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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 30 (last date to pay fees extended) July 2, 3,9 &10
Bank of India Specialist Officers – 500 Posts June 14 -later-
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

How to Write Correct Essays in UIIC AO & SBI PO Descriptive Exams

essay writing descriptive testEnglish essay writing was part of our school syllabus but now, it is an important paper in bank & insurance exams.In addition to the objective papers, there is a separate descriptive section that intends to test candidates english knowledge.Since essay writing questions are to be asked in the exam, we tell you how to write essays in the correct format for upcoming exams.


Since the descriptive tests are conducted online, papers wont be provided in the exam centre.Answers have to typed on a computer using a keyboard including letter writing


Essay Writing Basics

Reading an english essay in books or newspaper could be simple but writing it yourself is not an easy task.With just 30 minutes to complete the paper, it is necessary to know how to write a proper essay within the given time.


The total marks allotted for essays could range between 20 to 30.Generally, the number of words is specified in the question paper itself.If its not mentioned, you may write an essay in 250 – 300 words.


It is always best to follow a format while writing an essay.So here are the important parts of a good essay:

  • Introduction
  • Main body
  • Conclusion

Let me explain this format with a sample essay topic asked in one of the previous year UIIC AO descriptive test.


Steps taken by government to increase insurance penetration


India with a population of over 1 billion is the 2nd most populous country in the world. But the number of insured people is only around 20% which is very less compared to other countries.There could be many reasons for this shortfall such as lack of awareness or the inability of companies to reach the masses.But the government of India on its part has taken many steps to increase insurance penetration.Let us see some of them.


The biggest step taken by the government in recent years was raising the Foreign Direct Investment (FDI) to 49% from the earlier 26%.This amendment paved way for foreign insurance companies to start operations in India by partnering with existing entities & offer more products suited for Indian public.


In a major push to increase insurance penetration, the Indian PM Narendra modi launched “Pradhan Mantri Suraksha Bima Yojana (PMSBY), a personal accident insurance scheme with coverage of Rs.2 lakh at a premium of Rs.12 / annum & Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), a life insurance scheme with coverage of Rs.2 lakh at a premium of Rs.330 / annum.


Nearly 124 million Indians have enrolled for these schemes, as of February 2016.


To promote the need for retirement savings, the central government reduced the service tax on single premium annuity policies from 3.5% to 1.4%.It brought down the premium amount to be paid by the policy holder significantly.


Although the government has brought many reforms in the insurance sector, the above steps have helped more people to take up insurance policies. So in the coming years, we can be confident of seeing higher growth in insurance penetration among Indians.


How I Wrote an Essay?

I wrote the above essay in 275 words by sticking to the already mentioned format.Any essay article should be divided into three parts for easier writing.




Introduction: It should always be the first paragraph.You must write 5 – 6 sentences covering only the general points about the question/ topic.

The topic that i chose to write was about insurance penetration.So a broad outline of the present insurance sector in India can be the only introduction that one can write.

Similarly, you should write a suitable introduction for any topic but make sure it does not exceed 6 sentences or 70 words.


Also checkout: SBI PO descriptive test pattern & cutoffs


Main body of the essay: This is where you are supposed to write all the relevant content regarding the topic.You should not explain about the introduction or the overall view here because the word limit is just 250 – 350 words.So start describing the points directly.

In the sample essay, there are only 3 paragraphs in the body section but i have mentioned 3 important steps taken by the government.

There are marks given to the structure of your content as well.So write in paras as it not only looks good but makes reading also easy.


Conclusion: Finally, the last paragraph should always be the conclusion.But it should be framed in such a way that the reader must feel like “Oh, he/ she is concluding the article”.

Look at the concluding paragraph of my passage.It contains 2 sentences but i have summarized the entire essay by stating that these steps were taken by the government & connected it with the topic (how it helps to increase insurance penetration).

Whatever topic is given, your conclusion should sum up the complete article linking it to the title.Do not end the essay abruptly without writing a proper ending statement.


How to Practice Essay Writing?

Newspapers can be the best guide to practice essay writing.We recommend you to read The Hindu or The Indian Express or The Business Line & see how they frame sentences.

  • Pick any general topic & read the complete article
  • Write an essay on it in the format given above

Try to write atleast 2 articles per day so that you are comfortable & confident to attend the questions on the exam day.


Books covering essays on various topics are available at cheap rates nowadays.They can be bought but remember, it is just a reference & practice guide.


* Modern Essays (more than 150) for Rs.109 – Click here to buy online


Dont expect the same articles you read in books & papers to be asked in the exam as well.Questions can be framed based on anything but if you know the basics, you can easily crack it.


If you are following any other method to write essays, do share it with others using the form below.

Case Filed in Court to CANCEL SBI Clerk Recruitment 2016!!

state_bank_of_indiaNo other news could be more shocking than the possiblity of SBI clerk recruitment 2016 getting cancelled.A bank job aspirant has filed a case in madras high court against state bank of india for not allowing loan defaulters to apply for their recruitment of 17,000 junior associate (clerical) jobs.He has also sought the court to direct SBI to issue a fresh notification for all candidates to apply.


The SBI clerk recruitment for 17000 junior associates & junior agricultural associates was announced in March 2016.It is the largest hiring by a public sector bank in recent years.


In addition to the regular eligibility conditions for age & educational qualifications, there was one specific rule regarding loan repayment.The validity of it is now being questioned.


What is the Case About?

S Gurukrishna Gokul, an aspirant has filed a public interest litigation (PIL) on May 25 in the Madras high court against State Bank of India.


In his petition, he has stated that SBI in its recent clerical notification, had declared candidates with record of default in repayment of loans as not eligible for these jobs.


“This condition will prevent a large number of economically & socially backward candidates from applying for the posts.If they were appointed, after selection process, they would be able repay the loans”, he insisted.


He has also submitted that, instead of providing employment for candidates to make them repay loans, the bank is creating more educational loan defaulters by coming up with such “unreasonable & arbitrary ineligibility conditions”.


Many are Affected; So Quash the Recruitment

Adding to the petition, he claims that at a time when a large number of poor students were searching for jobs in government & public sector units, this condition made them ineligible to apply for the exam.madras-high-court


He has requested the court to direct State bank of India to cancel the clerk recruitment & issue a fresh notification so that more candidates can apply.


Notice sent to SBI & Indian Govt: The Madras High Court bench comprising of Justices R Mahadevan & SS Sundar have issued notices to the SBI chariman & central governement.


As per the order, they are required to file their explanation on this PIL within 2 weeks.


What Next: Will SBI Recruitment be Cancelled?

Since the court has given two weeks time to explain their stand, what the union govt & SBI have to say on this PIL is yet to be seen


Whatever it is, their defence should be strong enough to convince the bench because the petition is about employment of lakhs of students.


If you are wondering what could happen next, here are the possible outcomes:


1) If the bench finds fault with SBI, they may strike down the recruitment & order the bank to issue a new notification as sought by the petitioner.




State bank may come up with an alternative solution of opening the application process again.This shall help those candidates who were ineligible earlier due to loan default, to register.


2) If SBI manages to convince the court by explaining the reasons behind such a rule, then the recruitment WILL NOT be cancelled.


But, State bank of india might continue with this condition for their future recruitments as well.


Hence the final verdict of this PIL case will have a far reaching impact especially on those students who are completing their degree through loans & aspiring for bank jobs.


Delay in Clerk Exam Results?

The sbi clerical exams are currently underway all over india.Since the tests are conducted online, results are normally announced within 7 –10 days after completion.


With a case already in court, there is a question on whether SBI will release the 2016 clerk exam results on time or wait till the proceedings are over.


Incase they choose to wait for the judgement, announcment of results could get delayed.


BankExamsIndia.com will be following these developments closely & updating the case status regularly on this website.

Bank of India Recruitment for 500+ Specialist Officers | No IBPS Scores

bank of india recruitment 2016,bank of india specialist officers jobs,bank of india markering executives jobs,jobs in bank of india Bank of India has invited applications for the recruitment of 517 specialist officers.BOI, one of the leading public sector banks in India has a presence of over 3100 branches across the nation.With headquarters in Mumbai, the bank also has 29 branches in foreign countries.For this specialist recruitment 2016-17, they are hiring for officers under general banking stream.


While IBPS specialist officer exams are held for recruiting scale I officers, banks have started conducting separate selection process for scale II & above that are purely for experienced professionals. 


Bank of India Posts & Vacancies:

Officer – Credit (scale I) – 217 posts

Manager (scale II) – 200 posts

Senior manager (scale III) – 100


The category-wise breakdown of available posts can be seen below:



Dates to Note

Online application registrations from May 31 to June 14, 2016

Date of online test will be informed later

Who are Eligible to Apply?

To apply for bank of india specialist officer recruitment 2016, you need to satisfy the following conditions.


* IBPS exam scores are not required.Hence all those who have not appeared or couldn't clear the test can also apply.




(as on 1.04.2016)

Education details

(as on April 1,2016)

Officer Credit

21 – 30 yrs

* B.Com with 60% (55% for obc,sc,st,pwd) AND MBA/ PGDBM/ PGDBA from a recog. univ/ college OR

Chartered Accountant OR ICWA


* No experience required


28 – 35 yrs

* B.Com with 60% (55% for obc,sc,st,pwd) AND MBA/ PGDBM/ PGDBA from a recog. univ/ college OR CA OR ICWA

* Minimum 5 yrs experience in bank/ financial institution is required.
Senior Manager

30 – 38 yrs

* B.Com with 60% (55% for obc,sc,st,pwd) AND MBA/ PGDBM/ PGDBA from a recog. univ/ college OR CA OR ICWA

* Minimum 7 yrs experience in bank/ financial institution is required.

# can apply for any one post only.

Note: Bcom degree holders (UG) are only invited to register.So BE/ Btech/ Bsc/ Msc graduates are NOT eligible for this recruitment.


Candidates who are in final year/ semester of their MBA/ PGDBM/ PGDBA degrees are also eligible to apply but the final results should be declared on or before Aug 31, 2016.


Selection Process

Although the bank is hiring for senior scales, selection for all posts will be based on online test & interview.


There will a common online test for 150 marks in general awareness, financial management & english language.The cutoffs to score in each section is 20 marks out of 50.




While the marks secured in english will not be taken for final merit list, there is negative mark of 0.25 for each wrong answer in all objective tests.


Based on the exam marks, candidates will be shortlisted for interviews, following which the final merit list would be prepared.


Registration Fee & Steps

The online registration link is available on bankofindia.co.in through which you can submit your applications after entering the correct details.

All applicants are required to pay Rs.600 [Rs.100 for SC/ST/PWD] through an online payment gateway integrated with the application form.You may use Debit/Credit cards or Netbanking facility to transfer the fee amount.

On successful completion of registration & payment, do not forget to take a print of the e-receipt & the system generated application form for future reference.


Read the Notice

Candidates looking to apply for bank of india recruitment 2016 should download the notification from their site here (.pdf)


The online application link will be activated after May 31, 2016.So check this page later.

How to Prepare for SBI PO Exam 2016 in 7 Weeks [Study Plan]

How to prepare for SBI PO in 30 days,SBI PO 2016 study plan,SBI PO syllabus,SBI PO topics to cover,SBI PO prelims study plan“How to prepare for SBI PO exams in 30 days/ 2 months, What SBI PO study plan to follow, What is the syllabus for SBI PO exams” are some of the common questions asked by candidates getting ready for SBI PO exams 2016.The huge competition for these jobs is the main reason for applicants desperately looking to crack SBI PO exams.


2200 PO vacancies are to be filled as part of SBI PO recruitment 2016.Most of you would know that the selection process involves two phases

  • Phase I – Preliminary Exam
  • Phase II – Main Exam

Since the SBI PO prelims exam is to be conducted on July 2, 3 , 9 & 10th, we are publishing a very detailed study plan to help you prepare in 7 weeks.


Before proceeding further, let us take a look at the exam syllabus first along with the topics to cover in each section.


SBI PO Prelims Syllabus

The important highlights of SBI PO recruitment`s preliminary test are:

  • 1 hour time limit
  • 3 sections
  • 100 questions | 100 marks

As this prelims paper does not have GK section, you can concentrate only on the following 3 core subjects.


Quantitative Aptitude: This section will have 35 questions from the following chapters:

  • Numbers – Basics of Number Systems; HCF & LCM; Simplication; Number Series
  • Arithmetic – Averages & Allegations; Ratio & Proportion; Percentage, Profit & Loss; Simple & Compound Interest; Age Problems; Speed, Time & Distance; Time & Work
  • Modern Math – Probability; Permutations & Combinations
  • Geometry – Mensuration (question around area, perimeter and volume)
  • DI – Data Interpretation & Data sufficiency

It is very likely that DI will be part of QA as most PO exams including IBPS PO refer to this section as “Quantitative Aptitude” but a significant portion of it is dedicated to DI questions.


Reasoning: It will have 35 questions asked from the below topics:

  • Analytical Reasoning – Seating Arrangements, Grouping, Selection, Matching etc
  • Other Verbal Reasoning - Blood Relations, Coding-decoding, Input-Output, Critical Reasoning (Statement-Assumption, Strong & Weak Arguments, Courses of Action), Direction Sense, Venn diagrams.

While the level of questions shall be of easy to moderate level, each correct answer fetches you 1 mark.


English: This section shall contain 30 questions from the following areas:

  • Grammar
  • Parajumbles
  • Cloze Test
  • Fill in the blanks
  • Vocabulary
  • Reading Comprehension 

It is compulsory to pass in each section by scoring the necessary prelims cutoffs.Each wrong answer will fetch you 0.25 negative mark too.


SBI PO Study Plan

A comprehensive study plan has been designed based on the syllabus & importance of topics.


Reading the table:The topic colors tell you the expected no. of questions from a specific topic.


The mentioned time in the plan is for an entire week & not for 1 day.It also recommends allotting 25% of the time for learning & 75% for practice.


For example, if 8 hours is mentioned for a topic, it means that you spend 2 hours for learning the concepts & 6 hours in practicing them.


Prepare for SBI PO exam in days,SBI PO prelims study plan,SBI PO 2016 study plan pdf,SBI PO syllabus topics,SBI PO Online Mocks


Want a more personalized plan? Click here to create your own personal SBI PO Prelims exam plan using Oliveboard’s study planner.


As you can see from the table, the final weeks are completely allotted only for practicing. This is mainly to improve your speed & accuracy which is very much required for the SBI PO prelims.


Important: Only if you qualify in the preliminary test, you will be shortlisted for the main exam.Hence a systematic approach for all round preparation is necessary.


This SBI PO exam study plan was exclusively created for BankExamsIndia.com readers by Oliveboard.It is an exam preparation site for Bank PO exams providing Videos, Study Material, Practice Tests and Test Series for SBI PO (Prelims & Mains) and IBPS PO (Prelims & Mains).They were chosen as one of the top education startups of India.Click here to visit the site.

SBI PO Exam Books:

Before moving with the SBI PO study plan, you need to have the necessary books that shall help you to self study from home.


All the books listed below are very popular among candidates.They have received many positive reviews & rated as cheap & best on online book stores.


Guides & Practice Stuff:
* Click here to buy SBI PO Exam Guide (for Prelims & Main Exam) – Rs.499

* Click here to buy online Practice sets for SBI PO prelims exam for Rs.135

Quantitative aptitude:
Fast Track Objective Arithmetic by Arihant publications – Rs.237 – Click here to buy

Objective English by S P Bakshi for Rs.171 – Click here to buy online

1. Analytical reasoning by M.k pandey – Rs.158 – Click here to buy online

Online Mock Tests
* Click here to buy 20 SBI PO prelims & 10 mains online mocks for Rs.749


We believe the above syllabus & study plan will help you in managing the available time effectively to crack the test.

SBI PO 2016: Online Fee Payment Extended Till May 30 [Latest News]

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.


Pay SBI PO Fees upto May 30!!

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 on May 27: State Bank of India has extended the last date to pay the application fees for PO recruitment process.You can now make the online payment till May 30, 2016


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



SBI PO online payment,SBI PO 2016 payment,SBI PO online payment problems,SBI PO login


Only those who had registered & have valid login details are eligible to make SBI PO online fee payment.Here are the new dates.

  • Last date to submit application form – May 24
  • Last date for online fee payment – May 30

SBI PO login page: If you want to pay the fees, click here to login using your registration number & password.


How to Solve Fee Payment & Registration 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” or
  • “Transaction booked” or
  • “Transaction paid out”

In such situations, 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.

hSBI 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.


The payment links are active 24 hours continuously.So if you still cannot make the fee payment during day time,

  • Login to your application after 12 AM midnight & try to complete the payment
  • Some candidates were able to successfully transfer the amount between 3 – 6 AM (early morning)

Since SBI has not provided any other alternative mode to submit fees, you should keep trying throughout the day & night too.


2) 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 using computers with broadband internet connection
  • Mobile 3g data link goes down often.So avoid using mobile phones.

As time passes, more number of people would start visiting the website making it even harder.Therefore make sure to complete the payment before 9 AM.


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.

NABARD Grade A & B Exam 2016 Results Announced | Mains on June 12

The NABARD exam results of preliminary test held for the recruitment of posts in grade & B have been released.This should be an exciting news for many as there was good response among candidates to apply for NABARD recruitment 2016.Since these are the results for preliminary exam, selected individuals will now have to appear for the main exam on June 12, 2016.


The NABARD recruitment 2016 had notified in March, to fill 100 Assistant managers (grade A) & 15 Managers (grade B).


The Phase I of selection process was an online preliminary written test that is common to both posts.It was conducted on May 15, 2016 which was termed by candidates as moderate in their exam review.


NABARD Prelims 2016 Results

10 days after the test, the bank has come out with their results for both posts.The roll numbers of chosen candidates are published on their website.


* Click here for the Grade A test results (.pdf)


* Grade B candidates, click here to view the results (.pdf)


The main exam (descriptive test) would be held on June 12, 2016 for which these selected persons are eligible to appear.


Checkout NABARD exam pattern & syllabus to know about the main exam papers, marks & time alloted for each section.

UIIC AO Previous Year Cutoff Marks – Sectional & Total

uiic ao cutoff marks,previous year cutoff of uiic ao,UIIC AO exam cutoff marks,uiic administrative officer cutoff marksThe United India Insurance Company`s (UIIC) administrative officers recruitment has caught the fancy of many govt job aspirants.Well, who wouldn't want to join as an officer in public sector insurance firm? So many had applied for the UIIC AO recruitment who will appear for the written exam on June 12.Therefore we have compiled the previous year UIIC AO cutoffs for you to plan & prepare for the test accordingly.


300 vacancies (generalists & specialists) are to be filled through UIIC AO recruitment 2016 & as per their notification, there will be only one exam for all candidates.


it was already declared that the online test for both cadres shall happen on June 12, 2016.The UIIC AO exam pattern & marks are similar to bank exams with the written test carrying 200 marks.


UIIC AO Exam Previous Cutoffs

In October 2014, United india insurance company had notified to recruit 323 AO`s for which the exams were held in January/ February 2015.


To become eligible for interviews, cutoffs are applied in 3 phases in the written test stage:

  • On each section in objective test
  • On the total marks of objective test
  • On descriptive test

Sectional Cutoffs: There was no difference in exam papers compared to this year.So here are the much expected qualifying marks in each section


Subject name

Total Marks







Quantitative aptitude




General awareness




English language




Computer literacy





Only those candidates who score equal to or above these marks in each section were considered to have passed.


Cutoffs on total marks: We are providing you with category-wise cutoffs of years 2013 & 2015.The total marks were out of 200.




Descriptive Test Cutoffs: While the above scores are for objective tests, there is a separate cutoff for UIIC AO descriptive test.



Score above Cutoffs, Get Qualified

Having seen all the cutoff marks, your plan of action is simple.


Inorder to pass & qualify for interviews, you need to score above these cutoffs in UIIC AO exam 2016.Because, these qualifying marks shall remain similar for this year too.


So secure these scores & get qualified for AO job in United India insurance.


Books & Study materials: Many of you were asking for UIIC AO exam books but there are no books or materials available exclusively for this recruitment.

Therefore, we are suggesting you to make use of bank PO exam books as the pattern is the same for both.

For practice and revisions, you may utilize online mock tests.Here are some recommended practice tests from Oliveboard.


* UIIC AO exam online mock testsClick here to buy 10 mocks for Rs.499


We hope these previous year cutoffs will provide a big relief to candidates who were requesting us for a long time.Now, its time to crack the UIIC AO exam!!

Which SBI PO Exam Books to Buy? – 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.


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

Letter Writing in SBI PO & UIIC AO Descriptive Tests | How to Write English Letters

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!!