The IOB LBO Expected Cut Off 2026 has been updated for the online examination based on the exam level observed on 24 September 2026. The latest expected estimate provides state-wise UR cut-off marks, with Tamil Nadu at 160 marks and Karnataka, Maharashtra, and Gujarat at 163 marks, with an expected variation of approximately ±3 marks. Since the examination is being conducted in multiple shifts, these expected cutoff marks may change after the remaining shifts.
The IOB LBO Cut Off 2026 will be released state-wise and category-wise by Indian Overseas Bank after the selection process. For the 2025–26 cycle, the cut-off includes both the online exam cut-off out of 200 marks and the final aggregate cut-off out of 100 marks. For reference, the previous cycle’s West Bengal General (UR) cut-off was 157.50 marks in the written exam and 80.60 in the final aggregate.
For the new 2026–27 recruitment, IOB has announced 250 Local Bank Officer vacancies, with applications open from 8th to 24 August 2026. Candidates can refer to the previous-year cutoff trends along with the latest expected cutoff to assess their performance and understand the likely competition level.
Check the IOB LBO Cut off and exam overview below:
| Detail | Information |
| Conducting Bank | Indian Overseas Bank (IOB) |
| Post Name | Local Bank Officer (LBO) |
| Cut Off Released On | 16th April 2026 |
| Exam Type | Online Computer-Based Test |
| Total Exam Marks | 200 Marks (Written) |
| Final Aggregate | Out of 100 (Written + Interview) |
| Selection Stages | Online Exam, LPT, Personal Interview |
| New Recruitment (2026-27) | 250 Vacancies (Application: 8-24 Aug 2026) |
| Official Website | iob.bank.in/en/ |
The IOB LBO Expected Cut Off 2026 has been updated for the online examination stage based on the exam level observed on 24 September 2026. The estimate is given out of 200 marks and currently covers the UR category for the four states included in the 2026–27 recruitment.
The expected cutoff has been estimated by considering important factors such as the number of vacancies, exam difficulty and shift-wise paper level. It should be treated only as a prediction and not as the final official cutoff.
| State | Expected Cutoff (UR Category) | Expected Range (+/- 3 Marks) |
| Tamil Nadu | 160 | 157–163 |
| Karnataka | 163 | 160–166 |
| Maharashtra | 163 | 160–166 |
| Gujarat | 163 | 160–166 |
Note: The above IOB LBO expected cutoff is a prediction based on the exam level observed on 24 September 2026. The IOB LBO examination is being conducted in multiple shifts, with the remaining shifts scheduled for 29 September 2026. Therefore, the expected cutoff may change once the remaining shifts are completed. These marks should not be treated as official cutoff marks.
The available expected estimate is specifically for the UR category and online examination out of 200 marks. Separate category-wise expected figures for SC, ST, OBC and EWS have not been provided in the latest expected-cutoff data.
The IOB LBO expected cutoff gives candidates an indicative benchmark of the marks that may be required in the online examination. The current estimate places Tamil Nadu at around 160 marks, while Karnataka, Maharashtra and Gujarat are estimated around 163 marks, with a possible variation of about three marks.
These figures are useful for evaluating your performance after the exam, but they should not be confused with the official qualifying cutoff that IOB will publish later. The final cutoff will depend on factors such as the difficulty level across shifts, number of candidates, vacancies, category and overall performance.
The IOB LBO cut off 2026 is the minimum score a candidate must secure to qualify at each stage of the selection process. The cut-off is not a single number. It operates at three distinct levels, and clearing all three is mandatory to make the final merit list.
Knowing these three thresholds helps you set realistic targets instead of guessing.
Before diving into the numbers, it helps to understand how marks are split across IOB LBO selection stages. The final placement depends on both your written exam performance and your interview score.
| Stage | Weightage |
| Online Written Examination | 80% |
| Personal Interview | 20% |
| Final Aggregate (out of 100) | Combined Score |
Candidates must qualify each stage independently. Scoring well in the written exam but poorly in the interview can still result in disqualification.
The IOB LBO previous year cut off for the online exam is the most direct indicator of the competition level you should prepare for. The written exam was conducted for 200 marks across four sections. The table below shows the state-wise and category-wise cut-off marks for the 2025-26 recruitment cycle.
Two important notes before you read the table: IOB LBO Cut-offs vary significantly by state depending on the number of vacancies and the total candidates who appeared. West Bengal and Punjab consistently recorded the highest cut-offs in the General category.
| State | UR (General) | OBC | EWS | SC | ST |
| West Bengal | 157.50 | 145.25 | 145.50 | 148.50 | 116.00 |
| Punjab | 157.00 | 146.25 | 151.75 | 144.50 | 93.50 |
| Maharashtra | 156.25 | 153.25 | 153.00 | 151.75 | 139.25 |
| Odisha | 155.25 | 149.25 | 150.50 | 143.50 | 131.50 |
| Tamil Nadu | 153.00 | 150.50 | 98.75 | 140.25 | 73.25 |
| Gujarat | 149.50 | 142.75 | 142.75 | 141.00 | 130.00 |
| State | VI | HI | OC | ID |
| Punjab | 111.50 | – | – | – |
| Maharashtra | – | 138.50 | 132.25 | – |
| Odisha | 113.75 | – | – | – |
| Tamil Nadu | 134.00 | 114.25 | 103.50 | 96.75 |
| West Bengal | 87.50 | – | – | – |
| Gujarat | 100.75 | – | – | – |
Clearing the IOB LBO overall cut-off alone is not enough. Every candidate must also secure the minimum qualifying marks in each individual section of the online exam. Missing even one section means disqualification, regardless of your total score.
The IOB LBO sectional cut-offs are set at 35% for UR and EWS candidates and 30% for reserved categories. Here are the exact marks:
| Section | Max Marks | UR / EWS Cut-Off | SC / ST / OBC / PwBD Cut-Off |
| Reasoning and Computer Aptitude (RC) | 60 | 34.25 | 23.75 |
| General / Economy / Banking Awareness (GE) | 40 | 3.25 | 2.00 |
| Data Analysis and Interpretation (DA) | 60 | 30.00 | 20.00 |
| English Knowledge (EK) | 40 | 14.75 | 10.50 |
Key Takeaway: Data Analysis and Reasoning carry the highest marks (60 each). Prioritize these sections in your preparation to clear sectional cut-offs comfortably.
The IOB LBO final cut off combines the written exam score (80% weightage) and the interview score (20% weightage) into an aggregate out of 100. This is the last filter before the merit list is published.
The table below shows the IOB LBO final aggregate cut-off 2025 state-wise and category-wise. Study these carefully because your interview performance can make or break your selection even after clearing the written exam.
| State | UR (General) | OBC | EWS | SC | ST |
| West Bengal | 80.60 | 75.90 | 75.90 | 75.50 | 66.10 |
| Punjab | 79.90 | 77.00 | 75.80 | 76.20 | 63.10 |
| Maharashtra | 79.40 | 78.30 | 78.30 | 77.90 | 72.00 |
| Odisha | 79.10 | 78.10 | 77.40 | 73.40 | 70.40 |
| Tamil Nadu | 78.60 | 77.70 | 66.20 | 74.20 | 56.90 |
| Gujarat | 76.90 | 73.90 | 75.40 | 74.20 | 67.90 |
| State | VI | HI | OC | ID |
| Punjab | 78.90 | – | – | – |
| Maharashtra | – | 76.20 | 71.70 | – |
| Odisha | 61.90 | – | – | – |
| Tamil Nadu | 74.10 | 57.70 | 74.00 | 52.70 |
| West Bengal | 75.80 | – | – | – |
| Gujarat | 60.50 | – | – | – |
Pattern Observation: West Bengal recorded the highest final aggregate cut-off (80.60 for UR), making it the most competitive state. Tamil Nadu ST category had the lowest cut-off at 56.90, reflecting fewer vacancies claimed by that group.
Based on the IOB LBO 2025-26 cut-off trends, here is a practical safe score guide for the upcoming 2026-27 cycle. These are targets to aim for in your preparation, not guaranteed cut-offs.
| Category | Safe Score to Target |
| UR (General) | 160+ |
| OBC | 150+ |
| EWS | 148+ |
| SC | 145+ |
| ST | 120+ (state dependent) |
| Category | Safe Score to Target |
| UR (General) | 80+ |
| OBC / EWS | 76+ |
| SC | 74+ |
| ST | 65+ (state dependent) |
The IOB LBO cut off 2026-27 will not be identical to the previous year. Several factors push the cut-off up or down each cycle. Understanding these gives you a realistic picture of what to prepare for.
The official IOB LBO cut-off PDF and scorecard are available on the Indian Overseas Bank careers portal. Follow these steps to access your score and check the official cut-off directly.
Tip: Bookmark the IOB Careers page and check it regularly. Cut-off PDFs are usually uploaded without separate announcements on social media.
A fresh IOB LBO recruitment notification for 2026-27 was released on 7th August 2026 at iob.in. Here are the key details at a glance:
| Detail | Information |
| Total Vacancies | 250 Posts |
| States Covered | Tamil Nadu, Karnataka, Maharashtra, Gujarat |
| Application Start Date | 8th August 2026 |
| Application End Date | 24th August 2026 |
| Age Limit (as on 01.08.2026) | 20 to 30 Years |
| Eligibility Cut-Off Date | 1st August 2026 |
| Basic Pay | Rs. 48,480 to Rs. 85,920 |
| Probation Period | 2 Years |
The cut-off for this new cycle will be released only after the exam and selection process is completed. The IOB LBO expected cutoff available at present is only a prediction based on the exam level observed in the initial 24 September shift(s). Candidates should keep in mind that the remaining 29 September shifts can affect the final cutoff trend.
The IOB LBO Cut Off 2026 is expected to vary across states and categories based on vacancies, competition and the difficulty level of the examination. The latest IOB LBO Expected Cut Off 2026 provides an indicative benchmark for the online exam, but candidates should remember that these are only predicted figures and may change after all shifts are conducted. Candidates can use the previous-year cutoff, sectional qualifying marks and expected cutoff together to assess their performance and understand the level of competition. For the latest updates, cutoff trends, exam analysis and preparation resources, candidates can regularly follow PracticeMock and stay updated with the official IOB announcements.
| IOB LBO Notification 2026 | IOB LBO Syllabus |
| IOB LBO Salary | IOB LBO Exam Date |
| IOB LBO General Awareness Questions | IOB LBO Last Minute Tips |
Yes. The IOB LBO Cut Off 2026 for the 2025-26 cycle was officially released on 16th April 2026 along with the scorecard at iob.in. Candidates can download the state-wise and category-wise cut-off PDF from the official portal.
UR and EWS candidates must score at least 34.25 in Reasoning, 3.25 in General Awareness, 30.00 in Data Analysis, and 14.75 in English. Clearing all four IOB LBO sectional cut-offs is mandatory along with the overall cut-off.
West Bengal recorded the highest IOB LBO cut-off in the 2025-26 cycle. The UR category online exam cut-off for West Bengal was 157.50 out of 200, and the final aggregate cut-off was 80.60 out of 100.
Yes. The IOB LBO cut off varies state-wise and category-wise based on vacancies, applicants, and exam difficulty. Each state has a separate cut-off for UR, OBC, EWS, SC, ST, and PwBD categories.
The latest available IOB LBO expected cutoff estimate for the UR category is around 160 for Tamil Nadu and 163 for Karnataka, Maharashtra and Gujarat, with an expected variation of approximately ±3 marks. These are predicted marks based on the exam level observed on 24 September 2026 and are not official cut-off marks. The remaining shifts on 29 September may lead to changes in the expected range.
No. The IOB LBO expected cutoff is only a prediction based on factors such as vacancies and the exam level observed in the conducted shifts. The official IOB LBO cutoff will be released by Indian Overseas Bank after the relevant selection stage.
For the UR category in the IOB LBO online exam, the current expected estimate is 160 for Tamil Nadu, 163 for Karnataka, 163 for Maharashtra and 163 for Gujarat, with an approximate ±3 marks variation.
Yes. The current IOB LBO expected cutoff is based on the exam level observed on 24 September 2026, while the remaining shifts are scheduled for 29 September. Changes in shift difficulty and overall candidate performance may affect the final expected range.
The IOB LBO cutoff is based on various key factors such as state-wise vacancies, total number of candidates appearing shift-wise, exam level across shifts, category-wise competition and overall candidate performance.
In this blog, we have given the state-wise IOB LBO previous year cut off along with sectional and final aggregate cut-off marks.
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