Introduction to Indian Overseas Bank Local Bank Officer Recruitment 2025

Indian Overseas Bank (IOB), a prominent public sector bank in India, has announced its recruitment drive for Local Bank Officers (LBO) in Junior Management Grade Scale I (JMGS I) for the year 2025-26. This presents a significant opportunity for eligible graduates seeking a stable and rewarding career in the banking sector. A total of 400 vacancies have been advertised across various states in India. Interested and eligible candidates can apply online from May 12, 2025, to May 31, 2025, through the official IOB website. This article provides a comprehensive guide to the IOB Local Bank Officer Recruitment 2025, covering all essential details.

Organization Details: Indian Overseas Bank

Hiring Body: Indian Overseas Bank (A Government of India Undertaking)
Number of Posts: 400
Location: Various states across India. Selected candidates will be posted in the applied state only.

IOB Local Bank Officer Vacancy Breakdown 2025

The vacancies are distributed across different states and categories. Candidates must be proficient in the local language of the state they are applying for (reading, writing, and speaking). Here’s a summary of the state-wise vacancy distribution:

State	Mandatory Language Proficiency	Total Vacancies
Tamil Nadu	Tamil	260
Odisha	Odia	10
Maharashtra	Marathi	45
Gujarat	Gujarati	30
West Bengal	Bengali	34
Punjab	Punjabi	21
Total		400

Eligibility Criteria for IOB Local Bank Officer 2025

Candidates must ensure they fulfill the following eligibility criteria as of May 1, 2025, before applying:

Educational Qualification:
- 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.
- The candidate must possess a valid Mark-sheet / Degree Certificate confirming they are a graduate on the day of registration and must indicate the percentage of marks obtained in Graduation while registering online.
Age Limit (as on 01.05.2025):
- Minimum Age: 20 years
- Maximum Age: 30 years
- Candidates must have been born not later than May 1, 2005, and not earlier than May 2, 1995 (both days inclusive).
Age Relaxation:
- Scheduled Caste/ Scheduled Tribe (SC/ST): 5 years
- Other Backward Classes (OBC) (Non-Creamy Layer): 3 years
- Persons with Benchmark Disabilities (PwBD): 10 years
- Ex-servicemen and Persons affected by 1984 riots: 5 years
- Refer to the official notification for detailed information on age relaxation for other categories and cumulative relaxation.
Nationality/Citizenship:
- A candidate must be a Citizen of India, or a subject of Nepal or Bhutan, or a Tibetan refugee who came to India before January 1, 1962, with the intention of permanently settling, or a person of Indian origin who has migrated from specified countries with the intention of permanently settling in India.
- Candidates belonging to categories other than Citizen of India must have a certificate of eligibility issued by the Government of India.
Language Proficiency: Candidates should be proficient (reading, writing, and speaking) in the desired local language of the state they are applying for. A language proficiency test will be part of the selection process for shortlisted candidates.
Experience: Freshers are Eligible. However, one advance increment in pay will be given for each prior completed year of service as an Officer in Scheduled Commercial banks, up to a maximum of two increments, if the job profile matches IOB’s Scale-I Generalist officer profile. Candidates working with subsidiaries of Scheduled Commercial Banks are eligible for only one increment. Prior experience will not count for service seniority.
Credit History: Candidates must maintain a healthy credit history and have a minimum CIBIL score of 650 or above at the time of joining.

Important Dates for IOB LBO Recruitment 2025

Mark your calendars with these important dates:

Activity	Dates
Payment of Application Fee / Intimation Charges	May 12, 2025, to May 31, 2025
Opening Date of Online Registration	May 12, 2025
Closing Date of Online Registration	May 31, 2025
Online Examination Date	To be notified later
Language Proficiency Test Date	To be notified later
Personal Interview Date	To be notified later

Salary & Benefits for IOB Local Bank Officer

Selected candidates will be appointed as Assistant Manager (Scale I) and will be entitled to the following pay scale and allowances:

Pay Scale: ₹48480 – 2000/7 – 62480 – 2340/2 – 67160 – 2680/7 – 85920 (as on 01.05.2025).
Allowances: Dearness Allowance (DA), House Rent Allowance (HRA), City Compensatory Allowance (CCA), etc., as per bank rules in force.
Probation Period: Selected candidates will be on probation for 2 years of active service from the date of joining.
Bond: Candidates will be required to execute a Financial Service Indemnity Bond for ₹2,00,000 for serving a minimum period of 3 years.
Leave and Travel Allowance: As per the Service Rules of the Bank.

Selection Process for IOB Local Bank Officer Recruitment

The selection process will involve the following stages:

Online Examination:
- The online exam will consist of objective-type questions.
- There will be sectional qualifying marks (30% for reserved and 35% for unreserved candidates).
- There will be a penalty for wrong answers (1/4th or 0.25 of the marks assigned to that question will be deducted).
- The structure of the exam is as follows:

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

Language Proficiency Test (LPT):
- Candidates qualifying in the Online Examination will be called for the LPT.
- Proficiency in the local language (reading, writing, and speaking) of the applied state is mandatory.
- Candidates who produce 10th or 12th standard marksheets/certificates evidencing having studied the specified local language will not be required to undergo the LPT.
- Failing the LPT will lead to disqualification from the Personal Interview.
Personal Interview:
- Candidates qualifying in both the online exam and LPT will be called for a Personal Interview.
- The minimum qualifying marks for the interview will be decided by the Bank.
Final Selection:
- The final selection will be based on the combined scores of the Online Examination and Personal Interview, with a weightage ratio of 80:20 respectively.
- The merit list will be prepared state-wise and category-wise.

How to Apply Online for IOB Local Bank Officer Recruitment 2025

Candidates must apply online through the official IOB website. Here’s a step-by-step guide:

Visit the official IOB website.
Navigate to the “Careers” page.
Click on the link “Recruitment of Local Bank Officers 2025-26”.
Read the detailed advertisement carefully to ensure eligibility.
Click on “Click here to Register Online”.
Register by providing the necessary details. A Registration Number and Password will be sent via E-mail and SMS.
Log in using the Registration Number and Password.
Fill in the online application form with accurate details.
Upload scanned copies of your photograph, signature, left thumb impression, and handwritten declaration as per the specifications given in Annexure I of the notification.
Pay the application fee online.
Review the application form carefully before final submission.
Take a printout of the submitted online application form and the e-receipt for future reference.

Pre-requisites for Applying Online:

A valid personal email ID and mobile number.
Scanned copies of photograph, signature, left thumb impression, and a handwritten declaration. (Refer to Annexure I of the notification for detailed guidelines on scanning and uploading documents).

Application Fees for IOB Recruitment 2025

The application fees (non-refundable) are as follows:

Category of Applicant	Application Fee (inclusive of GST)
SC/ST/PwBD (Only Intimation charges)	₹175/-
GEN/EWS/OBC	₹850/-

Payment can be made using Debit Card/Credit Card/Internet Banking/BHIM/UPI, etc.

Official Notification & Apply Link

Download Official Notification PDF: Download Now
Online Application Link (From 12.05.2025): Apply Online
Official Website: Visit Now

This recruitment drive by Indian Overseas Bank offers a promising career path for eligible graduates. Ensure you meet all the criteria and submit your application well before the deadline. Good luck!