01 At a glance
| Recruiting body | Indian Overseas Bank |
| Job reference | 01KZX7P1YC1B8WC38NEDS916RV |
| Vacancies | 250 posts |
| Qualification | |
| Location | Tamil Nadu — Tamil; Karnataka — Kannada; Maharashtra — Marathi; Gujarat — Gujarati. |
| Employment | Not specified |
| Applications close | 24 Aug 2026, 11:59 PM IST |
About this post
Indian Overseas Bank has issued an official recruitment notification for Local Bank Officers (LBO) – JMGS I.
Recruitment of Local Bank Officers in JMGS-I, with candidates applying for one state and selected candidates posted in the applied state.
Review the verified details below and read the linked official notification for the exact eligibility, dates and application instructions.
- Qualification
- Pay
-
Basic: 48480-2000/7-62480-2340/2-67160-2680/7-85920. DA, HRA, CCA etc., will be as per rules in force from time to time.
- Nationality/Citizenship
-
A candidate must be either a Citizen of India; a subject of Nepal; a subject of Bhutan; a Tibetan refugee who came over to India before 1st January 1962 intending to settle permanently in India; or a person of Indian origin who migrated from the listed countries intending to settle permanently in India. Candidates in the latter specified categories require a Government of India certificate of eligibility issued before the notification date.
- One-state restriction
-
Candidates must apply for the vacancy of one state only; a candidate applying for one state is not eligible to apply for another. Merit lists will be drawn state-wise and category-wise.
- Initial posting restriction
-
Selected candidates will be posted within the selected state for the first 12 years of service or up to promotion to SMGS-IV Grade, whichever is earlier.
- Local-language proficiency
-
Candidates must be proficient in reading, writing and speaking the desired local language. Shortlisted candidates who did not study it in 10th or 12th standard must take the Local Language Proficiency Test before Personal Interview, and failure to qualify ends further consideration.
- Vacancy status
-
Some states include backlog vacancies. Vacancy numbers and reserved-vacancy numbers are provisional and may vary according to the Bank's actual requirements.
- PwBD horizontal reservation
-
Reservation for Physically Challenged persons is horizontal, and selected candidates will be placed in the appropriate SC/ST/OBC/EWS/UR-GEN category to which they belong.
- Probation
-
Selected candidates will be on probation for 2 years of active service from the date of joining the Bank.
- Service bond
-
Selected candidates must execute a Financial Service Indemnity Bond for Rs.2,00,000/- for rendering service for a minimum period of 3 years.
- Prior-service increments
-
One advance increment may be given for each completed year of prior officer service in Scheduled Commercial banks, up to two increments, where the existing job profile specifically matches the Bank's Scale-I Generalist officer profile and certified supporting material is submitted. Candidates working with subsidiaries of Scheduled Commercial Bank are eligible for only one increment; prior experience does not count for service seniority.
- Medical and verification condition
-
Appointment is subject to medical fitness and satisfactory verification of character, antecedents and caste certificates wherever applicable, as well as the Bank's Service and Conduct Rules; until then, appointment is provisional.
- Application mode
-
online only
Important dates
- Opening Date of Online Registration8 Aug 2026
- Closing Date of Online Registration24 Aug 2026
- Payment of Application Fee / Intimation Charges8 Aug 2026 to 25 Aug 2026
02 Vacancies
Total vacancies: 250 posts
| Category or allocation | Vacancies | Note |
|---|---|---|
| Tamil Nadu | 100 | Mandatory Language Proficiency: Tamil; SC 15, ST 6, OBC 33, EWS 9, UR (GEN) 37; PwBD figures are horizontal reservations. |
| Karnataka | 50 | Mandatory Language Proficiency: Kannada; SC 8, ST 3, OBC 16, EWS 4, UR (GEN) 19; PwBD figures are horizontal reservations. |
| Maharashtra | 50 | Mandatory Language Proficiency: Marathi; SC 7, ST 4, OBC 15, EWS 5, UR (GEN) 19; PwBD figures are horizontal reservations. |
| Gujarat | 50 | Mandatory Language Proficiency: Gujarati; SC 6, ST 5, OBC 16, EWS 4, UR (GEN) 19; PwBD figures are horizontal reservations. |
03 Eligibility requirements
Education
| Qualification |
Age and relaxation
| Age and cutoff | 20 to 30 years as on 1 Aug 2026 |
Experience and other rules
| Status | Not specified in the current record |
Pay and fees
| Pay | INR 48,480 to 85,920 |
| Application fee | See the official notification |
Selection process
- Selection stagesSelection will be made based on an Online Examination followed by Language Proficiency Test (LPT) and Personal Interview. The LPT applies where candidates did not study the specified local language in 10th or 12th Standard.
- Online examinationThe online examination consists of 140 objective-type questions across four sections, carrying 200 marks in total, with a duration of 3 hours and separate timing for each section.
- Wrong-answer penaltyFor each wrong answer, 1/4th or 0.25 of the marks assigned to the respective question will be deducted; there is no penalty for an unattended question.
- Online-examination qualifying marksThere are no sectional qualifying marks. Minimum qualifying aggregate marks are 30% for reserved candidates and 35% for unreserved candidates.
- Language Proficiency TestCandidates must have proficiency in reading, writing and speaking the local language of the state applied for. Candidates producing a 10th or 12th standard marksheet/certificate showing that language as a subject are exempt from the test.
- Personal InterviewThe Personal Interview carries 100 marks. Minimum qualifying marks are 45% for reserved candidates and 50% for unreserved candidates.
- Final selectionOnline Examination and Personal Interview have a weightage ratio of 80:20. The minimum aggregate score is 30% for reserved categories and 35% for unreserved category candidates; selection is state-wise and category-wise from the top-ranked candidates.
04 How to apply
Complete every required step in sequence. A portal registration alone may not complete the application.
Follow these steps in order
- 01Choose one state
The candidates must apply for ONE STATE only, subject to fulfilment of eligibility criteria. If candidates have applied multiple times for the same state, only the last submitted application will be considered.
- 02Registration route
Go to the Bank's website “www.iob.bank.in”, open the “Careers” page, open “Recruitment of Local Bank Officers – 2026-27”, select the post and click the Register Online link.
- 03Complete registration and uploads
Register online, retain the Registration Number and Password, upload the required photograph and signature, enter all required details, complete registration, print the submitted application form, and upload the Left Thumb Impression and Handwritten Declaration.
- 04Application fees
SC/ST/PwBD applicants: INR 175/- inclusive of GST, as intimation charges only. GEN/EWS/OBC applicants: INR 850/- inclusive of GST. Fees are non-refundable.
- 05Online payment
After successful submission, candidates may pay online using Debit Card, Credit Card, Internet Banking, BHIM or UPI, etc., and must print the generated e-receipt for future reference.
Official application routes
Use the route specified for your apprentice or qualification group.
| Who should use it | Official URL printed in notification | Establishment ID |
|---|---|---|
| Applicants | https://www.iob.bank.in | — |
Before final submissionRecheck your category, qualification, marks, contact details and uploaded documents. Use only the verified official routes shown on this page.
Important official conditions
Condition
| Nationality/Citizenship | A candidate must be either a Citizen of India; a subject of Nepal; a subject of Bhutan; a Tibetan refugee who came over to India before 1st January 1962 intending to settle permanently in India; or a person of Indian origin who migrated from the listed countries intending to settle permanently in India. Candidates in the latter specified categories require a Government of India certificate of eligibility issued before the notification date. |
| One-state restriction | Candidates must apply for the vacancy of one state only; a candidate applying for one state is not eligible to apply for another. Merit lists will be drawn state-wise and category-wise. |
| Initial posting restriction | Selected candidates will be posted within the selected state for the first 12 years of service or up to promotion to SMGS-IV Grade, whichever is earlier. |
| Local-language proficiency | Candidates must be proficient in reading, writing and speaking the desired local language. Shortlisted candidates who did not study it in 10th or 12th standard must take the Local Language Proficiency Test before Personal Interview, and failure to qualify ends further consideration. |
| Vacancy status | Some states include backlog vacancies. Vacancy numbers and reserved-vacancy numbers are provisional and may vary according to the Bank's actual requirements. |
| PwBD horizontal reservation | Reservation for Physically Challenged persons is horizontal, and selected candidates will be placed in the appropriate SC/ST/OBC/EWS/UR-GEN category to which they belong. |
| Probation | Selected candidates will be on probation for 2 years of active service from the date of joining the Bank. |
| Service bond | Selected candidates must execute a Financial Service Indemnity Bond for Rs.2,00,000/- for rendering service for a minimum period of 3 years. |
| Prior-service increments | One advance increment may be given for each completed year of prior officer service in Scheduled Commercial banks, up to two increments, where the existing job profile specifically matches the Bank's Scale-I Generalist officer profile and certified supporting material is submitted. Candidates working with subsidiaries of Scheduled Commercial Bank are eligible for only one increment; prior experience does not count for service seniority. |
| Medical and verification condition | Appointment is subject to medical fitness and satisfactory verification of character, antecedents and caste certificates wherever applicable, as well as the Bank's Service and Conduct Rules; until then, appointment is provisional. |
Eligibility
| Age — Scheduled Caste/ Scheduled Tribe Candidates | relaxation 5 years |
| Age — Other Backward Classes Candidates (Non – Creamy Layer) | relaxation 3 years |
| Age — Persons with Benchmark Disabilities | relaxation 10 years |
| Age — Persons affected by 1984 riots | relaxation 5 years |
| Age — Ex-servicemen, Commissioned Officers, including Emergency Commissioned Officers (ECOs) / Short Service Commissioned Officers (SSCOs), meeting the printed | relaxation 5 years |
| Age — SC/ST/OBC candidates eligible for cumulative age relaxation under the printed conditions | maximum 50 years |
Important updates
Only changes that may affect your application are shown here.
- Important job update
Changed: application opening date, application deadline and important dates. Review the latest details before applying.
- Official notice updated
Changed: application opening date and application deadline. Review the latest details before applying.
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