Indian Overseas Bank IOB Local Bank Officer LBO Online Form 2025
The Indian Overseas Bank (IOB) has announced a recruitment drive for 400 Local Bank Officers (LBOs) in 2025. This is a great opportunity for candidates who want to work in the banking sector. The online application process starts on 12th May 2025 and ends on 31st May 2025.
1.1 What is a Local Bank Officer (LBO)?
- An LBO is responsible for managing day-to-day banking operations at the branch level.
- Duties include customer service, loan processing, account management, and promoting bank schemes.
- LBOs must be fluent in the local language of the state where they are posted.
1.2 Why Should You Apply?
✅ Government Job Security – Permanent position in a nationalized bank.
✅ Good Salary – Starting pay scale of ₹36,000–₹48,000 per month.
✅ Career Growth – Promotions to higher officer levels over time.
2. Detailed Eligibility Criteria
2.1 Nationality
- Must be an Indian citizen.
- Nepalese/Bhutanese refugees can apply if eligible.
2.2 Age Limit (as of 01/05/2025)
| Category | Minimum Age | Maximum Age | Age Relaxation |
|---|---|---|---|
| General | 20 years | 30 years | – |
| OBC | 20 years | 33 years | +3 years |
| SC/ST | 20 years | 35 years | +5 years |
| PwD (General) | 20 years | 40 years | +10 years |
| PwD (OBC) | 20 years | 43 years | +13 years |
| PwD (SC/ST) | 20 years | 45 years | +15 years |
🔹 Age relaxation as per Govt.. rules.
2.3 Educational Qualification
- Bachelor’s Degree in any discipline (Arts/Science/Commerce) from a recognized university.
- Computer Knowledge: Basic MS Office & internet skills required.
- Language Proficiency: Must know the local language of the applied state (e.g., Tamil for Tamil Nadu).
3. Vacancy Breakdown (State & Category-wise)
3.1 Category-wise Distribution (400 Posts)
| Category | No. of Posts | Percentage |
|---|---|---|
| UR (General) | 162 | 40.5% |
| OBC | 108 | 27% |
| SC | 60 | 15% |
| ST | 30 | 7.5% |
| EWS | 40 | 10% |
3.2 State-wise Vacancy & Language Requirement
| State | Local Language | Posts | Key Districts for Posting |
|---|---|---|---|
| Tamil Nadu | Tamil | 260 | Chennai, Coimbatore, Madurai |
| Odisha | Odia | 10 | Bhubaneswar, Cuttack, Rourkela |
| Maharashtra | Marathi | 45 | Mumbai, Pune, Nagpur |
| Gujarat | Gujarati | 30 | Ahmedabad, Surat, Vadodara |
| West Bengal | Bengali | 34 | Kolkata, Howrah, Siliguri |
🔹 Candidates must select their preferred state carefully (language test may apply).
4. Step-by-Step Online Application Process
4.1 Documents Required Before Applying
- Scanned Passport Photo (20–50 KB, JPEG)
- Scanned Signature (10–20 KB, JPEG)
- ID Proof (Aadhaar/PAN/Passport)
- Educational Certificates (Degree Mark Sheets)
- Caste Certificate (if applicable)
4.2 How to Apply Online?
1️⃣ Step 1: Visit the IOB Official Website → Careers → LBO Recruitment 2025.
2️⃣ Step 2: Click “New Registration” → Enter Name, Mobile, Email.
3️⃣ Step 3: Fill Application Form (Personal, Educational Details).
4️⃣ Step 4: Upload Documents (Photo, Signature).
5️⃣ Step 5: Pay Fee Online (Debit/Credit/Net Banking).
6️⃣ Step 6: Submit & Print Application Form.
🔹 Correction Window: If mistakes are made, corrections may be allowed for 2–3 days after submission.
5. Exam Pattern & Selection Process
5.1 Online Written Exam (Objective Type)
| Subject | Questions | Marks | Duration |
|---|---|---|---|
| Reasoning Ability | 50 | 50 | 2 Hours |
| Quantitative Aptitude | 50 | 50 | |
| English Language | 50 | 50 | |
| Banking Awareness | 50 | 50 | |
| Total | 200 | 200 |
🔹 Negative Marking: 0.25 marks deducted for each wrong answer.
5.2 Interview (50 Marks)
- Only shortlisted candidates from the written exam will be called.
- Questions on banking, current affairs, and local language proficiency.
5.3 Final Merit List
- Weightage: Written Exam (80%) + Interview (20%).
- Cut-off Marks: Category-wise minimum qualifying scores.
6. Salary Structure & Job Profile
6.1 Pay Scale
- Basic Pay: ₹36,000 (Starting)
- Gross Salary: ₹48,000 (approx. with allowances)
6.2 Allowances & Perks
- DA (Dearness Allowance) – Revised quarterly.
- HRA (House Rent Allowance) – 8%–24% of basic pay.
- Medical Benefits – Free health insurance.
- Pension Scheme – Under NPS (New Pension System).
6.3 Career Growth
- Promotion Path: LBO → Senior Officer → Chief Manager → AGM.
- Internal Exams: Fast-track promotions via internal tests.
7. Preparation Strategy for the IOB LBO Exam
7.1 Best Books for Preparation
| Subject | Recommended Book | Author |
|---|---|---|
| Reasoning | “A Modern Approach to Verbal & Non-Verbal Reasoning” | R.S. Aggarwal |
| Quantitative Aptitude | “Quantitative Aptitude for Competitive Exams” | R.S. Aggarwal |
| English | “Objective General English” | S.P. Bakshi |
| Banking Awareness | “Banking Awareness” | Arihant Publications |
7.2 Study Plan (3 Months)
- Month 1: Focus on basics (Maths, Reasoning, Grammar).
- Month 2: Practice mock tests & previous papers.
- Month 3: Revise Banking Awareness & Current Affairs.
🔹 Daily Time Allocation: 4–5 hours (2 hrs theory + 2 hrs practice).
FAQs
Q1. Can final-year students apply?
❌ No, the degree must be completed before applying.
Q2. Is the exam bilingual?
✅ Yes (English + Local Language).
Q3. What is the probation period?
📌 2 years (may vary).
Q4. What is the last date to apply for the IOB LBO 2025?
📌 31 May 2025.
Q5. Is the local language compulsory?
Yes, you must know the state’s local language.
Conclusion
This is a great opportunity for candidates looking for a banking job. Make sure to apply before the last date and prepare well for the exam.
For more updates, check Jobforgovt.com or the official IOB website.
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