How to Become Cashier in Bank in India

How to Become Cashier in Bank in India

To become a cashier in a bank in India, start by ensuring you meet the basic educational qualifications, typically a bachelor’s degree.

Next, familiarize yourself with the eligibility criteria for bank exams, as banks like the Institute of Banking Personnel Selection (IBPS) and the State Bank of India (SBI) conduct entrance tests for hiring.

Preparing for these exams is crucial; focus on quantitative aptitude, reasoning, English, and banking awareness.

For public sector banks, passing these exams is mandatory, while private banks might have their selection process, including direct applications and interviews.

Enhancing your skills, such as customer service and numerical ability, can improve your chances.

After getting selected, you’ll undergo training before starting your role.

The job of a bank cashier involves handling transactions, assisting customers, and ensuring accurate account management.

With dedication and the right preparation, you can successfully embark on a career as a bank cashier in India.

Eligibility Criteria for Bank Cashiers

The eligibility criteria for bank cashiers in India are quite specific, focusing mainly on educational qualifications, age limits, and sometimes, additional requirements depending on the bank. Here’s a detailed look at each aspect:

1. Educational Qualifications:

  • Basic Requirement: The fundamental requirement for aspiring bank cashiers is a bachelor’s degree from a recognized university or college. While the field of study is not strictly specified, degrees in commerce, finance, banking, economics, or business administration are considered advantageous.
  • Computer Literacy: Given the digital transformation in banking, proficiency in computer operations and knowledge of relevant software can be beneficial and is sometimes required.
  • Language Proficiency: Candidates may need to demonstrate proficiency in the official language of the state or region where the bank operates, in addition to English.

2. Age Limit:

  • The typical age range for bank cashier positions is from 20 to 28 years at the time of application. However, this can vary based on the bank and the specific job notification.
  • Age Relaxations: There are provisions for age relaxation for certain categories:
  • SC/ST candidates: Usually 5 years.
  • OBC (Non-Creamy Layer) candidates: 3 years.
  • Persons with Disabilities (PwD): 10 years for general, 13 years for OBC, and 15 years for SC/ST candidates.
  • Ex-Servicemen, Commissioned Officers: As per government guidelines, which typically include a relaxation of up to 5 years.

3. Nationality:

  • Candidates must be citizens of India. Sometimes, subjects of Nepal, Bhutan, or Tibetan refugees who came over to India before 1st January 1962 with the intention of permanently settling in India, or persons of Indian origin who have migrated from certain countries with the intention of permanently settling in India, are also eligible.

4. Other Criteria:

  • Criminal Record: Candidates should have a clean criminal record, with no history of defaulting on loans or facing fraud charges.
  • Credit Score: A good credit score may be implicitly required, as it reflects financial responsibility.
  • Physical Fitness: Some banks may require a medical examination to ensure the candidate is physically fit for the job.

5. Certifications and Training:

  • While not always mandatory, certifications related to banking, finance, customer service, or computer applications can enhance a candidate’s profile.

6. Selection Process:

  • For public sector banks, the selection process typically involves clearing competitive exams such as the IBPS PO/ Clerk exams or the SBI PO/ Clerk exams, followed by a personal interview and sometimes a group discussion.
  • Private sector banks might have their own selection criteria, which could include a combination of aptitude tests, interviews, and assessment of educational and professional background.

Understanding these eligibility criteria is crucial for anyone aspiring to become a bank cashier in India. It’s advisable to regularly check official bank notifications and career websites for the most current information and specific requirements for each bank.

Examinations for Becoming a Bank Cashier

To become a bank cashier in India, particularly in public sector banks, candidates must clear specific examinations. These exams are highly competitive and are designed to assess a range of abilities including quantitative aptitude, reasoning, general awareness, and English language proficiency. Here’s a detailed look at the primary examinations:

1. Institute of Banking Personnel Selection (IBPS) Exam:

  • IBPS Clerk Exam: This exam is conducted for clerical cadre positions, which include cashier roles in various public sector banks (except the State Bank of India). It consists of two stages: Preliminary and Main examinations.
  • Preliminary Exam: Tests English language, numerical ability, and reasoning ability.
  • Main Exam: Covers quantitative aptitude, general awareness (with a focus on banking and financial awareness), reasoning ability & computer aptitude, and English language.

2. State Bank of India (SBI) Exam:

  • SBI Clerk Exam: Specifically for clerical cadre recruitment in the State Bank of India, this exam also follows the Preliminary and Main examination format.
  • Preliminary Exam: Similar to the IBPS Clerk Preliminary exam, testing English language, numerical ability, and reasoning ability.
  • Main Exam: In addition to the areas tested in the Preliminary exam, the Main exam includes general/financial awareness.

Exam Preparation Tips:

  • Understand the Exam Pattern and Syllabus: Familiarize yourself with the exam format, the type of questions asked, and the syllabus for each section.
  • Practice Regularly: Solve previous years’ question papers and take mock tests to improve speed and accuracy.
  • Time Management: Learn to manage your time efficiently during the exam to ensure you can attempt a maximum number of questions.
  • Focus on Weak Areas: Identify your weak areas and devote extra time to improving them.
  • Stay Updated: For sections like general awareness, stay updated with the latest news, especially related to the banking and financial sector.

Steps to Become a Bank Cashier in Public Sector Banks

Becoming a bank cashier in public sector banks in India involves a series of steps, designed to assess and prepare candidates for the responsibilities of the role. Here’s a step-by-step guide:

1. Complete Your Education

  • Obtain a bachelor’s degree from a recognized university in any discipline. While specific fields are not mandated, degrees in commerce, finance, or economics may provide a foundational advantage.

2. Understand the Eligibility Criteria

  • Ensure you meet the age, educational, and nationality criteria as specified by the bank’s recruitment notification. Age relaxations and specific qualifications may apply to certain categories.

3. Register for the Entrance Exam

  • For public sector banks, registration for exams like the IBPS Clerk or SBI Clerk is the initial step. These exams are advertised through official websites and employment news. Keep an eye out for these notifications and register before the deadline.

4. Prepare for the Examination

  • Dedicate time to study for the examination, focusing on areas such as quantitative aptitude, reasoning ability, English language, and general awareness with a special emphasis on banking and financial matters. Utilize books, online resources, and coaching if necessary.

5. Clear the Preliminary Examination

  • The first stage is the preliminary exam, which typically tests English language, numerical ability, and reasoning ability. Scoring above the cut-off in this exam is necessary to move to the next stage.

6. Clear the Main Examination

  • The main exam is more comprehensive, covering topics like quantitative aptitude, general/financial awareness, reasoning ability and computer aptitude, and English language. The difficulty level is higher than the preliminary exam, and success here is crucial for moving forward in the selection process.

7. Language Proficiency Test (if applicable)

  • Depending on the bank and the region it serves, you might need to prove proficiency in the local language. This could be a part of the selection process for candidates who do not have the local language as a part of their high school curriculum.

8. Interview

  • Some banks conduct personal interviews to assess candidates’ suitability for the role. This stage evaluates communication skills, personality, and overall fit for the banking environment.

9. Final Selection

  • The final selection is based on the combined scores of the main examination and the interview, adhering to the bank’s policy on weightage for each component.

10. Training

  • Upon selection, candidates may undergo training, which includes both classroom instruction and practical, on-the-job training to familiarize them with the bank’s operations, policies, and customer service standards.

11. Posting

  • After successfully completing the training, candidates are posted as bank cashiers or in similar clerical positions within the bank’s branches.

Steps to Become a Bank Cashier in Private Sector Banks

Becoming a bank cashier in private sector banks in India involves a different process compared to public sector banks. Private banks may have their own criteria and processes for recruitment. Here’s a step-by-step guide to becoming a bank cashier in private sector banks:

1. Complete Your Education

  • Obtain at least a bachelor’s degree from a recognized university. While any degree is acceptable, those in finance, commerce, economics, or business administration might be particularly beneficial. Some private banks may also prefer candidates with specific qualifications related to banking and finance.

2. Research Job Openings

  • Keep an eye on job listings on the official websites of private banks, job portals, and newspapers. Private sector banks may not follow a standardized exam process for recruitment, so it’s important to stay updated on vacancies and recruitment drives.

3. Create Your Resume and Apply for the Job

  • Prepare a professional resume highlighting your education, skills, and any relevant experience. Tailor your resume and cover letter for the banking sector, emphasizing any customer service experience, numerical ability, and computer skills.
  • Submit your application through the bank’s website, job portals, or as per the instructions in the job notification.

4. Attend the Interview

  • If your application is shortlisted, you will be called for an interview. This could be a single interview or multiple rounds, including HR rounds and technical rounds to assess your banking knowledge, customer service skills, and suitability for the role.
  • Prepare for common interview questions related to banking, your educational background, and scenarios that test your problem-solving and customer interaction skills.

5. Complete Your Training

  • Upon successful selection, candidates usually undergo a training period. Training programs in private banks are designed to equip you with the necessary skills and knowledge about the bank’s products, services, and operating procedures.
  • Training might include both classroom instruction and practical, hands-on experience. The duration and structure of the training can vary from one bank to another.

6. On-the-Job Experience

  • After completing the training, you will start working as a bank cashier or in a similar role, handling transactions, assisting customers, and performing other clerical tasks.
  • This period is crucial for gaining practical experience, understanding the day-to-day operations of the bank, and learning how to manage customer relations effectively.

Additional Tips:

  • Networking: Leverage networking opportunities through internships, educational events, and professional social media platforms like LinkedIn to connect with banking professionals and learn about job openings.
  • Skill Development: Continuously improve your skills relevant to banking, such as financial analysis, digital banking technology, and customer service excellence.

Bank Cashier Job Profile

The job profile of a bank cashier, also known as a teller in some regions, is crucial within the banking industry.

Bank cashiers are the frontline staff in banks, interacting directly with customers and handling most of the day-to-day financial transactions.

Here’s a closer look at the responsibilities, skills required, and working conditions of a bank cashier:


  • Handling Transactions: Bank cashiers conduct various financial transactions for customers, including deposits, withdrawals, transfers, and bill payments. They must process these transactions accurately and efficiently.
  • Cash Management: They are responsible for managing the cash drawer and ensuring that transactions are balanced at the end of the business day. This involves counting cash accurately, maintaining records of transactions, and reconciling any discrepancies.
  • Customer Service: Providing high-quality customer service is a key part of a bank cashier’s job. This includes answering customers’ queries, offering information about the bank’s products and services, and resolving any issues or complaints.
  • Cross-Selling: Cashiers may also be required to inform customers about the bank’s financial products and services, such as loans, savings accounts, and credit cards, and refer interested customers to the appropriate department.
  • Compliance and Security: Following the bank’s policies and procedures is critical, especially regarding compliance with financial regulations and maintaining the confidentiality and security of customer information.

Skills Required:

  • Numerical Ability: Strong skills in handling and counting cash accurately.
  • Attention to Detail: Precision is vital to avoid errors in transactions and when balancing cash at the end of the day.
  • Communication Skills: Effective communication is necessary for dealing with customers, explaining bank services, and addressing queries.
  • Customer Service Orientation: A friendly and patient attitude towards customers, with a focus on solving their problems and meeting their needs.
  • Technology Proficiency: Familiarity with banking software, computers, and related technology used for transactions and record-keeping.

Working Conditions:

  • Work Environment: Bank cashiers work in the clean, comfortable surroundings of bank branches. The job involves standing for long periods and regular use of computers and other office equipment.
  • Work Hours: Typically, cashiers work during the bank’s business hours, which can include weekends in some banks. Some may work in shifts, especially in banks that offer extended hours.
  • Stress Factors: The role can be stressful due to the need to handle large sums of money accurately, manage long queues, and deal with difficult customers. However, banks usually have systems in place to support their staff in these situations.

Salary Structure for Bank Cashiers

The salary structure for bank cashiers in India can vary based on several factors including the bank’s sector (public or private), location, experience of the individual, and the specific policies of the bank. Here’s an overview of the salary structure for bank cashiers:

Public Sector Banks:

  • Starting Salary: In public sector banks, the starting salary for a bank cashier (or a clerical position) typically ranges from INR 20,000 to INR 25,000 per month. This includes basic pay along with various allowances such as Dearness Allowance (DA), House Rent Allowance (HRA), and other benefits.
  • Pay Scale: The pay scale for bank cashiers in public sector banks is governed by the Bipartite Settlement between the Indian Banks’ Association (IBA) and the bank employees’ unions. The salary increases with tenure, experience, and promotions.
  • Additional Benefits: Besides the salary, public sector bank cashiers are entitled to benefits like pension schemes, provident fund, medical insurance, and loan facilities at concessional rates.

Private Sector Banks:

  • Starting Salary: The starting salary in private sector banks may vary more widely than in public sector banks, often ranging from INR 15,000 to INR 30,000 per month, depending on the bank’s policies, the location of the branch, and the candidate’s qualifications and skills.
  • Pay Scale and Progression: Salary progression in private banks is typically linked to performance, and there can be significant variations based on the bank’s size, profitability, and internal salary structure. High performers may see faster salary growth and opportunities for bonuses and incentives.
  • Additional Benefits: Private sector bank employees also receive benefits, which can include health insurance, retirement benefits, and performance-linked bonuses, though the specifics can vary significantly from one bank to another.

Factors Influencing Salary:

  • Experience: Experience plays a critical role in salary determination. More experienced cashiers can expect higher salaries and additional benefits.
  • Location: The cost of living and branch location (urban vs. rural) can influence salaries, with urban locations typically offering higher pay.
  • Bank’s Size and Performance: Larger and more profitable banks might offer higher salaries and more substantial benefits packages compared to smaller institutions.

Annual Increments and Promotions:

  • Both public and private sector banks offer annual increments based on performance, and there may be periodic revisions to the salary structure based on negotiations (in public sector banks) or internal policy reviews (in private sector banks).
  • Promotions to higher roles come with increased salary packages and benefits. Bank cashiers can move up to positions like head cashier, branch manager, or higher administrative roles within the banking sector over time.

It’s important for aspiring bank cashiers to consider not just the starting salary but also the potential for growth, the benefits package, and the work-life balance offered by their employer.

Career Growth and Opportunities

Career growth and opportunities for bank cashiers in India are promising, with multiple pathways for advancement within the banking sector.

Starting as a bank cashier provides a solid foundation in banking operations, customer service, and financial transactions, setting the stage for progression into more complex and higher-responsibility roles.

Here’s how career growth can unfold for bank cashiers:

1. Internal Promotions:

  • To Senior Cashier or Head Cashier: With experience, a cashier can be promoted to handle more significant responsibilities, including overseeing other cashiers and managing larger sections of the bank’s operations.
  • To Supervisor or Managerial Positions: Cashiers can advance to branch management roles, such as assistant branch manager or branch manager, where they oversee the entire branch’s operations, develop business for the bank, and manage staff.

2. Specialization:

  • Specialized Roles: Bank cashiers can move into specialized roles within banking, such as loan officer, mortgage advisor, or investment counselor, based on their interests, skills, and additional qualifications.
  • Operations and Back-Office Roles: Opportunities also exist in back-office operations, risk management, compliance, and treasury management, which require an understanding of banking procedures and regulations.

3. Professional Development:

  • Further Education: Pursuing additional certifications or degrees (such as an MBA in Finance or certifications in financial planning, risk management, etc.) can open up new career paths in banking and finance.
  • Skill Enhancement: Acquiring new skills, such as digital banking, financial analysis, and customer relationship management, can lead to opportunities in emerging areas within banking.

4. Sector Mobility:

  • Transition to Other Financial Services: Experience as a bank cashier can be a stepping stone to careers in insurance, mutual funds, and fintech, where knowledge of financial transactions and customer service is valuable.
  • Consultancy and Advisory Roles: With extensive experience and specialized knowledge, moving into consultancy and advisory roles is possible, advising clients on financial strategies and products.

5. Networking and Visibility:

  • Professional Networks: Building a strong professional network and gaining visibility through achievements and contributions can lead to career advancement opportunities.
  • Mentorship and Leadership: Engaging in mentorship, either as a mentor or mentee, and developing leadership skills can prepare cashiers for higher responsibilities.

Challenges and Considerations:

  • Continuous Learning: The banking sector is dynamic, with frequent regulatory changes and technological advancements. Continuous learning and adaptability are crucial for career advancement.
  • Performance and Merit: Progression often depends on performance, contributions to the bank’s growth, and the ability to handle increased responsibilities effectively.


How to Become Cashier in Bank in India Without Experience?

Educational Qualification: Start with obtaining a bachelor’s degree in any field, though commerce or finance might be advantageous.
Prepare for Exams: Study for bank entrance exams like the IBPS Clerk or SBI Clerk exams, which are the gateway to becoming a bank cashier.
Apply for Entry-Level Positions: Look for clerical or entry-level positions in both public and private sector banks. These positions often don’t require prior experience.

Bank Cashier Salary?

Starting Salary: For a bank cashier in India, the starting salary ranges approximately from INR 20,000 to INR 30,000 per month in public sector banks. In private sector banks, the range can vary widely based on the bank’s policies and location.

How to Become Cashier in Bank in India After 12th?

Direct entry into a cashier position right after the 12th is not typically possible since most banks require at least a bachelor’s degree.
Pathway After 12th: Focus on completing your graduation in a relevant field to meet the eligibility criteria for bank exams or direct recruitment processes in private banks.

Bank Cashier Exam?

To become a bank cashier, you generally need to clear banking exams conducted by institutions like the IBPS for various public sector banks or specific exams conducted by banks like the SBI.

Bank Cashier Exam Name?

For Public Sector Banks: IBPS Clerk and SBI Clerk exams are the primary exams for clerical cadre positions, which include cashier roles.
For Regional Rural Banks: IBPS also conducts exams specifically for recruitment in Regional Rural Banks (RRBs).

SBI Bank Cashier Qualifications?

Educational Qualification: A bachelor’s degree in any field from a recognized university.
Age Limit: Generally between 20 to 28 years, with age relaxations applicable for certain categories.
Passing the SBI Clerk Exam: Clearing both the preliminary and main exams of the SBI Clerk examination process.

How to Become a Cashier in Government Bank?

Complete Your Graduation: Obtain a degree in any discipline.
Clear Bank Exams: Prepare and clear exams like IBPS Clerk or SBI Clerk.
Undergo Selection Process: Successfully go through the selection process, which includes the exam, possibly an interview, and language proficiency tests where applicable.


Becoming a cashier in a bank in India is a sought-after career path that offers stability, growth opportunities, and a chance to work in the dynamic banking sector.

The journey begins with obtaining a bachelor’s degree in any field, although degrees in commerce or finance may provide an edge.

Aspiring cashiers must then prepare for and pass bank entrance exams, such as the IBPS Clerk or SBI Clerk exams, which assess numerical ability, reasoning, English language skills, and general awareness.

Both public and private sector banks offer opportunities, but their selection processes differ, with public banks requiring exam clearance and private banks focusing on interviews and skills assessments.

Starting salaries range from INR 20,000 to INR 30,000 per month, with potential for growth through internal promotions and professional development.

With dedication, preparation, and the right qualifications, becoming a bank cashier is an attainable goal for many.

Educational Resources

  1. NCERT Books for Basic Concepts: Especially useful for clearing basics in mathematics, English, and general knowledge.
  2. Bank Exam Preparation Books:
  • Quantitative Aptitude by R.S. Aggarwal for numerical ability.
  • A Modern Approach to Verbal & Non-Verbal Reasoning by R.S. Aggarwal for reasoning skills.
  • Objective General English by S.P. Bakshi for English language proficiency.
  • Lucent’s General Knowledge for static general knowledge and current affairs.

Online Platforms and Websites

  1. Online Learning Platforms: Websites like Coursera, Udemy, and Khan Academy offer courses in basic mathematics, financial literacy, and customer service skills.
  2. Banking Awareness Websites: Banking portals and news websites like Bankers Adda, AffairsCloud, and GK Today provide updates on current banking trends, financial news, and general awareness topics.
  3. YouTube Channels: Many educators and institutions have channels dedicated to bank exam preparation, offering tutorials, strategies, and tips for clearing various sections of the exams.

Mock Tests and Practice Papers

  1. Online Mock Test Series: Platforms such as Oliveboard, PracticeMock, and Testbook offer mock tests that simulate the actual exam environment for IBPS, SBI, and other banking exams.
  2. Previous Year Question Papers: Solving past year papers helps in understanding the exam pattern and identifying important topics.

Government and Bank Official Websites

  1. Institute of Banking Personnel Selection (IBPS): for notifications, syllabus, and application forms for IBPS exams.
  2. State Bank of India (SBI) Careers: for information on SBI clerk and other recruitment exams.
  3. RBI Careers: for opportunities in Reserve Bank of India, which also provides insight into the banking sector’s regulatory framework.

Coaching Institutes

  1. Local Coaching Centers: Joining a coaching institute that specializes in bank exams can provide structured study plans, guidance from experienced instructors, and peer learning opportunities.
  2. Online Coaching: Many coaching institutes offer online classes, providing flexibility and access to top-notch preparation materials and expert guidance.

Meet Ankit Kumar holding a master's degree in Museology, Ankit Kumar brings a profound understanding of the cultural and historical significance of museums. With a passion for research and a keen interest in writing, they have not only excelled in guiding individuals in their career paths but also have a flair for creating insightful and engaging blogs on various aspects of museology as well as different professions.

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