127 Posts – Indian Overseas Bank SO Recruitment 2025(All India Can Apply) – Last Date 03 October Govt Exam Update

Indian Overseas Bank SO Recruitment 2025 : Indian Overseas Bank (IOB) has officially released the notification (Advt. No. HRDD/RECT/03/2025-26) for the recruitment of 127 Specialist Officers in MMG Scale II and III. Eligible candidates can apply online from 12th September 2025 to 3rd October 2025 through the official website www.iob.in. Check eligibility, vacancy details, selection process, and other important information for Indian Overseas Bank SO Recruitment below.

Indian Overseas Bank SO Recruitment 2025 Overview

The official Indian Overseas Bank SO Notification 2025 PDF was released on 12th September 2025. Indian Overseas Bank invites online applications from qualified and experienced professionals for various Specialist Officer posts. The recruitment drive aims to fill vacancies in domains such as IT, Audit, Risk, Civil, Electrical, Treasury, Corporate Credit, and more. Interested candidates must apply online within the stipulated dates. It contains detailed information about vacancies, eligibility criteria, application process, and selection procedure.

IOB SO Vacancy 2025

A total of 127 vacancies are available across various posts for the Indian Overseas Bank SO Recruitment. The category-wise and post-wise breakdown is as follows:

IOB SO Eligibility Criteria 2025

Indian Overseas Bank SO Recruitment Eligibility includes age, education, and work experience. Criteria vary by post and scale, with relaxations as per govt rules. Candidates must check the following eligibility criteria before applying:

Educational Qualification

• Manager (IS Audit): MCA/MSc/BE/BTech in IT/CS/Electronics with CISA/CISSP/ISO 27001.
• Manager (Civil): BE/BTech in Civil Engineering.
• Manager (IT): BE/BTech/MCA/MSc in CS/IT with 60% marks.
• Manager (Risk): CA/CMA/CFA/MBA (Finance)/Masters in Maths/Stats/Economics.
• Detailed qualifications are post-specific. Refer to the notification.

Age Limit (as on 01.09.2025)

• MMGS II: Min 25 years, Max 35 years
• MMGS III: Min 30 years, Max 40 years
• Age relaxation as per govt rules for SC/ST/OBC/PWD.

Experience

• 2 to 10 years of relevant post-qualification experience required (varies by post).

Also Read : 120 Posts – Reserve Bank of India – RBI Grade B Recruitment 2025(All India Can Apply)

Indian Overseas Bank SO Recruitment Application Form 2025

Applications are open online from 12 Sept to 3 Oct 2025. Candidates must register, upload documents, and pay fees to apply. The online application window is open from 12th September to 3rd October 2025. Follow these steps to apply:

1. Visit the official website: www.iob.in.
2. Go to the “Careers” section and click on “Recruitment of Specialist Officers – 2025-2026”.
3. Register online with your details.
4. Fill in the application form with personal, educational, and experience details.
5. Upload scanned photograph, signature, left thumb impression, and handwritten declaration.
6. Pay the application fee online.
7. Submit the form and take a printout for future reference.

🪸🪸Got it ✅ — here’s a 15-question practice set with answers🪸🪸

for IOB Specialist Officer (SO) Recruitment 2025 based on the online objective test pattern

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📝 IOB SO Recruitment 2025 – 15 Practice Questions

English Language

1. Synonym
Q1. Choose the word most similar in meaning to “ABUNDANT”:

(A) Scarce

(B) Plentiful

(C) Rare

(D) Insufficient

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2. Antonym
Q2. Antonym of “MITIGATE”:

(A) Alleviate

(B) Worsen

(C) Ease

(D) Reduce

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3. Sentence Correction
Q3. “He don’t like to attend meetings.”

(A) don’t → does not

(B) like → likes

(C) He → Him

(D) No error

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4. Fill in the Blank
Q4. She is keen ______ learning new skills.

(A) on

(B) in

(C) to

(D) for

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5. Reading Comprehension (Single Q)
Q5. “Inflation refers to:

(A) Rise in prices

(B) Fall in prices

(C) Stagnant economy

(D) Growth in production”

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General Awareness – Banking Focus

6. RBI Headquarters
Q6. Where is the RBI headquartered?

(A) New Delhi

(B) Mumbai

(C) Kolkata

(D) Chennai

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7. Monetary Policy Tool
Q7. CRR stands for:

(A) Cash Reserve Ratio

(B) Capital Reserve Rate

(C) Credit Risk Ratio

(D) Current Reserve Requirement

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8. Financial Institution
Q8. SIDBI primarily deals with:

(A) Industrial Development

(B) Rural Development

(C) Stock Market

(D) Export-Import

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9. Banking History
Q9. When was the Reserve Bank of India nationalized?

(A) 1947

(B) 1949

(C) 1950

(D) 1951

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10. Current Affairs – Banking
Q10. The 2025 budget allocated the highest share to which sector?

(A) Defence

(B) Education

(C) Infrastructure

(D) Health

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Professional Knowledge (Banking/Finance)

11. Credit Assessment
Q11. What is the primary purpose of a credit rating?

(A) To assess borrower creditworthiness

(B) To measure bank liquidity

(C) To calculate interest rates on deposits

(D) To determine GDP growth

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12. Banking Terms
Q12. Basel III norms are related to:

(A) Capital adequacy of banks

(B) Taxation rules

(C) Government budget

(D) Financial inclusion

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13. Finance – Instruments
Q13. A derivative is:

(A) A currency note

(B) A financial contract whose value depends on an underlying asset

(C) A government bond

(D) A stock index

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14. Risk Management
Q14. Liquidity risk refers to:

(A) Risk of market prices falling

(B) Risk of insufficient cash to meet obligations

(C) Risk of credit default

(D) Risk of operational failure

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15. Banking Regulation
Q15. KYC stands for:

(A) Know Your Client

(B) Keep Your Credit

(C) Know Your Credit

(D) Keep Your Cash

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IOB SO Recruitment Selection Process 2025

The selection process of the Indian Overseas Bank SO Recruitment is consists of:

Online Examination (100 marks):

• English Language (25 questions, 25 marks)
• General Awareness (25 questions, 25 marks)
• Professional Knowledge (50 questions, 50 marks)
• Duration: 2 hours
• Negative marking: 0.25 marks per wrong answer

Interview: Final selection will be based on combined performance in the online exam and interview.

Also Read : 976 Posts – The Airports Authority of India – AAI Junior Executive Recruitment 2025(All India Can Apply)

IOB SO Salary 2025

Selected officers get pay in MMGS II & III scales. Salary includes allowances like DA, HRA, and other benefits. Selected candidates will receive the following salary:

• MMGS II: ₹64,820 – ₹93,960
• MMGS III: ₹85,920 – ₹1,05,280
  Additional allowances: DA, HRA, CCA, etc., as per bank rules.

IOB SO Recruitment 2025: FAQs

Q1. Is Indian Overseas Bank SO Notification 2025 released?
Yes, the notification was released on 12th September 2025.

Q2. How many vacancies are available for Indian Overseas Bank SO Recruitment?
There are 127 vacancies for Specialist Officers.

Q3. What is the last date to apply?
The last date to apply is 3rd October 2025.

Q4. What is the selection process?
The selection process includes an online exam followed by an interview.

Q5. What is the application fee?

• SC/ST/PWD: ₹175
• All Others: ₹1000