The Descriptive Test in the SBI PO 2025 Mains exam includes an essay and a letter. Out of the two, the essay section holds more weightage with 30 marks and can significantly improve your final score. Choosing the right topics for practice is essential—not only to strengthen your writing but also to stay prepared for any expected or surprise topic on exam day.
This guide provides the top 10 most probable essay topics for SBI PO 2025 based on previous years’ trends, current affairs, and banking-related developments. Each topic also includes writing directions to help you think and write effectively.
🔟 Top 10 Essay Topics for SBI PO 2025 (With Writing Ideas)
1. The Role of Digital Banking in Financial Inclusion
- Discuss how mobile banking, UPI, and government schemes like Jan Dhan Yojana are making banking services accessible.
- Talk about rural adoption, digital literacy challenges, and the future of digital finance.
2. Climate Change and Sustainable Development in India
- Define climate change and its effects on India (floods, droughts, etc.).
- Discuss India’s role in COP summits, sustainable goals, renewable energy, and environmental regulations.
3. Cybersecurity in the Indian Banking Sector
- Start with recent data breaches or UPI frauds.
- Highlight the need for secure digital infrastructure, awareness, and regulatory frameworks.
4. India’s Journey Towards a $5 Trillion Economy
- Define what it means and where India currently stands.
- Write about reforms in manufacturing, services, startups, digital economy, and global trade challenges.
5. Online Education: Opportunities and Challenges
- Focus on the post-COVID boom in edtech platforms.
- Compare it with traditional learning and mention digital divide and screen fatigue.
6. Women Empowerment in Modern India
- Include schemes like Beti Bachao, Women-led startups, reservation in politics.
- Also address challenges like gender wage gap and workplace safety.
7. Artificial Intelligence: A Boon or Bane?
- Give examples of how AI is used in banking (chatbots, fraud detection).
- Mention ethical concerns, job displacement, and the need for regulations.
8. Unemployment in India: Causes and Solutions
- Talk about youth unemployment, skill gap, automation, and migration.
- Suggest solutions like vocational training, rural entrepreneurship, and MSME support.
9. The Impact of Social Media on Society
- Balanced view on how it connects people, spreads information.
- Address issues like misinformation, cyberbullying, and mental health.
10. The Role of Public Sector Banks in Nation Building
- Historical perspective on PSBs and financial inclusion.
- Challenges: NPA crisis, privatization debates, and future roadmap.
🧠 How to Prepare for These Topics
- Understand the Core Idea: For each topic, know the basics, background, and current developments.
- Write Short Notes: Prepare bullet points with facts, data, and examples.
- Practice Essay Writing: Choose 3 topics a week and write 250–300 word essays.
- Get Feedback: Use Bank Whizz’s evaluation tools or peer review to refine your structure and content.
✍️ Essay Writing Template to Follow
Introduction: Define the topic, set the context, and state your intent.
Body: Use 2–3 paragraphs to explain perspectives, challenges, or impacts. Support with examples.
Conclusion: Summarize key points and give a balanced opinion or solution.
📚 Sample Outline: Topic 1 – Digital Banking & Financial Inclusion
Intro: Digital banking as a transformative force in India’s banking sector.
Body Para 1: Government initiatives – Jan Dhan, UPI, BHIM, Aadhaar linking.
Body Para 2: Benefits – cost reduction, access in rural areas, transparency.
Body Para 3: Challenges – digital illiteracy, cyber frauds, regional disparity.
Conclusion: While digital banking has improved inclusion, infrastructure and awareness remain key to achieving universal access.
⚠️ Mistakes to Avoid
- Writing off-topic or without structure
- Not balancing viewpoints (e.g., only pros, no cons)
- Using informal language
- Ignoring word limit or spending too much time on planning
🧩 How Bank Whizz Helps You Prepare
At Bank Whizz, we don’t just give you topics—we train you to write impactful essays with:
- ✅ 50+ model essays on trending and banking topics
- ✅ Mock descriptive papers with expert evaluation
- ✅ Video lessons on essay structuring and vocabulary
- ✅ Weekly live doubt-clearing and mentor feedback
Thousands of candidates have improved their writing clarity, content quality, and exam-time speed through Bank Whizz.
✅ Final Tips
- Practice 3–4 essays per week based on these 10 topics
- Read newspapers like The Hindu or Economic Times
- Watch videos to build arguments on abstract issues
- Revise previous year SBI PO topics and patterns
Conclusion
The essay section is your chance to express your knowledge, clarity, and personality. With focused practice on these top 10 topics, you’ll be prepared to handle any surprise that the SBI PO 2025 Descriptive Test throws at you.
📢 Ready to master descriptive writing?
➡️ Join Bank Whizz’s Descriptive English Program now and elevate your essay game!