IBPS RRB result for Office Assistant, Officer Scale I relased; check your score on ibps.in

IBPS RRB result for Office Assistant, Officer Scale I relased; check your score on ibps.in

The Institute of Banking Personnel Selection (IBPS) has released the final allotment result of CRP preliminary examination for Officer Scale -I (PO) and Office Assistant (Clerk) Posts on its official website — ibps.in. The Preliminary examination for Officer Scale Post 1 was conducted on August 11 and 12, while the prelim exams for Office Assistant post was conducted on August 19, 25 and September 1, last year. The main examination was held on September 30, 2018, for Officer Sacle I, II Aand III and for Assistant Post, the mains were held on October 7, 2018.

How to download IBPS RRB Officer Scale I and Office Assistant Result 2018:

Step 1: Visit the official website ibps.in

Step 2: Click on IBPS CRP RRBs VII recruitment result link on home page.

Step 3: You will be redirected to a new page.

Step 4: Click on relevant link to check result. Either RRB Office Assistant or RRB Oficer Sacle I.

Step 5: Enter your roll number, password and captcha code.

Step 6: Click on submit button. Your result will displayed on screen

Step 7: Download the result and take a print out for future reference.

About IBPS:

The Institute of Banking Personnel Selection (IBPS) is an autonomous body. It is created to render assistance to organisations in the areas of personnel such as recruitment, selection, placement.  IBPS is registered under the Societies Registration Act, 1860 and also a Public Trust under the Bombay Public Trust, 1950.


Fighting The Summer Slowdown: 13 Marketing Tips To Get Consumers’ Attention

Summer is a notoriously slow time for business. Consumers are either saving up in expectation of having to spend more at the start of the new fiscal year, or just not around as they jet away to their vacation destinations.

The summer slump can severely impact a company’s profits if not adequately addressed by its marketing department. But how can a company get its customers’ attention during the dog days of summer? To help, 13 members of Forbes Agency Council discuss how a company can market itself most efficiently during the summer, for maximum exposure during this traditionally slow time.

Members share how to beat the summer slump and get consumers' attention.


1. Entice With Promos And Special Offers

Sales often tank due to the summer slowdown. While you don’t want to cheapen your brand, July and August are a good time to grab a hold of your customers’ attention with compelling offers (there’s likely a reason Amazon’s Prime Days are in late July!). Think timely, sales-driven marketing. Perhaps it’s moving an older product with a screaming deal, or holding an “anniversary event” with offers. – Carm Lyman, Lyman Agency

2. Fish Where The Fish Are

It’s true that during the summer, many people are on vacation. Agencies should recognize this and shift budget from traditional channels like Google search to social media campaigns. When people are on vacation, they are constantly posting on Facebook and Instagram. Give your content some engaging summer visuals and cast your line. Consumers are more apt to purchase when they are relaxed. – T. Maxwell, eMaximize

3. Develop A Summer Journey Campaign

Get consumers engaged before the summer. Depending on your product, develop a summer journey campaign, with the payoff in the fall. Create a “share your best summer experiences” contest and give them reasons to follow throughout the summer. Build your biggest sales in the off-season or start a new loyalty program for them to get excited about. Consumers still spend money in the summer. – Pat Fiore, FIORE

Forbes Agency Council is an invitation-only community for executives in successful public relations, media strategy, creative and advertising agencies. Do I qualify?

4. Make It Relevant To Them

The best way to look at this would be: How does your product or service benefit them during this time? Social media would be a great place to advertise, as, during leisure time, more people will be interacting with leisure apps (Facebook, Instagram, etc). But don’t be pushy. Remember, “the best marketing doesn’t feel like marketing,” as Tom Fishburne said. – David Kley, Web Design and Company

5. Dominate The Drive

Drive time increases over the summer thanks to road trips and vacations, beach traffic and increased leisure time. Traditional and streaming radio, as well as podcast advertising, is a great tactic for high-frequency awareness campaigns. Capture the “theater of the mind” with memorable spots that entertain and delight the masses as their odometers increase over the summer. – Katie Schibler Conn, KSA Marketing + Partnerships

6. Focus On Organic Digital Marketing Strategies

From a digital marketing standpoint, if my client is in a down season, I’m slowly switching my approach from paid and organic to solely organic. I’m trying to boost my SEO and my reach so when the season ends, I’m going to be getting more clicks, conversions, and traffic for cheaper. I will then switch back to both organic and paid after summer. – JC Hite, Hite Digital

7. Leverage Influencer Marketing

Summer is actually a great time to focus on influencer marketing. With more downtime, consumers may spend more time on social media and, in turn, more time engaging with influencers. Brands should adapt their content to what interests their audience at this time, namely summer, vacation and relaxation. Whether at the beach or in the backyard, wherever consumers go, social media follows. – Maria Sipka, Linqia

8. Alter The Channel Mix And Imagery

During summer vacation season it’s time to consider rebalancing your social channel distribution. Given the visual and more social nature of Facebook and Instagram, now is the time to experiment on these channels both in volume and visual style. Your audience is not leaving social media channels, but are likely to spend more time on casual ones. – A. Lee Judge, Content Monsta

9. Refocus On Field-Based Marketing

Summer is the perfect time to refocus on field-based marketing. Brands that integrate into the events and memories their consumers seek during the summer months not only make an effective use of marketing dollars, but also strengthen the elusive emotional connection they seek to develop with their target audiences. – Kimberly Tane Miller, Ink Link Marketing LLC

10. Use Mobile Advertising

While people may be taking a break from work and their desktops, they are not leaving their phones behind. Increased efforts around paid media support for mobile apps or even mobile website-based advertising should be a priority. – Michael Hubbard, Media Two Interactive

11. Build Stronger Relationships

Surprisingly, the summer months can be a good time to reach important prospects. Many people have more downtime during summer, and that means they may be more likely to pay attention to your campaigns. While I don’t recommend launching your biggest campaigns in the summer, unless you have a very good reason, it can also be a time to build new or stronger relationships with prospects. – Paula Chiocchi, Outward Media, Inc.

12. Increase Your Social Media Focus

While everyone is on vacation, they all have access to their phones. Ramping up your social media is always a grand idea in the summer. Everyone is on social media to see what people are doing in the summer, so get their attention on these platforms with fresh creative twists. – Cagan Sean Yuksel, GRAFX CO.

13. Catch Up On Your To-Do List

I bet you have a folder somewhere of projects or improvements for the company that you’ve been meaning to get to. Why not now? If summer traffic is down, take advantage of the space. Update the website. Rework your sales funnels. Yeah, we’ve got to make money, but if the fish aren’t biting, then invest in processes or strategies that will make the busy season that much more effective. – Jessica Gonzalez, InCharged


Why digital marketers need to mind the Ps of marketing: Personalisation, Performance and Privacy


While much has been said about the exponential growth in digital consumption, there has been an emerging profile of the digital user as well, that has been less researched. Between now and 2030, when we expect a billion Indians to be online, some of the consumer archetypes to drive trends: 1) The Digital Sophisticates who will account for the top end, with high income levels and consumption preferences that mirror a global M&E user. 2) The Digital Enthusiast is a more complex persona and would not only include most of the Internet’s early adopters in India – those who consumed content prior to 2016 – but also grow to embrace younger millennials and Generation Z consumers who will enter their prime working years by 2030. Most of the internet consumers who came online post the drastic fall in data prices in 2016 will form the core of the Digital Mainstream. Lastly, the Fringe users whose digital consumption is likely to be restricted to mobile messaging and free bundled content as they may lack the required socio–economic mobility.

Marketers are you ready?

Digital marketers will need to invest in understanding these individual niches as even the smallest among them presents an attractive opportunity. Given the growing digital user base, there will expectedly be a wide range of socio-economic profiles, consumption patterns and preferences according to KPMG India’s Media and Entertainment report 2019. The regional digital user base in India is growing in scale and relevance. Digital businesses are seemingly taking notice of this trend and have invested in easing the process of discovery on their platforms through machine learning and recommendation engines. A substantially larger digital citizenry that is varied across multiple parameters – age, income, language, mode of access etc. – presents marketers with many options and opportunities along with a few challenges as well:
Consumer segmentation: In a digital world, marketers must consider not only the obvious socio-economic and demographic factors that differentiate one user from another but also factors like choice of device, reliability and strength of available telecom infrastructure and readiness to transact online.

Hyper-localisation: The smaller the segment, the more relevant and engaging advertising will be. In essence, there will be a mass of niches that will demand hyper-local content and advertising to go alongside. This ability to hyperlocalise both content and advertising should also help onboard the largely offline SME community who can then cater to their target catchment area.

Read Also: Pulp Strategy introduces product life stage based custom services for start-ups

Personalised engagement: Digital media is ‘always on’ and there are multiple channels available to a marketer to reach the consumer. A platform that allows people to connect and create communities is a marketer’s dream, as much of the psychographic profiling is already done when likeminded people gather together organically. OTTs will attract more advertising spend as they offer a brand-safe, narrow case environment for marketers.

Performance marketing: Brands will need to pay much more attention to performance marketing options on digital platforms. This ranges from paying for mere clicks to full-fledged attribution where the consumer’s journey is tracked from awareness to purchase. Return on investment on digital advertising will become more critical especially when ad-fraud in India is almost 9% of the global total.

Privacy concerns: Brands will be needed to balance monetisation methods – still predominantly advertising led – and the increasing concerns around privacy on digital platforms. While there is an undeniable trend to move towards performance marketing, this requires larger and more accurate data to be collected on the consumer for it to be effective. The online-offline attribution model where GPS, Wi-Fi and Bluetooth trackers now can monitor physical movements – and purchases – only heightens the perceived threat to privacy.


IBPS RRB PO Prelims Result 2019 to release soon, Check Expected Cut Off and PO Result Date Here

IBPS RRB PO Prelims Result 2019

IBPS RRB PO Prelims Result 2019: Institute of Banking Personnel Selection (IBPS) is going to release IBPS RRB PO Prelims Result 2019 soon. All candidates who appeared in the exam can download their result through the official website of IBPS.

According to the media sources, IBPS RRB PO Prelims Result 2019 is expected to be released by next week. However, there is no official confirmation regarding the declaration date of IBPS RRB PO Prelims Result 2019. The bank had conducted the IBPS RRB PO Prelims Exam 2019 on 3, 4 and 11 August 2019 at various exam centres across the country.

The final selection of the candidates will be based on written test (Prelims and Mains) and Interview Round. Candidates who will qualify in Preliminary Examination and shortlisted will have to appear for Main Examination and shortlisted candidates in the Main Examination will subsequently be called for a Common Interview to be coordinated by the Nodal Regional Rural Banks with the help of NABARD and IBPS.

IBPS RRB PO & Clerk Exam is conducted every year for the recruitment in various Regional Rural Banks (RRBs) to the post of Office Assistant and Officer Cadre. Over 25 RRBs are participating in the IBPS recruitment drive this year. This is a golden opportunity for all the candidates to fetch a job in a public sector bank.

IBPS RRB PO Prelims Result 2019 Cut Off will be out state wise. This year, it is expected that the cut off will range between 45 to 60 Marks which will depend on the availability of vacancies of that particular state.

IBPS PO Result 2019 – to active soon

This year, the bank will recruit a total of 8400 vacancies for the post of Office Assistant and Officer Scale 1, 2 and 3 through this recruitment drive in various regional rural banks. Candidates are advised to keep visiting this page for latest updates.


IBPS RRB Office Assistant Prelims Exam 2019 (Shift 1): Check paper analysis here

The Reasoning section was easy in level while the Numerical Ability section was between Easy to Moderate.

The Reasoning section was easy in level while the Numerical Ability section was between Easy to Moderate.

The Institute of Banking Personnel Selection (IBPS) conducts the RRB (Regional Rural Banks) Office Assistant examination. The IBPS RRB Prelims examination 2019 is being conducted in four slots. This year, the overall recruitment in RRB is being conducted for a total of 9000 plus vacancies of Office Assistant and Officers posts. The IBPS RRB Officer Scale-1 exam has already been conducted on August 4, 2019.

There are 3,688 vacancies assigned to Office Assistant, 3315 for Officer Scale-I, 1174 for Officer Scale-II, and 157 for Officer Scale-III.

IBPS RRB data:

In 2018-19, approx. 5.2 lakh candidates appeared for IBPS RRB exam while in 2017-18 approx. 8.16 lakh students appeared.

The exam comprises of two sections i.e. Reasoning and Numerical Ability with a total 80 questions to be answered in 45 minutes.

IBPS RRB Office Assistant Prelims exam analysis:

  • The overall difficulty level of the exam was Easy.
  • The Reasoning section was easy in level while the Numerical Ability section was between Easy to Moderate.
  • There were no major changes observed in the examination pattern.
  • Though, as per the analysis given by the candidates exam was slightly difficult as compared to the previous year.

Below is a section-wise analysis of the exam covering the distribution of questions:

Numerical Ability section:

The total number of questions were 40. The difficulty level was between Easy to Moderate.

The maximum questions in the section were asked from Arithmetic. There were 2 Data Interpretations asked (1 bar graph and other tabular) with 5 questions each.

Reasoning Ability section:

The total number of questions in this section were also 40. The difficulty level of this section was Easy. The majority of questions were asked from puzzles (20 Questions). ‘Only/only a few’ based pattern was asked in syllogism. You can expect questions based on this topic in the forthcoming slots.

Good attempts:

The below table shows the number of questions for a good attempt of the exam:

Note: The above analysis is purely based on the feedback that we have derived from the aspirants themselves.


IBPS Clerk Exam Details Expected In September

IBPS Clerk Exam Details Expected In September

IBPS Clerk 2019: Prelims On 7,8,14 and 15 December


Bank job aspirants can expect the IBPS clerk notification in September. The preliminary exam, for selection to clerk posts in various nationalized banks, will be conducted by the Institute of Banking Personnel Selection (IBPS) on 7, 8, 14 and 15 December. This year the exams will begin a day earlier than it had begun last year.

The notification for the last edition of IBPS clerk recruitment was notified on September 18. The online registration window was open till October 10.

The registration process will be through online mode only and there will be a single registration for both preliminary and main examination for the clerk recruitment exam.

Candidates who qualify the prelims will be eligible to appear for the main exam which is scheduled for January 19.

There would be no interview for selecting candidates for clerk posts.

IBPS will impart pre exam training to a limited number of candidates belonging to scheduled caste/ scheduled tribes/ minority communities/ ex-servicemen/ persons with benchmark disabilities. The training will be held in November.

Meanwhile, IBPS PO registration is currently active.

The preliminary exam for selection to probationary officer (PO) posts will be held on October 12, 13, 19 and 20. The main exam, for candidates who qualify the prelims, will be held on November 30. The provisional allotment process is expected to conclude by April 2020.


High troponin in muscles after exercise may signal heart disease

High troponin concentration after exercise can be a sign of cardiovascular disease

High concentration of the natural protein troponin after exercise can be an early warning of cardiovascular disease

Regular exercise is healthy and reduces the risk of cardiovascular disease. Nevertheless, it appears that prolonged and/or intensive exercise can lead to an increase in cardiac biomarkers in the blood, such as the regulatory protein troponin.

Troponin is a protein that is present in every heart muscle cell. In the event of damage to the heart, these proteins leak into the blood vessels. An increased troponin concentration in the blood is therefore used to diagnose a heart attack, among other purposes. But the implications of increased troponin levels after exercise had not been systematically investigated until now.

Research involving participants in a long-distance walking event

To investigate the relevance of this increased troponin concentration after exercise, physiologists of the Radboud University Medical Center (Nijmegen, the Netherlands) and John Moores University (Liverpool, United Kingdom) took blood samples from 725 walkers before and after a bout of prolonged walking exercise and determined the troponin concentration. Subsequently, the research team contacted the walkers annually to determine their cardiovascular health and survival status.

“Of the participants who had a high troponin concentration after walking, 27% developed severe cardiovascular disease or died during follow-up, while this was the case for only 7% in the group of participants with a low troponin concentration after walking.”

Higher risk

“After ten years of research we can finally answer this important question,” says researcher Thijs Eijsvogels. “Of the participants who had a high troponin concentration after walking, 27% developed severe cardiovascular disease or died during follow-up, while this was the case for only 7% in the group of participants with a low troponin concentration after walking. This study shows for the first time that an exercise-related increase in troponin is clinically relevant.”

Stress test for the heart

PhD student Vincent Aengevaeren emphasizes that these findings are not necessarily bad news for people who exercise regularly: “You can consider exercise as a stress test for the heart, and walkers with a high troponin concentration may be suffering from sub-clinical cardiovascular disease that has not yet been diagnosed. Therefore, our findings may contribute to early identification of susceptible individuals in the future, so that appropriate treatment can be started.” Eijsvogels also warns against misinterpreting the results: “It is simply not the case that exercise is harmful to your heart. People who exercise regularly live 3 to 6 years longer than those who do not, so getting enough exercise remains important for everyone.”


The Growing Power of Marketers in the Business World

Within the field, marketing communications are on an uptrend, while channel management is declining.

The late management guru Peter Drucker once said: “Because the purpose of business is to create a customer, the business enterprise has two – and only two – basic functions: marketing and innovation. Marketing and innovation produce results; all the rest are costs. Marketing is the distinguishing, unique function of the business.”

The business world is increasingly in agreement with this vision. Marketing is one of only two disciplines – with organisational behaviour – whose influence has been growing since the mid-1980s, based on an analysis of three leading business journals.

In our paper “Understanding Influence of Marketing Thought on Practice”, Shane WangJoseph Ryoo (both of Ivey Business School) and I analysed the abstracts of articles published in Harvard Business Review(HBR), Sloan Management Review (SMR) and Management Science (MS), since their first issues. We looked at 94 years of content for HBR and close to 50 years in the case of both SMR and MS.

We chose to analyse the content of these three journals as they are the leaders in the field of management. Our assumption is that the content dynamics of these publications reflect the evolving interests of the business world. By addressing what is on the minds of executives, this content in turn influences them. Therefore, we explore business journal content as a proxy for influence on practice.

Our textual analysis provided a bird’s eye view of the content that has shaped the thinking of general business practitioners (HBR and SMR) and the more quantitatively oriented ones (MS) over time. By general practitioners, we mean business consultants, brand managers, sales managers, product managers, etc. The quants are data scientists, customer insights specialists, risk modelers or operations research analysts, for example.

Overall, 8 percent of the 31,886 articles published in these journals dealt with marketing. This topic was especially well represented in HBR, with 16 percent of articles, in fourth place in terms of influence on practice, behind management, organisational behaviour and finance. Across the three publications, the total number of abstracts classified as marketing has been sharply increasing since the mid-1980s, a trend that started as early as the 1960s in the case of HBR. No other topic has done so well. Compare the trends for marketing, organisational behaviour and finance.

Number of abstracts per year in HBR (red), SMR (green), MS (blue)

What could explain this surge in interest for marketing content? We surmise that as baby-boomers reached adulthood, there were simply more Americans buying cars, household goods and all other types of consumables that required marketing in a time of affluence and growth. Also television became a staple in consumers’ lives, boosting consumption and the role of marketers in shaping it.

Breaking down the marketing subtopics that have influenced practitioners

Looking at the marketing subtopics that influenced business over the years, we find only three that overlapped across our referenced publications: marketing communications, customer relationships and channel management. The only one consistently on an uptrend since the 2000s is marketing communications. Meanwhile, after a steady rise, the topic of customer relationships seems to have hit a plateau. Lastly, channel management has lost its early influence over the years.

In recent decades, marketing communications is on the rise, especially in HBR and SMR: 

The topic of customer relationships has risen over time but is now at a plateau:

Channel management is in decline overall:

We speculate that the emergence of social media – from social networks, online reviews, Google paid search to mobile marketing – sparked further interest in marketing communications. With the continuous creation of new platforms (e.g. short videos on TikTok and Instagram stories), we expect business practitioners to remain on the lookout for fresh marketing communications insights and solutions.

The subtopic of customer relationships has drawn considerable interest starting from the 1940s, continuing with the development of customer relationship management (CRM) systems and database marketing in the 1980s. Coverage peaked in 2004 and remained stable after.

As for the decline of channel management, it is possible that marketing channels are now largely in place. A firm like Amazon knows what it is doing by now in terms of distribution, for instance. The finer details may have turned into more of an operations problem over time, making the topic less salient for marketing thinkers.

A glance at the future of marketing

Some two thousand years ago, a wealthy producer of liquamen (fish sauce) in Pompeii readily advertised his product, as shown by the floor mosaic that depicted amphorae with various taglines such as: “The best liquamen, from the shop of Scaurus.” While marketing may be as old as commerce, its modern concept as a professional practice appears to have emerged in much more recent times.

In fact, the subject was largely treated as a branch of economics (and called applied economics) until universities began offering marketing courses in the early twentieth century. It has indeed come a long way.

Looking ahead, our textual analysis unveiled two emerging marketing subtopics that practitioners should deeply care about. The first one is social influence, which has already caught the interest of the quants reading Management Science based on our analysis. Nowadays, all business practitioners need to understand how consumers are influenced through various touchpoints across their customer journeys.

Metrics is the second emerging subtopic that should preoccupy business practitioners. Considering the myriad channels through which customers talk about or communicate with firms, organisations must be familiar with all the relevant metrics that can help them measure their return on marketing investments. By helping them to focus their efforts, metrics can be key to business growth and even corporate survival.

The subtopic of customer relationships may be plateauing, but the need to master the customer-related soft skills of marketing is far from disappearing in this age of fast-and-furious social media feedback. More than ever, businesses need to perfect the fine art of customer engagement. When consumers complain – think mishandled luggage or manhandled passengers in the airline industry – they must be promptly appeased. Brands can only do that if they have a deep ongoing relationship with their customers.

While marketing took a longer time to take off compared to other disciplines, its influence on general and quantitative practice has been consistently increasing over time. Going by the trend, marketing is likely to become more important and firms should understand that providing and managing customer value is imperative. There has never been a better time for marketing to bolster its standing as Drucker’s ideal of the “distinguishing, unique function of the business”.


Bargain hunting to buying random stocks: 5 investment mistakes to avoid in a slowdown

In the last few months, the Indian economy has painted a rather gloomy picture and is witnessing a slowdown. Consumption and demand have been low, corporate earnings have disappointed, FPIs (foreign portfolio investors) have been pulling out, the NBFC (non-banking financial company) sector is undergoing major liquidity, and the auto sector is in a slump. Overall, the sentiment is grim.

As a result, stock markets hit their lowest levels, a clear sign of pessimism among investors. At a time like this, you may be wondering if you should reconsider your investment strategy. If you invest in the stock market, you may wonder if it is a good time to sell or buy. With many stocks falling drastically, one may wonder if this is a good time to buy these stocks at a good price.

Experts are of the opinion that while there is slowdown in the economy, we are not in a recession. The way stock prices have corrected gives a feeling that we are in recession. The best time to construct a portfolio is during the tough time as during this period, good companies are available at very attractive valuations.

If you are re-looking at your investment strategy or wondering how to avoid losing money, here are some top mistakes to avoid:

Be careful while bargain hunting

Mohit Batra, founder and CEO of MarketsMojo says that investors have a tendency to catch falling knives. They would buy companies that have fallen the most thinking that they are available at good prices. However, the fall in stock could be due to inherent weakness in their business model or corporate governance.

Deepak Jasani, Head Retail Research, HDFC Securities says that investors should avoid averaging their losing investments every now and then, without checking the reasons for their fall.

If it is the business model or corporate governance, when the markets take a favourable turn tomorrow, these stocks may not go in the same direction.

Holding on to underperforming stocks

Many investors tend to hold on to underperforming investments on the premise that it has already fallen and may not fall further from here and hence don’t sell them. Deepak says that this may not be true if the conditions at the company have changed materially for the worse.

Don’t fall for a rally

Many investors tend to chase sectors that are in demand today. Mohit says that many times it has been observed that the sector that leads the  last market rally may not lead the next rally. “Example is Pharma. We also advise that one should have pre-decided maximum sector allocations to reduce risk attached to overexposure to one particular sector,” he says.

Don’t buy stocks randomly

One mistake many investors make, according to Mohit, is that that they buy stocks randomly and hence end up having too many companies in their portfolios. He says that the right way to take portfolio approach is with pre-defined threshold (based on risk appetite) on sector, market caps, topmost holding and so on. This will help to generate better returns for risks one would take.

Review your investments regularly

Deepak advises investors from going into a shell and not checking the performance of their investments or other possible investments. By doing this, he says that they are giving up once in many years’ opportunity to benefit out of sharp dips.

“It is necessary for investors to do a portfolio review and asset allocation review at 6-month intervals. In case they have done that, some cash would have been raised due to high weight of equities,” he says.

Despite the turbulent times that the market is seeing, market experts continue to be optimistic. Mohit says that those who have invested in mutual funds or SIPs (systematic investment plans) should continue with their strategy and there is no need to change the same.

However, according to Deepak, if your investments have lagged over the last one to one-and-a-half years, you could check reasons for this and even exit them to reinvest the proceeds in better opportunities. This applies even to SIP investments.

Deepak and Mohit say that at all times, turbulent or not, a proper asset allocation is what is most important. This means that you should not invest too much in one category or sector. Spread out your investments to not only reduce risks, but also generate higher returns.

“The best hedges are proper asset allocation, reviewing it at 6-month intervals, doing portfolio review of stocks and mutual funds, raising cash in good times and deploying it in a staggered manner in bad times,” Deepak adds.


IBPS PO 2019: Check Registration Process, Eligibility, Exam Date, Pattern & Syllabus

IBPS PO 2019 Recruitment begins @ ibps.in: The Institute of Banking Personnel Selection (IBPS) has started the registration process for the recruitment of Probationary Officers (PO) or Management Trainees (MT) in participating banks. This year, the IBPS has announced a total of 4336 vacancies and 9 banks are participating in the IBPS PO 2019 recruitment. The IBPS PO 2019 Prelims exam will be conducted on October 12, October 13, October 19 and October 20 in online MCQ format. We have provided here the complete details of the IBPS PO 2019 Exam including the application process, eligibility criteria, qualification, vacancies, exam dates, exam pattern, syllabus, marking scheme, selection process, best books, participating banks and so much more.

IBPS PO 2019 Application Fee

The IBPS PO Application Fee is different for different category candidates:

– General/OBC – Rs. 600

– SC/ST/PWD – Rs 100

IBPS PO 2019: Important Dates

IBPS PO 2019 examination is conducted in three phases – Preliminary, Main and Interview. Check the important dates of the IBPS PO 2019 Examination here:

Event Date
Release of IBPS PO 2019 Notification 2 August 2019
Beginning of Online Application Process 7 August 2019
Last Date to Apply Online 28 August 2019
Download of Pre- Exam Training call letters September 2019
Pre-Exam Training (PET) 2019 23 -28 September 2019
Release of IBPS PO Prelims 2019 Admit Card September 2019
IBPS PO Prelims 2019 Exam Date 12-13 October, 19-20 October 2019
Result Declaration of IBPS PO Prelims 2019 October-November 2019
Release of IBPS PO Mains 2019 Admit Card November 2019
IBPS PO Mains 2019 Exam Date 30 November 2019
Result Declaration of IBPS PO Mains 2019 December 2019
Release of IBPS PO Interview 2019 call letters January 2020
IBPS PO 2019 Interview January 2020
Provisional Allotment April 2020

IBPS PO 2019: Participating Banks & Vacancies

Here is the list of participating banks along with number of vacancies:

Participating Bank Gen OBC EWS SC ST Total
Bank of India 583 11 89 158 58 899
Union Bank of India 253 159 65 114 53 644
UCO Bank 261 118 50 53 18 500
Allahabad Bank 203 135 50 75 37 500
Canara Bank 203 135 50 75 37 500
Indian Bank 201 133 49 73 37 493
Bank of Maharashtra 143 94 35 52 26 350
Oriental Bank of Commerce 122 79 29 48 22 300
Corporation Bank 62 40 15 22 11 150
Total 2031 904 432 670 299 4336

IBPS PO 2019: Eligibility Criteria, Educational Qualification & Age Limit

Before you apply for the IBPS PO 2019 examination, have a look at the given Eligibility Criteria, Age Limit & Educational Qualification. Candidates need to fulfill the eligibility criteria in order to apply for the IBPS PO 2019 exam. Have a look:

Nationality/Citizenship: Candidates must be either Citizen of India or Subject of Nepal or Bhutan or Tibetan Refugee who settled in India before January 1962 or person of Indian origin who migrated from Pakistan, Burma, Sri Lanka, East African countries (Kenya, Tanzania, Uganda, Ethiopia, Malawi, Zambia) Zaire, and Vietnam.

Age Limit: The minimum age limit is 20 years and the maximum age limit is 30 years, as on 1 August 2019. Check the upper age relaxation for different categories:

Category Age Relaxation
SC/ST 5 years
OBC (Non-Creamy Layer) 3 years
Person with Disabilities 10 years
Ex-Servicemen, Commissioned Officers, Persons domiciled in J&K during January 1980 to December 1989 5 years
Persons affected by 1984 riots 5 years

Education Qualification: Graduation Degree from a recognised University*

*Candidates need to indicate the percentage obtained in Graduation while registering for IBPS PO 2019. Candidates must possess the authentic mark sheet or degree certificate, validating their completion of Graduation.

Selection Process of IBPS PO 2019

The IBPS PO 2019 recruitment is a three-phased process involving – Prelims, Mains & Interview. The IBPS PO Preliminary Exam 2019 will be held in October 2019. Candidates who would qualify the Prelims exam will be called for the IBPS PO Mains 2019 on November 30, 2019. Finally, candidates who clear both Prelims and Mains will be called for IBPS PO Interview 2019. The selection of candidates for the post of Bank PO or MT will be done on the basis of their performance in Interview round.

IBPS PO 2019 Exam Pattern

For the ease of the candidates, we have provided here the detailed exam pattern of the IBPS PO/MT 2019 examination for both prelims and mains. Have a look:

IBPS PO Prelims 2019 Exam Pattern: A total of 100 multiple choice questions (MCQ) will be asked in the preliminary examination from 3 sections – English language, Reasoning & Quantitative Aptitude. Each question carries 1 Mark. The medium of examination will be bilingual – English & Hindi, except for English Language section.

Section No of Questions Marks Time Duration
English Language 30 30 20 Minutes
Quantitative Aptitude 35 35 20 Minutes
Reasoning Ability 35 35 20 Minutes
Total 100 100 1 Hour

IBPS PO Mains 2019 Exam Pattern: A total 155 questions (MCQs) will be asked from 4 sections – Reasoning & Computer Aptitude, General/Economy/Banking Awareness, English Language, and Data Analysis & Interpretation; and 2 Descriptive questions will be asked from English Language.

Section Number of Questions Marks Sectional Timing
Reasoning & Computer Aptitude 45 60 60 Minutes
General/Economy/Banking Awareness 40 40 35 Minutes
English Language 35 40 40 Minutes
Data Analysis & Interpretation 35 60 45 Minutes
Total (200 Marks) 155 Questions 200 3 Hours
Descriptive Paper – English Language

(Letter Writing & Essay)

2 (English) 25 30 Minutes

Marking Scheme: There is a negative marking for every wrong answer given by the candidates. One-fourth of the marks (0.25 of 1 mark question) will be deduction for wrong answers.

Note: The exam pattern or structure can be modified or altered by the IBPS at any point of time and such information will be intimated to the candidates through official website ibps.in.

IBPS PO Interview 2019: Candidates who would qualify the Prelims & Mains examination for PO/MT will be called for Interview by the respective participating bank. The information regarding the Interview centre and date will be shared through the Call Letters or Admit Cards. The marks allotted for Interview are 100.

IBPS PO Prelims Syllabus 2019

English Language Reasoning Quantitative Aptitude
Reading Comprehension

Spotting Errors

Antonym & Synonym

Fill in the Blanks

Jumbled Words

Phrase Substitution

Para Jumbles

Idioms and Phrases

Cloze Tests

One word Substitution


Number Series

Alphabetical Series

Figure Series

Odd man out



Word Formation


Blood Relation

Ranking and Time

Causes and Effects

Direction Sense Test

Sitting Arrangements

Decision Making

Statement and Assumption

Assertion and Reason

Statement and Conclusion

Statement and Arguments

Statements and Action Courses

Number System

Data Interpretation – Bar, Line, Table, Caselet



Profit and Loss



Ratio and Proportion

Simple Interest

Compound Interest

Time and Work

Time and Distance

Boat & Stream

Pipe & Cistern


Permutation and Combination


IBPS PO Cut Off 2019

Candidates need to qualify the each level or phase (Preliminary and Main Exams) by securing minimum cutoff marks to fetch a job in the participating organisations or banks. The IBPS PO Cut off is decided by the IBPS alone after the declaration of the IBPS PO Result. The IBPS PO Cutoff is decided based on the number of total vacancies, total number of candidates appearing for the exam and difficulty level of the exam.

Interview Cutoff: Candidates need to secure minimum 40 percent, i.e., 40 marks in the Interview Round. This cut off is 35 percent for SC/ST/OBC/PwD candidates.

Final Score: The final score of the candidates is calculated by adding marks secured in IBPS PO Mains & Interview round. The marks are calculated in the ratio of 80:20 respectively for Online Main Exam and interview.

IBPO PO 2019 Preparation Strategy: Important Books & Previous year Papers

When it comes to the preparations, books, practice papers, previous years papers and mock tests prove to be the best way out. Candidates can prepare for the IBPS PO 2019 exam through the books such as:

– Arihant Expert –  IBPS and SBI Bank PO Solved Papers Pre and Main
– Kiran Prakashan – Banking and Financial Awareness
– M K Panday – Analytical Reasoning
– Rajesh Verma – Fast Track Objective Arithmetic Paperback
– Rani Ahilya  – Lucents Computer

These books will help candidates clear their doubts and concepts for topics asked in the IBPS PO 2019 Exam.

IBPS PO 2019 Admit Card

The IBPS PO Admit Card 2019 for Prelims, Mains and Interview will be released for download 10 or 15 days prior to the respective exam. Candidates will be allowed to download the Admit Card from the official website ibps.in.

Expected release date of IBPS PO Prelims Admit Card 2019: First week of October 2019

IBPS PO Prelims Exam will be conducted on October 12-13 and October 19-20. As the IBPS releases the Admit Card or Call Letters 10 to 15 days prior to the exam, it is anticipated that the IBPS PO Prelims call letter will be released around October 1, 2019.

Note: It is necessary for the candidates to download and carry the Admit Card to the examination centre. Candidates would not be allowed to enter the centres without Admit card.

IBPS PO Exam Centres

The IBPS allots the Exam Centres through the IBPS PO Call Letter or Admit Card, after the closing of registration process. The centres are allotted on the basis of preference selected by the candidates while filling the IBPS PO 2019 application form. However, IBPS reserves the right to allot the exam centre other than the selected one, if there is non-availability of seats.


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