Punjab & Sind Bank has released an official notification for the lateral recruitment of Specialist Officers in MMGS-II on a regular basis. Interested and eligible candidates can now apply online for Credit Manager and Agriculture Manager posts. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Vacancy Details:-
A total of 190 vacancies have been announced:
- Credit Manager (MMGS-II): 130
- PostsAgriculture Manager (MMGS-II): 60 Posts
Age Limit Details:-
General Age Criteria: The age limit for Punjab & Sind Bank Specialist Officer (SO) recruitment is set between 23 years and 35 years. This means candidates must not be younger than 23 years as of the cut-off date. Similarly, applicants should not be older than 35 years to be eligible. This age bracket ensures the bank recruits candidates with both education and professional maturity. The cut-off date for age calculation is 01.09.2025. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Date of Birth Range: Candidates must have been born not earlier than 02.09.1990 and not later than 01.09.2002. This calculation is strictly inclusive of both dates. Any candidate falling outside this birth range will not be considered. This precise date-based eligibility avoids confusion regarding cut-off limits. Applicants are therefore advised to verify their date of birth before applying. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Age Relaxation for SC/ST: For candidates belonging to Scheduled Castes (SC) and Scheduled Tribes (ST), a relaxation of 5 years in the upper age limit is provided. This means their maximum permissible age is extended to 40 years. Such relaxations are aligned with Government of India guidelines. It helps create fair opportunities for candidates from underprivileged categories. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Age Relaxation for OBC: Candidates from the Other Backward Classes (OBC – Non-Creamy Layer) category are eligible for a 3-year relaxation. Their maximum age limit thus extends to 38 years. However, they must produce a valid OBC certificate with a Non-Creamy Layer clause. Without this clause, candidates will be treated as belonging to the General category. This ensures only genuine OBC applicants get the benefit.
Age Relaxation for PwBD: Persons with Benchmark Disabilities (PwBD) enjoy a significant 10-year age relaxation. Therefore, PwBD candidates can apply up to the age of 45 years. This provision is made under “The Rights of Persons with Disabilities Act, 2016.” It covers categories like visual impairment, hearing impairment, orthopedic challenges, and intellectual disabilities. Candidates must provide a valid disability certificate issued by the competent authority. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Age Relaxation for Ex-Servicemen: Ex-Servicemen, including ECOs and SSCOs, are entitled to a 5-year relaxation. They should have rendered at least 5 years of military service. Moreover, their release must not be due to dismissal, misconduct, or inefficiency. The maximum permissible age for such candidates is thus 40 years. However, those who have already availed benefits of Ex-servicemen re-employment in civil jobs lose this status. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Age Relaxation for 1984 Riot Affected Persons: Candidates who were affected by the 1984 riots are also given 5 years of relaxation. Hence, their upper age limit extends up to 40 years. To claim this benefit, they must provide a valid certificate issued by the District Magistrate. This certificate confirms eligibility under the rehabilitation package. This relaxation recognizes and supports individuals impacted by historical events.
Combined Relaxations: It is important to note that age relaxations cannot be combined freely. For example, SC/ST/OBC relaxation can only be combined with one other applicable category like PwBD. Candidates cannot claim multiple relaxations simultaneously beyond permitted rules. This ensures fairness in recruitment and avoids misuse of relaxations. Candidates must check carefully how their category-specific relaxations apply.
Certificates for Age Relaxation: Candidates seeking age relaxation must present valid and updated certificates. For OBC, the certificate must confirm they do not belong to the creamy layer. EWS candidates must produce an Income & Asset Certificate as per DoPT guidelines. PwBD candidates must have certificates issued by a district-level medical board. Without proper certificates, candidates will be treated as General category. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Final Note on Age Eligibility: The maximum age limit of 35 years applies strictly to General and EWS candidates. Reserved category candidates must ensure their relaxation certificates are valid on the date of application. Applicants are advised to calculate their age correctly using the cut-off date. Incorrect claims regarding age eligibility may lead to disqualification. Therefore, careful attention to age rules is crucial before applying. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Educational Qualification Details:-
General Requirement: All educational qualifications must be obtained from a recognized University/Institute/Board approved by the Government of India or regulatory authorities. Candidates must possess valid proof of passing the required examinations. The final degree or provisional certificate issued by the university will be accepted. The date of passing mentioned on the mark sheet will be treated as the official date. Candidates without valid certificates will not be considered. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Qualification for Credit Manager: For the post of Credit Manager (MMGS-II), candidates must hold a Graduation degree in any discipline with a minimum of 60% marks in aggregate. Reserved category candidates (SC/ST/OBC/PwBD) get relaxation with 55% marks eligibility. Alternatively, candidates with professional qualifications are also eligible. Recognized certifications like CA, CMA, CFA, or MBA (Finance) are acceptable. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Work Experience for Credit Manager: In addition to educational qualifications, candidates must have at least three years of post-qualification experience. This experience should be in branch management, credit appraisal, or loan processing within a scheduled commercial bank. The experience must be certified by the employer. Applications without proper experience proof will be rejected. This ensures that only skilled professionals are recruited. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Qualification for Agriculture Manager: For the post of Agriculture Manager (MMGS-II), candidates must have a Bachelor’s Degree in Agriculture or allied fields. The degree can be in Agriculture, Horticulture, Dairy, Animal Husbandry, Forestry, Veterinary Science, Agriculture Engineering, or Fisheries. The candidate must secure 60% marks overall. For SC/ST/OBC/PwBD candidates, 55% marks is sufficient. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Work Experience for Agriculture Manager: Candidates applying for Agriculture Manager must also possess three years of post-qualification experience. The experience should be in a relevant field and preferably in a scheduled commercial bank. This includes handling agricultural finance and rural credit. The experience certificate must be submitted in the format prescribed in the notification. Without it, applications will be invalid. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
CGPA/OGPA Conversion: Wherever universities award grades like CGPA/OGPA, candidates must convert them into percentages. This conversion should follow the official rules of the respective university. At the time of interview, candidates must produce a certificate from the university stating the conversion formula. If no official formula is provided, the bank will not accept the CGPA directly. Accuracy in percentage calculation is mandatory. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Percentage Calculation Rule: The percentage of marks will be calculated based on all subjects in all semesters/years. Optional or additional subjects will also be counted. Candidates must divide the marks obtained by total maximum marks and multiply by 100. No rounding off is allowed. For example, 59.99% will be treated as less than 60%. This ensures fairness and uniformity in shortlisting. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Disqualification Conditions: Candidates who have been terminated or removed from service by any previous employer will not be considered eligible. This condition applies even if they meet educational qualifications. Punjab & Sind Bank aims to recruit only disciplined and experienced professionals. Such restrictions help maintain the quality of recruitment. Applicants must also ensure their experience certificates are genuine.
Roles of Credit Manager: The role of Credit Manager includes customer relationship management, credit operations, sales & business development, and branch operations. Candidates with strong analytical and managerial skills will be preferred. They may also be assigned additional responsibilities by the bank. The qualification ensures that selected candidates can handle complex credit portfolios. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Roles of Agriculture Manager: The Agriculture Manager’s role focuses on agriculture finance, customer acquisition, government scheme facilitation, and rural business growth. Candidates must be capable of promoting agricultural banking services. They will also handle branch operations in rural and semi-urban areas. The qualification ensures that managers are technically skilled in agriculture and finance. This aligns with the bank’s vision of supporting rural development. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Application Fee & Intimation Charges:
For SC/ST/PwBD Candidates
- Application Fee: ₹100
- Plus applicable taxes
- Plus payment gateway charges (if any)
- This category enjoys a concession compared to General/OBC/EWS candidates.
For General / OBC / EWS Candidates
- Application Fee: ₹850
- Plus applicable taxes
- Plus payment gateway charges
- This is the standard fee structure for unreserved and other categories.
Mode of Payment
- The fee must be paid online only.
- Accepted methods: Debit Card, Credit Card, Net Banking, UPI, or Wallets.
- No offline payment methods like cash, cheque, or demand draft will be accepted.
Non-Refundable
- Once paid, the fee will not be refunded under any circumstances.
- The amount cannot be adjusted for any other exam or future recruitment.
- Hence, candidates are advised to carefully check their eligibility before applying.
Important Note
- Transaction charges for payment will have to be borne by the candidate.
- Multiple applications will lead to rejection – so apply only once.
- Keep the payment receipt and application printout safe for future reference.
Important Dates:
| Event | Date |
|---|---|
| Online Application Start Date | 19 September 2025 |
| Online Application Last Date, Edit/Modify | 10 October 2025 |
| Last Date for Fee Payment | 10 October 2025 |
| All Corrigendum/Revisions on Website Only | As notified |
Pay Scale and Benifits:
Attractive Pay Scale for MMGS II Officers: Punjab & Sind Bank offers its Specialist Officers in the MMGS II category a well-structured pay scale beginning at ₹64,820 per month and rising up to ₹93,960 as per increment cycles. The pay scale includes annual increments, additional perks, and opportunities for progression. This competitive salary package is one of the major attractions for applicants. Regular rises in pay based on performance and tenure further enhance officer morale. The bank ensures that its officers are financially motivated throughout their service.
Dearness Allowance Adjustment: Dearness Allowance (DA) is a vital component of the compensation offered to MMGS II officers. The allowance is revised quarterly in accordance with the Consumer Price Index to help counteract inflation. Thus, officers are protected against rising living expenses over time. DA can sometimes constitute a significant percentage of the total in-hand salary. The frequent review and increase of DA keeps the officers’ earnings stable and relevant. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
House Rent Allowance and Accommodation: Officers in MMGS II are entitled to House Rent Allowance (HRA), which is determined by their city of posting. Those posted to metros or major cities enjoy a higher HRA rate. In addition, the bank may offer leased accommodation as per bank policy and officer eligibility. This housing support relieves new officers of major relocation concerns. By offering such facilities, the bank aids its employees in maintaining a good standard of living.
City Compensatory Allowance Provision: City Compensatory Allowance (CCA) is payable to officers posted in certain high-cost cities. This allowance aims to neutralize the financial impact of urban living. The amount varies based on posting but always supplements the core salary. With the inclusion of CCA, the net compensation of MMGS II officers rises in high-expense regions. Regular revisions ensure seasonally adjusted support for officers in metros. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Medical Insurance Benefits: Punjab & Sind Bank provides its MMGS II officers robust healthcare support. This includes comprehensive medical insurance for officers and their eligible family members, covering both outpatient and hospitalization expenses. The policies are designed to ensure that officers and their families are financially secure in times of medical need. Regular reviews of these policies ensure they match or exceed industry standards. Officers can rely on the bank for peace of mind on the health front. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Leave Travel Concession (LTC): Leave Travel Concession is another valuable benefit for MMGS II officers. Officers can utilize LTC for themselves and their eligible dependents, with the bank reimbursing travel costs as per its norms. This benefit ensures work-life balance and enables employees to maintain familial ties and enjoy vacations. LTC makes it easier for officers to travel across India for personal reasons without financial pressure. The policy is subject to periodic review and easy accessibility. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Terminal Benefits and Retirement Security: On retirement or resignation, MMGS II officers receive substantial terminal benefits. These include contributions to the Provident Fund, pension schemes, and gratuity as per banking guidelines. Such retirement benefits offer vital long-term security and are disbursed per statutory standards. The bank’s careful planning for employee welfare extends beyond active service. The focus is on ensuring post-service comfort for dedicated officers.
Festival Advances and Extra Perks: Beyond core salary, officers may also be eligible for festival advances and other minor advances at favorable terms. The bank supports celebration of key festivals and events without the need for expensive borrowings. Officers also receive reimbursement for work-related expenses including mobile bills and stationery. These additional benefits contribute to both professional convenience and personal happiness. The mix of financial tidbits keeps employees engaged and stress-free.
Career Progression Opportunities: Promotion policies within Punjab & Sind Bank are transparent and fair. Officers in MMGS II can expect career growth based on performance, seniority, and experience. The bank promotes deserving staff to higher cadres such as Senior Manager (MMGS III) and beyond. Ongoing internal training and leadership opportunities prepare officers for larger roles. This career ladder provides both financial and job security advancement. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Job Stability and Social Reputation: A career as a Specialist Officer in Punjab & Sind Bank is synonymous with high job stability and social standing. The bank’s government-owned status assures strong backing and workplace security. Officers frequently enjoy respect in their communities owing to their public sector position and ample salary. Combined with a comprehensive welfare package, officers experience both financial well-being and social recognition. This makes the position highly desirable for ambitious banking professionals.
Syllabus and Exam:
Written Test Pattern: The written test comprises 100 questions, each carrying one mark, to be solved within 105 minutes. The exam is divided into three sections: English Language, General Awareness, and Professional Knowledge. Candidates must clear each section with minimum passing marks to qualify for the interview round. The test is computer-based and held at designated test centers across the country. This structured format ensures a balanced evaluation of language, general awareness, and job-specific skills.
English Language Syllabus: The English section carries 20 questions worth 20 marks and is allotted 15 minutes within the exam duration. It evaluates grammar, vocabulary, comprehension, and written communication abilities. Key topics covered include reading comprehension, error detection, sentence rearrangement, fill-in-the-blanks, synonyms and antonyms, idioms, phrases, and para-jumbles. Proficiency in English helps officers effectively communicate in banking operations and client interactions.
General Awareness Topics: This section of 20 questions tests candidates’ knowledge of current affairs, banking and financial awareness, economic developments, and government policies. Questions are designed to assess awareness of recent banking reforms, RBI notifications, national and international financial news, and economic schemes. General awareness is crucial for officers to understand the changing dynamics of the financial sector and aid informed decision-making. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Professional Knowledge for Credit Managers: The professional knowledge segment for Credit Manager aspirants is focused on banking operations and credit appraisal processes. Topics include credit management, risk assessment, financial management, lending procedures, documentation, and banking regulations. Officers must be adept in evaluating creditworthiness and managing loan portfolios efficiently. This specialized knowledge forms the backbone for successful execution of duties in credit departments. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Professional Knowledge for Agriculture Managers: Agriculture Manager candidates are tested on government agricultural schemes, agricultural finance, and related technical knowledge. The syllabus covers areas like crop science, horticulture, animal husbandry, dairy, forestry, veterinary science, and allied fields. Additionally, knowledge of agricultural loan schemes, subsidies, and rural development programs forms a significant part. Officers proficient in this domain contribute effectively to promoting agricultural finance and rural banking. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Marking and Qualifying Criteria: Candidates must secure a minimum of 40% marks in each section for unreserved and EWS categories, while reserved category candidates need 35%. The test scores of qualified candidates are normalized and used to shortlist for interviews. The bank may shortlist candidates based on experience and suitability beyond the cut-off marks. This ensures a competitive selection of the most appropriate candidates for the specialized roles.
Personal Interview: Candidates who clear the written test are called for a personal interview, typically held at New Delhi or other specified centers. The interview evaluates candidates on communication skills, domain knowledge, decision-making capabilities, and behavioral qualities. It carries 30% weightage in the final merit list calculation. Preparation for this stage demands strong articulation and practical understanding of banking concepts. The interview is crucial to gauge the candidate’s aptitude for client handling and managerial roles.
Final Merit Determination: The final selection merit list combines 70% weightage of written test scores with 30% of interview scores. Marks from the written test are scaled to 70, and interview marks are scaled to 30 for uniformity. Candidate rankings are prepared on state-wise and category-wise basis to ensure balanced representation. Only candidates qualifying both stages successfully are considered for appointment. This combined evaluation guarantees the selection of well-rounded professionals.
Exam Centers and Important Guidelines: The online examination is conducted at various centers across India, including major cities and regional locations. Candidates must choose their preferred centers during application but may be allotted alternate centers based on availability. Strict guidelines on examination conduct, document verification, and biometric data capture are followed. Candidates are advised to be punctual and carry all necessary documents and admit cards. The bank reserves the right to change exam centers and dates as per administrative convenience. (Punjab and Sind Bank Specialist Officer Recruitment 2025)
Important Document for Apply:
Here are the important documents required to apply for Punjab & Sind Bank Specialist Officer (MMGS II) recruitment: (Punjab and Sind Bank Specialist Officer Recruitment 2025)
- Scanned copy of recent passport size photograph as per specifications.
- Scanned signature to upload on the application form.
- Thumb impression scanned image as per prescribed format.
- Hand-written declaration in English as per the bank’s template.
- Educational certificates including Class 10th and graduation mark sheets and degree/provisional certificate.
- Caste certificate (if applicable) in the prescribed format issued by competent authority.
- Disability certificate for PwBD candidates issued by authorized Medical Board.
- Experience certificates specifying details of previous employment.
- Identity proof in original and photocopy (PAN Card, Passport, Aadhaar, Driving License, Voter ID, etc.).
- Valid OBC certificate with non-creamy layer clause (if applicable), and EWS certificate for Economically Weaker Section candidates.
