SBI PO Mains — Descriptive Test
SBI weights its descriptive test heavily enough that it cannot be treated as a formality: fifty marks in thirty minutes, typed straight after the objective paper, and marked on format and expression as much as on content.
The test is typed on screen and is evaluated only for candidates qualifying in the objective test.
- Q1.Write an essay of about 250 words: Digital lending has widened credit access but raised new risks for the Indian consumer.(25)250 words
- Q2.Write a formal letter to the head of your bank's operations division suggesting measures to reduce branch waiting times.(25)150 words
One SBI 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 SBI 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 an essay of about 250 words on: Digital lending has widened credit access but raised new risks for the Indian consumer.
Type it against the clock, the way the real paper is answered.
Marked in place, with every criterion scored.
Digital lending has grown very fast in India in recent years. Many apps give loans within minutes without any paperwork. This has helped people who did not have access to banks earlier. Small businesses have also benefited. However there are risks also. Some apps charge very high interest and use unfair recovery methods. Data privacy is also a concern. RBI has issued guidelines to control this.? In conclusion digital lending is good but it should be regulated properly. Cheap smartphones and cheap data have carried the internet into small towns and villages, and payment through UPI has made people comfortable with money on a phone. Lenders read this trail along with other information to judge a borrower who has no credit history and no salary slip, and the loan is sanctioned and disbursed on the same screen within minutes. Shopkeepers, delivery workers and daily wage earners who were never served by a branch can now borrow a small amount for a short period, and small businesses use it for working capital when a payment is delayed. On the other side many borrowers do not read the terms and do not realise that the processing fee and the penalty make the actual cost far higher than the rate displayed. Young borrowers take several small loans at the same time from different apps and are trapped when the repayments fall together. Recovery agents call family members and colleagues, and there have been very sad incidents because of that pressure.
- The RBI digital lending guidelines by name, and one concrete requirement
- A number: the growth of the segment, or the share of small-ticket loans
- The regulated-entity versus unregulated-app distinction, which is the real risk boundary
Model answer for this question
Introduce with the tension in one line, not with background. Paragraph two: the access case — underwriting on alternative data, minutes to disbursal, thin-file and small-ticket borrowers reached. Paragraph three: the risk case — pricing opacity, coercive recovery, data harvesting, and the unregulated-app boundary. Paragraph four: the regulatory response, naming the RBI digital lending guidelines and one requirement. Close with a position, not a summary.
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.
All three present, but the body is a list rather than two developed arguments.
Both halves of the prompt engaged. No data, no named framework.
One block of text. Three paragraphs would make the argument visible at a glance.
Clear and correct; a few sentences are simple where a linking clause would connect the ideas.
SBI PO Descriptive at a glance
| Conducting body | State Bank of India |
|---|---|
| Mode | Typed on screen |
| Papers | 2 |
| Total | 50, in 30 minutes |
| Marking | SBI PO Descriptive — examiner criteria |
What SBI PO Descriptive sets
The papers you sit, and what each is worth.
Around 250 words, usually on banking, the economy or technology.
A formal letter of around 150 words.
- Marked to the SBI 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 Rural banking and more.
- Full paperA timed paper, one scorecard.