | 25 | 9 | 5 | 15 | 6 |
| Gujarat | 58 | 30 | 5 | 2 | 15 | 6 |
| Telangana | 54 | 25 | 6 | 3 | 15 | 5 |
| Chhattisgarh | 48 | 20 | 7 | 4 | 12 | 5 |
| Himachal Pradesh | 19 | 10 | 4 | 0 | 3 | 2 |
| Assam | 8 | 5 | 1 | 1 | 1 | 0 |
| Puducherry | 7 | 4 | 1 | 0 | 2 | 0 |
Pro Tip: Apply for a state where:
- You know the language well
- Vacancies are high (Maharashtra, AP, Punjab = best chance)
- You’re okay staying for 9 years
Are You Eligible? (Check This FIRST!)
Don’t waste ₹850 if you don’t qualify. Here’s the truth:
| Criteria | Must Have |
|---|---|
| Degree | Any graduation (result by 23 Nov 2025) |
| Experience | 1 year in any bank (clerk or officer) |
| Age | 20–30 years (as on 1 July 2025) |
| Age Relaxation | SC/ST: +5 yrs, OBC: +3 yrs, PwBD: +10 yrs |
| Language | Fluent in state language (proof needed) |
No experience? Sorry, beta — wait for PO exams.
No local language? You’ll fail LLPT — game over.
How to Apply (Step-by-Step, No Confusion)
- Open your phone/laptop → Go to punjabandsindbank.co.in
- Click “Careers” → “Current Openings” → LBO 2025
- Click “Apply Online”
- Register with your email + mobile
- Fill:
- Name, DOB, address
- Graduation marks
- Bank experience (company name, from-to date)
- Choose ONE state
- Upload:
- Photo (4.5cm × 3.5cm, white background)
- Signature (black ink)
- Left thumb impression
- Handwritten declaration:
“I, __, declare that all info is correct.”
- Pay fee:
- ₹850 (General/OBC/EWS)
- ₹175 (SC/ST/PwBD)
- Submit & save PDF (print it later)
Deadline: 11 September 2025
Apply today — servers crash on last day!
Exam Pattern: What’s Coming on Oct 5?
120 questions. 120 marks. 120 minutes.
0.25 negative marking — don’t guess blindly!
| Section | Qs | Marks | Time |
|---|---|---|---|
| English | 30 | 30 | 30 min |
| Banking Knowledge | 40 | 40 | 40 min |
| General & Economy Awareness | 30 | 30 | 30 min |
| Computer Aptitude | 20 | 20 | 20 min |
| Total | 120 | 120 | 120 min |
No sectional cut-off, but aim 80+ marks to be safe.
Syllabus in Simple Words (What to Study?)
1. English (30 Marks) – Don’t fear it!
- 1 passage (8–10 Qs) – banking or economy topic
- Fill in blanks, error spotting
- Rearrange sentences
- Synonyms/antonyms
Daily Habit: Read The Hindu or Indian Express for 15 mins.
2. Banking Knowledge (40 Marks) – Your Golden Ticket
This is easiest if you’ve worked in a bank.
- What is NEFT, RTGS, IMPS, UPI?
- Types of accounts (SB, CA, RD, FD)
- KYC, AML, NPA
- RBI rates: Repo, Reverse Repo, CRR, SLR
- Govt schemes: PMJDY, Atal Pension, Sukanya Samriddhi
Study Tip: Make flashcards. Revise 20 terms daily.
3. General Awareness (30 Marks) – Last 6 Months Only
- Union Budget 2025
- RBI Governor, Finance Minister
- New bank mergers, digital payment news
- Awards, sports, summits
Daily Habit: Watch 5-min current affairs on YouTube (Adda247, StudyIQ)
4. Computer (20 Marks) – Class 10 level
- MS Word, Excel, PowerPoint
- Internet, email, virus, firewall
- RAM, CPU, LAN, WAN
Study Tip: Watch 1-hour video on YouTube → done!
Salary & Perks (Yes, It’s Good!)
| Component | Amount (Approx) |
|---|---|
| Basic Pay | ₹36,000 |
| DA (43%) | ₹15,500 |
| HRA (9–11%) | ₹3,500–₹4,000 |
| Other Allowances | ₹5,000–₹10,000 |
| In-Hand | ₹55,000 – ₹70,000 |
Plus:
- Medical for family
- Pension after retirement
- Home loan @ 4%
- 33 days leave/year
Selection Process (4 Steps)
- Online Exam → Clear it
- Document Check → They verify experience, degree
- Local Language Test (LLPT) → Speak, read, write in state language
(Exempt if you studied it in 10th/12th) - Interview (30 marks) → Be confident, know your bank job
Final Score = 70% Exam + 30% Interview
3-Month Study Plan (Follow This & Clear It!)
Month 1: Build Base
- 2 hrs Banking
- 1 hr English
- 1 hr GK (daily news)
- 30 min Computer
- Book: Arihant Banking Awareness
Month 2: Practice Hard
- 2 mocks/week (Adda247, Oliveboard)
- Solve 50 Banking Qs daily
- Revise weak topics
Month 3: Finish Strong
- 1 mock daily
- Revise notes
- Practice speaking in local language
- Prepare interview: “Why banking?”, “Your experience?”
Local Language Test (LLPT) – Don’t Ignore This!
If you didn’t study the language in school, you’ll face:
- Reading a paragraph
- Writing a short letter
- Speaking for 2 mins
How to prepare:
- Read local newspaper daily
- Talk to family in that language
- Write 1 page daily
Fail LLPT = No job — even if you top the exam.
Documents You NEED (Scan & Keep Ready)
- 10th, 12th, Graduation marksheets
- Degree certificate
- Experience letter (from bank HR)
- Caste/PwD certificate (if applicable)
- Aadhaar, PAN
- Photo, signature, thumb, declaration
FAQs (Real Questions People Ask Me)
Q: Can I apply for 2 states?
No. Only one. Choose smart.
Q: What if I have 11 months experience?
No. Must be full 1 year.
Q: Is calculator allowed?
No. Mental math only.
Q: When is admit card?
1 week before exam.
Q: Expected cut-off?
70–80 (UR), lower for reserved.
Final Words: You’ve Got This!
I’ve seen clerks become officers. I’ve seen small-town boys top the merit list.
If you have 1 year experience and know your state language — you’re already ahead of 90% candidates.
Start today:
- Apply now → Click here
- Download notification PDF
- Make a study corner
- Tell your family: “Bas 3 mahine, phir officer ban jaunga!”
Drop a comment below if you’re applying — I’ll reply to every single one.
Share this with your bank friends. Let’s get the whole group selected! 💪
