Are you seeking a rewarding career in the banking sector? Indian Overseas Bank (IOB), a prominent Public Sector Bank with its headquarters in Chennai and a widespread presence across India and abroad, has announced the recruitment of dynamic and enthusiastic candidates for the position of Local Bank Officer in Junior Management Grade Scale I (JMGS I). This is an excellent opportunity to join a prestigious organization and contribute to its growth while advancing your professional journey.

Key Details:

• Organization: Indian Overseas Bank (IOB)
• Position: Local Bank Officer
• Scale/Grade: JMGS I
• Number of Vacancies: 400
• Location: Various states across India (The selected candidate shall be posted in the applied state only)
• Application Period: May 12, 2025, to May 31, 2025
• Website: www.iob.in

Important Dates:

Activities	Dates
Payment of Application Fee	May 12, 2025, to May 31, 2025
Opening Date of Online Registration	May 12, 2025
Closing Date of Online Registration	May 31, 2025

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Vacancy Details:

IOB is recruiting Local Bank Officers for the following states. Candidates must demonstrate proficiency in the specified local language.

S.No.	State	Mandatory Language Proficiency	Vacancies	SC	ST	OBC	EWS	UR (GEN)	VI	Out Of Which (PwBD) HI	ID
1	Tamil Nadu	Tamil	260	39	19	70	26	106	2	2	3
2	Odisha	Odia	10	1	1	3	1	4	0	1	0
3	Maharashtra	Marathi	45	7	3	12	5	18	0	0	1
4	Gujarat	Gujarati	30	5	2	8	3	12	0	0	0
5	West Bengal	Bengali	34	5	3	9	3	14	1	0	0
6	Punjab	Punjabi	21	3	2	6	2	8	1	0	0
	TOTAL		400	60	30	108	40	162	4	4	4

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• SC – Scheduled Caste, ST – Scheduled Tribe, OBC – Other Backward Classes, EWS – Economically Weaker Section, UR (Gen) – Unreserved (General), PWBD – Persons with Benchmark Disabilities, HI – Hearing Impaired, OC – Orthopedically Challenged, VI – Visually Impaired, ID – Intellectual Disability[cite: 328, 330, 331].

Important Notes on Vacancies:

• Reservation for Physically Challenged persons is horizontal; selected candidates will be placed in their respective categories (SC/ST/OBC/EWS/UR-GEN).
• The number of vacancies is provisional and may vary.
• Candidates must apply for the vacancy in only one state.
• Merit lists will be drawn state-wise and category-wise.
• Selected candidates will be posted within the applied state for the first 12 years of service or until promotion to SMGS-IV Grade, whichever is earlier.
• Candidates must be proficient in reading, writing, and speaking the local language of the applied state.
• Advance increments may be provided for prior completed years of service as an Officer in Scheduled Commercial Banks, subject to certain conditions.

Eligibility Criteria:

Applicants must carefully review the eligibility criteria to ensure they qualify before applying.

• Nationality/Citizenship:
  • Citizen of India
  • Subject of Nepal or Bhutan
  • Tibetan refugee who came to India before January 1, 1962, to settle permanently
  • Person of Indian origin migrated from specific countries with the intention of permanently settling in India
• Age and Educational Qualification:
  • A Degree (Graduation) in any discipline from a University recognized by the Govt. Of India or any equivalent qualification recognized as such by the Central Government.
  • Age Limit: Minimum 20 years, Maximum 30 years (as of 01.05.2025)
  • Candidates must possess a valid Mark-sheet / Degree Certificate on the day of registration and indicate the percentage of marks obtained in Graduation while registering online.
• Age Relaxation:

S. No.	Category	Age Relaxation
1	Scheduled Caste/Scheduled Tribe Candidates	5 years
2	Other Backward Classes Candidates (Non-Creamy Layer)	3 years
3	Persons with Benchmark Disabilities	10 years
4	Persons affected by 1984 riots	5 years
5	Officers, including specific Ex-servicemen	5 years

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• Maximum age limit is applicable to General Category and EWS candidates.
• Cumulative age relaxation is available to eligible candidates, with a maximum upper age limit of 50 years for SC/ST/OBC candidates.
• Relevant certificates are required to claim age relaxation.
• OBC candidates belonging to the creamy layer are not eligible for OBC reservation and should apply as General category candidates.
• Ex-servicemen who have availed benefits for a government job cease to enjoy Ex-serviceman status for further employment.

Reservation for Persons with Benchmark Disabilities (PWBD):

• Reservation is available under “The Rights of Persons with Disabilities Act, 2016”.
• Eligible categories include Orthopedically Challenged (OC), Visual Impairment (VI), Hearing Impaired (HI), and Intellectual Disability (ID).
• Detailed definitions and conditions for each category are provided in the official notification.
• Candidates must submit a disability certificate from a Competent Authority.
• Only those with benchmark disabilities (not less than 40% of a specified disability) are eligible for reservation.
• Persons with temporary disabilities are not eligible for PwBD reservation in Direct Recruitment.

Economically Weaker Section (EWS):

• EWS candidates are those not covered under SC, ST, or OBC reservations and whose family has a gross annual income below Rs. 8.00 lakh.
• Persons owning specific assets are excluded from EWS status, irrespective of family income.
• Candidates must produce an Income and Asset Certificate issued by a Competent Authority.

Competent Authorities for Certificate Issuance:

• The specified authorities for issuing SC/ST/OBC, EWS, and PWBD certificates are defined.

Emoluments and Other Details:

• Pay Scale: Assistant Manager (Scale I) – Basic: 48480-2000/7-62480-2340/2-67160-2680/7-85920
• Allowances such as DA, HRA, and CCA will be as per rules.
• Probation Period: 2 years.
• Bond Amount: Selected candidates must execute a Financial Service Indemnity Bond for Rs. 2,00,000/- for a minimum service period of 3 years.
• Leave and travel allowances will be as per the bank’s service rules.

Selection Process:

• The selection process includes an Online Examination, a Language Proficiency Test (LPT), and a Personal Interview.
• Candidates qualifying for the Online Examination will be called for the LPT, and those qualifying in both will be called for the Personal Interview.

Online Examination Structure:

Topic	Number of Questions	Maximum Marks	Medium of Exam	Duration
Reasoning and Computer Aptitude	30	60	English & Hindi	60 minutes
General/Economy/Banking Awareness	40	40	English & Hindi	30 minutes
Data Analysis and Interpretation	30	60	English & Hindi	60 minutes
English Knowledge	40	40	English	30 minutes
Total	140	200		3 hours

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• The exam will have 140 objective-type questions.
• The total duration is 3 hours, with separate timing for each section.
• Sectional qualifying marks are 30% for reserved candidates and 35% for unreserved candidates.
• There is a penalty of 0.25 marks for each wrong answer.
• The bank reserves the right to modify the exam structure.

Language Proficiency Test (LPT):

• Candidates must be proficient in the local language of the state they are applying for.
• Candidates shortlisted for the Personal Interview must qualify for the LPT.
• Candidates who have studied the local language in the 10th or 12th standard are exempt from the LPT.

Personal Interview and Final Selection:

• A merit list will be prepared based on online examination marks, and candidates must have qualified in the LPT.
• Candidates securing minimum qualifying marks in the online examination and LPT will be called for the Personal Interview.
• The final selection will be based on the combined score of the Online Exam and Personal Interview, with a weightage ratio of 80:20, respectively.

Application Guidelines:

• Candidates must apply for only one state.
• The last submitted application will be considered if a candidate applies multiple times for the same state.
• Applications must be submitted online between May 12, 2025, and May 31, 2025.

Prerequisites for Applying Online:

• Candidates should carefully read the detailed advertisement on the IOB website (www.iob.in).
• Candidates must have a scanned photograph and signature as per the specified format

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• Candidates must have a valid personal email ID.
• Application fees must be paid online.

Application Fee/Intimation Charges:

• Rs. 100/- for SC/ST/PWBD candidates.
• Rs. 600/- for all other candidates.
• Fees must be paid online; no other mode is accepted.
• Fee once paid will not be refunded.

How to Apply:

• Candidates must apply online through the IOB website (www.iob.in).
• Detailed instructions for online application are provided in the official notification.
• Ensure all required documents are uploaded correctly.

Documents to be Uploaded:

• Scanned photograph (20kb-50kb, 200 x 230 pixels)
• Scanned signature (10kb-20kb, 140 x 60 pixels)
• Left thumb impression (20kb-50kb)
• Handwritten declaration (50kb-100kb)

Handwritten Declaration:

• “I, ____________ (Name of the candidate), hereby declare that all the information submitted by me in the application form is correct, true, and valid. I will present the supporting documents as and when required.”
• The declaration must be in the candidate’s handwriting and in English only.

General Instructions:

• Candidates are advised to frequently visit the IOB website for updates.
• IOB will not be responsible for any consequences arising from incorrect information provided by the candidate.
• Canvassing in any form will disqualify the candidate.
• Mobile phones and electronic devices are prohibited during the examination.
• IOB reserves the right to postpone, cancel, or modify the recruitment process.
• In case of any ambiguity, the English version of the advertisement will prevail.

Pre-Examination Training:

• IOB may arrange pre-examination training for SC/ST/Minority Community/Ex-servicemen/PwBD candidates at certain centers.
• Candidates must indicate their interest in the training when applying.
• Training is free of charge, but candidates must bear their own travel and accommodation expenses.

Scribe for Persons with Benchmark Disabilities:

• PwBD candidates eligible for a scribe must indicate this when applying.
• Guidelines are provided for using a scribe, including eligibility criteria for the scribe and rules for compensation.

Identity Verification:

• Candidates must bring specified documents for identity verification during the examination and interview.

List of Documents:

• Printout of the valid Online Application Receipt.
• Valid system generated printout of the online examination call letter.
• Proof of Date of Birth (Birth Certificate issued by the competent municipal authorities / SSLC/SSC/HSC/10th Standard/ equivalent certificate)
• Photo Identity Proof as indicated in the application form / Call Letter.
• Mark-sheets / Certificates for Graduation or equivalent qualification etc.
• Caste Certificate issued by the competent authority in the prescribed format as stipulated by Government of India in the case of SC / ST / OBC category candidates.
• Disability certificate in the prescribed format issued by the District Medical Board/ Civil Surgeon/ Chief Medical Officer of the district concerned.
• An Income and Asset Certificate to be issued by any one of the Authorities as notified by the Government of India in the prescribed format in the case of Economically Weaker Section (EWS) category candidates.
• Ex-servicemen candidates should submit a copy of the Service Discharge book.
• Persons serving in Government / Public sector Undertakings will have to produce a “No Objection Certificate” from their employer at the time of interview, in absence of which their candidature will not be considered.
• Any other relevant documents in support of eligibility.

Exam Centers:

• The online examination will be held at various centers across India.
• Candidates can choose their preferred exam center, but IOB reserves the right to allocate a different center.
• A tentative list of exam centers is provided in the official notification.

FAQ (Frequently Asked Questions):

1. What is the job title? The job title is Local Bank Officer in Junior Management Grade Scale I (JMGS I).
2. How many vacancies are available? There are a total of 400 vacancies across various states in India.
3. What is the application period? The application period is from May 12, 2025, to May 31, 2025.
4. Where can I apply? You can apply online through the official IOB website: www.iob.in.
5. What is the age limit for the position? The age limit is 20-30 years as of 01.05.2025, with relaxations for specific categories.
6. What is the educational qualification required? A Degree (Graduation) in any discipline from a University recognized by the Govt. of India or any equivalent qualification recognized as such by the Central Government.
7. Is there any age relaxation? Yes, age relaxation is available for SC/ST/OBC/PwBD/Ex-servicemen and other eligible categories. Refer to the official notification for detailed information.
8. What is the selection process? The selection process includes an Online Examination, Language Proficiency Test (LPT), and Personal Interview.
9. What is the application fee? The application fee is Rs. 100/- for SC/ST/PWBD candidates and Rs. 600/- for all other candidates.
10. What documents do I need to upload during application? You need to upload a scanned photograph, signature, left thumb impression, and handwritten declaration.
11. Do I need to know the local language? Yes, proficiency in the local language of the applied state is mandatory.
12. Will there be a probation period? Yes, the probation period is 2 years.
13. What is the bond amount? Selected candidates must execute a Financial Service Indemnity Bond for Rs. 2,00,000/- for a minimum service period of 3 years.
14. Where will I be posted? Selected candidates will be posted in the applied state for the first 12 years of service or until promotion to SMGS-IV Grade, whichever is earlier.
15. What is the structure of the online examination? The online examination has four sections: Reasoning and Computer Aptitude, General/Economy/Banking Awareness, Data Analysis and Interpretation, and English Language. The total number of questions is 140, and the total marks are 200.

Important Links:

Link Description	URL
Apply Online	Click here
Official Notification	Click here
Join Telegram Channel	Click here
Join Whatsapp Channel	Click here
Join Facebook Page	Click here
Follow on Instagram	Click here
Join on X (Twitter)	Click here
More Job Opportunities	Click here

the Indian Overseas Bank (IOB) Job Posting:

• Indian Overseas Bank (IOB)
• Local Bank Officer
• JMGS I
• Public Sector Bank
• Banking Sector
• Recruitment
• Online Application
• Graduation
• Age Limit
• Age Relaxation
• Scheduled Caste/Scheduled Tribe
• Other Backward Classes
• Persons with Benchmark Disabilities
• Economically Weaker Section (EWS)
• Online Examination
• Language Proficiency Test (LPT)
• Personal Interview
• Application Fee
• Eligibility Criteria
• Selection Process
• Job Profile
• Probation Period
• Pay Scale