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Banking Exam Pattern 2026: Prelims & Mains Exam Pattern for All Major Exams

Not sure how much time to devote to each section of your target banking exam in 2026? Review the exam patterns of IBPS PO, IBPS Clerk, SBI PO, SBI Clerk, IBPS RRB PO, IBPS RRB Clerk, RBI Grade B and LIC AAO to understand their paper structures, marks distribution, sectional time limits and selection stages before setting your preparation priorities.
authorImageMehjabeen Hussain13 Oct, 2026
Banking Exams in India

Managing English, Reasoning and Quantitative Aptitude can become difficult when you are unsure which sections to prioritise or how much time each section allows. The challenge increases when you compare IBPS PO, IBPS Clerk, SBI PO, SBI Clerk, IBPS RRB PO, IBPS RRB Clerk, RBI Grade B and LIC AAO, as their examination structures and selection stages differ.

PW’s bank exam preparation batches help you practise key subjects through classes, recorded lessons, questions and mock tests. Use the exam pattern of your target post to set study priorities, practise within sectional time limits and focus on areas that need improvement.

IBPS PO Exam Pattern 2026: Prelims and Mains

The IBPS Probationary Officer (PO) selection process generally includes Prelims, Mains and an interview. Prelims assesses English Language, Quantitative Aptitude and Reasoning Ability, while Mains tests these core skills alongside banking awareness and data interpretation.

IBPS PO Prelims Exam Pattern

 

Section

Questions

Maximum Marks

Duration

Medium

English Language

30

30

20 minutes

English

Quantitative Aptitude

35

30

20 minutes

English and Hindi

Reasoning Ability

35

40

20 minutes

English and Hindi

Total

100

100

60 minutes

—

The examination has 100 questions carrying 100 marks, with a total duration of 60 minutes. As each section has its own time limit, practise each subject separately under timed conditions. Avoid spending too long on one question at the expense of easier questions later in the section.

IBPS PO Mains Exam Pattern

 

Section

Questions

Maximum Marks

Duration

Medium

Reasoning

40

60

50 minutes

English and Hindi

General, Economy, Banking and Financial Awareness

35

50

25 minutes

English and Hindi

English Language

35

40

40 minutes

English

Data Analysis and Interpretation

35

50

45 minutes

English and Hindi

Objective Total

145

200

160 minutes

—

IBPS PO Descriptive Paper

The descriptive paper assesses written communication in English. The format may include an essay and other writing tasks, depending on the applicable examination pattern.

Component

Questions

Maximum Marks

Duration

Descriptive Paper

2

25

30 minutes

Prepare for descriptive writing separately from objective questions. Practise organising your ideas, writing clearly and checking grammar within a time limit. Confirm the exact tasks, marks and duration in the applicable IBPS PO notification.

IBPS Clerk Exam Pattern 2026: Prelims and Mains

The IBPS Clerk recruitment, also known as Customer Service Associate (CSA) recruitment, generally consists of Prelims and Mains. The examination tests English, numerical ability, reasoning and general or financial awareness.

IBPS Clerk Prelims Exam Pattern

 

Section

Questions

Maximum Marks

Duration

English Language

30

30

20 minutes

Numerical Ability

35

30

20 minutes

Reasoning Ability

35

40

20 minutes

Total

100

100

60 minutes

Each section has a separate time limit. Practise questions under timed conditions to improve speed while maintaining accuracy.

IBPS Clerk Mains Exam Pattern

 

Section

Questions

Maximum Marks

Duration

General/Financial Awareness

40

50

20 minutes

General English

40

40

35 minutes

Reasoning Ability

40

60

35 minutes

Quantitative Aptitude

35

50

30 minutes

Total

155

200

120 minutes

The number of questions, marks and time allocation can change between recruitment cycles. Check the relevant IBPS CSA notification before relying on these figures.

IBPS RRB Clerk Exam Pattern 2026: Prelims and Mains

The IBPS Regional Rural Bank (RRB) Office Assistant examination assesses reasoning, numerical ability and other subjects at the Mains stage. Its structure differs from the IBPS Clerk examination, so prepare according to the requirements of your chosen post.

IBPS RRB Clerk Prelims Exam Pattern

 

Section

Questions

Maximum Marks

Duration

Reasoning

40

40

25 minutes

Numerical Ability

40

40

20 minutes

Total

80

80

45 minutes

You have 45 minutes in total, divided between the two sections. Practise both subjects under timed conditions to become comfortable with the different time limits.

IBPS RRB Clerk Mains Exam Pattern

 

Section

Questions

Maximum Marks

Duration

Reasoning

40

50

30 minutes

Computer Knowledge

40

20

15 minutes

General Awareness

40

40

15 minutes

English Language or Hindi Language

40

40

30 minutes

Numerical Ability

40

50

30 minutes

Total

200

200

120 minutes

The language-paper choice and permitted examination languages depend on the applicable recruitment rules. Check the latest notification to confirm the available options and any regional requirements.

IBPS RRB PO Exam Pattern 2026: Prelims and Mains

The IBPS RRB Officer Scale I examination generally includes Prelims, Mains and an interview. Prelims tests Reasoning and Quantitative Aptitude, while Mains adds awareness, computer knowledge and a language paper.

IBPS RRB PO Prelims Exam Pattern

The preliminary examination contains two sections and a total of 80 questions.

Section

Questions

Maximum Marks

Duration

Reasoning

40

40

25 minutes

Quantitative Aptitude

40

40

20 minutes

Total

80

80

45 minutes

The separate time limits require you to balance logical problem-solving with numerical calculations. Use timed practice to identify question types that take longer and improve your approach to each section.

IBPS RRB PO Mains Exam Pattern

 

Section

Questions

Maximum Marks

Duration

Reasoning

40

50

30 minutes

Computer Knowledge

40

20

15 minutes

General Awareness

40

40

15 minutes

English Language or Hindi Language

40

40

30 minutes

Quantitative Aptitude

40

50

30 minutes

Total

200

200

120 minutes

If you qualify the required stages, you may proceed to an interview. The shortlisting criteria and final selection method depend on the relevant recruitment notification. Although the RRB PO and RRB Clerk examinations share several subjects, their selection processes differ.

SBI PO Exam Pattern 2026: Prelims and Mains

The State Bank of India Probationary Officer examination generally includes Prelims, Mains and further selection stages. Its Mains structure differs from the IBPS PO pattern, making SBI-specific practice important.

SBI PO Prelims Exam Pattern

 

Section

Questions

Maximum Marks

Duration

English Language

30

30

20 minutes

Quantitative Aptitude

35

30

20 minutes

Reasoning Ability

35

40

20 minutes

Total

100

100

60 minutes

Practise within the section-wise time limits to improve both speed and accuracy. Check the applicable SBI PO notification for the final pattern and examination instructions.

SBI PO Mains Exam Pattern

 

Section

Questions

Maximum Marks

Duration

Reasoning and Computer Aptitude

40

60

50 minutes

Data Analysis and Interpretation

30

60

45 minutes

General Awareness/Economy/Banking Knowledge

60

60

45 minutes

English Language

40

20

40 minutes

Objective Total

170

200

3 hours

SBI PO Descriptive Paper

The descriptive component assesses written communication and may include emails, reports, situation analysis and précis writing, depending on the applicable pattern.

Component

Questions

Maximum Marks

Duration

Descriptive Paper

3

50

30 minutes

Practise writing concise, organised responses and completing tasks within the time limit. Check the current SBI PO notification for the exact format and evaluation rules.

SBI PO Further Selection Stages

If you qualify the required examination stages, you may be called for a Group Exercise and Interview, as specified in the recruitment notification. Check the notification for the applicable marks, qualifying requirements and final selection weightage for your recruitment cycle.

SBI Clerk Exam Pattern 2026: Prelims and Mains

The SBI Clerk examination, also known as Junior Associate recruitment, generally includes Prelims and Mains. Its core subjects overlap with IBPS Clerk, but the Mains structure and time allocation differ.

SBI Clerk Prelims Exam Pattern

 

Section

Questions

Maximum Marks

Duration

English Language

30

30

20 minutes

Numerical Ability

35

30

20 minutes

Reasoning Ability

35

40

20 minutes

Total

100

100

60 minutes

Use sectional mock tests to practise answering within the allotted time. Build a separate strategy for each section instead of spending too long on one type of question.

SBI Clerk Mains Exam Pattern

 

Section

Questions

Maximum Marks

Duration

General/Financial Awareness

50

50

35 minutes

General English

40

40

35 minutes

Quantitative Aptitude

50

50

45 minutes

Reasoning Ability and Computer Aptitude

50

60

45 minutes

Total

190

200

160 minutes (2 hours 40 minutes)

You should also check the recruitment notification for the Local Language Proficiency Test and the conditions under which it applies. This requirement is separate from the objective examination.

RBI Grade B Exam Pattern 2026: Phase I, Phase II and Interview

The RBI Grade B selection process generally consists of Phase I, Phase II and an interview. Unlike PO and Clerk examinations, it places greater emphasis on economic and social issues, finance, management and written communication.

RBI Grade B Phase I Exam Pattern

 

Section

Questions

Maximum Marks

Duration

General Awareness

80

80

25 minutes

Reasoning Ability

60

60

45 minutes

English Language

30

30

25 minutes

Quantitative Aptitude

30

30

25 minutes

Total

200

200

120 minutes (2 hours)

General Awareness carries the highest number of questions in this pattern. Alongside current affairs, prepare relevant economic, banking and financial topics. Practise Reasoning within its allotted time rather than relying only on the overall duration.

RBI Grade B Phase II Exam Pattern

 

Paper

Components

Duration

Maximum Marks

Paper I: Economic and Social Issues

Objective and descriptive

120 minutes

100

Paper II: English Writing Skills

Descriptive

90 minutes

100

Paper III: General Finance and Management

Objective and descriptive

120 minutes

100

Total

Three papers

330 minutes

300

The ESI and FM papers may contain separate objective and descriptive components. The exact question counts, time split and permitted language or typing options should be confirmed in the applicable RBI notification.

Paper

Objective Component

Descriptive Component

Economic and Social Issues

30 questions; 50 marks

6 questions, of which 4 are to be attempted; 50 marks

English Writing Skills

Not applicable

3 questions; 100 marks

General Finance and Management

30 questions; 50 marks

6 questions, of which 4 are to be attempted; 50 marks

RBI Grade B Interview

If you qualify Phase II, you may be called for an interview. The interview marks, qualifying requirements and final selection criteria depend on the relevant RBI Grade B recruitment notification.

LIC AAO Exam Pattern 2026: Prelims and Mains

The Life Insurance Corporation of India (LIC) Assistant Administrative Officer examination differs from bank PO and Clerk examinations. Alongside reasoning and numerical skills, it assesses insurance and financial-market awareness. The exact structure depends on the post and recruitment notification.

LIC AAO Prelims Exam Pattern

 

Section

Questions

Maximum Marks

Duration

Reasoning Ability

35

35

20 minutes

Quantitative Aptitude

35

35

20 minutes

English Language

30

30*

20 minutes

Total

100

100

60 minutes

Confirm whether English marks contribute to the merit score and check the applicable category-wise qualifying requirements in the latest LIC AAO notification.

The treatment of qualifying sections and the minimum marks required can differ by recruitment cycle. Check the notification before using category-wise thresholds or calculating your expected score.

LIC AAO Mains Exam Pattern

 

Section

Questions

Maximum Marks

Duration

Reasoning Ability

30

90

40 minutes

General Knowledge/Current Affairs

30

60

20 minutes

Data Analysis and Interpretation

30

90

40 minutes

Insurance and Financial Market Awareness

30

60

20 minutes

Objective Total

120

300

120 minutes (2 hours)

The complete LIC AAO pattern may include additional papers or qualifying requirements depending on the post and recruitment cycle. Check the notification for the specific category, such as Generalist or Specialist, before relying on this table as the complete examination structure.

PW offers bank exam preparation batches with live classes, recorded lectures, practice questions and mock tests to support your preparation. Use timed tests to identify weak areas and practise under exam-like conditions. Before relying on any question count, mark allocation or selection requirement, check the latest official notification for your chosen recruitment cycle.

 

FAQs

What is the common exam pattern for banking exams?

Many bank PO and Clerk examinations include Prelims and Mains. However, the number of stages, subjects, questions, marks and time limits vary by recruiting organisation and post. RBI Grade B uses Phase I and Phase II, followed by an interview.

Which banking exams have Prelims and Mains?

IBPS PO, IBPS Clerk/CSA, IBPS RRB PO, IBPS RRB Clerk, SBI PO and SBI Clerk generally have Prelims and Mains. RBI Grade B uses Phase I and Phase II, while LIC AAO follows the stages specified in its recruitment notification.

Are IBPS PO and SBI PO exam patterns the same?

No. Both generally have Prelims and Mains, but their Mains section structures, question counts, marks and time allocations differ. Their subsequent selection stages should also be checked separately.

What is the difference between IBPS Clerk and SBI Clerk exam patterns?

Both generally have Prelims and Mains, with English, numerical skills, reasoning and awareness among their core areas. However, the number of questions, sectional timings and Mains structure can differ. SBI Clerk recruitment may also require a Local Language Proficiency Test, as specified in its notification.
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