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SBI Exams 2023

About SBI Exams

SBI Exams are conducted by the State Bank of India to hire eligible candidates for various posts like:

  1. SBI Probationary Officer (PO)
  2. SBI Clerk (Junior Associates)
  3. SBI Specialist Cadre Officer (SCO/ SO)

In this article, we shall explore everything that an aspirant ought to know about the different SBI bank exams.

The State Bank of India (SBI) was established on June 2, 1806 as Bank of Calcutta. It is considered as one of the largest banks by asset size. It has the highest number of domestic branches spread across the length and breadth of India and has a strong international presence too.

SBI is regarded as the prime banker to Digital India and a market leader in providing internet banking services to almost 2.5 crores(approx.) users. SBI has also championed in providing loans to farmers and is contributing its bit towards the Green Revolution. It has sparked an academic revolution by providing scholar loans too in the rural sector of the country.

In India, working in SBI is considered as an attractive employment opportunity. Hence, candidates who wish to benefit from this opportunity need to prepare themselves in such a way so that they can beat the competition and be one among the millions to make it to the final list of selected candidates.

Need some guidance to kick-start your bank exam preparation? Reliable Academy has designed well-structured courses and study materials which empowers candidates to kick-start their SBI bank exams preparation with ease and embark on a highly enriching and fulfilling banking career.

SBI Eligibility

Candidates who are interested in working at State Bank of India in the posts of Probationary Officer (PO), Clerk or Specialist Officer (SO) need to carefully examine the SBI eligibility criteria properly before applying for the respective job posting.

Given below are the essential eligibility criteria for the different SBI examinations – PO, Clerk & SO in 2021:

  1. Nationality
  2. Educational Qualification
  3. SBI Age Limit

SBI Admit Card

State Bank of India (SBI) releases the Admit Cards of SBI PO, Clerk & SO exams on its official website at least 10 – 15 days before the commencement date of the exam. Candidates should monitor the SBI official page regularly for latest updates on the SBI Admit Card for both Prelims & Mains Exams.

SBI Exam Pattern

SBI Recruitment

The State Bank of India conducts recruitment annually, and aspirants are now looking forward to the SBI notification for SO, PO and Clerk for the year 2021. Being the largest public sector bank in India, State Bank of India recruits new resources through the following SBI bank exams every year:

1. SBI PO Exam

It is also known as the SBI Probationary Officer (PO) Exam. The SBI PO exam mainly selects candidates for the management cadre of the Bank. The selected candidates are deputed to the role of Probationary Officers during the training phase. Later, they move on to management roles on completion of their training.

The SBI PO exam is categorised into three stages:

  • SBI PO Preliminary Exam: The SBI PO Prelims usually skims the candidates from a huge lot for the next stage of the exam. It retains about 2.8% of the total number of applicants for the SBI Mains examination.
  • SBI PO Main Exam: In the SBI PO Mains section, the performance of the candidates is assessed in such a way which helps in determining whether they are eligible to make it to the next stage of the exam. The SBI PO exam paper comprises of two sections:
    • Objective test: In this section, the focus is mainly on core knowledge areas which are required in the modern workplace. The SBI PO exam syllabus consists of Data Analysis & Interpretation, General Knowledge, Reasoning & Computer Aptitude, Economy, Banking Awareness and English.
    • Descriptive test: This test primarily measures the candidates’ ability to use written English language skills in a business setting.
  • SBI PO Group Discussion and SBI PO Interview: Candidates who clear the SBI PO Mains exam are put through group discussion and interview, which is the final stage of selection before a merit list of final selected candidates is listed.

2. SBI Clerk Exam

The SBI Clerk Exam mainly recruits new employees in the position of Junior Associates for the clerical cadre of the Bank. There are two different stages in this SBI exam:

  • SBI Clerk Preliminary Exam: This exam is also called as SBI Clerk Prelims. This exam is the initial stage of the clerical cadre of the banking giant which filters out candidates for the next level.
  • SBI Clerk Mains Exam: This SBI exam is commonly referred to as the SBI Clerk Mains. In this stage, the marks that candidates secure usually determines the selection status of candidates as clerks in the State Bank.
  • SBI Interview: There is no interview in this stage, and the SBI exam results are announced in a couple of months from the SBI Clerk Mains exam, and the final selected candidates are deputed on merit-basis.

3. SBI SO Exam

The SBI SO exam aims to recruit Specialist Officers(SO) for the Bank. SBI Specialist Officer aspirants have to mandatorily fulfil the minimum SBI SO eligibility requirements to appear in the SBI Selection Process set by State Bank of India. The selection process of this exam primarily consists of an interview which emphasises on the work experience and specialisation of the candidates.

SBI Syllabus

The SBI bank exam syllabus is pretty similar to other bank exams. Irrespective of test type – SBI PO, Clerk or SO, candidates are assessed based on the following sections:

  1. Quantitative Aptitude
  2. Reasoning Ability
  3. English Language
  4. General Awareness
  5. Professional Banking Knowledge

There is a wide range of topics which are covered under each section type. Students should consult prior years SBI exam papers, refer sample papers and take mock tests to get a good understanding of the weightage of each section. Besides, having some necessary know-how of the exam pattern would be of great help before candidates sit for the main SBI exam.

The syllabus of SBI PO exam is segregated into three tiers:

  1. Prelims (online written test)
  2. Mains (online written test)
  3. Group Discussion & Interview

SBI PO Prelims Syllabus

We have stated earlier that the SBI PO exam syllabus is similar to the curriculum of any other PSU banks. The SBI PO Prelims syllabus primarily consists of three major sections that a candidate needs to ace before moving to the next level, i.e. Mains.

The SBI PO Preliminary Exam syllabus comprises three sections:

  1. Quantitative Aptitude
  2. Reasoning Ability
  3. English Language

Here is the detailed SBI PO syllabus of the Preliminary examination:

SBI PO Prelims Syllabus – Detailed
SBI PO Quantitative Aptitude Syllabus SBI PO Reasoning Syllabus SBI PO English Syllabus
Simplification / Approximation
Profit & Loss
Alphanumeric Series Reading Comprehension
Mixtures & Alligations Logical Reasoning Fill in the blanks
Permutation, Combination & Probability Data Sufficiency Cloze Test
Work & Time
Sequence & Series
Ranking & Order
Alphabet Test
Para jumbles
Simple Interest & Compound Interest
Surds & Indices
Seating Arrangement Vocabulary
Mensuration – Cylinder, Cone, Sphere Coded Inequalities Paragraph Completion
Time & Distance
Number Systems
Multiple Meaning / Error Spotting
Data Interpretation Syllogism Sentence Completion
Ratio & Proportion
Blood Relations
Tenses Rules

SBI PO Mains Syllabus

The syllabus of SBI PO for the Mains Examination constitutes of four major sections (Objective-type questions):

  1. Data Analysis & Interpretation
  2. Reasoning Ability
  3. General/Economy/Banking Awareness
  4. English Language

Here is the SBI PO syllabus topic-wise as per the Mains exam pattern:

SBI PO Mains Syllabus (topic-wise)
Data Analysis & Interpretation Reasoning General/Economy/Banking Awareness English Language
Tabular Graph Syllogism Current Affairs Reading Comprehension
Line Graph Verbal Reasoning Financial Awareness Grammar
Bar Graph Circular Seating Arrangement General Knowledge Verbal Ability
Charts & Tables Linear Seating Arrangement Static Awareness Vocabulary
Missing Case DI Double Lineup Banking Terminologies Knowledge Sentence Improvement
Radar Graph Caselet Scheduling Banking Awareness Word Association
Probability Blood Relations, Critical Reasoning Principles of Insurance Para Jumbles
Data Sufficiency Input-Output, Analytical and Decision Making   Error Spotting
Let it Case DI Directions and Distances   Cloze Test
Permutation and Combination Ordering and Ranking, Code Inequalities   Fill in the blanks
Pie Charts Data Sufficiency    
  Coding-Decoding, Course of Action    

SBI PO Syllabus - Group Discussion & Interview

Apart from the SBI PO Prelims and Mains exam, there is another phase of the PO exam – Group Exercise & Interview process, which is the final stage of selection for successful candidates who qualify the first two phases of SBI PO exam.

Candidates who clear all the phases of the exam receive the Letter of Appointment from SBI stating the joining formalities, joining date, place of joining, etc.

SBI Clerk Prelims Syllabus

The SBI Clerk prelims syllabus comprises three sections:

  1. Quantitative Aptitude
  2. Reasoning Ability
  3. English Language
SBI Clerk Prelims Syllabus
Quantitative Aptitude Reasoning Ability English Language
Equation and Algebra Puzzle Reading Comprehension
Data Interpretation Seating Arrangement Fill in the Blanks
Work and Time Blood Relations Synonyms and Antonyms
Volume & Surface area Direction Test Sentence Rearrangement
Upstream and Downstream Syllogism Sentence Correction
Time & Distance Coding-Decoding Cloze Test
Simplification Input-Output Idioms and Phrases
Surds & Indices Order and Ranking Vocabulary
Stock & Shares Statement and Assumptions  
Simple Interest and Compound Interest Inequalities  
Sequence & Series Alphanumeric Series  
Ratio & Proportion, Percentage Data Sufficiency  
Profit and Loss    
Permutation and Combination    
Number Systems    
Mixtures and Alligations    
Mensuration - Cylinder, Cone, Sphere    

SBI Clerk Mains Syllabus

The SBI Clerk mains is the second phase of the examination. The syllabus for Mains is almost the same as the prelims examination, only the General Awareness section is included in the SBI Clerk Mains syllabus.

A detailed list of SBI Clerk mains syllabus is given below:

SBI Clerk Mains Syllabus
English Language Quantitative Aptitude Reasoning Ability General Awareness
Reading Comprehension Data Interpretation Puzzle Current Affairs
Synonyms and Antonyms Data Sufficiency Machine Input Output Static General Awareness
Sentence Rearrangement Profit and Loss Syllogism Banking and Financial Terms
Sentence Correction Mensuration Direction Test Banking Abbreviations
Fillers Simple and Compound Interest Blood Relation Banking Awareness
Cloze Test Mixtures and Allegations Coding and Decoding Fiscal and Monetary Policy
Idioms and Phrases Permutation and Combination Statement and Assumptions Important Government schemes
Vocabulary Work, Time and Distance Order and Ranking Awards and Honours
Miscellaneous Number Series Linear Arrangement Indian Constitution

SBI SO Syllabus

The position of System Officer (Test Engineer, Web Developer, and Performance/Senior Automation Test Engineer) will be filled through a written examination that will be administered online. The Specialist Officer examination covers all of the significant subjects and chapters included in the SBI SO Syllabus. The online written exam will be based on General Aptitude and Professional Knowledge. The following lists the subjects that fall under each of these headings.

Subject Topics
General Aptitude English Language
Reasoning Ability
Quantitative Aptitude
Professional Knowledge General IT Knowledge
Role-based IT Knowledge

Given below is the detailed syllabus for the SBI SO exam for the recruitment of candidates for various posts in the SBI Bank:

SBI SO 2022 Syllabus: General Aptitude
Reasoning Ability Quantitative Aptitude English Language
Alpha Numeric Sequence Puzzle Averages Antonyms
Alphabet Test Bar Graphs Articles
Analogy Decimal & Fractions Cloze Test
Arithmetical Reasoning HCF & LCM Comprehension
Classification Heights & Distances Partnership Conclusion
Clocks & Calendars Line Graphs Error Correction
Coding-Decoding Logarithms Fill in the Blanks
Data Sufficiency Mensuration Tenses Rules
Deriving Conclusions from Passages Mixtures & Allegations Idioms & Phrases
Direction Sense Test Number System Parts of Speech
Eligibility Test Percentages Passage Completion
Inserting The Missing Character Permutation & Combination Passage Correction
Logic Pie Charts Sentence Completion
Logical Sequence of Words Probability Sentence Correction
Logical Venn Diagrams Problems on Ages Sentence Rearrangement
Mathematical Operations Problems on Trains Subject-Verb Agreement
Number, Ranking & Time Sequence Profit and Loss Synonyms
Puzzle Test Ratio and Proportions Tenses
Series Completion Roots Theme Detection
Situation Reaction Test Simple & Compound Interest Unseen Passages
Statement – Arguments Simplification Vocabulary
Statement – Conclusions Time and Distance & Work Word Formation
Theme Detection Volume & Surface Area Word Games

The SBI SO question paper includes questions based on the types of posts in the professional knowledge section. To obtain the highest score in this section, candidates must be completely familiar with the SBI SO Syllabus 2022 for IT Officer, Law Officer, Chartered Accountant, Statistician, etc. The information about the syllabus for the various positions is listed below:

SBI SO Syllabus: Professional Syllabus
Chartered Accountant Statistician Law Officer Systems Officer / IT Officer
Accounting Standards Basic Statistical Methods and Inference Banking Regulated Laws Computer Networks and Basic Programming Languages (C, C++, Java)
Accounting Guidance Note Uni-Variate Data Banking Security Laws Data Base Management Systems (DBMS)
Financial Report Standards Bi-Variate Data Negotiable Instruments Basic concepts of Software and Hardware
Indian Accounting Standards Time series forecasting Ethics and Corporate Governance in Banking Data Structures
Corporate Financial Reporting Sampling Concepts, Sampling Distribution Financial Analysis Computer Organization
Accounting and Reporting of Financial Instrument Estimations Theory Banking Operational Laws Computer Networks
Share-based Payment Simple Regression Banker-Customer Relations Network Programming
Liability Valuation Multiple Regression Electronic Banking Algorithms, Digital Electronics
Share Variance Analysis Loans and Advances Web Technologies
Business Valuation Banking-Insurance Compliance and Legal Aspects Information Systems
Inflation Accounting Financial Market Security Types and Regulatory Frameworks Software Engineering
Indian Capital Market Foreign Exchanges    
Mutual Funds Forecasting Portfolio    
Foreign Exchanges      

SBI Salary

SBI PO Salary

The SBI PO salary in hand is set as per the Bipartite Settlement. State Bank of India offers one of the best pay scales in the banking sector, especially to a Probationary Officer. Discussed below is the SBI PO salary in hand based on the Bipartite Settlement.

SBI PO Salary structure
SBI PO Salary - Basic Pay Rs 41,960/- (Increment in 4 stages)
1st Increment- Rs. 36000-1490/7
2nd Increment-Rs. 46430-1740/2
3rd Increment- Rs. 49910-1990/7
4th Increment- Rs. 63840
Dearness Allowance 46.9% of the basic pay
City Compensatory Allowance(CCA) 3% or 4%(depending on the place of posting)
Leased House Accommodation Minimum- Rs 8000/-(Rural)
Maximum- Rs 29500/-(Urban)
Medical Insurance 100% for employees
75% for families
Travelling Allowance Reimbursement for AC-2Tier (Exclusively for official travels)
Petrol Rs. 1100/- - Rs. 1300/-( in case of absence of personal vehicle)
Miscellaneous Rs. 4000/-
Total Compensation (Annually) 7.5 lakhs to 12.9 lakhs
Loan Benefits Concession on interest rates

SBI Clerk Salary

Currently, the basic SBI Clerk Salary in India is Rs.19,900/- (Rs.17,900/- plus two advance increments admissible to graduates) and multiple increments are added to it as the employee gradually works for the Bank. There are various other components in the salary structure for an SBI Clerk, which makes this post a desirable one.

The significant aspects of the SBI Clerk Salary structure [updated] in India are given below:

SBI Clerk Salary structure
SBI Clerk Salary - Basic Pay Rs.17,900/-
Salary after 1st Increment- Rs. 20.900/-
Salary after 2nd Increment-Rs. 24,590/-
Salary after 3rd Increment- Rs. 30,550/-
Salary after 4th Increment- Rs. 42,600/-
Salary after 5th increment- Rs 45,930/-
Salary after 6th increment- Rs 47,920/-
Dearness Allowance Based on the Consumer Price Index
House Accommodation Depends on the place of posting

SBI SO Salary

Based on the various grades and departments are different. the SBI SO salary differs.

The SBI SO (grade and post-wise) salary details are given below:

Grade Scale of Pay
Junior Management Grade Scale I (JMGS I) 23700-980/7-30560-1145/2-32850-1310/7-42020
Middle Management Grade Scale II (MMGS II) 31705-1145/1-32850-1310/10-45950
Middle Management Grade Scale III (MMGS III) 42020-1310/5-48570-1460/2-51490
Senior Management Grade Scale IV (SMGS-IV) 50030-1460/4-55870-1650/2-59170

Given below is the salary structure for the various posts as per the SBI SO Notification 2020:

SBI SO Salary
Post Pay Scale / Salary
Credit Analysis MMGS-III 42020-1310/5-48570-1460/2-51490
Product Manager 42020-1310/5-48570-1460/2-51490
Data Analyst Manager 42020-1310/5-48570-1460/2-51490
Digital Marketing Manager 42020-1310/5-48570-1460/2-51490
Faculty, SBIL Rs. 25 lakh to Rs. 40 lakh per annum
Sr. Executive (Digital Relations, Analytics, Digita Marketing) Rs. 12 lakhs to Rs. 20 lakhs per annum
Executive (FI & MM) Rs. 6 lakhs per annum
Sr. Executive (Social Banking & CSR) Rs. 10 lakhs per annum
Deputy Manager (IS Audit) 31705-1145/1-32850-1310/10-45950


Q.1 What exams are conducted by the State Bank of India?

ANS: There are three major bank exams conducted by the State Bank of India. These include exams for the post of Probationary Officer, Specialist Officer and Junior Associate.

Q.2 How can I get a job in SBI?

ANS: The State Bank of India periodically releases notifications for the recruitment of candidates to various posts. Aspirants can visit the official website and get the relevant details about the registration process and fill in the application form to appear for the online examination.

Q.3 Which subjects are included in the SBI exam syllabus?

ANS: There are five common subjects which are a part of the SBI exam syllabus:

  • English Langauge
  • Quantitative Aptitude
  • Reasoning Ability
  • Banking/Financial/General Awareness
  • Professional Knowledge*

*The Professional Knowledge section is only included in the SBI Specialist Officer exam.

Q.4 How can I apply for SBI exams?

ANS: The State Bank of India releases official notification along with the link to fill in the application form and complete the registration process. Aspirants can visit the official SBI website and then apply for the SBI exams, for the different posts.

Q.5 Can I apply for SBI exams after class 12th?

ANS: No, the minimum qualification to apply for SBI exams is Graduation. The applicant must have a Bachelor’s degree to apply for the SBI PO, SO and Clerk exam.

Q.6 What is the minimum qualification required for SBI SO?

ANS: The minimum qualification for SBI SO is graduation in the respective field, but for most of the posts, candidates are required to hold additional degrees and work experience as per the requirements of the job role.

Q.7 Does SBI SO include a probation period?

ANS: Yes, for permanent posts of SBI, there is a probation period of two years, while for contractual posts, there is no probation period.

Q.8 How many times can an individual appear for SBI SO exam?

ANS: There are no such criteria mentioned in the SBI SO notification. This means that there is no limit to the number of times one can appear for the exam.

Q.9 Which is better, MBA or SBI SO?

ANS: Both MBA and SBI SO, are different and have their own career growth and trajectory. Besides, there are several individuals who join banks as specialist officers after completing their MBA.

Q.10 How to Crack SBI PO Exam?

ANS: Hard work along with Smart Work can lead anyone to their desired spaces. Every SBI PO Aspirants can crack the examination through proper strategy and preparation. There are numerous study materials, both online and offline coaching centers are available for the SBI POM Examination. However, it is up to the candidate to see what they require. Knowing the syllabus and preparing along for the SBI PO can surely make someone stand in front of the crowd.

Q.11 How to Apply for the SBI PO Exam?

ANS: The candidates aspiring for the SBI PO Exam can apply for the exam through the online application forms available on their website. There are no offline forms available for the Examination. Candidates are also advised to not fall for any agents claiming to finalize the selection by paying any money.

Q.12 What is the upper age limit to apply for the SBI PO Exam?

ANS: The maximum upper age limit for the SBI PO examination is 30 Years. However, there are relaxations for the reserved category candidates also.

Q.13 Are there any limits on the number of attempts in the SBI PO Exam?

ANS: Yes, the maximum permissible attempts to make in the SBI PO examination is, for General: 4 Attempts, for OBC: 7 attempts, for PwD (General/ OBC/ EWS): 7 Attempts, and for SC / ST / PwD (SC / ST) there is no restriction of attempts. They can attempt as many as the time they want.

Q.14 Are SBI PO and IBPS PO the same?

ANS: No, both SBI PO and IBPS PO examinations are different. Whereas SBI PO is conducted by the State Bank of India for the recruitment of Probationary Officers for their SBI Branches, IBPS PO is conducted by the Institute of Banking Personnel Selection for the role of Probationary Officers in various Public Sector Banks of India.

Q.15 What is exactly the job of an SBI apprentice?

ANS:Details of about apprentice are: -

  • They aren't personnel of the bank. They are the trainees.
  • Their important job is to deliver after-sales offerings to the clients of the bank.
  • The apprentice might be working for an enterprise that will assist him/her to study their profession.

Q.16 What to study in SBI Apprentice exams?

ANS:The questions are asked from

  • General/Financial Awareness
  • General English
  • Quantitative Aptitude
  • Reasoning Ability and Computer Aptitude

Q.17 What is the job role of an SBI CBO?

ANS: Job role of a Circle Based Officer (CBO) is a post of a Junior Management Grade Scale-I. The selected candidates for the job profile will be allotted 6 months probation period. Once the probation period is over, candidates will be posted as permanent officers.

Q.18 Is there any age limit for the SBI CBO post?

ANS: According to the officials, the maximum age to apply for SBI CBO should not be more than 30years. However, there are some relaxations for the SC/ST/OBC, PwD categories according to the provision.

Q.19 What are the benefits provided to an SBI CBO employee?

ANS: A SBI CBO employee can avail of some benefits and perks besides the salary and allowances like:

  • Leave Travel Concession (LTC)
  • Home Travel/Leave Fare Concession
  • Pension Scheme
  • Personal Loans
  • Concessional Interest Rates for Housing/CAR

Q.20 What is the age limit for the SBI Clerk exam?

ANS: The minimum age limit for the SBI Clerk exam is 20 years and the maximum age limit is 28 years for the unreserved category. Age relaxation is provided to the reserved category as per the rules.

Q.21 What are the minimum eligibility criteria for the SBI Clerk exam?

ANS: The candidates who have a Bachelor's degree or Graduation in any stream are eligible to apply for this post. There are no criteria of marks or percentage in the Bachelor's degree.

Q.22 What is the selection process for the SBI Clerk exam?

ANS: The selection process for SBI Clerk consists of three stages namely prelims, mains, and language tests.

Q.23 Is there a personal interview round for the SBI Clerk exam?

ANS: No, there is no personal interview for the SBI Clerk post. The first stage is the prelims exam, the second is the mains exam then the language test is conducted for the final selection.

Q.24 Is there a personal interview round for the SBI Clerk exam?

ANS: No, there is no personal interview for the SBI Clerk post. The first stage is the prelims exam, the second is the mains exam then the language test is conducted for the final selection.

Q.25 What are the basic eligibility criteria for the recruitment of Assistant Managers by SBI?

ANS: The upper age limit for the recruitment of Assistant Managers by SBI is 40 years. The minimum qualification for the recruitment of Assistant Managers by SBI is graduation in any discipline.

Q.26 Are there any limitations regarding the number of attempts for appearing in the SBI Assistant Manager exam?

ANS: There is no limit on the number of attempts a candidate can appear for the SBI Assistant Manager exam. Therefore, the exam for SBI Assistant Manager can be attempted innumerable times subject to fulfillment of the eligibility criteria.

Q.27 What is the mode of application for SBI Assistant Manager?

ANS: The application process for SBI Assistant Manager is completely online. The official website facilitates the filling of the application form with the details required along with the payment of the application fee.

Q.28 What is the salary for an SBI Assistant Manager?

ANS: The minimum salary for SBI Assistant Manager is INR 36,000. The maximum salary for SBI Assistant Manager is INR 63,840. Additionally, SBI Assistant Managers also receive benefits in the form of allowances decided by the Government.

Q.29 What is the application fee for the SBI Assistant Manager exam?

ANS: The application fee for people belonging to the General/OBC/EWS category is INR 750. For people belonging to other categories such as SC/ST, there is no application fee.

Q.30 What is the nature of questions asked in the SBI Clerk exam?

ANS: The questions asked in the SBI Clerk exam are MCQ type. There are four options are given for every question and the candidates need to choose one correct answer from the given option.

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