1. Introduction - From a PWD Perspective

Finding a professional banking career opportunity that is genuinely inclusive for Persons with Disabilities (PWD) is not easy. Most government and PSU recruitments announce vacancies, but very few clearly specify whether the job role is practically suitable for different disabilities.

The Exim Bank Management Trainee (Banking Operations) Recruitment 2026 is one such opportunity. However, this recruitment offers only one vacancy reserved for PWD candidates, specifically under the Hearing Impairment (HI) category.

This article explains-honestly and practically-whether this job is worth applying for if you are a PWD candidate, what benefits and relaxations are available, and what challenges you may face.

2. Official Job Overview

ParticularDetails
OrganizationExport-Import Bank of India (Exim Bank)
Post NameManagement Trainee (Banking Operations)
Total Vacancies40
Vacancies for PWD1 (Hearing Impairment Only)
QualificationGraduation 60% + MBA/PGDM (Finance/IB/Foreign Trade) OR CA
Age Limit21 to 28 years
Salary During Training₹65,000 per month
Salary After Absorption₹48,480 - ₹85,920 per month
Mode of SelectionWritten Exam + Interview
Application ModeOnline

3. PWD-Specific Eligibility Analysis

Which Disability Categories Are Eligible?

As per the official notification:

  • Only Hearing Impairment (HI) category is eligible.
  • Reservation is available under Persons with Benchmark Disabilities (PwBD) with minimum 40% disability.

Other disability categories such as:

  • Orthopedic Handicapped (OH)
  • Visual Impairment (VI)
  • Intellectual Disability (ID)
  • Multiple Disabilities

➡ are NOT eligible for reservation in this recruitment.

This is a critical point for applicants:
Even if you are a PWD candidate from another category, you will have to apply as a general candidate without PWD reservation benefits.

4. Medical Standards & Certification Requirements

To claim PWD benefits, candidates must have:

  • A valid Disability Certificate issued by a competent medical authority
  • Disability percentage of 40% or more
  • Certificate as per the format prescribed under the Rights of Persons with Disabilities Act, 2016

Important documents:

  • UDID Card (if available)
  • Benchmark Disability Certificate from Government Hospital/Medical Board

Without these, you cannot claim PWD relaxation or reservation.

5. Reservations, Relaxations & Benefits for PWD Candidates

Reservation Policy

  • Total PWD reserved posts: 1
  • Reserved specifically for: Hearing Impairment
  • Reservation is horizontal, meaning it cuts across all categories (UR/OBC/SC/ST).

Age Relaxation for PWD

CategoryMaximum Age Allowed
PwBD (UR/EWS)38 years
PwBD (OBC-NCL)41 years
PwBD (SC/ST)43 years

This is one of the strongest advantages for PWD aspirants.

Fee Concession

CategoryApplication Fee
General / OBC₹600
PWD Candidates₹100 only

Exam Concessions

The official notification does not clearly specify:

  • Scribe facility
  • Extra time
  • Accessible exam formats

Therefore:

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

6. Realistic Job Suitability Check

Nature of the Job

Management Trainee (Banking Operations) is primarily an office-based, professional role involving:

  • Financial analysis
  • Banking operations
  • Documentation
  • Client interaction
  • Computer-based work
  • Report preparation

Is It Suitable for Hearing-Impaired Candidates?

YES - largely.

This job:

  • Does not require heavy physical work
  • Is desk-oriented
  • Relies on analytical and written communication skills
  • Can be performed with reasonable workplace adjustments

For candidates with hearing impairment, this is a realistically suitable government banking career option.

Workplace Environment

  • Corporate banking offices
  • Mostly urban postings
  • Computer-based environment
  • Possibility of communication challenges during meetings

Overall accessibility: Moderately high

7. How to Apply - PWD-Focused Guidance

Step-by-Step Process

  1. Visit official website: eximbankindia.in
  2. Click “Apply Online”
  3. Register using email and mobile number
  4. Fill personal and educational details
  5. Upload required documents
  6. Pay reduced application fee
  7. Submit and take printout

Documents PWD Candidates Must Prepare

  • Disability Certificate (mandatory)
  • UDID Card (if available)
  • Educational certificates
  • ID proof
  • Recent photograph and signature

Common Mistakes to Avoid

  • Uploading expired disability certificate
  • Certificate not showing 40% or above
  • Wrong disability category mentioned
  • Name mismatch between certificates and application

These errors often lead to rejection at document verification stage.

8. Salary, Growth & Long-Term Career Outlook

Financial Benefits

  • ₹65,000 per month stipend during training
  • After confirmation: banking pay scale ₹48,480 - ₹85,920
  • Allowances and benefits as per bank rules

Career Stability

  • Permanent PSU banking job
  • Structured promotions
  • Housing, medical, and other facilities

For a PWD candidate, this is a highly respectable and secure career path.

9. Preparation Strategy for PWD Candidates

Exam Pattern

  • Written Test (Professional Knowledge) - Subjective
  • 100 marks, 2.5 hours
  • Followed by Interview

Practical Tips

  • Focus on banking and finance concepts
  • Practice descriptive writing
  • Improve typing and computer skills
  • Prepare disability documents well in advance

10. Pros & Cons for PWD Applicants

Pros

  • Excellent salary and career growth
  • Age relaxation up to 43 years
  • Very low application fee
  • Office-based job suitable for HI candidates
  • Government-recognized PWD reservation

Cons

  • Only 1 vacancy for PWD
  • Reservation limited to Hearing Impairment
  • High educational eligibility requirement
  • Competition will be tough

11. Application Checklist (PWD Version)

Before applying, ensure you have:

  • Valid Disability Certificate (40%+)
  • Correct disability category - Hearing Impairment
  • UDID Card
  • Mark sheets and degree certificates
  • Scanned photograph and signature
  • Correct fee payment

12. Final Honest Advice

  • If you are a Hearing-Impaired candidate with required qualifications, this is a very good opportunity.
  • If you belong to any other disability category, you will not get PWD benefits in this recruitment.

Because only one post is reserved, competition will be intense. Apply only if you meet every eligibility condition perfectly.

Frequently Asked Questions (PWD-Centric)

Q1. Is my disability type eligible?

Only Hearing Impairment (HI) candidates are eligible for PWD reservation in this recruitment.

Q2. I have orthopedic disability. Can I apply as PWD?

No. The current vacancy is reserved exclusively for Hearing Impairment.

Q3. Can I get a scribe or extra time?

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

Q4. What minimum disability percentage is required?

Minimum 40% benchmark disability is mandatory.

Q5. Is there fee concession for PWD?

Yes. PWD candidates pay only ₹100 instead of ₹600.

Q6. Can final-year students apply?

Yes, if results are expected in 2026 and documents are produced by June 1, 2026.

Apply Now

Apply Link: https://ibpsreg.ibps.in/iebmtnov25/