In the SBI CBO 2025 Descriptive English Paper, one of the two questions is letter writing, worth 25 marks. This section assesses how well you can communicate in a professional setting — a critical skill for any bank officer.
A well-structured, grammatically correct, and purpose-driven letter can significantly improve your overall score.
This post covers the correct letter writing format, types of letters asked, sample letters, and key tips to score high in the SBI CBO 2025 Descriptive Paper.
📌 SBI CBO 2025 Descriptive Letter Writing – Overview
| Section | No. of Questions | Marks | Time |
|---|---|---|---|
| Letter Writing | 1 | 25 | Combined 30 mins with Essay |
🟢 Type: Formal (Office/Official/Business related)
🟢 Mode: Online (Typing on screen)
🟢 Length: Around 150–200 words
✍️ Importance of Letter Writing in SBI CBO
- Reflects your ability to communicate professionally
- Simulates real-life scenarios you’ll face as a bank officer
- Tests your awareness of banking procedures and customer issues
Letters often relate to:
- Customer communication
- Internal bank communication
- Requests, complaints, or clarifications
📃 Standard Formal Letter Format
A professional bank letter should be properly structured as follows:
[Your Address]
[Date]
The Branch Manager
[Bank Name]
[Branch Address]
Subject: [Clear and concise subject line]
Respected Sir/Madam,
[Paragraph 1] – State the purpose of the letter clearly.
[Paragraph 2] – Provide relevant details, background, or request.
[Paragraph 3] – Request action or give closing remarks.
Thanking you,
Yours faithfully,
[Your Name]
[Your Designation/Account Number, if applicable]
✅ Use professional tone, correct grammar, and avoid abbreviations or slang.
📂 Most Common Letter Types in SBI CBO Descriptive Exams
🔹 Customer-Oriented Letters
- Letter to inform about a scheme or policy
- Letter replying to a customer’s complaint or request
🔹 Managerial/Internal Letters
- Request letter to higher official (RBI, HO)
- Communication to a colleague or junior officer
- Letter addressing operational issues
🔹 Complaint & Request Letters
- Lost ATM card
- Transaction not processed
- Mobile number/email ID update
- Cheque book/statement request
📩 Sample Letters for SBI CBO 2025
📌 1. Letter to Bank Manager Requesting to Block Lost ATM Card
Your Address
May 20, 2025
The Branch Manager
State Bank of India
Ashok Nagar Branch
Ranchi – 834002
Subject: Request for blocking lost ATM card and issuing a new one
Respected Sir/Madam,
I am a savings account holder at your branch bearing account number 123456789012. I regret to inform you that I lost my ATM card while traveling yesterday. I request you to kindly block my card with immediate effect to prevent any misuse.
Please initiate the process to issue a new ATM card at the earliest. I am enclosing a self-attested copy of my ID proof for your reference.
Thanking you,
Yours faithfully,
Rajesh Kumar
Mob: 9876543210
📌 2. Letter to a Customer Explaining the Benefits of Digital Banking
Your Name
State Bank of India
Circle Office, Patna
May 20, 2025
Mr. Ramesh Verma
Patna – 800001
Subject: Introduction to Digital Banking Services
Dear Mr. Verma,
We are pleased to inform you that your account has been enabled for our comprehensive digital banking services. Through our mobile and internet banking platforms, you can now access real-time account information, make transactions, and pay bills securely anytime, anywhere.
Digital banking not only enhances convenience but also ensures faster resolution of your banking needs. For assistance, you may visit your nearest branch or call our helpline.
Thank you for banking with us.
Yours sincerely,
Vikas Mehta
Branch Manager, SBI Patna
📌 3. Letter to RBI Reporting a Cyber Fraud Incident
Your Address
May 20, 2025
To
The General Manager
Reserve Bank of India
Customer Grievance Redressal Cell
Mumbai – 400001
Subject: Report of unauthorized debit due to cyber fraud
Respected Sir/Madam,
I would like to bring to your attention a cyber fraud incident involving my bank account at SBI, in which ₹15,000 was debited on May 15, 2025, without my authorization. Despite lodging a complaint at the branch and customer care, the issue remains unresolved.
I request your kind intervention to investigate the matter and ensure justice. Enclosed are copies of my complaint acknowledgment and transaction details.
Thanking you,
Yours faithfully,
Sunita Sharma
Account No: 9876543210
📌 4. Letter to Regional Office Regarding Shortage of Staff at Branch
Your Address
May 20, 2025
To
The Regional Manager
State Bank of India
Regional Office, Bokaro
Subject: Request for additional staff due to heavy workload
Respected Sir/Madam,
I wish to highlight that our branch at Sector 4, Bokaro, is facing acute staff shortage which is affecting service quality and increasing customer grievances. With increased footfall and peak operational workload, it is becoming difficult to maintain desired service levels.
I request your kind support in deputing at least two additional staff members to ensure smooth functioning of the branch.
Thanking you,
Yours faithfully,
Arun Kumar
Branch Manager, SBI Sector 4, Bokaro
🔍 Key Tips to Score High in Letter Writing
| Do’s | Don’ts |
|---|---|
| Follow standard letter structure | Don’t use informal language |
| Keep tone polite and professional | Don’t miss Subject line or salutation |
| Use clear, concise sentences | Avoid spelling and grammar mistakes |
| Stick to 150–200 words | Don’t over-explain or repeat points |
| Address the correct recipient | Don’t use SMS-style abbreviations |
📘 Time Management for Letter Writing
Since you have 30 minutes for both essay and letter writing, allot about:
- 13–15 minutes for the letter
- 1 minute for proofreading
To save time:
- Practice typing letters in exam format.
- Plan your points before starting.
- Don’t overwrite — be direct.
🧠 Practice Topics for SBI CBO 2025 Letter Writing
- Complaint regarding failed online transaction
- Request for loan moratorium extension
- Informing a customer about EMI default consequences
- Request for mobile number/email update
- Letter to customer introducing a new savings scheme
- Letter to RBI regarding failed NEFT
- Letter to customer about new KYC compliance rules
- Requesting cheque book and bank statement
- Letter to Head Office regarding ATM outage complaints
- Letter to subordinate staff appreciating performance
📚 How to Practice Letter Writing Effectively
- Write one letter every day on a different topic.
- Use correct format and word count.
- Type your answers using a keyboard (like the real exam).
- Practice with a timer (13–15 mins).
- Get your answers reviewed by a mentor (Bank Whizz offers expert evaluation).
🗂️ Sample Weekly Practice Plan
| Day | Letter Topic |
|---|---|
| Monday | Customer complaint response |
| Tuesday | Official letter to RBI or RO |
| Wednesday | Request for operational resources |
| Thursday | Introduction of digital service to customers |
| Friday | Report of fraud/unauthorized transaction |
| Saturday | Full-length mock letter writing |
| Sunday | Letter evaluation and revision |
🎯 Final Words
In the SBI CBO 2025 Descriptive English Paper, letter writing gives you the chance to show your professional communication skills, an essential trait for any officer.
Mastering the correct format, maintaining a formal tone, and writing precisely can help you score high marks. Consistent practice using real-life banking scenarios is the key to success.
Want to master letter writing before exam day?
Join Bank Whizz’s SBI CBO Descriptive English Course — packed with letter mocks, format guides, evaluations, and topic drills designed specifically for SBI CBO aspirants.