IOB SO Recruitment 2026: Indian Overseas Bank (IOB) has invited online applications for 291 Generalist and Specialist Officer posts across different grades. The recruitment includes positions in branch management, IT, information security, credit, risk, database administration, network administration, cybersecurity and security administration.
The online application process has started on August 29, 2026, and eligible candidates can submit their applications until September 15, 2026.
Unlike entry-level bank recruitments, these IOB Specialist Officer vacancies are aimed at candidates with relevant professional qualifications and post-qualification work experience. Depending on the post, candidates may need a graduate degree, engineering qualification, MBA, MCA, CA/CMA or another prescribed technical qualification.
The selection process includes an online examination followed by a personal interview. Candidates who are shortlisted must also complete document verification and the required medical examination.
IOB SO Recruitment 2026: Highlights
| Organization | Indian Overseas Bank |
| Recruitment | Generalist & Specialist Officers |
| Advertisement No. | HRDD/RECT/04/2026-27 |
| Total Vacancies | 291 |
| Grades | JMGS I, MMGS II & MMGS III |
| Application Mode | Online |
| Application Start Date | August 29, 2026 |
| Last Date to Apply | September 15, 2026 |
| Selection Process | Online Exam + Personal Interview |
| Eligibility Date | August 1, 2026 |
| Job Location | As per IOB requirements |
| Official Website | iob.bank.in |
IOB SO Vacancy 2026
Indian Overseas Bank has announced 291 vacancies for Generalist and Specialist Officer positions across different grades.
The vacancies cover both banking and technology-related roles. Here is the post-wise breakdown:
| Post | Vacancies | SC | ST | OBC | EWS | UR | PwBD |
|---|---|---|---|---|---|---|---|
| Manager (Branch Management) | 100 | 15 | 7 | 27 | 10 | 41 | 4 |
| Manager (IT) | 65 | 10 | 5 | 18 | 7 | 25 | 3 |
| Manager (Information Security) | 5 | 1 | 1 | 2 | 1 | 0 | 1 |
| Manager (IS Audit) | 5 | 1 | 1 | 2 | 1 | 0 | 1 |
| Senior Manager (IT) | 10 | 2 | 1 | 3 | 1 | 3 | 0 |
| Senior Manager (Information Security) | 3 | 1 | 0 | 1 | 1 | 0 | 0 |
| Senior Manager (IS Audit) | 2 | 1 | 1 | 0 | 0 | 0 | 0 |
| Senior Manager (Database Administrator) | 10 | 1 | 0 | 2 | 1 | 6 | 0 |
| Senior Manager (Network Administrator) | 5 | 0 | 0 | 1 | 0 | 4 | 0 |
| Senior Manager (Cyber Security Administrator) | 5 | 0 | 0 | 1 | 0 | 4 | 0 |
| Manager (Credit) | 35 | 8 | 3 | 11 | 2 | 11 | 2 |
| Senior Manager (Credit) | 15 | 2 | 1 | 4 | 1 | 7 | 0 |
| Senior Manager (Risk) | 6 | 1 | 0 | 1 | 1 | 3 | 1 |
| Assistant Manager (Security) | 25 | 3 | 1 | 6 | 2 | 13 | 1 |
| Total | 291 | 46 | 21 | 79 | 28 | 117 | 12 |
Who Should Apply for IOB Specialist Officer Recruitment?
This recruitment is mainly suitable for experienced banking, finance and IT professionals rather than fresh graduates.
For example, candidates with experience in branch banking may be eligible for the Branch Management post, while professionals working in cybersecurity, database administration, network security, IT infrastructure, credit or risk management can look at the corresponding specialist positions.
Because the eligibility requirements vary considerably from one post to another, candidates should check the qualification and experience requirements for their preferred position before applying.
IOB SO Eligibility Criteria 2026
Candidates must satisfy the prescribed educational qualification, age limit and work-experience requirements. The eligibility conditions are calculated with reference to August 1, 2026, according to the supplied recruitment details.
Educational Qualification
The required qualification depends on the position.
| Post | Minimum Educational Qualification |
|---|---|
| Manager (Branch Management) | Graduation in any discipline from a recognized university |
| Manager (IT) / Senior Manager (IT) | B.E./B.Tech in CS, IT, ECE, E&I, or MCA/M.Sc. in Computer Science/IT |
| Manager (Information Security) | B.E./B.Tech or M.E./M.Tech in CS, IT, ECE, Cyber Security or Information Security |
| Manager (IS Audit) | B.E./B.Tech or M.E./M.Tech in relevant technical fields; MCA accepted as prescribed |
| Senior Manager (Database Administrator) | B.E./B.Tech in CS, IT, ECE, E&I, or MCA/M.Sc. in Computer Science/IT |
| Senior Manager (Network Administrator) | B.E./B.Tech or M.Tech in CS, IT, ECE, E&I, or MCA |
| Senior Manager (Cyber Security Administrator) | B.E./B.Tech or M.E./M.Tech in CS, IT, ECE, Cyber Security or Information Security |
| Manager / Senior Manager (Credit) | Graduation with MBA Finance/PGDBA/PGDBM/MMS Finance, or CA/CMA |
| Senior Manager (Risk) | Graduation with MBA Finance/PGDM Finance/PGDBF/MFM/MFC/Master’s in Mathematics, Statistics or Economics, or prescribed GARP/PRMIA certification |
| Assistant Manager (Security) | Graduation in any discipline with the prescribed computer/IT qualification |
Candidates should refer to the detailed notification for the complete qualification requirements applicable to each post.
IOB SO Age Limit 2026
The age limit depends on the post and is calculated as of August 1, 2026.
| Post | Minimum Age | Maximum Age |
|---|---|---|
| Manager (Information Security) / Manager (IS Audit) | 22 years | 32 years |
| Manager (Branch Management) | 23 years | 33 years |
| Manager (Credit) | 23 years | 33 years |
| Manager (IT) | 25 years | 35 years |
| Senior Manager (IS, IS Audit, Network, Cyber Security, Credit, Risk) | 25 years | 35 years |
| Senior Manager (IT) / Senior Manager (Database Administrator) | 28 years | 38 years |
| Assistant Manager (Security) | 30 years | 45 years |
Age Relaxation
Reserved-category candidates can claim applicable age relaxation as per the prescribed government rules.
| Category | Age Relaxation |
|---|---|
| OBC (Non-Creamy Layer) | 3 years |
| SC/ST | 5 years |
| Ex-Servicemen / Commissioned Officers | 5 years |
| Persons Affected by 1984 Riots | 5 years |
| PwBD | 10 years |
Candidates claiming relaxation should have the required supporting certificate in the prescribed format.
IOB SO Work Experience Requirement
Work experience is an important part of this recruitment. Candidates must have the prescribed post-qualification experience, and the required experience differs significantly between posts.
Some examples include:
- Manager (Branch Management): At least 3 years as an officer in a Scheduled Commercial Bank, including at least 2 years of branch banking experience.
- Manager (IT): At least 5 years of post-qualification IT experience, including the prescribed banking/BFSI experience.
- Manager (Information Security): At least 2 years in areas such as application security testing, API assessment, source-code review or red teaming.
- Senior Manager (IT): At least 8 years of relevant IT experience, including the prescribed banking/BFSI experience.
- Database Administrator: At least 8 years of database administration experience, including the required production and banking/BFSI experience.
- Network Administrator: At least 5 years of experience in network operations and network security.
- Cyber Security Administrator: At least 5 years of experience in areas such as SOC, incident response, SIEM/XDR, IAM or network security architecture.
- Manager (Credit): At least 3 years of experience in a bank or financial institution, including the prescribed credit experience.
- Senior Manager (Credit): At least 6 years of relevant experience, including credit appraisal and lending operations.
- Senior Manager (Risk): At least 5 years of relevant experience in banking, financial institutions or NBFCs.
- Assistant Manager (Security): The prescribed experience is based on service in the Armed Forces, Police or Paramilitary forces.
Since experience requirements are post-specific, candidates should not rely on the general eligibility criteria alone.
IOB SO Salary 2026
Selected officers will receive salary according to the applicable public-sector banking pay scale.
| Grade | Basic Pay Scale | Service Indemnity Bond | Minimum Active Service |
|---|---|---|---|
| JMGS I | ₹48,480 – ₹85,290 | ₹2,00,000 | 3 years |
| MMGS II | ₹64,820 – ₹93,960 | ₹2,50,000 | 3 years |
| MMGS III | ₹85,920 – ₹1,05,280 | ₹2,50,000 | 3 years |
In addition to basic pay, officers may receive applicable allowances and benefits such as:
- Dearness Allowance (DA)
- House Rent Allowance (HRA)
- City Compensatory Allowance (CCA)
- Conveyance and fuel reimbursement
- Newspaper expenses
- Telephone/mobile bill reimbursement
- Residential accommodation or leased accommodation, as applicable
- Medical facilities
- Leave Fare Concession
- Contributory pension benefits
Candidates should read the notification carefully for the complete terms and conditions attached to the appointment.
IOB SO Selection Process 2026
The IOB Specialist Officer selection process consists of an online examination and personal interview, followed by document verification and medical examination for the final selection.
The final score is based on:
- Online Examination: 80%
- Personal Interview: 20%
Stage 1: Online Examination
The online test contains 100 objective-type questions for 100 marks.
There is also a negative marking of one-fourth of the marks assigned to the question for every incorrect answer.
The qualifying requirement mentioned in the recruitment details is:
- 35% for Unreserved candidates
- 30% for Reserved candidates
Stage 2: Personal Interview
Candidates who qualify for the next stage are called for a personal interview.
The interview carries 100 marks. Candidates are assessed on areas such as professional knowledge, role exposure and communication skills.
The prescribed interview qualifying marks are:
- 50% for Unreserved candidates
- 45% for Reserved candidates
Stage 3: Document Verification and Medical Examination
Candidates shortlisted for final selection must provide the required educational, experience and category documents.
They must also satisfy the bank’s prescribed medical fitness requirements.
IOB SO Exam Pattern 2026
The online examination consists of 100 questions for 100 marks and has a total duration of 2 hours.
The pattern differs between Generalist and Specialist Officer posts.
Generalist Officer – Branch Management
| Section | Questions | Marks | Time |
|---|---|---|---|
| English Language | 25 | 25 | 30 minutes |
| Professional Knowledge | 75 | 75 | 90 minutes |
| Total | 100 | 100 | 120 minutes |
The Professional Knowledge section covers areas such as banking law, economy, accounting and financial management.
Specialist Officer Posts
| Section | Questions | Marks | Time |
|---|---|---|---|
| English Language | 25 | 25 | 30 minutes |
| General Awareness – Banking Focus | 25 | 25 | 30 minutes |
| Professional Knowledge | 50 | 50 | 60 minutes |
| Total | 100 | 100 | 120 minutes |
For specialist posts, the Professional Knowledge section is based on the candidate’s relevant technical or professional domain.
IOB SO Application Fee 2026
Candidates must pay the prescribed application fee online while submitting the application.
| Category | Application Fee |
|---|---|
| General / OBC / EWS | ₹1,000 |
| SC / ST / PwBD | ₹175 |
The amounts above are inclusive of applicable GST as stated in the recruitment details.
The application fee is non-refundable, so candidates should make sure they are eligible for their selected post before completing the payment.
Documents Required for IOB SO Application
Candidates should keep their documents ready before starting the online application.
The important documents include:
- Recent passport-size photograph
- Live photograph, wherever required
- Scanned signature
- Left thumb impression
- Handwritten declaration
- Class 10 marksheet or birth certificate as date-of-birth proof
- Degree and mark sheets
- Professional qualification certificates
- Experience certificates
- Appointment and relieving letters
- Recent salary slips, wherever applicable
- Valid caste/category certificate, if applicable
- EWS certificate, where applicable
- PwBD certificate, where applicable
- Government-issued photo ID
Photograph, Signature and Other Uploads
According to the supplied application instructions:
- Photograph: JPEG, 20 KB to 50 KB
- Signature: JPEG, 10 KB to 20 KB
- Left thumb impression: JPEG, 20 KB to 50 KB
- Handwritten declaration: JPEG, 50 KB to 100 KB
Candidates should ensure that all scanned documents are clear and readable before uploading them.
How to Apply for IOB SO Recruitment 2026
Eligible candidates can apply online through the Careers section of the Indian Overseas Bank website.
Step-by-step guide
Step 1: Visit the Indian Overseas Bank official website and open the Careers section.
Step 2: Find the recruitment notice titled “Recruitment of Generalist / Specialist Officers in Various Scales – 2026-27.”
Step 3: Select the option to register online.
Step 4: Complete the initial registration using your active mobile number and email address.
Step 5: Note down the Registration Number and Password generated during registration.
Step 6: Log in and enter your personal details, educational qualifications, category information and work experience.
Step 7: Upload the photograph, signature, thumb impression and handwritten declaration in the prescribed format.
Step 8: Carefully check the complete application before final submission.
Step 9: Pay the applicable application fee through the available online payment methods.
Step 10: Download the completed application form and payment receipt and keep them safely for future reference.
IOB SO Recruitment 2026: Important Dates
| Event | Date |
|---|---|
| Notification Release | August 28, 2026 |
| Online Registration Begins | August 29, 2026 |
| Online Registration Ends | September 15, 2026 |
| Fee Payment | August 29 to September 15, 2026 |
| Eligibility Cut-off Date | August 1, 2026 |
| Online Examination | To be announced |
| Personal Interview | To be announced |
Candidates should keep checking the official IOB website for updates regarding the examination and interview schedule.
IOB SO Recruitment 2026: Important Links
Apply Online: Use the official IOB/IBPS registration portal provided in the recruitment notification.
Official Notification: Advertisement No. HRDD/RECT/04/2026-27.
Official Website: Indian Overseas Bank – iob.bank.in.
What Candidates Should Do Before Applying
IOB SO recruitment is different from most general bank recruitment because relevant professional experience is a major eligibility requirement.
Before starting the application, candidates should therefore check three things first:
- Does my qualification match the post?
- Do I have the required post-qualification experience?
- Am I within the prescribed age limit as of August 1, 2026?
If the answer to all three is yes, keep your experience certificates and educational documents ready before filling out the form.
This is especially important for IT, cybersecurity, credit, risk and other specialist positions, where the required experience is closely linked to the job profile.
IOB SO Recruitment 2026: FAQs
How many vacancies are there in IOB SO Recruitment 2026?
Indian Overseas Bank has announced 291 vacancies for Generalist and Specialist Officer posts across different grades.
What is the last date to apply for IOB SO Recruitment 2026?
The last date for online registration and fee payment is September 15, 2026.
What is the age limit for IOB Specialist Officer posts?
The age limit varies according to the post. The minimum and maximum ages range from 22 to 45 years, depending on the position.
Is work experience required for IOB SO Recruitment 2026?
Yes. The recruitment requires relevant post-qualification work experience, with the exact requirement varying by post.
What is the IOB SO application fee?
The fee is ₹1,000 for General, OBC and EWS candidates and ₹175 for SC, ST and PwBD candidates, as stated in the recruitment details.
Is there negative marking in the IOB SO exam?
Yes. One-fourth of the marks assigned to a question is deducted for each incorrect answer.
What is the selection process for IOB SO Recruitment 2026?
Candidates are selected through an online examination and personal interview, followed by document verification and medical examination. The final weightage is 80% for the online examination and 20% for the interview.
What is the salary of an IOB Specialist Officer?
The basic pay scale ranges from ₹48,480 to ₹85,290 for JMGS I, ₹64,820 to ₹93,960 for MMGS II, and ₹85,920 to ₹1,05,280 for MMGS III, according to the supplied recruitment details.
When will the IOB SO exam be conducted?
The online examination and interview dates are yet to be announced in the supplied schedule. Candidates should check the official IOB website for further updates.
Final Takeaway
The IOB SO Recruitment 2026 is worth considering for experienced professionals looking to move into a public-sector banking career. With 291 vacancies across Generalist and Specialist Officer roles, the recruitment covers a wide range of backgrounds, from branch banking and credit to IT, cybersecurity, risk and information security.
However, this is not a recruitment where simply having a degree is enough. The required post-qualification experience is an important part of eligibility, and the conditions differ from one position to another.
If you meet the qualification, experience and age requirements, make sure that you fill out the application well before the deadline of September 15, 2026. Make sure that you keep all copies of the application form as well as payment slips. You can start preparing for the examination and interview process at the same time.
Candidates must always refer to the latest recruitment notification issued by Indian Overseas Bank for the application process guidelines, dates, and eligibility criteria.
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