Indian Overseas Bank, Local Bank Officer (LBO) Recruitment 2026 - Apply Online

Indian Overseas Bank (IOB) Local Bank Officer Recruitment 2026 :
Indian Overseas Bank (IOB) has released the IOB Local Bank Officer Recruitment 2026-27 notification for the recruitment of 250 Local Bank Officers (LBO) in the Junior Management Grade Scale-I, JMGS-I cadre. The recruitment is being conducted through Advertisement No. HRDD/RECT/02/2026-27, dated 07 August 2026. Eligible candidates with a graduation degree in any discipline can apply online for the IOB Local Bank Officer Vacancy 2026-27.
The online application process will begin on 08 August 2026 and the last date to submit the application form is 24 August 2026. Candidates must apply through the official Indian Overseas Bank website and select only one state for which they satisfy the prescribed local language requirement.

Indian Overseas Bank (IOB) Local Bank Officer Recruitment 2026 Overview :
Recruiting Organisation: Indian Overseas Bank, IOB.
Post Name: Local Bank Officer, LBO.
Advertisement Number: HRDD/RECT/02/2026-27.
Total Vacancies: 250 posts.
Grade: Junior Management Grade Scale-I, JMGS-I.
Application Mode: Online.
Application Start Date: 08 August 2026.
Last Date to Apply: 24 August 2026.
Job Location: The state selected by the candidate.
Selection Process: Online Examination, Language Proficiency Test where applicable, and Personal Interview.
Official Website: iob.bank.in.

Indian Overseas Bank (IOB) Local Bank Officer Recruitment 2026 State-Wise Details :
Indian Overseas Bank has announced 250 Local Bank Officer vacancies across four states. Candidates must apply for only one state and should possess proficiency in the mandatory local language specified for that state.
Tamil Nadu: 100 vacancies. Mandatory local language is Tamil.
Karnataka: 50 vacancies. Mandatory local language is Kannada.
Maharashtra: 50 vacancies. Mandatory local language is Marathi.
Gujarat: 50 vacancies. Mandatory local language is Gujarati.
Total: 250 vacancies.
The vacancies are distributed state-wise and category-wise. Reservation benefits for SC, ST, OBC, EWS and other eligible categories will be provided according to the applicable Government of India rules. The number of vacancies is provisional and may change according to the actual requirements of the bank.

Indian Overseas Bank (IOB) Local Bank Officer Recruitment 2026 Educational Qualification :
Candidates interested in the IOB Local Bank Officer Recruitment 2026-27 must fulfil the prescribed educational qualification before submitting the online application.
Candidates should possess a Bachelor's Degree in any discipline from a recognised university.
An equivalent qualification recognised by the Central Government is also acceptable.
Candidates must possess a valid mark sheet or degree certificate confirming their graduation qualification on the date of registration.
Candidates will be required to enter their graduation percentage while completing the online application.
The qualification must be completed within the prescribed eligibility conditions mentioned in the official notification.
Candidates should carefully verify their educational qualification before applying because applications submitted without meeting the prescribed eligibility criteria may be rejected.

Local Language Proficiency for Indian Overseas Bank (IOB) Local Bank Officer Recruitment 2026 :
Local language proficiency is an important eligibility requirement for the Local Bank Officer post.
Candidates applying for Tamil Nadu vacancies must know Tamil.
Candidates applying for Karnataka vacancies must know Kannada.
Candidates applying for Maharashtra vacancies must know Marathi.
Candidates applying for Gujarat vacancies must know Gujarati.
Candidates who have studied the relevant local language in Standard X or Standard XII may be exempted from appearing in the Language Proficiency Test.
Candidates who have not studied the applicable local language in Standard X or Standard XII must qualify in the Language Proficiency Test before proceeding to the Personal Interview.
Candidates who fail the Language Proficiency Test will not be considered for further selection.

Indian Overseas Bank (IOB) Local Bank Officer Recruitment 2026 Age Limit :
The prescribed age limit for the Local Bank Officer post is calculated as on 01 August 2026.
Minimum Age: 20 years.
Maximum Age: 30 years.
Candidates should have been born not earlier than 02 August 1996 and not later than 01 August 2006.
SC and ST candidates are eligible for a maximum age relaxation of 5 years.
OBC, Non-Creamy Layer candidates are eligible for 3 years of relaxation.
Persons with Benchmark Disabilities may receive age relaxation of up to 10 years, subject to applicable rules.
Persons affected by the 1984 riots may receive 5 years of relaxation.
Eligible ex-servicemen and commissioned officers may receive relaxation as prescribed in the notification.
Candidates should verify their date of birth and category before applying.

Indian Overseas Bank (IOB) Local Bank Officer Recruitment 2026 Application Fee 2026:
Candidates are required to pay the prescribed application fee or intimation charges during the online application process.
General, EWS and OBC candidates: ₹850, inclusive of GST.
SC, ST and PwBD candidates: ₹175, inclusive of GST, as intimation charges.
The fee can be paid through Debit Card, Credit Card, Internet Banking, UPI or BHIM.
The application fee is non-refundable.
Once paid, the fee cannot be transferred or adjusted against another recruitment process.
Candidates should retain the fee payment receipt for future reference.

Indian Overseas Bank (IOB) Local Bank Officer Recruitment 2026 Salary 2026 :
Selected candidates will be appointed in the JMGS-I, Scale-I cadre and will receive salary and allowances according to the applicable bank rules.
Basic Pay Scale: ₹48,480 to ₹85,920.
The salary structure includes periodic increments according to the prescribed scale.
Selected candidates will also receive Dearness Allowance, House Rent Allowance, City Compensatory Allowance and other applicable benefits.
Other allowances and benefits will be governed by the rules of Indian Overseas Bank.
Eligible candidates with previous officer-level experience in a Scheduled Commercial Bank may receive an advance increment, subject to the conditions specified by IOB.
The advance increment is subject to matching of the previous job profile with that of a Scale-I Generalist Officer.

Indian Overseas Bank (IOB) Local Bank Officer Recruitment 2026 Selection Process 2026 :
The IOB Local Bank Officer selection process consists of multiple stages designed to assess the candidate's reasoning ability, banking knowledge, data interpretation, English knowledge and suitability for the position.

Online Examination :
The online examination consists of four sections.
Reasoning and Computer Aptitude: 30 questions carrying 60 marks, with 60 minutes allotted.
General, Economy and Banking Awareness: 40 questions carrying 40 marks, with 30 minutes allotted.
Data Analysis and Interpretation: 30 questions carrying 60 marks, with 60 minutes allotted.
English Knowledge: 40 questions carrying 40 marks, with 30 minutes allotted.
Total: 140 questions and 200 marks.
Total Examination Duration: 3 hours.
Reasoning, Computer Aptitude, General Awareness, Banking Awareness, Data Analysis and Interpretation are conducted in English and Hindi, as applicable.
The English section is conducted in English.
There is a negative marking of 0.25 marks for every incorrect answer.
No marks are deducted for unanswered questions.
The minimum qualifying aggregate is 35 percent for unreserved candidates and 30 percent for reserved category candidates.

Language Proficiency Test :
Candidates who have not studied the required local language in Standard X or Standard XII must appear for the Language Proficiency Test.
The test assesses the candidate's ability to read, write, speak and understand the applicable local language.
Candidates must qualify in the LPT before proceeding to the Personal Interview.
Failure to qualify in the LPT will result in elimination from the recruitment process.

Personal Interview :
Shortlisted candidates will be called for a Personal Interview.
The Personal Interview carries 100 marks.
Unreserved candidates must secure at least 50 percent marks.
Reserved category candidates must secure at least 45 percent marks.
The interview assesses the candidate's suitability, communication skills, knowledge and overall personality.

Final Merit List :
The final selection will be based on the combined performance in the Online Examination and Personal Interview.
Online Examination weightage is 80 percent.
Personal Interview weightage is 20 percent.
The final merit list will be prepared state-wise and category-wise.
Candidates must secure the prescribed minimum aggregate marks to be considered for final selection.

Indian Overseas Bank (IOB) Local Bank Officer Recruitment 2026 Probation and Service Bond :
Selected Local Bank Officers will be required to complete a probation period and comply with the service bond conditions.
The probation period is two years of active service from the date of joining.
Selected candidates must execute a Financial Service Indemnity Bond of ₹2,00,000.
The bond requires the officer to render a minimum of three years of service as specified in the recruitment notification.
Candidates should carefully understand the bond conditions before accepting the appointment.

Indian Overseas Bank (IOB) Local Bank Officer Recruitment 2026 Job Location and State Posting :
The Local Bank Officer recruitment has been designed for state-specific banking operations.
Candidates can apply for only one state.
Selected candidates will initially be posted within the state for which they applied.
The state posting condition will continue for the first 12 years of service or until promotion to SMGS-IV, whichever occurs earlier.
Candidates should therefore select the state carefully while completing the online application.
A candidate who applies for one state cannot apply for another state under the same recruitment process.

Documents Required for Indian Overseas Bank (IOB) Local Bank Officer Recruitment 2026 :
Candidates shortlisted for the Personal Interview must produce the required original documents along with photocopies.
Valid Personal Interview call letter.
System-generated online application form.
Proof of date of birth.
Class X certificate or valid birth certificate.
Graduation mark sheets and degree certificate.
Proof of local language qualification where applicable.
Valid photo identity proof such as Aadhaar, PAN, Passport, Driving Licence or Voter's Card.
Caste certificate for SC, ST and OBC candidates, where applicable.
EWS Income and Asset Certificate, where applicable.
PwBD certificate in the prescribed format, where applicable.
Relevant work experience certificates, appointment letters, relieving letters and salary slips, if applicable.
No Objection Certificate for candidates working in Government, PSU, bank or other applicable organisations.

How to Apply for Indian Overseas Bank (IOB) Local Bank Officer Recruitment 2026 :
Eligible candidates can apply online by following the steps below.
Visit the official Indian Overseas Bank website.
Open the Careers or Recruitment section.
Find the notification titled Recruitment of Local Bank Officers, 2026-27.
Read the detailed notification carefully before starting the registration.
Click on the online registration link.
Complete the initial registration by entering the required personal details.
Note the system-generated Registration Number and Password.
Log in using the registration credentials.
Fill in the application form with accurate personal, educational and other required information.
Select only one state for which the candidate is eligible.
Upload the photograph, signature, left thumb impression and handwritten declaration in the prescribed format.
Verify every detail before submitting the application.
Pay the applicable application fee or intimation charges through the available online payment methods.
Complete the registration process.
Download and print the submitted application form.
Preserve the fee payment receipt and application form for future use.

Indian Overseas Bank (IOB) Local Bank Officer Recruitment 2026 Important Dates 2026 :
Notification Date: 07 August 2026.
Online Application Start Date: 08 August 2026.
Online Application Last Date: 24 August 2026.
Fee Payment Period: 08 August 2026 to 24 August 2026.
Examination and Personal Interview dates will be announced separately by Indian Overseas Bank.
Important Instructions for IOB LBO Applicants
Candidates should submit only one application for one state.
Multiple applications for the same state may result in only the last submitted application being considered.
Candidates must ensure that all information entered in the application form is correct.
The application fee is non-refundable.
Applications submitted after 24 August 2026 will not be accepted.
Candidates must satisfy the local language requirement for the state selected.
Ration Card and Learner's Driving Licence are not accepted as valid photo identity documents where the notification excludes them.
Candidates working in Government, PSU, bank or other applicable organisations must produce an NOC at the Personal Interview.
Requests for changing the examination centre or interview centre will generally not be entertained.
Candidates should regularly visit the official IOB website for examination call letters, interview schedules and other recruitment updates.
Candidates should keep copies of the application form, payment receipt and uploaded documents safely until completion of the recruitment process.

Indian Overseas Bank (IOB) Local Bank Officer Recruitment 2026 Examination Centres :
The online examination will be conducted at various examination centres across India. Centres are expected to include major cities in the states covered under the recruitment.
Tamil Nadu centres include Chennai, Madurai, Coimbatore and Tiruchirappalli.
Karnataka centres include Bengaluru, Hubli-Dharwad and Mysuru.
Maharashtra centres include Mumbai, Thane, Navi Mumbai, Pune and Nagpur.
Gujarat centres include Ahmedabad, Gandhinagar, Surat and Rajkot.
The bank may add, remove or reassign examination centres depending on the number of applicants and administrative requirements.