📘 What is IBPS PO?
IBPS PO is a job for the post of Probationary Officer in various public sector banks. The recruitment is conducted in three stages:
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Preliminary Exam
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Main Exam
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Interview
After clearing all stages, selected candidates undergo training and probation in the bank.
📅 IBPS PO 2025 Exam Overview
Feature | Details |
---|---|
Exam Name | IBPS PO 2025 |
Conducting Body | Institute of Banking Personnel Selection |
Vacancy (Expected) | 4,000+ |
Mode of Exam | Online (CBT) |
Job Location | Across India |
Official Website | www.ibps.in |
💼 Job Role of an IBPS PO
An IBPS PO works as a junior manager in a bank, handling:
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Customer service
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Loan processing
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Report generation
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Handling daily transactions
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Supervising clerical staff
💰 IBPS PO Salary Structure (2025)
Let’s break down the typical monthly in-hand salary of a newly joined Probationary Officer:
Component | Amount (₹) |
---|---|
Basic Pay | 36,000 |
DA (Dearness Allowance) | 12,000 |
HRA (House Rent Allowance) | 3,240 |
City Compensatory Allowance | 1,400 |
Special Allowance | 5,904 |
Total (approx) | ₹58,000/month |
Net in-hand salary after deductions is around ₹52,000–₹54,000 depending on the city and allowances.
🧾 Financial Report for an IBPS PO (Annual)
Here’s a sample annual income and expense report of an IBPS PO based on current structure:
Annual Revenue
Income Source | Amount (₹) |
---|---|
Basic Salary | 4,32,000 |
Allowances & Perks | 1,92,000 |
Bonus (approx) | 25,000 |
Total Annual Income | ₹6,49,000 |
Annual Expenses (Estimate)
Expense Category | Amount (₹) |
---|---|
Rent/Accommodation | 96,000 |
Food & Living Expenses | 84,000 |
Travel & Commute | 24,000 |
Insurance, Loans, EMI | 60,000 |
Miscellaneous | 36,000 |
Total Expenses | ₹3,00,000 |
📊 Sample Balance Sheet (IBPS PO - Individual)
Assets | Liabilities |
---|---|
Cash in Hand/Bank (Savings) | Education Loan (if any) |
Fixed Deposits | EMI Payables (Phone, Bike) |
Provident Fund Accumulation | Credit Card Dues |
Gold or Property (if owned) | Miscellaneous Payables |
Total Assets: ₹4.5–6 Lakh | Total Liabilities: ₹1–2 Lakh |
Note: Values are illustrative and may vary depending on personal choices.
🧑🎓 Who Can Apply?
Eligibility Criteria:
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Age: 20 to 30 years (Relaxation for reserved categories)
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Education: Graduation in any discipline from a recognized university
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Nationality: Indian citizens
📝 Exam Pattern (Quick Overview)
Preliminary Exam:
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English: 30 Questions (20 min)
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Quantitative Aptitude: 35 Questions (20 min)
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Reasoning: 35 Questions (20 min)
Mains Exam:
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Reasoning & Computer Aptitude
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General/Economy Awareness
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English Language
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Data Analysis & Interpretation
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Descriptive Test (Essay + Letter)
✅ Advantages of Being a PO
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Government-backed stable job
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Growth opportunities up to General Manager level
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Pension benefits and gratuity
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Housing loan at low interest
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Social respect and prestige
📢 Disclaimer
This blog is for informational purposes only. Financial figures are approximate and may vary by bank, location, and government updates. For official details, visit the IBPS website.