IBPS Clerk Mock Test, Syllabus & Pattern
Prepare online for the IBPS Clerk Recruitment Exam. Get access to online mock tests, practice papers, full syllabus, and pattern details.
Hired under IBPS for the post of Customer Service Associate (CSA).
Recruitment Highlights
- Total Vacancies: Announced Soon
- Applicants Volume: TBD
- Pay Scale / Salary: Rs. 24050 - Rs. 64480
- Eligibility Criteria: Graduation
- Last Date to Apply: 2026-09-09
Exam Selection Stages
- Prelims
- Mains
Detailed Exam Syllabus & Criteria
Overview
The IBPS Clerk Eligibility 2025 has clearly outlined the criteria for candidates applying this year. As per the norms, the IBPS Clerk age limit is 20 to 28 years as of 1st August 2025, with age relaxations for reserved categories. Candidates must hold a graduation degree in any discipline from a recognized university. Proficiency in the local language of the state or UT is also mandatory. Along with this, basic computer knowledge is required. Fulfilling the IBPS Clerk qualification is necessary to be considered eligible for the exam.
Candidates can scroll down the below article to know more about the IBPS Clerk Eligibility, IBPS Clerk Age Limit and IBPS Clerk Educational Qualification.
IBPS Clerk Eligibility 2025
IBPS is conducting the IBPS Clerk Recruitment 2025 (CRP CSA‑XV) to fill 10,277 vacancies across 11 public sector banks. To apply, candidates must meet specific eligibility requirements including age, educational qualification, nationality, computer literacy, and local language proficiency. Below is a concise overview of key eligibility criteria based on the official notification.
| Criteria | Details | Exam Body | Institute of Banking Personnel Selection (IBPS) | Total Vacancies | 10,277 (Clerk / Customer Service Associate posts) |
| --- | --- | --- | --- | --- | --- |
| Age Limit (as on 01.08.2025) | 20–28 years (born between 02.08.1997 & 01.08.2005) | Educational Qualification | Bachelor’s degree from a Govt-recognized university | Computer Literacy | |
| Required: Certificate/Diploma/Degree in computer operations or studied IT at school/college level | Local Language Proficiency | Must be able to read/write/speak local language of applied State/UT or qualify LLPT after Mains | Nationality / Citizenship | Indian citizen or subject of Nepal/Bhutan, Tibetan refugee (pre‑1962), or PIO from specified countries | |
| Other Criteria | Integrity, clean credit history, and no adverse service record as per banks’ norms | | | | |
IBPS Clerk Eligibility 2025
The applicants must carefully review the IBPS Clerk Eligibility 2025 before filling out the application form. To be eligible, candidates must fulfill key criteria related to age, educational qualification, computer literacy, and language proficiency. Make sure all eligibility conditions are met as per the official IBPS Clerk notification. We have provided all the information related to IBPS Clerk Age Limit, IBPS Clerk Qualification in the tables given below.
IBPS Clerk Age Limit 2025 (As on 01.08.2025)
As per the IBPS Clerk Age Limit 2025, candidates must be between 20 to 28 years of age as of 01st August 2025. They should be born between 02nd August 1997 and 01st August 2005 (both dates inclusive).
| Criteria | Age Limit |
| --- | --- |
| Date Range | Minimum Age |
| 20 years | |
| Born on or before 01.08.2005 | |
| Maximum Age | |
| 28 years | |
| Born on or after 02.08.1997 <br> IBPS Clerk Age Relaxation <br> Candidates belonging to reserved categories are eligible for relaxation in the upper age limit as per the IBPS Clerk 2025 guidelines. The details of age relaxation for different categories are given below: | |
| Sr. No. | |
| Category | |
| Age Relaxation | 1 |
| Scheduled Caste (SC) / Scheduled Tribe (ST) | |
| 5 years | 2 |
| Other Backward Classes (Non-Creamy Layer) | |
| 3 years | 3 |
| Persons With Benchmark Disabilities (PwBD) under RPWD Act, 2016 | |
| 10 years | 4 |
| Ex-Servicemen (ESM) / Disabled Ex-Servicemen (DESM) | |
| Service period + 3 years (8 years for SC/ST DESM), up to 50 years max | 5 |
| Widows, Divorced Women, and Legally Separated Women (Unmarried) | |
| Upto 35 years (Gen/EWS), 38 years (OBC), 40 years (SC/ST) <br> IBPS Clerk Educational Qualification 2025 <br> The IBPS Clerk Qualification 2025 is Graduation in any discipline, candidates should also have computer knowledge and proficiency in the local language of the applied state or union territory. Ex-servicemen must meet equivalent qualification criteria as per guidelines. Below are some details. | |
| Criteria | |
| Details | Minimum Qualification |
| Graduation in any discipline from a Govt. of India recognized University | |
| Marksheet Requirement | |
| Valid Degree/Marksheet with percentage details as of 21st August 2025 | |
| Computer Literacy | |
| Certificate/Diploma/Degree in Computer or studied Computer/IT as a subject | |
| Local Language Proficiency | |
| Must be able to read, write, and speak the language of the applied State/UT | |
| Ex-Servicemen Qualification | |
| Matriculate with Army Special Certificate or equivalent with 15+ years of service | |
| Result Declaration Date | |
| Final result must be declared on or before 21st August 2025 | |
| CGPA to Percentage | |
| Conversion certificate required as per university norms if CGPA/OGPA is used | |
IBPS Clerk 2025: Percentage Calculation Guidelines
Candidates must calculate their graduation percentage as per the standard method defined by IBPS. The percentage should be derived by dividing the total marks obtained in all subjects across all semesters/years by the aggregate maximum marks and then multiplying the result by 100. This applies regardless of whether the university awards class/grade based only on honours marks.
- If your score is 59.99%, it will be considered less than 60%; similarly, 54.99% is treated as less than 55%.
- For CGPA/OGPA-based results, convert your grade to a percentage using your university’s official conversion formula.
- You must submit documentary proof of the conversion method during document verification.
IBPS Clerk 2025 Credit History Requirement
Candidates selected for IBPS Clerk 2025 must maintain a healthy credit history at the time of joining the participating banks. Although this is not a mandatory condition while applying, it becomes essential during the final appointment process. A minimum credit score, as per the respective bank’s policy, will be considered.
- If your CIBIL or similar agency report reflects any adverse status, you must either get it corrected or submit NOCs from concerned lenders.
- Failure to do so may lead to withdrawal or cancellation of the job offer.
- This clause does not apply to candidates who do not hold any bank account.
For details on the IBPS Clerk Syllabus, refer to the linked article.
Hope this article on IBPS Clerk eligibility has cleared most of your doubts. Have further queries? Dropdown your questions in the comments below. You can get our Testbook app from Google Play Store and start your preparation for IBPS Clerk Examination. You can avail yourself of the facilities of live classes, IBPS Clerk mock test, a bunch of quizzes, and more. Start your preparation today.
Overview
The IBPS Clerk Salary 2026 is around ₹46,890 while the in hand salary is around ₹43,000 per month after all the deductions. The clerk salary is a major attraction for banking aspirants looking for a secure and well paying government job. It offers a good balance of pay and job stability. Candidates selected as a IBPS Clerk (CSA) will receive a basic pay of ₹26,730 with additional allowances like DA, HRA, etc. However, the salary structure of IBPS Clerk is Rs. 24050 - 1340/3 - 28070 - 1650/3 - 33020 - 2000/4 - 41020 - 2340/7 - 57400 - 4400/1 - 61800 - 2680/1 - 64480 (20 years). So, initially, the IBPS Clerk Salary net pay will be ₹43,239.
Read the article to know more about IBPS Clerk Salary Structure, grade pay, basic pay, allowances, deductions, and more.
IBPS Clerk Salary 2026
The starting IBPS Clerk 2026 basic pay for freshers is ₹26,730 including two advance increments given to graduates. Along with this basic pay, candidates will receive several additional benefits that increase the overall in hand salary. These benefits include Dearness Allowance (DA), House Rent Allowance (HRA), medical allowance, special allowance and travel allowance. Moreover, after periodic wage revisions, the IBPS salary structure is expected to increase.
IBPS Clerk Salary Slip
The complete salary structure is mentioned in the IBPS Clerk Salary Slip. It shows a simple breakdown of your monthly salary as a Clerk (CSA) after joining the bank. It includes details of your earnings like basic pay, DA, HRA, special allowance and transport allowance, along with deductions such as pension and other standard cuts.
By checking the salary slip, candidates can easily understand how their salary is calculated, what extra benefits they are getting and how much amount is deducted before the final in-hand salary is credited to their account.
| Salary Component | Amount (in ₹) | Basic Pay | ₹26,730 | Dearness Allowance (DA) |
| --- | --- | --- | --- | --- |
| ₹5,731 | Special Pay | ₹1,970 | Special Allowance | |
| ₹8,497 | Transport Allowance | ₹1,020 | House Rent Allowance | |
| ₹2,942 | Total Gross Pay | ₹46,890 | Deductions (NPS, Union Fee) | |
| ₹3,651 | Net In-Hand Salary (Per Month) | ₹43,239 (Approx) | | |
IBPS Clerk Pay Scale 2026
The IBPS Clerk Pay Scale 2026 shows how your basic salary increases over time with fixed yearly increments. The salary starts from ₹24,050 and can go up to ₹64,480 as you gain experience and complete more years in service. Along with this, you also get various allowances, which make the overall salary quite attractive for candidates.
| Years of Service | Basic Pay |
| --- | --- |
| Increment | |
| Initial 3 years | |
| ₹24,050 | |
| ₹1,340 yearly | |
| Next 3 years | |
| ₹28,070 | |
| ₹1,650 yearly | |
| Next 4 years | |
| ₹33,020 | |
| ₹2,000 yearly | |
| Next 7 years | |
| ₹41,020 | |
| ₹2,340 yearly | |
| Next 1 year | |
| ₹57,400 | |
| ₹4,400 yearly | |
| Next 1 year | |
| ₹61,800 | |
| ₹2,680 yearly | |
| Final Stage (Max Pay) | |
| ₹64,480 | — |
IBPS Clerk Salary Allowances
Candidates who will be selected for IBPS Clerk (CSA) will receive basic pay along with various other allowances. These allowances are provided based on different criteria such as location, inflation and job requirements.
- Dearness Allowance (DA): This is 4% of the basic salary and is linked to the Consumer Price Index (CPI). It is revised quarterly to adjust to inflation trends.
- House Rent Allowance (HRA): HRA varies as per the posting location - 8.5% for metro cities, 7.5% for cities with over 5 lakh population, and 6.5% for all other locations.
- Travel Allowance: Costs related to official travel are reimbursed by the bank as per policy.
- Medical Allowance: A fixed annual medical allowance is granted to clerks.
- Special Allowance: An additional fixed component of ₹8,497 is provided monthly as part of the salary structure.
IBPS Clerk Training Period 2026
Candidates selected as IBPS Clerks will have to undergo a training period of around 6 months after joining the bank. This training helps them understand banking work, systems, and responsibilities. In some cases, the training period may be extended based on bank requirements.
What is IBPS Clerk Training Period Salary 2026?
The IBPS Clerk training period salary in 2026 is equal to the starting basic pay. Selected candidates receive around ₹26,730 per month during the training period, which is the initial basic salary for newly appointed clerks.
However, mandatory deductions like the New Pension System (NPS) are applicable during this time. Also, full allowances such as HRA, DA and Special Allowance may be limited or adjusted. As a result, the total gross salary during the 6 month training period usually remains close to the basic pay.
IBPS Clerk Promotions
IBPS Clerk is not just a secure entry-level banking job but also a gateway to long-term career growth. It offers a stable salary, job security, and regular promotion opportunities based on performance and experience. After completing a minimum of 2 years of service, IBPS Clerks become eligible for promotion, typically once every two years. There are two main paths for promotion i.e Normal Process and Merit-Based Process.
- Normal Process: This promotion is based on experience and seniority. Clerks need to clear an internal exam, after which they are promoted to Trainee Officer and later to Probationary Officer (PO).
- Merit-Based Process: This path is for candidates who complete JAIIB and CAIIB certifications from the Indian Institute of Banking and Finance. These courses improve knowledge and help in getting faster promotions.
Below is the promotion hierarchy from Clerk to top banking roles:
| Current Post | Promoted To |
| --- | --- |
| IBPS Clerk | |
| Officer / Assistant Manager | |
| Assistant Manager | |
| Manager | |
| Manager | |
| Senior Manager | |
| Senior Manager | |
| Chief Manager | |
| Chief Manager | |
| Assistant General Manager | |
| Assistant General Manager | |
| Deputy General Manager | |
| Deputy General Manager | |
| General Manager | |
These promotions not only increase your responsibilities but also come with better pay scales and perks, making IBPS Clerk a career with strong upward mobility.
If you are preparing for the exam then you can download IBPS clerk Exam Previous Year Papers here!
We hope you found this article on the IBPS Clerk Salary & Job Profile informative. In case of doubts or queries, you can reach out to us by placing your comments below. You can also start preparing yourself for all types of government exams and get quicker access to any required information through our Testbook Application.
IBPS Clerk Syllabus and Exam Pattern 2026
Candidates must go through the updated IBPS Clerk Syllabus and Exam Pattern before starting their preparation. Certain changes have been introduced in the revised IBPS Clerk Exam Pattern 2026. These include:
- The number of questions in the Mains Exam has been revised to 155.
- The exam duration for the Mains will be 2 hours (120 minutes).
| IBPS Clerk Syllabus & Exam Pattern 2026: Key Highlights | Exam Conducting Body |
| --- | --- |
| Institute of Banking Personnel Selection | |
| Exam Name | |
| IBPS Clerk 2026 | |
| Category | |
| Syllabus & Exam Pattern | |
| IBPS Clerk Exam Date 2026 | |
| Prelims – 10th and 11th October, 2026 <br> Mains – 27th December, 2026 | |
| No. of Questions | |
| Prelims – 100 <br> Mains – 155 | |
| Maximum Marks | |
| Prelims – 100 <br> Mains – 200 | |
| Negative Marking | |
| 0.25 marks for each wrong answer | |
| Selection Process | Preliminary Exam & Main Exam |
| Official Website | |
www.ibps.in
IBPS Clerk Exam Pattern 2026
The IBPS Clerk selection has two stages: Prelims and Mains. Both are online objective tests with multiple-choice questions on sections like English, Reasoning, and Quantitative Aptitude. Prelims is a screening test. Mains is the final round. You must score at least the minimum cut-off marks in each section, as set by IBPS.
Understanding the IBPS Clerk Exam Pattern for both Prelims and Mains is important. This is the first thing an aspirant should do. It will help you know the marking scheme, negative marking, question types, sectional weightage, and exam duration. Thus, have a look at the latest IBPS Clerk Exam Pattern and syllabus.
IBPS Clerk Prelims Exam Pattern 2026
Being the preliminary stage in the IBPS Clerk selection process, IBPS Clerk Prelims exam holds an important significance for the candidates. Those who qualify this are allowed to give the mains exam. It consists of three sections: English Language, Numerical Ability, and Reasoning Ability. Each section is separately timed for 20 minutes.
| IBPS Clerk Exam Pattern for Prelims 2026 | Test |
| --- | --- |
| Medium | |
| No. of Questions | |
| Maximum Marks | |
| Duration | |
| English Language | |
| English | 30 |
| 30 | 20 minutes |
| Numerical Ability | |
| * | 35 |
| 35 | 20 minutes |
| Reasoning Ability | |
| * | 35 |
| 35 | 20 minutes |
| - | - |
| 100 | 100 |
| 60 minutes | |
IBPS Clerk Mains Exam Pattern 2026 (Updated)
The mains exam is the second stage of the selection process. It includes four sections with a total of 155 questions for 200 marks. Each section is separately timed, and marks obtained in the exam are considered for the final selection.
| IBPS Clerk Mains Exam Pattern 2026 | Test |
| --- | --- |
| Medium | |
| No. of Questions | |
| Maximum Marks | |
| Duration | |
| General/Financial Awareness | |
| * | 40 |
| 50 | 20 minutes |
| General English | |
| English | 40 |
| 40 | 35 minutes |
| Reasoning Ability | |
| * | 40 |
| 60 | 35 minutes |
| Quantitative Aptitude | |
| * | 35 |
| 50 | 30 minutes |
| - | - |
| 155 | 200 |
| 120 Minutes | |
IBPS Clerk Local Language Proficiency Test (LLPT)
Candidates applying for IBPS Clerk vacancies in any specific State or Union Territory must be proficient in the local language of that region. To assess this proficiency, the selection process also includes a Local Language Proficiency Test (LLPT).
- The Local Language Proficiency Test is only qualifying in nature.
- At the time of online application, candidates must select one local language from the list provided for each State/UT.
- Those who have studied the local language in their 10th standard or above (as evidenced by a mark sheet or certificate) will be exempted from the test.
- This test will be conducted after the Online Main Examination but before final joining.
- Failure to clear this test will result in disqualification from the recruitment process
IBPS Clerk Syllabus 2026 (Prelims & Mains)
The IBPS Clerk Exam Syllabus for both Prelims and Mains is similar for English, Reasoning, and Quantitative Aptitude. The IBPS Clerk Mains Syllabus only has an additional section on General & Financial Awareness. To plan your preparation effectively, you must be aware of the subject-wise IBPS Clerk Prelims Syllabus and Mains Syllabus. This will help you identify the important topics, as well as your strengths and weaknesses, to improve your score. Check the detailed subject-wise syllabus here.
IBPS Clerk Syllabus for English Language
The English language component of the IBPS Clerk 2026 syllabus for Prelims & Mains aims to assess the candidate's proficiency in English. The topics in the syllabus are related to grammar, vocabulary, & comprehension.
| IBPS Clerk English Syllabus | Idioms and Phrases |
| --- | --- |
| Synonyms | |
| Multiple Meaning | |
| Antonyms | |
| Error Spotting | |
| Active & Passive Voice | |
| Preposition Rules | |
| Direct & Indirect Speech | |
| Reading Comprehension | |
| Spellings | |
| Tenses Rules | Phrases |
| Cloze Test (Fill in the Blanks) | |
| Noun, Pronoun | |
| Jumbled Paragraphs | |
Adjective, Adverb
IBPS Clerk Syllabus for Reasoning Ability
The IBPS Clerk Prelims Syllabus as well as the Mains Syllabus have a significant weightage assigned to the Reasoning section. The objective of this section is to gauge the candidate's aptitude for logic and analysis. Verbal Reasoning, Non-Verbal Reasoning, Logical Reasoning, Puzzles, Seating Arrangement, Coding-Decoding, Syllogism, and some of the topics covered in the Reasoning syllabus of IBPS Clerk.
| IBPS Clerk Reasoning Syllabus | Logical Reasoning |
| --- | --- |
| Alphanumeric Series | |
| Alphabetic Series | |
| Tabulation | |
| Order and Ranking | |
| Time & Distance | |
| Data Sufficiency | |
| Clocks & Calendars | |
| Coded Inequalities | |
| Blood Relations | |
| Direction Sense Test | |
| Analogy | |
| Seating Arrangements | |
| Puzzles | |
| Syllogism | |
Coding & Decoding
Also, Check the IBPS Clerk Previous year Question Papers here.
IBPS Clerk Numerical Ability Syllabus
The Numerical Ability Syllabus for IBPS Clerk evaluates the candidate's aptitude in basic mathematics and statistics. It comprises topics like simplification, number series, data interpretation, etc. Candidates can check the IBPS Clerk Maths syllabus below:
| IBPS Clerk Syllabus for Numerical Ability | Data Interpretation |
| --- | --- |
| Mensuration - Cone, Sphere, Cylinder | |
| Ratio and Proportion | |
| Number Systems | |
| Percentage | |
| HCF & LCM | |
| Sequences and Series | |
| Surds and Indices | |
| Permutation and Combination | |
| Problem on Ages | |
| Probability | |
| Fractions | |
| Profit and Loss | |
| Geometry | |
| Quadratic Equations | |
| Trigonometry | |
| Approximation and Simplification | |
| Linear Equations | |
| Mixtures and Alligations | |
Simple Interest & Compound Interest
Take IBPS Clerk Mock Test for practice here!
IBPS Clerk Mains Syllabus 2026
The IBPS Clerk Mains syllabus for English, Reasoning, and Numerical Ability is similar to that of Prelims. However, the difficulty level is much higher in this phase. The only difference in the syllabus is for the General/Financial Awareness section. The IBPS bank clerk syllabus for the same has been detailed in the following section.
IBPS Clerk Mains Syllabus 2026 for General/Financial Awareness
The only additional section in the IBPS Clerk Mains Syllabus is General and Financial Awareness. The syllabus is curated to assess the general awareness and financial knowledge of the candidates. Topics such as Current affairs, GDP, Economic Indices, Financial Institutions & Instruments, etc., are included in the IBPS Clerk Exam syllabus for the Mains.
| IBPS Clerk Mains Syllabus: General & Banking Awareness | Science – Inventions & Discoveries |
| --- | --- |
| Common Abbreviations (Computers, Organisations, Schemes, etc) | |
| Current Important Events | |
| GDP & Economic Indices | |
| Current Affairs – National & International | |
| SEBI & its functions | |
| Awards and Honours | Banking Terminology & Banking Abbreviations |
| Economic News | |
| Basics of Computers & Internet | |
| Banking News | |
| Banking Instruments | |
| Indian Constitution | |
| History of banking in India | |
| Books and Authors | |
| Types of banks (Public, Private, RRBs, Payment Banks, Small Finance Banks) | |
| Important Days | |
| NBFCs – meaning and types | |
| History | Banking Products & Services: Types of accounts, Loans & advances, Priority Sector Lending (PSL), Retail banking, Wholesale banking, Digital banking |
| Geography | |
| Payment Systems: NEFT, RTGS, IMPS, UPI, BHIM, AEPS, Digital wallets, Payment gateways | |
| Countries and Currencies | |
| Government Schemes Related to Banking: PMJDY, PMMY (Mudra), Stand-Up India, PM SVANidhi, PMJJBY, PMSBY, Atal Pension Yojana | |
| Insurance & Pension: IRDAI roles, Types of insurance, LIC basics, NPS and PFRDA | |
| Important Financial & Government Reports | |
| Types of financial instruments: Shares, Bonds, Debentures, Mutual Funds | |
International Banking: Bretton Woods institutions – IMF, World Bank, SWIFT, LIBOR, Basel–I, II, III
IBPS Clerk Mains Syllabus for Computer Aptitude
Questions on Computer Awareness are often asked in the Mains Exam to assess the candidate's knowledge of basic computer applications, internet, and social media. The topics included are:
| IBPS Clerk Computer Aptitude Syllabus | Microsoft Office |
| --- | --- |
| Computer Abbreviations | |
| Computer Network | |
| Keyboard Shortcuts | |
| Input and Output Devices | |
| Email | |
| Components of Computer | |
| Social Media advantages & disadvantages | |
| Computer Storage Devices | |
| MS Word basics | |
| Internet | |
| MS Excel basics | |
| OSI Model | |
MS PowerPoint basics
