Local Bank Officers in Junior Management Grade Scale I (JMGS I) - Apply Now

Name of the post

• Local Bank Officers in Junior Management Grade Scale I (JMGS I)

The Punjab & Sind Bank (PSB) is a prominent public sector bank in India, established on June 24, 1908, in Amritsar by visionary leaders like Bhai Vir Singh, Sir Sunder Singh Majitha, and Sardar Tarlochan Singh. Today, PSB operates with over 1,500 branches and a strong presence in northern India, offering a wide range of services including retail banking, corporate banking, agricultural loans, MSME financing, and digital banking solutions. With assets exceeding ₹1 lakh crore and a workforce dedicated to excellence, PSB has evolved into a reliable financial partner, blending its rich heritage with modern technology to serve diverse customer needs across urban and rural areas.

Status of result: Not declared.

The online examination is scheduled for October 2025, and as of September 02, 2025, the results have not been announced.

Total numbers of posts

750 Posts

State-wise and Category-wise Vacancies:

S. No.	State	Mandatory Language Proficiency	SC	ST	OBC	EWS	UR	Total	VI	HI	OC	MD/ID
1	Andhra Pradesh	Telugu	12	6	21	8	33	80	8	8	8	8
2	Chhattisgarh	Chhattisgarhi	6	3	10	4	17	40	-	-	-	-
3	Gujarat	Gujarati	15	7	27	10	41	100	-	-	-	-
4	Himachal Pradesh	Dogri	4	2	8	3	13	30	-	-	-	-
5	Jharkhand	Santhali	5	2	9	3	16	35	-	-	-	-
6	Karnataka	Kannada	9	4	17	6	29	65	-	-	-	-
7	Maharashtra	Marathi	15	7	27	10	41	100	-	-	-	-
8	Odisha	Oriya	12	6	22	8	37	85	-	-	-	-
9	Puducherry	Tamil	0	0	1	0	4	5	-	-	-	-
10	Punjab	Punjabi	9	4	16	6	25	60	-	-	-	-
11	Tamil Nadu	Tamil	12	6	22	8	37	85	-	-	-	-
12	Telangana	Telugu	7	3	13	5	22	50	-	-	-	-
13	Assam	Assamese	2	1	4	1	7	15	-	-	-	-
Total	-	-	108	51	197	72	322	750	8	8	8	8

Note: Vacancies are provisional and may vary.

PwD vacancies are horizontal (VI: Visual Impaired, HI: Hearing Impaired, OC: Orthopedically Challenged, MD/ID: Multiple Disability/Intellectual Disability). No reservation for Ex-Servicemen in Officers' Cadre.

Age requirement Category wise

Minimum Age: 20 years,

Maximum Age: 30 years (as on 01.08.2025; born not earlier than 02.08.1995 and not later than 01.08.2005, both dates inclusive).

Category-wise Relaxation in Upper Age Limit:

• Scheduled Caste/Scheduled Tribe (SC/ST): 5 years

• Other Backward Classes (Non-creamy layer) (OBC): 3 years

• Persons With Benchmark Disabilities (PwBD): 10 years

• Persons affected by 1984 riots: 5 years

• Ex-Servicemen: 5 years (for those who have rendered at least 5 years military service and released on completion of assignment, not due to misconduct/inefficiency/physical disability)

Note: Relaxation is cumulative with only one other category. Maximum age applies to General and EWS categories. OBC certificate must include non-creamy layer clause.

Salary/ stiped posts wise

For JMGS I

• Scale of Pay: ₹48,480 - 2,000/7 - 62,480 - 2,340/2 - 67,160 - 2,680/7 - 85,920

• LBOs join at initial scale with 3 increments (as per Joint Note).

• Additional: Dearness Allowance (DA), House Rent Allowance (HRA)/Leased Accommodation (as per scale and location), City Compensatory Allowance (CCA), Medical Aid, Leave Travel Concession (LTC), Terminal Benefits, and other perquisites as per prevailing rules.

• Increments for JAIIB and CAIIB qualifications (if acquired) are protected and adjusted at joining.

Education qualifications:

For JMGS I

• A Degree (Graduation) in any discipline from a University recognized by the Government of India or any equivalent qualification recognized as such by the Central Government.

• Candidate must possess valid Mark-sheet/Degree Certificate indicating the percentage of marks obtained in Graduation while registering online.

• Calculation of Percentage: Total marks obtained in all subjects/semesters/years divided by aggregate maximum marks, multiplied by 100 (fractions ignored, e.g., 59.99% treated as less than 60%).

• All educational qualifications must be from recognized University/Institute/Board approved by Government Regulatory Bodies.

Note: Candidates terminated or removed from previous employer are ineligible.

Experience requirement

For JMGS I

• Post-basic qualification work experience of 18 months or more in Officer cadre in any Public Sector Bank (PSB)/Regional Rural Bank (RRB) on regular basis.

• Experience in NBFCs, Cooperative banks, private banks, payment banks, small finance banks, or fintechs will not be considered.

• Experience certificate must be submitted at the time of application as per Annexure-I format.

Important Information

• This is lateral recruitment; selected candidates will be posted in the applied state initially.

• Proficiency in mandatory local language (reading, writing, understanding) is required; test conducted as part of selection process (exempt if studied in 10th/12th standard).

• General cadre, governed by Bank's promotion policy. No inter-state transfer/Controlling Office Posting (ZO/HO)/special branches (CBB, Currency Chest, ARB, RCC) up to SMGS-IV or 12 years of service, whichever earlier.

• Probation Period: 6 months.

• Service Bond: Equivalent to 3 months' gross salary (initial basic + DA + Special allowance + DA on Special allowance) for 3 years. Must serve minimum 3 years from joining date; resignation before requires paying bond amount.

• Credit History: Minimum CIBIL score of 650 or above at joining; CIBIL Report from candidate's bank to be submitted at Document Verification.

• Posting: Anywhere in India after 12 years or SMGS-IV promotion.

• Present PSB employees ineligible.

Exam processes

The recruitment process includes an online written test, screening of applications, personal interview, proficiency test in local language, and final merit list preparation. The online test is conducted at specified centers across India. Shortlisting for interview is based on written test performance. Proficiency in local language is tested during interview for provisionally selected candidates. Document verification occurs before final selection. Bank reserves right to modify process or conduct re-exam if needed.

Selection process

• Written Test: Online exam (qualifying marks: 40% for UR/EWS, 35% for reserved categories per section).

• Screening: Applications screened for eligibility and experience.

• Personal Interview: Shortlisted candidates (ratio at Bank's discretion) called for interview (30% weightage).

• Proficiency in Local Language: Test during interview (exempt with 10th/12th proof); failure disqualifies.

• Final Merit List: Based on written test (70% weightage, out of 120 marks converted to 70) + interview (out of 50 marks converted to 30) = out of 100. Prepared state-wise and category-wise. In case of tie, ranked by age (descending).

• Final Selection: Top-ranked in merit list, subject to medical fitness, document verification, police verification, and antecedents.

• Bank may shortlist based on experience/suitability. Qualifying both test and interview mandatory.

Types of exams

Online Written Test (Objective, 120 minutes total, bilingual English/Hindi except English Language):

• English Language: 30 Questions, 30 Marks, 30 minutes

• Banking Knowledge: 40 Questions, 40 Marks, 40 minutes

• General Awareness/Economy: 30 Questions, 30 Marks, 30 minutes

• Computer Aptitude: 20 Questions, 20 Marks, 20 minutes Total: 120 Questions, 120 Marks.

Qualifying Marks

40% (UR/EWS),

35% (Reserved) per section; aggregate considered for shortlisting.

No mention of negative marking.

Compensatory time for PwBD/scribe users: 20 minutes per hour.

Important dates

• Commencement of Online Application: 20.08.2025

• Last Date of Online Application (including Edit/Modification & Payment of Fees): 04.09.2025

• Online Examination: October 2025

• All revisions/Corrigendum: Hosted on Bank's website only.

How to apply

Candidates must apply online through the Bank's website under "Recruitment". No other mode accepted.

Step-by-Step Guide:

1. Visit official website and click on "Recruitment" on the Home Page.

2. Click the relevant Notification for Lateral Recruitment of Local Bank Officers in JMGS I.

3. Register by providing basic details like name, email ID, mobile number to generate login credentials.

4. Login using the generated ID and password.

5. Fill the online application form carefully with personal, educational, experience, and other details. Select state and category.

6. Upload scanned documents: Photograph (4.5cm x 3.5cm, 20-50kb, jpg/jpeg), Signature (10-20kb, jpg/jpeg), Left Thumb Impression (20-50kb, jpg/jpeg), Handwritten Declaration (50-100kb, jpg/jpeg, text: "I, (Name), 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."), Experience Certificate (PDF).

7. Capture live photograph using webcam/mobile.

8. Preview and verify all details; no changes after submission.

9. Pay application fee online (SC/ST/PWD: ₹100 + taxes + gateway; General/EWS/OBC: ₹850 + taxes + gateway) via debit/credit card/net banking/UPI.

10. Submit the application and take printout of the system-generated form and e-receipt for records.

Note: Keep email/mobile active. Apply early to avoid technical issues.

Important links

Online Application Form	Check here
Official Notification	Check here
Official Website	Check here

Important notes

Prospective candidates must carefully read the advertisement to ensure eligibility in age, education, experience, and local language proficiency before applying for one state only. Applications are online via the Bank's website; no hard copies or other modes accepted. Keep email and mobile active for communications till final result. No changes in details/category/state post-submission; requests rejected. Upload clear documents as specified; mismatches lead to disqualification. Maintain CIBIL score ≥650; submit report at verification. Selected candidates execute service bond (3 months' gross salary for 3 years) and undergo 6-month probation. Posting initially in applied state; transfers after 12 years/SMGS-IV. PwBD candidates get reservations and facilities like scribes/compensatory time. False information/suppression results in cancellation/debarment/legal action. Bank may modify/cancel process without refund; check website for updates. No travel reimbursement for exam/interview. Final selection provisional, subject to medical fitness, document/police verification. Canvassing disqualifies. Disputes under Delhi jurisdiction. Apply early to avoid jams; Bank not responsible for delays.

Frequently asked questions

// What is the start date for online application?

The start date for online application is 20.08.2025.

// What is the last date for online application?

The last date for online application, editing, and fee payment is 04.09.2025.

// How many vacancies?

There are 750 vacancies for Local Bank Officers in JMGS I, distributed state-wise and category-wise as detailed above.

// Application Fees?

SC/ST/PWD: ₹100

General/EWS/OBC: ₹850; non-refundable.

// Is experience mandatory?

Yes, 18 months in Officer cadre in PSB/RRB on regular basis.

// Is local language proficiency required?

Yes, mandatory; test during interview unless proven via 10th/12th marksheet.

// Can I apply for multiple states?

No, one state only; multiple applications retain last valid one.

// What if I fail language test?

Candidature cancelled, no appointment offered.

// Is there negative marking in exam?

Not specified in advertisement.