Punjab & Sind Bank Recruitment 2025: Golden Opportunity for 190 Credit & Agriculture Manager Posts

Are you dreaming of a prestigious banking career with excellent growth prospects? The Punjab & Sind Bank has just announced a game-changing recruitment opportunity that could transform your professional journey. With 190 specialist officer positions available in Credit Manager and Agriculture Manager roles, this recruitment drive offers one of the most attractive packages in the banking sector today.

Why This Recruitment Matters for Your Career

Punjab & Sind Bank, a respected Government of India undertaking, has opened doors to exciting career opportunities that combine job security with professional growth. In today’s competitive job market, banking positions remain among the most sought-after career choices, offering stability, prestige, and excellent earning potential.

The timing couldn’t be better for aspiring bankers. With the banking sector experiencing robust growth and increasing demand for skilled professionals, these 190 positions represent a significant opportunity to establish yourself in one of India’s most stable industries.

Key Details at a Glance

Organization: Punjab & Sind Bank (Government of India Undertaking)
Total Vacancies: 190 Posts
Positions Available: Credit Manager (130 posts) and Agriculture Manager (60 posts)
Grade: MMGS II (Middle Management Grade Scale II)
Application Mode: Online Only
Application Start Date: September 19, 2025
Last Date to Apply: October 10, 2025
Official Website: punjabandsindbank.co.in

Download the Official Notification

Detailed Vacancy Distribution

The 190 positions are strategically distributed to ensure equal opportunities across all categories:

Credit Manager (130 Posts):

• Scheduled Caste (SC): 19 posts
• Scheduled Tribe (ST): 9 posts
• Other Backward Classes (OBC): 35 posts
• Economically Weaker Section (EWS): 13 posts
• Unreserved (UR): 54 posts

Agriculture Manager (60 Posts):

• Scheduled Caste (SC): 9 posts
• Scheduled Tribe (ST): 4 posts
• Other Backward Classes (OBC): 16 posts
• Economically Weaker Section (EWS): 6 posts
• Unreserved (UR): 25 posts

Additionally, positions are reserved for Persons with Disabilities (PWD) across various categories, demonstrating the bank’s commitment to inclusive employment.

Attractive Salary Package: Your Financial Future Secured

One of the most compelling aspects of this recruitment is the exceptional compensation package. The MMGS II pay scale ranges from ₹64,820 to ₹93,960, following the structure: ₹64,820-2340/1-67160-2680/10-93960.

What This Means for Your Monthly Income

Your starting basic salary will be ₹64,820, with automatic annual increments. After the first year, you’ll receive an increment of ₹2,340, raising your basic pay to ₹67,160. For the subsequent ten years, you’ll enjoy annual increments of ₹2,680.

Additional Benefits and Allowances

Beyond the attractive basic salary, you’ll receive numerous allowances that significantly boost your total compensation:

• Dearness Allowance (DA): Revised quarterly based on inflation
• House Rent Allowance (HRA): Varies by posting location (metro/non-metro)
• City Compensatory Allowance (CCA): Additional compensation for high-cost cities
• Medical Benefits: Comprehensive healthcare coverage
• Leave Travel Concession (LTC): Annual travel benefits
• Terminal Benefits: Retirement and provident fund contributions

The total in-hand salary typically ranges between ₹80,000 to ₹1,00,000 monthly, depending on your posting location and applicable allowances.

Eligibility Requirements: Are You Qualified?

Age Criteria (as of September 1, 2025)

• Minimum Age: 23 years
• Maximum Age: 35 years
• Date of Birth Range: September 2, 1990, to September 1, 2002 (both inclusive)

Age Relaxation Benefits

The bank provides generous age relaxations for various categories:

• SC/ST candidates: 5 years
• OBC candidates: 3 years
• Persons with Disabilities: 10 years
• Ex-servicemen: 5 years
• 1984 riot-affected persons: 5 years

Educational Qualifications

For Credit Manager Position:

• Graduation in any discipline with minimum 60% marks (55% for SC/ST/OBC/PWD)
• OR Professional qualifications like CA/CMA/CFA/MBA (Finance) from recognized institutions
• Essential Experience: Minimum 3 years post-qualification experience as Branch Manager, Credit Appraisal, or Processing in Scheduled Commercial Banks

For Agriculture Manager Position:

• Bachelor’s degree in Agriculture/Horticulture/Dairy/Animal Husbandry/Forestry/Veterinary Science/Agriculture Engineering/Pisciculture with minimum 60% marks (55% for SC/ST/OBC/PWD)
• Essential Experience: Minimum 3 years post-qualification experience in relevant fields as an officer in Scheduled Commercial Banks

Important Eligibility Notes

• Candidates must maintain a healthy credit history with minimum CIBIL score of 650
• Current Punjab & Sind Bank employees are not eligible
• Experience certificates must be submitted at application time
• Candidates terminated or removed from previous employment are ineligible

Selection Process: Your Path to Success

The recruitment follows a systematic three-stage selection process designed to identify the best candidates:

Stage 1: Online Written Test

• Total Questions: 100
• Total Marks: 100
• Duration: 105 minutes

Subject-wise Distribution:

• English Language: 20 questions (20 marks, 15 minutes)
• General Awareness: 20 questions (20 marks, 30 minutes)
• Professional Knowledge: 60 questions (60 marks, 60 minutes)

Qualifying Criteria:

• General & EWS categories: 40% in each section
• Reserved categories: 35% in each section

Stage 2: Screening Process

Based on written test performance, candidates will be shortlisted for the interview stage.

Stage 3: Personal Interview

• Weightage: 30% of final selection
• Written Test Weightage: 70% of final selection
• Interview Location: New Delhi (unless specified otherwise)

Note: The bank reserves the right to waive the written test at its discretion.

Job Responsibilities: What You’ll Be Doing

Credit Manager Roles

• Customer relationship management and acquisition
• Credit operations and risk assessment
• Sales and business development
• Branch management and operations
• Loan processing and approval workflows
• Compliance with banking regulations

Agriculture Manager Roles

• Customer relationship management in rural sectors
• Promoting and managing agriculture finance
• Facilitating government schemes related to agriculture
• Rural branch management and operations
• Agricultural loan assessment and monitoring
• Farmer education and financial literacy programs

Application Process: Step-by-Step Guide

How to Apply Successfully

1. Visit the Official Website: Go to punjabandsindbank.co.in
2. Navigate to Recruitment Section: Click on the relevant notification link
3. Complete Online Registration: Fill all required details accurately
4. Upload Documents: Ensure all scanned documents meet specified requirements
5. Pay Application Fee: Complete payment through online mode only
6. Take Printout: Save and print your application form for future reference

Application Fees

• General/EWS/OBC Candidates: ₹850 + applicable taxes + gateway charges
• SC/ST/PWD Candidates: ₹100 + applicable taxes + gateway charges

Document Requirements

• Recent passport-size photograph
• Scanned signature and thumb impression
• Educational certificates and mark sheets
• Experience certificates
• Category certificates (if applicable)
• Identity proof documents

Examination Centers: Convenient Locations Across India

The written examination will be conducted at multiple centers across India, ensuring accessibility for candidates nationwide. Major examination centers include:

Northern Region: Delhi, Chandigarh, Gurugram, Faridabad, Lucknow, Kanpur
Western Region: Mumbai, Pune, Ahmedabad, Surat, Vadodara
Southern Region: Bengaluru, Chennai, Hyderabad, Kochi, Coimbatore
Eastern Region: Kolkata, Bhubaneswar, Guwahati, Patna
Central Region: Bhopal, Indore, Nagpur, Raipur

Note: The bank reserves the right to add or cancel examination centers based on response and administrative feasibility.

Career Growth and Prospects

Professional Development Opportunities

• Specialist cadre positions with clear promotion pathways
• Inter-state transfer opportunities
• Postings in controlling offices (Zonal/Head Office)
• Special branch assignments (Currency Chest, Regional Rural Banks)
• Training and skill development programs

Service Commitment

Selected candidates must sign a service bond equivalent to 3 months’ gross salary with a minimum service period of 2 years. This ensures job security while providing the bank with committed professionals.

Preparation Strategy: Your Road to Success

Study Plan Recommendations

1. Professional Knowledge: Focus on banking, finance, and agriculture-related topics
2. General Awareness: Stay updated with current affairs, especially banking and economic news
3. English Language: Practice grammar, vocabulary, and reading comprehension
4. Mock Tests: Take regular practice tests to improve speed and accuracy

Time Management Tips

• Allocate specific time slots for each subject
• Practice previous years’ question papers
• Join online test series for better preparation
• Focus on weak areas while maintaining strengths

Important Dates to Remember

• Application Start: September 19, 2025
• Last Date to Apply: October 10, 2025
• Written Test: To be announced
• Interview: To be announced
• Final Result: To be announced

All updates will be published on the official website. Candidates should regularly check for any corrigendum or changes.

Pro Tips for Success

Application Phase

• Apply early to avoid last-minute technical issues
• Double-check all entered information before submission
• Keep multiple payment options ready
• Maintain consistent signatures across all documents

Examination Preparation

• Create a realistic study schedule and stick to it
• Focus on high-weightage topics in professional knowledge
• Practice time management through mock tests
• Stay updated with latest banking developments

Interview Preparation

• Research Punjab & Sind Bank’s history, values, and recent initiatives
• Prepare for questions about your experience and career goals
• Practice common banking interview questions
• Develop clear examples demonstrating your skills and achievements

Frequently Asked Questions (FAQ)

Q1: Can I apply for both Credit Manager and Agriculture Manager positions?
A: No, candidates can apply for only one position. Choose based on your educational background and experience.

Q2: Is work experience mandatory for both positions?
A: Yes, minimum 3 years of relevant post-qualification experience in scheduled commercial banks is mandatory for both positions.

Q3: What happens if I don’t meet the CIBIL score requirement?
A: A minimum CIBIL score of 650 is mandatory at the time of joining. Candidates must ensure they meet this requirement before final selection.

Q4: Can current bank employees from other banks apply?
A: Yes, employees from other banks can apply, but they must produce a No Objection Certificate from their current employer during the interview.

Q5: Is there negative marking in the written test?
A: The notification doesn’t specify negative marking details. Candidates should refer to the official exam instructions for complete information.

Your Next Steps: Take Action Now

This Punjab & Sind Bank recruitment represents a golden opportunity to build a rewarding career in banking. With attractive salary packages, comprehensive benefits, and excellent growth prospects, these positions are highly competitive.

Immediate Action Items:

1. Review eligibility criteria carefully to ensure you qualify
2. Gather all required documents and get them scanned in proper format
3. Start your preparation focusing on professional knowledge relevant to your chosen position
4. Apply online as soon as possible to avoid last-minute issues
5. Create a study plan and begin systematic preparation for the written test

Success Mantra

Remember, banking careers offer not just financial stability but also social prestige and opportunities to contribute meaningfully to economic development. Your preparation today determines your success tomorrow.

The application window closes on October 10, 2025. Don’t let this opportunity slip away – start your application process today and take the first step toward a prestigious banking career with Punjab & Sind Bank.

With proper preparation, dedication, and the right approach, you can successfully navigate this recruitment process and secure one of these coveted positions. The banking sector awaits talented professionals like you – make your mark in this dynamic industry.

Apply now and transform your career prospects with Punjab & Sind Bank!