Getting ready for the SBI CBO? The selection process of this exam consists of four stages: Online Exam, Screening, Interview, and Local Language Proficiency Test. The descriptive paper for SBI CBO is conducted along with the online examination. The section included in the SBI CBO descriptive paper is divided into two: Letter Writing and Essay Writing. In the SBI CBO descriptive paper, there are two questions for 50 marks, and the candidates want to complete the section within 30 minutes. The marks obtained in the Online Written Test, both in the Objective Test and the Descriptive Test, will be added to the marks obtained in the Interview for preparing the final merit list. Scoring well in the SBI CBO descriptive test is more important. To make your preparation more effective, we have provided the SBI CBO Descriptive Paper Topic 2026 for both letter and essay writing.

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SBI CBO Descriptive Paper 2026 - New Pattern

As per the SBI CBO notification, refer to the exam pattern for the SBI CBO descriptive paper 2026

• The online written exam will have an objective test and a descriptive test.

• The Descriptive Test will be administered immediately after the conclusion of the Objective Test, and candidates will have to type their Descriptive Test answers on the computer.

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SBI CBO Descriptive Topics for Letter Writing

In the SBI CBO descriptive papervtest consist of two sections: letter writing and essay writing. Here we have provided the letter-writing topics for the SBI CBO descriptive test and format for writing a letter to maximise your score in the actual exam. The letter writing can be classified into two types: Formal letter, Informal letter

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• Write a formal letter to the CEO of a company, praising their corporate social responsibility efforts and suggesting areas for improvement.

• Write a letter to the local health department addressing concerns about the cleanliness of a public park and suggesting improvements.

• Write a letter to a customer regarding the delay in loan processing and apologise for the inconvenience caused.

• Write a letter to your younger friend who recently got a job, telling him the importance of a retirement pension.

• Write a letter to the editor of a newspaper expressing your concerns about environmental pollution in your city and suggesting solutions.

• Write a letter to a local government official, requesting improvements to public transportation in your area.

• Write a letter to the Head Office seeking approval for the installation of a new ATM in your branch area.

• Write a letter to a customer informing them about mandatory KYC updation and the documents required.

• Write a letter to the Reserve Bank of India seeking clarification on a recent regulatory guideline.

• Write a letter encouraging customers to use digital banking and mobile banking services.

• Write a complaint letter regarding poor customer service at a bank branch.

• Write a letter reporting a cyber fraud incident to higher authorities.

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SBI CBO Descriptive Paper Essay Writing Topics

By practising the repeated Descriptive Paper Topic regularly, the candidates can get the preparation strategies and combine their ideas and thoughts in the actual exam. Here are some of the repeated topics that have been designed by our experts by analysing the recent exam trends.

• Essay about technological advancements during COVID-19.

• Discuss the role of commercial banks in the economic development of India.

• Explain the impact of digital banking on the traditional banking system.

• Why is financial inclusion important for India’s growth? Discuss.

• Examine the challenges faced by Public Sector Banks in India.

• How has the Chandrayaan program impacted India's standing in the global space exploration community?

• What are the major cybersecurity challenges in the banking sector?

• How has UPI transformed the digital payment ecosystem in India?

• Discuss the role of Artificial Intelligence in modern banking.

• Is India moving towards a cashless economy? Explain the opportunities and challenges.

• Why is financial literacy necessary in rural India?

• How will the rising population in India be fruitful in economic development?

• How does skill acquisition through vocational training or apprenticeships differ from traditional education in terms of practicality and application in the workforce?

• Discuss the impact of MSMEs on India’s economic growth.

• Explain the concept of Green Banking and its importance in sustainable development.

• How does inflation affect common citizens and the banking sector?

• Discuss the role of banks in women's empowerment through financial inclusion.

• Why are ethical banking practices important for maintaining customer trust?

• Essay about the impacts of climate change on weather events

• Causes and impacts of unemployment.

Descriptive Letter Writing format for SBI CBO Exams 2026

Here is the exact format of the NACL AO descriptive letter writing for both formal and informal letters. Check and practice with this format to score more marks.

Instructions to Write a Letter for the SBI CBO Descriptive Exam.

The word limit for the descriptive paper is generally 150–200 words. Writing beyond or below the prescribed limit may negatively impact your score, so candidates should avoid unnecessary details and maintain proper length.

A formal letter should always be polite, respectful, and professional in tone. Formal letters are usually addressed to senior officials, reputed organisations, or higher authorities.

An informal letter can have a friendly and personal tone. However, candidates should avoid using slang, overly casual expressions, or inappropriate language even in informal communication. Informal letters are typically written to family members, friends, or relatives.

While attempting the descriptive paper of the SBI CBO exam, candidates must ensure their writing is free from grammatical and spelling errors, as accuracy plays a crucial role in scoring well.

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Steps to Write an Essay for the SBI CBO Descriptive Exam 2026

Essay writing for the SBI CBO descriptive exam, the essay must be well structured, easy to understand, and the candidates should avoid excessive elaboration when writing the essay. The proper format to write the SBI CBO essay for the descriptive exam is given below,

Introduction- Write an appropriate introduction about your title so that the reader can read your full essay and understand your ideas and thoughts.

Body of the essay- This part must contain a detailed explanation, facts about your topic, add some advantages and disadvantages, and keywords related to the topic.

Conclusion- The candidates want to address the summary and review of their essay topic, and give some essential ideas about their essay topic. 

FAQs

Q. How many marks are allotted for the SBI CBO descriptive paper 2026?

The SBI CBO allotted 50 marks for descriptive papers.

Q. How many questions are asked in sbi cbo descriptive paper test?

In SBI CBO, there are 2 descriptive questions: letter writing and essay writing.

Q. How can I score well in the letter-writing section?

To score high: Understand the letter type, use the correct format, maintain proper tone (polite for formal, friendly for informal), write within the word limit, and proofread for grammar and spelling errors before submitting.

Q. How long should my essay be?

Ideally, your essay should be between 150 and 200 words. Focus on being concise, clear, and informative—avoid repetition and over-explaining.