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SBI Clerk 2026 · PAPER REVIEW

SBI Clerk Exam Analysis 2026 · prelims & Mains

SBI does not publish a paper analysis, difficulty ratings or attempt figures. This page sets out what the official documents do confirm — the 2026 exam schedule, the test-wise structure of both papers, what a wrong answer costs in each test, and how candidates are shortlisted and ranked.

Test-wise review ↓ Marking maths 📊 Built from the official advertisement and the prelims “Acquaint Yourself” booklet — no unofficial difficulty or attempt numbers.
Overview

SBI Clerk 2026: what we know

The advertisement schedules the prelims tentatively in September 2026. Call letters are out, and each candidate’s exact date and shift are printed on their own call letter — SBI has not published a public date-wise schedule, so we don’t quote one. SBI does not publish difficulty ratings or good-attempt figures either, so we don’t offer a verdict on how the paper went. The Main exam is tentatively in November 2026; the prelims result date has not been announced.

Prelims
September 2026 (tentative) — date on your call letter
Prelims paper
100 questions · 100 marks · 1 hour (3 tests × 20 min) · 5 options per question
Main exam
November 2026 (tentative)
Mains paper
190 questions · 200 marks · 2 hours 40 minutes (4 tests, separately timed)
Negative marking
¼ of the question’s marks per wrong answer
Prelims result
Awaited — date not announced (on SBI’s careers page)
What you get

What this page covers

✓
Official paper structureTests, questions, marks & time
✓
Marks per questionWorked out from the official tables
✓
Penalty per wrong answerTest by test
✓
Prelims shortlistingAbout 10× vacancies, on aggregate marks
✓
Mains qualifying ruleMinimum aggregate set by SBI, no sectional minimum
−
Difficulty & good attemptsNot published by SBI — not shown
Per test

Test-wise paper

Test names, questions, marks and timings are from the advertisement; each test is separately timed, and the prelims “Acquaint Yourself” booklet says every prelims question has five options. The English tests are in English only; the others are offered in English, Hindi and the language(s) listed for your state/UT. SBI publishes only test names (plus illustrative sample questions for the prelims), so the topic lists below are commonly tested areas, not an official syllabus.

Prelims · English Language

30 Q · 30 marks · 20 min · English only. The booklet’s sample questions cover grammar and error spotting, vocabulary, sentence completion, synonyms, antonyms and passage comprehension.

Prelims · Numerical Ability

35 Q · 35 marks · 20 min. The booklet describes it as speed and accuracy with numbers — computation, quantitative reasoning and interpreting tables and graphs. Commonly tested: simplification, number series, data interpretation and arithmetic.

Prelims · Reasoning Ability

35 Q · 35 marks · 20 min. The booklet’s samples include odd-one-out, analogies, word formation and statement–conclusion questions. Commonly tested: puzzles and seating arrangement, syllogism, inequalities and coding-decoding.

Mains · General / Financial Awareness

50 Q · 50 marks · 35 min. Commonly tested: current affairs, banking and financial awareness, and static general knowledge.

Mains · General English

40 Q · 40 marks · 35 min · English only. Commonly tested: reading comprehension, vocabulary, error detection and sentence-level questions.

Mains · Quantitative Aptitude

50 Q · 50 marks · 45 min. Commonly tested: data interpretation, number series, quadratic equations and arithmetic word problems.

Mains · Reasoning Ability & Computer Aptitude

50 Q · 60 marks · 45 min. Commonly tested: puzzles and seating arrangement, syllogism, input-output, coding-decoding and computer fundamentals.

See the full SBI Clerk exam pattern
Official marking

What a wrong answer costs

Every test deducts one-fourth of a question’s marks for each wrong answer, in both prelims and Mains; a question left blank costs nothing. Because marks per question are higher in the Mains Reasoning & Computer Aptitude test, so is the penalty there. Worked out from the official marks and question counts:

TestMarks per questionPenalty per wrong answer
Prelims · English Language1.000.25
Prelims · Numerical Ability1.000.25
Prelims · Reasoning Ability1.000.25
Mains · General / Financial Awareness1.000.25
Mains · General English1.000.25
Mains · Quantitative Aptitude1.000.25
Mains · Reasoning Ability & Computer Aptitude1.200.30

The Mains figures assume marks are spread equally across a test’s questions (for Reasoning Ability & Computer Aptitude, 60 marks over 50 questions) — SBI states only test totals. SBI does not publish good-attempt numbers, so we don’t show any.

How candidates are compared

Shortlisting & qualifying marks

In the prelims, no minimum qualifying marks are prescribed for the individual tests or the aggregate, and section-wise marks are not maintained: all candidates are arranged in descending order of aggregate marks, and about 10 times the vacancies in each category (subject to availability) are shortlisted for Mains. In the Mains you need a minimum percentage on the aggregate, decided by the bank, with 5% relaxation for SC/ST/OBC/PwBD/XS/DXS candidates; there is no minimum for individual tests. Qualified candidates are ranked on the Mains aggregate within their state and category. The advertisement doesn’t publish the cut-off marks themselves.

See how the SBI Clerk cut-off works
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FAQ

Analysis questions, answered

No. SBI publishes the exam structure, the shortlisting and qualifying rules, call letters and results, but no test-wise difficulty ratings or attempt figures. Analyses you see online are unofficial opinions.
SBI does not publish any such figure, and it would change with every paper, so we don’t quote one. What is official: each wrong answer costs one-fourth of that question’s marks, and the prelims shortlist is drawn on aggregate marks (about 10 times the vacancies in each category), so accuracy matters as much as the number of questions you attempt.
For each wrong answer, one-fourth of the marks assigned to that question is deducted, in both prelims and Mains. Unanswered questions carry no penalty.
SBI has not announced a date. The advertisement schedules the prelims tentatively in September 2026 and the Main exam tentatively in November 2026; shortlisted candidates can download Mains call letters tentatively from 10 days before the Mains date. Check SBI’s careers page, sbi.bank.in/web/careers/current-openings, for updates.

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