SBI CLERK 1st WAITING LIST SCORECARD OUT

https://sbi.co.in/hi/web/careers/ja-waitlist1-2025

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The government’s recent move to introduce a bill amending the Insolvency and Bankruptcy Code (IBC), 2016, has been widely welcomed, as has its immediate referral to a Parliamentary select committee for detailed scrutiny. Given the complexity of corporate insolvency resolution in India, legislative changes must be debated carefully, allowing stakeholders to voice concerns and lawmakers to ensure a balanced framework.

The need for reform is urgent. As of 2024, more than 12,000 IBC cases were pending before the National Company Law Tribunal (NCLT). Recovery rates stood at roughly one-third of total claims, aided mainly by a handful of large cases. Despite the IBC’s prescribed resolution timeline of 330 days (including permissible extensions), actual resolution took far longer—averaging over 600 days in 2022-23 and exceeding 700 days in 2023-24. In many cases, approvals granted by the NCLT have faced appeals before higher forums, and certain high-profile resolutions were overturned by the Supreme Court, adding to delays and uncertainty.

One key provision in the proposed amendment introduces a so-called “creditor-initiated insolvency resolution” pathway, which would allow out-of-court negotiations and actions toward resolution. This approach could inject speed and flexibility into the process, especially for complex cases involving group companies or overseas assets. Another notable change is legal recognition for excluding leased assets—such as aircraft operated by airlines—from the insolvency estate, aligning India with global aviation norms and reducing leasing costs for domestic carriers. The bill also proposes that mere proof of a credit default should suffice to trigger the Corporate Insolvency Resolution Process (CIRP), aiming to remove bottlenecks in plea admission.

Regulatory oversight is another area addressed. The bill strengthens the powers of the Insolvency and Bankruptcy Board of India (IBBI), though perhaps not as extensively as some experts recommend. For creditor-initiated cases, it allows the corporate debtor’s board to remain in control under the supervision of a resolution professional (RP), a departure from the current norm where RPs take full operational charge—a practice that has often failed to deliver efficiency. By keeping both lenders and management actively engaged, the out-of-court route could improve resolution outcomes. However, unlike the Chapter 11 framework in the United States, India’s system still does not envisage a repayment moratorium for incumbent management attempting a last-ditch recovery.

Looking ahead, the select committee might explore additional reforms, such as concurrent CIRP monitoring by the IBBI and clearer limits on judicial intervention, ensuring the Supreme Court steps in only when there is strong evidence of miscarriage of justice. Alongside new mechanisms, the effectiveness of existing processes must also be enhanced if the IBC is to fulfil its role as a swift and credible resolution framework.

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🏆 READING COMPREHENSION SET - 86

✔️IBPS PO PRE INFORMATION HANDOUT

✔️ IBPS PO Admit Card Out :-

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SBI CLERK LADAKH REGION

WAITING LIST OUT

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UPI, Debt Flows, and the Hidden Risks Behind India’s Digital Payments Boom

It was not ingenuity alone, but a mix of boldness and vision, that gave India a global lead in mobile-based payments. While several advanced economies hesitated to adopt digital identities over privacy concerns, India went ahead with the biometric Aadhaar system, linking it securely to bank accounts and mobile numbers. This laid the foundation for transformative innovations such as the Unified Payments Interface (UPI). Today, the results speak for themselves.

UPI transactions have become not just convenient but a near-ubiquitous feature of economic life, offering valuable insight into money movement across the country. According to July’s data from the National Payments Corporation of India (NPCI), which operates UPI, transaction volumes hit yet another record: 19.5 billion transfers worth over ₹25 trillion in a single month. Annualized, that amounts to a staggering ₹300 trillion—an amount comparable to a large share of India’s GDP.

Breaking down the data, peer-to-peer (P2P) transactions accounted for 36.4% of July’s volume. These transfers range from casual payments between individuals to higher-value transactions, including informal-sector trade. However, merchant payments form the bulk of UPI activity, with 12.4 billion transactions worth around ₹7.3 trillion. Within this merchant segment, groceries and supermarkets dominate by volume, logging over 3 billion swipes and collecting nearly ₹64,882 crore in July. Other frequent categories include eateries, chemists, telecom services, and fuel stations—though their volumes are significantly smaller.

Interestingly, the highest merchant category by value—excluding the broad ‘others’—is debt collection agencies. With 161.4 million transfers worth ₹93,858 crore, they account for 12.8% of merchant value, translating to an average payment of about ₹5,814. While this represents just 3.8% of all UPI transfers, the figure is far from negligible when seen against India’s nominal GDP.

Should we worry about this steady stream of digital payments to debt collectors? The answer depends on context. On one hand, it reflects the ease of credit access in a rapidly digitizing economy, where fintech apps and smartphones have expanded borrowing opportunities like never before. On the other hand, it raises red flags. In late 2023, the Reserve Bank of India (RBI) cautioned against the rapid growth of unsecured retail loans—credit extended without collateral and often at high interest rates. Such lending carries a greater risk of default, and reports of borrowers using fresh loans to repay existing ones suggest the possibility of debt traps.

In response, the RBI tightened capital requirements for lenders against such loans, aiming to curb reckless lending practices. Although some of these measures were relaxed in 2024, the risk has not disappeared. As India’s digital finance ecosystem continues to expand, the UPI data will remain a critical barometer—not just of consumer activity, but also of underlying credit health. Policymakers, lenders, and consumers alike would do well to read its signals carefully, for the same technology that powers growth could, if unchecked, also amplify financial vulnerabilities.

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🏆 READING COMPREHENSION SET - 84

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The revelation that public sector banks (PSBs) in India have written off over ₹4.48 lakh crore in non-performing assets (NPAs) within just four financial years is not merely an accounting detail—it is a stark indicator of deep-seated inefficiencies and structural weaknesses in the country’s banking system. Almost every nationalised bank figures on the list. Viewed individually, the numbers are significant; viewed collectively, they reveal a recurring pattern in which public money absorbs the consequences of flawed lending decisions, weak credit discipline, and insufficient accountability.

The government maintains that these write-offs are “technical” in nature and do not absolve borrowers of repayment obligations. However, the reality is that post–write-off recoveries remain opaque, with little public disclosure on how much of the written-off amount is actually recovered. This lack of transparency leaves citizens with the perception that balance sheets are being cosmetically cleaned rather than genuinely strengthened.

It is true that gross NPAs have declined from 9.11% to 2.58% over the past four years. Yet, without clear recovery data, this improvement risks being misleading. If bad loans are simply being moved off the books through write-offs, the apparent decline in NPAs could be more statistical than structural. Many of these defaults originate from a small set of large corporate borrowers, some of whom may engage in “strategic defaults” that exploit loopholes in the legal and regulatory framework, further eroding public trust.

This situation raises pressing questions: Are risk assessments and credit appraisal systems within PSBs robust enough? Are influential borrowers—especially those with political or corporate clout—being granted loans on preferential terms? Are institutional checks and follow-up mechanisms strong enough to ensure timely recovery?

Public sector banks manage public funds, and every rupee written off is ultimately borne by the broader economy—whether through government recapitalisation, increased borrowing costs, or reduced fiscal flexibility. Unlike private banks, PSBs often operate under “dual control,” answering to both the government and regulators, which can dilute operational efficiency and accountability. Mechanisms such as the SARFAESI Act, Insolvency and Bankruptcy Code (IBC), and Debt Recovery Tribunals exist, but their actual efficacy in facilitating recoveries is open to question.

The debate is no longer about whether write-offs should happen, but about the extent to which banks are held accountable for recovery performance. Without consistent, transparent public reporting on post–write-off recoveries, confidence in the banking system is at risk. Reforms in the sector must therefore go beyond lowering NPA ratios and address the root causes of bad lending. A truly credible banking ecosystem is defined not only by how it recognises and records losses, but by how rigorously it prevents them—and how persistently it pursues recovery once they occur.

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🏆 READING COMPREHENSION SET - 82

Indian Overseas Bank Apprentice Notification

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In a geopolitical maneuver that has raised global eyebrows, former U.S. President Donald Trump recently announced the strategic positioning of two nuclear submarines in undisclosed international waters, in what appears to be a response to what he described as "provocative statements" by Dmitry Medvedev—Russia’s former President and current Deputy Chairman of its Security Council. Medvedev’s characterization of Trump's tariff threats as tantamount to “a step towards war” has only exacerbated tensions between the two nations, whose relations have oscillated unpredictably over the last decade.

Mr. Trump refrained from clarifying whether these submarines are nuclear-powered vessels armed with conventional capabilities or ones carrying nuclear warheads capable of intercontinental devastation. Regardless of the specifics, the move has been widely perceived as a symbolic escalation at a time when diplomatic restraint is sorely needed.

Trump's exasperation with Russian President Vladimir Putin has intensified over the course of the prolonged Ukraine conflict. Initially offering a 50-day ultimatum to cease hostilities or face American sanctions, Trump later compressed this timeline to a mere 10–12 days—revealing a growing impatience with what he perceives as Moscow’s intransigence. Further heightening the stakes, he issued veiled threats of secondary sanctions on nations, including India and China, that continue trading with Russia. While these steps signify a hardline stance, they also reflect a certain desperation stemming from the ineffectiveness of existing American strategies.

Despite pressuring Ukraine into a ceasefire proposal and having his Defense Secretary publicly disavow NATO membership for Ukraine, the tangible outcomes have been limited—confined to a transient truce in the Black Sea and a brief cessation of Russian attacks on key Ukrainian infrastructure. This diplomatic impasse underscores the divergent paradigms between Western capitals and Moscow regarding conflict resolution. Whereas the West champions an immediate ceasefire as a precondition to dialogue, Moscow remains insistent on embedding such a truce within a broader framework that addresses long-standing security grievances, notably NATO’s eastward encroachment.

Russia, for its part, appears strategically positioned and disinclined to compromise amid military momentum. Even though Ukraine has conducted drone strikes within Russian territory, it continues to grapple with retaining control over embattled regions. Complicating the diplomatic equation further is Trump's unilateral military action against Iran—undertaken in support of Israel—despite ongoing diplomatic overtures with Tehran. This intervention, seen by Moscow as duplicitous, has seemingly stiffened its geopolitical posture.

The broader concern remains that impulsive saber-rattling, especially with nuclear undertones, risks spiraling into an irretrievable global crisis. Rather than leaning on militaristic symbolism and sanctions that have yielded diminishing returns, the passage advocates a recalibration of American foreign policy. Trump's initial diplomatic overtures signified a constructive departure from aggression; doubling down on such diplomacy may yet present the only viable pathway to narrowing the chasm between Russia and the West.

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🏆 READING COMPREHENSION SET - 80

🏆 NIACL AO/SO 2024 (Prelims & Mains) Scorecard Out :-
https://www.newindia.co.in/recruitment/mark-sheets/2024-scale-1-generalists-specialists

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Directions (1-5) : In the following passage there are blanks, each of which has been numbered.

These numbers are printed below the passage and against each, five words are suggested, one of which fits the blank appropriately. Find out the appropriate word that fits the blank. The global economy has been experiencing significant fluctuations due to various factors such as technological advancements, geopolitical tensions, and environmental changes. These dynamics have led to a shift in how nations __(1)_ their resources and engage in trade. As a result, countries are increasingly looking towards sustainable development to ensure long-term economic __(2)_. This approach emphasizes the importance of balancing economic growth with environmental protection and social equity. In the realm of international trade, digital technology has __(3)_ as a critical enabler, allowing businesses to operate more efficiently and reach a wider __(4)_. However, the rapid pace of innovation also poses challenges, including the need for updated regulatory frameworks and measures to address digital __(5)___.

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🏆 Today's Topic "Cloze Test" Set - 12

🏆 SBI Clerk Vacancy Details (Year-wise) :-

🎁SBI Clerk 2023 :-
▪️Total Vacancies : 8,773
♦️Pre Cutoff - Click Here
♦️Mains Cutoff - Click Here

🎁SBI Clerk 2024 :-
▪️Total Vacancies : 14,191
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♦️Mains Cutoff - Click Here

🎁SBI Clerk 2025 :-
▪️Total Vacancies : 5,583
♦️Cutoff - भगवान् भरोसे😢

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(4). Consider the following statements about 'Michal Kosinski', as mentioned in the passage. Which of the statement/statements given below is/are correct?
1. He is an expert in Psychometrics.
2. He is applying his research on Facebook to know about the information of Facebook Users.

Where Does India Stand?

India is the second-largest Internet market in the world, with 331 million Internet users. NASSCOM predicts that India’s big data market will be a $16-billion industry by 2025, with a 32% share of the global market and a CAGR of 26%. A simple search — ‘Big Data in India’ — in Google’s news search bar reveals that big data can make Indian cities a better place to live in, increase job opportunities, help track fraud, and influence politics. We have a vast amount of data from all layers of the societal pyramid, but a lot of it is sitting dormant due to ignorance and lack of infrastructure.
To penetrate this problem, JAM — Jan Dhan, Aadhaar, Mobile (Bank Account, Aadhaar Number, Smartphone) — is set to replace Bijlee, Sadak, Paani (Electricity, Transport, Sanitation) and Roti, Kapdaa, Makaan (Food, Clothing, Shelter) as the trinity leading India’s future growth.
With more players entering the market, data prices are recurrently dropping, and smartphones today cost a third of what they did a few years ago. If an individual possesses all three components of JAM, the advantages are multi-fold — they can procure loans via electronic banking, access telemedicine, make online purchases for items which may otherwise be difficult to obtain, etc. Moreover, the data collected from these activities can be ranslated into policy measures that will improve consumers' lives.

Everything we do leaves a digital footprint. Big data has emerged as a buzzword in recent years. Broadly, it means a large amount of information that is generated as trails or by-products of online and offline activities — what we purchase using credit cards, where we travel via GPS, what we ‘like’ on Facebook or retweet on Twitter, and so on. Today, the Data as a Service (DaaS) movement is gaining momentum, spurring one of the fastest growing industries in the world. A somewhat nebulous term, DaaS refers to the myriad functions that technology serves. Clearly, big data holds vast potential to favourably impact the global socio-economic environment. But is it being used as a signalling device for effective policy changes?

Technology as a Catalyst to Growth
In the last decade, technology has spawned a new wave of economic development by creating new avenues for employment, amplifying economies of scale and reducing costs of production. Consequently, several platforms have emerged to counter growth challenges. For instance, Brazil and Dubai routinely face heavy road traffic. To solve this problem, Uber designed UberCopters and UberChoppers as an alternative to roads. Networks of aerial routes for quotidian air travel are now being rolled out in other countries as well. Agriculture is also being revolutionised by technology.
Several European countries utilise Cloud Computing and Telematics to assist farmers at every stage of the value chain, from crop growing (like prescription application that boosts yield) to trade (like digital sale systems eliminating middlemen). This helps farmers to hedge against uncertain variables such as rainfall and soil fertility by smoothing the transaction process. In the realm of financial services, net banking has significantly shrunk costs and time, while also encouraging financial inclusion.

From Institutionalisation to Individualisation

The process of using data to augment standards of living involves a shift from the aggregate to the particular, i.e. a more personalised approach. Big data, combined with Behavioural Science, has given rise to a discipline called Psychometrics, which uses people’s digital traces to determine various aspects of their lives. In 2012, Michal Kosinski, one the forerunners of the field, demonstrated that a Facebook user's skin colour, gender, income group, ethnicity, sexual orientation, and religious affiliation could be determined with 85+% accuracy from a dataset of around 70 'likes'. As the number of likes increases, the more nuances they disclose about a person, like the kind of car they drive, the magazines they read, and the chocolate bar they like best.
Ultimately, it is these personality traits that determine behaviour. Hence the application of psychometrics to communications is changing the landscape of consumer retail, business, education, and even politics across the globe. In his Concordia Summit presentation, Alexander Nix, CEO of big data company Cambridge Analytica, stated the absurdity of segmenting audiences based on demographics or geographics. Why should all women or all old people or all rich people receive the same message simply because of their gender or demographics or income status?

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🏆 READING COMPREHENSION SET - 78

🏆 SBI PO 2025 4th August 2025 4th Shift Analysis :-

Sequence - English > Quant > Reasoning.

✔️Reasoning :-
Seating Arrangement (Circular- Facing Inside- 09 person) - 05
Seating Arrangement (Single Row- 8 person) - 05
Puzzle (Post-based- 09 person) - 05
Puzzle (Box Based- 7 box- Variable- Colour) - 05
Puzzle (Floor Based- 7 Floor) - 05
Coding - 01
Number Based - 01
Inequality - 03

✔️English :-
Cloze Test - 06
Phrase Replacement - 04
Reading Comprehension (Faceless Influencers) - 09
Error Detection (4 sentences) - 05
Double Fillers - 03-04
Para Jumbles - 05
Word Arrangement - 06
Column Based - 01

✔️Maths :-
DI (Pie + Table) - 06
DI (Table) - 06
Caselet - 03
Approximation - 03
Data Sufficiency - 02
Arithmetic - 10

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🏆 SBI PO Prelims 4th August 2025 3rd Shift Exam Analysis :-

Sequence -

English > Quant > Reasoning.

✔️English :-
1. Reading Comprehension (Recent Activity, OTT Platform) - 8 Questions
2. Word Swap - 5 Questions
3. Cloze Test - 6 Questions
4. Error Detection - 6 Questions
5. Phrase Replacement - 2 Questions
6. Sentence Rearrangement - 3-4 Questions
7. Column Based - 2 Questions
8. Para Jumble (Olympics) - 5 Questions
9. Word Usage - 3 Questions

✔️Quant :-
1. Missing Number Series - 3 Questions
2. Arithmetic - 13 Questions
3. Table DI - 5 Questions
4. Pie DI - 6 Questions
5. Caselet DI (Venn Diagram) - 3 Questions

✔️Reasoning :-
1. Designation Based Puzzle - 5 Questions
2. Floor & Flat Puzzle - 5 Questions
3. Circular Seating Arrangement + Variable (7 Persons with colors) - 5 Questions
4. Linear Seating Arrangement (8 Persons with North South Direction) - 5 Questions
5. Blood Relation - 3 Questions
6. Classification Based Puzzle (8 Persons) - 5 Questions
7. Pair Formation - 1 Question
8. Number Based - 1 Question.

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🏆 Today's Topic - Error Detection Set - 11

🏆 SBI PO Prelims 2025 2nd Shift Exam Analysis 4th Aug :-

Sequence - English > Quant > English.

✔️English :-
1. RC - ( Blind deaf People) 10 Questions
Vocab 3, Filler 1
2. Para Jumble (6 Statement) - 5 Questions
3. Re arrangement of Sentences - 3 Questions
4. Cloze Test - 6-7 Questions
5. Error Detection - 6-7 Questions
6. Word Swap - 5 Questions
7. Phrasal Verb - 3 Questions

✔️ Quant :-
1. Wrong Number Series - 3 Questions
2. DI (Pie Chart + Table) - 5 Questions
3. DI (Bar Graph) (Total manufacturer.....sold unsold goods)  - 5 Questions
4. Case let DI Venn diag - 5 Questions
5. Arithmetic - 12 Questions

✔️ Reasoning :-
1. Pair Formation - 1 Question
2. Number Based - 1 Question
3. Floor Based Puzzle (10 floor) - 5 Questions
4. Circular Seating (8 Person 4In/4Out) - 5 Questions
5. Box Puzzle (9 Boxes) - 5 Questions
6. Linear Setting (7 person North + Variable) - 5 Questions
7. Post Based (7 Post + Variable) - 5 Questions
8. Comparison Puzzle (6 Person height) - 3 Questions.

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🚨IBPS CSA (Clerk) Full Notification Out :-

✔️Total vacancies : 10, 277.
✔️Age : 20 to 28 Years.
✔️Qualification : Any Graduation.

📝Pattern Changed In Mains Exam - Check Here

🔗Link to apply🔗
https://ibpsreg.ibps.in/crpcsaxvjl25/

🔹Last Date to apply : 21st August.

‼️Don’t wait till the last moment.

🛜Site issues might be at the last moment. Stay smart.

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SBI PO Prelims 2025 :-

Please be advised that today's SBI PO Prelims exam is not scheduled. The exam is scheduled to take place on August 4th and 5th, 2025.

Notably, the exam was given to almost 80% of the candidates on August 4th, making it the most noticeable change in the examination process.

📝 Important : Since candidates who appear on August 4th make up the majority of test-takers, their performance will have a significant impact on the normalization factor.

▪️IBPS CLERK PRE STATE WISE CUT OFF :-

✔️BIHAR : 79.5

✔️HARYANA : 83

✔️WEST BENGAL : 87

✔️CHHATTISGARH : 77

✔️ODISHA : 86.75

✔️GUJARAT : 77.75

✔️CHANDIGARH : 81.50

✔️MADHYA PRADESH : 80

✔️HIMACHAL : 86.75

✔️JHARKHAND : 83.50

✔️MAHARASHTRA : 73

✔️ANDHRA PRADESH : 77.50

✔️PUNJAB : 81.25

✔️UTTAR PRADESH : 79

✔️KARNATAKA : 64.75

✔️GOA : 68

✔️DELHI : 80.75

✔️KERALA : 81

✔️ASSAM : 83.75

✔️RAJSTHAN : 83.25

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With the recently signed Comprehensive Economic and Trade Agreement (CETA) between India and the United Kingdom, India has for the first time incorporated a detailed chapter on trade and gender equality. This agreement includes clear references to increasing women's access to trade opportunities and acknowledges systemic barriers women face in global commerce. Earlier, the India-UAE CEPA (2022) only lightly touched upon women entrepreneurship in its MSME chapter.

India has historically supported gender equality on global platforms, having ratified several international charters such as CEDAW and the Beijing Declaration. However, it has been traditionally reluctant to link non-trade or progressive issues like gender, labour, or environment with trade agreements, considering them as potential tools of veiled protectionism. For instance, India did not sign the 2017 WTO Buenos Aires Declaration on Trade and Women’s Economic Empowerment and has stayed out of the WTO’s Informal Working Group on Trade and Gender, which promotes gender-responsive trade policies.

Globally, however, there is a rising trend in incorporating gender provisions in trade agreements. Over one-fourth of WTO-notified FTAs include gender-related clauses. Countries like Chile and blocs like the African Continental Free Trade Area (AfCFTA) are frontrunners. The Global Trade and Gender Arrangement (GTAGA), formed in 2020, is another effort to create synergy between trade and gender inclusion, encouraging women’s participation in global commerce.

India’s domestic policy has increased its focus on women-led development, yet its support remains concentrated on early-stage entrepreneurship mentoring, small-value loans, and basic capacity building. Measures that support the internationalization of women-led businesses are still lacking. Challenges such as limited access to global markets, gender bias, poor access to logistics, and regulatory obstacles further hinder women entrepreneurs.

The India-UK CETA stands out by referencing gender and women across multiple chapters, from digital trade and labour to SMEs and procurement. It acknowledges the diverse roles of women in trade and pledges to include marginalized groups. Moving ahead, the Trade and Gender Equality Working Group (TGEWG) is expected to define action plans to enhance women’s participation in global trade. Incorporating gender concerns into trade policy and collecting gender-disaggregated data will be critical to truly mainstreaming gender in India’s economic growth.

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🏆 READING COMPREHENSION SET - 75

✔️New Local Language Proficiency Test Introduced in CSA

Test will be Conducted after Qualifying the Mains Exams but before Joining the Bank

Language Test will be Conducted by an Independent Body or by Bank and marks will be Qualifying in Nature

Candidates who fail in LPT will be disqualified from the Process

No 6 Months time will be given to Clear the Language Test

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🏆 IBPS CLERK NOTIFICATION

✔️Total Vacancies : 10,277

✔️PATTERN CHANGED IN MAINS

✔️ CHECK OLD PATTERN - CLICK HERE

🎁10000+ Vacancies, 2 Bank Not reported yet.

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IBPS Clerk (CSA) Notification Out. 2025-26

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IBPS Clerk Offical Short Notice Out

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🏆 Today's Topic "Fillers Test" Set - 13

✔️IBPS PO 1st Reserve List Cutoff

✔️IBPS CSA 1st Reserve List Cutoff