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Junior Associates is an entry level position for clerks in Banks. Almost every year Institute of Banking Personnel Selection (IBPS) recruits Junior Associates (Clerks). It is a good starting option for candidates who want to progress their career in Public Sector Banks.

Please note: The clerical exams are a subset of PO exams (i.e preparation for PO exams will also cover the syllabus of clerical exam) and we recommend that you apply for both the exams.


Presently, the starting basic pay is Rs.11,765 in the scale of 11765-655/3-13730-815/3-16175-980/4-20095-1145/7-28110-2120/1-30230-1310/1-31450. The official will also be eligible for D.A. and other allowances and perquisites as per rules in force from time to time. The total starting emoluments in hand per month can be a minimum of Rs. 19,500 and a maximum of Rs. 23,600 depending on place of posting and other factors.


The total indicative vacancies in IBPS-clerk 2019-20 are 12,075. Unlike Probationary Officer (PO) vacancies, Clerical vacancies are released state wise. Candidates can apply for vacancies of only one state. The candidates applying for vacancies of a particular state, should be proficient (reading, writing, speaking and understanding) in the specified opted local language of that state.

Exam date and registration:

In 2019, the registration period was September-October. The exams were conducted between December 2019 and January 2020.

Essential Academic Qualifications:

Graduation in any discipline from a recognised university or any equivalent qualification recognised as such by the central government. Those who are in the final year/ semester of their graduation may also apply provisionally subject to the condition that, if called for interview, they will have to produce proof of having passed the graduation examination on or before a specified date.

Age and number of attempts:

General candidates should not be - below 20 years and above 28 years. There are provisions for category based age relaxation according to existing government norms. There is no limit to the number of attempts.

Any eligible candidate, who aspires to join one of the participating banks in IBPS as a Junior Associate, is required to register online for the recruitment process. The application fees for general candidates is Rs. 600 and for reserved category candidates is Rs. 100.

To know about the procedure and exam in detail, you can click on the link given below.

IBPS Clerk 2020 Official Notification

The examination will be held in 2 phases i.e. Preliminary examination and Main examination. There is an optional 3rd phase (Local Language Proficiency Test). The candidates who are shortlisted after Preliminary examination will have to appear for Main examination. The candidates shortlisted after the main examination will be called for local language Proficiency Test in third phase if they do not have the local language in their 10th or 12th board exams mark sheet. Those who have successfully qualified the local language test in their board exams are exempted from this Phase 3.

Phase-I: Preliminary examination:

Preliminary Examination consisting of Objective Test for 100 marks is conducted. The test contains 3 sections (with separate timings for each section). The mode of exam is online. The questions are in English and Hindi both (except for English Language Section). All questions carry equal marks. There is negative marking for wrong answers (1/4th of total marks allotted for that question).

Preliminary exam pattern (2019)

Section No. of questions Maximum Marks Duration
English Language 30 30 20 mins
Numerical Ability 35 35 20 mins
Reasoning Ability 35 35 20 mins
Total 100 100 60 mins

Candidates have to qualify in each of the three tests by securing cut-off marks to be decided by IBPS. State and category wise merit list is drawn on the basis of aggregate marks scored in this exam. From each state, normally candidates numbering approximately 10 times the number of vacancies in that state are shortlisted for the main examination.

Phase – II: Main Examination:

Main Examination consists of Objective tests for 200 marks. The Objective test is online. The questions in Objective test are in English and Hindi both (except English Language). All questions are of 1 mark except Reasoning section where differential marking is employed. There is negative marking for wrong answers in the Objective test (1/4th of total marks allotted for that question). The objective test of 2 hours 40 mins duration consists of 4 sections for total 200 marks.

Main Objective Exam pattern (2019)

Section No. of questions Maximum Marks Duration
General/Financial Awareness 50 50 35 mins
General English 40 40 35 mins
Reasoning Ability & Computer Aptitude 50 60 45 mins
Quantitative Aptitude 50 50 45 mins
Total 190 200 2 hours 40 mins

On the basis of Phase II marks, candidates are ranked and placed state wise. Candidates, who are not qualified in local language as per the board exams, are required to go for Phase III.

Phase – III: Test of specified opted local language

There would be a test for the opted local language. Failing this test would disqualify the candidate. (Those who had successfully passed the opted local language in Class 10th and 12th would be exempted from this test)

Final selection

The marks obtained in the Preliminary examination (Phase-I) are not added for preparing the final merit list for selection. Marks of Phase II are the basis of final selection on condition that Phase III is clear. Marks of Phase II are scaled to 100 for preparing the final list. The final list is released according to the vacancies in each state and each category.

Candidates should realise that to perform in competitive exams such as IBPS-Clerk, they should be good at both concepts and application. Rather than going through concepts from various sources, one should concentrate on a single resource for conceptual clarity. Once concepts are clear, practicing regularly is key to performing well in competitive exams like these. We have provided playlists of important concept lectures below. Candidates can take help of these lectures from Meritshine to strengthen their fundamentals for this exam.

Our Free Resources (click on the links below for accessing the relevant content)

Lectures for Objective Paper (Prelims and Mains):-

Our Paid Programs

While we do not conduct a separate program for IBPS clerk exam, our other paid course such as IBPS PO is designed on similar lines and we recommend them to the aspirants for all such exams. Look out and register for these programs for a more intensive preparation..

Since IBPS selects students state-wise for clerk vacancies, the cut-offs of each state are different. The cut-offs for 2019 have been released state-wise, category-wise. The cut-offs differ every year, according to the competition and the paper’s difficulty level. One year's cut-off is in no way predictive of subsequent years' cut-offs.

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