The most difficult Indian bank exams

Banks in India are not just well-known for their financial services and customer support, but they also stand out as a highly sought-after career option—especially for those who value job security, steady growth, and a healthy work-life balance. One of the key attractions of a banking career is the structured schedule, which includes a generous number of holidays throughout the year.

Bank employees enjoy regular weekends off, in addition to national holidays, state-specific festivals, and other special observances. These holidays not only allow professionals to rest and recharge but also help them stay connected with cultural and traditional values that often get overlooked in today’s fast-paced lifestyle. In many ways, bank holidays serve as reminders of important events, festivals, and historical milestones that might otherwise be forgotten.

The structured leave policies and fixed working hours make the banking sector especially appealing to those who are looking for a balanced professional and personal life. Whether it’s spending quality time with family, pursuing hobbies, or simply taking a break from the daily routine, bank employees have the advantage of time on their side.

The article will let you have the details of the top difficult bank exams in India. Note that the competition level also matters a lot, which makes things quite hard for the aspirants. With an intent to test a candidate’s caliber, knowledge, and problem-solving skills, the exams follow a specific exam format and procedure. 

To know the best exams for you to join the banking sector, you can come in contact with the best Bank Po Coaching. The experts of the institute will give you the best carer counseling and then, let you know the best ways to approach the preps. 

The most difficult Indian bank exams:

Start reading the bank exams in India that are known for their difficulty. 

Reserve Bank of India (RBI) Exams

Working in RBI has been a dream for many candidates. But the RBI exams, especially the RBI Grade B, are popular for the difficulty levels that are unparalleled. As of now, the commission conducts the exam sticking to an exam procedure consisting of the Preliminary, Mains, and Interview exam procedures. 

A very huge candidate crowd appears for the preliminary exam and very few of them appear for the second round after selection, and then, further, only a few get selected for the job. This filtration of the candidates is done wisely according to their performances and quota. 

What remains quite difficult in the RBI Mains is the necessity to study the evaluation of economic and finance management. The exams focus on these sections and also, those who update themselves with the right knowledge quickly benefit. 

A huge throng appearing forthe exams conducted for only a few seats in the bank makes the exam quite popular. In addition to this, they also have to manage their time management skills as well to finish the exam on time. 

Why it’s tough?

• Three-phase selection: Prelims, Mains, and Interview.
• High difficulty level in Economic & Social Issues (ESI), Finance & Management (FM), and General Awareness (GA).
• Descriptive papers (English & Economic topics) in Mains.
• Extremely high competition (few hundred vacancies among lakhs of applicants).

State Bank of India (SBI) Exams

Like the RBI, SBI also conducts the exams for multiple positions and two of the most famous posts are SBI PO and SBI clerk. Candidates in India await the notification of the exams and quickly fill up the form. Their preps for the exams start right from their college days. 

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Again, the SBI sticks to the procedure that is followed by RBI, i.e. Preliminary, Mains, and Interview stage. In the first round, the candidates undergo the questions focused on Quants, English, and Reasoning. In the Second round, the candidates have to go through the questions focused on data interpretation and data analysis. In addition,  the candidates have also gone through the descriptive questions as well which will provide proof of their profound english language skills. 

There is no denying the fact that clearing the exams is one of the toughest achievements for the candidates. Their years of preps are involved in their dreams. 

Why it’s tough?

• Three-tier selection: Prelims, Mains, and Interview + Group Exercise.
• High sectional cutoffs and overall difficulty in Reasoning, Data Analysis, and English.
• Mains exam includes Descriptive Writing (Letter & Essay).
• Large number of applicants (~20 lakhs for ~2,000 vacancies).

Institute of Banking Personnel Selection (IBPS) Exams

The IBPS is specially created for the purpose of recruitment to the banking sector as its name suggests. Many Indian institutes clearly mention on their advertising boards the  IBPS PO, Clerk, and Specialist Officer. This indicates the craze among the students aiming for the exams. Therefore, the exam competition is quite immense, and cracking any exam conducted by the IBPS is no less than winning a battle. 

Considering the difficulty of the IBPS PO, Clerk, and Specialist Officer exams, you will discover the IBPS PO is the toughest one. Moreover, taking a look at the sample exams of these three exams will let you know these three better. 

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Why it’s tough?

• Similar to SBI PO but slightly easier.
• High competition due to massive applicant pool (~10 lakhs for ~4,000-5,000 posts).
• Mains exam has a Descriptive Paper (Essay & Letter).

Conclusion 

These are the top bank exams that many students set targets for. Make sure to prepare for these exams well with the help of the best professionals help. For more information on these exams, stay connected with the right web portal.

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