How To Get A Bank Job In India: A Complete Guide

Bank Job: Want a stable and well-paid career? A bank job might be the right choice. India’s banking sector is expanding rapidly, offering numerous job opportunities in both public and private banks. With competitive salaries, job security, and career growth, a bank job is a preferred choice for many.

But how to get a job in a bank? Understanding the bank’s job qualification and recruitment process is crucial.

This guide covers how to become a bank employee, what to do for a banking job, and how to get a bank job after 12th in the public and private sectors. You’ll also learn about the qualifications for bank jobs in India, the skills required, and career prospects in 2025. Let’s explore the steps to start your banking career.

Table of Contents

India’s Banking Sector: Growth, Jobs, and Opportunities

The bank job market in India is expanding, driven by rising digital banking adoption and steady financial growth. In 2025, India’s banking market is expected to reach $465.10 billion in Net Interest Income, with traditional banks leading the sector. Roles like investment banker, loan officer, and financial analyst offer high salaries and career growth.

Public and private banks, along with small finance and cooperative banks, provide diverse employment options. With record profits and declining NPAs, banking remains a stable and rewarding career path. If you’re looking for a bank job, now is the right time to start.

How to Get a Bank Job in Public Sector Banks: Step-by-Step Guide

Public sector banks offer stable careers with good salaries and growth opportunities. If you’re wondering how to get a job in a bank, follow these steps to secure a position in a government bank:

Step 1: Choose the Right Bank and Role

Public sector banks hire for roles like bank clerk, probationary officer (PO), and specialist officer (SO). The main hiring bodies are:

Institute of Banking Personnel Selection (IBPS) – Recruits for multiple government banks and regional rural banks (RRBs).
State Bank of India (SBI) – Conducts its exams for SBI Clerk and PO positions.
Reserve Bank of India (RBI) – Recruits officers for its Grade B roles.

Step 2: Check Eligibility and Educational Requirements

To qualify for a bank job, you need a bachelor’s degree from a recognized university. Some roles may require specific qualifications in finance, economics, or business.

IBPS & SBI (Clerk & PO): Any graduate aged 20-30 years can apply.
IBPS SO: Age limit 20-30 years; qualification depends on the post (e.g., IT officer, HR officer, Law officer).
RBI Grade B Officer: Age limit 21-30 years (extended for MPhil and PhD holders).

Step 3: Clear the Bank Exams

Public sector banks conduct entrance exams, usually in three stages:

a) Preliminary Exam – Shortlisting round with reasoning, numerical ability, and English.
b) Mains Exam – Advanced topics like banking awareness and data interpretation.
c) Interview & Selection – Final stage to assess candidates’ suitability.

Common exams include IBPS PO, IBPS Clerk, SBI PO, SBI Clerk, and RBI Grade B.

Step 4: Get Ready for the Recruitment Process

To increase your chances of selection:

Study subjects like quantitative aptitude, reasoning, English, and banking awareness.
Attempt mock tests and solve previous year’s question papers.
Improve communication skills for the interview.

Step 5: Consider Banking Courses

If you’re looking for a bank job after 12th, consider pursuing degrees like B.Com in Banking & Finance, BBA in Banking & Insurance, or B.Sc in Banking & Finance. These can give you an edge in the recruitment process.

Also Read: Top Reasons to Pursue a Banking and Finance Course in 2025

Step 6: Apply for Entry-Level Bank Jobs

Begin your banking career with roles such as assistant manager, personal banker, teller, fraud analyst, or underwriter. Gaining experience in these positions can help you grow in the sector.

Following these steps will help you become a bank employee and build a successful career in India’s public sector banks.

How to Get a Bank Job in Private Sector Banks: Step-by-Step Guide

Private sector banks offer competitive salaries, career growth, and opportunities in various roles like personal finance advisor, investment banker, and relationship manager. If you’re wondering how to get a job in a bank, follow these steps to build a successful career in private banking:

Step 1: Get the Right Education

A bachelor’s degree in finance, business, economics, or accounting is the minimum qualification for most private bank jobs. If you’re looking for how to get a bank job after the 12th, consider pursuing degrees like B.Com, BBA, or a diploma in banking.

Step 2: Gain Additional Banking Knowledge

To improve your chances, consider higher education or certifications in banking and finance. An MBA in Banking & Finance or specialized banking courses can help you qualify for higher-level positions.

Step 3: Search and Apply for Bank Jobs

Private sector banks list vacancies on their official career portals, job websites like Naukri and LinkedIn, and recruitment agencies. Search for “bank job” openings and apply to roles that align with your qualifications.

Step 4: Prepare for the Hiring Process

Each private bank has its own hiring process, which may include:

Written exam – Tests aptitude and reasoning skills.
Group discussion – Some banks assess communication and problem-solving abilities.
Interviews – Focus on banking knowledge, customer service skills, and career goals.

Step 5: Gain Experience Through Internships

Internships and entry-level roles like a bank teller, personal banker, or relationship manager can help you become a bank employee and build relevant experience.

Step 7: Understand Service Bonds

Some private banks may require signing a service bond (typically 1-2 years). Review the terms before accepting an offer.

Also Check: Why Private Banking Might Be the Right Career for You?

By following these steps, you can secure a bank job in the private sector and build a successful career in banking.

Qualification for Bank Jobs in India

If you are looking for a bank job, understanding the required qualifications is the first step. Whether in a public or private sector bank, certain educational and skill requirements must be met.

1) Minimum Educational Qualification:

To apply for a bank job in India, you must have at least a Bachelor’s degree.
Public sector banks accept graduates from any field.
Private sector banks prefer degrees in finance, business, economics, or accounting.

2) Subjects to Study for Banking Exams:

For those preparing for public sector banking exams, here’s what qualification is required for a bank job in terms of knowledge areas:

Reasoning Ability – Tests logical thinking and problem-solving skills.
Quantitative Aptitude – Covers arithmetic, number series, and data interpretation.
English Language – Focuses on grammar, vocabulary, and comprehension.
General Awareness – Includes banking terms, economic policies, and current affairs.
Computer Knowledge – Tests basic computer and banking software proficiency.

3) Additional Qualifications for Better Opportunities:

Pursuing an MBA in Banking & Finance or a Diploma in Banking can improve job prospects.
Certifications in risk management, investment banking, or financial analysis can be beneficial.

Understanding these bank job qualifications will help you plan your education and improve your chances of securing a job in the banking sector.

Skills Needed for a Bank Job

To succeed in a bank job, you need a mix of technical knowledge and soft skills. Banks look for professionals who can handle financial transactions, interact with customers, and solve problems efficiently. Here, check the important skills for a career in banking:

Strong Communication: Clear and professional communication is essential for assisting customers, resolving queries, and collaborating with teams.
Customer Service: Handling customer concerns efficiently, providing financial guidance, and ensuring customer satisfaction are crucial.
Problem-Solving & Analytical Thinking: Bank employees must analyze financial data, identify risks, and provide solutions for customers’ banking needs.
Numerical Aptitude: A good grasp of numbers helps in handling transactions, analyzing investments, and maintaining accurate financial records.
Attention to Detail: Maintaining accurate records, following security protocols, and minimizing financial errors is critical in banking jobs.
Time Management: Meeting deadlines, handling multiple tasks, and managing work efficiently ensures smooth banking operations.
Trustworthiness & Integrity: Handling customer funds requires a high level of honesty and adherence to ethical banking practices.
Teamwork & Leadership: Collaborating with colleagues and leading teams efficiently is necessary for career growth in banking.
Banking & Financial Knowledge: Understanding financial products, banking regulations, and industry trends is essential for career advancement.
Adaptability & Tech Skills: With the rise of digital banking, being familiar with banking software, cybersecurity, and online transactions is a valuable skill.

Also Read: AI in Banking

These skills, combined with the right bank job qualification, improve your chances of securing a bank job in India and excelling in the field.

10 Practical Strategies for Securing a Bank Job

Securing a bank job requires more than just qualifications. A well-planned approach, industry knowledge, and the right skills can increase your chances. Here are some important tips to help you succeed:

1. Understand Different Banking Roles:

Before applying, explore various banking roles to find the one that matches your skills and interests.

Public Sector Banks (PSBs): Offer roles like a probationary officer (PO), clerk, and specialist officer through exams like IBPS and SBI PO.
Private Sector Banks: Hire for positions like relationship manager, financial analyst, and investment banker, often requiring experience or certifications.

For example, if you enjoy customer interactions, a relationship manager role in a private bank may suit you, whereas if you prefer finance and analysis, an investment banker role is better.

2. Gain Practical Banking Experience:

Internships and part-time roles in financial institutions can provide real-world banking experience, making you a stronger candidate.

Intern with banks like HDFC, ICICI, or SBI.
Work as a customer service executive in a finance company to understand banking operations.
Get hands-on experience in handling accounts, transactions, and customer queries.

For example, an internship at an NBFC like Bajaj Finserv can help you understand loan processing and credit analysis.

3. Stay Updated on Banking Trends & Policies:

Being well-versed in banking policies and financial updates can give you an edge during exams and interviews.

Follow financial news portals like The Economic Times and Business Standard.
Read RBI’s official website for updates on monetary policies and regulatory changes.
Attend webinars and workshops on topics like digital banking and fintech advancements.

For instance, understanding RBI’s recent changes in repo rates can help you answer banking exam questions on monetary policies.

4. Start a Blog on Banking & Finance:

Writing about banking-related topics can establish you as a knowledgeable candidate.

Share insights on banking trends, financial strategies, and RBI policies.
Publish articles like “How to Get a Bank Job in India” or “Importance of Digital Banking in Today’s Economy.”
Use platforms like Medium or LinkedIn to showcase your expertise.

For example, a well-researched blog on fintech innovations can highlight your industry knowledge and attract recruiters.

5. Join Professional Banking Associations:

Networking with banking professionals increases your exposure to job opportunities and industry insights.

Join associations like the Indian Banks’ Association (IBA) or the Indian Institute of Banking & Finance (IIBF).
Attend banking conferences and job fairs to meet industry experts.
Engage in LinkedIn groups related to banking careers.

For example, a connection with a senior banker through a conference might lead to valuable job referrals.

6. Develop Banking-Specific Technical Skills:

Banks prefer candidates with knowledge of financial software, risk management, and digital banking tools.

Learn MS Excel, Tally, and Core Banking Software (CBS).
Get Certified in Financial Modeling, risk management, or credit analysis.
Improve cybersecurity awareness, as digital banking security is crucial.

For example, having a certification in risk management can help you secure a job in a bank’s compliance department.

7. Prepare a Bank-Specific Resume & Cover Letter:

A well-crafted resume tailored for banking jobs can increase your chances of getting shortlisted.

Highlight relevant internships, certifications, and financial skills.
Use a clean, professional format emphasizing banking experience.
Customize your resume and cover letter for each bank application.

For instance, if applying for a credit analyst role, emphasize your knowledge of loan processing and financial risk assessment.

8. Optimize Your LinkedIn Profile for Banking Jobs:

Recruiters actively look for candidates on LinkedIn, making it essential to have an optimized profile.

Use a clear headline like “Aspiring Banking Professional | Financial Analysis & Risk Management.”
List skills such as financial analysis, banking operations, and customer relationship management.
Connect with banking recruiters and engage with industry-related posts.

For example, if you post insights on RBI policies and banking trends, recruiters may notice your profile.

9. Improve Your Professional Etiquette for Interviews:

Banking interviews test both your technical knowledge and professional behaviour.

Research the bank’s history, products, and recent initiatives.
Practice answering common questions like “Why do you want to work in banking?”
Wear formal attire, maintain eye contact, and communicate with confidence.

For example, if applying for a role at ICICI Bank, knowing about their digital banking products like iMobile Pay can impress interviewers.

10. Apply to the Right Bank & Location:

Choosing the right bank and location based on your career goals is important.

Decide between public sector banks (SBI, PNB, Bank of Baroda) and private banks (HDFC, Axis, Kotak).
Consider factors like job stability in PSBs or higher salary growth in private banks.
Be open to relocating for better opportunities in metro cities where banks have more vacancies.

For instance, if you prefer job security and government benefits, a public sector bank job may be a better fit.

Also Read: Types of Banking Services in India

By following these steps, you can improve your chances of securing a bank job in India. Focus on the right bank job qualification, industry knowledge, and networking to build a successful banking career.

Career Roles and Salaries in Bank Jobs in India

A bank job offers various career paths in both public and private sector banks. While public sector banks provide job security and steady career growth, private banks offer competitive salaries and performance-based incentives. Here’s a look at the career roles and average salaries in both sectors.

The table below highlights the average annual salaries for various roles in both public and private banks in India:

Public and Private Sector Bank Job Salaries
Role	Public Sector Bank Salary	Private Sector Bank Salary
Clerk	₹3L – ₹4LPA	₹3L – ₹4LPA
Probationary Officer (PO)	₹6L – ₹7LPA	₹6L – ₹8LPA
Specialist Officer (SO)	₹8L – ₹9LPA	₹8L – ₹10LPA
Relationship Manager	–	₹6L – ₹10LPA
Branch Manager	₹10L – ₹12LPA	₹12L – ₹15LPA
Credit Manager	–	₹10L – ₹12LPA
RBI Grade B Officer	₹12L – ₹14LPA	–

Note: The salaries mentioned above are based on information from various online sources and may vary depending on factors such as experience, job location, and individual performance.

Top Recruiters for Bank Jobs in India

Many leading banks in India hire professionals for different banking roles. Some of the major recruiters include:

Public Sector Banks: SBI, Bank of Baroda, PNB, Canara Bank, Indian Bank, Union Bank of India, and others.
Private Sector Banks: HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank, Yes Bank, and IndusInd Bank.

International Banks Hiring Indian Banking Professionals

For those looking for a bank job abroad, top global banks include:

Goldman Sachs
J.P. Morgan
Citibank
HSBC
Deutsche Bank
Standard Chartered
Morgan Stanley

With the right bank job qualification and experience, candidates can explore domestic and international banking careers offering lucrative salaries and career growth.

Also Read: 5 Days Banking in India – Everything You Need to Know

To get a bank job in India, focus on relevant education, skill development, and strategic preparation. Certifications like CBCA, CFA, or IIBF add value, while internships and networking improve job prospects. Staying updated on industry trends and preparing well for exams and interviews can significantly boost your chances.

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Start your journey in the BFSI sector with the PW Skills BFSI Certification Online Course and build a strong foundation for your career!

Bank Jobs in India FAQs

How can I get a bank job in India?

To get a bank job, you need to clear exams like IBPS, SBI, or RBI recruitment tests. These include written exams followed by an interview. Private banks may have direct hiring processes based on qualifications and experience.

What are the qualifications required for a bank job?

The bank job qualification varies by role. A bachelor's degree in any discipline is typically required for most roles. Some specialized roles may need additional certifications. The age limit for most exams is between 20-30 years, with relaxations for reserved categories.

How can I get a bank job after the 12th?

If you're wondering how to get a bank job after 12th, you can apply for clerical roles in private banks or customer service positions. However, public sector banks generally require a graduation degree. You can also start with a diploma in banking.

What is the process to become a bank employee in India?

If you’re looking for how to become a bank employee, public sector banks require candidates to clear exams like IBPS or SBI PO/Clerk. The selection includes a written test, followed by a personal interview. Private banks conduct direct recruitment through applications and interviews.

What is the salary range for bank jobs in India?

The salary depends on the role and the bank. Entry-level jobs like clerks earn around ₹20,000 per month, while officers can earn ₹40,000-₹83,000 per month. Private banks may offer higher salaries along with performance-based incentives.