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Bank Exam Syllabus and Pattern for PO, Clerk and RBI Posts

BankingGraduate levelPrelims and mainsUpdated 26 Oct 2026

The bank exam syllabus for nearly every PO and clerk post comes down to reasoning, quantitative aptitude, English and, in the mains, banking and financial awareness. IBPS, the State Bank of India and the Reserve Bank of India each set their own pattern, with sectional time limits that make speed as important as knowledge.

This hub sets the main banking exams side by side, shows how their prelims and mains differ, and suggests a route from clerk level preparation to officer level papers.

Speed tests with sectional timers

Exam at a glance

  • Conducting bodies

    IBPS, State Bank of India, Reserve Bank of India, NABARD, insurance companies
  • Qualification

    A degree in any subject for PO and clerk posts; RBI Grade B asks for minimum marks
  • Stages

    Prelims, mains, then interview for officer posts or a language test for some clerk posts
  • Mode

    Online objective tests, plus a typed descriptive paper in PO mains
  • Negative marking

    One quarter of the marks of the question for each wrong answer
  • Official websites

    ibps.in for IBPS exams

Bank exam syllabus compared: PO, clerk and RBI

Main bank exams side by side (general category)
ExamAgeStages
IBPS PO20 to 30Prelims, mains with descriptive paper, personality test, interview
IBPS Clerk20 to 28Prelims, mains (no interview)
SBI PO21 to 30Prelims, mains with descriptive paper, psychometric test, group exercise and interview
SBI ClerkCheck the latest notificationPrelims, mains, local language test
IBPS RRB Officer Scale I18 to 30Prelims, mains, interview
IBPS RRB Office Assistant18 to 28Prelims, mains
RBI Assistant20 to 28Prelims, mains, language proficiency test
RBI Grade B21 to 30Phase 1, Phase 2, interview

All of these accept graduates of any discipline, except the specialist streams of RBI Grade B. RBI Grade B (general) wants 60 percent in graduation (50 percent for SC, ST and PwBD) or 55 percent in post graduation. IBPS Clerk also asks for computer literacy, and the regional rural bank posts expect you to know the local language of the state you apply for.

Banking exam pattern: how prelims differ

Prelims for the PO and clerk exams of IBPS and SBI, and for RBI Assistant, lasts one hour, split into three timed sections of 20 minutes each. The split of questions is where they part ways.

Prelims pattern in the latest notices we confirmed
ExamEnglishQuantReasoningSectional cut off
IBPS PO30 questions, 30 marks35 questions, 30 marks35 questions, 40 marksYes
IBPS Clerk30 questions35 questions35 questionsYes
SBI PO40 questions30 questions30 questionsNo, aggregate only
RBI Assistant30 questions35 questions35 questionsCheck the notice

For the IBPS RRB Office Assistant post, prelims has only reasoning and numerical ability, for 80 marks. A wrong answer in any objective section costs a quarter of that question's marks, so a reckless guess in the last minute can undo a good section.

Bank PO syllabus at mains level

Mains is where officer and clerk papers really separate. In the latest IBPS PO scheme the objective mains has 145 questions for 200 marks in 160 minutes across reasoning, English, data analysis and interpretation, and an awareness section on banking, the economy, digital finance and current affairs that now includes RBI circulars. A 30 minute typed descriptive test of 25 marks follows, with one comprehension and one essay.

SBI PO mains is longer: 170 questions for 200 marks in three hours, with reasoning and computer aptitude, data analysis, general and banking awareness and English, plus a descriptive paper of an email, a situation analysis and either a report or a precis, reported at 30 marks. Its third phase adds a psychometric test, a group exercise of 20 marks and an interview of 30 marks.

RBI Grade B Phase 2 goes beyond aptitude altogether: economic and social issues, English writing and finance and management, each worth 100 marks.

Bank clerk exam syllabus and topics that repeat

The bank clerk syllabus is the same family of topics at a slightly lower level. IBPS Clerk mains has 155 questions for 200 marks in 120 minutes, covering general and financial awareness, general English, reasoning and quantitative aptitude, and only mains marks count for the final list.

  • Reasoning: floor and box puzzles, circular and linear seating, coded inequality, syllogism, ranking, family tree questions, directions, coding, and input and output in PO mains.
  • Quant: data interpretation from tables and charts, quadratic equations, wrong number and missing number series, simplification and approximation, arithmetic word problems, data sufficiency.
  • English: reading comprehension, cloze test, error detection, sentence rearrangement, word swap and fillers.
  • Awareness: current affairs of the last six months, banking terms, RBI policy tools, government schemes and static GK such as headquarters and currencies.
  • Computer: basics of hardware, software, networking and shortcuts, tested inside reasoning in SBI PO mains.

Bank exam syllabus books and study material

A small, well used set of books beats a heavy pile. A good set looks like this:

  • One school level arithmetic book for percentages, ratio, interest and time and work, then a separate book of data interpretation sets.
  • One reasoning book with a large puzzle section, since puzzles decide most mains scores.
  • A standard English grammar book, plus the editorial page of a national newspaper every day.
  • A monthly current affairs compilation, and the press releases section of the RBI website for banking awareness.
  • Full length online mocks in the exact sectional time format, at least two a week in the last two months.
Ankit is in the final year of BSc and wants to sit IBPS Clerk and IBPS PO in the same season. He reads one editorial every morning, solves one puzzle set and one data interpretation set every evening, and treats every Sunday as a full prelims mock day. When the clerk prelims is over, he uses the gap before PO mains to practise typing the descriptive paper against a 30 minute timer.

Bank syllabus in Hindi for PO and clerk exams

Readers often look for the banking syllabus in Hindi. Here is a short summary; the full topic lists are on each exam page.

बैंक पीओ और क्लर्क दोनों परीक्षाओं में प्रारंभिक परीक्षा एक घंटे की होती है, जिसमें रीज़निंग, संख्यात्मक योग्यता और अंग्रेज़ी के तीन खंड होते हैं और हर खंड को 20 मिनट मिलते हैं। मुख्य परीक्षा में इन विषयों के साथ बैंकिंग, अर्थव्यवस्था और सामान्य जागरूकता जुड़ जाती है। पीओ की मुख्य परीक्षा में कंप्यूटर पर टाइप करके वर्णनात्मक पेपर भी देना होता है, और उसके बाद इंटरव्यू होता है। हर गलत उत्तर पर उस प्रश्न के एक चौथाई अंक कटते हैं। अंग्रेज़ी का खंड केवल अंग्रेज़ी में आता है।

IBPS revised its PO marks split and descriptive format in its most recent cycle. Confirm the scheme in the notice for your own cycle before fixing your plan.

Frequently asked questions

Is the bank PO syllabus different from the bank clerk syllabus?

The topics overlap heavily, but PO papers are set at a higher level and add a descriptive test, a personality or psychometric test and an interview. Clerk selection usually rests on mains marks alone, with a language test in some exams.

Which subject decides bank exam results most often?

Reasoning puzzles and data interpretation take the most time and separate scores in mains. In prelims, English and quant speed matter more because each section has a strict 20 minute window.

Do bank exams need a commerce degree?

No. The PO and clerk posts of IBPS and SBI, and the RRB posts, accept a degree in any subject. Some specialist posts and RBI Grade B streams have their own conditions.

Can I write bank exams in Hindi?

Yes, you can choose Hindi or English for the reasoning, quant and awareness sections, and IBPS adds regional languages for clerk exams. The English language section is only in English.

What are the age limits in bank exams?

Yes. In recent notices IBPS PO took candidates aged 20 to 30, IBPS Clerk 20 to 28 and SBI PO 21 to 30, with relaxation for reserved categories. Check the exact birth date window in each notice.

How many hours a day should I study for a bank exam?

Working candidates manage with two focused hours on weekdays and a mock on weekends. What matters more is daily puzzle and data interpretation practice under a timer.

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