Indian Overseas Bank (IOB) SO Recruitment 2025-26: Complete Guide, Test Series and Notes

IOB SO Test Series

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IOB SO Recruitment 2025-26: Complete Guide, Test Series and Notes

The Indian Overseas Bank (IOB) has officially released the notification for the IOB SO Recruitment 2025-26 under advertisement no. HRDD/RECT/03/2025-26 dated 12th September 2025.

 With 127 Specialist Officer (SO) vacancies across multiple domains such as Information Technology, Risk, Corporate Credit, Information Security, Treasury, Architecture, Civil, and Data Science, this recruitment offers a golden opportunity for professionals looking to advance their banking careers.

1. IOB SO Recruitment 2025-26: Notification Overview 

The IOB SO recruitment notification invites online applications from 12th September 2025 to 3rd October 2025 for 127 Specialist Officer posts in MMG Scale II and Scale III.

  • Organization: Indian Overseas Bank (IOB)
  • Post Name: Specialist Officer (SO)
  • Total Vacancies: 127
  • Grade/Scale: MMGS II & III
  • Application Mode: Online (www.iob.in)
  • Exam Mode: Online Test + Interview
  • Advt. No.: HRDD/RECT/03/2025-26
  • Posting: Anywhere in India

2. Important Dates – IOB SO Recruitment 2025

ActivityDate
Notification Release12th September 2025
Start of Online Registration12th September 2025
Last Date to Apply Online3rd October 2025
Application Fee Payment12th Sept – 3rd Oct 2025
Online ExaminationTo be announced
Interview DatesTo be announced
Pro tip: Apply early to avoid last-minute server issues.

3. IOB SO Vacancy 2025 Details 

The total number of IOB SO vacancies is 127, distributed across technical and functional roles. Here’s a snapshot of the major categories:

  • Manager (IS Audit): 8
  • Senior Manager (IS Audit): 2
  • Manager (IT): 41
  • Senior Manager (IT): 4
  • Manager (Risk): 5
  • Senior Manager (Risk): 5
  • Manager (Information Security): 13
  • Senior Manager (Information Security): 2
  • Manager (Treasury): 11
  • Manager (Corporate Credit): 6
  • Senior Manager (Corporate Credit): 4
  • Manager (Data Scientist/Engineer/Software Roles): Multiple posts
This wide range ensures opportunities for candidates from diverse professional backgrounds like IT, Finance, Risk Management, Civil, and Data Science

4. Eligibility Criteria 

The eligibility varies according to the post but includes Nationality, Educational Qualification, and Work Experience. (a) Nationality

  • Citizen of India, or
  • Subject of Nepal/Bhutan, or
  • Tibetan refugee before 1962, or
  • Person of Indian origin migrated from select countries with intent to settle in India
(b) Age Limit (as on 01.09.2025)
  • Manager (MMGS II): 25–35 years
  • Senior Manager (MMGS III): 30–40 years
  • Age relaxation applicable as per Government norms (SC/ST: 5 years, OBC: 3 years, PwBD: 10 years, etc.).
(c) Educational Qualification & Work Experience Each post has specific qualification and experience requirements. For example:
  • Manager (IT): BE/BTech/MCA/MSc in CS/IT with 3+ years in banking/FinTech IT domains.
  • Manager (Risk): CA/MBA (Finance)/MSc (Maths/Stats/Economics) with 2+ years in Risk/Credit.
  • Manager (Corporate Credit): MBA Finance/CA/CFA with 3 years in corporate lending.
  • Manager (Information Security): BE/BTech/PG in CS/IT/Cyber Security with certifications like CISA/CISSP and 2 years of experience.
Candidates should carefully check the post-wise educational criteria in the official notification

5. Salary and Benefits 

The pay structure for Specialist Officers in IOB is highly competitive:

  • MMGS II: ₹64,820 – ₹93,960
  • MMGS III: ₹85,920 – ₹1,05,280
Other benefits include DA, HRA, CCA, conveyance, telephone, furniture allowance, medical, and leased accommodation. Additionally:
  • Probation Period: 2 years
  • Bond: ₹2.5 lakh for 3 years minimum service commitmen

6. Selection Process for IOB SO Recruitment 2025 

The selection involves two stages:

  1. Online Examination
  2. Interview
(a) Exam Pattern
SectionNo. of QuestionsMarksTime
English Language252530 mins
General Awareness (Banking Focus)252530 mins
Professional Knowledge505060 mins
Total1001002 hours
  • Negative marking: 0.25 marks for each wrong answer
  • Sectional cut-offs: 30% (reserved), 35% (unreserved)
(b) Interview Candidates who clear the online test will be called for a personal interview. The final merit list will be based on performance in both stages.

7. Application Fees

  • SC/ST/PwBD: ₹175 (intimation charges only)
  • Others (Gen/OBC/EWS): ₹1000 (including GST)
Payment is accepted via Debit/Credit Card, UPI, Net Banking.

8. Preparation Strategy for IOB SO Recruitment

 The competition for IOB SO recruitment is tough, given the limited vacancies and specialized roles. To crack it, candidates should follow a structured approach with IOB SO Test Series, IOB SO Notes, and IOB SO Professional Knowledge Notes

(a) English Language

  • Focus on comprehension, grammar, vocabulary.
  • Resources: Wren & Martin, editorial reading.
(b) General Awareness (Banking Focus)
  • RBI circulars, banking reforms, financial markets, government schemes.
  • Follow Banking Awareness Notes regularly.
(c) Professional Knowledge This is the most crucial section. Candidates must master domain-specific knowledge such as:
  • IT Managers: Networking, OS, Databases, Finacle, Java, .NET, Cybersecurity.
  • Risk Managers: Credit risk, Market risk, Basel norms, Risk models.
  • Corporate Credit: Project appraisal, Loan structuring, Trade finance.
  • Information Security: Cybersecurity frameworks, CISA/CISSP topics.
Using IOB SO Professional Knowledge Notes will help condense technical subjects into exam-focused summaries.

9. Importance of IOB SO Test Series

 Practicing through a well-structured IOB SO Test Series is the key to success. Benefits:

  • Simulates actual exam conditions
  • Identifies weak areas
  • Provides time management practice
  • Improves accuracy and speed
Candidates should attempt at least 25-30 full-length mock tests before the exam.

10. Role of IOB SO Notes & Professional Knowledge Notes

  • IOB SO Notes: Cover basics of English, General Awareness, and Aptitude tailored for banking exams.
  • IOB SO Professional Knowledge Notes: Specialized study material focusing on domain-specific topics (e.g., IT, Risk, Finance, Cybersecurity).
These notes save time and ensure you study only exam-relevant content, which is crucial when balancing job and exam preparation.
11. Step-by-Step Preparation Plan
  1. Understand the Syllabus: Break it down into sections.
  2. Make a Timetable: Allocate daily time slots for each subject.
  3. Use IOB SO Notes: Build your basics.
  4. Revise Professional Knowledge Notes: Strengthen your specialization.
  5. Practice IOB SO Test Series: At least 3–4 mocks per week.
  6. Analyze Mock Tests: Work on accuracy and speed.
  7. Stay Updated: Read banking and financial current affairs daily.

12. Career Growth in IOB as Specialist Officer Joining IOB as a Specialist Officer opens the door to:
  • Fast-track promotions
  • Specialized roles in Risk, IT, Treasury, and Credit
  • Opportunities for training abroad
  • Exposure to high-value projects in the banking sector
With experience, officers can rise to Chief Manager, AGM, DGM, GM, and even Executive Director level.
13. Final Tips for Aspirants
  • Start preparation early – don’t wait for exam dates.
  • Use IOB SO Professional Knowledge Notes to master technical sections.
  • Attempt previous year papers of IOB, SBI, and IBPS SO exams.
  • Revise regularly and stay consistent.

The IOB SO Recruitment 2025-26 is a remarkable opportunity for professionals in IT, Risk, Finance, Credit, and Data Science to step into the dynamic world of public sector banking. With 127 vacancies, competitive pay, and immense career growth, it is a gateway to stability and prestige. Success in this recruitment requires focused preparation, practice with IOB SO Test Series, and revision through IOB SO Notes and IOB SO Professional Knowledge Notes. Candidates who prepare strategically will be able to secure a position in one of India’s leading banks. So, if you aspire to build a rewarding career in banking, start your preparation today and give your best shot at IOB SO Recruitment 2025.

Frequently Asked Questions (FAQs) on IOB SO Recruitment 2025 

1. How can I apply for IOB SO Recruitment 2025? 

You can apply online through the official website of Indian Overseas Bank (www.iob.in) under the “Careers” section. The application window is open from 12th September 2025 to 3rd October 2025. No offline applications will be accepted.


2. What is the exam pattern for IOB SO Recruitment? 

The exam consists of 100 objective-type questions divided into three sections:

  • English Language (25 questions, 25 marks)
  • General Awareness with special reference to Banking Industry (25 questions, 25 marks)
  • Professional Knowledge (50 questions, 50 marks)
The exam duration is 2 hours, with sectional timing.
3. Is there negative marking in the IOB SO exam?

 Yes. There is negative marking of 0.25 marks for each wrong answer. Unattempted questions carry no penalty.


4. What is the salary of IOB Specialist Officers?
  • MMGS II: ₹64,820 – ₹93,960 per month
  • MMGS III: ₹85,920 – ₹1,05,280 per month
    In addition, officers receive allowances such as DA, HRA, CCA, medical, furniture, and leased accommodation benefits.

5. What are IOB SO Professional Knowledge Notes? 

IOB SO Professional Knowledge Notes are specialized study materials covering technical and domain-related subjects such as IT, Risk, Corporate Credit, Information Security, and Treasury. They help aspirants focus on exam-relevant concepts and prepare effectively for the Professional Knowledge section.


6. Why should I attempt IOB SO Test Series? 

The IOB SO Test Series simulates the real exam environment, improves time management, and helps in identifying weak areas. Practicing 25–30 mock tests before the exam increases accuracy and boosts confidence.


7. Can I apply for multiple posts in IOB SO recruitment? 

Yes, candidates can apply for more than one post if they meet the eligibility criteria. However, for the same post, only the last submitted application will be considered.


8. What is the probation period for IOB SO? 

Selected candidates will be on probation for 2 years. After successful completion, they will be confirmed in the bank’s service as per the regulations.


9. Is there any bond for IOB SO officers?

 Yes. Selected candidates need to sign a Financial Service Indemnity Bond of ₹2.5 lakh for a minimum service of 3 years.


10. What are the best resources for IOB SO preparation?

 The best resources include:

  • IOB SO Notes for basics in English, Banking Awareness, and Aptitude
  • IOB SO Professional Knowledge Notes for domain subjects
  • IOB SO Test Series for practicing mock exams
  • Previous year question papers of IOB, SBI SO, and IBPS SO

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