The SBI CBO examination, short for State Bank of India Circle Based Officer examination, represents a prestigious and crucial opportunity within the State Bank of India (SBI), one of India’s largest and most prominent public sector banks. This examination aims to identify individuals responsible for overseeing and managing banking operations within specific geographical circles or regions of the country. Those who pass the SBI CBO examination play a pivotal role in ensuring the efficient delivery of banking services, enhancing customer satisfaction, and upholding compliance with regulatory guidelines at the grassroots level.

This article will delve deeper into the responsibilities, qualifications, and significance of the SBI Circle-Based Officer role, highlighting its paramount importance within the banking industry and India’s broader financial landscape.

What is Meant by SBI CBO?

SBI CBO stands for State Bank of India Circle Based Officer. It is a position within the State Bank of India (SBI) that involves overseeing the operations of a specific circle or region. The job profile of an SBI CBO is that of a junior management grade Scale-I officer. The selected candidates serve a probation period of six months before getting a permanent job.

The responsibilities of an SBI CBO include:

  • Managing and supervising branch operations.
  • Ensuring compliance with regulatory guidelines.
  • Implementing business strategies.
  • Driving customer engagement and satisfaction.

They play a crucial role in the efficient functioning of SBI branches and contribute to the overall growth and success of the bank.

Tips for SBI CBO Exam Preparation

Understand the Exam Pattern

It’s crucial to begin your SBI CBO exam preparation by thoroughly understanding the exam pattern. The SBI CBO exam typically consists of two stages: an online objective test, a descriptive test, and an interview. The accurate test assesses your reasoning knowledge, quantitative aptitude, general awareness, and the English language. The descriptive test evaluates your writing skills, and the interview assesses your suitability for the role. Understanding this pattern will help you tailor your preparation accordingly.

Create a Study Plan

Create a structured study plan once you’re familiar with the exam pattern. Considering your strengths and weaknesses, allocate sufficient time for each subject or section. A well-organized study plan will help you cover all the topics systematically and ensure you don’t miss out on any critical areas.

Read Newspapers and Current Affairs

Staying updated with current affairs is crucial for the general awareness section of the SBI CBO exam. Make it a habit to read newspapers, watch news programs, and follow reliable online sources to stay informed about current events, economic developments, and banking-related news. This knowledge will be essential for both the objective and descriptive tests.

Improve Your English Language Skills

Since the SBI CBO exam includes a significant English language component, improve your language skills. Focus on vocabulary, grammar, comprehension, and writing abilities. Reading books, practicing grammar exercises, and writing essays or articles regularly can help improve your English language proficiency.

Take Mock Tests

Mock tests are invaluable tools for exam preparation. They simulate the actual exam environment and help you become familiar with the question types and time constraints. Take multiple mock tests for each section and analyze your performance to identify areas of improvement. Many coaching institutes and online platforms offer SBI CBO mock tests.

Practice Question Papers from Previous Years

Past exam papers can give you insight into the types of commonly asked questions. Solve previous years’ question papers to get a feel for the exam’s difficulty level and the questions that may appear. This practice will also help you manage your time effectively during the exam.

Analyze Mock Test Performance

After taking mock tests and practicing previous years’ papers:

  • Analyze your performance critically.
  • Identify the topics or sections where you are strong and those where you need improvement.
  • Focus more on your weak areas and try to strengthen them.
  • Review your mistakes and understand the concepts behind them to avoid repeating them in the exam.

Which Documents Are Needed for the SBI CBO 2023?

Here is an in-depth explanation of the documents typically needed for the SBI CBO (Circle Based Officer) 2023 recruitment process:

  1. ID Proof: You must provide a valid government-issued photo ID as proof of your identity. Commonly accepted IDs include Aadhar cards, Passport, Voter ID cards, PAN card, or driver’s licenses. Make sure the ID is current and not expired.
  2. Proof of Date of Birth: To verify your age, you must submit a document confirming your date of birth. Commonly accepted papers include your birth certificate, SSLC/10th class certificate, or any other document that mentions your date of birth.
  3. Passport-size Photographs: You will need recent passport-sized color photographs to attach to your application form and other documents as required. The exact number of pictures may vary, so checking the specific requirements mentioned in the official notification is advisable.
  4. Education Qualification Certificates: You must provide certificates and mark sheets that prove your educational qualifications. These should include your degree certificates, diplomas, and mark sheets for all levels of education relevant to the SBI CBO recruitment eligibility criteria.
  5. Caste/Category Certificate (if applicable): If you belong to a reserved category such as SC, ST, OBC, or EWS, you must provide a valid caste/category certificate issued by the competent authority. This document is essential for claiming any reserved category benefits.
  6. Experience Certificate: If the SBI CBO 2023 notification specifies a minimum work experience requirement, you should provide experience certificates from your previous employers or organizations. These certificates should detail your tenure, role, and responsibilities.
  7. Income and Asset Certificate (if applicable): You may be asked to provide an income and asset certificate depending on the specific requirements. This document typically indicates your family’s income and assets. Ensure it is obtained from the appropriate government authority if required.
  8. No Objection Certificate (NOC): If you are currently employed in a government organization or any other entity, you may need to obtain a No Objection Certificate (NOC) from your current employer. This certificate shows that your current employer has no objections to you applying for and joining the SBI CBO position.
  9. Domicile Certificate: A domicile certificate is proof of your residence in a particular state or region. It may be required to establish your eligibility for specific regional or state-wise vacancies, if applicable.

How Many Sections are There in the SBI CBO Online Test?

The SBI CBO (Circle Based Officer) online test typically consists of four main sections:

English Language

This section assesses your proficiency in the English language, including your ability to comprehend passages, answer questions related to grammar, vocabulary, and comprehension, and solve language-related problems.

Banking Awareness

This section evaluates your banking and financial concepts knowledge, including banking terminology, banking products and services, RBI policies, current affairs related to the banking sector, and more. It tests your awareness of the banking industry.

Reasoning Ability

In this section, your logical and analytical thinking abilities are tested. You’ll encounter questions that assess your problem-solving skills, critical thinking, and ability to make logical deductions. Common topics include puzzles, seating arrangements, coding-decoding, and more.

Quantitative Aptitude

This section assesses your mathematical and numerical aptitude. You’ll be asked questions on various mathematical topics such as arithmetic, algebra, geometry, and data interpretation. The goal is to evaluate your ability to work with numbers and solve quantitative problems.

What is the Structure of SBI CBO Descriptive Test?

The SBI CBO (State Bank of India Circle Based Officer) Descriptive Test typically consists of a single descriptive paper. This paper assesses the candidate’s ability to express their thoughts clearly and effectively in written English. The structure of the SBI CBO Descriptive Test may include the following components:

  1. Essay Writing: Candidates are usually required to write an essay on a given topic. The topics can vary and may be related to current affairs, social issues, economic developments, or other relevant subjects. Candidates must provide well-structured and coherent essays within a specified word limit.
  2. Letter Writing: This section typically requires candidates to write a formal letter. The letter could be addressed to a bank manager, government authority, or other relevant recipient. The format and content of the letter should adhere to formal business communication standards.

What is the Pay-scale of SBI CBO?

The pay scale of SBI CBO (Circle Based Officer) is typically mentioned as follows:

Pay Scale: INR 36,000-1490/7-46430-1740/2-49910-1990/7-63840

The starting basic pay for an SBI CBO is INR 36,000. The salary structure includes various components, and the exact in-hand salary may vary based on location, allowances, deductions, and other benefits.

It is important to note that the salary details mentioned above are based on the available search results and may be subject to change. For the most accurate and up-to-date information regarding the pay scale and salary structure of SBI CBO, it is advisable to refer to the official SBI CBO notification or related official sources.

What is the Age Criteria of SBI CBO?

The age criteria for SBI CBO (Circle Based Officer) is typically mentioned as follows:

Candidates must be between 21 and 30 years of age on a specific date mentioned in the official notification. The upper age limit may vary slightly from year to year, so it is essential to refer to the official SBI CBO notification for the exact age limit criteria.

SBI also provides age relaxation for candidates belonging to specific categories. The age relaxation details may vary, but based on the available search results, the following age relaxations are mentioned:

  • SC/ST: 5 years relaxation in the upper age limit.
  • OBC (Non-creamy): 3 years relaxation in the upper age limit.
  • General PWD/EWS: 10 years relaxation in the upper age limit.
  • PWD (SC/ST): 15 years relaxation in the upper age limit.
  • PWD (OBC): 13 years relaxation in the upper age limit.

It is important to note that the age criteria and age relaxations mentioned above are based on the available search results and may be subject to change. For the most accurate and up-to-date information regarding the age criteria and age relaxations for SBI CBO, it is advisable to refer to the official SBI CBO notification or related official sources.


SBI CBO, or State Bank of India Customer Business Owner, is a role dedicated to providing customers with personalized banking services and solutions. This specialized role ensures that customers receive the attention and assistance they need to achieve their financial goals. If you seek a banking experience that goes above and beyond, consider contacting an SBI CBO. Don’t miss out on the benefits of SBI CBO – explore this exciting opportunity with the State Bank of India and take your banking experience to the next level.