Checked 6 October 2026. Union Bank’s circular of 03.02.2026 left the test date "to be intimated in due course" and we found no date, result or later circular. The policy it cites (Staff Circulars of 2009, 2013 and 2021) is not public. The syllabus annexure is visibly old.
Union Bank of India promotes its clerks to officers (JMGS-I) through two channels, and they are two different exams. Staff Circular 101648-2026 of 03.02.2026 started the 2025-26 process for 835 vacancies: 487 in the State Services (Seniority cum Merit) channel and 348 in the All India Services (Merit) channel. The State Services channel asks for 3 years of clerical service, shortlists on seniority and then sets one 100-mark paper. The All India channel asks for 2 years, sets four 100-mark papers and adds an interview. This guide explains both, then gives you the arithmetic for the 25 marks that do not come from the test.
The circular is a Union Bank staff document that is not on the bank’s public pages, so we read it in a copy hosted by BankersAdda and label it reported. It is a scan with an OCR text layer, and we read the marks and syllabus pages from the page images. We found no earlier cycle’s circular for the same promotion, so there is no “what changed” section here.
Staff Circular 101648-2026 of 03.02.2026 (reported copy).
- 15 topic tests for Bank clerk-to-officer promotion, one topic at a time
- Every answer explained in full
- A full report on every attempt — what went wrong and what to revise
- Unlimited retakes — one payment, yours for good
Vacancies by channel and category
| Channel | SC | ST | UR | Total |
|---|---|---|---|---|
| All India Services (Merit) | 52 | 26 | 270 | 348 |
| State Services (Seniority cum Merit), all States | 73 | 36 | 378 | 487 |
| Both channels (our sums) | 125 | 62 | 648 | 835 |
Annexure I of the circular. SC and ST come to 125 and 62 of 835, or 15.0% and 7.4% (our arithmetic). The annexure also lists persons with benchmark disabilities and a State-wise table for the State Services channel; the scan’s columns are not reliable enough for us to reproduce the State-wise figures, so read them in the circular. The States include Mumbai and the rest of Maharashtra separately, and Gujarat includes Daman and Diu and Dadra and Nagar Haveli.
The two channels side by side
| Point | State Services (Seniority cum Merit) | All India Services (Merit) |
|---|---|---|
| Minimum clerical service on 31.01.2026 | 3 years | 2 years |
| Who gets to sit the test | Applicants equal to twice the number of vacancies for each State and category, on seniority-cum-weightage under the policy | Eligible applicants; the circular prints no cap |
| Online test | Objective and bilingual; one paper, "Practical Banking and Computer Application on Core Banking Solution (CBS)", 100 marks | Objective; Banking 100, CBS/IT 100, Commercial Law or Accountancy 100, English 100 |
| Qualifying marks | 35% (30% for SC/ST/PwD) | 35% in each subject (30% for SC/ST/PwD); English is for qualifying only and is not used for ranking |
| Marks outside the test | Not stated in the circular; the weightage in years is in Annexure III | Up to 25 for past service, experience, rural service and qualifications |
| Interview | Not stated in the circular | 20 marks, no minimum qualifying marks |
| Age or qualification condition | None printed | None printed |
| Applying to both | Annexure III refers to "Both Channel" candidates, so applying under both appears to be allowed; the circular does not spell the rule out | As for State Services |
On 31.01.2026 every service, qualification and other condition is counted (“cut-off date for the purpose of eligibility/service/qualifications etc.”). Our arithmetic: that date is 3 days before the circular itself was issued (03.02.2026) and the window opened one day after it, so years that were completed after 31.01.2026 do not count for this process however soon they fall. The application window ran from 04.02.2026 to 11.02.2026 on Union Parivar (8 days, both ends counted), through Employee Self Service, Career Planning, Clerical to Officer Promotion, then “Add a new value”.
Eligible SC, ST and PwD employees get orientation training before the test, and PwD candidates who need a scribe, extra time or a magnified font say so in the application. Ex-servicemen may reckon armed-forces service at present at 1 year for every 5 years, up to 2 years, if the option was not used earlier (paragraph 4.3 of Chapter IV of the policy).
The 25 marks outside the test: how Annexure III counts them
In the All India channel three things earn marks outside the written test, and together they are capped at 25. Service earns nothing for the first 10 completed years and 1 mark for every completed year after that, up to 10. Rural service earns 2 marks for each completed year of clerical service at rural branches, up to 10. Qualifications earn up to 10. Because the three ceilings add to 30, the cap of 25 can bind, which the table below shows.
| Parameter | How it is counted (Annexure III, g) | Maximum |
|---|---|---|
| Service marks | 1 mark per completed year after 10 years of clerical service as on 31.01.2026 (10 years or fewer: 0; 11 years: 1; 12 years: 2) | 10 |
| Rural service marks | 2 marks per completed year of rural service as on 31.01.2026 (1 year: 2; 2 years: 4); branch-wise rural postings are listed in the application | 10 |
| Qualification marks | Postgraduation 2; LLB or any diploma conferred by IIBF 3; CAIIB Part I or JAIIB 4; CAIIB Part II or CAIIB 6 | 10 |
| All three together | "Total marks for parameters 1, 2, 3 above will be maximum 25 as per policy" | 25 |
Our arrangement of the printed maxima. If test marks are added as printed, the ranked total for the All India channel is three 100-mark subjects, up to 25, and 20 for the interview: 345 (our sum; the circular prints no total).
Work out your own marks
| Worked example (our arithmetic) | Service | Rural | Qualification | Sum | Total, cap 25 | Weightage years (State Services) |
|---|---|---|---|---|---|---|
| 8 years of service, no rural service, graduate, no IIBF | 0 | 0 | 0 | 0 | 0 | 1 |
| 11 years, no rural service, first degree, CAIIB | 1 | 0 | 6 | 7 | 7 | 3 |
| 12 years, 2 years rural, first degree and postgraduation, JAIIB | 2 | 4 | 6 | 12 | 12 | 3 |
| 20 years, 6 years rural, first degree and postgraduation, LLB or IIBF diploma, CAIIB | 10 | 10 | 11, capped at 10 | 30 | 25 | 4 |
The syllabus Union Bank printed
Annexure II lists the topics for each test subject. It is visibly old: the IT section names Windows 98, 2000 and XP, and the accountancy section refers to Schedule VI of the Companies Act, 1956. Treat it as a list of areas, not a description of today’s paper. Our reading: the State Services paper draws on the Practical Banking and CBS lists, and the All India papers on all of them.
| Subject | Areas printed |
|---|---|
| Practical Banking | Deposits (savings, current, term and NRI accounts, including minors, illiterate persons and dormant accounts); banking operations, books and registers, inter-branch accounting; the Negotiable Instruments Act; remittances; cash department; customer service (Goiporia Committee, consumer protection, ombudsman); changing trends, income recognition norms and the Narasimham Committee |
| Negotiable Instruments Act sections named | 4, 5, 6, 10, 15, 16, 18, 19, 20, 31, 45, 47, 48, 49, 64, 84, 85, 87, 118, 123 to 131 and 138 to 142 |
| CBS / IT | IT awareness (security, PC configuration, input and output devices, memory, MS Office, the bank’s technology products such as cards, internet, SMS and mobile banking); Core Banking (Finacle): general ledger, customer accounts, payment systems, transaction posting and reports |
| Commercial Law | Contract; indemnity and guarantee; bailment and pledge; agency; negotiable instruments; sale of goods and partnership; bills of lading and letters of credit; insurance; insolvency; company law; transfer of actionable claims, mortgages and charges; the Stamp, Registration and Limitation Acts |
| Accountancy | Journal and cash book rules, bank reconciliation, adjusting and closing entries, trial balance and final accounts, non-trading concerns, bills of exchange, self-balancing ledgers, consignment and joint venture, partnership accounts, company accounts at an elementary level |
| English | Functional grammar (vocabulary, prepositions, pronouns, verbs, articles, direct and indirect speech, no direct reference to rules); comprehension and precis, objective questions only |
The Core Banking annexure points employees to the CBS Instructions Manual and CBS circulars on the bank’s intranet; those are not public.
What we could not find
- The date of the online test: the circular says it will be intimated in due course.
- The policy itself (Staff Circulars 5613 of 09.09.2009, 6024 of 22.10.2013 and 7355 of 03.02.2021), which sets weightage, shortlisting, debar and refusal rules.
- Any result, cut-off or interview schedule, or a circular for an earlier cycle to compare with.
- The State-wise vacancy table in a form we could read reliably.
Union Parivar and your zonal office hold the current position.
Practise it, don't just read it
The State Services channel is one paper of practical banking and CBS, and the All India channel names deposits, the Negotiable Instruments Act and customer service. Our quizzes cover deposits, cheques and KYC with explanations.
Fifteen practice quizzes of ten questions each are live. Five cover banking law and practice: Banker-Customer Relationship and Deposits, Negotiable Instruments Act, KYC and Anti-Money Laundering, Priority Sector Lending, and Loans, Securities and NPAs. Ten cover bank accounting and branch work: reconciliation, final accounts, bills of exchange, deposit interest, journal entries and ledgers, trial balance, CBS posting, NEFT and RTGS, IT security, and business English. Every answer carries an explanation.
Other banks in this series: Punjab National Bank, Bank of Baroda, Bank of India, Union Bank of India and Central Bank of India. Rules that run across banks are in the eligibility guide, the pattern and syllabus guide, the selection guide and the officer pay guide.
More in this series
- Eligibility by bank: years, JAIIB/CAIIB, age
- Exam pattern and syllabus by bank
- Selection: merit, seniority, vacancies and posting
- Officer pay after promotion: Scale I, DA and allowances
- Preparation: banking law, KYC, PSL and NPAs
- PNB: Selectivity channel, marks and test
- Bank of Baroda: All India and Seniority channels
- Bank of India: three notices compared
- Central Bank of India: pattern and eligibility
- SBI clerk to officer promotion (Trainee Officer / JMGS-I): what is public
- Bank promotion Scale I to Scale II: cycles we could source
- Bank promotion Scale II to Scale III: cycles we could source
- JAIIB and CAIIB increments and PQP: pay calculator
- JAIIB and CAIIB syllabus: every paper and module on one map
- Alerts and updates for JAIIB / CAIIB (IIBF)
Frequently asked questions
How many vacancies did Union Bank announce for clerk to officer promotion?
835 in Staff Circular 101648-2026 of 03.02.2026 for the 2025-26 process: 487 in the State Services (Seniority cum Merit) channel and 348 in the All India Services (Merit) channel.
How many years of service does Union Bank ask for?
Three years in the clerical cadre for the State Services channel and two years for the All India Services channel, both on 31.01.2026. The circular prints no age or qualification condition.
What is the Union Bank promotion exam pattern?
State Services: one bilingual objective paper of 100 marks on Practical Banking and Computer Application on CBS, with 35% needed (30% for SC/ST/PwD). All India Services: four objective papers of 100 marks each (Banking, CBS/IT, Commercial Law or Accountancy, English), 35% needed in each (30% for SC/ST/PwD), English qualifying only, then 20 interview marks with no minimum.
How are the 25 marks outside the test worked out at Union Bank?
Service gives 1 mark per completed year after 10 (maximum 10), rural service 2 marks per year (maximum 10) and qualifications up to 10 (postgraduation 2, LLB or an IIBF diploma 3, JAIIB 4, CAIIB 6). The three together are capped at 25.
When is the Union Bank promotion exam?
The circular of 03.02.2026 says the date for both channels will be intimated in due course. We found no date. Applications ran from 04.02.2026 to 11.02.2026.
Is English counted in the Union Bank All India channel merit?
No. English must be passed at the qualifying percentage but its marks are not reckoned for ranking.
What is the weightage Union Bank gives for JAIIB and CAIIB?
In the State Services channel, JAIIB or CAIIB Part I carries 1 year of weightage and CAIIB 2 years; a commerce diploma or first degree and a double degree or postgraduation carry 1 year each, at most 2 for the pair. In the All India channel the same qualifications earn 4 and 6 marks.
Sources
- reported — Union Bank of India Staff Circular 101648-2026 of 03.02.2026: Promotion Process from Clerical to Officer Cadre (JMGS-I) 2025-26, with Annexures I-III (full text of the bank’s own circular; copy hosted by BankersAdda)
- reported — Bankopedia, "Bank promotion" index page (one-line summaries per bank; shown only where we contradict it)
official = a document published by the conducting body. reported = a news or coaching site we could not check against an original. Where sources disagree this page says so rather than picking one.
