Introduction
The IBPS PO 2024 Descriptive Test is a crucial stage that can make or break your final score. While many candidates focus heavily on objective papers, the descriptive section often becomes the deciding factor. Among essays and letters, the letter writing task is where examiners assess your:
- Clarity of expression.
- Professional communication skills.
- Awareness of social, banking, and economic issues.
- Ability to write concisely under time pressure.
This article will provide a step-by-step guide on how to write winning letters, complete with formats, opening/closing templates, and practical tips tailored for IBPS PO 2024.
Importance of Letter Writing in IBPS PO 2024
- Weightage in Exam – Usually 25 marks are allocated to descriptive paper (essays + letters). A well-written letter can secure you 12–15 marks, which is decisive.
- Reflection of Professionalism – As a future banker, you’ll be expected to communicate clearly with customers, higher authorities, and regulators. Letter writing tests this skill.
- Predictable Nature – Unlike essays where topics can be broad, letter writing topics are fairly predictable (banking issues, customer complaints, social concerns).
Types of Letters Asked in IBPS PO
You will mainly face two types of letters:
- Formal Letters – Professional communication (to editor, bank manager, authority).
- Informal Letters – Personal, yet structured communication (to friend, relative, younger sibling).
Being comfortable with both is essential for success.
General Format of a Letter
1. Formal Letter Format
Sender’s Address
Date
Receiver’s Address
Subject: …………………
Salutation (Respected Sir/Madam)
Body of the Letter:
- Introductory paragraph stating purpose.
- Detailed paragraph with explanation/request/complaint.
- Concluding paragraph with thanks/request for prompt action.
Closing (Yours faithfully/obediently)
Signature (Name)
2. Informal Letter Format
Sender’s Address
Date
Salutation (Dear XYZ, My dear Brother/Sister)
Body of the Letter:
- Opening with greetings.
- Main content (experience, advice, suggestion).
- Conclusion (wishes, care, blessings).
Closing (Yours lovingly/affectionately)
Name
Steps to Write Winning Letters in IBPS PO 2024
Step 1: Read the Question Carefully
Identify whether it’s formal or informal. Many candidates lose marks by writing an informal letter in formal tone or vice versa.
Step 2: Stick to Word Limit (150–200 words)
Examiners reward concise and relevant answers, not long, repetitive ones.
Step 3: Use Professional Yet Simple Language
Avoid slang, overly complex words, or SMS-style shortcuts. Clarity is king.
Step 4: Structure into 3 Paragraphs
- Introduction (reason for writing).
- Details (facts, examples, justification).
- Conclusion (request, thanks, call to action).
Step 5: Maintain Formality
Even in informal letters, avoid unnecessary casualness. Keep it exam-appropriate.
Sample Opening and Closing Lines
Formal Letter Openings
- “This is with reference to…”
- “I am writing to bring to your kind notice…”
Formal Letter Closings
- “I shall be obliged for your quick response.”
- “Kindly take necessary action at the earliest.”
Informal Letter Openings
- “Hope this letter finds you in good health and spirit…”
- “It’s been long since we exchanged letters, so I thought of writing to you…”
Informal Letter Closings
- “Take care and convey my regards to all at home.”
- “Awaiting your reply eagerly.”
Common Mistakes to Avoid
- Ignoring the Format – Wrong placement of address/date/subject leads to instant deduction.
- Exceeding Word Limit – Shows poor time management.
- Spelling & Grammar Errors – These carry heavy penalties.
- Using Flowery Language – IBPS expects practical communication, not literature.
- Unclear Purpose – A letter without clear intent looks weak.
Example 1 – Formal Letter
Prompt: Write a letter to the Editor of a newspaper about increasing cyber fraud cases in banking.
Format Answer (approx. 180 words):
123, Ashok Nagar
Ranchi – 834001
12th September 2024
The Editor
The Times of India
Ranchi
Subject: Rising Cases of Cyber Frauds in Banking
Respected Sir,
Through the columns of your esteemed newspaper, I wish to highlight the growing menace of cyber frauds in the banking sector. In recent years, unsuspecting customers have lost their hard-earned savings to phishing calls, fake SMS alerts, and online scams.
Banks must increase customer awareness through SMS, emails, and workshops. At the same time, authorities should strengthen cyber laws and ensure quick redressal of complaints. Strict action against fraudsters will also act as a deterrent.
It is high time that customers remain vigilant and adopt safe digital practices. A combined effort from banks, regulators, and the public will reduce such crimes.
Yours faithfully,
Rohit Sharma
Example 2 – Informal Letter
Prompt: Write a letter to your younger brother advising him to avoid excessive use of social media.
Format Answer (approx. 170 words):
45, Green Valley Colony
Patna – 800020
10th September 2024
Dear Aman,
I hope this letter finds you well. Today, I am writing to share my concern about your increasing involvement with social media. While these platforms have benefits, their overuse often affects studies and mental health.
Remember, social media can never replace real-life interactions and disciplined study habits. It often causes distraction, anxiety, and addiction. Instead, use this time for reading, sports, or learning new skills that will benefit your future.
I advise you to set a fixed time for online activities and focus more on your studies. Self-control is the key to success in competitive exams.
Take care of your health and keep working hard. I am confident you will achieve great success with proper balance.
Yours lovingly,
Ankit
Tips to Score Maximum in Letter Writing
- Practice 10–15 formal and informal letters before the exam.
- Use short, crisp sentences for clarity.
- Revise quickly to eliminate spelling/grammar errors.
- Memorize 3–4 templates of formal letters for quick adaptation.
- Keep a collection of sample phrases for opening and closing.
Conclusion
Letter writing in IBPS PO 2024 Descriptive Test is less about creativity and more about clarity, format, and relevance. By mastering the formal and informal formats, practicing common topics, and avoiding typical mistakes, you can easily score high.
Remember: a winning letter is one that is structured, clear, polite, and concise. Follow the formats shared above, practice regularly, and you’ll confidently tackle any letter topic in the exam.