Introduction
Scoring high in the SBI PO 2025 Descriptive English Paper requires more than just good grammar — you need structure, clarity, relevance, and confidence. With the essay section carrying 30 marks, your ability to express well-formed opinions in 250–300 words can make all the difference in your final selection.
In this post, we present Top 5 Sample Essays based on the most expected and trending topics. These model essays follow the ideal format, use current data and real examples, and help you understand what kind of content examiners reward.
What Makes a Good Essay in SBI PO?
- Introduction – Brief, relevant, and engaging
- Body – Well-structured paragraphs with clear arguments and supporting examples
- Conclusion – Crisp summary with a futuristic or solution-oriented view
- Language – Clear, simple, and error-free
- Flow – Logical progression from one idea to another
Each sample essay below follows this structure to help you model your own answers.
Sample Essay 1: Role of Artificial Intelligence in Banking
Introduction
Artificial Intelligence (AI) is revolutionizing industries, and the banking sector is no exception. As financial institutions adapt to digital transformation, AI emerges as a tool for efficiency, risk mitigation, and customer personalization.
Body
AI enables faster loan processing, better fraud detection, and smarter chatbots for 24/7 customer support. Banks like SBI and HDFC are already using AI algorithms for credit scoring and KYC verifications. Additionally, machine learning models can analyze huge datasets to predict customer behavior, reduce NPAs, and optimize operations.
However, AI comes with challenges — data privacy concerns, ethical dilemmas, and job displacement fears are real. There’s also the cost of implementation and lack of skilled professionals in AI-specific roles.
Conclusion
AI is not a replacement but a support system for human bankers. If adopted with responsibility and regulation, it can take Indian banking to the next level while creating new job roles and improving financial inclusion.
Sample Essay 2: Digital Payments – A Step Towards Cashless India
Introduction
India’s digital payments ecosystem has grown exponentially in the last few years, driven by the government’s Digital India campaign, increased internet penetration, and the rise of UPI.
Body
The shift towards cashless transactions gained momentum post-demonetization and during the pandemic. Today, platforms like UPI, Google Pay, and PhonePe are used by everyone — from large enterprises to street vendors. These systems ensure transparency, convenience, and financial inclusion.
However, the digital divide still exists. Rural areas face internet issues, and digital illiteracy makes many citizens hesitant. Also, cybersecurity threats like phishing and data breaches must be addressed.
Conclusion
Digital payments are a powerful tool for economic growth. With improved infrastructure, awareness campaigns, and security protocols, India is steadily marching towards a truly cashless future.
Sample Essay 3: Climate Change and Its Impact on Indian Economy
Introduction
Climate change is no longer a distant threat — it’s a present-day crisis affecting economies worldwide. For India, a country dependent on agriculture and natural resources, the economic consequences are far-reaching.
Body
Unseasonal rains, floods, droughts, and heatwaves have disrupted agriculture, causing crop failures and food inflation. Livelihoods in coastal areas are threatened due to rising sea levels. These changes increase the financial burden on governments, insurers, and banks. Industries like power, textiles, and tourism are also impacted.
In response, the government is promoting green energy, electric vehicles, and carbon-neutral policies. Banks are stepping up with “green finance” initiatives to support climate-friendly businesses.
Conclusion
Tackling climate change is not just an environmental concern, but an economic necessity. A sustainable economy is possible if policy-makers, businesses, and citizens act responsibly together.
Sample Essay 4: Importance of Financial Literacy in India
Introduction
Financial literacy is the foundation of economic empowerment. In a growing economy like India, equipping citizens with knowledge about saving, investing, and credit is crucial.
Body
Despite being the world’s fifth-largest economy, India ranks low in financial literacy. Many people, especially in rural areas, are unaware of basic banking facilities, digital payment systems, or investment options. This leads to financial exclusion, fraud vulnerability, and poor money management.
To address this, RBI and SEBI have launched multiple campaigns, and banks conduct awareness drives. Initiatives like Jan Dhan Yojana, PMJJBY, and digital banking have helped bring millions into the formal economy.
Conclusion
Empowering citizens with financial knowledge enhances their quality of life and strengthens the economy. Financial literacy is no longer optional — it is essential for inclusive and sustainable growth.
Sample Essay 5: Remote Working – Boon or Bane?
Introduction
Remote working, once a rare privilege, became the norm during the COVID-19 pandemic. Today, it has sparked debates about productivity, mental health, and the future of the workplace.
Body
On one hand, work-from-home saves commuting time, reduces operational costs, and offers flexibility. Many companies have reported improved employee satisfaction and even increased output. Tech firms and startups have adapted especially well.
On the other hand, remote work blurs the line between personal and professional life. Isolation, poor communication, and lack of team bonding are common issues. Not all jobs are suited for remote work, especially in banking and healthcare sectors.
Conclusion
Remote working is not a universal solution but a flexible option. A hybrid model, combining the best of both worlds, seems to be the future of work.
Key Takeaways for Aspirants
- Follow the 3-part Structure: Introduction – Body – Conclusion
- Keep it Simple: Use clear and error-free language
- Stay Relevant: Don’t drift off-topic
- Use Data Wisely: If you know figures, include them
- Practice Typing: You must write 250–300 words in 15–18 minutes
Practice Strategy for Essay Success
- Daily Practice: Write 1 essay per day for 3 weeks
- Use Timer: Stick to the 15–18 minute limit
- Review: Take feedback from mentors or enroll in Bank Whizz evaluation services
- Update Content: Read editorials, follow news, collect real-world examples
- Revise Formats: Be ready for any type — factual, opinion-based, analytical
Why Bank Whizz is Perfect for Descriptive Prep
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- Latest Sample Essays & Model Answers
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Conclusion
The SBI PO 2025 Descriptive English section is your chance to shine. With these sample essays as your guide, you’ll understand how to frame answers, support your arguments, and write like a future Probationary Officer. Don’t just read—practice regularly, get feedback, and build your confidence to score 30/30 in the essay section.
Let your words shape your selection.