Indian Overseas Bank Apprentice Recruitment 2026, Exam Pattern, Stipend & Apply Online OPEN

Indian Overseas Bank (IOB) Apprentice Recruitment 2026 — Overview

Important Dates 2026

• Notification Release Date: 06 July 2026
• Opening Date of Online Application (NAPS, NATS & BEEP): 07 July 2026
• Closing Date of Online Application (NAPS & NATS): 20 July 2026
• Payment of Application Fee on BEEP: 07 July 2026 to 22 July 2026
• Online Examination Date (Tentative): 02 August 2026
• Admit Card Release: Before Exam Date (Exact date to be intimated by BFSI SSC via email)
• Test of Local Language: Conducted during Document Verification stage (post written exam)
• Document Verification / Personal Interaction: Date to be intimated separately after written exam result

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Nationality

• Candidate must be a Citizen of India
• Merely applying for / being shortlisted / appearing for document verification or personal interaction does not guarantee engagement in the Bank

Age Limit & Educational Qualification

Age Relaxation

• SC/ST/OBC age relaxation is on cumulative basis with only one other applicable relaxation category
• Candidates registered under NAPS (National Apprenticeship Promotion Scheme) must be less than 34 years as on 01.07.2026
• No reservation/relaxation is available for Ex-Servicemen / Disabled Ex-Servicemen in this apprentice engagement

Application Fee / Examination Fee (Non-Refundable)

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Stipend Details 2026

*Includes Government Subsidy Component. Break-up for candidates selected under NATS (Government share of ₹6,150 is credited directly via DBT; balance is paid by the Bank):

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IOB Apprentice 2026 — Category-Wise Vacancy (All-India)

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IOB Apprentice 2026 — Complete State/UT-Wise Vacancy Table

Online Written Examination Pattern 2026

• Intimation of exact exam date & time will be sent by BFSI SSC via email to all fee-paid applicants
• Candidates must display the same ID proof (for camera capture) that was uploaded during application
• Except for PwBD candidates, no other person is allowed near the candidate while attempting the online exam
• Candidates must score a minimum aggregate percentage (as decided by the Bank); SC/ST/OBC/PwBD get a 5% relaxation on this cut-off
• No minimum qualifying marks are prescribed for individual subjects — only the aggregate cut-off matters
• Merit list is prepared based on aggregate marks; in case of a tie, the senior candidate (by age) ranks higher

Complete Selection Process 2026

• Stage 1 — Online Written Examination: Objective type test (100 questions, 100 marks, 90 minutes) covering General/Financial Awareness, English, Quant & Reasoning, and Computer/Subject Knowledge
• Stage 2 — Test of Local Language: Conducted during Document Verification; candidates must be proficient in the local language of the applied state (reading, writing, speaking, understanding). Exempted if 10th/12th mark sheet shows the specified language was studied
• Stage 3 — Document Verification / Personal Interaction: Physical verification of original documents at a Bank-designated centre; candidates attend at their own expense
• Stage 4 — Medical Fitness Certification: Final engagement is subject to being declared medically fit by a Bank-appointed practitioner or via MBBS certification
• Final Selection: Merit-based, subject to reservation rules, qualifying the local language test, and satisfactory document/character/caste verification
• Wait-list: A state-category-wise waitlist is maintained for 1 year from the result date or next engagement cycle, whichever is earlier

How to Apply Online for IOB Apprentice 2026 — Step by Step

• First, complete registration on the NATS portal (nats.education.gov.in) OR the NAPS portal (apprenticeshipindia.gov.in) before applying to IOB — you’ll need your NATS/NAPS Enrolment Number for the IOB form
• Visit the application portal — beep.bfsissc.com (or www.iob.bank.in careers page, which redirects here)
• NATS-registered candidates: Log in at nats.education.gov.in using your user ID and password, then go to “Apply against advertised vacancies” and select Indian Overseas Bank
• NAPS-registered candidates: Go to apprenticeshipindia.gov.in → Opportunities → search “Indian Overseas Bank” → click “View” → click “Apply for this Opportunity”
• Complete the online application form for “IOB Apprenticeship Program FY 2026-27” on the BEEP portal, entering your NATS/NAPS enrolment number
• Select only ONE State/UT for engagement — preferably your home state, as no changes are allowed later
• Upload the required scanned documents (Photo, Signature, ID Proof, Certificates, etc.) as per the prescribed format/size
• Pay the applicable Application/Examination Fee online through the BEEP portal (Debit/Credit Card, Net Banking, or UPI)
• Review the application carefully before final submission — no withdrawal or correction is allowed once submitted
• Save/print a copy of the submitted application; you will also receive a confirmation copy on your registered email

Documents Required at Document Verification / Personal Interaction

• Printout of the valid communication/call letter for Document Verification / Personal Interaction
• Printout of the confirmation email from BFSI SSC (with submitted application data)
• Proof of Date of Birth (Birth Certificate or SSLC/Std. X Certificate showing DOB)
• Photo Identity Proof — Passport / Aadhaar / e-Aadhaar / PAN Card / Driving Licence / Voter’s Card
• Consolidated Mark Sheets & Certificates for the required Educational Qualification (Graduation)
• Caste Certificate (SC/ST/OBC/EWS) in the prescribed Government of India format, wherever applicable
• OBC Certificate must contain the Non-Creamy Layer clause, valid as on the date of verification (issued on/after 01.04.2026)
• Disability Certificate in prescribed format issued by the District Medical Board (for PwBD category)
• 10th/12th mark sheet as proof of local language proficiency (if seeking exemption from the local language test)
• Any other document relevant to supporting eligibility, as specified by the Bank

Note: All documents must be produced in ORIGINAL along with a self-attested photocopy. Non-submission may lead to disqualification from the engagement process.

Important Terms & Conditions of Apprenticeship

• Apprentices are NOT treated as employees of IOB and are not entitled to regular employee benefits
• Bank has no obligation to offer regular employment to apprentices during or after the training period
• Candidates must NOT have undergone apprenticeship earlier (in IOB or any other organisation) or have 1+ year of job/training experience after graduation
• No reservation or eligibility for Ex-Servicemen / Disabled Ex-Servicemen in this apprentice engagement
• Training hours will match those applicable to the Bank’s Clerical staff
• Apprentices get 1 day Casual Leave per month (12 days/year total); maximum 4 days leave can be availed at a time; no other type of leave applies
• Unauthorised absence beyond entitled leave is treated as Leave Without Pay, with proportionate stipend deduction
• No provision for Transport, Hostel, or any residential accommodation during the training period
• At the end of the 1-year training, apprentices undergo a final assessment; an Apprenticeship Certificate is issued based on performance
• Apprenticeship contract can be terminated early for unauthorised absence, poor performance, misconduct, or actions prejudicial to the Bank’s interest

EWS (Economically Weaker Section) — Key Conditions

• Applicable to candidates not covered under SC/ST/OBC reservation, with family gross annual income below ₹8 lakh (all income sources combined, for the financial year prior to application)
• Excluded from EWS if family owns: 5+ acres agricultural land, 1000+ sq. ft. residential flat, 100+ sq. yards residential plot (notified municipalities), or 200+ sq. yards plot (other areas)
• Property/assets held by the family across different locations are clubbed together for this test
• Requires an Income & Asset Certificate from a Competent Authority, valid for FY 2026-27, in the prescribed Government format
• EWS seats are tentative and subject to further Government of India directives / litigation outcomes

Persons with Benchmark Disabilities (PwBD) — Eligible Categories

• OC (Orthopedically Challenged): Includes Cerebral Palsy, Leprosy Cured, Dwarfism, Muscular Dystrophy, Acid Attack Victims, Spinal Deformity/Injury (Locomotor Disability)
• VI (Visually Impaired): Blindness (visual acuity <3/60 or field of vision <10°) or Low Vision (visual acuity up to 6/18 or field of vision up to 40°–10°)
• HI (Hearing Impaired): Deaf (70dB+ hearing loss) or Hard of Hearing (60–70dB hearing loss) in both ears
• ID (Intellectual Disability): Includes Autism Spectrum Disorder, Specific Learning Disability (dyslexia, dysgraphia, dyscalculia, dyspraxia), Mental Illness, and Multiple Disabilities
• Only candidates with “Benchmark Disability” (40%+ specified disability, certified by a competent authority) are eligible for PwBD reservation
• PwBD reservation is on a horizontal basis — selected candidates are placed in their appropriate category (SC/ST/OBC/EWS/UR) as applicable

Reasons for Disqualification / Action Against Misconduct

• Using unfair means during any stage of the selection process
• Impersonation or procuring impersonation by another person
• Misbehaviour with Bank/BFSI SSC officials, or photographing exam questions from screen
• Canvassing for one’s own candidature, in any form
• Furnishing false, incorrect, tampered, or fabricated information/documents, or concealing material facts
• Such candidates may face disqualification, debarment (permanent or time-bound) from Bank exams, and/or criminal prosecution

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