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Indian Overseas Bank SO 2025: Exam Pattern & Syllabus
Indian Overseas Bank SO 2025: Exam Pattern & Syllabus
Indian Overseas Bank SO 2025: Exam Pattern
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The IOB SO online examination consists of 100 objective-type questions for a total of 100 marks.
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For each correct answer, 1 mark will be awared and there is negative marking, 1/4th of the mark will be deducted for each incorrect answer
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The objective test will last for 2 hours, with separate section times for each section.
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There will be sectional qualifying marks with 30% for reserved candidates and 35% for unreserved candidates.
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Topics
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Total No. of Questions
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Total Marks
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Time Duration
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English Language
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25
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25
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30 minutes
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General Awareness with Special Reference to the Banking Industry
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25
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25
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30 minutes
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Professional Knowledge
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50
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50
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60 minutes
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Total
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100
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100
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120 minutes
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IOB SO English Language: Syllabus
The English section in the Indian Overseas Bank SO Syllabus checks the candidate’s ability to understand and use the language effectively. Key topics include:
- Reading Comprehension
- Vocabulary (Synonyms, Antonyms)
- Grammar Usage (Tenses, Prepositions, Articles)
- Spotting Errors
- Sentence Rearrangement
- Cloze Test
- Para Jumbles
- Fill in the Blanks
- Idioms and Phrases
- Active and Passive Voice
IOB SO General Awareness Syllabus
The IOB SO Syllabus for General Awareness is designed to evaluate candidates’ knowledge of current events and banking awareness. Major topics include:
- Indian Economy & Economic Policies
- RBI Functions, Guidelines, and Monetary Policies
- Banking Regulations and Acts
- Financial Institutions in India
- Current Affairs (National & International)
- Recent Banking Mergers and Acquisitions
- Budget and Economic Survey Highlights
- Important Banking Terms and Abbreviations
- Government Schemes linked to Banking and Finance
Indian Overseas Bank SO Professional Knowledge Syllabus
The Professional Knowledge part of the Indian Overseas Bank SO Syllabus 2025 is the most important. It tests subject-specific expertise depending on the post applied for.
| Role | Topics Covered |
| IT Officers / Software Engineers | Computer Networks, Operating Systems, and Databases; Programming Languages (C, C++, Java, .NET, Python); Cyber Security and Information Security; Cloud Computing and Data Engineering; Artificial Intelligence, Machine Learning, Data Science Basics; Software Development Life Cycle (SDLC), RPA, Automation |
| Risk / Credit / Treasury Officers | Financial Statement Analysis; Risk Management in Banking; Treasury and Forex Management; Credit Appraisal and Credit Risk; Basel Norms and Banking Regulations; Corporate Finance and Capital Markets; NPA Management and Recovery |
| Engineering Officers (Civil, Electrical, Automobile, Printing, Architect) | Civil/Structural Engineering Basics; Electrical Circuits and Maintenance; Automobile Engineering Concepts; Printing Technology Principles; Architectural Design and Planning |
| Data Science & Data Engineer Roles | Statistics, Probability, and Data Interpretation; Data Modeling and Warehousing; Python/R for Data Science; Machine Learning Algorithms; Big Data and Cloud Platforms; Data Visualization and Analytics Tools |
IOB SO Probation and Bond Agreement
Selected candidates under the Indian Overseas Bank SO Recruitment 2025 will be placed on a probation period of 2 years, during which their performance and suitability for the role will be evaluated. Along with this, candidates are required to execute a Financial Service Indemnity Bond of ₹2,50,000 to serve the bank for a minimum of 3 years. Failure to complete the bond period may attract financial liability as per the rules of the bank.
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Probation Period: Selected candidates will be on probation for 2 years of active service.
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Bond Requirement: Candidates must execute a Financial Service Indemnity Bond of ₹2,50,000 for a minimum service period of 3 years.
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