Big Relief for Aspirants! Govt Removes 650 CIBIL Score Requirement for Bank (IBPS) Jobs

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There is very good news for banking job aspirants in India. The Government of India has removed the requirement of maintaining a minimum CIBIL score of 650 for bank jobs. Earlier, banks had issued recruitment notifications that made it mandatory for candidates to meet this CIBIL score condition.
Due to this rule, many candidates were unable to apply for bank jobs. Some candidates who had cleared exams and interviews even lost their job offers because their CIBIL score did not meet the requirement. Several candidates also filed cases in court challenging this condition.
Candidates argued that they wanted jobs because they were financially weak. Many had taken loans due to financial hardships, and because of repayment issues their credit score was low. Some also claimed that their CIBIL report contained errors due to mistakes made by the credit bureau.
The matter soon gained traction on social media, where users strongly protested against this requirement. Aspirants highlighted that no other government job in the country required a CIBIL score—so why only banking jobs had such a condition.
The courts, however, observed that banks are financial institutions that deal with public money, and therefore employees must have good financial discipline. According to the court, if a candidate is a loan defaulter, he or she cannot be considered trustworthy to handle public funds. This led to further uproar, and the issue became even more prominent.
Finally, banks have decided to remove the mandatory CIBIL score requirement.
In the Common Recruitment Process (CRP-XIII) for nationalised banks conducted by IBPS in FY 2023–24 for the recruitment of Probationary Officers/Management Trainees and Customer Service Associates, the condition of maintaining a healthy credit history and a minimum CIBIL score of 650 or above was clearly mentioned.
However, from the FY 2024–25 recruitment cycle (CRP-XIV) onwards, this condition has been removed. Now, candidates are only required to ensure that they maintain a healthy credit history at the time of joining the participating banks. The minimum credit score will be as per the policy of individual banks and may be amended from time to time.
Candidates whose CIBIL or other credit reports are not updated before the date of joining will need to either update their status or obtain No Objection Certificates (NOCs) from lenders confirming that no dues are outstanding. Failing this, the job offer may be withdrawn or cancelled, at the discretion of the allotted bank.
In the IBPS PO 2025 Notification, it is clearly stated:
“The candidate applying shall ensure that they maintain a healthy credit history at the time of joining the participating banks. The minimum credit score will be as per the policy of participating banks, amended from time to time. Those candidates whose CIBIL or other similar agency reports are not updated before the date of joining must either get the status updated or produce NOCs from lenders confirming that no dues are pending. Otherwise, the offer of appointment may be withdrawn or cancelled. The final discretion remains with the allotted bank. This clause does not apply to candidates with no bank account. This requirement is not a pre-condition to apply.”
This makes it clear that the earlier rule of maintaining a minimum CIBIL score of 650 has been scrapped. Candidates can now apply freely for IBPS PO Recruitment 2025. This is a major relief for aspirants and a positive step by the banks.