Introduction
The SBI CBO 2025 Descriptive Section is often the most underestimated part of the selection process. With only 30 minutes to write both an essay and a formal letter, candidates must demonstrate clear thinking, excellent writing skills, and domain knowledge under pressure.
At Bank Whizz, we’ve helped thousands of aspirants crack this section with precision. This post will serve as your comprehensive guide—from understanding the pattern to planning your practice.
SBI CBO 2025 Descriptive Exam Pattern at a Glance
| Topics | No. of Questions | Marks | Duration |
|---|---|---|---|
| Letter Writing | 01 | 25 | |
| Essay Writing (250 words) | 01 | 25 | |
| Total | 02 | 50 | 30 mins |
✅ Both questions are compulsory
✅ Topics are banking and customer service oriented
What the Descriptive Section Actually Tests
- Your ability to communicate clearly and formally
- Knowledge of banking-related topics
- Skill in structuring content and maintaining flow
- Ability to think logically under time pressure
Let’s now break down your preparation path.
Step 1: Master the Format
📝 Essay Writing Format (250 words)
| Structure | What to Include |
|---|---|
| Introduction | Define the topic, provide context |
| Body (2–3 paragraphs) | Support with arguments, examples |
| Conclusion | Summarize and suggest a solution or opinion |
📩 Letter Writing Format
| Part | Details |
|---|---|
| Sender’s Address | Top-left |
| Date | Below address |
| Receiver’s Address | Below date |
| Subject | Clear, one-line subject |
| Salutation | “Sir/Madam” |
| Body | Intro, purpose, details, conclusion |
| Closing | “Yours faithfully/sincerely” |
| Signature | Name and designation (if required) |
Step 2: Understand the Evaluation Criteria
| Criteria | Marks Affected |
|---|---|
| Content Relevance | High |
| Clarity and Coherence | High |
| Grammar and Vocabulary | Medium |
| Format Adherence | Medium |
| Word Limit & Presentation | Medium |
💡 At Bank Whizz, our expert evaluators use the same framework to score your mock answers—giving you real insight into what the examiner sees.
Step 3: Build Writing Skills with Focus
For Essays:
- Read daily editorials and RBI publications.
- Practice banking-related essay topics like:
- Role of AI in customer service
- Financial literacy in India
- Cybersecurity challenges in banking
- Use PEEL structure: Point, Example, Explanation, Link.
For Letters:
- Practice both internal (to Circle Office, Branch Manager) and external (to customers, vendors) letters.
- Focus on tone and clarity.
- Common themes include:
- ATM-related requests
- Fraud reporting
- Account upgrade/intimation
- Customer complaints
Step 4: Follow a Time Management Blueprint
You have only 30 minutes for 2 questions. Here’s a smart allocation:
| Task | Suggested Time |
|---|---|
| Planning Letter | 1 min |
| Writing Letter | 12–13 mins |
| Planning Essay | 1 min |
| Writing Essay | 13–14 mins |
| Revision | 1–2 mins |
⏳ Train your mind to write fast but structured. Bank Whizz mocks help simulate this pressure.
Step 5: Practice with Evaluation and Feedback
What you need:
- Realistic mock tests
- Expert evaluation
- Score breakup and suggestions
Bank Whizz offers all three through our 360° Descriptive English Program for SBI CBO.
You get:
- Model Essays & Letters
- Mock Tests with Evaluation
- Personalized Feedback
- Grammar & Structure Fixes
- WhatsApp Doubt Clearance Support
Step 6: Learn from Model Answers
Here’s a sample letter introduction:
Subject: Request for ATM Installation in XYZ Area
Respected Sir,
I am writing to bring to your attention the lack of ATM facilities in XYZ locality, which has been causing inconvenience to local residents and bank customers. I humbly request you to consider the installation of an ATM in this area to improve service delivery.
Notice how it is:
- Formal
- Straight to the point
- Structured
Step 7: Avoid Common Mistakes
| ❌ Mistake | ✅ Correction |
|---|---|
| Using informal words like “gonna”, “wanna” | Use formal language |
| Exceeding word limit | Stick to 250 words for essays |
| Skipping revision | Always check grammar and punctuation |
| Writing without planning | Take 1 minute to outline ideas |
Step 8: Stay Updated on Banking Issues
Essay topics are often based on:
- Financial inclusion
- Digital transformation
- ESG practices
- Banking reforms and NPA management
📘 Reading RBI Annual Reports, PIB updates, and Bank Whizz’s curated reading list can make your answers current and relevant.
Final Thoughts
The SBI CBO Descriptive Section is not just about writing—it’s about showcasing the professionalism and thinking clarity expected from a Circle Based Officer. A well-planned preparation strategy with daily practice, focused learning, and real-time evaluation can be the key to your success.
Why Bank Whizz?
✔️ Banking-specific content
✔️ Personalized answer evaluation
✔️ Topic-wise breakdowns
✔️ Real SBI CBO topics
✔️ Mentor guidance through WhatsApp
✔️ Trusted by thousands of aspirants
Call to Action:
👉 Ready to crack the SBI CBO 2025 Descriptive Section with confidence?
Enroll in Bank Whizz’s Exclusive SBI CBO Descriptive English Course Now!