EXIM Bank Recruitment 2026: 90 Management Trainee & 30 Manager Posts — Eligibility, Salary (₹25–30 Lakh CTC), Exam Pattern & How to Apply

1. EXIM Bank Recruitment 2026 — Overview of the 120-Post Drive

Export-Import Bank of India (EXIM Bank) has notified 120 officer vacancies under Advertisement No. HRM/MT/M/2026-27/05: 90 Management Trainee (MT) posts across 13 specializations and 30 Manager (Grade/Scale MM-II) posts across 12 specializations. Online applications run from 27 November 2026 to 11 December 2026, and the written examination is tentatively scheduled for December 2026.

This is not the same drive as the one EXIM Bank ran in January 2026. That earlier notice, which opened for applications on 17 January 2026, was for 40 Management Trainees in Banking Operations alone. The November 2026 advertisement is three times larger and covers 25 distinct roles — from Legal and Cyber Security to Trade Finance and Stressed Asset Recovery — across both a fresher track (MT) and an experienced-hire track (Manager). If an AI tool or an older blog post tells you the EXIM Bank MT drive has "40 vacancies" or a "February exam", it is describing the January notice, not this one.

Three facts define this recruitment and separate it from a typical bank officer exam. First, the written test is entirely descriptive (subjective) — there is no reasoning, quantitative aptitude or English objective section. Second, final merit combines the written test and interview at a fixed 70:30 weightage. Third, selected Management Trainees sign a ₹3 lakh service bond that, in practice, commits them to the bank for six years. This guide explains each of these in detail, with worked numbers, so you can decide which post fits you before you pay the fee.

2. About Export-Import Bank of India (EXIM Bank)

Export-Import Bank of India is a wholly Government of India-owned specialised financial institution, set up under the Export-Import Bank of India Act, 1981, that finances, facilitates and promotes India's international trade and investment. Unlike a commercial bank, EXIM Bank does not run retail branches or savings accounts; its work is project exports, overseas lines of credit, buyer's credit, trade finance and support to export-oriented enterprises. That is why its officer roles read like a corporate-finance and trade-finance job description rather than a branch-banking one.

The institution is financially strong. EXIM Bank reported a net profit of ₹4,273 crore for FY2025-26, a 32% rise over the previous year, and handed a dividend cheque of ₹428 crore to the Union Finance Minister. For FY2026-27, the bank's management publicly targeted roughly 10% loan-book growth and a borrowing programme of about ₹99,500 crore. On leadership, the bank's corporate governance filing for the quarter ended 30 September 2026 records that Deputy Managing Director Tarun Sharma assumed additional charge of the post of Managing Director on 10 September 2026, following the tenure of Harsha Bangari.

3. EXIM Bank Recruitment 2026 Important Dates

The EXIM Bank MT and Manager application window is only 15 days long — from 27 November 2026 to 11 December 2026 — and the same last date applies to fee payment. Registration is not complete until the fee is paid online, so an unpaid form on 11 December 2026 counts as no application at all.

One timing detail matters for preparation: if the written test is held in December 2026 as indicated, candidates may have only a few weeks between the application deadline and the exam. Because the paper is descriptive and specialization-based, preparation should start now, not after the call letter arrives.

4. EXIM Bank Vacancy 2026 — Category-Wise and Specialization-Wise

EXIM Bank Recruitment 2026 has 120 vacancies: 90 for Management Trainees and 30 for Managers (MM-II). Reservation for Persons with Benchmark Disabilities (PwBD) is horizontal — 3 MT posts and 1 Manager post — which means PwBD selections are adjusted within the UR, SC, ST, OBC and EWS columns rather than added on top.

Category-wise vacancy distribution

A pattern worth noticing in the MT row: ST (9 posts) outnumbers SC (7 posts), the reverse of the usual central-government ratio of 15% SC and 7.5% ST. This most likely reflects the bank's reservation roster position or carried-forward backlog — our inference, not something the notice explains — but it does mean ST candidates face a comparatively larger share of seats in this drive.

Specialization-wise vacancy breakdown (25 roles)

What the numbers say about your odds

The vacancy matrix is heavily weighted toward finance graduates. Of the 90 MT seats, 61 (Banking Operations, Treasury, Internal Audit, Risk Management and International Relations) are open to an MBA in Finance, International Business or Foreign Trade — about two-thirds of all MT posts. On the Manager side, 25 of 30 posts accept a finance MBA or CA. By contrast, eight specializations have only one or two seats each, so candidates from HR, Administration, ESG, Corporate Communications or Compliance compete for a very small pool, where a single strong rival can decide the outcome.

5. EXIM Bank MT & Manager Eligibility Criteria 2026

Every EXIM Bank MT and Manager post requires Indian citizenship and a minimum of 60% aggregate marks (or equivalent CGPA) in the relevant degrees, with post-graduation completed through a full-time course. Manager posts additionally require at least 4 years of post-qualification experience in a specified domain. Post-graduate degrees earned through distance, online, part-time, open-university or correspondence mode are not accepted.

Management Trainee eligibility by specialization family

Manager (MM-II) eligibility and experience by specialization

Can final-year students apply?

Yes. Candidates who have appeared, or will appear, in their final qualifying examination by May 2027 can sit the written test. The offer of appointment, however, depends on producing proof of the qualification by the joining date fixed by the bank, which cannot be later than 30 June 2027. In practice this window benefits MBA and LLB students of the 2027 graduating batch applying for MT posts; it is of little use to Manager aspirants, who must already have four years of post-qualification experience.

CGPA and grade conversion

If your university awards grades or CGPA and your marksheet does not show an equivalent percentage, you must obtain a letter from the head of the institute or the university's Controller of Examinations stating the conversion formula and the percentage your grade corresponds to. Keep this ready before the interview — not having it is a common reason for disqualification at document verification.

6. EXIM Bank Age Limit 2026 and Age Relaxation

The EXIM Bank age limit, counted as on 1 November 2026, is 21 to 28 years for Management Trainees and 24 to 30 years for Managers (MM-II). Reserved categories receive upper-age relaxation of 5 years (SC/ST), 3 years (OBC-NCL) and 10 years (PwBD, cumulative with category relaxation), and Ex-Servicemen can claim up to 5 years under the DoPT circular dated 8 April 2013.

*Date-of-birth windows are our calculation using the standard banking convention (both dates inclusive). The advertisement states only the age limits, so verify against the application portal once it opens.

The effective age window for Manager applicants is narrow

The Manager post combines an upper age limit of 30 (General) with 4 years of post-qualification experience. A candidate who finishes a 3-year degree at about 21 and a 2-year full-time MBA at about 23 becomes experience-eligible only at about 27. That leaves a realistic window of roughly three years (about age 27 to 30) for unreserved candidates — our estimate for an uninterrupted academic path. OBC, SC/ST and PwBD candidates get a correspondingly wider window because their upper limit is higher.

7. EXIM Bank Salary 2026 — Stipend, Pay Scale and CTC

EXIM Bank Management Trainees receive a stipend of ₹65,000 per month during a one-year training period and are then absorbed as Deputy Managers (Junior Management Grade, JM-I) on a basic pay scale of ₹48,480–₹85,920, with an approximate starting annual CTC of ₹25 lakh. Managers join directly in Middle Management Grade Scale II (MM-II) on ₹64,820–₹93,960, with an approximate starting CTC of ₹30 lakh. Both scales follow the IBA 12th Bipartite Settlement.

How the pay scales progress (increment stages)

The increment counts are derived by our team from the notified figures and assume one increment per year with no promotion in between; in a real career, promotion to the next grade usually happens well before the scale maximum is reached.

Why basic pay looks small compared to CTC

A ₹25 lakh CTC works out to about ₹2.08 lakh per month, of which the starting JM-I basic of ₹48,480 is only around 23%. For the Manager post, ₹30 lakh CTC is about ₹2.5 lakh per month against a basic of ₹64,820 (around 26%). The gap is made up of dearness allowance, other allowances and perquisites, employer retirement contributions, and the monetised value of benefits such as residential or leased accommodation and concessional loans for housing, vehicle, computer and children's education. The bank quotes CTC as an approximate figure, so the actual in-hand amount will be noticeably lower than CTC divided by 12.

First-year earnings for a Management Trainee

During the training year, the stipend totals ₹7.8 lakh (₹65,000 × 12). The jump to roughly ₹25 lakh CTC happens only on absorption as Deputy Manager after successful completion of training — which is why the training-year bond terms in the next section matter.

8. Service Bond, Posting and Training Conditions

Every selected candidate signs a personal bond of ₹3 lakh at joining. For a Management Trainee, the bond covers one year of training plus at least five years as Deputy Manager — a six-year commitment in total. For a Manager, the bond covers a minimum service period of three; the advertisement omits the unit, but "three years" is the natural reading.

To put the bond in perspective: ₹3 lakh is equal to about 4.6 months of the MT stipend. A trainee who leaves during or soon after the training year to join, for example, a private bank or a corporate finance role would owe an amount comparable to nearly half a year's stipend. Candidates who are also sitting for RBI Grade B, SEBI Grade A, NABARD or campus placements should weigh this before accepting an EXIM Bank offer.

Candidates already in employment must produce an original relieving letter or discharge certificate from their current employer at the time of joining; without it, the bank will not allow them to join. Experienced Manager applicants serving long notice periods should plan their resignation timing around this requirement.

9. EXIM Bank Application Fee 2026

The EXIM Bank application fee is ₹600 for General and OBC candidates. SC, ST, PwBD, EWS and all women candidates pay no application fee and are charged only ₹100 as intimation charges. The fee is non-refundable, including when a candidate is later found ineligible.

Payment is online only, through debit cards (RuPay, Visa, MasterCard, Maestro), credit cards, internet banking, IMPS, cash cards or mobile wallets. Bank transaction charges are borne by the candidate. The EWS concession here is more generous than in many bank officer recruitments, where EWS candidates pay the same fee as General candidates.

10. EXIM Bank Selection Process 2026 — How the 70:30 Merit Works

The EXIM Bank MT and Manager selection process has two stages: a descriptive written test and a personal interview. The final merit list gives 70% weightage to the written test (out of 100) and 30% weightage to the interview (out of 100). There is no sectional cut-off in the written test.

Worked example: can a strong interview overturn a written-test lead?

Under the 70:30 formula, one written-test mark is worth 0.7 points and one interview mark is worth 0.3 points. So every written mark is worth about 2.33 interview marks. The table below shows two hypothetical candidates.

Candidate B trailed by 8 written marks (5.6 weighted points) and needed at least 18.7 extra interview marks to catch up; scoring 20 more in the interview put B ahead by just 0.4. In other words, the written test does most of the ranking work, but the interview carries enough weight to change the order between closely placed candidates — especially in specializations with only one or two seats. These are illustrative numbers, not past cut-offs.

Pre-recruitment training for reserved categories

EXIM Bank will organise pre-recruitment training for candidates from reserved categories who opt for it in the online application form. The mode (online or offline) and details are shared after registration closes. You cannot opt in later, so tick the option while filling the form if you want it.

11. EXIM Bank MT & Manager Exam Pattern 2026 (Descriptive Paper)

The EXIM Bank MT and Manager written test is a single Professional Knowledge – Subjective paper of 100 marks lasting 2 hours 30 minutes. Part I is a compulsory question or case study worth 40 marks, and Part II requires answers to any 6 of 8 questions for 60 marks. All questions are based on the specialization you choose in the application.

What makes this paper different from other bank specialist-officer exams

Many bank specialist-officer exams, such as IBPS SO, test candidates through objective multiple-choice sections. The EXIM Bank paper has no objective component at all: every mark comes from written, specialization-specific answers. That rewards candidates who can structure an argument, cite the right regulation or rule, and work through a case — and it penalises candidates who rely on mock-test speed. Note also that EXIM Bank states it will compare answer patterns across candidates to detect copying, and can cancel candidature if similarity suggests answers were shared.

Suggested time plan for 150 minutes

The advertisement does not state per-question marks in Part II; the 10-mark assumption above simply divides 60 marks by 6 answers. Candidates using a scribe, and candidates with qualifying locomotor or visual disabilities, receive 20 minutes of compensatory time per hour — 50 extra minutes on a 2.5-hour paper — but only if they register for it in the application form.

Topics to expect by specialization (editorial guidance)

For Banking Operations and Credit Appraisal, expect working-capital and term-loan appraisal, financial ratio analysis, project finance and EXIM Bank's own products such as lines of credit and buyer's credit. Trade-finance Managers should prepare ICC rules — UCP 600 for documentary credits, URDG 758 for demand guarantees and ISBP — along with FEMA and RBI export-import regulations. Legal candidates should cover contract law, the Insolvency and Bankruptcy Code 2016 and SARFAESI; Compliance candidates should cover SEBI LODR obligations for high-value debt-listed entities. This list is our guidance based on the experience requirements in the advertisement, not an official syllabus.

12. How to Apply for EXIM Bank Recruitment 2026

Apply for EXIM Bank Recruitment 2026 online only, through the careers page at eximbankindia.in, between 27 November and 11 December 2026. Before you start, prepare four scanned files — photograph, signature, left thumb impression and a handwritten declaration — in the exact sizes listed below, because the form will not register without all four.

Document scan specifications

All files must be JPG or JPEG. Scan at a minimum of 200 DPI in true colour, crop to the edge of the image, then resize. The handwritten declaration must reproduce the exact text given in the advertisement — in substance, a statement in your own name that all information in the form is correct, true and valid and that you will present supporting documents when required. Copy the wording from the official notice, not from a third-party site.

Step-by-step application process

13. Fine Print and Common Mistakes That Can Cost You the Application

Most EXIM Bank applications that fail do so on documents and dates, not on exam performance. The table below lists the conditions in the advertisement that are easiest to miss, with what goes wrong and how to avoid it.

Ambiguities in the notification worth clarifying

We found five points where the advertisement's own wording is unclear. Raise them with the bank or check the application form's dropdowns before relying on them:

• Finance specialization wording: For most finance-route posts, the notice accepts an MBA in Finance, International Business or Foreign Trade, but the next sentence says the PG should carry "a specialization in Finance". Candidates with an IB or Foreign Trade MBA should confirm the form accepts their specialization.
• Legal marks: For a regular LLB, the requirement is 60% in graduation "and/or" LLB — it is not clear whether both are needed. Assume both until the bank clarifies.
• Manager bond period: The clause states a minimum service period of "3" without a unit; three years is the likely meaning.
• PwBD allocation: The notice says one vacancy each is reserved in four disability categories, while the tables show 3 MT and 1 Manager PwBD vacancies — four in total across both posts, not four per post.
• ESG and Compliance MT: These posts do not repeat the "3-year full-time graduation" condition, and Compliance MT needs no PG at all — check that the form doesn't apply the generic rule.

14. Exam-Day Rules, ID Proof and PwBD Guidelines

On exam day, EXIM Bank candidates must report before the time on the call letter, carry the call letter with an original photo ID and a photocopy of it, and expect to spend about four hours at the venue even though the paper itself lasts 2.5 hours. Late arrivals are not admitted.

Accepted and rejected ID proofs

• Accepted: PAN card, passport, permanent driving licence, voter ID, bank passbook with photograph, Aadhaar or e-Aadhaar with photograph, employee ID, Bar Council ID with photograph, a valid college or university ID, or photo identity on official letterhead from a Gazetted Officer or a People's Representative.
• Not accepted: Ration card and learner's driving licence.
• The name on the ID must match the name on the call letter exactly.

Exam centres and travel

• Written test cities: Chennai, Guwahati, Kolkata, Mumbai and New Delhi. The bank may cancel or add centres, or allot a different centre.
• Requests to change centre, date or session are not entertained.
• Interviews are held in Mumbai and/or New Delhi; candidates travel at their own cost and risk.

Guidelines for PwBD candidates

• Candidates whose writing speed is permanently affected may bring their own scribe, at their own cost. The scribe must not be a candidate in the same exam and can assist only one candidate.
• Scribe users, candidates with locomotor disability or cerebral palsy affecting the writing hand (minimum 40% impairment), and visually impaired candidates (minimum 40%) get 20 minutes of compensatory time per hour.
• Visually impaired candidates may opt for magnified-font question papers.
• Compensatory time is system-based and given only to candidates who registered for it in the application.
• A PwBD certificate issued under the Rights of Persons with Disabilities Rules, 2017 must be produced at the written test and interview.

Misconduct and unfair means

Carrying a mobile phone or other communication device, impersonation, sharing or reproducing exam content, or furnishing false information can lead to disqualification, a temporary or permanent debarment from EXIM Bank exams, criminal prosecution, and termination of service if the misconduct is discovered after joining. Any legal dispute arising from this advertisement falls under the exclusive jurisdiction of courts in Mumbai.

15. Frequently Asked Questions

Below are the most commonly asked questions about EXIM Bank Recruitment 2026. If your question is not answered here, refer to the official advertisement HRM/MT/M/2026-27/05 or the EXIM Bank careers page.

16. Important Links

Frequently Asked Questions (FAQs)