Punjab & Sind Bank is one of the prominent public sector banks in India, established with a vision to provide customer-oriented financial services and contribute to the nation’s economic growth. Over the years, the bank has gained trust due to its strong network, digital adoption, and consistent performance. To strengthen its workforce, Punjab & Sind Bank has announced its Recruitment 2025 drive for Specialist Officer (SO) posts, specifically in the categories of Credit Manager and Agriculture Manager under the Middle Management Grade Scale-II. This recruitment is a golden opportunity for skilled and experienced candidates who aspire to build a long-term career in banking.
Vacancy Details
| Post Name | Total Vacancies | Educational Qualification |
|---|---|---|
| Credit Manager | 130 | Graduate with minimum 60% marks (55% for reserved categories) or professional qualification such as CA/CMA/CFA/MBA (Finance) |
| Agriculture Manager | 60 | Degree in Agriculture, Horticulture, Dairy, Forestry, Veterinary, Fisheries, or allied disciplines with minimum marks as per category |
Job Role and Responsibilities
Credit Manager
- Appraising and processing loan applications for individuals and businesses
- Conducting risk assessment and preparing credit reports
- Ensuring compliance with bank policies and RBI guidelines
- Managing loan documentation and credit portfolio quality
- Coordinating with branches for loan disbursal and recovery processes
- Monitoring repayment schedules and helping with resolution of non-performing assets
Agriculture Manager
- Designing and implementing agricultural loan schemes for farmers and allied industries
- Assessing the viability of farming projects and providing technical support to clients
- Monitoring agricultural loan accounts to maintain a healthy credit portfolio
- Coordinating with farmers and agricultural entrepreneurs to provide financial solutions
- Promoting government-supported agricultural schemes through the bank
- Ensuring customer satisfaction and guiding clients on agricultural financing
Eligibility Criteria
Educational Qualification
- Credit Manager: Graduate with minimum marks as required or professional qualifications like CA, CMA, CFA, MBA (Finance).
- Agriculture Manager: Degree in Agriculture or allied disciplines with required percentage.
Age Limit
- Minimum: 23 years
- Maximum: 35 years (as on 01 September 2025)
- Relaxation in upper age limit is applicable for reserved categories as per government rules:
• SC/ST – 5 years
• OBC (Non-Creamy Layer) – 3 years
• Persons with Benchmark Disability – 10 years
• Ex-servicemen and eligible categories – 5 years
Experience
- Minimum of 3 years of experience in relevant fields is mandatory for both posts. For Credit Manager, experience in loan appraisal or processing in a scheduled commercial bank is required. For Agriculture Manager, prior experience in agricultural financing is desirable.
Nationality
- The applicant must be an Indian citizen.
Application Process
- Visit the official Punjab & Sind Bank website and go to the Careers section.
- Download and read the Specialist Officer recruitment notification carefully to understand eligibility and requirements.
- Click on the “Apply Online” link available under the recruitment section.
- If you are a new candidate, complete the registration process by providing your name, mobile number, and email ID.
- Login using your credentials and fill out the online application form with accurate details regarding personal information, educational qualifications, and work experience.
- Upload scanned copies of required documents including educational certificates, experience certificates, photo, and signature.
- Pay the application fee through the online payment gateway using debit/credit card, UPI, or net banking.
- After completing the fee payment, review all details carefully and submit the application form.
- Take a printout of the submitted application form and fee receipt for future reference.
- Wait for updates from the bank regarding the next stage of the recruitment process.
Salary and Benefits
The selected candidates will be appointed in the Middle Management Grade Scale-II (MMGS II). The salary structure is as follows:
- Basic Pay Scale: ₹64,820 to ₹93,960 per month
- Additional Allowances: Dearness Allowance (DA), House Rent Allowance (HRA) or Leased Accommodation, City Compensatory Allowance (CCA), and Medical Benefits
- Other Benefits: Leave Travel Concession, Provident Fund, Gratuity, Pension benefits as per rules, and training programs for career development
This pay structure along with job security makes it one of the most attractive opportunities in the banking sector.
Career Growth and Opportunities
Joining Punjab & Sind Bank as a Specialist Officer opens doors to several career opportunities. With consistent performance, employees can move up to higher management grades such as MMGS III and SMGS IV. The bank provides regular training programs, exposure to different banking sectors, and opportunities to gain expertise in credit, agricultural financing, and risk management. Officers also have the chance to earn professional certifications like JAIIB and CAIIB, which further enhance promotion prospects.
Important Dates
| Event | Date |
|---|---|
| Notification Release | 19 September 2025 |
| Online Application Start Date | 19 September 2025 |
| Last Date to Apply | 10 October 2025 |
| Exam/Interview Date | To be announced |
Why Apply
- Stable government job with attractive salary and benefits
- Opportunity to serve in a reputed public sector bank with nationwide presence
- Specialist roles provide challenging responsibilities and scope for professional growth
- Fast career progression opportunities for deserving candidates
- Valuable exposure to credit management and agricultural financing sectors
- Excellent work-life balance compared to private banking jobs
FAQs
1. How many vacancies are available under Punjab & Sind Bank Recruitment 2025?
There are a total of 190 vacancies, out of which 130 are for Credit Manager and 60 are for Agriculture Manager.
2. What is the age limit for applying?
Candidates must be between 23 and 35 years as on 01 September 2025. Age relaxation is applicable for reserved categories.
3. What is the educational qualification required?
Credit Manager requires a graduation degree with minimum marks or professional qualifications such as CA, CMA, CFA, MBA (Finance). Agriculture Manager requires a degree in Agriculture or allied disciplines.
4. Is prior work experience mandatory?
Yes, a minimum of 3 years’ relevant experience in scheduled commercial banks or related sectors is mandatory for both posts.
5. What is the selection process?
The selection process includes an online test followed by an interview. Final selection will be based on merit and overall performance.
6. What is the last date to apply?
The last date to submit the online application form is 10 October 2025.
7. What is the salary offered for these posts?
The salary for MMGS II officers ranges from ₹64,820 to ₹93,960 per month along with allowances and perks.
Conclusion
Punjab & Sind Bank Recruitment 2025 offers a promising career opportunity for candidates with relevant educational qualifications and experience in the banking and agricultural sectors. With 190 vacancies for Specialist Officers, this recruitment is ideal for professionals aiming to take up mid-level managerial positions in the banking industry. The attractive salary package, growth prospects, and job stability make it a highly desirable career option. Eligible candidates are advised to apply online before the deadline of 10 October 2025 and prepare thoroughly for the selection process to secure their place in this prestigious institution.