INDIAN OVERSEAS BANK
 (A Govt. of India Undertaking)
 Central Office, 763, Anna Salai, Chennai – 600002
 www.iob.in
 Good People to Grow with
 Advt. No.: HRDD/RECT/02/2026-27

Highlights of the advertisement are given below, for complete details visit: https://www.iob.bank.in/documents/d/guest/lbo-final-ad-2026-27
The last date to apply online is: 24.08.2026

RECRUITMENT OF LOCAL BANK OFFICER 2026-27 

Indian Overseas Bank, a leading Public Sector Bank with headquarters in Chennai having geographical presence all over India and abroad invites online applications for recruitment against 250 Vacancies for Local Bank Officers in JMGS - I. The selected candidate shall be posted in the applied state only.

Post: Local Bank Officer (LBO)
State wise number of posts:
Tamil Nadu: 01
Language: Tamil
Gujarat: 01
Language: Gujarati

Total no. of posts: 02 for Visually Impaired

Scale of Pay (In Rupees): Basic: 48480-2000/7-62480-2340/2-67160-2680/7-85920

PROBATION PERIOD: Candidates selected will be on probation for a period of 2 years (active service) from the date of joining the Bank. Their confirmation in Bank’s service will be as determined by the Bank in
terms of Officers’ Service Regulation (OSR).

BOND AMOUNT
Candidates selected for appointment will be required to execute a Financial Service Indemnity
Bond for Rs.2,00,000/- (Rupees Two lakhs) for rendering service for a minimum period of 3 years.

Candidates should be proficient (reading, writing and speaking) in the desired local language
of the state (as per the table above). Shortlisted candidates who have not studied the local language of the state for which they are applying either in their 10th or 12th standard will be required to appear for a Local Language Proficiency Test as part of the selection process, prior to the Personal Interview. Candidates who fail to qualify in the test will not be considered for further selection process.

Age: 20-30 years
Educational Qualification: A Degree (Graduation) in any discipline from a University recognized by the Govt. Of India or any equivalent qualification recognized as such by the Central
Government.
The candidate must possess valid Mark-sheet / Degree Certificate that he/ she is a graduate on the day he / she registers and indicate the percentage of marks obtained in Graduation while registering online. 

Age relaxation: 10 years

RESERVATION FOR PERSONS WITH BENCHMARK DISABILITIES (PWBD)
Under section 34 of “The Rights of Persons with Disabilities Act, 2016,” persons with benchmark
disabilities are eligible for Reservation. The post is identified suitable for the Persons under categories
of disabilities as defined in the Schedule of RPWD Act 2016 and notified by the Department of Empowerment of Persons with Disabilities (Divyangjan) from time to time. The reserved categories of disabilities mentioned under this Act are namely:

 Visual Impairment (“VI” Category): Only those Visually Impaired (VI) persons who suffer from any one of the following conditions, after best correction, are eligible to apply.
a. Blindness:
i. Total absence of sight; OR
ii. Visual acuity less than 3/60 or less than 10/200 (Snellen) in the better eye with best possible correction; OR
iii. Limitation of the field of vision subtending an angle of less than 10 degrees. OR
b. Low Vision:
i. Visual acuity not exceeding 6/18 or less than 20/60 up to 3/60 or up to 10/200 (Snellen) in the better eye with best possible corrections; OR
ii. Limitation of the field of vision subtending an angle of less than 40 degrees up to 10 degrees.

Only those persons with benchmark disabilities would be eligible for reservation. “Benchmark disability” means a person with not less than 40% of a specified disability where specified disability has not been defined in measurable terms and includes the persons with disability, where disability has been defined in a measurable terms, as certified by the certifying authority

A person who wants to avail benefit of reservation will have to submit a disability certificate issued by a Competent Authority as per Government of India guidelines. Such certificate will be subject to verification/ re-verification as may be decided by the competent authority, at any point during the process or thereafter.

The allocation of reserved vacancies for the persons with benchmark disabilities will be as prescribed in the “The Rights of Persons with Disabilities Act, 2016” and as per actual vacancies.

PwBD candidates may be subjected to verification/authentication of their Unique Disability Identity (UDID) Card and Disability Certificate through the UDID Portal and/or
the concerned State issuing authority. Where considered necessary, the Bank may require the candidate to undergo medical examination/re-assessment by a Medical Board or any other competent authority to verify the authenticity of the disability certificate, the disability condition, percentage of disability, and the suitability of the candidate with reference to the functional requirements of the post.

In terms of Office Memorandum No. 18-25/2024-Policy dated 17.12.2025 issued by Department of Empowerment of Persons with Disabilities (Divyangjan), Ministry of Social Justice and Empowerment, Govt. of India, PwBD candidates possessing a disability certificate having the disability condition prescribed as “likely to improve” under temporary disability category, are not eligible for reservation. Whereas the PwBD candidates with disability Conditions i.e. “Progressive, non-progressive or not likely to improve” are treated eligible for reservation

LEAVE, TRAVEL ALLOWANCE
The leave and travel allowance will be as per Service Rules of the Bank applicable at the time of appointment.

SELECTION PROCESS
Selection will be made based on an Online Examination followed by Language Proficiency Test (LPT) and Personal Interview. Candidates qualifying in the Online Examination would be called for Language Proficiency Test (LPT) (in case if the candidates not studied specified local language in 10th or 12th Standard) and candidates qualifying in online exam and LPT (wherever applicable) will be called for Personal Interview. Merely satisfying the eligibility norms do not entitle a candidate to be called for Online Examination/ Language Proficiency Test (LPT)/ Personal Interview.

Language Proficiency Test:
The candidate must have Proficiency (reading, writing and speaking) in the Local Language of the
State applied for. Candidates shortlisted for the Personal Interview will be required to qualify Language Proficiency test, failing which they will not be allowed to appear for Personal Interview and thus their candidature will not be considered for further selection process.
However, candidates who produce 10th or 12th standard marksheet/ certificate evidencing having studied the specified local language of the applied State as one of the subjects will not be required to undergo the language proficiency test.

) Go through the detailed advertisement by clicking the Advertisement (English) available under the title “RECRUITMENT OF LOCAL BANK OFFICERS - 2026-27” in our website www.iob.bank.in under “Careers” page and ensure candidate’s eligibility before applying for the said post

Scan their photograph and signature ensuring that both the photograph and signature adhere to the required specifications as given in Annexure I to this advertisement.

Candidates are first required to go to the Bank's website “www.iob.bank.in” and click on he "Careers" Page to open the link “Recruitment of Local Bank Officers – 2026-27” and select the post to be applied then click on the Register Online link.

Application Fee / Intimation Charges (Non-Refundable) : INR 175/- (Rupees One Hundred SeventyFive Only) inclusive of GST

Payment by Online Mode
Candidates who have submitted the Online Application successfully may proceed for payment of intimation charges through Online Mode. The payment can be made using Debit Card/ Credit Card/ Internet Banking/ BHIM / UPI, etc.
On successful completion of the transaction, an e-receipt will be generated. Candidates are required to take a printout of the e-receipt for future reference.
Please note that the above procedure is the only valid procedure for applying. No other mode of application or incomplete steps would be accepted and such applications would be rejected.
Any information submitted by an applicant in his / her application shall be binding on the candidate personally and he/she shall be liable for prosecution / civil consequences in case the information / details furnished by him/her are found to be false at a later stage. 

Guidelines for Persons with Benchmark Disabilities using the services of a Scribe 
The visually impaired candidates and candidates whose writing speed is adversely affected permanently for any reason can use their own scribe at their cost during the online examination. In all such cases where a scribe is used, the following rules will apply:
 The candidate will have to arrange his / her own scribe at his/her own cost.
 The scribe arranged by the candidate should not be a candidate for the online examination under this recruitment process.
 The qualification of the scribe should be one step below the qualification of the candidate taking examination.
 Both the candidate as well as scribe will have to give a suitable undertaking confirming that the scribe fulfils all the stipulated eligibility criteria for a scribe mentioned above.
Further in case it later transpires that he/she did not fulfil any laid down eligibility criteria or suppressed material facts the candidature of the applicant will stand cancelled,
irrespective of the result of this recruitment process.
 Those candidates who use a scribe shall be eligible for compensatory time of 20 minutes or otherwise advised for every hour of the examination. 
The scribe arranged by the candidate should not be a candidate for the online examination under this recruitment process. If violation of the above is detected at any stage of the process, candidature for this recruitment process of both the candidate and the scribe will be cancelled. Candidates eligible for and who wish to use the services of a scribe in the examination should invariably carefully indicate the same in the online
application form. Any subsequent request may not be favourably entertained.
 Only candidates registered for compensatory time will be allowed such concessions since compensatory time given to candidates shall be system based, it shall not be possible for the test conducting agency to allow such time if he / she is not registered for the same. Candidates not registered for compensatory time shall not be allowed such concessions.
During the exam, at any stage, if it is found that scribe is independently answering the questions, the exam session will be terminated and candidate’s candidature will be cancelled. The candidature of such candidates using the services of a scribe will also be cancelled, if it is reported after the examination by the test administrator personnel that the scribe independently answered the questions. 

Guidelines for Visually Impaired (VI) candidates
 Visually Impaired candidates (who suffer from not less than 40% of disability) may opt to view the
contents of the test in magnified font and all such candidates will be eligible for compensatory time
of 20 minutes for every hour or otherwise advised of examination.
 The facility of viewing the contents of the test in magnifying font will not be available to Visually
Impaired candidates who use the services of a Scribe for the examination.

The Examination will be conducted at various centers across in India. The list of Examination centers is available in Annexure I.