IOB LBO Recruitment 2026: Apply Online for 250 Local Bank Officer Posts – Gujarat Has 50 Vacancies

IOB LBO Recruitment 2026

IOB LBO Recruitment 2026 notification has been officially released by Indian Overseas Bank (IOB), a Government of India Undertaking, headquartered in Chennai under Advertisement Number HRDD/RECT/02/2026-27 dated 7 August 2026. A total of 250 vacancies have been announced for the post of Local Bank Officer (LBO) in Junior Management Grade Scale-I (JMGS-I) across four states – Tamil Nadu, Karnataka, Maharashtra, and Gujarat. Eligible graduates can apply online from 8 August 2026 to 24 August 2026 through the official IOB website at iob.bank.in.

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This is exceptional news for banking aspirants in Gujarat as the state has been allotted 50 vacancies out of the total 250 IOB Local Bank Officer posts. The Indian Overseas Bank LBO Recruitment 2026 offers the unique advantage of being posted within your home state, making it one of the most desirable public sector bank officer jobs for candidates who prefer career stability close to home. With a pay scale of Rs 48480 to Rs 85920, two years probation period, and a service bond of only Rs 2 lakh, this IOB bank officer vacancy 2026 is perfect for fresh graduates from any discipline looking to start a banking career.


Table of Contents

  1. IOB LBO Recruitment 2026 Overview
  2. Important Dates for IOB LBO 2026
  3. IOB LBO Vacancy 2026 – State Wise 250 Posts
  4. Gujarat Vacancy Details with Category Wise Breakdown
  5. PwBD Reservation Details
  6. Eligibility Criteria for IOB LBO Recruitment 2026
  7. Age Limit and Relaxation
  8. Local Language Proficiency Requirement
  9. Application Fee for IOB LBO 2026
  10. IOB LBO Salary 2026
  11. Service Bond and Probation Details
  12. Selection Process for IOB Local Bank Officer 2026
  13. IOB LBO Exam Pattern 2026
  14. IOB LBO Syllabus 2026
  15. Interview Details and Final Merit Weightage
  16. How to Apply Online for IOB LBO Recruitment 2026
  17. Documents Required for IOB LBO Application
  18. Important Instructions for Candidates
  19. Preparation Tips for IOB LBO Exam 2026
  20. Important Links
  21. FAQs About IOB LBO Recruitment 2026

IOB LBO Recruitment 2026 Overview

DetailInformation
OrganizationIndian Overseas Bank (IOB), Government of India Undertaking
Headquarters763, Anna Salai, Chennai – 600002
Advertisement NumberHRDD/RECT/02/2026-27
Post NameLocal Bank Officer (LBO)
GradeJunior Management Grade Scale-I (JMGS-I)
Total Vacancies250
States CoveredTamil Nadu, Karnataka, Maharashtra, Gujarat
Gujarat Vacancies50
Application ModeOnline Only
Application Start Date08 August 2026
Last Date to Apply24 August 2026
Age Cut-Off Date01 August 2026
Pay ScaleRs 48480 to Rs 85920
Official Websiteiob.bank.in
IOB LBO Recruitment 2026

Important Dates for IOB LBO 2026

EventDate
Notification Released07 August 2026
Online Application Start Date08 August 2026
Last Date for Online Application24 August 2026
Fee Payment Start Date08 August 2026
Fee Payment Last Date24 August 2026
Online Examination DateTo Be Announced
Language Proficiency TestTo Be Announced
Personal Interview DateTo Be Announced
IOB LBO Recruitment 2026

Important Note: The application window is only 17 days. Both the application submission and fee payment must be completed before 24 August 2026. The application fee once deposited will neither be refunded nor adjusted against any other recruitment process.


IOB LBO Vacancy 2026 – State Wise 250 Posts

The 250 Local Bank Officer vacancies under IOB LBO Recruitment 2026 are distributed across four states. Each state requires mandatory proficiency in the respective local language.

StateLocal Language RequiredTotal VacanciesSCSTOBCEWSUR (General)
Tamil NaduTamil1001506330937
KarnatakaKannada500803160419
MaharashtraMarathi500704150519
GujaratGujarati500605160419
Total2503618802294
IOB LBO Recruitment 2026

Key Insight: Tamil Nadu has the highest vacancies with 100 posts, followed by Karnataka, Maharashtra, and Gujarat with 50 posts each. Candidates can apply for only one state based on their local language proficiency. The merit list will be prepared state-wise and category-wise.


Gujarat Vacancy Details with Category Wise Breakdown

Gujarat candidates will be pleased to know that 50 IOB Local Bank Officer vacancies are earmarked for the state. Here is the detailed category-wise breakdown for Gujarat.

CategoryGujarat Vacancies
Unreserved (General)19
OBC (Other Backward Classes)16
Scheduled Caste (SC)06
Scheduled Tribe (ST)05
EWS (Economically Weaker Section)04
Total Gujarat50
IOB LBO Recruitment 2026

Gujarat PwBD Vacancies

PwBD CategoryGujarat Vacancies
Visually Impaired (VI)01
Hearing Impaired (HI)01
Orthopedically Challenged (OC)00
Intellectual Disability (ID)00
Total Gujarat PwBD02
IOB LBO Recruitment 2026

Local Language Requirement for Gujarat

Candidates applying for Gujarat must be proficient in reading, writing, and speaking Gujarati. If you have studied Gujarati as a subject in your 10th or 12th standard, you may be exempt from the Language Proficiency Test. Otherwise, you will need to clear the LPT before final selection.

Selected candidates will be posted within Gujarat and will continue to serve in the state, providing the comfort of working close to home.


PwBD Reservation Details for IOB LBO Recruitment 2026

A total of 12 posts are reserved for Persons with Benchmark Disabilities across all four states.

PwBD CategoryTamil NaduKarnatakaMaharashtraGujaratTotal
Visually Impaired (VI)0100000102
Hearing Impaired (HI)0100000102
Orthopedically Challenged (OC)0102020005
Intellectual Disability (ID)0101010003
Total PwBD0403030212
IOB LBO Recruitment 2026

Note: Some vacancies include backlog vacancies from previous recruitment cycles. PwBD reservation is horizontal, meaning these posts are part of the total state-wise vacancies.


Eligibility Criteria for IOB LBO Recruitment 2026

Educational Qualification

Candidates must possess a Graduation Degree (Bachelor’s Degree) in any discipline from a University recognized by the Government of India, or any equivalent qualification recognized as such by the Central Government. The candidate must possess a valid mark sheet or degree certificate proving they are a graduate on the day of online registration. Candidates must indicate the percentage of marks obtained in graduation while registering online.

Nationality

A candidate must be either a citizen of India, or a subject of Nepal or Bhutan, or a Tibetan refugee who came to India before 1 January 1962, or a person of Indian origin who has migrated from specified countries with the intention of permanently settling in India.

Who Cannot Apply

  • Final year students who have not yet received their graduation results
  • Candidates who cannot demonstrate local language proficiency in the state they are applying for
  • Candidates who do not fall within the prescribed age limit

Age Limit and Relaxation for IOB LBO Recruitment 2026

The age is calculated as on 01 August 2026.

CategoryMinimum AgeMaximum Age
General (UR) and EWS20 Years30 Years
OBC (Non-Creamy Layer)20 Years33 Years (3 years relaxation)
SC and ST20 Years35 Years (5 years relaxation)
PwBD (General)20 Years40 Years (10 years relaxation)
PwBD (SC and ST)20 Years45 Years (15 years relaxation)
PwBD (OBC)20 Years43 Years (13 years relaxation)
Ex-ServicemenAs per Government of India rulesAs per rules
IOB LBO Recruitment 2026

For General and EWS candidates, the date of birth must fall between 02 August 1996 and 01 August 2006 (both dates inclusive).


Local Language Proficiency Requirement for IOB LBO 2026

Since this is a Local Bank Officer recruitment, language proficiency is a critical eligibility component.

StateRequired Language
Tamil NaduTamil
KarnatakaKannada
MaharashtraMarathi
GujaratGujarati
IOB LBO Recruitment 2026

Candidates must be proficient in reading, writing, and speaking the local language of the state they apply for. Those who have studied the local language as a subject in 10th or 12th standard may be exempt from the Language Proficiency Test. Others must clear the LPT as part of the selection process.

Candidates can apply for one state only. The state and category selected during registration cannot be changed after submission.


Application Fee for IOB LBO 2026

CategoryApplication Fee
SC and STRs 175 (Intimation Charges only)
General, OBC, and EWSRs 850 (Application Fee + Intimation Charges)
PwBDRs 175 (Intimation Charges only)
IOB LBO Recruitment 2026

Fee Payment Mode

  • Debit Card
  • Credit Card
  • Net Banking
  • UPI
  • BHIM

The application fee is non-refundable and cannot be adjusted against any other IOB recruitment process.


IOB LBO Salary 2026

The IOB Local Bank Officer post is offered in Junior Management Grade Scale-I (JMGS-I) with an attractive salary structure.

Pay Scale

ComponentDetails
Pay Scale StructureRs 48480-2000/7-62480-2340/2-67160-2680/7-85920
Starting Basic PayRs 48480 per month
Maximum Basic PayRs 85920 per month
IOB LBO Recruitment 2026

Allowances and Benefits

  • Dearness Allowance (DA) as per IBA norms
  • House Rent Allowance (HRA) based on posting city
  • City Compensatory Allowance (CCA)
  • Medical Insurance for self and family
  • Leave Fare Concession (LFC)
  • Provident Fund and Gratuity
  • Pension or National Pension System (NPS)
  • Leave Benefits
  • Other perquisites as per IOB rules

Approximate In-Hand Salary

ComponentApproximate Monthly Amount
Basic PayRs 48480
Dearness Allowance (DA)Rs 25600 (approximate at current rate)
HRARs 7200 to Rs 14500 (city dependent)
Other AllowancesAs per rules
Approximate Gross SalaryRs 80000 to Rs 90000
Approximate In-Hand SalaryRs 65000 to Rs 72000
IOB LBO Recruitment 2026

Service Bond and Probation Details for IOB LBO 2026

DetailInformation
Probation Period2 Years from date of joining
Service Bond AmountRs 2,00,000 (Rupees Two Lakhs)
Minimum Service Period3 Years
Bond TypeFinancial Service Indemnity Bond
IOB LBO Recruitment 2026

Selected candidates must execute a Financial Service Indemnity Bond of Rs 2 lakh mandating a minimum service period of 3 years with Indian Overseas Bank. During the 2-year probation period, their performance, conduct, and suitability will be assessed. Confirmation in service will be governed by the Officers’ Service Regulations (OSR).


Selection Process for IOB Local Bank Officer 2026

The selection for IOB LBO Recruitment 2026 consists of three stages with a clear 80:20 weightage formula between the online exam and interview.

Stage 1 – Online Examination

The online computer-based test is the primary selection stage. It consists of 140 objective questions for 200 marks with a duration of 3 hours. Candidates who meet the minimum qualifying marks will be shortlisted for the next stage.

Stage 2 – Language Proficiency Test (LPT)

Candidates who qualify the online exam will proceed to the Language Proficiency Test, if applicable. This test evaluates the candidate’s ability to read, write, and speak the local language of the state applied for. Candidates who have studied the local language in 10th or 12th may be exempt.

Stage 3 – Personal Interview

Candidates who qualify both the online exam and LPT will be called for a personal interview. The interview carries 100 marks.

Final Merit Calculation

ComponentWeightage
Online Examination80%
Personal Interview20%
Total100%
IOB LBO Recruitment 2026

Qualifying Marks

StageGeneral and EWSReserved (SC, ST, OBC, PwBD)
Online Exam (Aggregate)35%30%
Online Exam (Sectional)No sectional cut-offNo sectional cut-off
Personal Interview50% (50 out of 100)45% (45 out of 100)
IOB LBO Recruitment 2026

The final merit list will be prepared state-wise and category-wise based on the combined 80:20 weighted score.

Key Advantage: There are no sectional qualifying marks in the online exam. Only the aggregate score matters. This means even if you score slightly lower in one section, you can compensate with a higher score in another section.


IOB LBO Exam Pattern 2026

The IOB LBO online examination is the most critical stage carrying 80 percent weightage in the final merit. Here is the detailed exam pattern.

SectionQuestionsMarksTime (Minutes)
Reasoning and Computer Aptitude306060
General Economy Banking Awareness505030
Data Analysis and Interpretation306060
English Knowledge303030
Total140200180
IOB LBO Recruitment 2026

Key Exam Rules

  • Exam Mode: Online Computer Based Test (CBT)
  • Question Type: Objective Multiple Choice Questions (MCQ)
  • Total Questions: 140
  • Total Marks: 200
  • Duration: 180 Minutes (3 Hours)
  • Sectional Timing: Yes – Each section has separate time limit and candidates cannot switch between sections
  • Negative Marking: 0.25 of the marks assigned per question for each wrong answer
  • Unanswered Questions: No penalty
  • Language: English and Hindi (except English Knowledge section which is in English only)

Important Marking Insight

SectionMarks Per QuestionTotal Section Marks
Reasoning and Computer Aptitude2 marks each60
General Economy Banking Awareness1 mark each50
Data Analysis and Interpretation2 marks each60
English Knowledge1 mark each30
IOB LBO Recruitment 2026

Strategy Point: Reasoning and Computer Aptitude (60 marks) and Data Analysis and Interpretation (60 marks) carry 2 marks per question, making them the highest-value sections. Together they account for 120 marks out of 200. These should be your primary focus areas during preparation.


IOB LBO Syllabus 2026

Here is the detailed section-wise syllabus for the IOB LBO Recruitment 2026 online examination.

1. Reasoning and Computer Aptitude (30 Questions, 60 Marks)

  • Seating Arrangements (Linear, Circular, Rectangular)
  • Puzzles (Floor, Box, Scheduling, Age-Based)
  • Blood Relations
  • Direction and Distance
  • Coding and Decoding
  • Inequalities (Coded and Direct)
  • Syllogisms
  • Data Sufficiency
  • Input-Output
  • Logical Reasoning (Statements, Assumptions, Conclusions)
  • Order and Ranking
  • Series (Number and Letter)
  • Computer Fundamentals
  • Networking Basics
  • Operating Systems and MS Office
  • Internet and Cyber Security

2. General Economy Banking Awareness (50 Questions, 50 Marks)

  • Current Affairs (National and International)
  • Banking and Financial Awareness
  • RBI Monetary and Fiscal Policies
  • Financial Institutions (SEBI, NABARD, SIDBI, NHB, IRDA)
  • Government Schemes and Flagship Programs
  • Banking Terminologies (NEFT, RTGS, IMPS, UPI)
  • Indian Economy
  • Union Budget Highlights
  • International Organizations (IMF, World Bank, ADB)
  • Awards, Honours, and Sports
  • Books and Authors
  • Important Days and Events

3. Data Analysis and Interpretation (30 Questions, 60 Marks)

  • Tabular Data Interpretation
  • Bar Graph and Line Graph
  • Pie Chart
  • Radar and Mixed Graphs
  • Caselet Based Data Interpretation
  • Number Series
  • Simplification and Approximation
  • Percentage, Ratio, and Proportion
  • Profit, Loss, and Discount
  • Simple and Compound Interest
  • Time, Speed, and Distance
  • Time and Work
  • Probability
  • Data Sufficiency

4. English Knowledge (30 Questions, 30 Marks)

  • Reading Comprehension
  • Cloze Test
  • Error Detection and Sentence Correction
  • Fill in the Blanks (Single and Double)
  • Sentence Rearrangement and Para Jumbles
  • Vocabulary (Synonyms, Antonyms, Idioms, Phrases)
  • Grammar Usage

Interview Details and Final Merit Weightage for IOB LBO 2026

DetailInformation
Interview Marks100
Qualifying Marks (General and EWS)50% (50 out of 100)
Qualifying Marks (SC, ST, OBC, PwBD)45% (45 out of 100)
Interview Weightage in Final Merit20%
IOB LBO Recruitment 2026

What to Expect in the IOB LBO Interview

  • Questions on banking operations and general banking knowledge
  • Current affairs and economic awareness
  • Communication skills and personality assessment
  • Questions on why you chose banking as a career
  • Questions about your understanding of the Local Bank Officer role
  • Knowledge about the state you applied for (Gujarat, Maharashtra, etc.)
  • Local language assessment (if LPT not conducted separately)

How to Apply Online for IOB LBO Recruitment 2026

Follow these steps to submit your online application for the Indian Overseas Bank Local Bank Officer Recruitment 2026.

Step 1: Visit the official IOB website at iob.bank.in

Step 2: Click on the Careers tab from the homepage

Step 3: Navigate to Recruitment of Local Bank Officers 2026-27

Step 4: Click on the Apply Online tab and start the registration process

Step 5: Register using a valid email ID and mobile number to receive your provisional registration number and password

Step 6: Log in using the registration number or email ID and password or date of birth

Step 7: Fill in all required personal, educational, category, and state preference details carefully

Step 8: Upload the required photograph, signature, left thumb impression, and handwritten declaration as per the specified format

Step 9: Select your preferred state carefully – Gujarat, Tamil Nadu, Karnataka, or Maharashtra. Remember you can apply for one state only and this cannot be changed later

Step 10: Pay the application fee online through Debit Card, Credit Card, Net Banking, UPI, or BHIM

Step 11: Preview all details carefully before final submission

Step 12: Submit the application and download the e-receipt and completed application form for future reference

Critical Warning: The state and category selected during registration cannot be changed after submission. Choose your state wisely based on your local language proficiency. Gujarat candidates must select Gujarat and demonstrate Gujarati language proficiency.


Documents Required for IOB LBO Application 2026

For Online Application Upload

  • Recent Passport Size Photograph (as per specifications)
  • Signature (scanned)
  • Left Hand Thumb Impression (scanned)
  • Handwritten Declaration (as per format in notification)

For Personal Interview and Verification

  • Graduation Degree Certificate and Mark Sheets (all years or semesters)
  • 10th and 12th Mark Sheets (for DOB proof and local language verification)
  • Valid Photo ID Proof (Aadhaar Card, PAN Card, Voter ID, or Passport)
  • Category Certificate (SC, ST, OBC-NCL, EWS) if applicable
  • PwBD Certificate from competent authority if applicable
  • Ex-Servicemen Certificate if applicable
  • Local language proof (10th or 12th mark sheet showing the language as a subject)
  • Recent passport-size photographs (4 to 6 copies)
  • Printed copy of the submitted application form and e-receipt

Important Instructions for Candidates

One State Only Candidates can apply for one state only. Multiple applications for different states or multiple applications for the same state will be rejected.

No Change After Submission The state and category selected during registration cannot be changed after submission under any circumstances.

Fee Non-Refundable The application fee once deposited will neither be refunded nor adjusted against any other recruitment process.

Fill Details Yourself Candidates are advised to fill their particulars online by themselves correctly. IOB will not be responsible for errors made by the candidate.

Posting Within State Selected candidates shall be posted in the applied state only. This is a key advantage of the Local Bank Officer concept.

No Other Application Mode Only online applications through iob.bank.in will be accepted. No applications by post, email, or in person will be entertained.

Fake Recruitment Warning Beware of touts and fake job offers. IOB never asks for money through agents. Apply only through the official website.


Preparation Tips for IOB LBO Exam 2026

With the exam date yet to be announced, start your preparation immediately. Here is a focused strategy.

1. Master Reasoning and Data Analysis First These two sections carry 2 marks per question (60 marks each = 120 marks total). Focus on puzzles, seating arrangements, data interpretation, and number series.

2. Cover Banking Awareness Thoroughly General Economy Banking Awareness has 50 questions for 50 marks. This is the easiest scoring section if you prepare current affairs and banking knowledge regularly.

3. English Language Practice English Knowledge has 30 questions for 30 marks. Focus on reading comprehension, error detection, and cloze tests.

4. No Sectional Cut-Off Advantage Use the fact that there are no sectional cut-offs to your advantage. If you are weak in one section, compensate by scoring higher in your strong sections.

5. Practice Mock Tests with Sectional Timing Each section has a fixed time limit. You cannot switch between sections. Practice under timed conditions to build speed and accuracy.

6. Prepare for Interview from Day One The interview carries 20 percent weightage. Start reading about banking operations, IOB history, and current economic policies alongside exam preparation.


About Indian Overseas Bank

Indian Overseas Bank (IOB) is a leading Public Sector Bank and a Government of India Undertaking with headquarters in Chennai. Established in 1937, IOB has a strong geographical presence all over India and abroad. The bank provides comprehensive banking services including retail banking, corporate banking, digital banking, and international banking.

IOB has a rich legacy of over 87 years and operates thousands of branches across India. The bank’s tagline “Good People to Grow With” reflects its commitment to employee development and career growth. Working as a Local Bank Officer at IOB provides excellent job security, competitive salary, and the unique benefit of being posted within your home state.


Important Links for IOB LBO Recruitment 2026

LinkURL
IOB Official Websitehttps://www.iob.bank.in
Apply Onlinehttps://www.iob.bank.in – Careers Section
Official Notification PDFDownload
IOB LBO Recruitment 2026

FAQs About IOB LBO Recruitment 2026

Q1. How many total vacancies are there in IOB LBO Recruitment 2026?

A total of 250 vacancies for Local Bank Officer (LBO) in JMGS-I have been announced across four states – Tamil Nadu (100), Karnataka (50), Maharashtra (50), and Gujarat (50) under Advertisement Number HRDD/RECT/02/2026-27.

Q2. How many vacancies are available for Gujarat in IOB LBO 2026?

Gujarat has 50 vacancies with the category-wise distribution being UR 19, OBC 16, SC 6, ST 5, and EWS 4. Two PwBD posts (1 VI and 1 HI) are also available within the Gujarat quota.

Q3. What is the last date to apply for IOB LBO Recruitment 2026?

The last date to apply online and complete fee payment is 24 August 2026 through the official IOB website at iob.bank.in.

Q4. What is the educational qualification required?

Candidates must have a Graduation Degree in any discipline from a University recognized by the Government of India. No specific percentage or work experience is required. Fresh graduates can apply.

Q5. What is the IOB LBO exam pattern?

The online exam consists of 140 MCQ questions for 200 marks in 3 hours with sectional timing. The four sections are Reasoning and Computer Aptitude (30Q, 60M, 60 min), General Economy Banking Awareness (50Q, 50M, 30 min), Data Analysis and Interpretation (30Q, 60M, 60 min), and English Knowledge (30Q, 30M, 30 min).

Q6. What is the salary for IOB Local Bank Officer?

The pay scale is Rs 48480 to Rs 85920 in JMGS-I. The approximate in-hand salary is Rs 65000 to Rs 72000 per month including DA, HRA, CCA, and other allowances.

Q7. Is there a service bond for IOB LBO?

Yes, selected candidates must execute a Financial Service Indemnity Bond of Rs 2 lakh mandating a minimum service period of 3 years with Indian Overseas Bank.

Q8. What is the application fee?

The fee is Rs 850 for General, OBC, and EWS candidates and Rs 175 for SC, ST, and PwBD candidates. The fee is non-refundable.

Q9. Can I apply for more than one state?

No, candidates can apply for only one state. The state selected during registration cannot be changed after submission. Choose based on your local language proficiency.

Q10. What is the final merit weightage formula?

The final merit is calculated using 80 percent weightage for the Online Examination and 20 percent for the Personal Interview. The merit list is prepared state-wise and category-wise.

IOB LBO Recruitment 2026


Final Words

The IOB LBO Recruitment 2026 is a golden opportunity for graduates across Gujarat, Tamil Nadu, Karnataka, and Maharashtra to secure a prestigious bank officer position with Indian Overseas Bank. With 250 vacancies in JMGS-I and a unique home-state posting guarantee, this is one of the most candidate-friendly bank officer recruitments currently available.

Gujarat candidates have 50 dedicated posts with clear category-wise reservation. The exam pattern with 140 questions for 200 marks and no sectional cut-offs makes this exam approachable for well-prepared candidates. Focus your preparation on Reasoning and Data Analysis (120 marks combined at 2 marks per question) and Banking Awareness (50 marks) for maximum impact.

Apply before 24 August 2026 on iob.bank.in. Select Gujarat as your state, demonstrate Gujarati language proficiency, and prepare for the online exam that carries 80 percent weightage in the final selection. The in-hand salary of approximately Rs 65000 to Rs 72000 per month with all the benefits of a PSU bank officer makes this career both financially rewarding and professionally fulfilling.

For more bank recruitment notifications, government job updates, results, and answer keys, keep visiting gccjobinfo.com.

IOB LBO Recruitment 2026

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