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October 22, 2008

Bank Agriculture Officers Exam: What is it & how to prepare

Indian Banking system seems to have captured each inch of existing market places in the urban areas of India and therefore making forays into rural areas. If this was not true, so many banks would not have been recruiting so many Bank Agriculture Officer so often.

This is good news for those specializing/specialized in Agriculture field. This blog post and subsequent few others are aimed to equip you with sufficient knowledge on how to prepare for the Bank Agriculture Officers exam with available study materials for Bank Agriculture Officers exam.

At first: What are Bank Agriculture Officers?
What does a Bank Agriculture Officer do (i.e. job content of a Bank Agriculture Officer)?

Well, the job of a Bank Agriculture Officer is to promote rural lending in general and agriculture lending in particular for various schemes of Government (e.g. Pradhan Mantri Rozgar Yojna, Swaranjyanti Swayrozgar Yojna etc.) and also other schemes of the Bank.

The work of Bank Agriculture Officer includes: to mobilize, process / appraise the loan proposal pertaining to Agriculture & Allied- Agriculture activities and recommend sanction thereof. This requires customer prospecting, customer acquisition, pre loan-sanction visit/field inspection, verification of revenue records, credit appraisal, loan disbursement & post loan sanction follow-up/loan recovery.

For this they need to interact with farmers at grass roots level to spread information about the credit facilities being extended by the bank as well as interact & sensitize the concerned Government officials’ viz. Revenue officials, District Agriculture Officer, Panchayat Secretaries & Village Sarpanches.

Which Banks recruit Bank Agriculture Officers? What are the eligibilities, Salaries?
Almost all Public sector Banks and also many private sector banks recruits Agriculture Officer these days. Few recent recruitment are given below for example, so as to let you know of the Eligibilities (Academic & Age) and Salaries of a Bank Agriculture Officer:

Punjab National Bank had organized Bank Agriculture Officers exam on 04.05.2008.
Eligibilities:
Age: Min 21, Max 28
Qualifications: Graduate with min. 50% in Agriculture/ Horticulture/Animal Husbandry/ Veterinary Science/Dairy Science/Agriculture Engineering/Fishery Science/Pisciculture/ Agriculture Marketing and Co-operation from a University recognized by Govt. of India OR Post-graduate in any one of the above disciplines
Salary: 10000-470/6-12820- 500/3-14320-560/7-18240

UTI Bank (Now Axis Bank): Advertised for Bank Agriculture Officer on 31 Jul' 2007:
Age: 25 to 35 years with 2-10 years experience as an officer in reputed bank/ financial institution.
Qualifications: Graduates/ postgraduates from reputed agriculture colleges.

IDBI: Advertised for Agri Business Manager in March 2008
Age: Max 32 years.
Qualification: Graduation (preferably in Agriculture) from a recognized university.
Salary: : Rs.13700-700-20000-EB-700-21400-750-24400.

NABARD is another good employer for those specializing in Agriculture and wanting to join Banking sector.

How to prepare for Bank Agriculture Officers exam?
You can prepare for the exam using available books & online sample paper for Bank Agriculture Officers exam. However, I find that you should take the online sample paper only as an eye-opener and use the books extensively for your preparation. I could find following resources:

Online Sample Paper for Bank Agriculture Officers exam:
Punjab National Bank Agriculture Officers Exam : It has 50 solved question for the exam held on 04/05/2008.

Hope above information on Bank Agriculture Officers and also study materials for Bank Agriculture Officers exam helps you in your preparation for the exam. My next post is on such a recruitment for Bank Agriculture Officer for Bank of Baroda (200 posts), you can find it here!

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