Banking & Insurance · IBPS · Updated October 2026
IBPS SO ExamEligibility, Syllabus, Exam Pattern, Salary, Cut-Off, PYQs and Free Mock Test
IBPS Specialist Officer (SO)
Conducted by the IBPS, the Specialist Officer exam recruits Scale-I domain experts including IT Officers, Agricultural Field Officers (AFO), Law Officers, HR/Personnel Officers, Marketing Officers, and Rajbhasha Adhikaris in public sector banks. Candidates clear an aptitude Preliminary test before taking a dedicated Professional Knowledge Mains and Interview.
- Type
- Recruitment
- Level
- National
- Conducting body
- IBPS
Start for free with IBPS SO syllabus study notes, solved previous year papers, real-pattern mock tests and AI Tutor support.
IBPS SO exam overview and highlights
About IBPS SO
IBPS SO (CRP SPL) recruits Specialist Officers in Scale I for participating public sector banks in streams such as IT, Agriculture, Law, HR, Marketing and Rajbhasha (Official Language). It is conducted by the Institute of Banking Personnel Selection and has an online Prelims, an online Mains focused on professional knowledge, and an interview. Eligibility depends on the stream, with specific degrees required for each post.
The examination process for IBPS SO comprises 3 stages: Prelims, followed by Mains, followed by Interview. The official syllabus tests candidates across 7 core areas — English Language, Reasoning, Quantitative Aptitude, General Awareness (Law and Rajbhasha posts), Professional Knowledge: IT Officer, Professional Knowledge: Agricultural Field Officer, Professional Knowledge: Law, HR and Marketing — focusing on conceptual clarity, speed, and accuracy. Prelims is qualifying only. The Mains professional knowledge paper and the interview decide the final merit in an 80:20 ratio, followed by provisional allotment to a participating bank.
Key subjects
- English Language
- Reasoning
- Quantitative Aptitude
- General Awareness (Law and Rajbhasha posts)
- Professional Knowledge: IT Officer
- Professional Knowledge: Agricultural Field Officer
- Professional Knowledge: Law, HR and Marketing
What clearing IBPS SO leads to
- IT Officer (Scale I)
- Agricultural Field Officer (Scale I)
- Rajbhasha Adhikari (Scale I)
- Law Officer (Scale I)
- HR/Personnel Officer (Scale I)
- Marketing Officer (Scale I)
Quick facts
- Full name
- IBPS Specialist Officer (SO)
- Conducting body
- Institute of Banking Personnel Selection (IBPS)
- Frequency
- Once a year
- Exam mode
- Online (computer-based test)
- Languages
- English and Hindi
- Stages & papers
- 3 stages (7 papers total)
- Negative marking
- One-fourth of the marks assigned to a question is deducted for each wrong answer
- Official website
- www.ibps.in
IBPS SO — Key Highlights & Official Particulars
Complete snapshot of IBPS SO conducting authority, frequency, mode, stages, negative marking and official portal.
| Particulars | Details |
|---|---|
| Exam Name | IBPS SO — IBPS Specialist Officer (SO) |
| Conducting Body | Institute of Banking Personnel Selection (IBPS) |
| Exam Category | Banking & Insurance |
| Exam Level | National level |
| Exam Type & Purpose | Recruitment (Direct Recruitment & Cadre Selection) |
| Exam Frequency | Once a year |
| Usual Notification & Exam Window | Notification around July or August; Prelims in November; Mains in December; interviews in February |
| Mode of Application | Online on ibps.in, selecting one specialist stream |
| Mode of Examination | Online (computer-based test) |
| Medium / Exam Languages | English and Hindi |
| Selection Stages | 3 Stages (7 Papers Total): Prelims → Mains → Interview |
| Negative Marking | One-fourth of the marks assigned to a question is deducted for each wrong answer |
| Selection / Merit Process | Prelims is qualifying only. The Mains professional knowledge paper and the interview decide the final merit in an 80:20 ratio, followed by provisional allotment to a participating bank. |
| Educational Qualification | Stream-specific: for example, a degree in engineering or computer science for IT Officer, a degree in agriculture or allied sciences for Agricultural Field Officer, a law degree for Law Officer, a postgraduate degree or diploma in HR or personnel management for HR/Personnel Officer, an MBA or postgraduate diploma in marketing for Marketing Officer, and a postgraduate degree in Hindi or Sanskrit with English as a subject for Rajbhasha Adhikari |
| Age Limit | 20 to 30 years, with relaxation for reserved categories as per government rules |
| Pay Scale / Salary Structure | Junior Management Grade Scale I officer pay, the same scale as a probationary officer, plus allowances |
| Merit Panel Validity | Valid for the notified recruitment cycle and reserve list period |
| Competition Scale | Fewer applicants than IBPS PO, for a few hundred to a couple of thousand posts spread across the specialist streams |
| Official Website | www.ibps.in |
Summary for orientation only, last reviewed October 2026. Check eligibility, dates and pattern in the official notification.
IBPS SO exam schedule, vacancy, fee and online application process
Standard annual cycle and application workflow for IBPS SO. Confirm exact notification and closing dates on the official IBPS website.
| Examination Event | Typical Calendar Window | Cycle / Mode |
|---|---|---|
| IBPS SO Official Notification & Information Bulletin | Notification around July or August; Prelims in November; Mains in December; interviews in February | Once a year |
| Online Registration & Application Fee Window | Typically remains open for 21 to 30 days from the date of notification release | Online Portal |
| Application Form Correction / Edit Window | 2 to 5 days immediately following the close of the online registration window | As Notified |
| Exam City Intimation & Admit Card Release | City slip 10–15 days prior; Hall Ticket / E-Admit Card 4 to 10 days before the exam date | Via Institute of Banking Personnel Selection (IBPS) |
| IBPS SO — Prelims | Notification around July or August; Prelims in November; Mains in December; interviews in February | Online (computer-based test) |
| IBPS SO — Mains | Typically 6 to 12 weeks after declaration of Stage 1 results | Shortlisted Candidates |
| Provisional Answer Key & Objection Representation Window | Within 3 to 10 days after completion of the objective examination shifts | Online Challenge |
| Final Answer Key, Normalized Result & Merit List / Scorecard | Typically 3 to 6 weeks after conclusion of the examination stage | Merit List PDF / Login |
- Vacancies & Competition
- Fewer applicants than IBPS PO, for a few hundred to a couple of thousand posts spread across the specialist streams. Exact post-wise, department-wise, and category-wise (UR, EWS, OBC, SC, ST, ESM, PwBD) vacancies are notified in the official IBPS SO recruitment advertisement published by Institute of Banking Personnel Selection (IBPS).
- Application Fee & Payment Norms
- Standard Banking & Insurance application fee slabs apply: typically ₹750 to ₹850 (inclusive of GST) for General/OBC/EWS candidates, and ₹125 to ₹175 (intimation charges only) for SC/ST/PwBD/Ex-Servicemen candidates via online payment.
How to apply online for IBPS SO
One-Time Registration (OTR) & Portal Login
Visit www.ibps.in and complete your candidate registration using a valid email ID, active mobile number, and Aadhaar / government photo ID details. Online on ibps.in, selecting one specialist stream.
Fill Academic, Personal & Exam Centre Preferences
Log in to open the IBPS SO application form. Enter your qualifying degree/board details, category/reservation status, medium of examination (English and Hindi), and choose 3 to 4 preferred test cities.
Upload Photograph, Signature & Category Certificates
Upload a recent passport-size photograph (in prescribed KB dimensions and light background), scanned running-hand signature, and valid SC/ST/OBC-NCL/EWS/PwBD/Domicile certificates where applicable.
Online Application Fee Payment & Confirmation Page
Pay the category-wise examination fee via UPI, Net Banking, Debit/Credit Card, or e-Challan before the closing deadline, then download and preserve the final IBPS SO Confirmation Page / Application PDF for admit card and verification stages.
IBPS SO eligibility criteria and age relaxation
Candidates applying for IBPS SO must fulfil the academic qualification, age limit, nationality and category reservation rules notified by IBPS.
Educational qualification
Stream-specific: for example, a degree in engineering or computer science for IT Officer, a degree in agriculture or allied sciences for Agricultural Field Officer, a law degree for Law Officer, a postgraduate degree or diploma in HR or personnel management for HR/Personnel Officer, an MBA or postgraduate diploma in marketing for Marketing Officer, and a postgraduate degree in Hindi or Sanskrit with English as a subject for Rajbhasha Adhikari.
Age limit & relaxations
20 to 30 years, with relaxation for reserved categories as per government rules.
Number of attempts
Unlimited attempts permitted as long as the candidate remains within the eligible category-wise upper age limit as on the crucial cut-off date.
Nationality & domicile
Citizen of India, or other categories permitted under the notification.
Other conditions & standards
Candidates must satisfy the prescribed medical fitness, character verification, and document authenticity norms (including valid EWS/OBC-NCL/SC/ST/PwBD certificates in the prescribed format) at the time of verification.
IBPS SO — Category-Wise Upper Age Relaxation & Reservation Norms
| Category | Age Relaxation / Rule | Key Conditions & Documentation |
|---|---|---|
| Scheduled Caste (SC) / Scheduled Tribe (ST) (Central Government Norms) | +5 Years above prescribed upper age limit | Requires valid SC/ST certificate in the prescribed Government of India format. |
| Other Backward Classes — Non-Creamy Layer (OBC-NCL) (Central Government Norms) | +3 Years above prescribed upper age limit | Candidate must fall outside the Creamy Layer as on the crucial closing date of the online application. |
| Persons with Benchmark Disabilities (PwBD — UR / OBC / SC-ST) | +10 Years (UR) / +13 Years (OBC) / +15 Years (SC/ST) | Subject to post suitability and 40%+ benchmark disability certificate under the RPwD Act, 2016. |
| Ex-Servicemen (ESM) & Commissioned Officers (ECO / SSCO) | +3 to 5 Years after deducting military service rendered from actual age | Must produce discharge book / NOC from the competent defence authority at document verification. |
IBPS SO selection process and exam pattern
Negative Marking & Evaluation Rule: One-fourth of the marks assigned to a question is deducted for each wrong answer. Selection & Merit Weightage: Prelims is qualifying only. The Mains professional knowledge paper and the interview decide the final merit in an 80:20 ratio, followed by provisional allotment to a participating bank.
Stage 1: Prelims
Online (computer-based test) • 4 Papers (English Language, Reasoning, Quantitative Aptitude (IT, Agriculture, HR, Marketing) + 1 more) • 200 Questions • 175 Total Marks • Duration: 40 minutes • A two-hour qualifying test of 150 questions.
A two-hour qualifying test of 150 questions. The three sections differ by post: Law Officer and Rajbhasha Adhikari candidates get General Awareness in place of Quantitative Aptitude. Prelims marks do not count in the final merit.
Paper / Section Questions Marks Duration English Language 50 25 40 minutes Reasoning 50 50 40 minutes Quantitative Aptitude (IT, Agriculture, HR, Marketing) 50 50 40 minutes General Awareness with special reference to banking (Law, Rajbhasha)In place of Quantitative Aptitude for these two posts 50 50 40 minutes Stage 2: Mains
Online (computer-based test) • 2 Papers (Professional Knowledge (IT, Agriculture, Law, HR, Marketing), Professional Knowledge, Rajbhasha Adhikari (objective plus descriptive)) • Questions: 60 • 120 Total Marks • Duration: 45 minutes • A single Professional Knowledge paper specific to the stream.
A single Professional Knowledge paper specific to the stream. For Rajbhasha Adhikari it has an objective and a descriptive part.
Paper / Section Questions Marks Duration Professional Knowledge (IT, Agriculture, Law, HR, Marketing) 60 60 45 minutes Professional Knowledge, Rajbhasha Adhikari (objective plus descriptive) 45 objective and 2 descriptive 60 30 minutes plus 30 minutes Stage 3: Interview
Online (computer-based test) • 1 Paper (Personal interview) • 100 Total Marks • A personal interview of 100 marks.
A personal interview of 100 marks. Mains and interview marks are combined in an 80:20 ratio for the final merit list.
Paper / Section Questions Marks Duration Personal interview Varies 100 Varies Stage 4: Document Verification, Medical Fitness & Final Cadre/Post Allotment
In-person verification by Institute of Banking Personnel Selection (IBPS) • Original academic, age, category & domicile certificates • Medical fitness examination & final merit allocation
Candidates shortlisted in the final merit list undergo thorough verification of original educational, age, category and domicile certificates followed by a prescribed medical fitness examination before appointment letters and cadre/department allotments are issued.
IBPS SO subject-wise syllabus and study material
SmartRank organizes chapter-wise study notes for every subject below in 12 languages, with an AI Tutor on hand for doubts. Start exploring for free, and unlock the complete syllabus with Learn or SmartRank Pass.
English Language — Part I (Reading comprehension)
- Reading comprehension
- Cloze test
- Error spotting
English Language — Part II (Para jumbles)
- Para jumbles
- Vocabulary
- Sentence correction
Reasoning: Puzzles and seating arrangement & Syllogism
- Puzzles and seating arrangement
- Syllogism
- Inequalities
- Coding and decoding
- Blood relations
- Input-output
- Logical reasoning
Quantitative Aptitude: Simplification & Number series
- Simplification
- Number series
- Data interpretation
- Arithmetic (percentage, ratio, interest)
- Time and work
- Quadratic equations
General Awareness (Law and Rajbhasha posts)
- Banking awareness
- Current affairs
- Financial institutions
- Government schemes
- Static GK
Professional Knowledge: IT Officer: Database management systems & Data structures and algorithms
- Database management systems
- Data structures and algorithms
- Operating systems
- Computer networks
- Software engineering
- Programming basics
- Information security
Professional Knowledge: Agricultural Field Officer
- Agronomy and crop production
- Soil science
- Horticulture
- Animal husbandry and dairy
- Agricultural economics and finance
- Rural development schemes
- Seed science and plant breeding
Professional Knowledge: Law, HR and Marketing
- Banking regulation and negotiable instruments (Law)
- Contract, company and consumer law (Law)
- Human resource planning and industrial relations (HR)
- Training, development and performance appraisal (HR)
- Marketing mix and segmentation (Marketing)
- Consumer behaviour and digital marketing (Marketing)
- Services marketing in banking (Marketing)
IBPS SO salary, pay scale, job profile & career growth
Junior Management Grade Scale I officer pay, the same scale as a probationary officer, plus allowances. Appointments under Institute of Banking Personnel Selection (IBPS) carry structured pay progression, statutory allowances, and time-bound departmental promotions.
Pay Scale & Grade Structure
Junior Management Grade Scale I officer pay, the same scale as a probationary officer, plus allowances.
Appointing / Cadre Authority
Institute of Banking Personnel Selection (IBPS) (Central Government / Public Sector Service)
Allowances & Perks
Dearness Allowance (DA), HRA (X/Y/Z cities: 30%/20%/10%), Transport Allowance, CGHS/Medical cover, LTC, and NPS contribution.
Probation & Training
Initial probation period (typically 1 to 2 years) with induction/foundation training before cadre confirmation.
Allowances, Perks & Service Benefits
- Dearness Allowance (DA) revised bi-annually in line with Consumer Price Index (AICPI)
- House Rent Allowance (HRA) or official government quarters / leased accommodation
- Transport Allowance (TA), Leave Travel Concession (LTC), and Children Education Allowance
- Comprehensive medical care (CGHS / ECHS / State Health Scheme) for employee and dependents
- National Pension System (NPS) employer contribution, gratuity, and paid maternity/paternity/study leave
Promotion Hierarchy & Career Progression
- Entry-Level Cadre Appointment (Post allotment & induction training under Institute of Banking Personnel Selection (IBPS))
- Senior / Higher Grade Scale via Time-Bound Financial Upgradation (MACP / Dynamic ACP)
- Sectional / Supervisory / Inspector / Assistant Executive Cadre via Departmental Promotion Committee (DPC) or LDCE
- Middle Management / Gazetted / Divisional Officer Scale
- Senior Administrative / Directorate / Executive Leadership Cadre
IBPS SO cut-off trends, score normalization and safe target score
Institute of Banking Personnel Selection (IBPS) releases stage-wise and category-wise IBPS SO cut-off marks at each stage (Prelims/Tier-I shortlisting, Mains/Tier-II evaluation, and Final Merit List). Candidates must clear both minimum qualifying standards and overall/sectional merit cut-offs to advance.
IBPS SO — Qualifying Standards & Safe Target Benchmarks
| Category | Qualifying Floor / Standard | Recommended Safe Target |
|---|---|---|
| General / Unreserved (UR) | 30% to 40% Minimum Qualifying Floor | 72% to 82% of Total Marks (95+ Percentile in Mock Tests) |
| General — Economically Weaker Section (GEN-EWS) | 25% to 35% Minimum Qualifying Floor | 68% to 78% of Total Marks |
| Other Backward Classes (OBC-NCL) | 25% to 35% Minimum Qualifying Floor | 68% to 78% of Total Marks |
| Scheduled Caste (SC) / Scheduled Tribe (ST) / PwBD | 20% to 30% Minimum Qualifying Floor | 58% to 70% of Total Marks |
Score Normalization & Marking Impact
When IBPS SO is conducted across multiple shifts or sessions, Institute of Banking Personnel Selection (IBPS) applies standard score normalization (Equi-Percentile or Mean-Standard Deviation method) to account for any variation in paper difficulty across shifts. Because raw marks are governed by one-fourth of the marks assigned to a question is deducted for each wrong answer, maintaining high accuracy (85%+) significantly boosts your normalized score.
Factors Determining IBPS SO Cut-Off
- Total number of notified vacancies / available seats across participating cadres and institutions
- Total number of registered vs actual appearing candidates in the IBPS SO cycle
- Relative difficulty level of the question paper (and shift-wise variation in multi-shift CBT exams)
- Category-wise vertical (UR, EWS, OBC-NCL, SC, ST) and horizontal (PwBD, ESM, Women) reservation ratios
- Previous year cut-off trajectory and candidate score distribution at the top percentiles
IBPS SO admit card, answer key and result guide
City slip 10–15 days prior • Admit Card 4–10 days before exam
IBPS SO Exam City Intimation & Admit Card
Institute of Banking Personnel Selection (IBPS) releases the advance Exam City Intimation Slip followed by the official IBPS SO Hall Ticket / e-Admit Card on www.ibps.in. No hard copy is sent by post; candidates must log in with their Registration Number and Date of Birth / Password to download it.
- Clear A4 printout of the IBPS SO e-Admit Card with visible barcode and photograph
- Original valid Government Photo ID (Aadhaar Card, Passport, Voter ID, Driving Licence, or PAN Card)
- 2 recent passport-size photographs matching the image uploaded in the online application
- PwBD / Scribe certificate and undertaking (if availing compensatory time or scribe facility)
Within 3–10 days after the examination
IBPS SO Provisional Answer Key & Objection Window
After conclusion of the objective test, Institute of Banking Personnel Selection (IBPS) uploads the candidate response sheet and Provisional Answer Key on www.ibps.in. Candidates can calculate their raw score and submit online representations against any ambiguous question or key discrepancy within the stipulated 48–72 hour window.
- Download your recorded Response Sheet PDF and match Question IDs with the Master Answer Key
- Calculate raw score using the official positive and negative marking formula
- Attach standard textbook / NCERT / official gazette proof if challenging any provisional key
- Review the Final Answer Key published after subject-expert scrutiny of all representations
3–6 weeks after stage completion
IBPS SO Result, Scorecard & Merit List / Counselling
Institute of Banking Personnel Selection (IBPS) declares the IBPS SO result as a stage-wise Merit List PDF (with roll numbers and category cut-offs) and individual Normalized Scorecards on www.ibps.in. Shortlisted candidates proceed to the next stage, Document Verification, or Centralised Counselling.
- Download and save your official IBPS SO Scorecard / Rank Letter PDF immediately upon release
- Verify category-wise and sectional cut-off marks in the official result write-up notice
- Keep original matriculation, degree, caste/EWS, and domicile certificates ready for verification
- Track reserve list / multi-round seat allotment updates on the official website
IBPS SO mock tests
Practice in the official IBPS SO pattern on the Free plan, and unlock 10 full or sectional mocks every month, unlimited chapter and topic tests, and the CBT Exam Simulator with SmartRank Pass.
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IBPS SO Full Mock Test 1
Prelims · 50 questions · 40 minutes
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IBPS SO Full Mock Test 2
Prelims · 50 questions · 40 minutes
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IBPS SO Full Mock Test 3
Prelims · 50 questions · 40 minutes
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IBPS SO Full Mock Test 4
Prelims · 50 questions · 40 minutes
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IBPS SO Full Mock Test 5
Prelims · 50 questions · 40 minutes
IBPS SO previous year papers
Papers come with a solution for every question. Read them, or attempt them as timed tests. See all IBPS SO previous year papers by year
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Recent IBPS SO question papers
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Complete 10-year IBPS SO paper archive
Up to 10 years of solved papers with SmartRank Pass (4 years with Learn)
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Predicted questions for IBPS SO
High-probability questions and topics for your next exam
How to prepare for IBPS SO
- Professional Knowledge is the only Mains paper and decides your merit, so spend most of your preparation on your own stream's core subjects.
- Prelims is qualifying only; aim to clear sectional cut-offs comfortably rather than maximising the score.
- For IT Officer, revise DBMS, networking and operating systems from standard textbooks and solve previous Professional Knowledge papers.
- For Agricultural Field Officer, cover government agriculture schemes and current developments along with core agronomy.
- Prepare for the interview with questions on your stream's application in banking, such as credit appraisal for agriculture or core banking systems for IT.
- Read the official IBPS SO notification carefully for the exact pattern, eligibility and selection stages.
IBPS SO FAQs
What are the posts under IBPS SO?
IT Officer, Agricultural Field Officer, Rajbhasha Adhikari, Law Officer, HR/Personnel Officer and Marketing Officer, all in Scale I.
Is the IBPS SO Prelims the same for all posts?
No. Law Officer and Rajbhasha Adhikari candidates get General Awareness in place of Quantitative Aptitude. English and Reasoning are common to all.
Do IBPS SO Prelims marks count in the final selection?
No. Prelims is qualifying. The final merit is based on the Professional Knowledge paper in Mains and the interview in an 80:20 ratio.
Can a BTech graduate apply for IBPS SO Marketing Officer?
Only if they also hold the required postgraduate qualification in marketing or management as specified in the notification. The engineering degree alone makes them eligible for IT Officer, not Marketing Officer.
Is there negative marking in IBPS SO?
Yes. One-fourth of the marks assigned to a question is deducted for each wrong answer in both Prelims and Mains.
What is the selection process and exam pattern for IBPS SO?
IBPS SO is conducted by Institute of Banking Personnel Selection (IBPS) across 3 stages: Prelims → Mains → Interview. Prelims is qualifying only. The Mains professional knowledge paper and the interview decide the final merit in an 80:20 ratio, followed by provisional allotment to a participating bank.
What is the age limit and educational qualification for IBPS SO?
Educational Qualification: Stream-specific: for example, a degree in engineering or computer science for IT Officer, a degree in agriculture or allied sciences for Agricultural Field Officer, a law degree for Law Officer, a postgraduate degree or diploma in HR or personnel management for HR/Personnel Officer, an MBA or postgraduate diploma in marketing for Marketing Officer, and a postgraduate degree in Hindi or Sanskrit with English as a subject for Rajbhasha Adhikari. Age Limit: 20 to 30 years, with relaxation for reserved categories as per government rules.
What is the salary and job profile after clearing IBPS SO?
Junior Management Grade Scale I officer pay, the same scale as a probationary officer, plus allowances.
When is the IBPS SO notification released and how can I apply online?
IBPS SO is held once a year (Notification around July or August; Prelims in November; Mains in December; interviews in February). Online on ibps.in, selecting one specialist stream.
Where can I practice free IBPS SO mock tests and solved previous year papers?
Select IBPS SO as your target exam on SmartRank to get chapter-by-chapter study material built around its syllabus covering English Language, Reasoning, Quantitative Aptitude, General Awareness (Law and Rajbhasha posts), solved previous year question papers, topic and full-length mock tests in the exact IBPS SO pattern, a timed exam simulator, subject-wise analytics, an adaptive daily study plan and an AI Tutor.
How can I prepare for IBPS SO on SmartRank?
Select IBPS SO as your target exam on SmartRank to get chapter-by-chapter study material built around its syllabus covering English Language, Reasoning, Quantitative Aptitude, General Awareness (Law and Rajbhasha posts), solved previous year question papers, topic and full-length mock tests in the exact IBPS SO pattern, a timed exam simulator, subject-wise analytics, an adaptive daily study plan and an AI Tutor.