SBI Circle Based Officer Recruitment 2026: 2273 Posts | Apply Online Last Date 18 Feb

The Critical Importance of the Application Start Date (29 Jan 2026)

The online application portal for SBI CBO Recruitment 2026 opened on 29 January 2026 on the official website sbi.bank.in/web/careers/current-openings. This start date marks the beginning of a crucial 21-day window that demands strategic planning. Beginning your application early is not merely advisable but essential for several practical reasons. The application requires meticulous entry of extensive details including personal information, educational qualifications, and comprehensive professional experience spanning at least two years. More importantly, you need to gather and upload multiple documents in specific formats and sizes - photograph, signature, thumb impression, handwritten declaration, ID proof, educational certificates, experience certificates, salary slips, Form-16, and a certified job profile. Starting early gives you ample time to obtain certified copies of your job profile from employers, ensure all documents meet the technical specifications (like 200x230 pixels for photo, 140x60 pixels for signature), and rectify any discrepancies. A common mistake candidates make is underestimating the time needed for document preparation and waiting until the final week, leading to rushed submissions and potential errors that could cause rejection during screening.

The Absolute Final Deadline and Consequences of Late Submission (18 Feb 2026)

The online application window will close irrevocably on 18 February 2026. The SBI recruitment portal operates on a strict schedule and will not accept applications beyond this date under any circumstances. It is crucial to understand that banking recruitments typically experience massive last-minute traffic, which can slow down servers or cause technical glitches. Candidates who wait until the final hours risk being unable to complete their application or facing payment gateway issues. Furthermore, the application requires careful review before final submission since no changes are permitted once submitted. The bank explicitly states that incomplete applications or those with incorrect information will be summarily rejected. Therefore, you should aim to submit your complete application at least 3-4 days before the deadline. This buffer period allows for any last-minute corrections and ensures you have time to handle unexpected issues. Missing this deadline means you will have to wait for the next recruitment cycle, which may have different eligibility criteria or may not be announced for several years.

Understanding the Fee Payment Process and Category Declaration

The application fee structure for SBI CBO Recruitment follows the standard pattern for public sector bank recruitments with some important nuances. While SC, ST, and PwBD candidates enjoy complete fee exemption, it's crucial to note that EWS candidates must pay ₹750 – a common point of confusion since EWS candidates sometimes expect fee exemption similar to SC/ST categories. The fee is non-refundable under any circumstances, including if your application is rejected during screening or if you are found ineligible at any stage. Payment must be made online through integrated payment gateways – debit cards, credit cards, or internet banking are accepted. A critical step is ensuring your category declaration matches your supporting documents. For instance, OBC candidates must belong to the Non-Creamy Layer (NCL) and possess a valid OBC-NCL certificate issued between 01 April 2025 and the interview date. If an OBC candidate from the creamy layer applies under OBC category, they risk rejection and forfeiture of fees. Similarly, EWS candidates must have a valid Income and Asset Certificate for FY 2024-25. The system generates an e-receipt upon successful payment, which must be preserved along with the printed application form for future reference.

Understanding Age Calculation with Real-World Examples (Cut-off: 31 Dec 2025)

Your eligibility is strictly determined by your age as of 31 December 2025. This fixed cut-off date is crucial for all candidates, regardless of when they apply or appear for examination. Let's illustrate with practical examples. If your date of birth is 15 June 1995, as of 31 December 2025, you would be 30 years, 6 months, and ~16 days old. This exceeds the 30-year limit for General category, making you INELIGIBLE unless you qualify for age relaxation. Now, if you are an SC candidate with the same DOB (15 June 1995), with +5 years relaxation, your effective upper limit becomes 35 years. At 30.5 years old, you would be ELIGIBLE. Another example: If your date of birth is 30 December 2004, as of 31 December 2025, you would be 21 years and 1 day old, meeting the minimum age requirement, so you are ELIGIBLE. However, if your date of birth is 01 January 2005, you would be 20 years, 11 months, and 30 days old on the cut-off date, falling short of 21 years, making you INELIGIBLE. A critical reminder: age calculation is based on your date of birth in matriculation/equivalent certificate – no other document is accepted.

Understanding Age Relaxation Rules and the No-Cumulative Policy

The age relaxation policy for SBI CBO recruitment follows government norms but with one crucial restriction: NO CUMULATIVE RELAXATION. This means if you belong to multiple categories eligible for relaxation (for example, both SC and PwBD), you can claim only one type of relaxation – whichever is more beneficial to you – but not both added together. For instance, a PwBD candidate from SC category gets +15 years relaxation (not 5+10=15 years – though the total is same, the principle is important). Similarly, an Ex-Serviceman from OBC background can claim either +5 years (ESM) or +3 years (OBC), not +8 years. This rule prevents double benefits and ensures fairness. Candidates must carefully decide which relaxation to claim based on their category certificates. The bank will verify your relaxation claim through original certificates at the interview stage. Any discrepancy between your claimed category and supporting documents will lead to disqualification. It's also important to note that OBC relaxation applies only to Non-Creamy Layer candidates – those belonging to creamy layer must apply under General category without any age relaxation.

The Non-Negotiable Experience and Job Profile Requirement

The core professional eligibility has two critical components: duration and nature of experience. First, you must have exactly 2 years of post-qualification experience as an officer in a Scheduled Commercial Bank or Regional Rural Bank as of 31 December 2025. "Post-qualification" means after completing your graduation – experience gained while studying or before graduation doesn't count. The experience must be continuous or aggregate of 24 months. Second, and more importantly, your job profile must substantially match that of an SBI Scale-I Generalist Officer. This is not a mere formality – SBI's screening committee will rigorously compare your certified job description with their standard JMGS-I profile. If your role was specialized (like only forex, only loans, only back-office operations) without general banking exposure, you risk rejection. You must obtain a detailed, certified job profile from your employer(s) describing your roles, responsibilities, and achievements. For private bank employees earning below ₹9.5 lakh per annum, or those from ineligible institutions like bank subsidiaries, this becomes an automatic disqualification. This stringent check ensures only candidates with relevant generalist banking experience proceed further.

Understanding Local Language Proficiency and Circle Selection

The "Circle Based" nature of this recruitment makes local language proficiency absolutely mandatory. When you select a circle during application, you must be proficient in at least one of its specified local languages – reading, writing, and understanding. For example, if you apply for the Chennai Circle, you must know Tamil; for Gujarat Circle, Gujarati; for Bengaluru Circle, Kannada. The bank will conduct a Local Language Proficiency Test for all provisionally selected candidates BEFORE joining. Failure in this test means no appointment, regardless of your performance in online test and interview. The only exemption is if you have studied the opted local language as a subject in 10th or 12th standard – you must produce the marksheet/certificate as proof. This rule ensures officers can effectively communicate with customers in their region. Therefore, your circle selection should be primarily based on your language skills, not just vacancy numbers or personal preferences. Applying for a circle whose language you don't know is a strategic mistake that will nullify your entire effort even if you clear all other stages.

Understanding Circle-Wise Vacancy Distribution and Its Implications

The 2,273 vacancies are distributed across SBI's 16 operational circles in India, with each circle having different numbers of positions. For example, Gandhinagar Circle has 257 total vacancies, Kolkata Circle has 250, while Thiruvananthapuram Circle has 85. This distribution reflects the bank's operational requirements in different regions. The vacancies are further divided into Regular and Backlog categories, with separate reservations for SC, ST, OBC, EWS, and General candidates. Additionally, there's horizontal reservation for Persons with Benchmark Disabilities (PwBD) across all categories – 4% of regular vacancies (88 positions) and additional backlog PwBD vacancies. When choosing your circle, you must consider not just total vacancies but also competition level, which varies by region. Circles with more vacancies (like Gandhinagar, Kolkata, Lucknow with 200+ each) might seem attractive, but they also attract more applicants. Conversely, circles with fewer vacancies might have less competition but also fewer chances. Your decision should balance vacancy numbers, your language proficiency, and your personal preference for geographical location, as you'll be restricted to that circle for up to 12 years or until promotion to SMGS-IV.

Understanding the Reservation Matrix and Certificate Requirements

The reservation policy for SBI CBO recruitment follows Government of India norms with specific documentation requirements for each category. For OBC candidates, only those belonging to the Non-Creamy Layer (NCL) are eligible for reservation benefits. The OBC-NCL certificate must be valid from 01 April 2025 onwards and remain valid through the interview date. Candidates from the creamy layer must apply under General category. For EWS candidates, the Income and Asset Certificate must be based on the financial year 2024-25 and valid for 2025-26, certifying family income below ₹8 lakhs. The notification explicitly states that EWS vacancies are tentative and subject to government directives and court orders. For SC/ST candidates, caste certificates must be in the prescribed government format from competent authorities. PwBD candidates must have a disability certificate showing 40% or more disability, issued on or before the application closing date (18 February 2026). The reservation for PwBD is horizontal – meaning reserved positions are distributed across all vertical categories (SC, ST, OBC, EWS, GEN). Each category's vacancies are filled through separate merit lists prepared circle-wise, ensuring fair representation while maintaining competition within each category.

Comprehensive Benefits Analysis for Reserved Category Candidates

Reserved category candidates receive specific benefits in SBI CBO recruitment, but these come with strict documentation requirements and conditions. SC and ST candidates enjoy the most substantial benefits: complete fee waiver, 5 years age relaxation, reserved vacancies, and access to pre-examination training. However, they must produce valid caste certificates at the interview stage; failure to do so results in being considered as General category candidates (without age relaxation if over 30). OBC (Non-Creamy Layer) candidates receive 3 years age relaxation and reservation in vacancies but must pay the application fee of ₹750. The critical requirement is the OBC-NCL certificate validity – it must cover from 01 April 2025 to the interview date. Many candidates make the mistake of using old certificates or those without the "Non-Creamy Layer" specific mention, leading to disqualification. EWS candidates have reservation in vacancies but no age relaxation and must pay the application fee. Their Income and Asset Certificate must be for FY 2024-25, and they should note the bank's disclaimer that EWS vacancies are tentative. PwBD candidates across all categories receive the most comprehensive benefits: fee exemption, substantial age relaxation (10-15 years based on category), scribe facility with compensatory time, and horizontal reservation. However, the disability certificate must show ≥40% disability and be issued by the stipulated date.

Deep Dive into Online Examination and Screening Process

The first stage – Online Examination – consists of two parts: Objective Test (120 marks, 2 hours) and Descriptive Test (50 marks, 30 minutes). The objective test has four sections with separate timings: English (30 mins), Banking Knowledge (40 mins), General Awareness/Economy (30 mins), and Computer Aptitude (20 mins). Once a section's time expires, you cannot return to it, requiring effective time management. There's no negative marking, encouraging candidates to attempt all questions. The descriptive test evaluates written communication skills through essay and letter writing in English, typed on computer. Qualifying marks are decided by SBI and not disclosed beforehand. Candidates who clear the online test proceed to Stage 2: Screening. This is a critical elimination round where the bank verifies all uploaded documents and, most importantly, matches your job profile with SBI Scale-I Generalist Officer profile. Even if you score high in the online test, if your experience doesn't match SBI's requirements, you face summary rejection. The screening committee's decision is final and binding. Approximately 3 times the vacancies are called for interview from each circle and category based on online test performance and screening results.

Understanding Interview, Final Merit, and Language Test

Candidates who clear screening are called for Interview (Stage 3) carrying 50 marks, with minimum qualifying marks decided by SBI. The interview assesses banking knowledge, communication skills, and overall suitability for an officer role. After interview, a final merit list is prepared circle-wise and category-wise using the formula: 75% weightage to Online Test (converted from 170 to 75) + 25% weightage to Interview (converted from 50 to 25). Normalization may be applied to online test scores. The final selection is strictly based on merit position in this list. However, clearing all these stages doesn't guarantee appointment. Stage 4: Local Language Proficiency Test is the final hurdle. Provisionally selected candidates must demonstrate reading, writing, and understanding skills in the circle's local language. Those who studied the language in 10th/12th standard are exempted upon producing marksheet. Failure in this test means no appointment, regardless of your merit position. This emphasizes why circle selection must align with your language capabilities. The entire process is rigorous but designed to select comprehensively competent officers who can effectively serve in their assigned circles.

Detailed Guide to Filling the Online Application Form

The application process is ONLINE ONLY through SBI's official career portal. Before starting, ensure you have all required documents scanned in correct formats: Photograph (200x230 pixels, 20-50 KB, JPG), Signature (140x60 pixels, 10-20 KB, JPG), Left Thumb Impression (240x240 pixels, 20-50 KB, JPG), Handwritten Declaration (800x400 pixels, 50-100 KB, JPG), and all PDF documents (ID proof, educational certificates, experience proof, Form-16, salary slips, certified job profile). Begin by registering on the portal. The system will generate a Provisional Registration Number and Password – note these carefully for future login. Select your preferred Circle carefully – you can apply to only one circle, and this choice determines your local language requirement and future posting. Fill each section meticulously, especially experience details – dates, designations, employer names must match your documents exactly. Upload all documents ensuring clarity and correct placement (photo in photo space, signature in signature space). A common mistake is uploading unclear documents or wrong file formats, leading to rejection during screening. After completing all sections, preview thoroughly before proceeding to payment (if applicable). Once you click 'Final Submit', the application is locked and NO CHANGES ARE ALLOWED. Download and print the e-receipt and application form for your records.

Critical Document Upload Specifications and Warnings

1. Photograph Requirements: You need to upload a static scanned photograph AND capture a live photo via webcam/QR code. The photo must have light background, face clearly visible, and be in prescribed dimensions. If photo is not uploaded at the designated photo space, exam entry will be denied. 2. Signature Rules: Must be in black ink on white paper, NOT in capital letters. 3. Handwritten Declaration: Must contain exact text: "I, [Name], hereby declare that all information submitted by me in the application form is correct, true and valid..." in your own handwriting. 4. PDF Documents: All must be clear, readable scans. Experience certificates must show officer designation and dates. Certified job profile must detail roles matching SBI Scale-I profile. 5. Common Mistakes: Using dark background photos, signatures in capital letters, unclear thumb impressions, mismatched information between form and documents, applying for multiple circles (leads to rejection of all applications). 6. Final Check: Before submission, verify that all information matches your original documents, especially dates of birth, experience periods, category, and circle selection.

Understanding the Salary Structure and Career Progression

As a Circle Based Officer in JMGS-I, you start with a basic pay of ₹48,480 plus two advance increments, placing you at an advantageous starting point in the pay scale. The pay scale structure (48480-2000/7-62480-2340/2-67160-2680/7-85920) means: Starting ₹48,480, after 7 annual increments of ₹2,000 you reach ₹62,480, then 2 increments of ₹2,340 to reach ₹67,160, followed by 7 increments of ₹2,680 to reach the maximum of ₹85,920. To this basic pay, Dearness Allowance is added (currently around 46% of basic), which is revised quarterly based on inflation. House Rent Allowance varies from 7% to 9% of basic depending on your posting city classification (X, Y, or Z category). City Compensatory Allowance is 3% or 4% based on location. Additional benefits include Provident Fund (PF), National Pension Scheme (NPS), Leave Fare Concession (LFC), medical facilities for you and your family, and possible lease rental instead of HRA if bank accommodation isn't available. The starting in-hand salary typically ranges between ₹70,000 to ₹85,000 depending on posting location. The comprehensive Cost to Company (CTC) including all benefits is approximately ₹10-12 lakhs annually at entry level, with steady growth through increments and promotions.

Career Path, Probation, and Transfer Restrictions

Upon selection, you join as a Circle Based Officer on probation for 6 months. During this period, your performance is continuously assessed. Successful completion leads to confirmation in JMGS-I. Failure to meet standards can result in termination. A crucial aspect of this position is the transfer restriction: as a CBO, you are posted only in the circle you applied for, with NO inter-circle transfers, NO corporate centre postings, and NO foreign postings until either promotion to SMGS-IV grade or completion of 12 years of service, whichever is later. This means you must be prepared to work within your chosen circle for a substantial period. The career progression follows SBI's general cadre promotion policy: JMGS-I → MMGS-II → MMGS-III → SMGS-IV → SMGS-V, etc., with time-bound and merit-based promotions. The bank offers excellent growth opportunities, with the potential to reach senior leadership positions over time. The stable career path, attractive compensation, job security, and prestige associated with SBI make this a highly sought-after position for banking professionals.

Mandatory Document Checklist for Application & Interview

For successful application and subsequent stages, you must have the following documents ready in specified formats. For Online Application Upload: 1. Photograph (JPG, 200x230 px, 20-50 KB) – both static and live capture required. 2. Signature (JPG, 140x60 px, 10-20 KB). 3. Left Thumb Impression (JPG, 240x240 px, 20-50 KB). 4. Handwritten Declaration (JPG, 800x400 px, 50-100 KB) with exact text. 5. ID Proof (PDF). 6. Date of Birth Proof (PDF). 7. Educational Certificates (PDF – all mark sheets, degrees). 8. Experience Certificates/Appointment Letters (PDF – showing officer designation and dates). 9. Certified Job Profile (PDF – detailed description matching SBI Scale-I). 10. Latest Form-16 (PDF). 11. Latest Salary Slip (PDF – not older than 3 months). 12. Resume (PDF). For Interview (Originals + 2 attested copies): All above documents plus: Caste Certificate (SC/ST/OBC), OBC-NCL Certificate (valid from 01.04.2025), EWS Income & Asset Certificate (FY 2024-25), PwBD Certificate (≥40%, issued by 18.02.2026), No Objection Certificate from current employer (if applicable), and any other relevant documents. Failure to produce originals at interview leads to disqualification.

Critical Warnings and Grounds for Disqualification

Candidates must strictly adhere to these rules to avoid disqualification: 1. One Circle Only: Multiple applications for different circles lead to rejection of all applications. 2. Job Profile Mismatch: If your experience doesn't substantially match SBI Scale-I Generalist Officer profile – SUMMARY REJECTION at any stage. Bank's decision is final. 3. Local Language Test: Failure in this test after provisional selection = NO APPOINTMENT. 4. Loan Defaults: Candidates with loan/credit card defaults (unless regularized with proof) or adverse CIBIL reports = INELIGIBLE. 5. Category Certificate Validity: OBC-NCL certificate must be valid from 01.04.2025; EWS certificate for FY 2024-25; PwBD certificate issued by 18.02.2026. 6. Document Discrepancy: Any mismatch between application information and original documents = Rejection. 7. Canvassing: Any form of canvassing = Disqualification. 8. Biometric Mismatch: Inconsistency in thumb impression/photo at exam center = Rejection. 9. Use of Prohibited Items: Mobile phones, calculators in exam = Cancellation + possible ban. 10. False Information: Discovery at any stage (even after joining) = Termination + legal action.

Complete Circle-Wise Vacancy Breakdown for SBI CBO Recruitment 2026

The following table provides the complete circle-wise distribution of all 2,273 vacancies for SBI CBO Recruitment 2026. This breakdown is crucial for candidates as they must select only one circle during application. The vacancies include both regular and backlog positions across 16 operational circles of State Bank of India. Each circle has specific local language requirements that candidates must meet. The distribution reflects SBI's operational needs across different regions of India. When choosing your circle, consider not just vacancy numbers but also your language proficiency, as you'll be required to work in that circle for up to 12 years or until promotion to SMGS-IV. Circles with higher vacancies like Gandhinagar (257), Kolkata (250), and Chennai (215) might offer more opportunities but also attract more competition. Conversely, circles with fewer vacancies like Thiruvananthapuram (85), Guwahati (89), and New Delhi (87) might have less competition but fewer openings.

Important Notes for Circle Selection: 1. You can apply for ONLY ONE circle - multiple applications lead to rejection. 2. Local language proficiency is MANDATORY for the selected circle. 3. Backlog vacancies are additional to regular vacancies and are distributed category-wise. 4. The posting will be strictly within the applied circle with no inter-circle transfer until promotion to SMGS-IV or 12 years service. 5. Choose your circle based on language skills first, then vacancy numbers, then personal preference.

Detailed Online Examination Structure for SBI CBO Recruitment 2026

The Online Examination for SBI CBO Recruitment consists of two parts: Objective Test (120 marks, 2 hours) and Descriptive Test (50 marks, 30 minutes). The objective test has four sections with separate timing for each section, meaning you cannot switch between sections or return to a previous section once its time expires. This requires strategic time management. There is NO NEGATIVE MARKING for wrong answers in the objective test, which encourages candidates to attempt all questions. There are also NO SECTIONAL CUT-OFF MARKS - only overall qualifying marks decided by SBI. The descriptive test is conducted immediately after the objective test and evaluates your written communication skills in English. The entire examination is computer-based, and the descriptive answers must be typed on the computer. Understanding this pattern is crucial for effective preparation and time management during the actual examination.

Examination Strategy Tips: 1. Time Management: Since each section has fixed timing, practice with sectional timers. 2. Attempt All Questions: With no negative marking, never leave any question unanswered. 3. Descriptive Preparation: Practice typing essays and letters within time limits. 4. Sectional Priority: Banking Knowledge (40 marks) carries highest weight - focus accordingly. 5. Technical Readiness: Get comfortable with computer-based tests and typing speed (30-40 WPM recommended). 6. Revision Strategy: You cannot return to previous sections, so revise within allocated time only.

Detailed Technical Specifications for Document Upload in SBI CBO Application

The SBI CBO online application requires candidates to upload several documents in specific formats and dimensions. Strict adherence to these specifications is crucial, as incorrect document upload can lead to application rejection. The documents are categorized into Image Files (JPG/JPEG format) and PDF Documents. For image files, particular attention must be paid to dimensions (in pixels), file size (in KB), and content specifications. The photograph requires both a static upload and a live capture via webcam/mobile. The handwritten declaration has specific text that must be written exactly as prescribed. PDF documents must be clear, readable scans with all pages combined into single files where applicable. Candidates should use good quality scanners (minimum 200 DPI) and ensure proper lighting for photographs. Common mistakes include dark background photos, signatures in capital letters, unclear thumb impressions, and documents that are not self-attested or properly certified.

Document Preparation Checklist: 1. Scan Quality: All documents must be clear, legible, and in true color. 2. File Naming: Use simple names without special characters. 3. Combined Files: Multiple pages of same document (like all mark sheets) should be combined into single PDF. 4. Self-Attestation: All photocopies must be self-attested with signature and date. 5. Certification: Job profile must be certified by employer with stamp and signature. 6. Size Verification: Check file sizes before upload to avoid rejection. 7. Format Compliance: JPG for images, PDF for documents - no other formats accepted. 8. Backup: Keep both digital and physical copies of all documents.

Common Rejection Reasons: 1. Photo not in photo space (leads to exam entry denial). 2. Signature in capital letters. 3. Handwritten declaration with incorrect text. 4. Unclear thumb impression. 5. Job profile not certified or not matching SBI requirements. 6. Experience certificate not showing Officer designation. 7. Documents not self-attested. 8. File sizes exceeding limits. 9. Wrong file formats. 10. Information mismatch between documents and application form.

1. What is the age limit for SBI CBO Recruitment 2026?

The age limit is 21 to 30 years as of 31 December 2025. This means your date of birth must fall between 01 January 1996 and 31 December 2004 (both inclusive). Age relaxation of +5 years for SC/ST, +3 years for OBC (NCL), +10 to +15 years for PwBD based on category, and +5 years for Ex-Servicemen is available.

2. Is banking experience mandatory for SBI CBO?

Yes, absolutely. You need minimum 2 years of post-qualification experience as an Officer in a Scheduled Commercial Bank or Regional Rural Bank as of 31 December 2025. Experience in bank subsidiaries or other financial institutions is not eligible.

3. Can I apply for multiple circles?

No. You can apply for only one circle. Multiple applications will lead to rejection of all your applications. Choose your circle carefully based on language proficiency and vacancy.

4. Is local language proficiency mandatory?

Yes. You must be proficient (read, write, understand) in at least one specified local language of your applied circle. A language test is conducted before joining. Exemption only if you studied the language in 10th/12th standard.

5. What is the application fee?

General/OBC/EWS: ₹750 | SC/ST/PwBD: ₹0. The fee is non-refundable. Payment through online modes only (Debit Card/Credit Card/Internet Banking).

6. What is the selection process?

Four stages: 1. Online Test (Objective + Descriptive) → 2. Screening (Document & Job profile check) → 3. Interview → 4. Local Language Test. Final merit: 75% Online Test + 25% Interview.

7. What is the starting salary?

Starting basic pay is ₹48,480 plus 2 advance increments. With allowances (DA, HRA, CCA), the approximate in-hand starting salary is ₹70,000 - ₹85,000 per month depending on posting location.

8. Can SBI clerical staff apply?

No. SBI clerical staff, supervisory staff, contract employees, and officers who resigned from SBI/Associate Banks are NOT ELIGIBLE for this recruitment.

9. Is there negative marking in online test?

No. There is no negative marking for wrong answers in the online objective test. This encourages attempting all questions.

10. What if I have loan defaults?

Candidates with loan/credit card defaults (unless fully regularized with proof) or adverse CIBIL reports are INELIGIBLE. Regularization must be done before application with updated CIBIL/NOCs from lenders.