Indian Overseas Bank (IOB) has released the official notification for Local Bank Officer (LBO) Recruitment 2026-27. Through this recruitment drive, IOB will fill 250 Local Bank Officer vacancies in JMGS-I across Tamil Nadu, Karnataka, Maharashtra and Gujarat.
Eligible graduates can apply online from 08 August 2026 to 24 August 2026. The selected candidates will be posted in the state for which they apply, subject to the conditions mentioned in the notification.
This article provides complete details of IOB Local Bank Officer Recruitment 2026, including vacancies, salary/pay scale, age limit, educational qualification, local-language requirement, exam pattern, application fee, selection process, examination centres and the online application procedure.
IOB Local Bank Officer Recruitment 2026 – Overview
Particular | Details |
Recruiting Organisation | Indian Overseas Bank (IOB) |
Post Name | Local Bank Officer (LBO) |
Grade/Scale | JMGS-I |
Advertisement No. | HRDD/RECT/02/2026-27 |
Notification Date | 07 August 2026 |
Total Vacancies | 250 |
Application Mode | Online |
Online Registration Starts | 08 August 2026 |
Last Date to Apply | 24 August 2026 |
Application Fee Payment Period | 08 August 2026 to 24 August 2026 |
Job/Posting Location | State selected by the candidate |
Official Website | Indian Overseas Bank |
Selection Process | Online Examination → LPT, where applicable → Personal Interview |
The notification states that applications will be accepted only through online mode and that candidates can apply for the vacancy of one state only.
IOB LBO Recruitment 2026 – Important Dates
Event | Date |
Notification Date | 07 August 2026 |
Opening Date of Online Registration | 08 August 2026 |
Application Fee Payment Starts | 08 August 2026 |
Closing Date of Online Registration | 24 August 2026 |
Last Date for Application Fee Payment | 24 August 2026 |
Online Examination | To be announced by IOB |
Language Proficiency Test | To be announced |
Personal Interview | To be announced |
The application and fee-payment window is from 08 August 2026 to 24 August 2026.
IOB Local Bank Officer Vacancy 2026
Indian Overseas Bank has announced 250 vacancies for Local Bank Officers.
The vacancies are distributed across four states:
S. No. | State | Mandatory Language | Total Vacancies | SC | ST | OBC | EWS | UR | VI | HI | OC | ID |
1 | Tamil Nadu | Tamil | 100 | 15 | 6 | 33 | 9 | 37 | 1 | 1 | 1 | 1 |
2 | Karnataka | Kannada | 50 | 8 | 3 | 16 | 4 | 19 | 0 | 0 | 2 | 1 |
3 | Maharashtra | Marathi | 50 | 7 | 4 | 15 | 5 | 19 | 0 | 0 | 2 | 1 |
4 | Gujarat | Gujarati | 50 | 6 | 5 | 16 | 4 | 19 | 1 | 1 | 0 | 0 |
Total | 250 | 36 | 18 | 80 | 22 | 94 | 2 | 2 | 5 | 3 |
Some vacancies include backlog vacancies. The number of vacancies and reserved vacancies is provisional and may be changed according to the Bank's actual requirements.
Important Vacancy Rules
Candidates can apply for one state only.
A candidate applying for one state cannot apply for another state.
Merit lists will be prepared state-wise and category-wise.
PwBD reservation is horizontal and selected candidates will be placed in the appropriate SC/ST/OBC/EWS/UR category.
Selected candidates will be posted within the state selected by them for the first 12 years of service or until promotion to SMGS-IV, whichever is earlier.
IOB LBO Salary / Pay Scale 2026
The Local Bank Officer post is in JMGS-I / Scale-I.
IOB LBO Basic Pay Scale
₹48,480 – ₹2,000/7 – ₹62,480 – ₹2,340/2 – ₹67,160 – ₹2,680/7 – ₹85,920
In addition to basic pay, selected candidates will be eligible for allowances and benefits according to the Bank's applicable rules.
Salary Component | Details |
Post/Grade | Assistant Manager / Scale-I |
Starting Basic Pay | ₹48,480 per month |
Pay Scale | ₹48,480 – ₹2,000/7 – ₹62,480 – ₹2,340/2 – ₹67,160 – ₹2,680/7 – ₹85,920 |
Dearness Allowance (DA) | As per Bank rules |
HRA | As per Bank rules |
CCA | As per Bank rules |
Leave/Travel Allowance | As per Bank rules |
Other Perquisites | As applicable |
The notification specifically states that DA, HRA, CCA and other benefits will be governed by the rules in force from time to time.
Note: The notification provides the basic pay scale but does not specify a fixed monthly in-hand salary. Actual salary will depend on applicable allowances and deductions.
IOB LBO Advance Increment for Previous Banking Experience
IOB provides an advance-increment provision for eligible candidates who have previous officer-level experience in Scheduled Commercial Banks.
One advance increment may be granted for each completed year of prior service as an Officer in Scheduled Commercial Banks.
A maximum of two advance increments can be granted.
The previous job profile must substantially match the Scale-I Generalist Officer role of IOB.
Candidates working with subsidiaries of Scheduled Commercial Banks may be eligible for one increment.
Prior experience will not be counted for service seniority.
IOB LBO Eligibility Criteria 2026
Educational Qualification
Candidates must have:
A Degree/Graduation in any discipline.
The degree must be from a University/Institution recognised or approved by the Government of India or its regulatory bodies.
The candidate must possess a valid marksheet/degree certificate showing that they are a graduate at the time of registration.
Graduation percentage must be entered in the online application.
Is Banking Experience Mandatory for IOB LBO?
The IOB notification does not prescribe a minimum one-year banking experience as a basic eligibility requirement.
Previous banking experience is mentioned in the notification primarily in connection with advance increments, subject to the specified conditions. Candidates should nevertheless carefully provide documentary proof wherever experience details are requested in the application/interview process.
This is an important distinction from some other Local Bank Officer recruitment notifications.
IOB LBO Age Limit 2026
The age is calculated as on 01 August 2026.
Particular | Age |
Minimum Age | 20 years |
Maximum Age | 30 years |
Date of Birth – Eligible Range | 02 August 1996 to 01 August 2006, both dates inclusive |
Thus, candidates must have been born not earlier than 02 August 1996 and not later than 01 August 2006.
Age Relaxation
Category | Upper 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 |
Eligible Ex-Servicemen / Commissioned Officers / ECOs / SSCOs | 5 years |
The maximum age of 30 years applies to General and EWS candidates. Candidates claiming age relaxation must satisfy the applicable Government of India conditions and produce the required certificates.
Local Language Requirement
Local language proficiency is an important eligibility condition for IOB LBO Recruitment 2026.
Candidates must be able to:
Read
Write
Speak
the specified local language of the state for which they apply.
State-Wise Language
State | Required Local Language |
Tamil Nadu | Tamil |
Karnataka | Kannada |
Maharashtra | Marathi |
Gujarat | Gujarati |
Candidates who have not studied the specified local language in Class 10 or Class 12 will have to qualify in the Language Proficiency Test (LPT) before appearing for the Personal Interview.
Candidates who provide a Class 10 or Class 12 marksheet/certificate showing that they studied the specified local language as a subject are exempted from the LPT.
IOB LBO Selection Process 2026
The selection process consists of:
Online Examination
Language Proficiency Test (LPT), wherever applicable
Personal Interview
Final Merit List
Candidates qualifying in the online examination will be shortlisted for the LPT where applicable. Candidates who qualify in both the online examination and LPT will be considered for the Personal Interview.
Selection Process Flow
Online Examination
↓
LPT, if applicable
↓
Personal Interview
↓
Final Merit List – State-wise & Category-wise
IOB LBO Online Exam Pattern 2026
The online examination contains 140 objective questions carrying 200 marks.
Section | Questions | Maximum Marks | Medium | Duration |
Reasoning & Computer Aptitude | 30 | 60 | English & Hindi | 60 minutes |
General / Economy / Banking Awareness | 40 | 40 | English & Hindi | 30 minutes |
Data Analysis & Interpretation | 30 | 60 | English & Hindi | 60 minutes |
English Knowledge | 40 | 40 | English | 30 minutes |
Total | 140 | 200 | — | 3 Hours |
The online examination has separate timings for each section.
Negative Marking
There is negative marking in the online examination.
For every incorrect answer, 1/4th (0.25) of the marks assigned to that question will be deducted.
There is no penalty for an unanswered question.
Minimum Qualifying Marks
Category | Minimum Aggregate Marks in Online Examination |
Reserved Categories | 30% |
Unreserved Categories | 35% |
There are no sectional qualifying marks in the online examination. The cumulative marks across all four sections will be considered for shortlisting.
Language Proficiency Test (LPT)
Candidates must demonstrate proficiency in the local language of their selected state.
The LPT tests:
Reading
Writing
Speaking
Candidates who fail to qualify in the LPT will not be permitted to appear for the Personal Interview and will not be considered for further selection.
Candidates who studied the relevant local language in Class 10 or 12 are exempt from the LPT upon producing the required certificate/marksheet.
IOB LBO Personal Interview
The Personal Interview will carry 100 marks.
Particular | Details |
Maximum Interview Marks | 100 |
Minimum Marks – Reserved Candidates | 45% |
Minimum Marks – Unreserved Candidates | 50% |
Online Exam : Interview Weightage | 80 : 20 |
Final Merit | State-wise & Category-wise |
The final score is calculated using the prescribed 80:20 weightage of Online Examination and Personal Interview. The minimum aggregate score is 30% for reserved categories and 35% for unreserved candidates.
IOB LBO Application Fee 2026
The application fee/intimation charges are non-refundable.
Category | Application Fee / Intimation Charges |
SC/ST/PwBD | ₹175 including GST |
GEN/EWS/OBC | ₹850 including GST |
Payment can be made online using:
Debit Card
Credit Card
Internet Banking
BHIM
UPI
An e-receipt will be generated after successful payment, and candidates should retain it for future reference.
How to Apply for IOB LBO Recruitment 2026
Eligible candidates can submit their application online by following the steps below.
Step 1 – Visit the IOB Careers Section
Visit the Indian Overseas Bank website and open the Careers section.
Select "Recruitment of Local Bank Officers – 2026-27" and click the online registration link.
Step 2 – New Registration
Click on "Click here to Register Online".
Enter the required basic details.
After successful registration, the candidate will receive:
Registration Number
Password
through email and SMS. Keep these details safely for future login and application completion.
Step 3 – Upload Photograph and Signature
Upload the photograph and signature according to the specifications provided in the notification.
The candidate also has to upload:
Left Thumb Impression
Handwritten Declaration
Step 4 – Enter Application Details
Fill in all required details carefully, including:
Personal information
Educational qualification
Graduation percentage
Category
State preference
Local-language details
Other required information
The name and other personal details should match the candidate's certificates/marksheets.
Step 5 – Pay Application Fee
Pay the applicable application fee online through the available payment methods.
Step 6 – Submit Application
Complete the registration and submit the application.
After successful submission:
Download/print the system-generated application form.
Save the registration number and password.
Keep the payment/e-receipt safely.
Keep copies of all uploaded documents.
The Bank states that incomplete applications or applications where the prescribed steps have not been completed will be rejected.
Documents Required for Personal Interview
Candidates called for the Personal Interview must produce original documents along with self-attested photocopies.
Document | Requirement |
Personal Interview Call Letter | Original/printout |
Online Application Form | System-generated printout |
Date of Birth Proof | Birth Certificate / Class 10 Certificate etc. |
Local Language Proof | Class 10/Class 12 certificate, where applicable |
Photo Identity Proof | Aadhaar, PAN, Passport, Driving Licence, Voter ID etc. |
Educational Qualification | Marksheets and certificates |
Experience Documents | Experience certificate, appointment/relieving letters, salary slips etc., wherever applicable |
Caste Certificate | SC/ST/OBC/EWS, wherever applicable |
OBC NCL Certificate | Required where OBC reservation is claimed |
EWS Certificate | Required for EWS candidates |
PwBD Certificate | Required for PwBD candidates |
NOC | For candidates working in Government/PSU/Nationalised Bank/Financial Institution, where applicable |
Other Supporting Documents | As required by IOB |
Failure to produce the required documents can result in the candidate being disallowed from appearing in the Personal Interview.
Photograph, Signature and Document Upload Specifications
Candidates should prepare the required documents before starting the online application.
Photograph
Specification | Requirement |
Type | Recent passport-style colour photograph |
Preferred Dimensions | 200 × 230 pixels |
Photograph Size | 20 KB – 50 KB |
Physical Photograph Size | 4.5 cm × 3.5 cm |
Background | Light-coloured, preferably white |
Format | JPG/JPEG |
The application also requires candidates to capture/upload a live photograph through a webcam or mobile phone as instructed by the application system.
Signature
Specification | Requirement |
Ink | Black ink |
Preferred Dimensions | 140 × 60 pixels |
File Size | 10 KB – 20 KB |
Format | JPG/JPEG |
Important | Signature should not be in CAPITAL LETTERS |
Left Thumb Impression
Specification | Requirement |
Paper | White paper |
Ink | Black or blue |
Preferred Dimensions | 240 × 240 pixels at 200 DPI |
Physical Size | 3 cm × 3 cm |
File Size | 20 KB – 50 KB |
Format | JPG/JPEG |
Handwritten Declaration
Specification | Requirement |
Language | English only |
Paper | White paper |
Ink | Black ink |
Preferred Dimensions | 800 × 400 pixels at 200 DPI |
Physical Size | 10 cm × 5 cm |
File Size | 50 KB – 100 KB |
Format | JPG/JPEG |
Text | Must be written by the candidate |
The declaration must not be written in CAPITAL LETTERS. The notification provides the prescribed declaration text.
IOB LBO Examination Centres 2026
The notification provides the following tentative list of online examination centres. The Bank may change the examination centre arrangements as required.
State/UT | Online Examination Centres |
Andhra Pradesh | Vishakhapatnam, Guntur/Vijayawada, Kurnool |
Assam | Guwahati, Silchar, Jorhat, Tezpur |
Bihar | Patna, Gaya, Muzzaffarpur, Arrah |
Chandigarh | Chandigarh/Mohali |
Chhattisgarh | Raipur, Bhilai/Bhilai Nagar |
Delhi-NCR | New Delhi/NCR |
Goa | Mapusa |
Gujarat | Ahmedabad/Gandhinagar, Anand/Vadodara, Surat, Mehsana, Bhavnagar, Rajkot |
Haryana | Ambala, Kurukshetra, Faridabad, Gurugram |
Jammu & Kashmir | Jammu, Samba, Srinagar |
Jharkhand | Ranchi, Dhanbad, Jamshedpur |
Karnataka | Bengaluru, Hubli-Dharwad, Mysuru |
Kerala | Thiruvananthapuram, Kozhikode, Kottayam, Ernakulam, Alapuzha |
Madhya Pradesh | Bhopal, Indore, Ujjain, Jabalpur |
Maharashtra | Chhatrapati Sambhaji Nagar (Aurangabad), Nagpur, Pune, Mumbai/Thane/Navi Mumbai/MMR, Amaravati, Latur, Nanded, Jalgaon, Nashik, Kolhapur, Solapur, Ratnagiri |
Odisha | Bhubaneswar, Cuttack, Sambalpur, Rourkela, Berhampur-Ganjam |
Puducherry | Puducherry |
Punjab | Bhatinda, Amritsar, Patiala, Phagwara, Mohali |
Rajasthan | Jaipur, Jodhpur, Kota, Udaipur |
Tamil Nadu | Chennai, Madurai, Tirunelveli, Salem, Coimbatore, Tiruchirappalli, Vellore, Namakkal, Erode, Tirupur, Virudhunagar, Kanyakumari/Nagercoil, Thanjavur, Cuddalore |
Telangana | Hyderabad, Khammam, Warangal |
Uttar Pradesh | Lucknow, Kanpur, Prayagraj, Ayodhya |
Uttarakhand | Dehradun, Haldwani |
West Bengal | Kolkata, Asansol, Burdwan, Siliguri, Kalyani |
IOB LBO Probation Period
Candidates selected for appointment as Local Bank Officers will be placed on probation for:
2 years of active service
The probation period starts from the date of joining the Bank. Confirmation will be governed by the applicable Officers' Service Regulations.
IOB LBO Bond Amount
Selected candidates are required to execute a Financial Service Indemnity Bond of ₹2,00,000 for rendering service for a minimum period of 3 years.
Candidates should carefully read the official notification for the complete terms applicable to the bond.
Important Points for IOB LBO Applicants
There are 250 Local Bank Officer vacancies.
The post is in JMGS-I / Scale-I.
Starting basic pay is ₹48,480.
Candidates can apply for one state only.
Local-language proficiency is mandatory.
LPT is required if the candidate has not studied the specified local language in Class 10 or 12.
Candidates who studied the required language in Class 10/12 can be exempted from LPT by providing appropriate proof.
The online examination has 140 questions for 200 marks.
The exam duration is 3 hours.
There is 1/4th negative marking for wrong answers.
There are no sectional qualifying marks.
Minimum aggregate online-exam qualifying marks are 30% for reserved candidates and 35% for unreserved candidates.
The Personal Interview carries 100 marks.
Online Examination and Interview carry 80:20 weightage.
Selected candidates will be on 2 years' probation.
A ₹2 lakh financial service indemnity bond is applicable for a minimum service period of 3 years.
Selected candidates will remain posted in their selected state for the first 12 years or until promotion to SMGS-IV, whichever is earlier.
IOB LBO Recruitment 2026 – Important Links
Official Notification PDF
Download IOB Local Bank Officer Official Notification PDF
Apply Online
Apply Online for IOB LBO Recruitment 2026
Helpful Tools for IOB LBO Applicants
Applicants can use these tools while checking eligibility and preparing documents for the online application.
Age Calculator
Use the Age Calculator to calculate your exact age as on the IOB eligibility cut-off date.
Date Calculator
Useful for calculating date differences and determining important eligibility periods.
Photo Resizer / Editor
Use the Photo Resizer/Editor to resize your photograph according to the application requirements.
IOB Local Bank Officer Recruitment 2026 – FAQs
How many vacancies are available in IOB LBO Recruitment 2026?
Indian Overseas Bank has announced 250 vacancies for Local Bank Officers in JMGS-I.
What is the last date to apply for IOB LBO Recruitment 2026?
The last date for online registration and application fee payment is 24 August 2026.
What is the IOB LBO salary?
The post carries the Scale-I basic pay scale of ₹48,480 – ₹2,000/7 – ₹62,480 – ₹2,340/2 – ₹67,160 – ₹2,680/7 – ₹85,920, plus applicable DA, HRA, CCA and other benefits.
What is the age limit for IOB LBO?
Candidates must be between 20 and 30 years of age as on 01 August 2026. Candidates must have been born between 02 August 1996 and 01 August 2006, both dates inclusive.
Is banking experience mandatory for IOB LBO Recruitment?
The IOB notification does not specify a minimum prior banking experience requirement as a basic eligibility condition. Previous eligible officer experience can, however, be considered for advance increments subject to the Bank's conditions.
Which states have IOB LBO vacancies?
Vacancies are available in Tamil Nadu, Karnataka, Maharashtra and Gujarat.
Can I apply for more than one state?
No. Candidates can apply for a vacancy in one state only.
What is the IOB LBO exam pattern?
The online exam consists of 140 objective questions carrying 200 marks, divided into Reasoning & Computer Aptitude, General/Economy/Banking Awareness, Data Analysis & Interpretation, and English Knowledge.
Is there negative marking?
Yes. One-fourth of the marks assigned to the question will be deducted for an incorrect answer. There is no penalty for an unanswered question.
What is the IOB LBO application fee?
SC/ST/PwBD candidates have to pay ₹175, while GEN/EWS/OBC candidates have to pay ₹850, inclusive of GST.
What is the selection process?
The selection process consists of Online Examination, Language Proficiency Test where applicable, and Personal Interview. The final selection uses an 80:20 weightage between the Online Examination and Personal Interview.
What is the probation period?
Selected candidates will be on probation for 2 years of active service from the date of joining.
Conclusion
The Indian Overseas Bank LBO Recruitment 2026-27 is an opportunity for graduates seeking an officer-level position in a public sector bank. IOB has announced 250 Local Bank Officer vacancies in Tamil Nadu, Karnataka, Maharashtra and Gujarat.
The post offers a Scale-I starting basic pay of ₹48,480, along with applicable DA, HRA, CCA and other banking-sector benefits. The recruitment process includes an online examination, a local-language proficiency test where applicable, and a Personal Interview.
Candidates should particularly check the state-wise vacancy, local-language requirement, age eligibility and application deadline of 24 August 2026 before submitting the form. Since candidates can apply for only one state, the state preference should be selected carefully.
The application should be completed online well before the closing date, and applicants should retain the submitted application form, payment receipt and registration credentials for future use.
