IBPS PO Mains — Descriptive Paper
Twenty-five marks and half an hour, immediately after a three-hour objective paper. It is the least practised part of the mains and one of the most decisive, because the objective section is scored so tightly that these marks move ranks.
The test is typed on screen. Attempt both questions. Word limits are indicated.
- Q1.Write a letter to the branch manager of your bank complaining that an amount was debited for a failed ATM withdrawal and has not been reversed within the prescribed period.(10)150 words
- Q2.Write an essay on the growth of digital payments in India and the risks it carries for the first-time user.(15)250 words
One IBPS PO Descriptive answer, from question to marked report
A real question, an attempt with the weaknesses a real attempt has, and the report an AI examiner hands back — in the marking unit IBPS PO Descriptive genuinely uses. This is the whole product; there is nothing else to sign up for.
Scoped to the paper and topic you pick, at the marks it is genuinely set at.
Write a letter to the branch manager of your bank complaining that an amount was debited from your account for a failed ATM withdrawal and has not been reversed within the prescribed period.
Type it against the clock, the way the real paper is answered.
Marked in place, with every criterion scored.
Respected Sir,? I want to inform you that on 12th of this month I tried to withdraw Rs 10000 from your ATM but the cash did not come out. However the amount was debited from my account. It has been more than 15 days and the money has not come back. Please look into this matter and reverse the amount as soon as possible. Thanking you. I visited the branch on the same day and informed the staff at the counter, and I was told that the amount would come back automatically within a few days. I waited, but nothing has happened so far and I have not received any message from the bank either. I called the customer care number twice and on both occasions I was asked to wait for some more days. Because of this my monthly payments have been affected and I am facing difficulty.
- A subject line — one line, and it is worth marks on every format question
- Account number, ATM ID or location, and the transaction reference
- A specific ask: reversal plus compensation for the delay beyond the prescribed period
Model answer for this question
Open with the recipient block and a subject line: Complaint regarding non-reversal of a failed ATM transaction dated 12 June. Paragraph one, the facts with account number, ATM location, amount, date and reference. Paragraph two, the action taken so far and the period elapsed. Paragraph three, the specific request: reversal and compensation for delay, with a response timeframe. Close with Yours faithfully and your name.
Fast enough to write, read the report and rewrite the same answer in one sitting — which is where the improvement actually comes from.
The scoring behind those pen marks: every criterion, what it was worth, what you earned, and a model answer.
Salutation and a closing are present; no subject line and no address block. This is the cheapest mark on the paper to earn.
Date and amount given; the account number, ATM location and transaction reference are what would let the branch trace it.
Firm and polite, correctly pitched for a formal complaint.
Clean, and comfortably inside the word limit.
IBPS PO Descriptive at a glance
| Conducting body | Institute of Banking Personnel Selection |
|---|---|
| Mode | Typed on screen |
| Papers | 2 |
| Total | 25, in 30 minutes |
| Marking | IBPS PO Descriptive — examiner criteria |
What IBPS PO Descriptive sets
The papers you sit, and what each is worth.
Around 250 words on banking, the economy, technology or a social theme.
A formal letter of around 150 words with a stated scenario and recipient.
- Marked to the IBPS PO Descriptive scheme
- Model answer, every time
- Handwriting read from a photo
- AI viva on any topic
- Full timed papers
- Every attempt kept in your archive
- WriteA question, answered and marked.
- VivaQuestioned on Digital banking & UPI and more.
- Full paperA timed paper, one scorecard.