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Upcoming Bank Exams, Jobs & Govt Exams in 2016 | Full List

bank jobs in 2016,IBPS bank jobs 2016,IBPS bank exams,upcoming bank exams 2016,upcoming bank jobs 2016,bank jobs in 2016 latest,latest bank jobs,new bank jobs,bankexamsindia,bank exams calendarBank jobs in India were one of the most sought after career option for a long time until the rise of IT & software companies. Things have undergone a change now as freshers are eager to write bank exams so that they become eligible for various , recruitments in public sector banks.Hence we are publishing the list of upcoming bank exams & bank jobs in 2016 along with other govt exams right here.

Public sector banks are facing competition from private banks & have already started new branches in rural & semi-urban areas.Also with increasing no. of retirements in senior cadre, govt. banks are made to recruit new people every year.
Do you know? Over 1.5 crore candidates have appeared for bank exams conducted by IBPS during the last 3 years & 50,000 vacancies (approx.) were filled in Indian banks last year.
The following article will help you to easily navigate through
The table has all necessary details about the latest bank exams/ jobs in 2015/ 2016 that you would look for at first sight.

Bank & Other Government Exams

The complete details of a bank examination or recruitment can be had by clicking the name of the bank or organization.

Name & Post Last date to apply Exam Date
SBI PO 2016 Recruitment – 2200 Posts May 24, 2016 July 2, 3,9 &10
SSC Stenographers Exam (grade C & D) June 3 July 31
ICICI Bank PO Recruitment (Training + Job) June 30, 2016 July 2016
SBI Associate Banks recruitment -expected in 2016- -
SBI PO Recruitment -expected in 2016- -



Exam Book Reviews

Now you can read the reviews of exam books before going to purchase them.All the books below are personally reviewed by our team.

The Mega Yearbook 2016 [Review]Best for GK & General awareness

Best Books for Railway RRB Exams below Rs.200 – Prepare for Railway Recruitment 2016

Books for IBPS PO 2015 Exam – Click here to read IBPS PO book review

Review of Banking Awareness Guide for Bank Exams & Interviews 

Ready for IBPS RRB Exams? See here for IBPS RRB exam book reviews

Word Power Made Easy – The book that millions trust to improve their English


Exam & Interview Preparations

Don’t scramble on the internet searching on how to prepare for a specific exam.We have made things easier for you by providing all the required information below:


How to prepare for LIC AAO in 7 days – Study Plan for those who don't have time

ICICI Bank PO Exam Pattern – Refer before applying ICICI Bank PO Recruitment

SSC CGL Post Preferences & Job Profiles – Know how to fill order of preferences
* This page will updated as new bank vacancies are announced.

Latest News:

Apart from bank jobs, we also publish detailed articles about the latest happenings in related to banking recruitments, common interviews & analysis.

You could also find tips on preparing for various sections of bank exams, that include topics to cover, question paper pattern, answering methods etc., below

LIC AAO vs Bank PO – Which is better? | Also checkout LIC AAO Job Profile & Salary
Working in IT company? See the eligibility conditions for bank exams
Increase in Salary – Bank Employees will get 15% increase in salary
Tell me about yourself’ - Know how to answer this interview question 
Know about Probation & Bond condition in banks
What to do & what not to in common bank exam
Minimise negative marks in common exam – Tips to follow


> Discuss & ask questions about Bank Jobs by joining our community
@ Facebook   @ Google+   @ Twitter

SBI PO 2016: Online Fee Payment Extended till May 27 [Latest Changes]

SBI PO recruitment last date to apply,SBI PO online payment problems,SBI PO 2016 recruitmentIf you are aspiring to join State bank of India as an officer, then this is your best chance.The registrations to apply online for SBI PO recruitment is closing on May 24, 2016.As state bank of India is the largest public sector bank in India, there was last minute rush to make fee payment & submit applications for their 2200 PO vacancies.So we tell you on how to solve SBI PO online payment problems & send your application forms without issues.


The SBI PO recruitment 2016 notification was announced for the appointment of probationary officers (PO) in State Bank of India.


Since these are officer cadre jobs, there are no state-wise vacancies & candidates are liable to be posted anywhere in India.


SBI PO Dates Changed due to Huge Response

It is a known fact that many were eagerly waiting for SBI PO recruitment to be released & most of you would have applied already.


Latest Update: SBI has officially announced that the last date to make online fee payment has been extended till 11:59 PM on May 27th.


It means, candidates have got 3 more days to complete paying their fees BUT they have to submit their registration forms before 11:59 PM on May 24.

  • Last date to submit application form – May 24
  • Last date for doing online fee payment – May 27

See the screenshot of the notification put up by the bank on their website,




Incase you couldn't apply till now, complete the below two steps immediately

  • Fillup the online application form with your details correctly &
  • Make the fee payment through online mode using Netbanking/ ATM/ credit card.

Remember to keep all the necessary documents & certificates in hand while entering your marks.Any mistakes will lead to disqualification.


To submit your SBI PO application: click here to visit the online webpage


How to solve Registration & Fee Problems?

The biggest disadvantage of applying on last date is – you will face numerous problems before submitting your application successfully.


Candidates had started complaining about two issues from May 21st itself, which we thought of highlighting.They are:


1) SBI PO online payment failure: This is a problem faced by candidates for past few weeks as they are unable to make payment for SBI PO.


Right after authorizing the online payment, a blank screen comes up or the following message: “https://www.sbiepay.com/secure/AggMerchantStatusQueryAction” is displayed.


In such a situation, here is what you should do.

  • Login to the application form & check the status of your previous payment.
  • If you see anything else apart from “success” in the fee status, you need to make payment again.

SBI says, “The amount debited for failed transaction will be refunded back to your account within 3 – 7 working days.”Therefore, there is no need to worry.


Incase your fee payment does not go through, open a different browser & try again.


1) Slow website/ frequent disconnections: SBI had warned applicants in advance that they are expecting heavy load on their website as the last date approaches.


Here are ways to avoid these issues:

  • Access the webpage from high speed internet centres or computers.
  • Do not use your mobile phones or tablets.
  • Complete the registration before 9 AM.

As time passes, more number of people would start visiting the website making it even harder.


If you still cannot submit during day time, attempt to register after 10 PM But remember, the links will get deactivated after 12 midnight.


Recommended for you: Which SBI PO exam books to buy? – provides a list of guides & practice books.


Important Rules of SBI PO Recruitment

Here are the important conditions of SBI PO recruitment for all those hurrying to register at the last hour,


1) Candidates who are within 21 – 30 years as on April 1, 2016 (age relaxation applies for OBC,SC & ST) are only eligible to apply for PO jobs.


2) You must be a degree holder in any discipline, as on June 30, 2016. Pass in graduation is enough.There is no minimum percentage required.


3) Final semester/ year students are also eligible to apply provided they should have passed the degree exam on or before 31.08.2016.Proof of marksheet must be submitted for verification.


5) Local language knowledge is not necessary.


6) Did you take loan from any bank & couldn't repay it regularly or have not paid it at all? Then you are not eligible for this SBI PO recruitment 2016.See why here


7) The application fee is Rs.600 (for general/ obc) & Rs.100 (SC/ST) which should also be paid online before May 24th.


More information related to SBI PO exams 2016 were published.See them below:


* SBI PO descriptive test pattern & cutoffs

* SBI PO prelims exam cutoffs

* SBI PO main exams cutoffs


Is there any other issue you faced during online application process? You may ask for help or suggestions using the comment section down.

Which SBI PO Exam Books to Buy? – See Latest List Here!!

SBI-PO-Exam-BooksThe stage has been set for SBI PO 2016 exams after an official notification was released about the upcoming events as part of 2000 PO recruitment.With just a month left for the 1st stage of selection to start, we believe you might have started the preparations.But many candidates are confused on which books to buy for the SBI PO exam.This article will help such people to make a choice.


As per the a new exam pattern mentioned in the SBI PO recruitment notification, a preliminary test shall be held first & those qualify in it shall be called for the main exam.


It is estimated that atleast 20 – 25 lakh candidates may have applied for SBI PO recruitment 2016.With so many people eyeing for an office post in SBI, applicants should be more focused & confident.


Therefore to help you crack SBI PO exam, we are providing you with two best books, that are already popular among candidates:

Both these books are from Disha publications & are based on the latest syllabus.Now let us take a deeper look at each of them.


Guide for SBI PO Exam

SBI-PO-Exam-Books-GuideTo start with the looks, the book is definitely heavy as it contains the study materials for preliminary & main exams.


The paper quality is not great but at the same time, its not too bad.Reading is comfortable even at nights due to the size & boldness of the fonts used.


The online preliminary test will only have 3 papers – English, Quantitative Aptitude & Reasoning ability.


All the regular chapters that are part of these three sections are covered in this guide along with the ones that are to be asked in main exam.


So you need not search for another book to prepare for the main exams seperately.


How are the lessons? A topic is introduced first with definitions & concepts which is then followed by few solved examples.


If there are shortcuts or formulae available for a particular type of question, it is also explained. Click here to buy now


5 yrs exam papers: They have also given previous 5 years solved question papers (2011 – 2015), that you may use to know about the  level of difficulty.


Practice exercises: Then come the exercises with 50-60 questions for you to try.Answers are given at the end along with detailed working and explanations.


This makes even a beginner to check whether he/she has followed the right formula to arrive at an answer.


With a lucid & easy to understand approach, this book from can surely be trusted for your SBI PO exam preparations.


So If you are someone who wants to brush up all the concepts and want to know the detailed workings for each question, go for this one.



SBI PO Practice Book

SBI-PO-Exam-Practice-BooksOkay, you have gone through the chapters in the guide, understood the concepts & solved the exercises.


It is not enough to stop here as you need to practice whatever you learnt by solving practice papers.


That is the reason why we are putting up the review of the book titled SBI PO Preliminary Exam Practice Sets, published by Disha publications.


It consists of 15 model sets, each containing 100 questions in 3 sections as per SBI`s prelims pattern.


Some of the other highlight of this workbook are:

  • Total of 1500 questions to solve (15 x 100)
  • Response sheets are give at the end of each set for you to fill answers
  • Answer key along with necessary explanations are also provided
  • Extremely low price of just Rs.140

If you were searching for model papers to test your solving skills or improve time management, then this is an excellent workbook to check your preparations.


SBI PO Practice Book (15 practice sets) – Rs.140 – Click here to buy online


We hope the above two SBI PO exam book reviews shall help you to decide.incase of any doubts or clarifications, use the form below to voice them out.

SBI Clerk 2016: Prelims Exam Review & Expected Cutoffs [Detailed Analysis]

The much talked about, SBI clerk prelims exam was conducted on May 22, 2016.It is held as part of the SBI recruitment of 17000 junior associates & junior agricultural associates in clerical cadre.Since clerk jobs are filled statewise, the exams were attended by thousands of candidates in various centres across India.How was the exam? Here you will know about the SBI clerk prelims exam review & expected cutoffs along with safe attempts.


17,000 vacancies were notified for SBI clerk recruitment & the 1st phase of selection process – preliminary exams are to happen on May 22, 28, 29 & June 4, 5.


SBI Clerk Exam 2016 Review

Since the total duration of prelims test is just 1 hour, the online tests were conducted in 4 different time slots.


The overall feedback received from candidates was – “SBI clerk prelims was easy” but some others felt it time consuming.So we can take the exams as easy to moderate.




Although the paper was touted to be easy, few questions did pull down in each section, which has been listed in detailed review.


Reasoning: The most easiest of questions were asked making it a cakewalk for candidates who had appeared for previous bank exams.The highlight of this paper is, there were no syllogisms.

  • Sitting arrangement (circular) - 5
  • Blood Relation – 2
  • Inequality - 5
  • Puzzles - 5
  • Coding-Decoding 2
  • Alphanumeric series 5
  • Direction sense

Safe number of attempts: If you have attempted 25+ questions correctly, you are in safe zone.


Numerical Ability: The numerical problems were also not too hard but due to few tricky questions, few individuals spent a lot of time to solve them. 

  • Number series - 5
  • Simplification  - 10
  • Data Interpretation - 5
  • Others (Profit/ Loss, Averages, Boats & Stream, Simple/ Compound interest, Time & Work, Ratio & Proportion, Average, Percentage, Partnership, etc) – 15 to 20

Safe number of attempts: 18+


English Language: All questions were quite easy to answer.Some candidates felt it as time consuming because they had difficulties in understanding the stories.But choosing the options were not difficult, though.

  • Reading Comprehension (based on a story) - 10
  • Cloze Test (based on story) - 5
  • Parajumbles (story) - 5
  • Correct spellings - 5
  • Error spotting - 5

Safe number of attempts: 22+


Overall speaking, if you had answered more than 65 – 70  questions correctly, it can be considered as good number of attempts.


SBI Clerk Expected Cutoffs

Although the prelims marks will not be considered for final selection, candidates are required to score the minimum cutoffs in each section & on total marks.


There are two points that you should remember while talking about these sbi clerk 2016 cutoffs.


1) With the exams to be held on 2 more weekends, the pattern shall remain more or less similar.Even if it gets little tough, the scores would be normalized to make sure the difficulty level across all slots are averaged.


2) As this SBI recruitment is for two different posts (junior associate & junior agricultural associate) - cutoffs will also be calculated post-wise & state-wise.


So here are the expected SBI clerk prelims exam cutoff marks (sectional) for all categories

  • English: 7 – 9
  • Reasoning: 10 - 12
  • Numerical ability: 6 – 8

Coming to cutoffs on total marks, it could range between these figures across states:

  • General/ UR: 46 - 52
  • OBC: 41 - 47
  • SC: 35 – 40
  • ST: 26 – 32

Exam Next Week? If you are a person who is to sit for the prelims test in the coming weeks, these SBI clerk exam reviews & cutoffs will be helpful to finetune your strategy.


For last minute practice, you may click here to buy buy SBI clerk prelims mock tests for Rs.399 here from Oliveboard.


Exam Over? How did you perform in the exam? Share your total attempts & thoughts about the online test & cutoffs to expect via comments below.

How to Write Correct Letters for SBI PO & UIIC AO Descriptive Tests?

letter-writing-descriptive-testDescriptive English test is now a part of bank exams & insurance exams that are conducted for officer cadre positions.It comprises of questions related to letter writing & essay writing.The main purpose of this test is to check the proficiency of written english among candidates.Here you will learn about the format for letter writing & how to prepare/ write a correct letter that will help you to crack the descriptive test.


In SBI PO & UIIC AO exams, descriptive test is just a qualifying test – which means, candidates should only score the necessary cutoffs in this paper to qualify for interviews.


Letter Writing Basics

There are two types of letters which are commonly asked in these exams.They are:

  • Informal letters (written to friends, relatives, parents, siblings (brother/ sister)
  • Formal letters (written to bank manager, news editor, government dept/ officials etc.)

Descriptive test will have both formal & informal letter questions & you can choose any one for answering.


But it is advisable to know both the formats as both follow the same structure with minor changes only.


What is the correct format of letters?

Be it a formal or informal letter, it should contain all of the following parts:

  • Address
  • Body
  • Conclusion

An example letter written by a person to a state government official in bangalore about building violations, is given below that will help you understand these parts better.




This being the general format, now let us see how to write a proper letter covering the above 3 parts.


Addresses: Every letter should have the from & to addresses mentioned at the top.It is the basic item & must not be forgotten at any cost.

  • Under the field ‘From’, mention your name & address.
  • Inside the field ‘To’, you need to specify the name & address of the person or organization to whom this letter is sent.

In the above example, the letter is written to bangalore`s BBMP & hence the relevant officer name/ post along with his address is given.


If you are sending a letter to a newspaper editor, the ‘To’ area should be like this:



The Editor,

The Hindu,



Body of Letter This is the main part of a letter & should contain your answer for the given question.

  • Incase of informal letters, you can start with ‘Dear _____’
  • Formal letters should begin with ‘Sir’ or ‘Madam’.It is advisable not to use the word ‘dear’.

The next line in formal letters must be for ‘Subject’ where you need to mention the purpose of this letter in one sentence.

In the sample letter above, Mr.Nagaraj wants to complain about the owner.So he has written ‘Sub: Violation of building bye law’.

Similarly, candidates can pickup the subject line from the question itself.


For example, if the question is – ’Write a letter to the editor of a newspaper informing about the rise in ragging issues’, your subject can be “Sub: Rise in ragging issues


After this, the main content should follow detailing the real purpose of writing that letter.


Conclusion: It can also be termed as the closing remarks, which are necessary at the end of your letter.


Here are certain words that you may use:

  • Informal letters: Yours lovingly, Yours affectionately
  • Formal letter: Yours sincerely/ Yours truly / Yours faithfully

Writing your name below any of the above words will mark the end of your letter.


By following these 3 parts, candidates can easily write attend letter writing question & secure the minimum cutoff marks in SBI PO exam descriptive test & UIIC AO descriptive test.

UIIC AO Descriptive Test – Pattern, Cutoffs & Previous Questions

The UIIC AO exam is to be held on June 12, 2016 for the recruitment of administrative officers in United India Insurance Company (UIIC).Being a public sector bank, you can expect considerable competition among applicants for the 300 vacancies.Since many are new to appear for this insurance officers exam, we are explaining about the descriptive test pattern, previous questions & cutoffs to score.


Unlike banking exams that follow two stages of exam - preliminary & main, the UIIC AO recruitment 2016 will have one written test only.


As explained earlier about UIIC AO exam pattern, there will be two papers as part of the online test.They are:

  • Objective Test for 200 marks
  • Descriptive Test for 30 marks

Both papers would be conducted on the same day itself, one after other.All candidates should complete the two papers for their appearance to be counted.


Why Descriptive English Test for AO?

This is not a bank job,Then what is the purpose of descriptive test for AOs” is one question that many applicants asked us frequently.


According to the job profile of UIIC AO, the role of administrative officer involves writing letters explaining the reason for rejecting a claim or to communicate with other departments requesting for information on specific policies.


It is necessary that candidates posses basic english knowledge so they are able to present their views in the right meaning.Hence we are seeing bank & insurance exams specifying descriptive english as a qualifying paper.


Test Pattern & Cutoff Marks

The descriptive paper contains only 2 questions, which should be answered on the computer only.




In 30 minutes, you are required to type answers for both questions using the keyboard & submit.Also there will be internal choices for each, i.e. you can select any 1 question from 3 choices.


Cutoffs: Although the marks wont be considered for calculating final scores, candidates should secure the minimum marks in descriptive test as well to qualify for interviews.


UIIC has already declared the descriptive english exam cutoffs for AO recruitment 2016. The previous year cutoffs was also on in the same range.




For the upcoming AO exams, GEN/ OBC candidates need to score atleast 15 marks & SC/ST have to secure 13.5 marks for passing in descriptive test.


Even if any person has scored good marks in objective test but couldnt fetch the above cutoffs, they will still be disqualified from the entire selection process.


Previous Year Questions

To help you get an idea of the type of questions that are generally asked in descriptive section, here are some from previous AO exams.


Letter writing

  • Write a letter to your friend asking him to take an insurance policy
  • Write a letter to the editor of a newspaper about ragging issues
  • Letter to friend explaining about the benefits of health insurance
  • Write a letter to a friend about healthy food habits & avoiding junk food
  • Letter to an editor of newspaper complaining about the irregularities in the sale of blood in blood banks.

Essay writing:

  • Types of Insurance
  • How to provide insurance to all
  • Impact of Increasing FDI in insurance sector to 49%
  • Steps taken by government to increase insurance penetration
  • I don't want to take money of insurance out of the death of my children.Comment

As you can see from previous questions, they are mostly insurance based.So we suggest you to understand the various concepts & types of insurance to answer them.


Books to Prepare:

If you are looking for books on descriptive type answers, essays & sample letters – this is one of the most popular book from Arihant publications.descriptive english book review


It doesn't cover insurance topics but will help you know the format & rules about writing letters and essays for the descriptive test.


* Descriptive English Guide – Rs.190 – Click here to buy online


As this book is available as an old edition only, you would find certain irrelevant topics as well such as précis & report writing which are not part of this exam.


You may glance through them also to improve your english writing skills.

SBI Clerk Prelims Exam: FREE Practice Papers [PDF Download]

SBI clerk practice question papers free pdf download,Free SBI clerk practice papers,SBI clerk question papers pdf downloadThe SBI clerk exam 2016 is just round the corner & many of you would be preparing for it aggressively.Since this year`s recruitment is for a total of 17000 junior associate & junior agri associate vacancies, atleast 17 – 20 lakh candidates may have applied, feel experts which is quite normal for jobs in state bank of India.To help all of you crack SBI clerk exam, we are providing free SBI clerk practice question papers/ mock tests for revisions.


Most of you would have referred our SBI clerk exam study plan or prepared your own chart to study.But it is necessary to check yourself on what you have learnt to find your weak areas & shortcomings.


The SBI clerk prelims exams are to be held on May 22, 28, 29 & June 4, 5 as per the call letters issued recently.The preliminary examination shall consist of 100 questions in 3 sections, which should be answered online in 1 hour.




While there is negative mark of 0.25 for each wrong answer, candidates have to pass in each section.


There will be sectional & total cutoff marks for each category & state depending on the number of vacancies.


FREE SBI Practice Paper Sets

In just 60 minutes, you are supposed to answer 100 questions.Inorder to do that, one must allot only 1.6 minutes for each question.

To gain such speed, you need to try out different sets of practice papers.Only then can you know about the time spent on each section & improve on them.

We have compiled 7 free practice sets for SBI clerk prelims which you can read online or download to your system & practice later (after opening the link, press Ctrl+S on your keyboard to save it to you computers)

Consider every practice paper as a real question paper & answer it honestly.To fully utilize these mock tests,

  • Aim to complete the paper in 1 hour & try to increase the number of questions answered for the next set.
  • Have a rough sheet nearby for calculations
  • Do not look at the answers till you complete the full test.
  • Note down your weak areas & focus more on revising those concepts again.

If you follow the above guidelines, you will feel more confident & ready to appear for the original SBI clerk prelims exam.


Need More Practice Sets & Online Mock Tests?

If you want to increase your chances of qualifying for the SBI clerk main exam, constant practice is very much required.


To fast track your revisions, here are some best materials available for sbi clerk last minute preparations.


Click here to buy 20 Online Mock Tests
for Rs.399 & start practicing immediately online.

oliveboard online mock tests

Click here to buy 30 SBI clerk practice tests for Rs.135


Wishing the best for all our readers to do well in the upcoming clerical exams!!

UIIC AO Exam 2016: Exam Pattern & Total Marks Explained

Not many would have thought about the United India Insurance Company (UIIC) AO recruitment 2016 could gar ner large amount of interest among aspirants.At a time when govt banking sector was seen as a secure career option, the public sector insurance companies like LIC & UIIC have emerged as new favourites.As May 17th is the last day to apply for the administrative officer jobs in UIIC, we take you the UIIC AO exam pattern in detail.


As part of UIIC AO recruitment, 300 vacancies for the post of administrative officers were announced.The online registrations to submit your applications closes on May 17, 2016.


Talking about UIIC AO job profile, administrative officers are primarily responsible for all the general administration decisions taken in a specific department.


Their salary is approx Rs.40,000 /month excluding allowances & are not involved in marketing insurance policies.


UIIC AO Exam Pattern

Unlike bank exams, there are no preliminary & main exams.Candidates need to appear for only 1 exam on June 12, 2016 that consists of

  • Objective Test for 200 marks 
  • Descriptive test for 30 marks.

Since this is a recruitment for 2 different cadres, there is a difference in the pattern of specialist & generalist officers exam as well.


UIIC AO Generalist: This is similar to any other normal competitive exam with the same sections & marks.



UIIC AO Specialist: Incase you had applied for specialist posts such as finance, mechanical/ electrical/ civil engineering, legal, actuary etc., you should attend an additional paper called the ‘Test of professional knowledge’.


It will have objective questions related to the department you had chosen, from subjects you had studied in degree.




This additional test is to assess candidate`s technical & professional knowledge in relevant discipline.


Descriptive Test: There is descriptive test on english language for both positions that should be answered immediately after completing the objective test.




This paper to test your written english skills will only have 2 questions about:

  • Letter writing for 10 marks
  • Essay writing for 20 marks

A candidate need to qualify in descriptive test, but the marks in this paper shall not be considered for final selection.


UIIC AO Online Courses: To prepare for the united india AO exam 2016, there are online courses available that includes videos, study materials & mock tests.


Since there are no physical books in the market for this exam, we are recommending these online courses & tests from the popular site Oliveboard.com


* UIIC AO online mock tests (10 different sets) – Rs.499 – Click here to buy online


* Click here to buy the full course for UIIC AO exams (videos + mocks) for Rs.1299

SBI PO Descriptive Test – Previous Cutoffs,Topics & Books to Prepare

prepare for SBI po descriptive test,books for sbi po descriptive engllsh test,sbi descriptive test cutoff marks,writing descritive english in banks exams,descriptive test in bank exam,descriptive text for po exams How do I prepare for SBI PO descriptive test is one query commonly asked by aspirants appearing for State bank of India PO recruitment.This english paper being one of the most important section to qualify for further rounds, candidates are serious about getting it right.Applicants especially from rural areas & towns find this part to be difficult than objective test as it involves writing detailed answers in english language.


By knowing the exact pattern along with the kind of questions, it is possible to plan accordingly & crack SBI PO descriptive test.


The SBI PO recruitment 2016 main exam paper will have two sections –

  • Objective Test for 200 marks
  • Descriptive Test for 50 marks.

Can I appear for any one test on another day?

No.Both papers should be taken up on the same day itself.


Navigate to 1) What is descriptive test 2) Pattern 3) Books 4) Previous questions


What is Descriptive Test? 

An officer in a bank should write letters, prepare reports/ presentations to his/ her collegues or higher officials in english language.They may also need to contact people in other departments within the bank to send notes, opinions or discussions.


For all these activites,one must posses the ability to write in english.This is the reason for descriptive paper to be part of SBI PO written exam so that they can check the writing capabilites of future bankers.


Note: Candidates who fail to secure pass marks in descriptive paper are disqualified from the entire PO recruiment process & cannot appear for personal interviews.How?


  • If you do not score qualifying marks in any objective paper – your descriptive test paper will not be taken up for evaluation.


  • Apart from securing minimum marks in each objective test, it is also necessary to score a separate cutoff in descriptive test.

    Descriptive Exam Pattern

    The descriptive test question paper will only have 2 questions related to:

    • Letter Writing
    • Essay Writing

    Questions will be given only in english and answers should be typed using the keyboard.Some other important points are:

    1. 30 minutes is the duration to complete this descriptive section
    2. Total marks: 50

    There are seperate cutoff scores for descriptive test too which will be decided by the bank after the tests are over.But we have collected the previous year descriptive test cutoffs that are given below


    sbi-po-descriptive-test-cutoffs,qualifying marks for sbi po descriptive test 2016,SBI po descriptive test cutoffs,


    As you can see, the qualifying marks have remained the same for past 2 years.So, the cutoffs for SBI PO 2016 could also be in the same range, which is:

    • General: 20
    • OBC/ SC / ST: 17.5 or 18

    Since we had already explained about last year`s SBI PO prelims cutoffs & SBI PO main exam cutoffs – most of you will know that cutoffs are important to qualify for next stages.


    Books to Prepare:

    For learning about writing descriptive type answers, essays & sample letters - consider buying this most popular book from Arihant publications.descriptive english book review


    * Descriptive English Guide – Rs.190 – Click here to buy online

    It has over 800 pages with detailed explanations as per the syllabus of descriptive test.


    Since this book is available as an old edition only, you would find certain irrelavant topics as well such as precis & report writing.You may glance through them also to improve your english writing skills.


    Previous Year Questions:

    The following questions were asked in descriptive paper of previous SBI PO exams.


    Letter writing:

    • Write a letter to the manager of a firm to increase credit amount of loan taken.
    • Letter to the bank manager apologizing for the delay in EMI payment.
    • Letter to your brother indicating him on why you want to choose career in banking.
    • As a manager, write a letter to your collegues to conduct a meeting on PR strategy.
    • Write a letter to your younger sibiling explaining the importance of saving money
    • Letter to the bank manager for extension of joining date

    Essays: (250 – 350 words)

    • Does providing educational loans help in empowering employment to youth?
    • How useful is aadhar card?
    • Impact of unearthing of black money on indian economy
    • Importance of education in vernacular languages
    • Pros & cons of winning lotteries
    • Do brokers deserve the cut that they make on deals?
    • Security of women in workspace, an increasing cause of concern
    • Entrance exams – a necessary evil
    • Pros & cons of Inflation

    We hope now you would have understood about the SBI PO mains descriptive tests.Also remember that few changes are made in main exam such as time limit for each section.

    NABARD Bank Exam 2016 Review, Analysis & Expected Cutoffs

    The NABARD bank exam for recruitment of assistant managers (grade A) & managers (grade B) was conducted on May 15, 2016.Since nabard does not get involved in commercial banking like other public sector banks & purely dedicated for agriculture & rural developement, many candidates had applied for a total of 115 vacancies.So here is the NABARD exam review & expected cutoffs.


    The NABARD grade A & B exam pattern consists of two phases just like the regular IBPS bank exams.The 1st phase is preliminary examination (prelims) for 200 marks.



    Only those who score the necessary sectional & total cutoffs will be shortlisted for phase II (main exam).Going by that rule, candidates with 110+ attempts out of 200 can be considered as safe.


    NABARD Exam Paper Review

    With 7 papers & 200 questions to answer in 2 hours, how did the candidates perform?Here is the exam review.




    Quantitative Aptitude was considered to be the toughest among all the sections.Many candidates were stuck here trying to answer some very high level questions.


    Of the 30 questions in QA, most were able to solve only between 10- 15.


    Reasoning was another section that spoilt the party for many candidates.Though not tough like QA, questions were above normal level that had to be answered after some calculations only.


    English, Computer Knowledge & General Awareness were quite easy with only few questions turning out to be tricky.Maybe these sections being a part of all banking exams proved to be a known feild for many.


    Economic & Social Issues and Agri & Rural development sections were most feared.But candidates found it too easy as many had attempted 35+ in both.


    Overall Review:The overall view of this NABARD exam is moderate except for reasoning & quants.Because of these two papers, candidates were left with only little time to answer all other sections.


    This has also affected the chances of few people who couldnt attend questions even though knowing the answers, due to lack of time.


    There is negative mark for wrong answers.So it would also play an important role in lowering the scores further.


    Expected Cutoffs:

    We had already published the NABARD previous year cutoffs but this year`s pattern is different compared to last year.


    Due to moderate performances of candidates in few papers & less number of vacancies, the sectional cutoffs could be slightly less or similar to last year.


    The expected cutoff range for NABARD prelims are (all categories)

    • English: 10 - 15
    • Reasoning: 12 - 15
    • Quantitative Aptitude: 7 - 10
    • General Awareness: 6 - 8
    • Computer Knowledge: 9 - 13
    • Agriculture and Rural Development: 13 - 17
    • Economic and Social Issues: 12 - 15

    What could be the total cutoffs?

    The exams were conducted in 3 shifts & difficulty level was different in each slot. While 1st  candidates felt the paper was easy, the toughness increased for reamining shifts.


    So normalisation of scores will be done to arrive at an average score & for this, accuracy is important.So we are providing here the safe number of correct answers:

    • General: 120+
    • OBC/ SC/ST: 90+

    If you had answered the above number of questions correctly, you can be hopeful of qualifying for the main exams.

    SBI Clerk 2016 Official Language Change – Link Now Active

    For all those who had applied for SBI clerk recruitment 2016 & wanted to change the official language of their state, the link to modify your choice is active now.A total of 17100 clerical vacancies were announced across all states of India as part of their recruitment of junior associates & junior agricultural associate posts.


    As per the notification of SBI clerk recruitment 2016, it is compulsory for candidates to posses good proficiency in the regional language of the state they are applying for.


    The list of languages for each state was also prescribed in the notice.Those who don't know the mentioned language are not eligible to apply that particular region.


    How to Change Your Official Language

    In some states there were more than 1 regional language & the bank issued a revised list of official languages for such states.Candidates who had applied for those circle/ state now get a chance to change their option.


    Here are the detailed steps you need to follow.Make sure you do it correctly as there is only 1 chance available to edit.


    1) Click on this official application link to enter your sbi clerk registration number & password


    2) You shall see the following screen with details about the post, state & language you had already chosen.




    3) Click on the dropdown button next to ‘Official language’ & choose whichever language you have good knowledge.It is also compulsory to tick the boxes next to ‘read, write & speak’ to denote your level of proficiency.


    4) The language you chose in the above step should have been a subject in your std.10 & it must be mentioned in 10th marksheet.If you have that marksheet, choose ‘Yes’ else ‘No’


    5) Enter the displayed security code & click on the button ‘Save & Next’


    Now your response has been successfully recorded.The application form is generated along with the new language details that you may print for future reference.


    Can all applicants change their language choice?

    No.Candidates who had applied for the states -West Bengal, J & K, Himachal Pradesh, Pondicherry, Tamil Nadu, Delhi, Uttarakhand, Uttar Pradesh, Assam, Tripura, Andhra Pradesh, Telengana, Jharkhand & Bihar are only eligible to make these changes.


    Others may login but wont be able to modify the language choices.


    The revised list of official languages for certain states can be seen from the below image:


    UIIC AO Job Profile, Salary & Job Postings Explained

    UIIC AO Job profile,Job profile of AO in insurance company,UIIC AO Salary,UIIC AO Transfers,UIIC AO PostingWhile most people were busy looking for jobs in banks, the UIIC AO recruitment notification seems to have brought focus on the insurance sector.United India Insurance Company (UIIC), also being a public sector insurance organization lists various benefits of applying for their administrative officer jobs.To provide more clarity on UIIC AO job profile, we are explaining here the role along with AO salary, post location & future growth for this post.


    A total of 300 vacancies are to be filled through UIIC AO recruitment 2016 which consists of Generalists & Specialists.


    Job Profile of AO in UIIC

    The job profile of an administrative officer in insurance company is almost similar to that of a PO (officer) in govt bank.The major differences, though can be seen in salary, responsibilities & work environment.


    UIIC AO Job profile,Job profile of AO in insurance company,UIIC AO Salary,UIIC AO Transfers,UIIC AO Posting


    As an administrative officer (AO), you will be assigned to specific departments like underwriting, claims, accounts, legal, marketing etc., based on requirement.Those who are selected for specialist posts shall directly join that particular section.


    It involves more of administrative work only, which would include:

    • Verify the risk proposal & if need be, has to perform underwriting work
    • Authorize claims to policyholders according to the rules & regulations.
    • Delegate work to assistants within the team & oversee their performance.
    • Confirm the issuance of new & renewal policies brought by agents
    • Communicate with necessary departments to follow-up on certain matters
    • Perform any other work as specified by higher officials

    The above list contains only a general overview of the role.United India Insurance has insurance policies under health, motor vehicles, travel, industrial, accident, fire, marine categories.


    Hence the role of an administrative office in the insurance company will change as per the requirements of the department.


    UIIC AO Salary

    Most of you were wanting to know about the details of UIIC AO salary especially after reading the notification which mentions Rs.48,000 /month in metropolitan cities.


    After deductions towards PF, tax etc., your take home salary shall be Rs.40,000 – 42,000 /month depending on the place of posting.


    In addition to the monthly pay, AOs are eligible for various other benefits like accommodation, gratuity, LTS, medical benefits, pension etc.,


    Work Time & Job Location

    While POs in banks may have to meet customers/ visitors regularly, AO has very less customer interaction.Most of the communication is with agents & office staff only.


    Therefore, the normal office timings are from 10 AM to 5.30 - 6 PM on weekdays.This shouldn't be a problem considering you get holidays on all Saturdays & Sundays!


    Since AO job is completely confined within the office & doesn't involve marketing products or training agents, there isn't lot of pressure.


    Wait.Don't get carried away thinking about less work.

    • The branch or office you get posted & even your senior manager determine the amount of work load.
    • If you are posted to an office with lot of business happening, even the regular administrative works shall be higher.

    Postings in West & South India?

    Job posting location is yet another question that many candidates have in mind.AO being an office cadre job, you could be posted anywhere in India.So applicants should be ready to relocate.


    UIIC has also mentioned that large number of vacancies are in the western & southern India.So you will be mostly posted in any of their offices located in these regions only.


    It would take minimum of 3 – 4 years before you can request for transfer to home location.But there is no guarantee of your request to be accepted because of seniority & quota issues.


    About Probation & One Exam You Must Pass

    The probation period for UIIC AO is for a period of 1 year that may be extended by another 6 months.This is like a training phase for new candidates & may be required to
    undergo theoretical / practical training.


    Bond Period: At the time of joining, candidates would need to submit an undertaking to serve UIIC for minimum 4 years (includes 1 yr probation).


    If a person chooses to quit/ resign from the company within 4 years, they should repay the entire salary amount received so far + Rs.25,000 towards cost of training.


    An Exam You Need to Pass: During the probation period, AO`s are required to pass the non-life “Licentiate Examination” conducted by Insurance Institute of India.Only those who pass this exam will be eligible for confirmed employee status.


    If you fail to qualify in this exam within the probationary period, company has the right to terminate you!

    We hope the above article would have explained everything you need to know about UIIC administrative post job.If you are interested to apply, checkout their important rules for 2016 recruitment project.

    Best SBI Clerk Exam 2016 Books Below Rs.200 [Updated List]

    SBI clerk exam 2016 books,Cheap books for SBI clerk exams,SBI clerk prelims booksThere is always a buzz around bank exams & SBI clerk 2016 recruitment has only increased it because of its 17,000 vacancies.To qualify in highly competitive SBI clerk exams, proper preparation is necessary.Since many are searching to buy the best books for sbi clerk exam, we are providing a list.


    Though the bank has changed the post name to Junior associates & Junior agriculture associates, they follow a normal sbi clerk job profile


    The online preliminary examination is expected to be held after May 14, 2016 on weekends.Due to large number of candidates, SBI could conduct it in different batches & shifts.


    best sbi clerk exam books,books for SBI clerk exam 2016,What books to buy for SBI clerk exam,SBI clerk recruitment books

    Books for SBI Clerk Exam 2016

    Although the exam dates are not announced officially, it would be surely happen on 3rd or 4th week of May.This leaves you with very less amount to time.


    We know most of you might have started preparing for sbi clerk prelims after reading our article on how to prepare for SBI clerk exam in 30 days


    Inorder to fasten your preparation, we have shortlisted the best SBI clerk exam books based on buyer reviews & quality of content.


    SBI Clerk Exam Guide: This is the latest edition book for SBI junior associates & junior agri associates exam from Arihant publications.SBI Clerk Junior Associates Exam book


    The book has been prepared according to the modified syllabus of the clerical preliminary exam.It contains detailed study material in – Reasoning, Numerical ability & English language.


    In addition to explanations, you can also find practice exercises to try different models along with few previous year solved questions.


    Overall, this can be the guide for all those who prefer to self-study from home.


    Click here to buy this SBI clerk exam guide for Rs.102 (free delivery in 3 days)


    SBI Clerk Practice Book: After learning the concepts from the above guide, it is necessary to test yourself on it.That can be done only through practice.SBI-clerk-practice


    This book from Arihant publication consists of 30 practice papers for sbi clerk exam as per exam pattern.You shall have 30 full length sets with 100 questions in each just for the purpose of practicing.


    With the solutions also being provided, candidates can verify if their method to solve was correct or not.Practicing these sets should help to learn few shortcuts & also improve your speed.


    Click here to buy this SBI 30 practice sets book for Rs.125 (free delivery)


    Books for Further Reading

    The above books are exclusively released for SBI clerical cadre exams & cover all the important topics as they adhere to the pattern.

    There are some candidates who say “I am weak in english.What book should i refer to improve my scores in english section?”

    Since SBI will fix cutoff scores for each section, it is necessary to qualify in each paper.


    So we are listing the top books to refer for each section so that aspirants who feel they are weak in any of the above subject can buy these guides to study in detail.


    objective english bookEnglish language: Proficiency in english language is one of the eligibility condition specified in SBI clerk recruitment notification.

    This section carries 30 marks in prelims & 40 marks in mains.So all those who feel they are not good in written english can buy this book & learn the concepts.


    The objective english book is a favorite among aspirants to prepare for english language tests, that is backed up 100s of positive reviews.


    Click here to buy Objective English for Rs.170 (free delivery in 3 days)


    Numerical Ability: Knowing the basic math formulas & how to use them in arriving the magical book on quicker maths bookcorrect answers is necessary to score well in this section.


    The magical book on quicker maths by M.Tyra is one of the most popular guide among candidates appearing for competition exams. It is also one the best selling title in that category!


    The explanations are clear with simple illustrations that should help anyone master the art of solving numerical problems.


    Click here to buy Magical Book on Quicker Maths for Rs.219 (free delivery)


    Having known about the SBI clerk exam books, let your preparations begin!


    If you have`nt applied yet, do read the SBI clerk recruitment 2016 notification & see if you are eligible or not, as the last date has been extended to April 28.