1. Introduction - From a PWD Perspective

Government banking jobs remain one of the most secure and respectful career options for Persons with Disabilities (PwD) in India. The Central Bank of India Specialist Officer Recruitment 2026 offers 350 posts in two professional categories - Foreign Exchange Officer (Scale III) and Marketing Officer (Scale I).

For PwD candidates, this recruitment is important because:

  • It comes under a nationalized public sector bank with structured disability reservations
  • Provides age relaxation and fee concessions
  • Work profile is largely desk-oriented and accessible
  • Offers long-term job stability with career growth

However, not every PwD category or candidate profile will find this job equally suitable. This article explains the recruitment purely from a disability-inclusive point of view so you can take a practical and informed decision.

2. Official Job Overview

ParticularDetails
OrganizationCentral Bank of India
Post NamesForeign Exchange Officer (Scale III) & Marketing Officer (Scale I)
Total Vacancies350
Mode of ApplicationOnline
Job LocationAcross India
Exam ModeOnline Written Test + Interview
Salary Range₹48,480 - ₹1,05,280 (depending on post)
Application Period20-01-2026 to 15-02-2026

3. PWD-Specific Eligibility Analysis

Which Disability Categories Are Eligible?

Official notification does not clearly specify exact disability categories such as OH / VH / HH / ID etc. for these posts.

Therefore:

  • The recruitment mentions PwBD (Persons with Benchmark Disabilities) benefits, but
  • Post-wise functional suitability for each disability type is not explicitly defined

What This Means Practically

Candidates with any recognized disability category can apply under PwBD quota provided they can perform the essential job functions.

Typical categories under PwBD Act:

  • Locomotor Disability (OH)
  • Visual Impairment (VH)
  • Hearing Impairment (HH)
  • Multiple Disabilities
  • Other specified disabilities

Since job profiles are desk-based banking roles, candidates with:

  • Mild to moderate locomotor disabilities
  • Hearing impairment
  • Low vision (with assistive devices)

are generally more suited.

Important Reality Check

  • These posts are professional specialist roles
  • They require high computer usage
  • Communication ability is essential
  • Customer interaction may be required

Hence candidates with severe visual or intellectual disabilities may find it difficult unless assistive technology is permitted.

Official notification does not specify this - candidate should confirm with recruiting authority before applying.

4. Reservations, Relaxations & Benefits for PWD

Benchmark Disability Criteria

To claim PwBD benefits:

  • You must have minimum 40% disability
  • Valid government-issued disability certificate is mandatory
  • UDID card is strongly recommended

Age Relaxation for PwD

CategoryRelaxation
PwBD General10 years
PwBD + OBC13 years
PwBD + SC/ST15 years

This relaxation is very important because:

  • Marketing Officer age limit becomes effectively up to 40 years
  • Foreign Exchange Officer age limit becomes effectively up to 45 years

Fee Concession

CategoryApplication Fee
PwBD Candidates₹175 only
General/Others₹850

Exam Concessions

The notification allows:

  • Relaxed qualifying marks for PwBD
  • Lower cut-off (45% instead of 50%)

But regarding scribe and extra time:

Official notification does not clearly mention scribe policy or extra time provisions. Candidate should confirm with recruiting authority before applying.

5. Realistic Job Suitability Check

Nature of Work

Both posts involve:

  • Computer-based office work
  • Report preparation
  • Customer interaction
  • Banking operations
  • Data analysis
  • Marketing and communication tasks

Physical Requirements

No heavy physical labor is involved.

This makes the job highly suitable for:

  • Candidates with locomotor disabilities
  • Candidates with hearing impairment
  • Candidates who need a stable desk job

Challenges You Should Consider

  • Job can involve transfers across India
  • Targets and performance pressure (especially Marketing Officer)
  • Continuous computer work
  • Communication skills required

If you have a disability affecting:

  • Long sitting hours
  • Extensive travel
  • Voice communication

then Marketing Officer role may be challenging.

Foreign Exchange Officer role is more technical and desk-oriented, hence often more comfortable for PwD candidates.

6. How to Apply - Step-by-Step (PWD Focus)

  1. Visit official application portal
  2. Register with email and mobile
  3. Select “PwBD Category” correctly
  4. Upload disability certificate details
  5. Pay reduced fee of ₹175
  6. Save application copy carefully

Documents Every PwD Candidate Must Keep Ready

  • Recent PwD Disability Certificate (issued by competent medical authority)
  • UDID Card
  • Educational Certificates
  • Photo ID proof
  • Experience certificates (mandatory for both posts)
  • Recent photograph and signature

7. Salary, Growth & Long-Term Career Outlook

Pay Scale

  • Marketing Officer (Scale I): ₹48,480 - ₹85,920
  • Foreign Exchange Officer (Scale III): ₹85,920 - ₹1,05,280

Additional benefits:

  • Dearness Allowance
  • HRA
  • Medical facilities
  • Pension and PF
  • Promotion opportunities

For PwD employees, public sector banks generally provide:

  • Accessible work environment
  • Supportive HR policies
  • Equal promotion opportunities
  • Job security

8. Preparation Strategy for PwD Candidates

Written Exam Strategy

  • Focus on domain-specific syllabus
  • Practice online mock tests
  • Use screen readers if needed
  • Request exam center accommodation in advance

Time Management Tips

  • Use digital study materials
  • Leverage audio notes
  • Join online coaching if required

If you need a scribe or extra time:

Confirm with exam authority well before exam date.

9. Pros & Cons for PwD Applicants

Pros

  • Government bank job stability
  • Fee concession
  • Age relaxation
  • Professional growth
  • Mostly desk-based work

Cons

  • Experience requirement is strict
  • Transfers possible
  • Target pressure in Marketing role
  • Lack of clearly defined disability categories

10. Application Checklist (PWD Version)

Before final submission, ensure you have:

  • Valid disability certificate (40%+)
  • UDID Card
  • Correct PwBD category selection
  • Scanned documents as per format
  • Reduced fee payment proof
  • Proper photo and signature uploads

Common mistakes to avoid:

  • Uploading expired certificate
  • Selecting wrong disability category
  • Not matching name with certificates
  • Incorrect document size format

11. Final Honest Advice - Should a PwD Candidate Apply?

You SHOULD apply if:

  • You already have required qualifications and experience
  • You are comfortable with computer-based banking work
  • Your disability does not affect core job functions
  • You are seeking a stable government career

You should THINK TWICE if:

  • You cannot meet experience criteria
  • You need complete work-from-home option
  • Your disability severely limits communication or computer use

Overall, this recruitment is a good opportunity for qualified PwD professionals, especially in the Foreign Exchange Officer role.

12. PWD-Centric Frequently Asked Questions

Q1. Is my disability type eligible?

Official notification does not specify exact disability categories. Any candidate with 40%+ benchmark disability can apply, subject to functional suitability.

Q2. Will I get age relaxation?

Yes. PwBD candidates get 10 years relaxation (up to 15 years depending on category).

Q3. Is application fee reduced for PwD?

Yes. Only ₹175 for PwBD candidates.

Q4. Can I get a scribe for the exam?

Official notification does not clearly specify this - candidate should confirm with recruiting authority before applying.

Q5. Is UDID card mandatory?

Not mandatory but highly recommended for smooth verification.

Q6. Are these posts suitable for wheelchair users?

Generally yes, as work is desk-based - but branch infrastructure may vary.

Q7. Can a visually impaired candidate apply?

Possibly, but practical suitability depends on assistive support. Confirm with bank before applying.

Apply Now

Apply Link: https://ibpsreg.ibps.in/cbidec25/