IOB Bank 127 Specialist Officer Online Form 2025: Complete Guide
Overview
Indian Overseas Bank (IOB) has released the Specialist Officers Recruitment 2025 notification for 127 posts with applications open from September 12 to October 3, 2025, and a salary range of ₹64,820 to ₹1,05,280. This is an excellent opportunity for experienced professionals to join one of India’s leading public sector banks in various specialized roles.
Important Dates 2025
| Event | Date |
|---|---|
| Notification Released | September 12, 2025 |
| Online Application Start Date | September 12, 2025 |
| Online Application Last Date | October 3, 2025 (11:59 PM) |
| Last Date for Fee Payment | October 3, 2025 (11:59 PM) |
| Online Examination Date | November 16, 2025 (Sunday) |
| Admit Card Release | To be announced |
| Result Declaration | To be announced |
Recruitment Overview
| Detail | Information |
|---|---|
| Organization Name | Indian Overseas Bank (IOB) |
| Notification Number | HRDD/RECT/03/2025-26 |
| Total Vacancies | 127 Posts |
| Post Name | Specialist Officer (SO) |
| Scales | MMGS Scale II & III |
| Application Mode | Online Only |
| Official Website | www.iob.in |
| Exam Mode | Online (Computer Based) |
Vacancy Details
The IT Manager (MMGS II) post has the highest vacancies with 41 positions, followed by Manager Information Security (MMGS II) with 13 vacancies and Manager (Treasury) with 11 vacancies.
Post-wise Vacancy Distribution
MMGS Scale II (Middle Management Grade Scale II):
| Post Name | Total Vacancies |
|---|---|
| Manager (IT) | 41 |
| Manager (Information Security) | 13 |
| Manager (Treasury) | 11 |
| Manager (IS Audit) | 7 |
| Manager (Risk) | 6 |
| Manager (Corporate Credit) | 5 |
| Manager (Civil) | 4 |
| Manager (Data Science) | 4 |
| Manager (Software Engineering) | 3 |
| Manager (Electrical) | 2 |
| Manager (Printing) | 2 |
| Manager (Automobile) | 1 |
MMGS Scale III (Middle Management Grade Scale III):
| Post Name | Total Vacancies |
|---|---|
| Senior Manager (IT) | 15 |
| Senior Manager (Risk) | 7 |
| Senior Manager (Treasury) | 5 |
| Senior Manager (Data Science) | 1 |
Total: 127 Posts
Category-wise Reservation
- General Category
- SC (Scheduled Caste)
- ST (Scheduled Tribe)
- OBC (Other Backward Classes)
- EWS (Economically Weaker Section)
- PwBD (Persons with Benchmark Disabilities)
Salary Structure & Benefits
For MMGS Scale II, the pay scale is ₹64,820 – ₹93,960, and for MMGS Scale III, it is ₹85,920 – ₹1,05,280.
Pay Scale Details
MMGS Scale II:
- Basic Pay Scale: ₹64,820 – 2340/1 – 67,160 – 2680/10 – ₹93,960
- Starting Basic Pay: ₹64,820
MMGS Scale III:
- Basic Pay Scale: ₹85,920 – 2680/5 – 99,320 – 2980/2 – ₹1,05,280
- Starting Basic Pay: ₹85,920
Allowances & Benefits
In addition to basic pay, officers receive Dearness Allowance (DA) revised quarterly, House Rent Allowance (HRA) based on city of posting, City Compensatory Allowance (CCA), contributions to National Pension System (NPS), medical insurance for family, leave travel concession (LTC), and allowances for newspapers, entertainment, and telephone bills.
Additional Benefits:
- DA (Dearness Allowance): Revised quarterly as per government norms
- HRA (House Rent Allowance): Higher rates for metro cities
- CCA (City Compensatory Allowance): As applicable
- Medical Benefits: For self and family
- Pension/NPS: National Pension System contributions
- LTC (Leave Travel Concession): As per bank rules
- Other Allowances: Newspaper, entertainment, telephone reimbursement
- Probation Period: 2 years from date of joining
Estimated In-hand Salary
- MMGS Scale II: ₹70,000 – ₹85,000 per month (approx.)
- MMGS Scale III: ₹90,000 – ₹1,10,000 per month (approx.)
Note: Actual in-hand salary varies based on location, allowances, and deductions.
Eligibility Criteria
Educational Qualification (Post-wise)
Candidates must possess specific qualifications based on the post applied:
For IT/Software Related Posts:
- B.E/B.Tech in Computer Science/IT/Electronics or MCA/M.Tech in relevant field
- Professional certifications like CISA, CISSP, CEH (for specific posts)
For Treasury Manager:
- Graduate in any discipline with MBA/PGDM in Finance or CA/ICWA/CFA
- Minimum 3-5 years of relevant experience in treasury operations
For Civil/Electrical/Automobile Manager:
- B.E/B.Tech in Civil/Electrical/Automobile Engineering
- Relevant work experience in banking/PSU sector
For Data Science Manager:
- Master’s degree in Statistics/Mathematics/Computer Science/Data Science
- Proficiency in Python, R, SQL, Machine Learning
For Risk Manager:
- Graduate with MBA/PGDM or professional qualification like FRM/CFA
- Experience in credit risk, market risk, or operational risk
Note: For detailed qualification requirements for each post, refer to the official notification.
Age Limit
As on September 1, 2025:
The cut-off date to determine the upper age limit is September 1, 2025, with eligible candidates from reserved categories receiving age relaxation according to government rules.
For MMGS Scale II:
- Minimum Age: 21 years
- Maximum Age: 30 years
For MMGS Scale III:
- Minimum Age: 21 years
- Maximum Age: 35 years
Age Relaxation
| Category | Age Relaxation |
|---|---|
| SC/ST | 5 years |
| OBC (Non-Creamy Layer) | 3 years |
| PwBD (General) | 10 years |
| PwBD (OBC) | 13 years |
| PwBD (SC/ST) | 15 years |
| Ex-Servicemen | As per Govt. rules |
| Widows/Divorced Women | As per Govt. rules |
Experience Requirements
Most specialist posts require:
- MMGS Scale II: Minimum 3-5 years of relevant post-qualification experience
- MMGS Scale III: Minimum 5-8 years of relevant post-qualification experience
Experience requirements vary by post. Check official notification for specific details.
Application Fee
Application fees are required as per the category:
| Category | Application Fee |
|---|---|
| General / OBC / EWS | ₹850/- (₹100 intimation charges + ₹750 processing fee) |
| SC / ST / PwBD | ₹150/- (₹100 intimation charges + ₹50 processing fee) |
Payment Mode
- Debit Card
- Credit Card
- Net Banking
- UPI
Note:
- Fee once paid is non-refundable
- Payment must be completed by October 3, 2025 (11:59 PM)
- Transaction charges (if any) to be borne by the candidate
How to Apply Online
Step-by-Step Application Process
Step 1: Visit Official Website
- Go to the official IOB website: www.iob.in
- Navigate to the “Careers” section on the homepage
Step 2: Find Recruitment Notification
- Look for “RECRUITMENT OF SPECIALIST OFFICERS – 2025-2026”
- Read the complete official notification carefully
- Download and save the notification PDF for reference
Step 3: Online Registration
- Click on “Click here to Register Online”
- Fill in basic details:
- Full Name
- Date of Birth
- Email ID
- Mobile Number
- State of residence
- Submit registration form
- You will receive Registration Number and Password via Email and SMS
Step 4: Login to Application Portal
- Use your Registration Number and Password to login
- Complete the online application form with accurate details
Step 5: Fill Application Form Complete the following sections:
- Personal Details: Name, father’s name, mother’s name, DOB, gender, category, etc.
- Contact Details: Email, mobile, permanent & correspondence address
- Educational Qualification: From 10th onwards with marks and passing year
- Work Experience: Current and previous employment details
- Post Preference: Select post(s) you’re applying for
Step 6: Upload Documents Upload scanned copies of documents as per specifications:
| Document | Size | Format |
|---|---|---|
| Recent Photograph | 10-50 KB | JPG/JPEG |
| Signature | 5-20 KB | JPG/JPEG |
| Left Thumb Impression | 10-20 KB | JPG/JPEG |
| Handwritten Declaration | 20-50 KB | JPG/JPEG |
Step 7: Payment of Application Fee
- Choose your payment method
- Complete the fee payment online
- Save the payment receipt/transaction ID
Step 8: Preview & Final Submission
- Preview the complete application form
- Verify all details carefully
- Make corrections if needed
- Click on “Final Submit” button
- Important: No changes can be made after final submission
Step 9: Take Printout
- Download the submitted application form
- Take printout for future reference
- Save the registration number and password
Documents Required
For Registration
- Valid Email ID
- Active Mobile Number
For Uploading (Scanned Format)
Mandatory Documents:
- Recent Photograph
- Passport size color photograph
- White or light-colored background
- Clear front-facing image
- Taken within last 3 months
- Signature
- On white paper with black ink
- Clear and legible
- Left Thumb Impression
- Clear impression on white paper
- Should not be smudged
- Handwritten Declaration
- As given in Annexure-I of notification
- On white paper with black/blue ink pen
- In candidate’s own handwriting
For Verification (Original + Self-attested Copies)
Keep ready for document verification stage:
- All educational certificates and mark sheets (10th onwards)
- Degree/Diploma certificates
- Professional qualification certificates (if any)
- Caste certificate (for SC/ST/OBC candidates)
- EWS certificate (if applicable)
- Disability certificate (for PwBD candidates)
- Experience certificates from all previous employers
- Relieving letters/Service certificates
- Date of Birth proof
- Identity proof (Aadhar/PAN/Passport/Voter ID)
- Recent passport size photographs
- Any other relevant documents mentioned in notification
Selection Process
The selection process consists of two stages – an online objective test consisting of 100 questions for 100 marks divided into three sections, followed by a personal interview.
Stage 1: Online Examination
Exam Details:
| Aspect | Details |
|---|---|
| Exam Date | November 16, 2025 (Sunday) |
| Mode | Computer Based Test (CBT) |
| Duration | 120 Minutes (2 Hours) |
| Total Questions | 100 Questions |
| Total Marks | 100 Marks |
| Language | English Only |
| Marking Scheme | +1 for correct answer |
| Negative Marking | -0.25 for wrong answer |
| Question Type | Multiple Choice Questions (MCQs) |
Exam Pattern:
The test consists of three sections covering professional knowledge, reasoning, and quantitative aptitude/data interpretation.
| Section | Topics | Questions | Marks | Time |
|---|---|---|---|---|
| Section A | Professional Knowledge | 40 | 40 | 40 min |
| Section B | Reasoning | 30 | 30 | 30 min |
| Section C | Quantitative Aptitude/Data Interpretation | 30 | 30 | 50 min |
| Total | 100 | 100 | 120 min |
Section-wise Syllabus:
Section A – Professional Knowledge (Post-specific)
- Technical knowledge related to the post applied
- Domain expertise and industry practices
- Banking awareness and regulations
- Latest developments in the field
Section B – Reasoning
- Verbal reasoning
- Logical reasoning
- Analytical reasoning
- Data interpretation
- Critical thinking
Section C – Quantitative Aptitude & Data Interpretation
- Number systems
- Percentages, profit & loss
- Time & work, time & distance
- Data interpretation (tables, graphs, charts)
- Data sufficiency
Qualifying Criteria:
- Candidates must qualify in each section separately
- Bank reserves the right to fix minimum qualifying marks
- Shortlisted candidates will be called for interview
Stage 2: Personal Interview
Interview Details:
| Aspect | Details |
|---|---|
| Mode | Face-to-face |
| Maximum Marks | 25 Marks |
| Qualifying Marks | As decided by the bank |
| Assessment Areas | Technical knowledge, communication, personality |
Interview will assess:
- Professional knowledge and expertise
- Communication skills
- Banking awareness
- Problem-solving ability
- Overall personality and suitability for the post
Final Merit List
Merit List Preparation:
- Combined score of Online Exam + Interview
- Category-wise merit list
- Subject to availability of vacancies
- Bank’s decision will be final
Important Notes:
- The bank may conduct preliminary screening before calling candidates
- Number of candidates for interview may be limited based on merit
- Minimum qualifying marks in interview apply
- Final selection is subject to medical fitness and document verification
Exam Preparation Tips
For Online Test
1. Understand the Exam Pattern
- Know the structure, marking scheme, and time allocation
- Practice with previous years’ papers (if available)
2. Focus on Professional Knowledge
- This section carries maximum weightage
- Study domain-specific concepts thoroughly
- Stay updated with latest developments in your field
3. Strengthen Reasoning Skills
- Practice different types of reasoning questions daily
- Solve puzzles and logical problems
- Time yourself while practicing
4. Master Quantitative Aptitude
- Revise basic mathematical concepts
- Practice data interpretation extensively
- Learn shortcuts and time-saving techniques
5. Time Management
- Allocate time section-wise
- Don’t spend too much time on difficult questions
- Attempt maximum questions within time limit
6. Take Mock Tests
- Practice full-length mock tests regularly
- Analyze your performance after each test
- Work on weak areas
7. Stay Updated
- Read banking news and updates regularly
- Follow RBI guidelines and policies
- Stay aware of latest technology trends in banking
For Interview
1. Know Your Subject
- Be thorough with your domain knowledge
- Prepare for technical questions
- Study recent developments in your field
2. Banking Awareness
- Read about IOB – history, services, achievements
- Know about banking sector trends
- Understand digital banking and fintech
3. Communication Skills
- Practice speaking clearly and confidently
- Prepare answers to common interview questions
- Work on your body language and presentation
4. Current Affairs
- Stay updated with national and international news
- Focus on economic and banking news
- Read business newspapers and magazines
5. Mock Interviews
- Practice with friends or mentors
- Record yourself and analyze
- Work on areas of improvement
Important Instructions
General Instructions
✓ Read the official notification carefully before applying ✓ Ensure you meet all eligibility criteria ✓ Apply only for posts you’re qualified for ✓ Provide accurate information in the application ✓ Keep all documents ready before starting application ✓ Use valid and active email ID and mobile number ✓ Complete application well before the deadline ✓ Take printout of submitted application for future reference
During Application
✓ Fill all mandatory fields carefully ✓ Upload correct documents in specified format and size ✓ Preview the form before final submission ✓ No changes possible after final submission ✓ Make fee payment only after reviewing the form ✓ Save payment receipt and transaction details
Multiple Applications
- Candidates can apply for multiple posts if eligible
- Separate application and fee required for each post
- Clearly mention the post preference in application
Important Points to Remember
⚠️ Applications submitted through any mode other than online will not be accepted ⚠️ Incomplete applications will be rejected ⚠️ Providing false information may lead to disqualification ⚠️ No request for change in personal details will be entertained ⚠️ Canvassing in any form will lead to disqualification ⚠️ The bank’s decision on all matters will be final and binding
Admit Card
How to Download IOB SO Admit Card 2025
The admit card will be released before the examination date and can be downloaded from the official IOB website.
Steps to Download:
- Visit the official IOB website (www.iob.in)
- Click on “Careers” section
- Find “Download Admit Card for Specialist Officers 2025”
- Enter Registration Number/Application Number
- Enter Date of Birth
- Submit and download admit card
- Take printout (colored or black & white)
Admit Card Contains:
- Candidate’s name and photograph
- Roll number and registration number
- Exam date, time, and shift
- Exam center name and address
- Important instructions
- Candidate’s signature
Important:
- Admit card will NOT be sent by post
- Download from website only
- Bring original admit card to exam center
- Carry valid photo ID proof along with admit card
Result & Further Process
Result Declaration
- Online exam result will be declared on the official website
- Candidates can check their result using registration number
- Shortlisted candidates will be called for personal interview
- Final result after interview will determine selection
Document Verification
Selected candidates will be called for document verification where they need to produce:
- Original and self-attested copies of all certificates
- Experience certificates and relieving letters
- Caste/category certificates (if applicable)
- Any other documents as specified by the bank
Medical Examination
- Selected candidates undergo medical examination
- Must be physically and mentally fit
- As per the bank’s medical standards
- Final appointment subject to medical fitness
Appointment
- Selected candidates will receive appointment letters
- Must join within specified time
- Will serve probation period of 2 years
- Confirmation after successful completion of probation
About Indian Overseas Bank (IOB)
Indian Overseas Bank is an Indian Public Sector Bank owned by the Government of India, founded in 1937 and nationalized in 1969 as one of 14 major banks.
Key Facts:
- Headquarters: Chennai, Tamil Nadu
- Founded: February 10, 1937
- Type: Public Sector Bank
- Industry: Banking and Financial Services
- Presence: Across India and International locations
- Tagline: “Good People to Grow With”
Bank’s Presence:
- Extensive branch network across India
- International presence in major countries
- Strong digital banking infrastructure
- Focus on technology and innovation
Why Join IOB?
- Reputed public sector bank with long legacy
- Job security and career growth opportunities
- Attractive salary and comprehensive benefits
- Work-life balance and professional environment
- Opportunity to serve diverse customers
Contact Information
Official Website:
- Main Website: www.iob.in
- Recruitment Page: www.iob.in → Careers
For Queries and Clarifications:
- Check the official website regularly for updates
- Email: (As mentioned in official notification)
- Helpdesk: (Contact details available in notification)
Follow Official Channels:
- Check official website for all updates
- Enable email and SMS alerts
- Follow IOB’s official social media handles
Frequently Asked Questions (FAQs)
Q1: Can I apply for multiple posts? A: Yes, you can apply for multiple posts if you meet the eligibility criteria for each post. You need to submit separate applications and fees for each post.
Q2: Is there any application fee for SC/ST/PwBD candidates? A: Yes, SC/ST/PwBD candidates need to pay ₹150/- (₹100 + ₹50) as application fee.
Q3: What is the age limit for Specialist Officer posts? A: For MMGS Scale II: 21-30 years; For MMGS Scale III: 21-35 years (as on September 1, 2025). Age relaxation applicable for reserved categories.
Q4: Is work experience mandatory? A: Yes, relevant post-qualification experience is mandatory as specified for each post in the official notification.
Q5: What is the exam language? A: The online examination will be conducted in English language only.
Q6: Is there negative marking in the exam? A: Yes, 0.25 marks will be deducted for each wrong answer.
Q7: When will the admit card be released? A: The admit card will be available for download 10-15 days before the examination date on the official website.
Q8: Can I change my exam center? A: No, once allotted, the exam center cannot be changed under any circumstances.
Q9: What documents are required at the time of interview? A: Original and self-attested copies of all educational certificates, experience certificates, caste certificate (if applicable), and identity proof.
Q10: What is the probation period? A: Selected candidates will serve a probation period of 2 years from the date of joining.
Q11: Can I edit my application after final submission? A: No, once the application is finally submitted, no changes can be made. Therefore, review carefully before submission.
Q12: How can I check my application status? A: You can check your application status by logging into the application portal using your registration number and password.
Q13: Is there any reservation for ex-servicemen? A: Yes, reservation and age relaxation is provided to ex-servicemen as per government norms.
Q14: What if I forget my registration number? A: Use the “Forgot Registration Number” option on the login page. You’ll receive it on your registered email and mobile number.
Q15: Can I apply offline? A: No, applications are accepted only through online mode. Offline applications will not be accepted.
Final Checklist
Before Applying
- [ ] Read official notification thoroughly
- [ ] Check eligibility criteria carefully
- [ ] Keep all educational certificates ready
- [ ] Have experience certificates available
- [ ] Prepare documents for scanning
- [ ] Arrange valid email ID and mobile number
- [ ] Keep Aadhar card and other ID proofs ready
- [ ] Calculate age as on cut-off date
- [ ] Note down post preferences
During Application
- [ ] Register with correct details
- [ ] Save registration number and password
- [ ] Fill all sections of application form
- [ ] Upload documents as per specifications
- [ ] Review application carefully before submission
- [ ] Pay application fee online
- [ ] Save payment receipt
- [ ] Submit application before deadline
- [ ] Take printout of submitted application
After Application
- [ ] Keep printout of application safe
- [ ] Save all transaction details
- [ ] Note important dates
- [ ] Check website regularly for updates
- [ ] Enable email/SMS alerts
- [ ] Start exam preparation
- [ ] Download admit card when available
- [ ] Prepare for interview
Conclusion
The Indian Overseas Bank Specialist Officer Recruitment 2025 is an excellent opportunity for experienced professionals to join a prestigious public sector bank. With 127 vacancies across various specialized domains, attractive salary packages starting from ₹64,820 to ₹1,05,280, and comprehensive benefits, this recruitment offers a promising career path in the banking sector.
The application process is completely online and must be completed between September 12 and October 3, 2025. Candidates should carefully read the official notification, ensure they meet all eligibility criteria, and apply well before the deadline. The selection process consists of an online examination scheduled for November 16, 2025, followed by a personal interview.
Success in this recruitment requires thorough preparation, focusing on domain-specific knowledge, reasoning abilities, and quantitative aptitude. Candidates should also stay updated with banking sector developments and prepare well for the interview stage.
This is a golden opportunity to build a stable and rewarding career with one of India’s leading public sector banks. With proper preparation and timely application, eligible candidates can secure their position as Specialist Officers in IOB.
Remember:
- Apply online only through the official website www.iob.in
- Complete your application before October 3, 2025
- Start your exam preparation immediately
- Stay updated through official channels
All the best for your application and examination!
Disclaimer: This information is compiled from official sources and is accurate as of November 2025. Candidates are advised to verify all details from the official Indian Overseas Bank website (www.iob.in) and read the complete official notification before applying. The bank reserves the right to modify any information without prior notice.