Hello Banking Professionals! Here's a great career opportunity for experienced candidates. Punjab & Sind Bank, a Government of India Undertaking, has invited online applications for the lateral recruitment of 190 Specialist Officers (SO) in the Middle Management Grade Scale-II (MMGS-II).
The bank is looking to fill the positions of Credit Manager and Agriculture Manager. If you have the required experience and qualifications, this is your chance to join a public sector bank in a managerial role. Let's get into the details!
Punjab & Sind Bank SO Recruitment 2025: Key Highlights
| Bank Name | Punjab & Sind Bank |
| Post Names | Credit Manager & Agriculture Manager |
| Scale | MMGS-II |
| Total Vacancies | 190 |
| Application Mode | Online Only |
| Application Start Date | 19th September 2025 |
| Last Date to Apply | 10th October 2025 |
| Selection Process | Written Test & Personal Interview |
Vacancy Details for Credit Manager and Agriculture Officer
| Post Name | Scale | Total Vacancies |
|---|---|---|
| Credit Manager | MMGS-II | 130 |
| Agriculture Manager | MMGS-II | 60 |
What is the Bank SO Salary in 2025? (MMGS-II In-Hand)
Candidates selected as Specialist Officers in MMGS-II will receive an excellent salary package. The official pay scale is ₹ 64820-2340/1-67160-2680/10-93960.
What Does This Pay Scale Mean? (Estimated In-Hand Salary)
Your starting Basic Pay will be ₹64,820 per month. On top of this, you will receive Dearness Allowance (DA), House Rent Allowance (HRA), and other perks. After all additions and deductions, you can expect an estimated in-hand salary of approximately ₹92,000 to ₹95,000 per month, depending on your city of posting. This makes it a very attractive opportunity.
Eligibility Criteria for Credit Manager and Agriculture Officer Jobs
This is a lateral recruitment for experienced professionals. Please check the detailed eligibility criteria carefully.
Age Limit (as on 01.09.2025)
The age of the candidate should be between 23 and 35 years. (Relaxation for reserved categories is applicable as per government norms).
Educational Qualification & Experience (as on 10.10.2025)
| Post Name | Educational Qualification | Post-Qualification Work Experience |
|---|---|---|
| Credit Manager | Graduation in any discipline with minimum 60% marks OR Professional qualification like CA/CMA/CFA/MBA (Finance). | Minimum 3 years of experience as a Branch Manager or in credit appraisal/processing in any Scheduled Commercial Bank. |
| Agriculture Manager | A Bachelor's Degree in Agriculture/Horticulture/Forestry/Veterinary Science or related fields with minimum 60% marks. | Minimum 3 years of experience as an officer in the relevant field (agriculture finance) in any Scheduled Commercial Bank. |
Mandatory CIBIL Score Requirement
This is a critical eligibility rule. All candidates applying must ensure they have a healthy credit history. You must have a minimum CIBIL score of 650 or above at the time of joining the bank.
What Will Your Role Be? (Job Responsibilities)
For Credit Manager:
- Credit Operations and Appraisal
- Sales & Business Development
- Customer Relationship Management
- Branch Management and Operations
For Agriculture Manager:
- Promoting and managing Agriculture Finance
- Facilitating Government Schemes related to Agriculture
- Customer Acquisition and Relationship Management
- Branch Management and Operations
Selection Process
The selection process will consist of the following stages:
- Shortlisting/Screening: The bank will shortlist candidates based on their qualifications and experience.
- Written Test: Shortlisted candidates will be called for an online written test.
- Personal Interview: Candidates who qualify in the written test will be called for a personal interview.
Important Note on Selection
The bank reserves the right to waive the written test and directly call shortlisted candidates for the interview based on their profiles. The final merit list will be prepared with 70% weightage given to the Written Test and 30% weightage to the Personal Interview.
Exam Pattern for Written Test
| Subject | No. of Questions | Maximum Marks | Duration |
|---|---|---|---|
| English Language | 20 | 20 | 15 Minutes |
| General Awareness | 20 | 20 | 30 Minutes |
| Professional Knowledge | 60 | 60 | 60 Minutes |
| Total | 100 | 100 | 105 Minutes |
Focus on Professional Knowledge
The most important section in the written test is Professional Knowledge, which carries 60 out of 100 marks.
- For Credit Manager applicants, this section will cover topics related to general banking, credit appraisal, financial analysis, and loan processing.
- For Agriculture Manager applicants, the focus will be on agricultural finance, rural development schemes, and related banking products.
Application Fee
| SC/ST/PWD Candidates | ₹100 + Applicable Taxes |
| General, EWS & OBC Candidates | ₹850 + Applicable Taxes |
How to Apply Online
The application process is completely online. Follow these simple steps:
- Visit the Official Website: Go to the Punjab & Sind Bank's official website: https://punjabandsindbank.co.in/ and navigate to the "Recruitment" page.
- Find the Link: Click on the link for "LATERAL RECRUITMENT OF SPECIALIST OFFICERS IN MMGS II".
- Register and Fill the Form: Register yourself and fill out the online application form with accurate details about your education and experience.
- Upload Documents: Upload scanned copies of your photograph, signature, and other required documents.
- Pay the Fee: Pay the application fee online through the payment gateway.
- Submit and Print: After successful submission, take a printout of your application form for future reference.
Important Links
- 📝 Apply Online - Click Here
- 📄 Official Notification PDF - Click Here
- 🌐 Official Website - Click Here
- 📣 Join Telegram Group - Click Here
- 📢 Join WhatsApp Group for Updates - Click Here
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Frequently Asked Questions (FAQs)
Q1: What is the last date to apply for this recruitment?
A: The last date to submit your online application is 10th October 2025.
Q2: What is the in-hand salary for an MMGS-II Specialist Officer?
A: The estimated in-hand salary for an MMGS-II officer in Punjab & Sind Bank would be around ₹92,000 to ₹95,000 per month, based on a starting basic pay of ₹64,820.
Q3: I am a fresher. Can I apply for this post?
A: No. This is a recruitment for experienced professionals. A minimum of 3 years of post-qualification work experience in a Scheduled Commercial Bank is mandatory.
Q4: Are current employees of Punjab & Sind Bank eligible to apply?
A: No. The official notification clearly states that present employees of Punjab & Sind Bank are not eligible for this recruitment.
Q5: Is there a written exam, or is it direct interview?
A: The selection process includes a written test and a personal interview. However, the bank reserves the right to waive the written test and directly call candidates for an interview based on their profiles.
The Punjab & Sind Bank SO Recruitment 2025 is an excellent opportunity for experienced bankers to advance their careers. With a handsome salary and the stability of a public sector bank, this is a chance worth pursuing. If you meet the eligibility criteria, make sure to apply online before the deadline. Good luck!
