Defaulter in bank Not Eligible for SBI Clerk Exam 2016

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If you have applied for SBI Clerk Exam or are willing to apply for it, then this is the news you definitely can’t miss.             

Defaulter in bank Not Eligible for SBI Clerk Exam 2016

Dear MockBankers

In this article you will get an important update about the most awaited SBI Clerk Examination. You might have seen it, if you filled the application form with utmost care.

Even if you missed it or are yet to fill the form, read the article carefully, because it will directly affect your eligibility for this SBI Clerk exam.

SBI Clerk was one of the most awaited exam of 2016. Only a few days ago, the recruitment was announced. But this time there is a significant change in it. The notificationthis year is for Junior Associates and Junior Agricultural Associates. A new criteria that can affect your eligibility this year is also added in the notification,

As per that criteria if you are a defaulter in SBI ( Junior Vijay Mallya Types) then your candidature may be cancelled making you ineligible for  the Exam.

This criteria is related to loans & credit card dues wherein if you have defaulted in repayment then you are ineligible to apply for their clerical recruitment.

The new eligibility Criteria for SBI Clerk 2016 Recruitment

Defaulter in bank Not Eligible for SBI Clerk Exam 2016

As we all know the eligibility criteria to apply for SBi Clerk Exam is a degree ie graduation in any stream. Well that is still the same as most of the pota in this category.

But there are two new rules that have added this year.

Rule1: Repayment of Loans:

This is the first time, you will see any such criteria of recruitment in any government sector exam.The bank is asking about your credit history.As per the notification it states

“Candidates with record of default in repayment of loans/credit card dues and/or against whose name, adverse report of CIBIL or other external agencies are available are not eligible to apply for the post.”

What it means?

In simple words, If you had taken any loan be it education loan or home loan or vehicle loan or personal loan or even credit card loan & have defaulted or missed the repayment, then you are not eligible to apply for the SBI Clerk posts.

How SBI will Check it?

The possibility is that SBI may verify your CIBIL scores, before your appointment. The same procedure is followed by private banks as a part of the background verification.

Rule 2:Complaint Against Your Character

This is also the first time, you will see any such criteria of recruitment in any government sector exam.The bank is asking about your character.As per the notification it states

“Candidates against whom there is/are adverse report regarding character & antecedents, moral turpitude are not eligible to apply for the post.“

What it means?

In simple words, If you are having bad conduct character report in your name like a police report or pending enquiry on inappropriate behaviour or code of conduct, then you are not eligible to apply for the SBI Clerk posts.

How SBI will Check it?

The possibility is that SBI may verify your character, before your appointment. The same procedure is followed by private banks as a part of the background verification.

Our take on that

Well, we are not criticizing SBI for introducing this rule but still there are many candidates who had taken educational loans for their study but were not able to repay it on time due to unavailability of jobs.

Enroll for Mock Tests of SBI Clerk Exam crack SBI Clerk in only ₹199.  

Friends this is it regarding the eligibility of SBI Clerk Exam. What’s your take on these new rules added by SBI?If you have any queries regarding it, kindly drop your answers in the comments section. We will be glad to answer them.

  • Dhoopati Haribabu

    I had never took any loan from banks on my name iam OK with the application right?

    • Sameer Sharma

      Yes …u can go agead

      • ilak

        I got education loan in IOB can I apply for sbi clerk exam

        • Sameer Sharma

          Yes …u can apply

        • AMIT CHAUDHARY

          Ilak
          If it is being repaid properly then no issues
          You can apply

    • AMIT CHAUDHARY

      Dhoopati Haribabu
      Yes you are Ok then

  • IBPS RRB (Officer Scale-1)

    Sir……i have a educational loan bending in INDIAN BANK (May 2014) onwards……..i am eligible or not……

    • AMIT CHAUDHARY

      IBPS RRB (Officer Scale-1)
      if you have repaid all the instalments at proper time, then you are eligible

      • IBPS RRB (Officer Scale-1)

        i cannot understand sir……..no i am not starting to pay any amount regarding in my educational loan past 2 years……

        • AMIT CHAUDHARY

          have you received any notice from the bank regarding loan default or repayment?

          • IBPS RRB (Officer Scale-1)

            ya notice came to my home sir……this condition also follow in IBPS PO sir………

          • AMIT CHAUDHARY

            If that is the case, you better contact with the bank that gave you notice, because they may create any issue afterwards

  • Roshan

    I had a SBI credit card. Due to some misunderstanding I stop paying the credit card bill. Recently I closed credit card on health grounds. SBI Cards had issued me a ” No due certificate” as a proof. Will I be eligible?

    • AMIT CHAUDHARY

      Roshan
      If all the bills are cleared now, then there will be no issue

  • Karthik M

    sir i have taken loan from ANDHRA BANK and paying bit amount monthly past 2 yrs and i have not received any notice from bank, am i eligible to apply? and one more important doubt is that when will verification takes place either before giving offer letter for qualifed one’s or during form filling..please clarify my doubt

    • AMIT CHAUDHARY

      Karthik
      That can take place any time from document verification to even after joining the bank

  • ajay verma

    Sir yadi father k naam se Laon pass ho to beta apply Kr sakta h ya nhi ???

    • AMIT CHAUDHARY

      Ajay
      Haan kar sakta h

  • Mansi

    Sir am selected in ibps clerical @ Bob. Is medical test is of qualifying nature? Or will they cancel selection if they find any issue

    • AMIT CHAUDHARY

      Mansi
      Do not worry.
      Almost all candidates pass the medical test.
      Even if there is any issue, they don’t reject you but give time to resolve that issue

  • vidhu

    Sir, if the loan taken in sbi only are not eligible or also taken from other banks

    • AMIT CHAUDHARY

      Vidu
      Any bank of national level

  • Mansi

    Thank you sir

    • AMIT CHAUDHARY

      Mansi
      you are welcome

  • Luminous

    I have taken loan from Andhra bank and paid completely after 6 years. Am I eligible?

    • AMIT CHAUDHARY

      Luminous
      Yes you are

      • Luminous

        I have defaulted (missed) repayment many times and finally paid completely in 6th year. Is that OK?

        • AMIT CHAUDHARY

          Luminous
          If all the repayments are done and it is finally settled, then it will not create any issue

          • Luminous

            Thank you

          • AMIT CHAUDHARY

            You are welcome Luminous

  • rajesh

    sir i have taken education loan in 2009.i failed to make repayment..still can i eligible for sbi application or not?i have already applied for exam 2016…..please clear my doubt

    • AMIT CHAUDHARY

      Rajesh
      As of now it is still irregular or now you are paying it regularly?

      • rajesh

        no sir except for 2012…

        • AMIT CHAUDHARY

          Rajesh
          If it is regular now, then you can apply

  • arpit mathur

    I was in a HDFC bank last year as an onroll employ ,but because of such circumstances ,i resigned from there without any prior notice ,than they put a Due on me as per the contract ,which also called PL for me and they send notice to me for repayment ,i paid half of the money .Yet I am eligible or not ?

    • AMIT CHAUDHARY

      Arpit Mathur
      That is a bit different case.
      Better you contact SBI. They can guide you better

      • arpit mathur

        Ok thanks sir

        • AMIT CHAUDHARY

          You are welcome arpit

  • Siva Koti

    Sir,recently my friend involved in a case,right now it’s in trail.can he aplly to sbi clerk?

    • AMIT CHAUDHARY

      Siva
      It’s better you take a legal opinion as it may create any problem afterwards

  • Siva Koti

    sir recently he got job in canara bank as a clerk,mostly in one month he proves as acquital,is there any trouble for him to join in bank?please explain the scenario what will happens to his career?

    • AMIT CHAUDHARY

      Siva already replied
      Check comment on your previous post

  • Mansi

    Sir just now I got a mail from state bank of Hyd stating that I have been appointed as clerk. How to check the authenticity sir ?is it a second list

    • AMIT CHAUDHARY

      Mansi
      First check If that mail is from the genuine email id of State bank of hyderabad.
      You can also confirm it by contacting the HR Department of State bank of hyderabad.

  • Mansi

    Sir pls guide me

    • AMIT CHAUDHARY

      Mansi
      Already replied

  • Siva Koti

    SIR some websites are said that if case is pending he wont apply to present sbi clerk notification,is it true?

    • AMIT CHAUDHARY

      Siva
      It is better you take some legal opinion or contact SBI HR Department

  • elango

    I got education loan from indian bank..2014 passed out..i paid my min due in jan feb 2015 only..thereafter i cant pay…also not received any post from bank.Am i eligible to apply sbi clerk or not?

    • AMIT CHAUDHARY

      elango
      if you have not received any letter from the bank do contact them and ask the status.
      If everything is okay, apply for the post

  • DHARANI V

    i got my educational loan.i am defaulter.but i can able to repay it within 4months and i wish to apply for sbi clerk but before the selection process i can repauy it.whether i am eligible to apply

    • MS DHONI

      same doubt

      • AMIT CHAUDHARY

        Dharani V and MS Dhoni
        Apply for it then, and at the time of document verification, give them the proof that you have paid the loan and are not a defaulter at the moment.

        • Recycle Bin

          thank you sir..god advice hope we get till document verification sure

          • AMIT CHAUDHARY

            MS Dhoni -> Recycle bin
            You are welcome

  • shivangi raut

    Sir, i had taken loan in 2012 but i am not able to repaid it now am i eligible for this post.however i can paid it as soon as possible.

    • AMIT CHAUDHARY

      Repay it shivani
      It might create problems afterwards

  • vijay

    sir i have taken personal loan from AXIS BANK and paying monthly EMI from 2014. but that loan period is ended on 2018. iam regularly paying monthly EMI. am i eligible to apply? please clarify my doubt?

    • AMIT CHAUDHARY

      Vijay
      Yes you are

  • rajiv

    sir i took loan from sbi for education but i didnt repayment if i give no in application form , when they will check , but if i repaid before interview will they accept ? please reply as soon as possible

    • AMIT CHAUDHARY

      Rajiv
      Contact sbi.
      They can guide you better

  • achiever…a girl..

    sir ..i am 2014..pass out..took..loan from ..approx 2 lakh..but i didn’t receive any notice from bank..can i eligible…??

    • AMIT CHAUDHARY

      achiever…a girl.. •
      Are you repaying it properly.
      If yes, then no worries

      • achiever…a girl..

        no..sir..i didn’t pay..single rupees..total amnt of loan is 2 lakh..wht should i do now..plz help sir…

        • AMIT CHAUDHARY

          Have you received any notice from the bank?

          • achiever…a girl..

            no..sir…i didn;t receive any notice from bank…

          • AMIT CHAUDHARY

            Ask the bank about the status.
            If it is OK, you are eligible

      • achiever…a girl..

        sir..plz reply

  • BALAJI V

    sir,I have completed BE in 2012..I am a defaulter in SBI for education loan.I got a notice from the bank.They said loan has been transfered to some private agency.I started my repayment from DEC 2015 and now i am paying my dues on every month..whether i am eligible to apply for SBI CLERK 2016 EXAM.?Kindly reply me sir..

    • AMIT CHAUDHARY

      Balaji
      If you are paying it regularly and your credit history is good, then there will be no issue

      • BALAJI V

        thanks sir..

        • AMIT CHAUDHARY

          You are welcome Balaji

          • BALAJI V

            Sir,I am paying the amount which is less than that they instructed me to pay..Due to low salary. i cant able to pay huge amount ..Whether my credit history is good or not? ..Kindly reply me sir..

          • AMIT CHAUDHARY

            Balaji
            Better contact your bank then

          • BALAJI V

            K sir..Thank u very much..

          • AMIT CHAUDHARY

            welcome

  • manoj kumar

    sir my mother had chit of 400000 rupees in sri ram chits which chit was in my name, for last five months we are not paying instalments so they send legal notice to us in my name(manoj kumar applied for sbi clerk 2016) so is there any problem for the bank job

    • AMIT CHAUDHARY

      Manoj
      Does it show in your credit history/ cibil report.
      If not then it is okay and you are elligible
      Otherwise there may be an issue

      • manoj kumar

        sir they asked pan card as a proof for transactions

        • AMIT CHAUDHARY

          Manoj
          It is better you contact SBI HR Department then

          • manoj kumar

            thank you very much

          • AMIT CHAUDHARY

            You are welcome Manoj

  • Ponmalar A

    sir i took loan from hdfc bank for education but i didnt repayment if i
    give no in application form , when they will check , but if i repaid
    before interview will they accept ? please reply as soon as possible

    • AMIT CHAUDHARY

      Ponmalar
      It’s better you contact SBI because it is in their control whenever they will check.

  • Saranya V.

    Sir!!! If we are repaying the education loan means what option we have to select against defaulter of repayment of loan option in applying for sbi clerical cadre (Junior Associate)

    • AMIT CHAUDHARY

      SARANYA
      You have to select NO

  • mamatha

    Sir i have taken the education loan from SBH. I have taken it for my 6y integrated course. As i got scholar for 3y i have taken remaining 3y loan. And my education completed in 2015. The bank during the time of giving loan announced us that it will cut the amount after the completion of cousrse after one year.. I havent paid anything till now.. Am i eligible for sbi clerk or not?? I didn’t get any notice i have given my dad income certificate for loan.

    • AMIT CHAUDHARY

      Mamatha
      That means your EMI has not yet started??

  • UDAY KUMAR SINGH

    sir i have a credit card dues of 48000 from hdfc bank for six months,now i have paid all my dues,wheather i am eligibile for sbi clerk or not

    • AMIT CHAUDHARY

      If everything is cleared, then it will not create any issue

  • Rohan Singh

    I AM FINAL YEAR STUDENT
    SO IN OPTION Date of Passing
    (Date
    mentioned in
    marksheet or
    certificate
    whichever is
    earlier)
    SO WHICH DATE I HAVE TO WRITE BECAUSE I DID NOT GET FINAL YEAR MARKSHEET

    • AMIT CHAUDHARY

      Your result is declared or not??

  • dev

    sir, i have been availed a gold loan and a loan against fixed deposit .

    the interest on gold loan is paid always after 3 months due to carelessness. but i have no interest dues rightnow . so will it affect my cibil score . or should i check cibil score .

    • AMIT CHAUDHARY

      Check your CIBIL score once

  • Arun Nath

    Hello Sir, I took an educational loan from syndicate bank when I joined for my eng.course in 2010 and i finished my graduation in 2014.But due to financial crisis i didnt start repay the loan yet. Am I eligible? Whilr applying i didnt noticed this criteria.please do reply Sir.
    .

    • AMIT CHAUDHARY

      Have you received any notice from Syndicate Bank regarding repayment??

  • Jeen Sukumar

    sir i got educational loan from Bank Of India. i got graduation in 2014. due to financial crisis we wer unable to pay the due.v got call from the bank two times. im i eligible to appear for clerk or PO exam ?? please let me know..

  • Jeen Sukumar

    sir i got educational loan from Bank Of India for ME course. i completed my course in 2014. Due to financial crisis we wer unable to pay the amount (nearly 2 lacs).v got call from the bank two times. im i eligible to appear for SBI clerk or PO exam ?? please let me know..

    • AMIT CHAUDHARY

      Check your CIBIL score

  • pavan

    SIR i had axis bank credit card the bill is 40000 bank asked me to pay 25000 to settle this issue ,i paid that amount will it be a problem ,i need to pay the remaining amount also

    • AMIT CHAUDHARY

      Did you receive any notice from bank after settlement?

      • Amaravati(people’s capital)

        No

        • AMIT CHAUDHARY

          its ok then

  • Rijo

    What is the minimum cibil score required for writing exam

    • AMIT CHAUDHARY

      Rijo
      SBI does not clarify it upto this extent.
      They do it on a basis of thumb rule

  • Supratim Roy

    Sir I have taken education loan on 2011 from SBI n i am regularly paying the interest. Still i haven’t got any notice/letter from sbi. I have already applied for sbi clerk n po. Is there any problem?

    • AMIT CHAUDHARY

      noproblem

  • Nandita

    Sir, My father took gold loan in sbi in 2014 we payed interests regularly upto 2015. From last 6 months we are not paying. I applied for po and clerk and I haven’t received any notice is there any problem ?

    • AMIT CHAUDHARY

      if you have not received any notice, then no problem

  • prakash tinku

    if any body having personal loan, if they clear now it is ok before interview sir

    • AMIT CHAUDHARY

      yes

  • vasu

    sir, I got educational loan in 2010. I dint repay it yet. but in future I will pay it for sure. I didn’t get any notice from sbi till now. but I appeared for sbi clerck exam 2016. wil it affect my selection process. if it is so, if I repay my loan before selection process It will be fine na?? please reply me. thanks in advance.

    • AMIT CHAUDHARY

      have you received any notice from the bank from where you took the loan

      • vasu

        no I dint get any notice. I got loan in 2010 and finished my degree in 2014. til now I didn’t get any notice

        • AMIT CHAUDHARY

          you will be eligible then

          • vasu

            thank you amit

      • vasu

        if I get notice from bank ,then only they wil consider me as a defaulter right??

  • Rani

    Sir, I completed my graduation this year(2016). I had taken education loan in Indian Overseas Bank and after 11months only my dues are going to start(as I completed this year). Still now I have not paid any repayment. I applied for clerk in sbi. If there any problem ?? Am I eligible??
    Pls clarify sir please

    • AMIT CHAUDHARY

      Have you received any notice from the bank?

      • Rani

        No sir I have not received any notice. I asked in the bank about my dues. They said that my due will start on 01/07/2017 and ends in 01/07/2024.

        • Rani

          Please tell me sir. Is there any problem for me ?? Am I safe ??

          • AMIT CHAUDHARY

            then there is no problem. You are safe

          • Rani

            Thank you so much sir

  • Vivek

    Sir, I have completed my B.E in 2015.. I havnt got any notice from the bank yet.. I’m very tensed.. I have cleared prelims with 66 marks.. What should I do now?? Wil I face any problem or am I in the safer zone??
    Regards in advance

    • AMIT CHAUDHARY

      it is ok then

  • prashanth

    Hi…I have sbi credit card…every month I pay minimum amout…but now I lost my job…so I’m not able to make payment…but I’m preparing for bank exams..I’m I eligible for ibps….I will clear my bill after getting job….please help me with this doubt

    • AMIT CHAUDHARY

      If the pending amount is not very large, it will not matter

      • prashanth

        Sir , the pending amount is 63000

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  • Bank jobs

    Dear sir i bought my cibil report the score is NH..i cannot understand what is this if i am defaulter as generally a numeric num is attached with credit score but i have NH ..so if my candidature will be cancelled for sbi po