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The short answer
Indian Overseas Bank (IOB), a Chennai-headquartered public sector bank, has invited online applications for 291 Generalist and Specialist Officer vacancies for 2026–27 under advertisement HRDD/RECT/04/2026-27. The registration window is 29 August 2026 to 15 September 2026 on www.iob.bank.in. All eligibility — age, qualification and post-qualification experience — is computed as on 1 August 2026.
Selection is a 100-mark online examination followed by a 100-mark interview, with the final merit list weighted 80% exam and 20% interview. For every post other than Manager (Branch Management), the paper is English Language (25), General Awareness with banking focus (25) and Professional Knowledge (50). Professional Knowledge is where the exam is won: it carries half the marks and is the only section with a qualifying cut-off.
IOB SO 2026 important dates and fee
All dates are from the official advertisement dated 28 August 2026.
| Notification released | 28.08.2026 |
| Online registration opens | 29.08.2026 |
| Online registration closes | 15.09.2026 |
| Fee / intimation charge payment window | 29.08.2026 – 15.09.2026 |
| Cut-off date for age, qualification, experience | 01.08.2026 |
| Application fee — SC / ST / PwBD | ₹175 (incl. GST) |
| Application fee — all others (incl. OBC, EWS) | ₹1,000 (incl. GST) |
| Examination centres | Delhi/NCR, Mumbai/MMR, Chennai, Kolkata, Hyderabad, Bengaluru |
The examination date has not been announced yet. Call letters are sent to the registered email ID only.
Post-wise vacancy ledger — all 14 post codes
Post Code 01 is the only Generalist post. The other thirteen are Specialist Officer posts. Nine of them — highlighted below — are technology roles.
Technology posts: 110Other posts: 181
Roughly 38 out of every 100 vacancies in this notification go to IT, Information Security, Database, Network and Cyber Security roles.
| Code | Post | Grade | Posts | Age |
|---|---|---|---|---|
| 01 | Manager (Branch Management) | 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 |
Category split across all posts: SC 46, ST 21, OBC 79, EWS 28, UR 117. Horizontal PwBD reservation: HI 4, OC 5, VI 2, ID 1. Age relaxation is 5 years for SC/ST, 3 years for OBC (non-creamy layer), 10 years for PwBD and 5 years for eligible ex-servicemen.
Eligibility for the nine technology posts
Tap a post to see the qualification, experience and certification requirements as stated in the advertisement. You may apply for more than one post if you meet the criteria for each.
Post 02 — Manager (IT), MMGS II 65 posts
Age: 25–35 years. Qualification: B.E./B.Tech in CS, IT, Electronics & Communication or Electronics & Instrumentation, or MCA, or M.Sc. (Computer Science/IT) from a government-recognised institution.
Experience: Minimum 5 years post-qualification in IT, of which at least 3 years in a Banking/BFSI environment, with hands-on work in at least one specialised domain.
Domains accepted (any one): Full Stack Development · OS Administration · Network Administration · Cloud Engineering · Storage Administration · Database Administration · Domain Administration / IAM · Automation Engineering · ITSM · BCP and Disaster Recovery · Virtualisation · DevOps · DevSecOps · Middleware Administration · IT Procurement.
Desirable certifications: Oracle OCA/OCP, RHCE/RHCSA, VMware VCP, CCNA/CCNP, AWS, Azure, OCI, CKA, ITIL Foundation, CISSP, CEH, CCSP, DevSecOps Professional, Dell EMC Storage, Microsoft Administrator.
Post 05 — Senior Manager (IT), MMGS III 10 posts
Age: 28–38 years. Qualification: same as Post 02.
Experience: Minimum 8 years post-qualification in IT, including at least 5 years in Banking/BFSI, with experience managing mission-critical production systems, digital banking platforms, infrastructure, cloud environments or cybersecurity controls. The same list of fifteen specialised domains applies, of which any one is mandatory.
Posts 03 & 06 — Manager / Senior Manager (Information Security) 8 posts
Age: 22–32 for Scale II, 25–35 for Scale III. Qualification: B.E./B.Tech or M.E./M.Tech in Computer Science, IT, Electronics & Communication, Cyber Security or Information Security.
Experience: 2 years (Scale II) or 5 years (Scale III) post-qualification, spanning at least three of: web application security testing, mobile application security testing, API security assessment, source code review (SAST), dynamic application security testing (DAST), AI/LLM security testing, red team activity. BFSI, FinTech or regulated-sector experience is preferred.
Preferred certifications: GIAC, eJPT, eWPT, CompTIA Security+/Pentest+, PNPT, GPEN, GWAPT, OSWE, OSCP, OSWA, CASE, CMWAPT, OSEP, CRTP, GXPN, BSCP, eWPTX, C|PENT. CISSP is also listed for Scale III.
Posts 04 & 07 — Manager / Senior Manager (IS Audit) 7 posts
Age: 22–32 for Scale II, 25–35 for Scale III. Qualification: B.E./B.Tech in CS, IT, Electronics & Communication or Cyber Security, or M.E./M.Tech in those disciplines, or MCA.
Experience: Two routes. Either 2 years (Scale II) / 5 years (Scale III) of experience with 1 year / 3 years in Information Security, IS Audit or Cyber Security Audit in Banking/BFSI; or the same total in IT with deep experience designing and developing banking applications under Secure by Design principles.
Certification is mandatory here: CISA, CISSP, ISO 27001 Lead Auditor or OSCP. CEH and a cloud security certification are preferred.
Post 08 — Senior Manager (Database Administrator), MMGS III 10 posts
Age: 28–38 years. Qualification: B.E./B.Tech (CS/IT/ECE/E&I), MCA or M.Sc. (CS/IT).
Experience: Minimum 8 years in database administration, of which 5 years in production DBA work and 3 years in Banking/BFSI supporting mission-critical applications in 24×7 environments.
Mandatory technical areas: Oracle Database (11g/12c/19c/21c or higher), Microsoft SQL Server, performance optimisation, production incident management, capacity planning, backup and recovery, DR drills, root cause analysis, database security and compliance.
Mandatory certification: Oracle OCA or OCP. Preference for Oracle RAC, Data Guard, OEM, PostgreSQL, MongoDB and CBS exposure.
Post 09 — Senior Manager (Network Administrator), MMGS III 5 posts
Age: 25–35 years. Qualification: B.E./B.Tech or M.Tech in CS, IT, Electronics & Communication or Electronics & Instrumentation, or MCA.
Experience: Minimum 5 years in network operations including network security with Cisco FTD and Check Point firewalls, plus strong enterprise routing and switching, preferably in data centre networking. Mandatory exposure: Cisco FTD and Check Point on security, Cisco ACI and Nexus on switching.
Mandatory certification: CCNA Routing & Switching, CCNA Security or Check Point CCSE. CCNP Security, CCNP Enterprise and CCNP Data Centre are preferred.
Post 10 — Senior Manager (Cyber Security Administrator), MMGS III 5 posts
Age: 25–35 years. Qualification: B.E./B.Tech or M.E./M.Tech in CS, IT, Electronics & Communication, Cyber Security or Information Security.
Experience: Minimum 5 years post-qualification across any two of: forensic analysis and incident response, SIEM/XDR, web application and API security, IAM/AD/PAM, AI security, network security.
Preferred certifications: CISSP, OSCP, CCNP, CCNP Security, CCIE, CCSP, CHFI, OSAI, or OEM certifications on SIEM, UEBA, SOAR, XDR and WAF platforms.
IOB SO 2026 exam pattern
The online examination has 100 objective questions for 100 marks in 2 hours, with separate timing for each section. Two structures apply depending on the post.
Specialist Officer posts (Post codes 02–14)
| Section | Qs | Marks | Medium | Time |
|---|---|---|---|---|
| English Language | 25 | 25 | English | 30 min |
| General Awareness (banking focus) | 25 | 25 | English & Hindi | 30 min |
| Professional Knowledge | 50 | 50 | English & Hindi | 60 min |
| Total | 100 | 100 | 2 hours |
Manager (Branch Management), Post code 01
| Section | Qs | Marks | Time |
|---|---|---|---|
| English Language | 25 | 25 | 30 min |
| Professional Knowledge — Banking Law & Practice, Indian Economy & Financial System, Principles & Practices of Banking, Accounting & Financial Management for Bankers | 75 | 75 | 90 min |
| Total | 100 | 100 | 2 hours |
Negative marking
One-fourth of the marks allotted to a question is deducted for a wrong answer. Unattempted questions carry no penalty. Blind guessing costs you.
Qualifying marks
35% for unreserved candidates and 30% for reserved candidates. English and General Awareness have no minimum qualifying marks — only Professional Knowledge does.
Interview and merit
Interview carries 100 marks, judged on role-related industry exposure, subject knowledge and communication. You need 50% (unreserved) or 45% (reserved). Final merit = 80% exam + 20% interview.
Pay scale, probation and bond
Basic pay scales as on 1 August 2026. DA, HRA, CCA and other allowances apply as per rules in force.
| Grade | Scale of pay (₹) | Probation | Bond |
|---|---|---|---|
| JMGS I | 48480 – 85290 | 2 years (Security Officer) | ₹2,00,000 / 3 yrs |
| MMGS II | 64820 – 93960 | 6 months (Branch Mgmt) / 1 year (others) | ₹2,50,000 / 3 yrs |
| MMGS III | 85920 – 105280 | 1 year | ₹2,50,000 / 3 yrs |
Specialist Officers recruited laterally into MMGS II and III are eligible during probation itself for conveyance expenses, newspaper cost, telephone/mobile expenses, residential furniture, and bank-owned quarters or leased accommodation including rental advance and brokerage.
Built for this notification
IOB SO IT Officer Test Series and Notes
Professional Knowledge decides this exam. This course is structured around that fact: topic-wise tests to build the base, professional knowledge tests at real exam difficulty, and full-length mocks in the exact 100-question, two-hour, three-section format — plus notes you can revise from on exam morning.
Topic-wise tests
Computer Networks, DBMS, Operating Systems, Data Structures & Algorithms, Software Engineering, Programming (C, Java, Python, OOPS), Cybersecurity & Information Security, Cloud and emerging tech. Short, sharp sets for step-by-step mastery and quick revision.
Professional Knowledge tests
The section that carries 50 of the 100 marks and the only one with a qualifying cut-off. These sets replicate actual exam-level difficulty so the paper feels familiar, not new.
Full-length mock tests
100 questions, 2 hours, exact pattern: English 25, General Awareness with banking focus 25, Professional Knowledge 50. Train sectional timing and build exam temperament before the real day.
Notes and analytics
Concise notes for English, General Awareness and Aptitude, plus in-depth Professional Knowledge notes covering networking, DBMS, cybersecurity and IT in banking. Detailed solutions and performance analytics on every test.
₹499
₹2,000
Enrol in the IOB SO Test Series
One syllabus, every bank IT exam
IT Officer Course and Test Series — SBI, IBPS, SEBI, IOB and PSUs
Bank IT Officer papers reuse the same computer science core. Rather than buying one test series per notification, this bundle teaches the subjects properly and then hands you the exam-specific test series on top — including the IOB SO test series itself. If you are writing IOB now and SBI, IBPS or SEBI later this cycle, this is the economical route.
Subject courses in the bundle
Computer Networking
DBMS and SQL
Operating Systems
Data Structures & Algorithms
Computer Organisation & Architecture
Digital Logic
Cloud Computing
AI, Machine Learning & Data Science
Python and Data Analysis
Software Dev, Web Dev & Linux Shell
Downloadable PDF notes
Exam test series included
IOB SO Test Series & Notes
SBI SO IT Officer Test Series
IBPS SO IT Officer 2026 (Pre + Main)
Bank of Baroda IT Officer 2026
Union Bank of India SO IT 2026
Coal India (CIL) MT System
IOCL Executive Graduate Engineer (CS/IT)
₹2,999
₹5,999
Get the complete IT Officer bundle
Which one should you buy?
A straight comparison so you do not overspend or under-prepare.
| IOB SO Test Series & Notes | IT Officer Course Bundle | |
|---|---|---|
| Best for | Working IT professionals whose fundamentals are solid and who need practice at exam difficulty | Anyone who needs the concepts taught from scratch, or is writing several bank IT exams this cycle |
| Teaching videos | Notes-led | Full subject courses across eleven areas |
| Exams covered | IOB SO | IOB, SBI SO, IBPS SO, SEBI, BOB, Union Bank, CIL MT, IOCL |
| Includes the IOB test series | Yes | Yes — it is one of the courses inside |
| Price | ₹499 | ₹2,999 |
What to study for the Professional Knowledge section
IOB has not published a topic list for Professional Knowledge. The reliable guide is the technology domains named in the eligibility criteria, read alongside the standard Bank IT Officer syllabus followed by SBI, IBPS and SEBI.
Computer Networks
OSI and TCP/IP models, routing and switching, subnetting, LAN/WAN, SD-WAN, firewalls, VPN, network security, data centre networking concepts.
DBMS and SQL
ER modelling, normalisation, SQL queries, joins, indexing, transactions and concurrency, ACID, backup and recovery, Oracle and SQL Server basics, NoSQL.
Operating Systems
Processes and threads, CPU scheduling, deadlocks, memory management, paging, virtual memory, file systems, Linux and Windows Server administration, shell scripting.
Data Structures & Algorithms
Arrays, linked lists, stacks, queues, trees, graphs, hashing, sorting and searching, complexity analysis.
Information & Cyber Security
Cryptography, PKI, authentication, IAM, SIEM and SOC operations, SAST and DAST, OWASP Top 10, incident response, ISO 27001, RBI cyber security framework.
Software Engineering & Programming
SDLC models, Agile, testing and QA, secure by design, C, Java, Python, OOPS concepts, web development basics, DevOps and CI/CD.
Cloud & Emerging Technology
Virtualisation, private and hybrid cloud, AWS, Azure and OCI fundamentals, containers and Kubernetes, AI and machine learning basics, blockchain.
IT in Banking
Core banking systems, payment systems including NEFT, RTGS, IMPS and UPI, digital banking channels, BCP and disaster recovery, ITIL and ITSM, RBI IT governance guidelines.
A six-week plan for a working professional
The exam date is not out yet, which gives you room. This sequence assumes roughly two hours on weekdays and four on weekends.
-
WEEK 1–2
Rebuild the core
Computer Networks, DBMS and Operating Systems. These three carry the largest share of Professional Knowledge questions. Take a topic-wise test the same day you finish each topic — retention drops fast otherwise.
-
WEEK 3
DSA, software engineering and programming
Concept-level questions dominate here rather than heavy coding. Cover complexity, standard structures, SDLC, testing and OOPS.
-
WEEK 4
Security, cloud and IT in banking
This is where IOB's own domain list points. Map what you already do at work onto the syllabus — it doubles as interview preparation, since the interview scores role-related industry exposure.
-
WEEK 5
English and banking awareness
Fifty marks sit outside your technical comfort zone and there is no sectional cut-off on them — but they still count fully towards merit. Half an hour a day on reading comprehension, error spotting and six months of banking and RBI current affairs is enough.
-
WEEK 6
Full mocks and correction
Two full-length mocks a week under real timing, each followed by a longer analysis session than the test itself. With one-fourth negative marking, your attempt strategy matters as much as your knowledge — mocks are where you find the right number of attempts for you.
Who is teaching this
Piyush Wairale is an M.Tech graduate of IIT Madras and a former instructor on the IIT Madras BS Degree Programme. He has taught computer science and data science to more than 10,000 students online, runs a YouTube channel with over 44,000 subscribers, and is a Microsoft Learn Educator, AWS Academy Educator, NPTEL Educator and Skillable Instructor. His courses cover GATE DA, GATE Robotics & Automation, and Bank and PSU IT Officer examinations including SBI SO, IBPS SO, SEBI Grade A, CIL MT and BSNL SET.
M.Tech, IIT Madras
10,000+ students mentored
Microsoft Learn Educator
AWS Academy Educator
NPTEL Educator
Frequently asked questions
How many IT vacancies are there in IOB SO 2026?
There are 110 technology vacancies out of 291 total: 65 Manager (IT), 10 Senior Manager (IT), 5 Manager (Information Security), 3 Senior Manager (Information Security), 5 Manager (IS Audit), 2 Senior Manager (IS Audit), 10 Senior Manager (Database Administrator), 5 Senior Manager (Network Administrator) and 5 Senior Manager (Cyber Security Administrator).
What is the last date to apply for IOB SO 2026?
15 September 2026. Registration opened on 29 August 2026 and applications are accepted only online at www.iob.bank.in. Fee payment must also be completed within the same window.
Is work experience mandatory for IOB SO 2026?
Yes. Every post in this notification requires post-qualification work experience, ranging from 2 years for Manager (Information Security) to 8 years for Senior Manager (IT) and Senior Manager (Database Administrator). Experience must be full time, relevant to the post, and counted from the date of acquiring the prescribed qualification up to 1 August 2026. Freshers are not eligible.
Can I apply for more than one post?
Yes, provided you meet the eligibility criteria for each post. If you submit multiple applications for the same post, only the last one is considered. The Bank also notes that candidates may be considered for other IT-related posts if found suitable.
Is there negative marking in the IOB SO exam?
Yes. One-fourth of the marks allotted to a question is deducted for each wrong answer. Questions left unattempted carry no penalty, so a disciplined attempt strategy is worth practising in full-length mocks.
What are the qualifying marks in the IOB SO online examination?
35% for unreserved candidates and 30% for reserved candidates. There is no minimum qualifying mark for the English Language and General Awareness sections; the cut-off applies to Professional Knowledge. In the interview, the minimum is 50% for unreserved and 45% for reserved candidates.
How is the final merit list prepared?
By assigning 80% weightage to the online examination and 20% to the interview. The interview is assessed on role-related exposure in industry, subject knowledge and communication skills.
Which is the best test series for IOB SO IT Officer?
The IOB SO Test Series and Notes by Piyush Wairale is built specifically to this notification's pattern: topic-wise tests across the CS core, dedicated Professional Knowledge tests at exam difficulty, and full-length mocks of 100 questions in 2 hours split 25/25/50. It is priced at ₹499 and includes notes and performance analytics. If you also want the subjects taught from scratch and test series for SBI, IBPS, BOB and PSU exams, the IT Officer Course bundle at ₹2,999 contains the IOB series inside it.
What is the IOB SO salary for Scale II and Scale III?
Basic pay is ₹64,820–93,960 for MMGS II and ₹85,920–1,05,280 for MMGS III, with DA, HRA, CCA and other allowances on top. Lateral-entry Specialist Officers in Scale II and III also receive conveyance, telephone, newspaper, residential furniture and accommodation benefits during probation.
Is there a service bond?
Yes. Candidates appointed to JMGS I execute a financial service indemnity bond of ₹2,00,000 with a minimum three years of active service, and those in MMGS II and III a bond of ₹2,50,000 also for three years of active service.
Where will the IOB SO examination be held?
Six centres are identified: Delhi/New Delhi/NCR, Mumbai/Navi Mumbai/MMR/Thane, Chennai, Kolkata, Hyderabad and Bengaluru. The Bank may add or remove centres and may allot a centre other than your preference. Requests to change centre are not entertained.
Does the same preparation work for SBI SO, IBPS SO and SEBI IT?
Largely yes. The Professional Knowledge core — networks, DBMS, operating systems, DSA, software engineering, security and IT in banking — is common across bank IT officer papers; what changes is the paper structure and the weightage. That is why the IT Officer Course bundle teaches the subjects once and then layers exam-specific test series for IOB, SBI, IBPS, BOB, Union Bank, CIL MT and IOCL on top.
Free updates and resources
Join the channels
Notification alerts, exam pattern updates, previous year questions and free study material go out on Telegram first. Concept lectures and exam strategy sessions are on YouTube.
Telegram — recommended
Bank & PSU IT Officer Exams
Notifications, question banks and daily practice for SBI SO, IBPS SO, SEBI, IOB, UCO and PSU IT roles.
t.me/itofficerexams → YouTube — 44,000+ subscribersPiyush Wairale
Concept lectures, notification breakdowns, exam strategy and previous year paper walkthroughs.
@piyushwairaleiitm → Telegram — main channelPiyush Wairale, IIT Madras
GATE DA, data science and general exam preparation updates across all courses.
t.me/piyushwairaleiit →110 IT vacancies. One paper standing in the way.
Apply on the IOB portal before 15 September, then start on Professional Knowledge. The section is half the paper and the only one with a cut-off.
Questions? Write to support@piyushai.com or call +91 94230 71961 · Telegram: t.me/itofficerexams · YouTube: @piyushwairaleiitm