Punjab and Sind Bank MSME Relationship Managers Recruitment 2025 for MSME Relationship Managers as a contractual position with multiple vacancies. The total number of positions offered is 30, which includes reservations for various categories including SC (Scheduled Caste), ST (Scheduled Tribe), OBC (Other Backward Classes), EWS (Economically Weaker Section), and General/Unreserved categories. Additionally, there is one position reserved for persons with benchmark disabilities. This extensive recruitment drive demonstrates the bank’s commitment to strengthen its MSME lending portfolio and expand its customer base in this crucial business segment.
Important Dates
| Event | Date |
|---|---|
| Online Application Start Date | November 5, 2025 |
| Online Application Last Date | November 26, 2025 |
| Last Date for Editing/Modification & Fee Payment | November 26, 2025 |
| Written Test Date | To be announced on official website |
| Screening & Interview Date | To be announced on official website |
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Vacancy Details and Category-Wise Reservation
The bank has strategically allocated vacancies across different categories to ensure inclusive hiring practices. The breakdown is as follows:
| Category | Number of Positions |
|---|---|
| Scheduled Caste (SC) | 4 |
| Scheduled Tribe (ST) | 2 |
| Other Backward Classes (OBC) | 8 |
| Economically Weaker Section (EWS) | 3 |
| Unreserved/General (UR) | 13 |
| Persons with Benchmark Disabilities (PwBD) | 1 |
| Total Vacancies | 30 |
Eligibility Criteria for MSME Relationship Managers
Understanding the eligibility criteria is the first step toward preparing for this recruitment. Let us break down each eligibility requirement comprehensively.
| Criteria | Requirements |
|---|---|
| Nationality | Indian citizen or subject of Nepal, Bhutan, or Tibetan refugee (migrated before Jan 1, 1962) or Persons of Indian Origin from Pakistan, Burma, Sri Lanka, East African countries |
| Age Limit | 25 to 33 years (as on November 1, 2025) – Born between November 2, 1992 to November 1, 2000 |
| Age Relaxation – SC/ST | 5 years additional relaxation |
| Age Relaxation – OBC | 3 years additional relaxation |
| Age Relaxation – PwBD | 10 years additional relaxation |
| Age Relaxation – Ex-Servicemen | 5 years (with minimum 5 years military service) |
| Age Relaxation – 1984 Riot Affected | 5 years additional relaxation |
| Mandatory Education | Graduation degree (any discipline) from recognized university/institution |
| Preferred Education | MBA with specialization in Marketing or Finance |
| Work Experience | Minimum 3 years post-qualification professional experience in relationship/credit management, preferably in MSME banking with scheduled commercial banks, NBFCs, or financial institutions |
| Credit History | Minimum CIBIL score of 650 or above |
Contractual Terms and Employment Conditions
Understanding the employment terms is essential before applying for this position.
Contract Duration and Terms
| Term | Details |
|---|---|
| Initial Contract Period | 3 years |
| Probation Period | 6 months |
| Extension Possibility | Possible on annual basis up to maximum 5 years |
| Extension Criteria | Based on organizational needs and annual performance review |
| Termination by Bank | Anytime without reason by giving 1 month advance notice or salary in lieu |
| Termination by Candidate | Anytime by giving 1 month advance notice or paying 1 month salary in lieu |
| Notice Period | 1 month advance notice required from both sides |
| Contract Status | Subject to annual performance review |
| Employment Condition | No simultaneous employment with any other organization allowed |
Selection Process and Examination Pattern
The bank follows a comprehensive three-stage selection process to identify the best candidates for this position.
Stages of Selection
- Written Test (may be conducted depending on the number of applications)
- Screening Process
- Personal Interview
Examination Details
If a written test is conducted, the examination pattern will be as follows:
| Section | Number of Questions | Maximum Marks | Time Duration |
|---|---|---|---|
| English Language | 20 | 20 | 15 minutes |
| General Awareness | 20 | 20 | 30 minutes |
| Professional Knowledge | 60 | 60 | 60 minutes |
| Total | 100 | 100 | 105 minutes |
Minimum Qualifying Marks
The bank has set specific minimum qualifying percentages for different categories:
- Unreserved and EWS Category candidates: 40% in each section
- Reserved Category candidates: 35% in each section
Merit Preparation and Ranking
It is important to note that only marks obtained in the Professional Knowledge section will be considered for preparing the merit list and shortlisting candidates for the interview stage. Marks from English Language and General Awareness sections are only used for determining qualification but not for merit ranking.
Ranking Methodology
In case multiple candidates achieve the same cut-off marks (common mark at cut-off point), they will be ranked according to age in descending order, meaning older candidates will be ranked higher.
Final Merit List Compilation
The combined final scores for the merit list are calculated as follows:
- Written Test Score: 70% weightage
- Personal Interview Score: 30% weightage
In case only the interview is conducted without a written test, the interview score carries 100% weightage.
Examination Centers Across India
The bank has arranged examination centers across multiple cities to ensure accessibility for candidates. Centers are available in major cities and towns across all states and union territories, including places like Delhi, Mumbai, Bangalore, Hyderabad, Pune, Kolkata, Chennai, Ahmedabad, and many others across India.
Candidates should note that no request for change of examination center, date, or session will be entertained. The bank reserves the right to merge, cancel, or add examination centers based on administrative feasibility and response patterns.
Application Fee Structure
The application fee varies based on the applicant’s category:
| Category | Application Fee |
|---|---|
| SC/ST/PWD (Persons with Disabilities) | ₹100 + Applicable Taxes + Payment Gateway Charges |
| General, EWS & OBC | ₹850 + Applicable Taxes + Payment Gateway Charges |
Bank transaction charges for online payment of application fees are the responsibility of the candidate and must be borne by them.
How to Apply Online
Pre-Application Requirements
Before beginning the online application process, candidates should prepare the following:
- A valid personal email ID (create one if you don’t have one)
- An active mobile number
- Passport size photograph (in .jpg or .jpeg format)
- Signature scan (in .pdf format)
- Thumb impression scan (in .pdf format)
- Scanned copies of all required documents (in PDF format)
Application Procedure
- Visit the official website: https://punjabandsind.bank.in
- Navigate to the “Recruitment” section on the home page
- Click on the relevant notification link
- Fill in all the required information carefully and accurately
- Upload all necessary documents in the specified format
- Review the application before submission
- Make the payment of application fees through the online mode only
- Keep a printout of the successfully submitted application for future reference
Important Points to Note
- Do not change your appearance significantly until the entire recruitment process is completed
- Ensure that your email ID and mobile number remain active throughout the process
- Fill in the correct spelling of your name and father/husband’s name as it appears on your certificates and identity proof
- No request for address, email, phone number, or category change will be entertained after submission
- Ensure your signatures are identical across all documents and correspondence
- Multiple applications for a single position will result in cancellation of candidature
Documents Required for Interview and Verification
When called for the interview, candidates must bring original documents along with self-attested copies of the following:
- Date of birth certificate
- Printout of interview call letter
- Valid system-generated printout of the online application form
- All age relaxation and reservation proof documents
- Educational qualification certificates and mark sheets
- Work experience supporting documents with NOC from employer
- Category/caste/disability certificates (if applicable)
- Valid income and asset certificate for EWS candidates
- Disability certificate for PwBD candidates
- Photograph identity proof
- Two passport-size photographs
General Instructions and Important Conditions
Key Points Every Candidate Should Know
The bank reserves the right to reject any candidature at any stage of the recruitment process if the candidate is found ineligible, has furnished incorrect information, or has suppressed material facts. The application fee will be forfeited in such cases.
Merely meeting the minimum qualification and experience criteria does not guarantee an interview call. The bank considers the overall suitability and experience of candidates based on its specific requirements.
The bank may cancel the entire recruitment process without providing any reason, notice, or refund of application fees under unforeseen circumstances.
Canvassing in any form is a complete disqualification from the recruitment process.
Candidates found guilty of misconduct, such as using unfair means during the examination or interview, impersonating others, or obtaining support through improper means, may face criminal prosecution, permanent or temporary debarment from all bank examinations, and termination if already employed.
Conclusion
The MSME Relationship Manager position at Punjab and Sind Bank represents an excellent career opportunity for banking professionals and experienced candidates who are passionate about business development and client relationship management in the MSME sector. With 30 positions available and transparent selection criteria, this recruitment drive offers a fair chance to deserving candidates across all categories.
Important Links
| Details of Topic | Direct Links |
| Official Notification | Click Here |
| Apply Link | Click Here |
| Official Website | Click Here |
| For Any Update Join Telegram Channel | Click Here |