IOB Local Bank Officer Recruitment 2026-27 – 250 Vacancies (JMGS-I)
Indian Overseas Bank | Advt. No. HRDD/RECT/02/2026-27 | Dated 07.08.2026
The Indian Overseas Bank (IOB), a leading Public Sector Bank headquartered in Chennai, has invited online applications for 250 vacancies of Local Bank Officer (LBO) in JMGS-I scale. Selected candidates will be posted within their applied state for the first 12 years of service (or till promotion to SMGS-IV, whichever is earlier). Online registration is open from 08.08.2026 to 24.08.2026. This article covers complete details including state-wise vacancies, eligibility, fee, exam pattern, salary and how to apply.
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📋 IOB LBO 2026-27 – Overview
| Organization | Indian Overseas Bank (IOB) |
| Post Name | Local Bank Officer (LBO) – JMGS I |
| Advertisement No. | HRDD/RECT/02/2026-27 |
| Total Vacancies | 250 (Tamil Nadu, Karnataka, Maharashtra, Gujarat) |
| Application Mode | Online |
| Registration Start Date | 08.08.2026 |
| Registration Last Date | 24.08.2026 |
| Age Limit (as on 01.08.2026) | 20 – 30 years |
| Qualification | Graduation in any discipline |
| Application Fee | SC/ST/PwBD: ₹175 | Gen/EWS/OBC: ₹850 |
| Selection Process | Online Exam + LPT + Personal Interview |
| Exam Weightage | Online Exam : Interview = 80 : 20 |
| Starting Basic Pay | ₹48,480/- |
| Probation Period | 2 years |
| Official Website | www.iob.bank.in |
🏦 State-wise Vacancy Details
Candidates can apply for only ONE state and must be proficient in that state's mandatory local language. Some states include backlog vacancies. Reservation for PwBD is on a horizontal basis, so PwBD candidates are placed under their respective SC/ST/OBC/EWS/UR category.
| State | Language | Vacancies | SC | ST | OBC | EWS | UR |
| Tamil Nadu | Tamil | 100 | 15 | 6 | 33 | 9 | 37 |
| Karnataka | Kannada | 50 | 8 | 3 | 16 | 4 | 19 |
| Maharashtra | Marathi | 50 | 7 | 4 | 15 | 5 | 19 |
| Gujarat | Gujarati | 50 | 6 | 5 | 16 | 4 | 19 |
| Total | 250 | 36 | 18 | 80 | 22 | 94 | |
PwBD sub-category breakup (out of total vacancies): VI – 2, HI – 2, OC – 5, ID – 3. Vacancy numbers are provisional and may vary as per actual bank requirement.
🎂 Eligibility – Age Limit
Age as on 01.08.2026: Minimum 20 years, Maximum 30 years (born between 02.08.1996 and 01.08.2006, both dates inclusive).
| Category | Age Relaxation |
| SC/ST | 5 years |
| OBC (Non-Creamy Layer) | 3 years |
| Persons with Benchmark Disabilities (PwBD) | 10 years |
| Persons affected by 1984 riots | 5 years |
| Ex-Servicemen/ECOs/SSCOs (min. 5 yrs military service) | 5 years |
Note: Maximum age limit is applicable to General and EWS candidates. Cumulative age relaxation is available to SC/ST/OBC candidates (combined with one more applicable category), subject to a maximum age of 50 years. There is no reservation for Ex-servicemen in Officers' cadre, but age relaxation applies as per government guidelines.
🎓 Eligibility – Educational Qualification
- Graduation (Degree) in any discipline from a University recognized by the Government of India, or an equivalent qualification recognized by the Central Government.
- Candidate must possess a valid Mark-sheet/Degree Certificate confirming graduate status on the date of registration itself and must indicate the percentage of marks obtained while registering online.
- Cut-off date for age and qualification eligibility: 01.08.2026 (first day of the month in which registration commences).
- Local Language: Candidates must be proficient in reading, writing and speaking the mandatory local language of the state applied for. Those who haven't studied it in 10th/12th standard must clear a Local Language Proficiency Test (LPT) before the interview.
🌍 Nationality/Citizenship
A candidate must be a Citizen of India, or a subject of Nepal or Bhutan, or a Tibetan refugee who came to India before 1 January 1962 with the intention of permanently settling, or a person of Indian origin migrated from Pakistan, Burma, Sri Lanka, East African countries (Kenya, Uganda, Tanzania, Zambia, Malawi, Zaire, Ethiopia) or Vietnam with intention to permanently settle in India. Candidates in categories other than (i) must hold a certificate of eligibility issued by the Government of India.
♿ PwBD & EWS Eligibility
The post is identified suitable for PwBD candidates under categories: Orthopedically Challenged (OC) – OA/OL/OAL/BL including Leprosy Cured, Cerebral Palsy, Dwarfism, Muscular Dystrophy, Acid Attack Victims; Visual Impairment (VI) – Blindness/Low Vision; Hearing Impaired (HI) – Deaf/Hard of Hearing; and Intellectual Disability (ID) – Autism Spectrum Disorder, Specific Learning Disability, Mental Illness. Only benchmark disability (40% or more) qualifies for reservation, and disability certificates are subject to UDID portal verification. Persons with a disability condition marked "likely to improve" (temporary) are not eligible for reservation.
EWS: Candidates not covered under SC/ST/OBC reservation, with family gross annual income below ₹8 lakh, are eligible under Economically Weaker Section, subject to asset limits (agricultural land below 5 acres, residential flat below 1000 sq ft, etc.) and require an Income & Asset Certificate from a competent authority.
💰 Application Fee Details
| Category | Fee/Intimation Charges (incl. GST) |
| SC / ST / PwBD | ₹175/- (Intimation charges only) |
| General / EWS / OBC | ₹850/- |
Fee is non-refundable and non-adjustable against any other recruitment process. Payment can be made online via Debit Card, Credit Card, Internet Banking, BHIM/UPI.
📝 Selection Process
Selection comprises Online Examination → Local Language Proficiency Test (LPT, if applicable) → Personal Interview. Final merit is based on combined scores of Online Exam and Interview in an 80:20 weightage ratio.
Online Examination Pattern (200 Marks, 3 Hours)
| Topic | Questions | Marks | Duration |
| Reasoning & Computer Aptitude | 30 | 60 | 60 min |
| General/Economy/Banking Awareness | 40 | 40 | 30 min |
| Data Analysis and Interpretation | 30 | 60 | 60 min |
| English Knowledge | 40 | 40 | 30 min |
| Total | 140 | 200 | 3 Hours |
Medium of exam: English & Hindi (except English Knowledge section, which is English only).
Qualifying Marks
- Online Exam (aggregate): 30% for reserved category, 35% for unreserved category. No sectional qualifying marks.
- Personal Interview (100 marks): 45% for reserved category, 50% for unreserved category.
- Combined Final Score (Exam + Interview): Minimum 30% for reserved, 35% for unreserved category.
Local Language Proficiency Test (LPT)
Mandatory for candidates who haven't studied the applied state's local language in 10th or 12th standard. Must be cleared before the Personal Interview — failing the LPT disqualifies the candidate from further selection.
💵 Salary & Pay Scale
Scale: Assistant Manager (Scale I) – Basic: 48480-2000/7-62480-2340/2-67160-2680/7-85920
Starting Basic Pay: ₹48,480/- plus DA, HRA, CCA and other allowances as per rules in force.
Advance Increments: Candidates with prior experience as an Officer in Scheduled Commercial Banks, whose job profile matches a Scale-I Generalist Officer role, get one advance increment per completed year of such service, up to a maximum of 2 increments (subject to certified job-profile match). Candidates from subsidiaries of Scheduled Commercial Banks get only 1 increment. Prior experience does not count towards service seniority.
Probation: 2 years of active service. Bond: Selected candidates must execute a Financial Service Indemnity Bond of ₹2,00,000/- for a minimum 3-year service commitment.
📌 How to Apply Online
- Visit the official IOB website: www.iob.bank.in and go to the Careers page.
- Open the link "Recruitment of Local Bank Officers – 2026-27" and read the detailed advertisement (Advt. No. HRDD/RECT/02/2026-27) carefully.
- Click "Register Online" and complete first-time registration to receive your Registration Number and Password via email/SMS.
- Scan and upload photograph and signature as per specifications (Annexure I).
- Fill all required details carefully in the online application — ensure name spelling matches certificates exactly.
- Upload Left Thumb Impression and Handwritten Declaration under the Uploads menu.
- Click "Complete Registration", then pay the application fee/intimation charges online (Debit Card/Credit Card/Internet Banking/BHIM/UPI).
- Take a printout of the system-generated application form and e-receipt for future reference.
📄 Documents Required (At Personal Interview)
- Personal Interview call letter printout & system-generated application form
- Proof of Date of Birth (Birth Certificate or Std. X Certificate)
- Proof of Language Proficiency (Std X/XII Certificate with subjects passed)
- Photo ID proof (Passport/Aadhaar/e-Aadhaar/PAN/Driving Licence/Voter's Card) — Ration Card & Learner's License NOT accepted
- Graduation mark sheets & degree certificate
- Caste Certificate (SC/ST/OBC Non-Creamy Layer) or EWS Income & Asset Certificate, as applicable
- PwBD Disability Certificate (District Medical Board format), if applicable
- Work experience proof (appointment/relieving letters, salary slips) if claiming advance increment
- No Objection Certificate (for candidates in Govt./PSU/Bank service)
📅 Important Dates
| Event | Date |
| Online Registration Start | 08.08.2026 |
| Online Registration Last Date | 24.08.2026 |
| Payment of Application Fee | 08.08.2026 to 24.08.2026 |
🏛️ Important Notes
- Candidates can apply for only ONE state — applying for another state's vacancy is not permitted. Merit list is prepared state-wise and category-wise.
- Selected candidates are posted within the applied state for the first 12 years of service or until promotion to SMGS-IV, whichever comes first.
- No change of state/category is allowed after registration submission.
- In case of multiple applications for the same state, only the last submitted application is considered.
- OBC candidates under the creamy layer are not entitled to reservation and must apply as General category.
- Outstation SC/ST/PwBD candidates (unemployed) attending the interview are reimbursed second-class train fare by shortest route, as per government norms.
- Pre-Examination Training may be arranged online for SC/ST/OBC/Minority community candidates who opt for it in the application form.
- Compensatory time (20 minutes/hour) and scribe facility are available for eligible PwBD candidates as per detailed guidelines in the notification.
⚠️ Disclaimer
If it is detected at any stage of recruitment that a candidate does not fulfil eligibility norms or has furnished false/incorrect information or suppressed material facts, his/her candidature will stand cancelled — even after appointment. Canvassing in any form leads to disqualification. The version of the advertisement on IOB's official website shall be treated as final. Candidates must rely solely on www.iob.bank.in for all updates. Any dispute is subject to the sole jurisdiction of courts at Chennai.
❓ Frequently Asked Questions (FAQ)
Q1. How many vacancies are there in IOB Local Bank Officer Recruitment 2026-27?
A total of 250 vacancies across Tamil Nadu (100), Karnataka (50), Maharashtra (50) and Gujarat (50).
Q2. What is the last date to apply online?
The online application window closes on 24.08.2026.
Q3. What is the application fee for this recruitment?
SC/ST/PwBD candidates pay ₹175/- (intimation charges only), while General/EWS/OBC candidates pay ₹850/-, inclusive of GST.
Q4. What is the age limit for IOB LBO 2026-27?
Candidates must be between 20 and 30 years as on 01.08.2026, with age relaxations for SC/ST (5 yrs), OBC (3 yrs), PwBD (10 yrs), and other categories as specified.
Q5. What is the selection process for Local Bank Officer?
Online Examination (200 marks) followed by a Local Language Proficiency Test (if applicable) and a Personal Interview (100 marks), combined in an 80:20 weightage ratio.
Q6. What is the starting salary of IOB Local Bank Officer?
Starting basic pay is ₹48,480/- in JMGS-I scale, plus DA, HRA, CCA and other allowances as per Bank rules.
Q7. Can I apply for more than one state?
No, candidates must apply for only one state. Applying against one state's vacancy makes you ineligible to apply for any other state.
Q8. Is there a service bond for selected candidates?
Yes, selected candidates must execute a Financial Service Indemnity Bond of ₹2,00,000/- for a minimum 3-year service commitment.
📢 For complete details, official notification and to apply online, visit: www.iob.bank.in
