Indian Overseas Bank LBO: Cutoff Guide
A Indian Overseas Bank LBO cutoff belongs to a particular recruitment cycle, stage and category. For 2026–27 there are no sectional online qualifying marks. The minimum online aggregate is 30% for reserved and 35% for unreserved candidates, but competitive shortlisting can require more. State-wise and category-wise merit and the separate interview rule still apply.
Applications for the 2026–27 intake ran from 8 to 24 August 2026 and are closed. The bank scheduled the online examination for 24 and 29 September 2026. The official careers page lists the examination notice and handout; candidates should check that page for subsequent stage announcements rather than assume a result date. This page explains what the different thresholds mean and how to use a verified result as a benchmark. It does not convert a prediction or a practice score into an official figure. The suggested study methods are editorial guidance; the cited official notice determines recruitment rules.
2025 online cutoffs: examination of 12 July 2025
The bank published these historical scores in its official cutoff and marks notice dated 16 April 2026. They belong to the 2025–26 recruitment, not the 2026–27 intake. Online totals are out of 200. The six-state table also includes states that have no vacancy in the new four-state intake.
State | SC | ST | OBC | EWS | UR |
|---|---|---|---|---|---|
Gujarat | 141.00 | 130.00 | 142.75 | 142.75 | 149.50 |
Maharashtra | 151.75 | 139.25 | 153.25 | 153.00 | 156.25 |
Odisha | 143.50 | 131.50 | 149.25 | 150.50 | 155.25 |
Punjab | 144.50 | 93.50 | 146.25 | 151.75 | 157.00 |
Tamil Nadu | 140.25 | 73.25 | 150.50 | 98.75 | 153.00 |
West Bengal | 148.50 | 116.00 | 145.25 | 145.50 | 157.50 |
2025 final aggregate cutoffs, out of 100
State | SC | ST | OBC | EWS | UR |
|---|---|---|---|---|---|
Gujarat | 74.20 | 67.90 | 73.90 | 75.40 | 76.90 |
Maharashtra | 77.90 | 72.00 | 78.30 | 78.30 | 79.40 |
Odisha | 73.40 | 70.40 | 78.10 | 77.40 | 79.10 |
Punjab | 76.20 | 63.10 | 77.00 | 75.80 | 79.90 |
Tamil Nadu | 74.20 | 56.90 | 77.70 | 66.20 | 78.60 |
West Bengal | 75.50 | 66.10 | 75.90 | 75.90 | 80.60 |
The final aggregate combines the online examination and interview, so it cannot be compared directly with a raw written score out of 200. The official notice also lists separate PwBD figures. Consult the full table for the exact horizontal category rather than treating a missing entry as zero.
The current rule differs from the historical rule
The 2026 advertisement and information handout say there are no sectional qualifying marks, while the 2025 cutoff notice lists sectional thresholds. Do not transfer the older rule to the current cycle. Also, the wrong-answer deduction is a quarter of the question's value, not a flat 0.25 for every question.
For 2026–27 there are no sectional online qualifying marks. The minimum online aggregate is 30% for reserved and 35% for unreserved candidates, but competitive shortlisting can require more. State-wise and category-wise merit and the separate interview rule still apply.
The 2025 sectional thresholds were 23.75, 2.00, 20.00 and 10.50 for SC/ST/OBC/PwBD, and 34.25, 3.25, 30.00 and 14.75 for UR/EWS, in Reasoning, Awareness, Data Analysis and English respectively. These are historical results only. The current official handout states no sectional qualifying marks; do not use the old thresholds as a 2026 requirement.
How to read a published cutoff
Label the cycle: record the advertisement and examination year, not merely the date a web page was updated.
Match the stage: identify whether the figure is a written shortlist, interview minimum or final selection result.
Check the denominator: a score out of 100 cannot be compared directly with a raw total out of 200.
Use the right category: reservation, stream or state can affect the list to which a figure belongs.
Keep the source: save the official notice or your scorecard and note whether the figure is raw, scaled or weighted.
The Indian Overseas Bank LBO score calculation guide explains the marks and stage structure. Read it before deciding that two different totals indicate an increase or decrease in difficulty.
Why cutoffs change
Vacancies, the number and performance of candidates and paper difficulty can change a competitive threshold. A change in the paper’s maximum marks or merit method also breaks a simple year-to-year comparison. Do not assume normalisation applies unless the official instructions say so; likewise, do not treat an unannounced adjustment as a reason to reinterpret your practice marks.
Set a preparation target you can control
Once you have a comparable official benchmark, aim for a consistent margin above it rather than one lucky attempt at the minimum. Until then, build a baseline from several fresh practice papers. Track correct answers, avoidable errors, time use and any component that must qualify separately. A personal improvement target is useful even when no official historical cutoff is available.
The Indian Overseas Bank LBO mock-test analysis guide helps turn a score into a repair plan. Use available Testkart practice resources only after checking their scoring and coverage against the notice; a commercial leaderboard is not the official recruitment merit list.
Review the trend across comparable tests rather than averaging unrelated papers. If a total rises while accuracy falls, check whether easy questions or a changed penalty created the improvement. Testkart can support a regular practice routine where suitable resources are listed, but official recruitment results remain the authority for selection.
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