IOB Recruitment 2026

IOB Recruitment 2026: 291 Generalist & Specialist Officer Vacancies, Eligibility, Salary & Apply Online

Indian Overseas Bank (IOB) has released a recruitment notification for 291 Generalist and Specialist Officer vacancies for the year 2026-27. The recruitment is being conducted under Advertisement No. HRDD/RECT/04/2026-27 dated 28 August 2026 for various posts in JMGS Scale I, MMGS Scale II and MMGS Scale III.

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The vacancies cover banking, information technology, information security, cyber security, credit, risk management, database administration, network administration and physical security. The recruitment is mainly intended for candidates with relevant professional qualifications and post-qualification experience.

The online application process started on 29 August 2026 and the last date to register and pay the applicable fee is 15 September 2026. Candidates can apply online through the IOB recruitment process. The official application portal confirms the registration window and fee-payment dates.

IOB Recruitment 2026 Overview

IOB has stated that the advertised vacancies are provisional and may increase or decrease according to the Bank’s requirements.

IOB Vacancy 2026

The 291 vacancies are distributed across 14 different posts. Manager (Branch Management) is the only generalist position, while the remaining posts are specialist positions.

The largest recruitment is for Manager – Branch Management with 100 vacancies, followed by Manager – IT with 65 vacancies and Manager – Credit with 35 vacancies.

IOB Recruitment Eligibility 2026

The eligibility criteria vary considerably from one post to another. Candidates must satisfy the required age, educational qualification and post-qualification experience as on 1 August 2026.

This is primarily an experienced-professional recruitment rather than a general fresher recruitment. Candidates should therefore carefully check the experience requirement for their selected post.

Manager – Branch Management

There are 100 vacancies for Manager – Branch Management in MMGS-II.

Candidates should have a graduation degree in any discipline from a recognized university.

The post requires at least 3 years of experience as an officer in a Scheduled Public Sector or Private Sector Bank, including at least 2 years of experience in branch banking. The age requirement is generally 23 to 33 years as on 1 August 2026.

Candidates with previous experience as a Scale-I Branch Head may receive preference as prescribed in the recruitment conditions.

Manager – IT

IOB has announced 65 vacancies for Manager – IT in MMGS-II.

Candidates require one of the prescribed qualifications such as:

• B.E./B.Tech in Computer Science
• B.E./B.Tech in Information Technology
• B.E./B.Tech in Electronics & Communication
• B.E./B.Tech in Electronics & Instrumentation
• MCA
• M.Sc. in Computer Science
• M.Sc. in Information Technology

Candidates need at least 5 years of post-qualification IT experience, including at least 3 years in Banking/BFSI.

Relevant areas include full-stack development, operating systems, network administration, cloud engineering, database administration, DevOps, DevSecOps, IT service management, disaster recovery and other prescribed IT domains.

Manager – Information Security

There are 5 vacancies for Manager – Information Security.

Candidates generally need B.E./B.Tech or M.E./M.Tech in Computer Science, IT, Electronics & Communication, Cyber Security or Information Security.

The post requires at least 2 years of relevant post-qualification experience in areas such as web application security testing, mobile application security testing, API security assessment, source-code review, DAST, AI/LLM security testing or red-team activities.

Several professional security certifications are listed as desirable for this role.

Manager – Information Security Audit

There are 5 vacancies under this post.

Candidates need a relevant engineering or computer qualification such as B.E./B.Tech, M.E./M.Tech or MCA in the prescribed disciplines.

Relevant experience in information security, IS audit, cyber security audit or banking application development is required according to the prescribed route.

Senior Manager – IT

The Senior Manager – IT position has 10 vacancies in MMGS-III.

Candidates need relevant engineering or postgraduate computer qualifications and substantial professional experience in IT. The recruitment conditions require around 8 years of post-qualification IT experience, including the prescribed banking/BFSI exposure.

The role is intended for experienced IT professionals who can handle advanced technology and banking-technology responsibilities.

Senior Manager – Information Security

There are 3 vacancies for Senior Manager – Information Security.

Candidates need a relevant technology/security qualification and substantial experience in information security or cyber security functions.

Because the post is in MMGS-III, candidates are expected to have higher-level professional experience compared with the Manager-level security positions.

Senior Manager – Information Security Audit

IOB has announced 2 vacancies for this specialized post.

The position is intended for experienced professionals in information-security auditing and related technology domains. Candidates should carefully verify the prescribed qualifications, certifications and experience before applying.

Senior Manager – Database Administrator

There are 10 vacancies for Senior Manager – Database Administrator.

Candidates with relevant IT or computer qualifications and substantial professional experience in database administration can apply, subject to the detailed requirements.

The role may involve enterprise database management, administration, performance, availability, security and related technical responsibilities.

Senior Manager – Network Administrator

IOB has announced 5 vacancies for Senior Manager – Network Administrator.

Candidates need the prescribed technical qualification and professional experience in network administration and related infrastructure functions.

Relevant experience in banking/BFSI technology environments may be required according to the notification.

Senior Manager – Cyber Security Administrator

There are 5 vacancies for Senior Manager – Cyber Security Administrator.

This position is intended for experienced cyber security professionals with the prescribed educational qualification and specialized work experience.

The recruitment covers areas such as information security, cyber security administration and related security operations.

Manager – Credit

There are 35 vacancies for Manager – Credit in MMGS-II.

The position is intended for candidates with relevant banking/finance qualifications and professional experience in credit-related functions.

Candidates should have experience in areas such as credit appraisal, corporate or MSME lending and related banking credit operations as specified in the recruitment conditions.

Senior Manager – Credit

There are 15 vacancies for Senior Manager – Credit.

Candidates need relevant professional qualifications and around 6 years of post-qualification experience, including at least 4 years in credit-related functions. Experience in MSME or corporate advances is preferred.

Senior Manager – Risk

There are 6 vacancies for Senior Manager – Risk.

Candidates may qualify through relevant graduation plus qualifications such as MBA/PGDM in Finance, PGDBF, MFM, MFC, Master’s in Mathematics, Statistics or Economics, or prescribed financial-risk certifications.

The role requires at least 5 years of post-qualification experience in a bank, NBFC or financial institution in areas such as risk, credit, forex, treasury or finance.

Assistant Manager – Security

There are 25 vacancies for Assistant Manager – Security in JMGS-I.

This post is different from the technology-security posts because it is focused on physical security.

Candidates should be graduates and must have the prescribed computer/IT certification. Eligibility is primarily for retired Junior Commissioned Officers or equivalent personnel from the Armed Forces, or eligible officers from paramilitary forces/police with the prescribed service experience.

The age range is 30 to 45 years as on 1 August 2026, subject to the detailed conditions.

IOB Age Limit 2026

The age limit varies according to the post.

Broadly, the MMGS-II Manager positions fall within different age bands depending on the role, while MMGS-III Senior Manager posts have higher experience and age limits.

For example:

• Manager – Branch Management: 23–33 years
• Manager – IT: 25–35 years
• Manager – Information Security: 22–32 years
• Manager – Information Security Audit: 22–32 years
• Senior Manager posts: generally higher age limits depending on the post
• Assistant Manager – Security: 30–45 years

The age, educational qualification and experience are calculated as on 1 August 2026.

Age relaxation is available to eligible reserved categories according to Government of India rules. The recruitment information specifies relaxation for SC/ST, OBC-NCL, PwBD and eligible ex-servicemen candidates.

IOB Salary 2026

The salary depends on the scale of the selected post.

In addition to basic pay, selected candidates are eligible for applicable allowances such as DA, HRA, CCA and other benefits according to IOB rules.

Specialist officers joining laterally in MMGS-II and MMGS-III may also receive benefits related to conveyance, newspaper expenses, telephone/mobile expenses, residential furniture and accommodation, subject to eligibility and bank rules.

IOB Probation and Service Bond

The probation period depends on the post.

• Branch Management officers: 6 months
• Assistant Manager – Security: 2 years
• Other advertised posts: generally 1 year

Selected candidates are also required to execute a financial service indemnity bond and serve the minimum prescribed service period.

For JMGS-I posts, the bond amount is ₹2 lakh, while MMGS-II and MMGS-III candidates are required to execute a bond of ₹2.5 lakh. The minimum service period is generally 3 years.

IOB Application Fee 2026

The application fee is as follows:

The ₹175 amount for SC/ST/PwBD candidates is described as intimation charges inclusive of GST, while other candidates pay ₹1,000 inclusive of GST.

The fee is non-refundable.

IOB Selection Process 2026

The selection process consists of:

1. Online Examination
2. Personal Interview
3. Final Merit List

IOB may further shortlist candidates based on their qualification, experience and professional profile before calling them for the interview. Meeting the minimum eligibility criteria does not automatically guarantee an interview call.

The final selection gives:

• 80% weightage to Online Examination
• 20% weightage to Interview

IOB Exam Pattern 2026

The online examination differs slightly between the generalist Branch Management post and the specialist posts.

For Manager – Branch Management

The examination consists of:

The Professional Knowledge section covers banking-related areas including Banking Law & Practice, Indian Economy & Financial System, Principles & Practices of Banking and Accounting & Financial Management for Bankers.

For Other Specialist Posts

The Professional Knowledge section is specific to the post for which the candidate applies.

Negative Marking

There is a penalty for incorrect answers.

For each wrong answer, one-fourth of the marks assigned to that question is deducted. No penalty is imposed for questions that are left unanswered.

Candidates must also meet the prescribed minimum qualifying standard in Professional Knowledge.

IOB Interview 2026

Candidates who qualify in the online examination may be called for a personal interview.

The interview carries 100 marks and evaluates areas such as:

• Role-related professional exposure
• Subject knowledge
• Communication skills

The minimum interview qualifying marks are 50% for unreserved candidates and 45% for reserved candidates, as specified in the recruitment information.

The final merit list is prepared using the 80:20 examination-to-interview weightage.

IOB Recruitment Important Dates 2026

The official application portal confirms that registration and fee payment are open from 29 August to 15 September 2026.

How to Apply for IOB Recruitment 2026

Eligible candidates can apply online through the Indian Overseas Bank recruitment process.

Follow these steps:

1. Visit the official Indian Overseas Bank website.
2. Open the Careers/Recruitment section.
3. Select Recruitment of Generalist / Specialist Officers in Various Scales – 2026-27.
4. Read the detailed recruitment notification carefully.
5. Select the post for which you meet the eligibility conditions.
6. Complete the online registration.
7. Enter personal, educational and professional details.
8. Upload the required photograph and signature.
9. Upload the left thumb impression.
10. Upload the handwritten declaration in the prescribed format.
11. Verify all qualification and experience details.
12. Pay the applicable application fee.
13. Submit the application form.
14. Download and print the submitted application.
15. Keep the application form and fee receipt safely for future reference.

The application must be submitted online. IOB has specifically stated that applications through other modes will not be accepted.

Documents Required

Candidates should keep the following documents ready before starting the application:

• Recent passport-size photograph
• Signature
• Left thumb impression
• Handwritten declaration
• Graduation certificate
• Postgraduate/professional qualification certificates, where applicable
• Marksheets
• Experience certificates
• Category certificate, if applicable
• OBC-NCL certificate, where applicable
• EWS certificate, where applicable
• PwBD certificate, where applicable
• Professional certification documents
• Valid identity proof

For experienced posts, candidates should ensure that their experience certificates clearly establish the required post-qualification experience.

IOB Job Location

Selected candidates can be posted anywhere in India according to the requirements of Indian Overseas Bank. Candidates should therefore be prepared to serve at branches, offices or other locations assigned by the Bank.

This is particularly important for candidates who are looking for a location-specific government job.

Who Should Apply for IOB Recruitment 2026?

This recruitment is suitable for experienced professionals in several fields.

Banking Professionals

Candidates with banking experience can consider the Branch Management, Credit and Risk positions.

IT Professionals

Candidates with experience in software development, cloud, databases, networking, DevOps, IT infrastructure and banking technology can consider the IT-related positions.

Cyber Security Professionals

The recruitment has dedicated positions for information security, security audit and cyber security, making it relevant for professionals with specialized security experience.

Database and Network Professionals

Senior Manager positions are available specifically for database and network administration professionals.

Defence and Police Personnel

Eligible retired Armed Forces, paramilitary and police personnel can consider the Assistant Manager – Security position, subject to the detailed service and medical requirements.

Important Points Before Applying

Candidates should remember the following points:

• The recruitment contains 291 provisional vacancies.
• Only Manager – Branch Management is a generalist position.
• The other 13 posts are specialist positions.
• Most positions require relevant post-qualification experience.
• Eligibility is calculated as on 1 August 2026.
• The application deadline is 15 September 2026.
• The application process is online only.
• The fee must also be paid within the application window.
• There is negative marking of one-fourth for wrong answers.
• Final merit is based on 80% online examination and 20% interview.
• Selected candidates may be posted anywhere in India.
• A minimum service bond applies after selection.
• Candidates should carefully check post-specific qualifications before applying.

Frequently Asked Questions

How many vacancies are available in IOB Recruitment 2026?

Indian Overseas Bank has announced 291 Generalist and Specialist Officer vacancies across 14 posts.

What is the last date to apply for IOB Recruitment 2026?

The last date for online registration and fee payment is 15 September 2026.

Which is the largest vacancy in IOB Recruitment 2026?

Manager – Branch Management has the largest number of vacancies with 100 posts.

What is the qualification for Manager – Branch Management?

Candidates need a graduation degree in any discipline and the prescribed banking experience, including at least two years in branch banking.

What is the salary of IOB officers?

The basic pay ranges from ₹48,480 to ₹1,05,280, depending on the JMGS-I, MMGS-II or MMGS-III scale. Applicable allowances are provided separately.

What is the application fee?

General, OBC and EWS candidates have to pay ₹1,000, while SC, ST and PwBD candidates pay ₹175 as intimation charges.

Is IOB Recruitment 2026 suitable for freshers?

Most positions require relevant professional experience. The recruitment is primarily aimed at experienced candidates rather than fresh graduates.

What is the selection process?

Selection consists of an online examination followed by a personal interview. The final merit gives 80% weightage to the online examination and 20% to the interview.

Is there negative marking?

Yes. One-fourth of the marks assigned to a question is deducted for an incorrect answer in the online examination.

Can selected candidates be posted anywhere in India?

Yes. The recruitment carries an all-India posting liability, and selected candidates may be posted according to the Bank’s requirements.

Final Words

IOB Recruitment 2026 is a significant opportunity for experienced banking, IT, cyber security, credit, risk and infrastructure professionals looking to join a public sector bank at officer and management levels.

The recruitment offers 291 vacancies across 14 posts, with positions ranging from Assistant Manager to Senior Manager. The largest opportunities are available for Manager – Branch Management with 100 vacancies, Manager – IT with 65 vacancies, Manager – Credit with 35 vacancies and Assistant Manager – Security with 25 vacancies.

The recruitment is especially attractive because the advertised positions carry officer-level pay scales. Basic pay ranges from ₹48,480 in JMGS-I to ₹1,05,280 in MMGS-III, along with applicable allowances and benefits.

However, candidates should understand that this is primarily an experienced-professional recruitment. IT, cyber security, credit, risk, database and other specialist posts require specific educational qualifications and relevant post-qualification experience.

The online application process is currently active and candidates must submit their applications by 15 September 2026. The official application portal confirms the registration and fee-payment window.

Applicants should carefully verify the eligibility conditions for their selected post, particularly the required experience, professional certifications and age limit. Candidates should also remember that the final selection is based on 80% online examination and 20% interview, and selected employees may be posted anywhere in India.

With 291 vacancies spread across general banking, IT, cyber security, credit, risk and security functions, IOB Recruitment 2026 provides a wide range of opportunities for professionals who already have relevant experience and want to move into a public sector banking career.