Punjab & Sind Bank, a leading public sector bank under the Government of India, has announced an excellent career opportunity for professionals through lateral recruitment of Specialist Officers (SO) in Middle Management Grade Scale-II (MMGS-II) on a regular basis.
The bank has released 190 vacancies across two specialist categories – Credit Managers and Agriculture Managers – for candidates with relevant qualifications and experience. The recruitment process will be conducted online, and interested candidates must carefully review the eligibility, selection procedure, and application guidelines before applying.
If you are aspiring to build a long-term banking career in a government-owned bank, this is your chance to apply for a stable, high-responsibility managerial role.
Key Highlights of Punjab & Sind Bank SO Recruitment 2025
- Recruiting Authority: Punjab & Sind Bank (A Government of India Undertaking)
- Post Name: Specialist Officers (Credit Manager & Agriculture Manager)
- Scale: MMGS-II (Middle Management Grade Scale-II)
- Total Vacancies: 190
- Application Mode: Online
- Online Application Start Date: 19th September 2025
- Last Date to Apply Online: 10th October 2025
- Selection Process: Written Exam & Interview (with document verification)
Important Dates
| Event | Date |
|---|---|
| Online Application Start Date | 19th September 2025 |
| Last Date to Apply Online | 10th October 2025 |
| Payment of Application Fees | 19.09.2025 – 10.10.2025 |
| Correction Window / Edit Details | Till 10.10.2025 |
| Exam Date / Interview Schedule | To be notified later on Bank’s website |
Vacancy Details & Reservation
Punjab & Sind Bank has announced 190 posts for Specialist Officers in MMGS-II. The distribution of vacancies is as follows:
| Post Name | Scale | SC | ST | OBC | EWS | UR | Total | PwBD Reservation* |
|---|---|---|---|---|---|---|---|---|
| Credit Manager | MMGS-II | 19 | 9 | 35 | 13 | 54 | 130 | VI-1, HI-1, OC-1, MD/ID-1 |
| Agriculture Manager | MMGS-II | 9 | 4 | 16 | 6 | 25 | 60 | VI-1, OC-1 |
| Total | 28 | 13 | 51 | 19 | 79 | 190 | 5 |
*PwBD – Persons with Benchmark Disabilities as per “The Rights of Persons with Disabilities Act, 2016”.
Note: The number of vacancies is provisional and may increase or decrease as per the bank’s requirements.
Eligibility Criteria
Candidates must ensure they meet the required nationality, age, educational qualification, and experience before applying.
1. Nationality / Citizenship
Applicant must be:
- A citizen of India, OR
- A subject of Nepal or Bhutan, OR
- A Tibetan refugee who came to India before 1st January 1962 to settle permanently, OR
- A person of Indian origin who migrated from Pakistan, Burma, Sri Lanka, East African countries, Zambia, Malawi, Zaire, Ethiopia, or Vietnam to settle permanently in India.
Candidates under categories (other than Indian citizens) must hold an eligibility certificate issued by the Government of India.
2. Age Limit (as on 01.09.2025)
- Minimum Age: 23 years
- Maximum Age: 35 years
(Candidates must have been born between 02.09.1990 and 01.09.2002 inclusive.)
Age Relaxation:
- SC/ST: 5 years
- OBC (Non-Creamy Layer): 3 years
- PwBD: 10 years
- Ex-Servicemen: 5 years
- Persons affected by 1984 riots: 5 years
3. Educational Qualification & Work Experience
(A) Credit Manager – MMGS-II
- Qualification:
- Graduation in any discipline with at least 60% marks (55% for SC/ST/OBC/PwBD).
- OR Professional degree such as CA / CMA / CFA / MBA (Finance) from a recognized institute.
- Experience:
- Minimum 3 years of post-qualification experience as Branch Manager, or in Credit Appraisal/Processing in a Scheduled Commercial Bank.
(B) Agriculture Manager – MMGS-II
- Qualification:
- Bachelor’s degree in Agriculture / Horticulture / Animal Husbandry / Forestry / Veterinary Science / Agriculture Engineering / Pisciculture / Dairy or equivalent, with 60% marks (55% for SC/ST/OBC/PwBD).
- Experience:
- Minimum 3 years of post-qualification experience in the relevant field as an officer in a Scheduled Commercial Bank.
Important Notes on Qualification:
- Candidates must calculate percentages correctly and provide a conversion certificate if their university awards CGPA/OGPA.
- 59.99% will not be rounded to 60%. Similarly, 54.99% will not be considered as 55%.
- Experience certificates must be submitted as proof during the application and interview stages.
Roles & Responsibilities
Selected candidates will be appointed as Specialist Officers in MMGS-II with responsibilities aligned to their field.
Credit Manager:
- Credit appraisal, processing, and operations.
- Customer relationship management and acquisition.
- Sales and business development.
- Branch operations and management.
- Any other task assigned by higher authorities.
Agriculture Manager:
- Promoting and managing agricultural finance products.
- Facilitating government schemes for farmers and agri-entrepreneurs.
- Customer acquisition and relationship building.
- Branch management and field-level operations.
- Other duties as assigned by the Bank.
Salary & Benefits
Specialist Officers in MMGS-II will receive salary and allowances as per the IBA (Indian Banks’ Association) guidelines for public sector banks.
- Basic Pay: ₹48,170/- – ₹69,810/- (Approx.)
- Fixed Emoluments: DA, HRA, CCA, Medical, Pension, and other perks as per bank rules.
- Annual CTC (approx.): ₹10–12 lakhs depending on posting and allowances.
Selection Process
The selection procedure for Punjab & Sind Bank Specialist Officers includes:
- Online Written Examination (if conducted depending on applications received)
- Personal Interview
- Document Verification and Medical Test
Final selection will be based on performance in interview plus written test (if applicable) and fulfillment of eligibility criteria.
How to Apply
Eligible candidates must apply online through the official website of Punjab & Sind Bank.
Step-by-Step Process:
- Visit the official careers page.
- Click on “Recruitment of Specialist Officers in MMGS-II”.
- Register with valid email ID and mobile number.
- Fill in personal, educational, and experience details.
- Upload scanned documents (photo, signature, certificates).
- Pay application fee online.
- Submit the form and take a printout for future reference.
Application Fees
- SC/ST/PwBD candidates: ₹200/- + GST (if applicable)
- All Others (UR/OBC/EWS): ₹850/- + GST (if applicable)
Fee once paid will not be refunded.
General Instructions for Applicants
- Ensure eligibility before applying; incomplete or incorrect applications will be rejected.
- All updates, corrigenda, and announcements will be uploaded only on the official website – no separate letters will be sent.
- Present employees of Punjab & Sind Bank are not eligible to apply.
- SC/ST/OBC/EWS candidates must submit valid certificates in the prescribed format.
- PwBD candidates must have 40% or more disability certified by a District Medical Board.
- Any candidate terminated or removed from service by a previous employer will not be considered.
Why Join Punjab & Sind Bank as a Specialist Officer?
- A stable government job in the public banking sector.
- Competitive pay with allowances and benefits.
- Exposure to both credit and agriculture financing – two pillars of India’s banking growth.
- Opportunities for career progression into senior managerial roles.
- A chance to serve customers, MSMEs, farmers, and entrepreneurs across India.
