Get the Top 50 Essay Topics for SBI CBO 2025 Descriptive Paper along with model answers and tips to write impactful essays. Improve your score with relevant, banking-focused topics and current affairs coverage.
The Descriptive Paper in the SBI Circle Based Officer (CBO) 2025 exam is a critical component that tests your writing ability, banking knowledge, and awareness of current issues. It consists of Essay Writing (1 question for 25 marks) and Letter Writing (1 for 25 marks). To help you score high in the descriptive section, we’ve compiled 50 most probable essay topics along with model answers, writing tips, and a free PDF download link.
| Section | Marks | Time |
|---|---|---|
| Essay Writing | 25 | |
| Letter Writing | 25 | 30 minutes (combined) |
Use formal tone and maintain clear structure: Introduction, Body, Conclusion
Word limit: ~250 words
Use banking terms and examples where applicable
Avoid spelling/grammar mistakes
Stay updated with current banking & economic issues
Role of RBI in maintaining financial stability
Digital Banking in India – Progress and Challenges
How UPI revolutionized India’s payment system
Financial Literacy in Rural India
Importance of Customer Service in Banking
Cybersecurity in Banking Sector
Non-Performing Assets – Causes and Control Measures
Role of Banks in Financial Inclusion
Evolution of Core Banking Solutions
Merger of Public Sector Banks – Pros and Cons
RBI’s Monetary Policy and its Impact on Inflation
Budget 2025: Key Highlights for Banking Sector
The Future of Cryptocurrency in India
Green Finance and Sustainable Banking
Artificial Intelligence in Indian Banks
Impact of Global Recession on Indian Economy
Role of Banks in Startup Ecosystem
Make in India and the Role of Financial Institutions
G20 Summit Outcomes and India’s Financial Diplomacy
India’s Digital Public Infrastructure
Women Empowerment through Banking Initiatives
Financial Education as a Tool for Poverty Reduction
Unemployment Among Educated Youth – Solutions
Role of Banks in Agriculture Development
Cashless Economy – Is India Ready?
Climate Change and its Financial Implications
Skill India Mission – Role of Financial Institutions
Importance of Insurance Awareness
Education Loans and Rising Student Debt
MSMEs and Bank Credit in Post-Covid India
Importance of Ethics in Banking
Integrity and Accountability in Public Services
Social Media – Boon or Bane for Professionals
Time Management is the Key to Success
Work-Life Balance in Banking Industry
Leadership vs Management
Importance of Emotional Intelligence at Workplace
Mental Health Awareness among Employees
Role of Youth in Nation Building
Volunteerism and Community Banking
Financial Scams – How Can Banks Prevent Them?
Cyber Fraud and Customer Awareness
The Rise of FinTech – Threat or Opportunity?
Unified Payments Interface: Future Scope
Impact of AI Chatbots in Banking
Role of Blockchain in Modern Banking
Importance of KYC in Preventing Money Laundering
GST and Its Impact on Small Businesses
Role of Public Sector Banks in Nation Building
Future of Banking Jobs in the Age of Automation
Topic: Digital Banking in India – Progress and Challenges
Essay:
Digital banking has transformed the Indian financial ecosystem by enabling faster, transparent, and cost-effective services. Initiatives like UPI, IMPS, and mobile wallets have revolutionized fund transfers. Government campaigns like Digital India and Jan Dhan Yojana have pushed financial inclusion through technology.
However, the path isn’t free from challenges. Poor internet connectivity, lack of awareness in rural areas, and rising cyber fraud incidents pose hurdles. Strengthening cybersecurity frameworks and increasing digital literacy are essential.
In conclusion, digital banking holds immense potential for inclusive growth, provided infrastructural and regulatory gaps are addressed proactively.
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Q1. How many essays are asked in SBI CBO descriptive paper?
Only one essay is to be written.
Q2. How many marks are assigned to the essay?
The essay carries 25 marks.
Q3. What is the word limit for essay writing?
Approximately 250 words.
Q4. Are essay topics banking related?
Yes, mostly based on banking, economy, and current affairs.
Q5. Is the essay typed or handwritten?
The essay is typed on the computer.
Mastering the essay section in SBI CBO 2025 can give you a clear edge in the final merit list. Choose from these top 50 trending and expected topics, practice regularly, and improve your writing style and clarity. Whether it’s banking reforms, digital transformation, or current economic challenges, your perspective must be crisp, factual, and balanced.
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