Banking As a Profession

For Young graduate, an attractive offer after college is banking profession. It remains in this most wanted job position for years and it is because it enjoys much respect and prestige in the society. After the extinction of BSRB the only window to enter into this well sought career is Probationary Officers (PO) Exams conducted by individual banks. Banks inducts eligible graduates by this exam for training for a probational period of two years. The selected candidates performance during the probation period will decide their position after training. Different Banks recruit probationary officers during different periods in the year. Students has to keep on watch about the notifications and should be alert on applying promptly.

Career as a Probationary Officer

Pursuing Career as a probationary officer is a unique experience in itself. But it is the most common and highly sought after question that "what a Probationary Officer really do?".After the selection and till the date of joining the same question was making my mind puzzle. Hence I would like to share some of my experience with all of you looking after banks as a career option. I would be sharing my day to day experience within the bank so stay with us ...


Probationary Officer ----> Substitutional Officer

A Probationary Officer is supposed to carry those trainings which were assigned to him during his institutional training but at branches the story is totally different. He will become a Substitutional and sometimes Pending Officer in branches. All branches do have pending work all the time and Probationary Officer is that Ordinary person who can't deny. Along with that in all branches people will be taking leaves rotationally and one person is there who will be occupying all those seats rotationally - Probationary Officer. In last 7 days including today I have been given Fixed Deposit Seat (1 day), Transfer Seat (1 day), Government Section Scroll Seat (1 day), Government Section Transfer Seat (1 day); that time I was Substitutional Officer. Another day I was given a list to check account status (Pending Officer).


Comment Page :
  1. Dear sir
    I have done as well as ICWAI(inter).My ICWAI(final) is currently running.Now my question is that while filling online application for sbi PO,I have mention 12th,Graduation and there is column for professional qualification such as ca,icwa,cs. for sbi & sbi Associate form,should i mention ICWAI.Becoz there is no option for ICWAI(inter)

    Your earliest reply will be highly appreciated.
    thanking you

  2. Hello,

    State Bank requires Graduation as essential qualification which you are possessing. Now if you are having any other qualification it is better for you. It will not make any difference at the starting stage but will be considered in Interview time.
    You clearly mention that you have done ICWAI Inter. But remain prepare for the questions on the same. In the Professional Qualification column itself mention anywhere that you have done up to Inter.

  3. Dear Sir,
    If we got selected as a PO, we ll be placed in same district or somewhere else.

    Pl reply....

  4. I am computer science post graduate . do I qualify for the PO examination ?

  5. Sir,
    Through this I want to bring forward to your notice of some EXSM bretherns plight. The EX Servicemen joined in banks in clerical cadre can have Pay Protection as per Govt rule.

    The correct and latest order regarding pay protection of EXSM from DOPT is clarified in “No. 3/19/2009-Estt. (Pay II) Dated 5th Apr 2010” OM pertaining Re-employed EXSM, which can be easily found in DOPT site or can be googled.

    As long as EXSM employed in Banks are concerned, DA on pension has to be surrendered , if they are opting for pay protection. This can be further clarified in PCDA site, “”.

    Many Banks though allowing pay protection to EXSM employees, but deduction of DA on pension is not ensured. Despite clear instructions form PCDA, RBI, some EXSM employees hide or supress the facts from their PDAs. This leads to confusion among other EXSM employees whether to forgo DA on pension or put false life certificates.

    Some even question the module of recovering excess amounts already received by them as DA on pension and refrain others that nothing will happen and proclaim PCDA or Banks can never recover the already paid amounts .

    Already letters to Dept of Economic Affairs and Dept of Financial Services have been written. All banks are requested to provide data on the number of EXSM employed with them and whether their DA on pension has been surrendered to concerned Dept , if they have been pay protected , has been asked through RTI.

    With a conservative estimate the loss to exchequer may well exceed Rs 50-130 crores. Banks should take strict and uniform action in pay protecting EXSM employees and should ensure DA on their pension is deducted. This can save money to respective banks as well as Govt. and give an even platform for all EXSM employed in all banks devoid of any confusion while applying for pay protection. This will also bring down employee cost to banks considerably.

    Thanking you.

  6. what exactly is a probationary officer? what exactly does he do? I mean, I have not seen any PO in a bank.

    1. what is the profile of PO and what task he has to perform

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