Selection Process: The selection process will be carried out in three stages, the first one is Preliminary Examination second stage is Main Examination and third stage is Common Interviews conducted by IBPS.
1. Common Written Examination: Institute of Banking Personnel Selection (IBPS) conducts Online Exam for Clerical Cadre posts. The examination will be two tier i.e. the online examination will be held in two phases, preliminary and main. Total marks of Preliminary exam is 100 in a duration of 1 hour for objective type questions & total marks of Main exam is 200 in a duration of 2 hours for objective type questions. All the tests except the Test of English Language will be available bilingually, i.e. English and Hindi. Each candidate will have to secure a minimum score in each test and also on total to be considered to be called for interview.
2. Common Interview: Candidates who have been shortlisted in the examination for CWE Clerks-V will subsequently be called for an Interview to be conducted by the Participating Organisations and coordinated by the Nodal Bank in each State/ UT with the help of IBPS. Interviews will be conducted at select centres. The total marks allotted for Interview are 100. The minimum qualifying marks in interview will not be less than 40% (35% for SC/ ST/ OBC/ PWD/ EXSM candidates). The weightage (ratio) of CWE (Main exam) and interview will be 80:20 respectively. The combined final score of candidates shall be arrived at on the basis of scores obtained by the candidates in CWE Clerks- IV and Interview.
A candidate should qualify both in the CWE and interview and be sufficiently high in the merit to be shortlisted for subsequent provisional allotment process, details of which will be made available subsequently on IBPS website.

Exam Pattern:
Institute of Banking Personnel Selection (IBPS) conducts this Online Common Written Exam for Clerical Cadre posts. The examination will be two tier i.e. the online examination will be held in two phases, preliminary and main. Total marks of Preliminary exam is 100 in a duration of 1 hour for objective type questions & total marks of Main exam is 200 in a duration of 2 hours for objective type questions. The tests except the Test of English Language will be available bilingually, i.e. English and Hindi.
CWE – Online Examinations: 
1. The structure of the Examinations which will be conducted online are as follows:
a. Preliminary Examination
Sr No Name of Tests No. of Qs Maximum Marks Duration
1 English Language 30 30 Composite time of
1 hour
2 Numerical Ability 35 35
3 Reasoning Ability 35 35

Total 100 100
b. Main Examination
Sr No Name of Tests No. of Qs Maximum Marks Duration
1 Reasoning 40 40 Composite time of
2 hours
2 English Language 40 40
3 Quantitative Aptitude 40 40
4 General Awareness
with special reference
to Banking Industry)
40 40
5 Computer Knowledge 40 40

Total 200 200
Penality for Wrong Answers:
There will be penalty for wrong answers marked in the Objective Tests. For each question for which a wrong answer has been given by the candidate one fourth or 0.25 of the marks assigned to that question will be deducted as penalty to arrive at corrected score. If a question is left blank, i.e. no answer is marked by the candidate; there will be no penalty for that question.
Scores: The corrected scores obtained by each of the candidates in different sessions (if held) will be normalized using equipercentile method.
Cutoff Score: Each candidate will be required to obtain a minimum score in each test and also a minimum total score to be considered to be shortlisted for interview. Depending on number of the State/ UT wise vacancies available, cutoffs will be decided and candidates will be shortlisted for interview. Prior to the completion of the interview process, scores obtained in the online examination will not be shared with the candidates shortlisted for interview.


Buy Previous Papers IBPS

Reasoning: Total number questions covered under this section are about 50. Reasoning is divided under two sections.
  • Verbal Reasoning
  • Non Verbal Reasoning
Verbal Reasoning:
  • Alphabet test
  • Mathematical Operation test
  • Classification
  • Syllogism
  • Number
  • Ranking and time sequence
  • Causes and effects
  • Coding-decoding
  • Blood relations
  • Analytic reasoning
  • Direction sense test
  • Input output
  • Statement
  • Test Series
  • Analogy
  • Odd one out
  • Sitting arrangement
  • Statement and arguments
  • Statement and action’s courses
  • Assertion and reasoning
  • Passage and conclusions
  • Figure Series
  • Decision making and conclusions
  • Statement and assumptions
  • Word formation.
Non- Verbal Reasoning :
  • Figure series test
  • Analogy
  • Odd figures



Quantitative Aptitude & Data Interpretation:
  • Number system
  • HCF & LCM Simplifications
  • Partnerships
  • Percentage
  • Ratio and proportions
  • Average & Ages Ratio & Proportion
  • Number series
  • Problems based on numbers
  • Approximation Wrong Number
  • Decimal fractions
  • Square root and cube root
  • Profit and loss
  • Simple interest and compound interest
  • Data tables
  • Probability
  • Time and work
  • Time and distance
  • Pie charts
  • Bar graphs
  • Line graphs
  • Average
  • Mensuration
  • Mixed graphs



  • Spotting the errors
  • Phrase substitution
  • Fill in the blank
  • Idioms & Phrases
  • Choosing the appropriate filler
  • Double blanks in a sentence
  • Ordering of sentences or jumbled up sentences
  • Synonyms & antonyms
  • Reconstruction of sentence & passage
  • Commonly misspelled words
  • One word substitution
  • Vocabulary means homonyms, synonyms, antonyms,sentence completion, word formation.
  • topic comprehension means deriving conclusion, theme detection, passage completion.
  • the topic rearrangement of passage, spelling, sentence and the topic grammar means set of rules active passive voice, indirect direct speech.
  • the topic general usage means phrases and idioms.
  • Grammar
  • Articles
  • Preposition
  • Sentence Improvement
  • Spotting Error Questions
  • One Word Substitution
  • Sentence Completion Etc    

    Buy IBPS English Speed Test



    • Indian Financial System – Overview of Financial Markets (Money Market, Capital Market, Forex Market, Credit Market), Financial Intermediaries involved (like investment bankers, underwriters, stock exchanges, registrars, depositories, custodians, portfolio managers, mutual funds, primary dealers, Authorised dealers, self regulatory organizations, etc. Also read important committees and its recommendations.
    • History of Indian Banking Industry - (Pre Independence, Post Independence, Nationalisation), Structure of Indian Banking, Types of Banks (Scheduled, Co-operatives), categorisation of Bank (Pvt, PSU, Foreign), NHB, SIDBI, EXIM, NABARD, IDBI its role etc and concept of NBFC.
    • Regulatory Bodies like – RBI, (RBI History/ Functions/ Roles/) SEBI, IRDA, PFRDA, FSDC, FMC etc its role functions and fact based details
    • Monetary & Credit Policies who decides, basis of change and its relation with Inflation and other related issues & Inflation (Types) CRR/ SLR/ Repo/ Re-Repo/Bank Rate etc.
    • Budget Basics and Current Union Budget – Discussion of Budget related terminologies like GDP, Fiscal Deficit, Various kinds of taxes, Government revenue model and spending etc. and discussion on Union Budget 2014. Also major pointers for Rail Budget and Economic Survey to be read.
    • International Organisations/ Financial Institutions – IMF, World Bank, ADB, UN related agencies, recent development in them members heads etc functions, recent loans given by them to India or any country in the world where Crisis is going on.
    • Capital Market & Money Market – Concept, Types of Instruments they deal in like (1. Call/Notice Money 2. Treasury Bills 3. Term Money, 4. Certificate of Deposit 5. Commercial Papers or Capital Market Instruments like equity Shares, preference shares, or Debt segment like Debentures etc also talk about Stock Exchanges in India and world.
    • Government Schemes – All important schemes for ex. Bharat Nirman, Swavlamban, Swabhiman , All schemes discussed in budget - the details like when was it introduced, important facts related to same, budgetary allocation etc.
    • Abbreviations and Economic terminologies - Frequently discussed in newspaper  
    • Other important concepts like – BASEL, Micro Finance, Base Rate, Negotiable Instruments, Credit Rating Agencies, Financial Inclusions, Teaser Rates, GAAR, Priority Sector Lending and all other important concepts.

    • Computer hardware parts and controls
    • Basic computer terminology
    • Basic internet knowledge and protocols
    • Number System
    • History of Computer
    • Network basics (LAN & WAN)
    • Computer abbreviation
    • Security Tools , Virus , Hacking
    • Software names and usages (Microsoft Office)
    • And Computer Shortcut

     How to prepare Subject wise:

    English Language :

    This section is usually Common Errors, jumbled Sentence, jumbled Words, spelling errors, comprehension Test, filling the blanks,  Phrase Meaning, Phrase Replacement like questions from within., approximately 25 to 30 percent of the questions most weight age is possible that in the comprehension. Grammar and Vocabulary standard is Mandatory for English test on this Clerk Exam. Grammar grip increases by continuous study as it is the main weapon. Speed reading also contributes English success.

    General Awareness:

    This section is intended to judge the level of understanding of the social aspects of the candidates. In addition, General Awareness and Computers section also included. In this context it is updated for changes in the banking sector. RBI policies, the latest credit policies; innovative and banks policies; banks, companies essential Captions must go through. GK In addition to sports - Winners, workshops - places, awards - people, the people in the news to prepare the test of time is required before 6 to 7 months of the exam as its online this time don't forget to go through latest current affair too. Similarly, with regard to the Computer Knowledge- Generations of Computers, Computers History, Fundamentals of MS Office, MS Word, MS Excel, Shortcuts are essential topics.

    Test of Reasoning:

    The answer depends on the ability of self-reflection that is Section Reasoning. Critical, logical analysis, to identify key words in question need to be eagle-eyed. Series, analogy, Classifications, directions, Blood Relations, alphabetical orders, numbers need to prepare for it. Coding, and decoding, Ranking, Order of arrangement grip on it.

    Positions characters in alphabetical order English front to back, back to front learning is Important.

    Quantitative Aptitude

    Arithmetic elements attain  A keen observation, basic knowledge of mathematics, basic concepts must be needed, finding statement right or wrong etc. Percentage arithmetic section,, Simple equations preparation needed.

    Data Interpretation plays vital role in this section.

    Tips for cracking each section


    Reasoning is a test of observing our mental and problem solving ability. Reasoning is not like numerical skill where you learn some formula and solve question by applying that formula.Understand the question before solving it. Don’t take much time for single question.You have to be very careful while answering these questions.Practice similar questions from previous model papers or previous year’s exam papers are the key to do well in this section.The most important questions from this section are on the topics such as Seating Arrangements, Syllogism, Coding-Decoding, Statement and Conclusions, Directions, Blood Relations, Analogy, Classification, Series problems, Missing Characters, Odd Man out, Ranking Test, Data sufficiency, Assumptions and Directions. Non-Verbal is the toughest of all.
    Which questions you have to attempt first –
    It’s better to attempt first those questions on which you are very confident and you can attempt in a minimum time.Please do not start with Seating Arrangement/ Puzzle type’s questions because once you stuck in these questions, you will lose your valuable time.

    Quantitative Aptitude

    This section contains the basic mathematical questions. Before exercising such questions, it is better to go through the basic mathematical formulae and learn some short cuts to solve the questions in lesser time. In this section, the questions act as Calculation Instruments. This section is extremely scoring and the right understanding of the problem can help the aspirants to sail through this section. The most important questions from this section are on the topics such as Number Systems, Fractions, Ratio and Proportion, Time & Work, Percentage, Profit & Loss, Problems on Ages,Simple Interest & Compound Interest, Average, Time & Distance, Mensuration, Partnership and Data Interpretation.
    Don’t try guesses in this section,Speed up your calculation and Learn Square up to 30 and multiplication tables up to 20 are some key points to score well in this section.

    General English:

    IBPS Clerk English exam is tough when you compare with other competitive exams and this is the section where many aspirants are not able to score minimum cut off marks. As you all read English books, chat with your friends in English and of course watch English movies. But you cannot get score good marks in English section. Most of the students face difficulty in this section. This is a test principally to determine candidate’s ability to remember main ideas and significant details. The most important questions from this section are on the topics such as Grammar, Comprehension, Error Correction, Vocabulary and Synonyms & Antonyms.

        Read English newspapers daily.

        Improve your vocabulary by knowing 10 new words everyday along with its Synonyms and Antonyms.
        Watch good English news channels.
        Can refer the book ‘Wren n Martin’.

    General Awareness + Computer:

    This is the most important section of IBPS clerk Exam. This section acquires more importance because this is the only section which can be attempted quickly and at the same time, very high marks can be scored in this section. The most important questions from this section are on the topics such as Banking Knowledge,Current Affairs, Oscar Awards, Organizations and Headquarters, Important Days, Famous Persons and their Roles, Award Winners, Books and Authors Games and Cups and Abbreviations.The most important questions for Computer Knowledge are on the topics such as Computer History, Computers-Generations, Internet, Founders and Inventors, MS Office (MS Word, MS Excel, MS PPT, and MS Outlook), Operating System, Computer Hardware & Software and Abbreviations for Computer terms, Storage Devices,Computer organization & Microprocessor, Latest changes in Technology, Data Base Management Systems and Computer Networks.

    Apart from this study material, few tips:

        Listen and read National news on daily basis.

        Go through the General Awareness books such as Competition Master, Competition Success Review or Pratiyogita Darpan on monthly basis.
        Study the last budget passed by the Central Government.
        Aware of all changes around the world 6-7 months before the date of the Exam.
        Daily interaction with computer will give you guys an additional advantage while attempting the questions of Professional Knowledge Section.

    Some Key Points to crack this Exam:

        Keep Practicing – Practice as much as you can do for sections such as Data Interpretation and Reasoning as it will take time to solve questions of these sections. You have to be quick in solving mathematical calculations.

        Get the detailed information about the syllabus – There will be two papers, first is Objective type test and second is Descriptive type test. You need to have a look at the sections and their topics of both these papers so that you can start your preparation well
        Focus on each section – The selection process is based on the score of your exam in each section. Keep in mind that you have to clear the cut off marks of each of the sections.
        Get an idea of questions from previous year’s papers – Practice from previous year’s question papers will give a clear idea about the difficulty level of questions and pattern of question paper.
        Last time Revisions – After you have finished your course, go for one more reading. This will help you in memorizing the facts properly. It will be better if you prepare short notes as well. This helps in revision at a later stage when time is less.

    Things to keep in mind while attempting the MAINS written exam

    There is no set pattern to attempt the various sections of the exam. But based upon candidate experiences and the knowledge base provided by our team, you can try this to maximize results. You can attempt the sections in this order mentioned in parenthesis as follows
    Reasoning-35 min (3rd)

    GK and Computer awareness-20 min (1st)

    English-25 min (2nd)

    Quantitative aptitude-40 min (4th)
    Second thing to keep in mind is, “NEVER OVER EXPECT”. Candidates make the greatest blunder when they try to attempt each and every question (remember, there is one fourth negative marking and every mark counts).
    Don’t get stuck in a question as it will eat up all your time. Instead, try to solve those questions first which you can solve in one go as it will maximize your score. Once you are finished with all these questions, provided you have time left you can come back to the unsolved questions.
    Your primary aim should be to clear the cutoff first. Satisfying your ego in solving one mathematical problem in a time span when you can solve 10 more questions is utter foolishness. Try to gather marks first, so that you could clear both the cut offs and then make an effort to score more.
    One golden trick for English Section- Don’t run after Sentence rearrangement questions as they are very time consuming and even no guarantee that you will get it right.
    Last but not the least, have faith in yourself. Don’t pay attention to rumors and never let anybody to discourage you during the course of preparation. Always remember, its you who is going to attempt the exam and its only you who can create the magic by hard work+smart work. So, anybody else’s opinion should not create an impact on your aim to be a top notch banking officer.

     Time Management Tips Are As Follows

        Practice with Stopwatch on your side: For any aspiring PO candidate it is a must to keep a stopwatch by their side while preparing. Apart from the tenacity of the questions, what matters is that of the allotted time for solving those questions. One needs to practice so well in the paper so that he/she can answer most number of questions that too keeping the accuracy factor in mind. This also helps you to improve your time and boosts your confidence just before the examination.

        Skip Questions that are troubling much: There are 200 questions in each of the paper, and if at any point it is felt by the candidate that a certain question is troubling them much, they should immediately move away from that particular question and try and solve other known ones. Rather than sticking to any particular question, it is advisable to move along.
        Go through Practice sets and Mock Question Papers: Mock question papers and practice sets can help the candidates to prepare for the examination effectively. By solving these sets you could have an idea of how many questions you are solving on the given time and try to improve that by applying and innovating newer techniques for solving problems through constant practice.
        Do not go for everything: You certainly didn’t want to get in trap of ‘getting everything’ under your belt. Thus, you should set a target for yourself while you are preparing for any paper and decide how many questions you are going to attempt with accuracy to be on top of anything. You should keep an eye on quality of your answers rather than the quantity as doing this you could also avoid negative markings which can take down your chances of getting through.





1 comment:

Ali said...

When will the IBPS SO Application released, Plz tell