Introduction
The IBPS PO 2025 Descriptive English Paper is a crucial part of the mains exam, carrying 25 marks—15 for an essay and 10 for a letter. In a competitive environment where every mark counts, quality content and structured presentation can set you apart.
To help you write like a topper, we’ve created 2 model essays and 2 sample letters—each with a clear format and evaluation guide. These samples reflect the standards expected by examiners and demonstrate how to craft concise, relevant, and impactful responses.
📝 Essay Writing Format Recap (15 Marks | 250 Words)
✅ Ideal Structure:
- Introduction – Define the topic and explain its relevance (40–50 words)
- Body Paragraphs – 2–3 logical arguments with examples (150–160 words)
- Conclusion – Summary and forward-looking opinion (30–40 words)
✒️ Sample Essay 1: Financial Inclusion in India
Introduction:
Financial inclusion refers to the process of ensuring access to financial services at affordable costs for all, especially the underprivileged. In a country like India, where large segments live in rural or low-income communities, financial inclusion is critical for equitable growth.
Body:
The Government of India launched schemes such as the Pradhan Mantri Jan Dhan Yojana, Direct Benefit Transfers (DBT), and Aadhaar-enabled payment systems to bring the unbanked into the financial system. These initiatives have increased bank account penetration and digitized welfare delivery. However, challenges remain in the form of financial illiteracy, digital divide, and lack of trust in formal systems.
For true inclusion, digital and financial literacy must be improved, especially in rural areas. Banks and fintech firms should design simplified financial products and promote awareness through outreach programs.
Conclusion:
Financial inclusion is not just about access, but about meaningful usage. Strengthening this pillar will lead to inclusive development and a robust economy.
🧾 Evaluation Guide (Essay 1)
| Criteria | Score (out of 15) | Remarks |
|---|---|---|
| Content Relevance | 4.5 | Strong topic coverage |
| Structure & Coherence | 3.5 | Well-organized with logical progression |
| Grammar & Vocabulary | 3.5 | Formal and error-free |
| Examples & Data | 2.5 | Government schemes well used |
| Total | 14/15 | Excellent attempt with good structure |
✒️ Sample Essay 2: Role of Artificial Intelligence in Banking
Introduction:
Artificial Intelligence (AI) is transforming banking operations globally. From fraud detection to customer service, AI has enhanced both efficiency and accuracy, making it a game-changer in financial services.
Body:
Banks in India are deploying AI-powered chatbots, such as HDFC’s Eva and SBI’s SIA, for 24/7 customer service. AI also helps detect fraudulent transactions by analyzing patterns in real time. Additionally, loan processing has become faster with AI-driven credit scoring systems.
However, AI adoption also raises concerns like data privacy, algorithmic bias, and job displacement. Regulatory oversight is essential to ensure that AI is used ethically and inclusively.
Conclusion:
AI holds immense potential in modernizing banking, but must be implemented with caution and accountability. A blend of human intelligence and AI can create a more efficient and customer-centric banking ecosystem.
🧾 Evaluation Guide (Essay 2)
| Criteria | Score (out of 15) | Remarks |
|---|---|---|
| Content Relevance | 4 | Current and important topic |
| Structure & Coherence | 3.5 | Clear progression from intro to conclusion |
| Grammar & Vocabulary | 3.5 | Polished and appropriate |
| Examples & Data | 2.5 | Relevant industry references |
| Total | 13.5/15 | Well-rounded, with good insights |
💌 Letter Writing Format Recap (10 Marks | 150 Words)
✅ Ideal Structure for Formal Letter:
Your Address
Date
To,
The [Designation],
[Organization Name],
[City]
Subject: [One-line summary]
Salutation (Respected Sir/Madam),
Body:
Para 1 – Purpose of writing
Para 2 – Details
Para 3 – Polite closing/request for action
Yours faithfully,
[Your Name]
✉️ Sample Letter 1: Request to Issue Duplicate ATM Card
Your Address
Dhanbad – 826001
5 September 2025
To,
The Branch Manager,
Bank of India,
Dhanbad Main Branch.
Subject: Request for Issuance of Duplicate ATM Card
Respected Sir/Madam,
I am an account holder at your branch (Account No. XXXXXXXX). I lost my ATM card while traveling and would like to request the issuance of a duplicate card.
Kindly block the lost card to prevent any misuse. I am enclosing a copy of my Aadhaar card and the FIR as required. Please process the new card at the earliest.
Thank you for your assistance.
Yours faithfully,
Amit Kumar
🧾 Evaluation Guide (Letter 1)
| Criteria | Score (out of 10) | Remarks |
|---|---|---|
| Format & Structure | 2 | Fully correct formal layout |
| Clarity & Purpose | 3 | Clearly states request and supporting info |
| Grammar & Vocabulary | 2 | Formal and error-free |
| Tone & Closing | 2.5 | Polite and professional |
| Total | 9.5/10 | Excellent format and tone |
✉️ Sample Letter 2: Complaint to Municipal Officer About Garbage Problem
Your Address
Patna – 800001
12 September 2025
To,
The Municipal Commissioner,
Patna Municipal Corporation,
Patna.
Subject: Poor Garbage Disposal in Our Locality
Respected Sir/Madam,
I am a resident of Rajendra Nagar and wish to highlight the poor garbage disposal in our area. Heaps of waste are left unattended for days, creating health hazards and attracting stray animals.
Despite repeated complaints, the issue remains unresolved. I kindly request you to deploy cleaning staff regularly and install waste bins at proper locations.
Looking forward to your swift action on this civic matter.
Yours faithfully,
Renu Sharma
🧾 Evaluation Guide (Letter 2)
| Criteria | Score (out of 10) | Remarks |
|---|---|---|
| Format & Structure | 2 | Follows standard layout |
| Clarity & Purpose | 3 | Clearly describes issue and request |
| Grammar & Vocabulary | 2 | Formal and correct |
| Tone & Closing | 2 | Respectful and effective |
| Total | 9/10 | Very good representation of civic concern |
🧠 How to Use These Samples
- Analyze sentence structure and vocabulary
- Practice typing similar responses under 30 minutes
- Use the rubrics to self-evaluate your own essays and letters
- Maintain a personal repository of 10 model essays and letters
- Take help from Bank Whizz mock evaluation for expert feedback
🔄 Tips to Replicate High Scores
- Always follow correct format
- Don’t overuse complex words—simplicity is power
- Stay formal and respectful in tone
- Proofread your final draft
- Maintain word count limits: 240–260 words for essay, 140–160 words for letter
📚 Resources to Practice and Improve
- Bank Whizz Descriptive Course
- Essay and Letter Booklets (PDF)
- Mock Tests with Evaluation
- Typing Practice Tools (TypingClub, Keybr, Google Docs)
🔚 Conclusion
High scores in the IBPS PO 2025 Descriptive English Paper are well within your reach—if you write with structure, clarity, and purpose. Use these samples and evaluation guides as blueprints to craft your own high-scoring responses.
Practice with time-bound mocks, revise consistently, and remember—the examiner doesn’t expect perfection, but professionalism and precision.