ALL ABOUT IBPS P O

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ALL ABOUT IBPS P O

The IBPS PO (Institute of Banking Personnel Selection Probationary Officer) exam is a nationwide competitive examination conducted annually to recruit Probationary Officers/Management Trainees in various public sector banks in India. The exam is known for its rigorous selection process, which includes three stages: Preliminary Exam, Main Exam, and a Personal Interview. It assesses candidates on subjects like Quantitative Aptitude, Reasoning Ability, English Language, General Awareness, and Computer Knowledge. Successfully clearing the IBPS PO exam opens the door to a rewarding career in the banking sector, offering opportunities for growth, job stability, and attractive financial benefits.

IBPS PO Recruitment Overview (2025)

Feature
Details
Exam Name
IBPS PO (Probationary Officer)
Conducting Body
Institute of Banking Personnel Selection (IBPS)
Post Name
Probationary Officer / Management Trainee
Participating Banks
11 Public Sector Banks (e.g., PNB, BOB, UBI, etc.)
Exam Level
National
Selection Process
1. Prelims 2. Mains 3. Interview
Mode of Exam
Online (Computer-Based Test)
Job Location
All over India
Official Website
Educational Qualification
Graduate in any discipline (from a recognized university)
Age Limit
20 to 30 years (with category-wise relaxation)
Application Mode
Online
Application Fee
₹850 (Gen/OBC/EWS), ₹175 (SC/ST/PwD)
Number of Vacancies (Expected)
~3000+ (varies annually based on bank requirements)
Salary Structure (Approx.)
₹52,000 – ₹55,000 per month (including perks and allowances)
Probation Period
2 years
Career Growth
PO → Assistant Manager → Branch Manager → AGM → DGM → GM → CGM → Executive Director

IBPS PO Eligibility Criteria 2025: Age Limit & Relaxation Details

The Institute of Banking Personnel Selection (IBPS) conducts the Probationary Officer (PO) exam annually for recruitment in various public sector banks across India. Understanding the eligibility criteria is crucial for aspirants. Below is a detailed breakdown of the eligibility requirements, focusing on age limits and relaxation provisions.

 IBPS PO Age Limit (As on August 1, 2025)

Category
Age Limit
Minimum Age
20 years
Maximum Age
30 years
Important Note: Candidates must have been born not earlier than August 2, 1995, and not later than August 1, 2005 (both dates inclusive) .

 Age Relaxation for Reserved Categories

Category
Age Relaxation
Effective Upper Age Limit
SC/ST
5 years
35 years
OBC (Non-Creamy Layer)
3 years
33 years
PwD (Persons with Benchmark Disabilities)
10 years
40 years
Ex-Servicemen, Commissioned Officers (ECOs/SSCOs)
5 years
35 years
Persons affected by 1984 riots
5 years
35 years
Note: Candidates can avail of cumulative age relaxation benefits by combining one of the above categories with SC/ST or OBC relaxation .

 Additional Eligibility Criteria

  • Educational Qualification: A candidate must possess a bachelor's degree in any discipline from a university recognized by the Government of India or any equivalent qualification recognized as such by the Central Government.
  • Nationality/Citizenship: The candidate must be either:
    • A Citizen of India, or
    • A subject of Nepal or Bhutan, or
    • A Tibetan refugee who came over to India before January 1, 1962, with the intention of permanently settling in India, or
    • A person of Indian origin who has migrated from Pakistan, Burma, Sri Lanka, East African countries of Kenya, Uganda, the United Republic of Tanzania (formerly Tanganyika and Zanzibar), Zambia, Malawi, Zaire, Ethiopia, and Vietnam with the intention of permanently settling in India, provided that a candidate belonging to categories (ii), (iii), and (iv) above shall be a person in whose favor a certificate of eligibility has been issued by the Government of India .
📈

Comparative Chart: Age Limit and Relaxation

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| Category                             | Age Relaxation | Effective Upper Age Limit |
|--------------------------------------|----------------|---------------------------|
| General (EWS)                        | None           | 30 years                  |
| SC/ST                                | 5 years        | 35 years                  |
| OBC (Non-Creamy Layer)               | 3 years        | 33 years                  |
| PwD                                  | 10 years       | 40 years                  |
| Ex-Servicemen                        | 5 years        | 35 years                  |
| 1984 Riot Victims                    | 5 years        | 35 years                  |
📝

Key Points to Remember

  • Cumulative Relaxation: SC/ST and OBC candidates can avail of a cumulative age relaxation by combining one of the above categories with SC/ST or OBC relaxation.
  • Document Verification: Candidates seeking age relaxation must submit the necessary certificates in original along with photocopies at the time of the interview or any subsequent stage of the recruitment process .
  • Final Result Declaration: The candidate must possess valid mark sheets/degree certificates indicating that they are a graduate on the day they register and indicate the percentage of marks obtained in Graduation while registering online.

IBPS PO Exam Pattern & Marking Scheme (2025)

The IBPS PO selection process consists of three major stages:
  1. Preliminary Examination
  2. Main Examination
  3. Interview

 Stage 1: Preliminary Examination

This is the first screening stage, and marks obtained here are not counted for final selection.
Prelims Exam Pattern
Section
No. of Questions
Maximum Marks
Time Allotted
English Language
30
30
20 minutes
Quantitative Aptitude
35
35
20 minutes
Reasoning Ability
35
35
20 minutes
Total
100
100
60 minutes
 Key Points:
  • Negative Marking: 0.25 marks are deducted for each wrong answer.
  • Cut-offs: Sectional and overall cut-offs are applied.
  • Mode: Online computer-based test.

 Stage 2: Main Examination

Marks scored in this stage are counted for final merit.
 IBPS PO Mains Exam Pattern
Section
No. of Questions
Maximum Marks
Time Allotted
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 (Objective)
155
200
3 hours
English Language (Descriptive Test)
2 (Essay + Letter)
25
30 minutes
Grand Total
157
225
3.5 hours
Key Points:
  • Descriptive Test: Introduced to evaluate writing skills.
  • Negative Marking: 0.25 marks deduction per wrong answer in objective tests.
  • Sectional Timing: Each section has a fixed time limit.
  • Mode: Online.

Stage 3: Interview

Particulars
Details
Conducted by
Participating banks and IBPS
Maximum Marks
100
Qualifying Marks
40% (35% for SC/ST/OBC/PwD)
Weightage in Final Score
20% (80:20 ratio with Mains)
 

Final Selection Criteria

Stage
Weightage
Mains Exam
80%
Interview
20%
Total
100%
Visual Comparison: Prelims vs Mains
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| Stage         | No. of Questions | Marks | Duration       |
|---------------|------------------|-------|----------------|
| Prelims       | 100              | 100   | 1 hour         |
| Mains         | 157              | 225   | 3.5 hours      |

 Summary of Marking Scheme

  • Correct Answer: Full marks for that question
  • Wrong Answer: 0.25 marks deducted in both Prelims & Mains (objective only)
  •  Descriptive Test: Subjective marking – Essay & Letter (25 marks)
  • Interview: Qualifying + Weighted (20%)
This detailed structure ensures a comprehensive assessment of a candidate’s aptitude, awareness, communication skills, and suitability for a career in banking. Would you like a visual PDF or chart version of this content for download or presentation?

IBPS PO Prelims + Mains Detailed Syllabus (2025)

The syllabus is divided into the following key subjects:
🔹 1. English Language
(Prelims + Mains)
Topic
Details / Sub-Modules
Reading Comprehension
Passages, Fact-based Qs, Synonyms, Antonyms, Tone, Theme, Inference
Cloze Test
Fill-in-the-blanks using context
Para Jumbles
Reordering jumbled sentences
Sentence Correction
Grammar errors, usage correction
Fill in the Blanks
Double and Single blank options
Error Spotting
Subject-verb, modifiers, articles
Sentence Improvement
Grammatical restructuring
Idioms and Phrases
Common usage in banking context
Vocabulary
Word meanings, antonyms, synonyms
Descriptive Writing (Mains Only)
Essay writing, Letter writing
🔹 2. Quantitative Aptitude
(Prelims + Mains - Mains version is called “Data Analysis & Interpretation”)
Topic
Details / Sub-Modules
Number Series
Missing term, wrong term
Simplification / Approximation
BODMAS, decimals, percentages
Quadratic Equations
Solving, comparing roots
Data Interpretation
Tables, Bar Graphs, Pie Charts, Caselets
Arithmetic Word Problems
Averages, Time-Speed-Distance, Work-Time
Percentage & Profit-Loss
Discounts, Marked & Cost Price
Simple & Compound Interest
Effective rate, difference questions
Ratio & Proportion, Partnership
Shares, investment-based questions
Mixture & Allegation
Quantity mixing problems
Mensuration
Area, Volume of 2D and 3D figures
Permutation & Combination
Counting principles
Probability
Simple event probability
🔹 3. Reasoning Ability
(Prelims + Mains - Mains has higher difficulty level)
Topic
Details / Sub-Modules
Puzzles and Seating Arrangement
Linear, Circular, Box-based, Floor puzzle
Syllogism
Traditional & Reverse syllogism, Venn logic
Coding-Decoding
Old and new pattern
Blood Relations
Puzzle-based, coded, traditional
Direction Sense
Distance, angle, direction-based questions
Inequalities
Direct and coded inequalities
Input-Output
Machine-based rearrangement
Logical Reasoning
Cause-effect, Statement-Conclusion, Assumption
Data Sufficiency
Two/Three statement based sufficiency
Alphanumeric Series
Letter-number combinations
Order & Ranking
Age-based, height, position questions
🔹 4. General/Economy/Banking Awareness 
(Only in Mains)
Topic
Details / Sub-Modules
Current Affairs
Last 6 months: National, International, Sports, Awards
Banking & Financial Awareness
RBI, Monetary policy, Banking history
Static GK
Country capitals, Indian geography, Currencies
Government Schemes
PMJJBY, PMJDY, Atal Pension Yojana etc.
Important Committees & Appointments
RBI & GOI committees, key appointees
Banking Abbreviations
RTGS, NEFT, NPA, CRR, SLR
Budget & Economic Survey
Budget highlights, fiscal deficit, taxes
International Organizations
IMF, World Bank, ADB, BRICS etc.
🔹 5. Computer Aptitude
(Part of Reasoning in Mains)
Topic
Details / Sub-Modules
Basics of Computers
Hardware, Software
Internet & Networking
IP, DNS, LAN/WAN, protocols
Microsoft Office Tools
MS Word, Excel, PowerPoint basics
Operating Systems
Windows, Linux basics
Keyboard Shortcuts
Ctrl+C, Ctrl+V etc.
Cyber Security
Viruses, Trojans, safe practices
Computer Abbreviations
ASCII, HTTP, USB, BIOS
Logic-based Computer Questions
Flowcharts, Input-output mapping
 
 
 

 Summary Chart: Syllabus Overview

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| Section                     | Prelims       | Mains         |
|----------------------------|---------------|---------------|
| English Language           |             | + Essay     |
| Quantitative Aptitude      |             | (DAI)       |
| Reasoning Ability          |             | + Computers |
| General Awareness          |             |              |
| Descriptive Writing        |             |              |

IBPS PO Participating Banks & Vacancy Trends (2020–2024)

 Bank-wise Vacancy Distribution (2024)
Bank Name
2024 Vacancies
2023 Vacancies
2022 Vacancies
2021 Vacancies
2020 Vacancies
Bank of India
885
NR
NR
NR
NR
Canara Bank
750
500
NR
NR
NR
Central Bank of India
2000
2000
NR
NR
NR
Indian Overseas Bank
260
NR
NR
NR
NR
Punjab National Bank
200
200
NR
NR
NR
Punjab & Sind Bank
360
125
NR
NR
NR
Bank of Baroda
NR
224
NR
NR
NR
Bank of Maharashtra
NR
NR
NR
NR
NR
Indian Bank
NR
NR
NR
NR
NR
UCO Bank
NR
NR
NR
NR
NR
Union Bank of India
NR
NR
NR
NR
NR
Total
4455
3049
6432
4135
4799
Note: "NR" indicates that the data is not reported or available.
 Vacancy Trends Over the Years
Year
Total Vacancies
2024
4455
2023
3049
2022
6432
2021
4135
2020
4799
🔍

Observations

  • Increase in Vacancies: The total number of vacancies saw a significant increase from 3049 in 2023 to 4455 in 2024, reflecting a 46% rise.
  • Central Bank of India offered the highest number of vacancies in 2024 with 2000 posts.
  • Bank of India and Canara Bank followed with 885 and 750 vacancies, respectively
  • Other Banks: Several banks, including Bank of Baroda, Bank of Maharashtra, Indian Bank, UCO Bank, and Union Bank of India, did not report vacancies for 2024

IBPS PO Application Process: Step-by-Step Guide

The application process for IBPS PO is conducted online only through the official website: www.ibps.in. Below are the detailed steps:
🔹 Step 1: Visit the Official Website
  • Go to www.ibps.in
  • Click on “CRP PO/MT” under "CRP (Common Recruitment Process)".
  • Then click on “Click here to apply online for CRP PO/MT-XV”.
🔹 Step 2: Registration
  • Click on “New Registration”.
  • Enter your basic information:
    • Name
    • Mobile Number
    • Email ID
  • A Provisional Registration Number and Password will be generated and sent to your mobile/email.
Tip: Save this login info carefully — you’ll need it throughout the process.
🔹 Step 3: Upload Scanned Documents
You will need to upload the following as per IBPS guidelines:
Document
Format
Size
Notes
Photograph
JPG/JPEG
20KB – 50KB
Recent passport-size color photo
Signature
JPG/JPEG
10KB – 20KB
In black ink, on white paper
Left Thumb Impression
JPG/JPEG
20KB – 50KB
In blue/black ink, on white paper
Handwritten Declaration
JPG/JPEG
50KB – 100KB
Text: “I, _ (Name), ... as per rules.”
 Declaration Text (to be written in candidate’s handwriting):
"I, _ (Name of the candidate), hereby declare that all the information submitted by me in the application form is correct, true, and valid. I will present the supporting documents as and when required."
🔹 Step 4: Fill in Detailed Application Form
Sections include:
  1. Personal Information
    • DOB, gender, category, religion, etc.
  2. Educational Qualifications
    • Graduation details: degree, percentage, university
  3. Work Experience (if any)
  4. Bank Preferences
    • Choose participating banks in order of preference
  5. Language Proficiency
    • Ability to read/write/speak the local language
🔹 Step 5: Preview & Edit
  • You can preview your entire application before final submission.
  • Make sure all entries are correct, especially:
    • Spelling of name
    • Mobile/email
    • Category (UR/OBC/SC/ST/PwD)
    • Bank preference order
Once submitted, you cannot edit the form.
🔹 Step 6: Payment of Application Fee
Category
Fee
General/OBC/EWS
₹850
SC/ST/PwD
₹175
  • Payment is done online via:
    • Credit/Debit Card
    • Net Banking
    • UPI
    • Wallets
📧 Once payment is successful, an e-receipt and application confirmation will be sent to your email.
🔹 Step 7: Download & Save Application
  • Download the final application PDF and payment receipt.
  • Print and safely store both for future reference.

 Important Things to Keep in Mind

Requirement
Detail
Valid Email ID
For OTPs and updates
Working Mobile Number
Required throughout the recruitment process
Documents Ready
Soft copies of photo, signature, thumb impression, etc.
Internet Banking/Digital Wallet
For online fee payment
Application Correction Window
Not available post-final submission   
🧾

Checklist Before Submitting

Correct spelling of name, email, and DOB
Valid category and reservation claim
Bank preference filled carefully
Correct document format and sizes
Accurate graduation percentage and details

Credit Score details of IBPS candidates

As per the latest guidelines issued by the Institute of Banking Personnel Selection (IBPS) in July 2023, candidates applying for clerical and probationary officer positions in public sector banks must maintain a healthy credit history. Specifically, applicants are required to have a minimum CIBIL score of 650 or above at the time of joining the participating banks.
Key Points:
  • CIBIL Score Requirement: A minimum score of 650 is mandated.
  • No Bank Account Holders: Candidates without a bank account are exempt from providing their CIBIL status.
  • No Objection Certificate (NOC): If a candidate's CIBIL status is not updated before the joining date, they must provide an NOC from the lender confirming no outstanding dues.
  • Consequences of Non-Compliance: Failure to meet the CIBIL score requirement or provide the necessary documentation may lead to the withdrawal or cancellation of the job offer.
Note: This credit history clause is a recent addition to the eligibility criteria and underscores the importance of financial responsibility in the banking sector

Prelims Cut-Off Marks

Category
2023 Cut-Off
2024 Cut-Off
General (UR)
54.25
48.50
SC
49.50
48.00
ST
43.00
41.00
OBC-NCL
54.25
48.50
EWS
54.25
48.50
HI
21.75
16.00
OC
42.50
35.00
VI
39.00
15.75
ID
20.25
15.50

Mains Cut-Off Marks

Category
2023 Cut-Off
2024 Cut-Off
General (UR)
63.00
Data Not Available
OBC
62.25
Data Not Available
SC
50.25
Data Not Available
ST
41.00
Data Not Available
EWS
61.00
Data Not Available
HI
28.75
Data Not Available
OC
45.75
Data Not Available
VI
47.50
Data Not Available
ID
37.00
Data Not Available
 

Final Cut-Off Marks (Provisional Allotment)

Category
Maximum Scores (2023)
Minimum Scores (2023)
Maximum Scores (2024)
Minimum Scores (2024)
SC
48.98
38.02
Data Not Available
Data Not Available
ST
47.09
36.24
Data Not Available
Data Not Available
OBC
51.16
41.38
Data Not Available
Data Not Available
EWS
49.24
41.76
Data Not Available
Data Not Available
UR
57.62
43.47
Data Not Available
Data Not Available
OC
43.73
24.11
Data Not Available
Data Not Available
VI
47.60
35.73
Data Not Available
Data Not Available
HI
52.76
37.82
Data Not Available
Data Not Available
ID
45.76
22.80
Data Not Available
Data Not Available
 Key Observations:
  • Prelims Cut-Offs: In 2024, the cut-off marks for the General category decreased from 54.25 in 2023 to 48.50. Similarly, cut-offs for other categories also saw a decline.
  • Mains Cut-Offs: Data for the 2024 Mains cut-offs is currently unavailable.
  • Final Cut-Offs: The final cut-off scores for 2024 have not been released yet.

Advantages of Becoming an IBPS PO

Joining as a Probationary Officer (PO) through the IBPS exam opens up a wide range of benefits and opportunities, both in terms of career growth and financial stability. Here’s what makes it a highly sought-after government job:
1. Job Security and Stability
  • Public sector bank jobs are permanent and governed by central government rules.
  • Employees enjoy lifetime job security, especially valued in uncertain economic times.
  • Less risk of layoffs compared to private sector jobs.
2. Attractive Salary Package
Component
Amount (Approx.)
Basic Pay
₹36,000
DA (Dearness Allowance)
₹8,500 – ₹12,000
HRA (House Rent)
₹3,240 – ₹4,500
CCA (City Compensatory)
₹870 – ₹1,400
Other Allowances
₹2,000 – ₹4,000
Gross Salary
₹52,000 – ₹55,000/month
Net In-Hand Salary
₹45,000 – ₹48,000/month
🧾 Perks:
  • Leased accommodation
  • Travel allowance
  • Newspaper allowance
  • Petrol allowance
  • Medical benefits for self & dependents
  • Low-interest loans from banks
3. Career Growth and Promotions
IBPS POs have a clearly defined promotion channel with timely assessments. Promotions can be either merit-based or through seniority. Promotion Hierarchy:
Level
Designation
Entry Level
Probationary Officer (PO)
After 2–3 years
Assistant Manager
5–7 years
Branch Manager / Deputy Manager
10–12 years
Senior Manager / AGM
15+ years
DGM → GM → CGM
Topmost
Executive Director → Chairman/MD
 Officers can also appear for internal promotional exams or lateral movements into RBI, NABARD, or international banking roles.
4. Transferable but Balanced Life
  • Transfers happen every 2–3 years, but banks ensure geographic preference, especially for women and PwD employees.
  • Most banks follow 5-day working weeks, especially in urban branches.
  • Offers a good work-life balance compared to high-stress corporate jobs.
5. Reputable Government Job
  • Being a government officer brings prestige in society.
  • Opportunities to lead teams, manage public money, and serve diverse communities.
  • Consistent interactions with business clients and the general public improve social and managerial skills.
6. Further Opportunities
  • Eligible to apply for foreign postings in Indian bank branches overseas.
  • Banks sponsor high-performing officers for MBA/CAIIB certification or training at institutions like NIBM or abroad.
  • Some officers also enter financial regulatory bodies or switch to civil services with ease due to banking experience.
7. Retirement Benefits
  • Pension under NPS (National Pension Scheme).
  • Gratuity, PF, and medical coverage post-retirement.
  • Some banks offer staff quarters for retirees in select cities.

 Why Choose IBPS PO?

Aspect
Benefit
Salary & Perks
₹55,000+ monthly with allowances
Growth Opportunities
Fast promotions + possibility of becoming General Manager
Work Environment
Respected, less stress than private sector
Transfers
Pan-India exposure but considerate for preferences
Social Prestige
Government officer status
Long-Term Security
Pension, NPS, medical post-retirement
Becoming an IBPS PO not only ensures a stable and rewarding career but also positions you as a respected figure in India’s growing financial system.
Would you like a visual infographic or printable brochure version of this information?

How to Prepare for IBPS PO 2025: A Smart Study Plan by Edupath Coaching

Are you dreaming of a secure and prestigious banking job? The IBPS PO exam 2025 is your golden opportunity to become a Probationary Officer in a nationalized bank. With thousands of vacancies and fierce competition, smart preparation is the key to success.
At Edupath Coaching, we specialize in guiding aspiring bankers like you to achieve top ranks with a strategic, personalized, and proven study plan. In this blog, we’ll break down the IBPS PO syllabus, exam strategy, daily study schedule, and preparation tips to help you crack IBPS PO in your first attempt.
📅

60-Day Study Plan for IBPS PO – By Edupath Experts

Here’s a well-balanced 2-month plan to cover the entire syllabus, practice mocks, and revise efficiently.
🔹 Weeks 1–4: Concept Building (Days 1–28)
Day
Focus Area
Activities
Mon
Quant + English
Concept classes + 20 practice Qs
Tue
Reasoning + GA
Puzzle solving + daily current affairs
Wed
DI + Grammar
Bar graphs, simplification, Cloze test
Thu
Reasoning + Quant
Seating, Number Series, Speed Maths
Fri
English + Banking Awareness
Vocabulary + static GK
Sat
Mixed Practice
Sectional quizzes + mock test
Sun
Mock Test & Analysis
1 full mock + error log maintenance
Focus: Strengthen concepts, improve accuracy, maintain consistency.
🔹 Weeks 5–8: Speed, Strategy & Revision (Days 29–60)
Activity
Schedule
Daily Mock Tests
1 full-length mock every morning
Sectional Practice
Focus on weak areas in afternoon sessions
Descriptive Practice
3 essays + 3 letters per week
GA & Banking Revision
Use Edupath capsules and weekly quiz series
Interview Prep (Final Weeks)
Start building awareness, mock interviews
Focus: Time management, mastering strategy, performance under pressure.
🎯

Tips to Crack IBPS PO 2025 – Edupath Expert Advice

  1. Make a personalized time-table and stick to it.
  2. Analyze mock tests deeply — don't just take them.
  3. Read newspapers daily (The Hindu/Indian Express) for current affairs and vocabulary.
  4. Join a coaching center like Edupath for structured learning and mentorship.
  5. Revise formulas and tricks weekly to keep them fresh.
💡

Why Prepare with Edupath Coaching?

🎓 Expert Faculty – Banking specialists with real interview experience
📚 Updated Study Materials – Tailored to IBPS pattern
📈 Mock Test Series – Based on latest difficulty levels
🎥 Live + Recorded Classes – Study anytime, anywhere
🙌 Doubt Clearing Sessions – One-on-one mentor support
"At Edupath, we don’t just teach — we mentor you toward your dream job!"
🚀

Final Words – Your Dream Bank Job Starts Now!

The IBPS PO 2025 exam is a test of preparation, not luck. With Edupath by your side, your dream of becoming a Bank PO is not just possible — it’s achievable.
👉 Enroll in Edupath’s IBPS PO Course today and take your first step toward a powerful banking career!

📞 Call:  9746349575]
🌐
Visit: [ www.edupathsolutions.com]
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