The SBI PO Descriptive English Test is a crucial section in the Mains Exam, carrying 50 marks and consisting of:
- Essay Writing (30 marks) – 250-300 words
- Letter Writing (20 marks) – 150-200 words
- Total Time: 30 minutes
Candidates often find this section challenging due to the limited time and the need for structured, well-written responses. To help you ace this section, here are some top sample essays and letters based on expected topics for SBI PO 2025.
Sample Essay 1: The Role of Artificial Intelligence in Banking
Introduction:
Artificial Intelligence (AI) is transforming industries worldwide, and banking is no exception. With the increasing adoption of chatbots, fraud detection systems, and automated loan approvals, AI is enhancing efficiency and customer service in the financial sector.
Body:
- Improved Customer Service: AI-powered chatbots provide 24/7 assistance, reducing the need for human intervention.
- Fraud Prevention: AI-based analytics detect unusual transactions and prevent financial fraud.
- Automation in Loan Approvals: AI processes loan applications faster by analyzing credit scores and financial history.
- Challenges: Concerns include job displacement, data privacy, and cybersecurity risks.
Conclusion:
AI is revolutionizing banking by making services faster and safer, but careful regulation and cybersecurity measures are needed to ensure ethical and secure AI adoption.
Sample Essay 2: Digital Payments – Boon or Bane?
Introduction:
The rise of UPI, mobile wallets, and digital banking has made cashless transactions the norm. While digital payments offer convenience, concerns about cyber fraud and digital illiteracy remain.
Body:
- Advantages:
- Instant transactions and cashless convenience
- Increased financial inclusion in rural areas
- Reduced dependency on cash, benefiting the economy
- Disadvantages:
- Cybersecurity risks and digital fraud
- Technical glitches and server downtime
- Exclusion of the digitally illiterate population
Conclusion:
Digital payments are a boon for economic growth, but government efforts in cybersecurity and financial literacy are needed to ensure safe and inclusive adoption.
Sample Formal Letter 1: Letter to Bank Manager for Home Loan Inquiry
Question: Write a letter to the bank manager requesting details about a home loan for purchasing a flat.
[Your Address]
ABC Nagar, Bangalore
February 25, 2025
To,
The Branch Manager
State Bank of India
MG Road Branch, Bangalore
Subject: Inquiry Regarding Home Loan Process
Respected Sir/Madam,
I am interested in availing a home loan to purchase a residential flat at XYZ Apartments, Bangalore. I would like to request details regarding loan eligibility, interest rates, EMI options, and required documentation.
I am a salaried employee at ABC Ltd. with a monthly income of ₹80,000 and a savings account holder in SBI. Kindly provide me with the application process and timeline for loan approval.
Looking forward to your response.
Yours sincerely,
[Your Name]
Sample Formal Letter 2: Complaint to the Municipal Officer About Poor Road Conditions
Question: Write a letter to the municipal officer complaining about the poor condition of roads in your locality.
[Your Address]
XYZ Colony, Mumbai
February 25, 2025
To,
The Municipal Commissioner
Mumbai Municipal Corporation
Subject: Complaint Regarding Poor Road Conditions in XYZ Colony
Respected Sir/Madam,
I am a resident of XYZ Colony, Mumbai, and I wish to draw your attention to the poor condition of roads in our area. The roads have multiple potholes, leading to frequent accidents and traffic congestion. During the monsoon, the situation worsens due to waterlogging and damaged drainage systems.
We request the immediate repair and maintenance of the roads to ensure public safety. Your prompt action would be greatly appreciated.
Yours sincerely,
[Your Name]
Sample Informal Letter 1: Letter to a Friend Explaining the Importance of Investment
Question: Write a letter to your friend explaining the benefits of investing early in life.
[Your Address]
XYZ Society, Pune
February 25, 2025
Dear [Friend’s Name],
I hope you are doing well. I recently attended a seminar on financial planning and realized how important it is to start investing early.
By investing in mutual funds, stocks, or fixed deposits, you can grow your savings and secure your future. The power of compounding ensures that small investments today will turn into substantial wealth over time.
Start by setting aside a small amount monthly and investing in low-risk funds. Let me know if you need guidance—I’d be happy to help!
Yours lovingly,
[Your Name]
Sample Informal Letter 2: Letter to Your Younger Sibling Advising on Time Management
Question: Write a letter to your younger brother/sister advising them on time management skills.
[Your Address]
ABC Nagar, Kolkata
February 25, 2025
Dear [Sibling’s Name],
I hope your studies are going well. I wanted to share some tips on time management, which will help you stay organized and stress-free.
- Make a daily schedule – Prioritize important tasks first.
- Avoid distractions – Limit social media during study time.
- Take short breaks – Helps maintain focus and productivity.
- Set deadlines – Helps in achieving goals effectively.
By managing time wisely, you’ll be able to study efficiently and also enjoy free time. Let me know if you need more guidance.
Yours lovingly,
[Your Name]
Practice Topics for SBI PO 2025 Descriptive English
Essay Writing Topics:
- The Impact of Cryptocurrency on the Indian Economy
- The Role of Women in Financial Growth
- Importance of Cybersecurity in Digital Banking
- The Future of Work: AI vs. Human Workforce
- Role of Financial Literacy in Economic Development
Letter Writing Topics:
Formal Letters:
- Write a letter to the bank manager requesting a car loan.
- Write a letter to the editor about the impact of social media on youth.
- Write a letter to a government official about the need for better public transport.
- Write a letter to a company HR applying for a job.
- Write a letter to an insurance company regarding a health insurance claim.
Informal Letters:
- Write a letter to a friend sharing your experience of working in a bank.
- Write a letter to your cousin congratulating them on their new job.
- Write a letter to your father describing your first salary experience.
- Write a letter to a childhood friend recalling school memories.
- Write a letter to your neighbor thanking them for their help during an emergency.
Final Tips for SBI PO 2025 Descriptive English
✅ Follow a structured format – Introduction, Body, and Conclusion.
✅ Use simple and effective language – Avoid complex jargon.
✅ Stick to the word limit – Essay: 250-300 words, Letter: 150-200 words.
✅ Practice timed writing – Complete both tasks in 30 minutes.
✅ Proofread before submission – Check for grammar and spelling mistakes.
By practicing these sample essays and letters, you can confidently attempt the SBI PO 2025 Descriptive English section and maximize your score!
Start practicing today and ace the exam! 🚀