SBI PO 2025 Descriptive Paper: Sample Essays & Letters for Practice

Introduction

The SBI PO 2025 Descriptive English Paper is a crucial section of the Mains Examination, requiring candidates to write an Essay (30 marks, ~250 words) and a Letter (20 marks, ~150 words) within 30 minutes.

To help you prepare, this guide provides:
✅ Two sample essays on trending topics
✅ Two sample letters (Formal & Informal)
✅ Practice topics for self-study

Practicing these samples will improve writing skills, time management, and overall performance in the SBI PO Descriptive Paper.

Sample Essay 1: The Role of Digital Banking in Financial Inclusion

Introduction

Financial inclusion is a critical factor in economic growth, ensuring that banking services are accessible to all, especially in rural areas. The rise of digital banking, UPI payments, and mobile banking apps has transformed India’s financial sector, bridging the gap between the unbanked and formal banking services.

Main Body

Digital banking has revolutionized money transfers, bill payments, and credit accessibility. The Indian government’s initiatives, such as Pradhan Mantri Jan Dhan Yojana (PMJDY) and Unified Payments Interface (UPI), have facilitated seamless financial transactions, eliminating the need for physical bank visits.

Moreover, Artificial Intelligence (AI) and chatbots in banking have improved customer experience, providing 24/7 services. However, challenges like cybersecurity threats, lack of digital literacy, and internet unavailability in rural areas still hinder complete financial inclusion. Banks and the government must work together to enhance security and digital awareness.

Conclusion

Digital banking has played a pivotal role in financial inclusion by making banking services more accessible. However, addressing security concerns and improving internet infrastructure will be key to ensuring that every citizen benefits from these advancements.

Sample Essay 2: The Impact of Artificial Intelligence on the Banking Sector

Introduction

Artificial Intelligence (AI) is revolutionizing the banking sector by enhancing efficiency, security, and customer service. AI-driven solutions like chatbots, fraud detection algorithms, and personalized banking recommendations are transforming how banks operate.

Main Body

AI-powered chatbots, such as SBI’s YONO and HDFC’s EVA, have improved customer engagement by handling routine inquiries, reducing the need for human intervention. Additionally, AI’s role in fraud detection and risk assessment has strengthened cybersecurity, preventing financial fraud.

However, AI also brings challenges like job displacement and ethical concerns. Many banking jobs may become redundant due to automation, necessitating re-skilling and up-skilling programs for employees.

Conclusion

While AI is reshaping the banking industry, a balance between automation and human oversight is essential. Proper regulations and technological advancements will ensure a secure and efficient banking future.

Sample Formal Letter: Request to the Bank Manager for Loan Approval

📌 Question: Write a letter to the Bank Manager requesting a home loan approval.

📌 Answer:

ABC Residency, Sector 15,
Mumbai – 400001

10th February 2025

To,
The Branch Manager,
State Bank of India,
Andheri West, Mumbai

Subject: Request for Home Loan Approval

Respected Sir/Madam,

I am writing to request the approval of a home loan of ₹50 lakhs under your bank’s housing finance scheme. I am a salaried employee working with Infosys Ltd. and have been maintaining a savings account (A/C No: XXXXXXXX) with your branch for the past six years.

I have already completed the necessary documentation and eligibility criteria as per the loan application requirements. I request you to process my application at the earliest, as I have finalized a property and need to complete the purchase.

I would appreciate your prompt assistance in this matter. Kindly inform me if any additional documents are required.

Yours sincerely,
Rahul Mehta
Contact: 98XXXXXXXX

Sample Informal Letter: Letter to a Friend on the Importance of Financial Planning

📌 Question: Write a letter to your friend explaining the importance of financial planning.

📌 Answer:

ABC Apartments, Saket,
New Delhi – 110017

10th February 2025

Dear Rohan,

I hope you are doing well. It has been a long time since we last met. I wanted to share something important with you—the significance of financial planning in today’s world.

Financial planning helps us save, invest, and secure our future. With rising inflation and economic uncertainty, it is crucial to manage our expenses wisely. Investing in stocks, mutual funds, and fixed deposits ensures financial stability. Moreover, having a retirement plan and emergency fund can safeguard us from unexpected financial crises.

I suggest you start with small investments and gradually expand your portfolio. Let’s meet soon and discuss this in detail. Looking forward to catching up!

Best regards,
Amit

Practice Topics for SBI PO 2025 Descriptive Paper

Essay Writing Practice Topics

📌 Banking & Economy:

  1. The Role of RBI in Controlling Inflation
  2. The Future of Cryptocurrency in India
  3. Challenges and Opportunities for Public Sector Banks
  4. The Impact of Digital Payments on Small Businesses
  5. The Role of MSMEs in Boosting India’s Economy

📌 Social Issues & Current Affairs:
6. Cybersecurity Threats in Digital India
7. The Role of Social Media in Shaping Public Opinion
8. Women Empowerment in the Financial Sector
9. The Growing Gig Economy: Opportunities & Challenges
10. Work-Life Balance in the Modern Corporate World

📌 Technology & Innovation:
11. Artificial Intelligence and Its Impact on Jobs
12. 5G and the Future of Banking
13. The Benefits and Risks of Cashless Economy
14. The Role of Blockchain in Banking Security
15. The Rise of Neobanks and Digital-Only Banking

Letter Writing Practice Topics

📌 Formal Letters:

  1. Letter to the bank manager requesting a change in registered mobile number
  2. Letter to the editor about increasing frauds in online banking
  3. Letter to HR requesting a transfer to another branch
  4. Letter to the municipal corporation regarding poor drainage in your area
  5. Letter to a government official requesting better public transport facilities

📌 Informal Letters:
6. Letter to a friend explaining the benefits of stock market investments
7. Letter to a cousin guiding them on career choices
8. Letter to a sibling about the importance of reading books
9. Letter to a friend discussing the impact of online education
10. Letter to parents expressing your excitement about a job promotion

Final Takeaways

✅ Follow a Proper Structure: Introduction → Body → Conclusion (for essays) & Correct Format (for letters).
✅ Stick to the Word Limit: Essay (~250 words), Letter (~150 words).
✅ Use Clear & Formal Language: Avoid informal expressions in formal letters.
✅ Time Management: Allocate ~18-20 minutes for the essay and ~10-12 minutes for the letter.
✅ Practice Daily: Write one essay and one letter per day under exam conditions.

By following these sample essays, letters, and practice topics, you can maximize your score in the SBI PO 2025 Descriptive English Paper and ensure success!