The Indian Overseas Bank (IOB) has released the official notification for Specialist and Generalist Officer Recruitment 2026-27, inviting applications for 291 vacancies across multiple managerial and specialist positions.
The recruitment includes opportunities in Branch Management, IT, Information Security, IS Audit, Database Administration, Network Administration, Cyber Security, Credit, Risk and Security streams, with posts available across JMGS-I, MMGS-II and MMGS-III grades.
According to the recruitment details, the online application process begins on 29 August 2026 and eligible candidates can submit their applications and pay the prescribed fee up to 15 September 2026.
The eligibility requirements differ substantially from one post to another, with qualifications ranging from graduation and MBA/finance-related credentials to engineering, MCA, specialised technical degrees and professional certifications, along with mandatory post-qualification experience for several specialist positions.
Candidates must therefore check the specific educational qualification, age limit, professional experience and certification requirements attached to their preferred post before applying.
The selection process will include an online examination followed by an interview, with the final merit list prepared using an 80:20 weightage for the online examination and interview. The recruitment is particularly relevant for experienced banking, finance, IT and cybersecurity professionals looking to join a public sector bank in officer-level positions.
IOB SO Recruitment 2026-27 (Advt. No. HRDD/RECT/04/2026-27) – Overview
Official Notification Out — 291 Generalist & Specialist Officer Posts | Apply Online 29 August – 15 September 2026
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| Particulars | Details |
| Organization Name | Indian Overseas Bank (IOB) — A Govt. of India Undertaking |
| Recruitment Name | Recruitment of Generalist / Specialist Officers in Various Scales – 2026-27 |
| Advertisement Number | HRDD/RECT/04/2026-27 dated 28.08.2026 |
| Post Name | Manager (Branch Management), Manager/Sr. Manager (IT), Manager/Sr. Manager (Information Security), Manager/Sr. Manager (IS Audit), Sr. Manager (Database Administrator), Sr. Manager (Network Administrator), Sr. Manager (Cyber Security Administrator), Manager/Sr. Manager (Credit), Sr. Manager (Risk), Assistant Manager (Security) |
| Total Vacancies | 291 |
| Grades Covered | JMGS I, MMGS II, MMGS III |
| Application Mode | Online Mode Only |
| Job Location | Anywhere in India (as per Bank’s requirement) |
| Official Website | www.iob.bank.in |
IOB SO 2026-27 Official Notification — Key Highlights
| Notification Name | Detailed Advertisement HRDD/RECT/04/2026-27 — IOB Generalist/Specialist Officer Recruitment 2026-27 |
| Notification Type | Direct Recruitment — 14 Post Codes across Generalist and Specialist Officer streams |
| Key Points to Note | Sharp jump in vacancies versus last cycle; new IT/Cyber-Security specialist streams (Information Security, IS Audit, Database, Network, Cyber Security Administrator); candidates may apply for more than one post if eligible; 80:20 weightage between Online Exam and Interview |
Important Dates 2026
- Advertisement Release Date: 28 August 2026
- Online Registration Start Date: 29 August 2026
- Last Date to Register Online & Pay Fee: 15 September 2026
- Eligibility Cut-off Date (Age/Qualification/Experience): 01 August 2026
- Online Examination: To be notified via Call Letter (check official site regularly)
- Interview: To be notified — held across select centres in India
Nationality / Citizenship
- Citizen of India, or
- Subject of Nepal or Bhutan, or
- Tibetan refugee who came to India before 1 January 1962 with intent to permanently settle, or
- Person of Indian origin migrated from Pakistan, Burma, Sri Lanka, East African countries (Kenya, Uganda, Tanzania), Zambia, Malawi, Zaire, Ethiopia or Vietnam with intent to permanently settle in India — subject to a Government of India Eligibility Certificate
IOB SO 2026-27 — Post-Wise Vacancy, Grade & Age Limit
| Code | Post Name | Grade | Vacancy | Age (Min–Max) |
| 01 | Manager (Branch Management) — Generalist | MMGS II | 100 | 23–33 |
| 02 | Manager (IT) | MMGS II | 65 | 25–35 |
| 03 | Manager (Information Security) | MMGS II | 5 | 22–32 |
| 04 | Manager (Information Security Audit) | MMGS II | 5 | 22–32 |
| 05 | Senior Manager (IT) | MMGS III | 10 | 28–38 |
| 06 | Senior Manager (Information Security) | MMGS III | 3 | 25–35 |
| 07 | Senior Manager (Information Security Audit) | MMGS III | 2 | 25–35 |
| 08 | Senior Manager (Database Administrator) | MMGS III | 10 | 28–38 |
| 09 | Senior Manager (Network Administrator) | MMGS III | 5 | 25–35 |
| 10 | Senior Manager (Cyber Security Administrator) | MMGS III | 5 | 25–35 |
| 11 | Manager (Credit) | MMGS II | 35 | 23–33 |
| 12 | Senior Manager (Credit) | MMGS III | 15 | 25–35 |
| 13 | Senior Manager (Risk) | MMGS III | 6 | 25–35 |
| 14 | Assistant Manager (Security) | JMGS I | 25 | 30–45 |
| Total | — | — | 291 | — |
Post Code 01 (Branch Management) is the only Generalist Officer post; all remaining 13 codes are Specialist Officer posts. Vacancy figures are provisional and may vary as per the Bank’s actual requirement. Age is reckoned as on 01.08.2026.
Category-Wise Vacancy Break-Up (All Posts Combined)
| SC | ST | OBC | EWS | UR (General) | Total |
| 46 | 21 | 79 | 28 | 117 | 291 |
PwBD candidates: 4 HI, 5 OC, 2 VI, 1 ID — reserved horizontally across the above categories, as applicable post-wise.
Education Qualification & Work Experience — Post-Wise Summary
| Post | Qualification | Post-Qualification Experience |
| Manager (Branch Management) | Graduation in any discipline | 3 years as Officer in a Scheduled Bank, min. 2 years in Branch Banking |
| Manager (IT) | B.E./B.Tech (CS/IT/Electronics) or MCA or M.Sc (CS/IT) | Min. 5 years in IT, at least 3 years in Banking/BFSI; hands-on experience mandatory in one specialised domain (see note below) |
| Manager (Information Security) | B.E./B.Tech or M.E./M.Tech in CS/IT/Electronics/Cyber Security/Information Security | Min. 2 years across at least 3 of: Web/Mobile/API security testing, Source Code Review, DAST, AI/LLM security testing, Red Teaming |
| Manager (IS Audit) | B.E./B.Tech/M.E./M.Tech/MCA in CS/IT/Electronics/Cyber Security | Min. 2 years in Information Security/IS Audit in Banking, OR 2 years in IT with secure banking software development experience |
| Senior Manager (IT) | B.E./B.Tech (CS/IT/Electronics) or MCA or M.Sc (CS/IT) | Min. 8 years in IT, at least 5 years in Banking/BFSI, mandatory CISA/CISSP/ISO 27001-LA/OSCP certification |
| Senior Manager (Information Security) | B.E./B.Tech or M.E./M.Tech in CS/IT/Electronics/Cyber Security | Min. 5 years across at least 3 security-testing domains, BFSI experience preferred |
| Senior Manager (IS Audit) | B.E./B.Tech/M.E./M.Tech/MCA in CS/IT/Electronics/Cyber Security | Min. 5 years, 3+ years in IS Audit/Cyber Security Audit in Banking, OR 5 years in secure banking software design/development |
| Senior Manager (Database Administrator) | B.E./B.Tech (CS/IT/Electronics) or MCA or M.Sc (CS/IT) | Min. 8 years in DB Administration, 5+ years in Production DBA, 3+ years in Banking/BFSI; mandatory OCA/OCP certification |
| Senior Manager (Network Administrator) | B.E./B.Tech/M.Tech/MCA in CS/IT/Electronics | Min. 5 years in Network Operations incl. Cisco FTD & Checkpoint Firewalls; mandatory CCNA (R&S/Security) or Checkpoint CCSE |
| Senior Manager (Cyber Security Administrator) | B.E./B.Tech or M.E./M.Tech in CS/IT/Electronics/Cyber Security | Min. 5 years across any 2 of: Forensic Analysis/IR, SIEM/XDR, Web/API Security, IAM/AD/PAM, AI Security, Network Security |
| Manager (Credit) | Graduation + MBA(Finance)/PGDBA/PGDBM/MMS(Finance) or CA or CMA | 3 years in Bank/FI, min. 2 years in Credit; MSME/Corporate Advances experience preferred |
| Senior Manager (Credit) | Graduation + MBA(Finance)/PGDBA/PGDBM/MMS(Finance) or CA or CMA | 6 years in Bank/FI, min. 4 years in Credit |
| Senior Manager (Risk) | Graduation + MBA(Finance)/PGDM(Finance)/PGDBF/MFM/MFC/Masters in Maths-Stats-Economics, or Graduation + GARP/PRMIA certification | Min. 5 years as Officer in Bank/NBFC/FI in Risk, Credit, Forex, Treasury or Finance |
| Assistant Manager (Security) | Graduate + min. 3-month Computer/IT certification course | Retired JCO (5+ yrs, Army/Navy/Air Force) OR Inspector-rank (5+ yrs as SI & above) in Paramilitary/Police |
Note: All qualifications and experience are reckoned as on 01.08.2026. IT-stream posts (Codes 02 & 05) additionally require hands-on experience in at least one of these specialised domains: Full Stack Development, OS Administration, Network Administration, Cloud Engineering, Storage Administration, Database Administration, IAM/Domain Administration, Automation Engineering, ITSM, BCP/DR, Virtualization, DevOps, DevSecOps, Middleware Administration, or IT Procurement — refer the official PDF for the complete domain-wise breakup and preferred certifications (OCA/OCP, RHCE, CCNA/CCNP, AWS/Azure/OCI, CKA, ITIL, CISSP, CEH, CCSP, etc.).
Age Relaxation
| Category | Age Relaxation |
| SC/ST | 5 Years |
| OBC (Non-Creamy Layer) | 3 Years |
| Persons with Benchmark Disabilities (PwBD) | 10 Years |
| Persons Affected by 1984 Riots | 5 Years |
| Ex-Servicemen / Commissioned Officers (5+ yrs service) | 5 Years |
Cumulative relaxation is allowed for SC/ST/OBC candidates combining categories, subject to a maximum age ceiling of 50 years. EWS candidates get no age relaxation beyond the standard maximum limit.
Application Fee
| SC / ST / PwBD (Intimation Charges Only) | ₹175/- (inclusive of GST) |
| All Other Candidates (General/OBC/EWS) | ₹1,000/- (inclusive of GST) |
| Fee Payment Window | 29 August 2026 to 15 September 2026 |
| Fee Payment Methods | Debit Card, Credit Card, Internet Banking, BHIM/UPI |
Note: Fee once paid is non-refundable and cannot be adjusted against any other recruitment process.
IOB SO 2026-27 Salary & Pay Scale
| Scale/Grade | Pay Scale (₹) |
| JMGS I | 48,480 – 2,000/7 – 62,480 – 2,340/2 – 67,160 – 2,680/7 – 85,290 |
| MMGS II | 64,820 – 2,340/1 – 67,160 – 2,680/10 – 93,960 |
| MMGS III | 85,920 – 2,680/5 – 99,320 – 2,980/2 – 1,05,280 |
Other Benefits: DA, HRA, CCA as per rules, plus (for Specialist Officers in MMGS II & III, from probation itself) Conveyance Expenses, Newspaper Allowance, Telephone/Mobile Expenses, Residential Furniture, and Bank-owned/leased accommodation with Rental Advance & Brokerage.
Selected candidates must execute a Financial Service Indemnity Bond — ₹2,00,000 for JMGS I posts and ₹2,50,000 for MMGS II/III posts, with a 3-year minimum service commitment.
IOB SO 2026-27 Exam Pattern
For Manager (Branch Management) — Post Code 01:
| Subject | Questions | Marks | Duration |
| English Language | 25 | 25 | 30 Minutes |
| Professional Knowledge (Banking Law & Practice, Indian Economy & Financial System, Principles & Practices of Banking, Accounting & Financial Management) | 75 | 75 | 90 Minutes |
| Total | 100 | 100 | 2 Hours |
For All Other Posts (Code 02–14):
| Subject | Questions | Marks | Duration |
| English Language | 25 | 25 | 30 Minutes |
| General Awareness (Special Reference to Banking Industry) | 25 | 25 | 30 Minutes |
| Professional Knowledge (Post-Specific) | 50 | 50 | 60 Minutes |
| Total | 100 | 100 | 2 Hours |
- No minimum qualifying marks in English Language & General Awareness sections
- Minimum qualifying marks in Professional Knowledge and overall: 35% for Unreserved, 30% for Reserved categories
- Negative Marking: 0.25 mark deducted per wrong answer; no penalty for unattempted questions
- Final Merit Weightage: 80% Online Exam + 20% Interview
- Interview qualifying marks: 50% for Unreserved, 45% for Reserved candidates (out of 100)
Selection Process 2026-27
- Stage 1: Online Objective Examination (2 hours, sectional timing) — post-specific Professional Knowledge is the deciding section
- Stage 2: Personal Interview (100 marks) — assessed on Role-Related Industry Exposure, Subject Knowledge and Communication Skills
- Final Merit List: 80% weightage to Online Exam + 20% weightage to Interview, combined and ranked category-wise
Unlike a pure qualifying-cum-ranking exam, IOB folds the Interview score directly into final merit at a fixed 80:20 ratio — so consistent performance in the Professional Knowledge section carries the heaviest weight in this recruitment, and interview preparation still meaningfully moves the final rank.
How to Apply Online for IOB SO Recruitment 2026-27
- Visit the official IOB website — www.iob.bank.in and open the “Careers” page
- Click on “Recruitment of Generalist/Specialist Officers in Various Scales – 2026-27” and select the desired post
- Click “Click Here to Register Online” and complete first-time registration to get your Registration Number and Password
- Save your Registration Number and Password — they arrive by email and SMS and are needed to continue the application
- Log in again with provisional credentials and fill in all required details in the application form
- Upload photograph, signature, left thumb impression, and handwritten declaration exactly as per prescribed specifications
- Verify every field carefully — the name must match certificates/marksheets exactly, since there is no post-submission edit window in this notification
- Click “Complete Registration” and proceed to fee payment via Debit/Credit Card, Net Banking or UPI
- Download and save the system-generated application printout and the payment e-receipt for future reference
Documents Required for IOB SO Application 2026-27
- Interview Call Letter printout and system-generated application printout
- Proof of Date of Birth (Birth Certificate or Class X Certificate/Marksheet with DOB)
- Photo ID Proof (Passport/Aadhaar/e-Aadhaar/PAN/Driving Licence/Voter ID) — Ration Card is NOT accepted
- Educational marksheets and degree certificates relevant to the post applied for
- Work Experience proof — appointment letters, experience/relieving certificates, salary slips
- Relevant professional certification certificates (CISA/CISSP/OCP/CCNP/GARP-FRM etc., as applicable to the post)
- Category Certificate (SC/ST/OBC-NCL/EWS/PwBD) in the prescribed Government of India format, where applicable
- No Objection Certificate (original) if currently employed in Government/PSU/Nationalised Bank
Note: All documents must be produced in original with self-attested photocopies at the time of interview; failure to do so can lead to the candidature being cancelled outright.
Examination Centres
The online examination for IOB SO Recruitment 2026-27 will be held at these identified centres: Delhi/New Delhi/NCR, Mumbai/Navi Mumbai/MMR/Thane, Chennai, Kolkata, Hyderabad, and Bengaluru. The Bank reserves the right to add, remove, or reassign centres based on response and administrative feasibility.
IOB SO 2026-27 Preparation Strategy
- Professional Knowledge decides the exam — it carries 75 marks (Branch Management) or 50 marks (all other posts) out of 100, so this must be your primary study focus, not English or General Awareness
- For IT/Cyber Security posts: the notification lists exact mandatory domains and preferred certifications post-wise (e.g., CISA/CISSP for Sr. IT Manager, OCA/OCP for DBA, CCNA/CCSE for Network Administrator) — align your resume and revision plan to the specific domain your target post requires
- For Credit/Risk posts: revise Banking Law & Practice, Credit Appraisal, NPA Management, RBI guidelines on Risk-Weighted Assets, and current developments in MSME/Corporate lending
- For Branch Management (Generalist): Accounting & Financial Management for Bankers and Indian Financial System carry disproportionate weight given the 75-mark Professional Knowledge section
- English Language: Since there’s no sectional cut-off here, focus effort where it’s most rewarded — Professional Knowledge and General Awareness
- Avoid guesswork — with 0.25 negative marking per wrong answer, only attempt questions you’re reasonably confident about
- Since the Interview carries a full 20% weightage in final merit (unlike many banking exams where it’s a smaller share), prepare thoroughly on your domain background and be ready to discuss your actual work experience in depth
IOB SO 2026-27 — What These Officers Actually Do
- Manager (Branch Management): Takes charge as Branch Head after probation — end-to-end branch operations, customer service, business targets, and staff supervision
- IT/Information Security/IS Audit Officers: Manage core banking systems, cybersecurity posture, application/infrastructure security testing, IT audits and compliance for the Bank’s digital banking platforms
- Database/Network/Cyber Security Administrators: Run production database and network operations for a 24×7 banking environment, including disaster recovery, firewall administration, and incident response
- Credit Officers: Appraise and sanction loans, monitor MSME/Corporate advances, and manage credit risk exposure
- Risk Officer: Works on the Bank’s Credit, Market, Operational and Treasury risk frameworks
- Assistant Manager (Security): Oversees physical security and fire-safety protocols across Bank premises — this post specifically targets retired defence/paramilitary/police personnel
Common Mistakes to Avoid
- Applying for a post without the mandatory specialised domain experience or certification (especially IT/Cyber Security/DBA posts) — such candidatures risk rejection at document verification
- Uploading photo/signature/thumb impression/handwritten declaration outside the exact pixel and file-size specifications given in the notification’s Annexure
- Submitting the handwritten declaration in capital letters, or in a language other than English — this makes the application invalid
- Assuming this notification has an edit window like some other bank recruitments — verify on the official site, as no edit-window facility is mentioned for this particular advertisement
- Ignoring the OBC Non-Creamy-Layer clause validity requirement — the certificate must be valid as on the date of interview
important links |
|
| Apply Online (IOB SO 2026-27) | click here (Active 29 Aug – 15 Sep 2026) |
| Download Official Notification PDF | click here |
| Official Website | click here |
| firstjob24 jobs | click here |
| join whatsapp channel | click here |
| susbscribe on youtube | click here |
IOB SO Recruitment — Frequently Asked Questions (FAQs)
Q1. How many total vacancies are there in IOB SO Recruitment 2026-27?
A total of 291 vacancies are announced across 14 post codes in JMGS I, MMGS II and MMGS III.
Q2. What is the last date to apply online?
15 September 2026 is the last date for both online registration and fee payment.
Q3. Can I apply for more than one post?
Yes, candidates may apply for more than one post, subject to fulfilling the eligibility criteria for each post applied for.
Q4. What is the application fee?
₹175 (inclusive of GST) for SC/ST/PwBD candidates, and ₹1,000 (inclusive of GST) for all other candidates.
Q5. How is the final merit list prepared?
By combining Online Examination and Interview scores in an 80:20 weightage ratio.
Q6. Is there negative marking?
Yes, 0.25 mark is deducted for every wrong answer in the online examination.