IOB Local Bank Officer Recruitment 2026 – 250 LBO Posts, Apply Online
IOB Local Bank Officer Recruitment 2026: 250 LBO Vacancies in JMGS-I Scale
IOB LBO Bharti 2026 — Graduate in Any Discipline Required — Apply Online at iob.bank.in
Indian Overseas Bank (IOB), Chennai, has released the advertisement HRDD/RECT/02/2026-27 dated for 250 Local Bank Officer (LBO) vacancies under JMGS-I (Junior Management Grade Scale I). Online applications are accepted from to through the official website iob.bank.in. The selection involves an online computer-based test followed by a language proficiency test and personal interview.
Candidates aged 20 to 30 years holding a Bachelor's degree in any discipline from a recognised university can apply for this direct recruitment officer post. The post is in JMGS-I with a basic pay scale of Rs. 48,480 – 85,920 plus DA, HRA, CCA and other allowances. Vacancies are spread across Tamil Nadu, Karnataka, Maharashtra and Gujarat with mandatory local language proficiency for each state. Selection is based on an online exam carrying 80% weightage and an interview carrying 20% weightage.
Key Details
- Conducting Authority: Indian Overseas Bank (IOB), Human Resources Development Department, Chennai
- Post Name: Local Bank Officer (LBO)
- Advertisement No.: HRDD/RECT/02/2026-27 dated
- Grade / Pay Scale: JMGS-I — Basic Pay Rs. 48,480 – 85,920
- Total Vacancies: 250
- Application Start Date:
- Application Last Date:
- Application Mode: Online only — iob.bank.in
Exam & Eligibility
- Age Limit: 20–30 Years (as on )
- Qualification: Bachelor's degree in any discipline from a recognised university
- Local Language: Must know the local language of the state applied for
- Pay Scale: Rs. 48,480 – 85,920 (JMGS-I) + DA + HRA + CCA + allowances
- Probation: 2 years; Bond of Rs. 2,00,000 for minimum 3 years service
- Selection Process: Online Exam (80%) + Language Proficiency Test + Personal Interview (20%)
- Job Location: Tamil Nadu, Karnataka, Maharashtra, Gujarat
- Official Website: iob.bank.in
IOB Local Bank Officer Recruitment 2026 — Important Dates & Application Fee
Online Registration: 8 August to 24 August 2026 — Exam Fee Rs. 850 (General) / Rs. 175 (Reserved)
The online application process for IOB Local Bank Officer Recruitment 2026 opens on and closes on . The advertisement was released on under reference number HRDD/RECT/02/2026-27. Admit cards for the online exam will be available on iob.bank.in before the examination.
Important Dates
Notification Released: — Online Application Starts: — Last Date to Apply Online: — Admit Card: Before the exam on iob.bank.in.
Tip: Candidates are advised to apply well before the last date to avoid last-minute technical issues on the portal. Keep scanned copies of photograph, signature, thumb impression, declaration and educational certificates ready before starting the application. The registration number and password should be saved carefully as they are needed for downloading the admit card.
Application Fee
Application fee is Rs. 850 for Unreserved (UR), EWS and OBC candidates, and Rs. 175 for SC, ST and PwBD (Persons with Benchmark Disabilities) candidates. The fee is inclusive of GST and bank charges.
Payment can be made through credit card, debit card, net banking, UPI or any other online payment mode. Application fee is non-refundable under any circumstances.
Note: Candidates must ensure they belong to the eligible category before applying. The application fee once paid will not be refunded even if the application is rejected or the candidate is found ineligible at a later stage.
IOB Local Bank Officer Recruitment 2026 — Vacancy Details and Eligibility
250 LBO Posts Across Tamil Nadu, Karnataka, Maharashtra and Gujarat — Graduate Required
IOB Local Bank Officer Recruitment 2026 covers 250 vacancies across four states. The vacancies are distributed as follows: Tamil Nadu 100, Karnataka 50, Maharashtra 50 and Gujarat 50. Each state has a mandatory local language requirement — Tamil for Tamil Nadu, Kannada for Karnataka, Marathi for Maharashtra and Gujarati for Gujarat. Candidates applying for a particular state must be proficient in the respective local language.
State-Wise Vacancy Distribution
- Tamil Nadu: 100 posts — Mandatory Language: Tamil
- Karnataka: 50 posts — Mandatory Language: Kannada
- Maharashtra: 50 posts — Mandatory Language: Marathi
- Gujarat: 50 posts — Mandatory Language: Gujarati
- Total: 250
Category-Wise Reservation
- Reservation for SC, ST, OBC, EWS and PwBD candidates is applicable as per Government of India guidelines
- Candidates are required to produce valid category certificate issued by competent authority at the time of document verification
- Horizontal reservation for PwBD and Ex-servicemen is applicable as per Government of India rules
- The bank reserves the right to alter the number of vacancies or cancel the recruitment process at any stage without assigning any reason
Educational Qualification
- Qualification: Bachelor's degree (Graduation) in any discipline from a university recognised by the Government of India or its equivalent qualification
- Completion: Candidate must possess the qualification as on the date of submission of online application
- Final Year Candidates: Candidates who are in the final year / final semester of their graduation are NOT eligible to apply
Other Eligibility Conditions
- Citizenship: Candidate must be a citizen of India
- Local Language: Must know the local language of the state applied for (reading, writing and speaking). A certificate of having studied the local language at school level (Class 10th or above) may be required during document verification
- Computer Knowledge: Knowledge of computers is desirable
- Character & Antecedents: Candidate must have good character and antecedents. Criminal cases pending against the candidate will lead to disqualification
IOB Local Bank Officer Recruitment 2026 — Exam Pattern and Age Limit
Online CBT 200 Marks — Age Limit 20 to 30 Years
The selection process begins with an online computer-based test (CBT) of 200 marks. Candidates must score minimum qualifying marks to be shortlisted for the language proficiency test and personal interview. The online exam carries 80% weightage in the final selection.
Exam Pattern
- Reasoning & Computer Aptitude: 30 Questions — 60 Marks — 60 minutes
- General / Economy / Banking Awareness: 40 Questions — 40 Marks — 30 minutes
- Data Analysis & Interpretation: 30 Questions — 60 Marks — 60 minutes
- English Knowledge: 40 Questions — 40 Marks — 30 minutes
- Total: 140 Questions — 200 Marks — 3 hours
Questions are objective (MCQ) type with multiple options, in English and Hindi medium. Negative marking applies: 0.25 marks are deducted for every wrong answer. Candidates must score minimum qualifying marks to be considered for the next stage of selection.
Minimum qualifying marks in the online exam: 35% for Unreserved (UR) and EWS candidates, 30% for SC, ST, OBC and PwBD candidates. Candidates who score below the minimum qualifying marks will not be shortlisted for the interview stage.
Age Limit
The minimum age for all candidates is 20 years and the maximum age limit is 30 years as on . Candidates must not have been born earlier than and not later than .
Age Relaxation
- SC / ST: 5 years relaxation (up to 35 years)
- OBC (Non-Creamy Layer): 3 years relaxation (up to 33 years)
- PwBD (Persons with Benchmark Disabilities): 10 years relaxation (up to 40 years)
- Ex-servicemen: 5 years relaxation (up to 35 years) plus length of service in the armed forces
- Persons affected by 1984 riots: 5 years relaxation (up to 35 years)
- Widows, divorced women and women judicially separated from their husbands and not remarried: Relaxation as per Government of India guidelines
IOB Local Bank Officer Recruitment 2026 — Job Profile, Salary and Probation Details
Basic Pay Rs. 48,480 – 85,920 — 2-Year Probation — Bond of Rs. 2,00,000
Selected candidates will be appointed as Local Bank Officers (LBO) in JMGS-I (Junior Management Grade Scale I) at Indian Overseas Bank. The role involves branch-level banking operations, customer service, loan processing and other banking functions in the state where the candidate is posted. This is an officer-level post with a 2-year probation period and a service bond.
Job Profile & Responsibilities
Local Bank Officers are responsible for day-to-day banking operations at the branch level. Key duties include customer relationship management, processing loan applications, handling deposits and withdrawals, cross-selling bank products, maintaining KYC and compliance norms, resolving customer grievances and participating in financial inclusion drives. Officers may be posted to any branch within the state they are recruited for.
Salary / Emoluments
Monthly salary in the scale of Rs. 48,480 to Rs. 85,920 (JMGS-I). During the probation period, a stipend is paid as per bank rules. After successful completion of probation, the full pay scale with admissible allowances is paid:
- Basic Pay: Rs. 48,480 per month (initial)
- Dearness Allowance (DA): As per bank norms, revised quarterly
- House Rent Allowance (HRA): Based on the city of posting
- City Compensatory Allowance (CCA): As applicable
- Other Allowances: Medical, conveyance, newspaper, leave travel concession etc.
- Approximate In-Hand Salary: Rs. 55,000 to Rs. 65,000 per month (approximate, varies with city and allowances)
Probation & Service Bond
- Probation Period: 2 years from the date of joining
- Service Bond: Candidates must execute a bond of Rs. 2,00,000 to serve the bank for a minimum period of 3 years (including probation)
- Extension: The probation period may be extended at the discretion of the bank
- Confirmation: Confirmation in service is subject to satisfactory performance during the probation period
- Termination: If a candidate leaves the bank before the completion of the bond period, the entire bond amount must be paid
IOB Local Bank Officer Recruitment 2026 — How to Apply and Selection Process
Apply Online at iob.bank.in — Online Exam + Interview — Apply by 24 August 2026
The application process is entirely online through the Indian Overseas Bank website at iob.bank.in. The selection consists of three stages: an online computer-based test carrying 80% weightage, a language proficiency test and a personal interview carrying 20% weightage. Applications must be submitted before .
How to Apply
- Step 1: Visit the official IOB website www.iob.bank.in and go to the Careers page
- Step 2: Click on "Recruitment of Local Bank Officers – 2026-27" link
- Step 3: Complete the first-time registration by providing basic details including name, date of birth, email ID and mobile number
- Step 4: Note down the Registration Number and Password generated after registration
- Step 5: Upload scanned copies of recent photograph, signature, thumb impression and declaration in the prescribed format
- Step 6: Fill the application form carefully including personal details, educational qualification, state preference and category
- Step 7: Pay the application fee online through credit card, debit card, net banking or UPI
- Step 8: Submit the application form and take a printout for future reference
Selection Process
- Stage I: Online Computer Based Test (CBT) — 200 Marks — 140 Questions, 3 hours — Weightage: 80%
- Stage II: Language Proficiency Test — Test of reading, writing and speaking skills in the local language of the state applied for
- Stage III: Personal Interview — Weightage: 20%
- Final Merit: Based on combined marks of online exam and interview, subject to clearing the language proficiency test
- Document Verification: Shortlisted candidates will be called for document verification before final appointment
Important Instructions
- Candidates must have a valid email ID and mobile number which should be kept active throughout the recruitment process
- The photograph should be recent, passport size, with white background, taken within the last 6 months
- Mobile phones, calculators, smart watches and other electronic gadgets are strictly prohibited in the exam hall
- Candidates must carry a valid photo ID proof (Aadhaar, PAN, Voter ID, Passport) to the exam centre
- Any attempt to influence the recruitment process will lead to disqualification
- Candidates should regularly check the IOB website for updates, corrigendum and changes in the recruitment schedule
- In case of any discrepancy, the decision of Indian Overseas Bank will be final and binding
IOB Local Bank Officer Recruitment 2026 — Important Links and Follow Us
Official Recruitment Links
- Apply Online — Active from — iob.bank.in
- Official Website — iob.bank.in
Join Our Job Community
- Telegram Channel — Join Channel
- Facebook Page — Follow Page
- Twitter / X — Follow Updates
- Blogs — Visit Blog
IOB Local Bank Officer Recruitment 2026 — Frequently Asked Questions
Q1. What is the last date to apply for IOB Local Bank Officer Recruitment 2026?
The last date for submission of online applications for IOB Local Bank Officer Recruitment 2026 is . The application window opens on .
Q2. How many vacancies are there in IOB Local Bank Officer Recruitment 2026?
There are 250 Local Bank Officer (LBO) vacancies — Tamil Nadu 100, Karnataka 50, Maharashtra 50 and Gujarat 50 — in Indian Overseas Bank under JMGS-I scale.
Q3. What is the qualification for the IOB Local Bank Officer post?
A Bachelor's degree in any discipline from a recognised university. Candidates must also know the local language of the state they are applying for. Final year students are not eligible to apply.
Q4. What is the age limit for IOB LBO Recruitment 2026?
The age limit is 20 to 30 years as on . SC/ST get 5 years relaxation, OBC (Non-Creamy Layer) get 3 years, PwBD get 10 years and ex-servicemen get 5 years relaxation.
Q5. Is there negative marking in the IOB LBO exam?
Yes. 0.25 marks are deducted for every wrong answer. The online exam is of 200 marks with 140 questions to be completed in 3 hours.
Q6. What is the salary of an IOB Local Bank Officer?
The pay scale is Rs. 48,480 to Rs. 85,920 (JMGS-I) plus Dearness Allowance, House Rent Allowance, City Compensatory Allowance and other allowances. Approximate in-hand salary is Rs. 55,000 to Rs. 65,000 per month depending on the city of posting.
Q7. What is the application fee for IOB LBO Recruitment 2026?
Rs. 850 for General / EWS / OBC candidates and Rs. 175 for SC / ST / PwBD candidates. The fee is inclusive of GST and bank charges and is non-refundable.
Q8. What is the selection process for IOB LBO 2026?
Selection is based on Online Exam (80% weightage) + Language Proficiency Test + Personal Interview (20% weightage). The online exam is a computer-based test of 200 marks with 140 questions. Candidates must also clear the language proficiency test in the local language of the state they applied for.
Q9. Which states have vacancies in IOB LBO Recruitment 2026?
Vacancies are available in Tamil Nadu (100), Karnataka (50), Maharashtra (50) and Gujarat (50). Candidates must know the local language of the state they are applying for — Tamil, Kannada, Marathi and Gujarati respectively.
Q10. What is the probation period and service bond for IOB LBO?
The probation period is 2 years. Candidates must execute a service bond of Rs. 2,00,000 to serve the bank for a minimum period of 3 years. If a candidate leaves before the bond period, the entire bond amount must be paid.
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