Bank Clerical exam is conducted for the recruitment to the post of clerk in banks. Bank clerk is one the most sought-after career paths for the young Indians.

To appear for this examination one must be more than 18 years old and less than 28 years in age. Some banks are also insisted that applicants must have the basic knowledge of computers before joining the bank.

Every year students will be recruited for the posts of clerk through this exam. Applying for the IBPS clerk exam is the first step to get a Clerical job in banks. Applicant must to fulfill the age criteria before filling the application for the exam.

In the 18th century, there were only two banks- Bank of Hindustan and General Bank of India that were opened under British rule. But these banks no longer exist. SBI (State Bank of India) is the first bank owned by the Indian Government and ICCI is the first bank that introduced Net Banking Services.

Clerical post is an entry level position in most banks, which can later help in reaching greater positions in banks. The scope of growth opportunities in this position is all very broad. Every year, the demand for clerks in banks increases at a rapid rate. Candidates applying for Bank clerical jobs must have:

  • Applied for CWE
  • Clear all tests
  • Apply according to the vacancies

Lists of banks for the postings of selected candidates:

  • Allahabad Bank
  • Andhra Bank
  • Central Bank of India
  • Corporation Bank
  • Indian Bank
  • Indian Overseas Bank
  • Syndicate Bank
  • Bank of Baroda
  • Oriental Bank of Commerce
  • Dena Bank
  • Union Bank of India
  • Punjab National Bank
  • Bank of Maharashtra,
  • United Bank of India
  • Bank of India
  • IDBI Bank
  • Canara Bank

Bank Clerical Pay Scale is same as the other public and private sector banks. The salaries of the Bank Clerks have been revised on 25th May 2015 (wef November, 2012). The pay scale for Bank Clerical in Public Sector Banks is under the following scale at the 1st stage of the grade:-

Rs. 11765 – (655×3) – 13730 – (815×3) – 16175 – (980×4) – 20095 – (1145×7) – 28110 – (2120×1) – 30230 – (1310×1) – 31540

(The bracket shows the yearly increment and the number of stages)

The initial Basic Pay of a clerk will be INR.11765

Bank Clerical is also eligible for the following allowances:-

Dearness Allowance (DA)

  • DA in banks is revised on quarterly based on the CPI as declared by Government of India. The dearness (DA) allowance is currently around 40%.
  • The current DA for the month of May, June, July 2015 has been fixed at 33.70% of the Basic Pay.  
  • Dearness Allowance can go up with higher increases and also come down if the inflation rate is in negative.

Special Allowance

  • The special allowance has been added in 10th BPS (w.e.f 01/11/2012) and for scale I is 7.75% on which Dearness Allowance (DA) is also to be paid.

House Rent Allowance (HRA):

  • The HRA is depending on the place of posting of a person and it can be either 7.5% 9.0% or 10% depending on the place of posting.

All the information specifies that the total salary of a Bank clerk on joining at a metro city will be approximately INR. 18,550
However, the total salary of a clerk who has to join in rural area will be approximately INR.18250.  

Selection process of Bank clerks

The Bank clerical exam is conducted by IBPS and SBI. The selection procedure of the exam consists of two stages:

  • CWE (common written examination)
  • Personal Interview

Common Written Examination:

The Common written examination comprises of the Pre-examination and the Main Examination.

The Pre-examination consists of 100 questions, each carrying 1 mark, and the time given to the candidates for the completion of the test is 1 hour. The Main examination consists of 200 questions of one mark each and test duration is 2 hours. The test consists of five sections, which are:

  • Reasoning
  • Aptitude
  • English
  • General awareness
  • Computer knowledge

Personal Interview:

The short-listed candidates from the main examination will be called for personal interview by any participating organization through IBPS. Minimum qualifying marks for the interview is set to be 40% for general category and 35% for the SC/ST/PWD candidates.

After getting a call letter for the personal interview, applicant must carry the following documents on the interview date:

  • Printout of Calls Letter
  • Date of Birth Proof
  • Graduation Mark sheet
  • Photo Identity Proof
  • Reservation Caste Certificate (if applying under reserved categories)
  • Experience Certificates
  • Medical Certificate for Physically Disability candidates

The bank clerk is basically assigned tasks that deal with the daily activities of the bank. Mainly the bank clerks have to perform back office work where one has to face customers and solve their complaints and issues. Bank clerks play a vital role in administration department by engaging in tasks like data entry, typing and other necessary bank information assisted to the customers.

Bank Clerical is responsible for the following tasks:

  • They handle customers and their financial transactions through bank clerical functions.
  • They are the first point of contact for the bank's customers
  • Receive deposits and process the loan payments from bank customers.
  • Answer and respond to bank customers' investigations on financial transactions.
  • Make payments to bank customers after checking and validating customers' signature on cheque.
  • They assist administrative department in their tasks.
  •  Maintain all deposits and payments into the bank's computer systems.
  • Check the availability of funds before making payments to the customers.
  • They are responsible to perform physical verification of cash at the end of the day and reconcile with banking records.

Quantitative aptitude

General knowledge


Verbal Reasoning

Non Verbal Reasoning


Arithmetic and Data Interpretation

Current Affair

Basic computer terminology

Alphabet test

Series test


Information (Data) Interpretation means visual diagrams

Indian Economy

Software & Hardware questions

Mathematical operations test, Series test



pie outlines,

International Economy

Computer abbreviation

Analogy, Odd Man out

Odd figures

Common Errors

Line charts and classification




Miscellaneous test.

Sentence Improvement

Number-crunching (Arithmetic) means roots


Basic knowledge of Internet use etc.

Syllogism, coding decoding


Fill in the blanks


Awards & Honors Sports


Blood relations


Cloze Test




Number, ranking and time sequence


Paragraph Rearrangement

time & work

Agriculture etc.



Analytical reasoning



Antonyms and Synonyms

time & separation

History of Banking


Sitting arrangement




current affairs


Direction sense



benefit & loss

countries / currencies,


Statement and assumptions




Books & Their Authors


Decision making



stocks & shares

Banking Terms


Machine Input






Statement and conclusions




Fiscal Monetary Policies


Passage and conclusions



volume & surface area

Social Function of Banks


Assertion and reason



height & distances



Figure Series






Statement and arguments



permutation & combination



Causes and effects



simple & compound interest



Word formation



Equations and probability



Statement and action's courses



Arithmetic and Data Interpretation






Information (Data) Interpretation means visual diagrams






pie outlines






line charts and classification


















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Institute of Banking Personnel (IBPS) exam concludes in two main steps - Common Written Exam and Personal Interview. Candidate, who qualifies the IBPS Clerical exam, will be called for the final Interview.

Preparation for interview should be taken with utmost importance, as this is a stage that can lead to a favorable decision for the candidate. Most of you might think of it as a difficult and tedious task but it is not so. Preparation for an interview can be made a fun task that you can actually benefit you in long term.

Here are some tips that may be of benefit to you:

Be eloquent

First thing you must know is that an interview is a conversation between two (or more) individuals. Speaking and listening are the two important actions that take place in an interview. This calls for having an excellent hold over communication skills and an ear to hear. To boost your confidence and clarity in speaking, stand in front of a mirror and start speaking; reading books loudly can help you greatly by not only improving your pronunciation but by also bringing in clarity and coherence in whatever it is that you speak. If you can master these two things, every interview will be a cakewalk for you.

Be Confident:

From the moment you enter, the way you greet, the way you answer you will be judged every second by an interviewer.  So be confident, keep your answer short but to the point. Say only how much you know for sure.

Focus more on important topics:

As it is a Clerical interview, and basic questions about banking will be asked such as:

  • RBI Functions
  • Basic banking terms
  • RBI Updates (Important)
  • RBI Tools, Repo rate, Bank rate etc.
  • Your state's politics, history and geography
  • Cabinet ministers
  • Latest government welfare policies
  • Functions of a bank
  • Various services provided by a bank
  • Basics questions related to your education background
  • Lots of personal questions from overqualified candidates and Engineers

Do not panic:

It is not uncommon or strange to lose nervousness when you fail to answer any question. The interviewer already knows that. But he will test your patience and how much stress you can handle. That is exactly what they are trying to see in you. So whenever you panic keep calm and wait for the next question.

Don't wear Jeans:

  • Wearing an expensive suit is not required but make sure that you look formal and serious during interviews.
  • Do not try to crack jokes, fun with interviewers because that's not the best place to show your talent. So avoid it.
  • For girls:  During interview, try to avoid wearing jeans or a colorful Punjabi suit and makeup at any cost because your way of dressing reflects your personality.

Bank Clerical results

Institute of Banking Personnel Selection (IBPS) has conducted Common Written Examination for Clerical Cadre in the month of December. Thousands of candidates who are looking for a job in banking sector applied for the opportunity and they will have to face a three phase selection process of the IBPS. Students can check the results on the official website of IBPS.

Cutoffs of Bank clerical exam in 2015:

Pre exam:











Mains exam:











Bank clerical Coaching

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