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Cutoff trends in Banking exams and EWS: new point of attention for General category.

           Cutoffs of IBPS and related exams have always been point of attention. This is because; they help us understand difficulty levels and trends in exams. Candidate can interpret trends in future cutoffs according to pattern during exam shifts as well as through years and attempt accordingly. Here we are discussing cutoff trends of some important exams like SBI JA, IBPS clerk and PO, both categories wise and states wise.

        States wise cutoff trends are very interesting for Maharashtra domicile candidate, because the general (not category) cutoff for an exam is always lower by almost 14-15% than other competitive states. Following graph shows cutoffs of major states in SBI JA over the years and enough evident.

           The yellow bars are cutoffs of Maharashtra in increasing order of 2016, 2018 and 2019. (Here, only those states have been included which have posted regular and similar vacancies over the 3 years having equal parameters as MH state.)

1.   SBI JA

The cutoff is on the rise irrespective of category with 9-10% increase every exam. The red dot here is cutoff of EWS category reservation which was given by Modi government last year for economically weaker sections general category students. EWS cutoff 2019 was 54 marks as compared to 62.25 of general category. General category students who are eligible for this reservation must not leave this opportunity because; even a single mark can also cut your ticket for selection. If needs more information about EWS then, just google about it and you’re there, thank me later. please, be sure to select the same while submitting the application as this claim is not reversible. Important: Read notification carefully before making such claim for any doubts or eligibility, etc.

Here, we have not discussed the individual subject wise cutoff which varies with exam pattern which is dynamic. Here cutoffs of visually/ physically handicapped also not included. The recruitment for SBI JA did not took  place in year 2017.

2.   IBPS PO and Clerk

IBPS PO and clerk exams have shown similar trends. It took place every year and the exam is yet to get conducted in October month for 2019. The trends are self explanatory through successive graphs of PO exam and clerk.

Here, IBPS also releases the reserve list of candidates which have not been selected but have been included in to waiting list and will be incorporated into selection list if vacancy is made available during the course of recruitment process. This cutoff is obviously less than cutoffs in first list of selected candidates.

G2: IBPS PO category wise 2016, 2017, 2018.

G3: IBPS clerk category wise 2016,2017, 2018.

Reference: Gradeup

SaiExellence Academy, Shrirampur

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Preference choices of Banks in IBPS exams.

         One of the most ignored parts of filling the application form in case of IBPS exams is preference choices of banks. Candidate has to work for almost 25-30 years in respective bank if got selected. Although almost every nationalized bank has similar salary structure, promotion policy or job profile and status, still it is important for us to understand why preferences matter. This could matter in respect to candidates’ gender, bank’s transfer policy, work environment, work load and most importantly bank’s presence in India along with other factors.

1.    Participating banks and respective vacancies: This year for recruitment of IBPS for probationary officers,  Central Bank of India, Punjab National Bank and syndicate bank have not reported their vacancies (NR). Andhra Bank, Bank of Baroda, Indian Overseas Bank, Punjab and Sind Bank along with United bank of India have reported zero vacancies. These vacancies are subjected to change. Largest number of vacancies are reported by Bank of India. Moreover, these vacancies are subjected to change and they will increase as banks report more vacancies as recruitment process goes over the period.

Note: Bank wise and category wise detailed vacancies are mentioned in official notification of IBPS PO IX. It can be downloaded from ibps.in.

2.    HQ: The bank’s headquarter has important factor as bank has wider presence over the states/ region near the HQ. For example, Andhra bank is HQ in Hyderabad and it has dominant presence over Andhra Pradesh and Telangana. Similar case is for Bank of Maharashtra which has HQ in Pune. Job location is important factor for especially female or disabled candidates.

Bank’s having Pune HQ: Bank of Maharashtra

Bank’s having Mumbai HQ: Bank of India, Central Bank of India, Union Bank of India, IDBI.

3.    Branch Network: Largest branch network in India is State bank of India but it does not come under IBPS, the second largest branch network is roughly Bank of Baroda which grew stronger after its merger with Dena Bank and Vijaya Bank. Punjab National Bank comes third. Canara Bank, Bank of India, Central Bank of India, Union Bank of India have significant branch and ATM network with each having almost more than 4000 braches. These banks have dominant presence over a particular region does not mean that they have none presence over other areas. Important thing here to remember is we are talking about ‘significant presence’.

Indian Overseas Bank (HQ: Chennai), Indian Bank (HQ: Chennai) have wider presence over south India along with Canara bank, Andhra Bank and Syndicate bank.

Allahabad and UCO bank has North Eastern presence; Punjab and National Bank, Punjab and Sind Bank, Oriental Bank of Commerce, United Bank have presence in northern India.

For candidates belonging to Maharashtra, Bank of Maharashtra should be the number one preference. Other Banks having wider presence over Maharashtra are Bank of Baroda (mainly due to Dena Bank merger), Bank of India, Central Bank of India, Union Bank (spread in UP also) and IDBI bank.

4.    Location and transfer policy: Choice by Bank HR department for service location and Transfer policies varies according to banks and candidates are advised to learn about them.

5.   Personal Choice/ Dream

Of course, there is also no need to worry about the input of candidates from other states as they also will be giving their state wise preference accordingly. Here, important thing is to do is concentrate more on study rather bank preference choice. Simply, if candidate is getting higher score, its’ upper preference is going to be honored.

(This article is written considering service location for Maharashtra candidate and reflects my personal opinion. Candidates are advised personal discretion and conscience while putting final Preference Choices.)

(SaiExellence Academy, Shrirampur)

Contact: 8999091348

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