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Descriptive Test Tips – Formal Letter Writing Formats for SBI Bank PO Exam 2015

Descriptive Test is a essential segment of the SBI PO Exam for the following reasons:-

i) Descriptive Test is for 50 marks.
ii) You need to qualify in Descriptive Test to be called for Group Discussion and Interview.

Why is Descriptive Test Required
Banking Officer has to write letters, reports, express views to senior management, therefore the purpose for descriptive test is to verify the English language proficiency of candidates.

Descriptive Test of English Language can contain questions from the following categories
Letter Writing
Comprehension Reading
Short Précis
Essay Writing
Paragraph Writing

We will try to help candidates with various letter writing formats, you may be asked to write a letter to Bank Manager for Account Closure, Transfer, Net Banking Application etc.

Today we will list down some Formal Letter Formats

1. Write an application for opening Saving Account / Current Account / Fixed Deposit Account.
The Manager
XYZ Bank
Bandra West Mumbai
05th May 2015

Sir,
You are requested to open a Savings Account / Current Account / Fixed Deposit Account in my name in the books of the bank.
I agree to comply with and be bound by the bank’s rules in force from time to time for the conduct of such accounts. A specimen of my signatures is given overleaf.

Also kindly provide me a cheque book and pass book.

Full Name
Occupation and Address Telephone No.,

Introduced by (signature and address)
(In the case of Savings Account & Current Account only)

Instructions, if any
(Signature)

2. Write a letter for a Joint Account opening form for Savings Account.

05th May 2014
The Manager,
XYZ Bank,
Bandra West Mumbai

Sir,
We, the undersigned…..hereby request you to open a Savings Account to be called…..in the books of the bank.
We also request and authorise you to honour all cheques or other orders which may be drawn on the said joint account kept by us with you or on our behalf signed by the former or survivor and to debit such cheques or orders to our account with you.
In the life time of the former all money now or hereafter standing to our credit in our account with you shall belong to the former, and he shall have full control of any money then and thereafter standing to our credit in our account with you shall belong to the survivors.
These instructions are irrevocable and the bank will not act on any notice or instructions given by any of us singly. We agree to comply with and be bound by the bank’s rules for the time being in force for conduct of such accounts.

Please furnish us with a cheque book and a pass book.

Note: our specimen signatures as under:

Yours Faithfully

Occupation and Address
Telephone No. (If any)
Introduced by (Signature and Address)

3. Write a letter to the Bank enquiring about Bank Balance.
Netkey Solutions
Bandra East – 110002
05th May 2015

Ref. No. DLA-1888

The Manager,
ABC Bank,
Bandra West,

Sub: Credit Balance – Current Account No. 2222 – Netkey Solutions

Sir,
Kindly inform the bearer, Mr. Nitin, our Accounts Assistant, our credit balance as of today.

Thanking you
Yours faithfully
M.D.

4. Write a letter on behalf of Bank requesting the client to clear Dues to Locker.

Suvidha Bank Ltd
K – 232, Bharat Nagar
Delhi – 110092
05th May 2015

Mr. Kamal Kumar
38 New Market Delhi
Reminder

Sir
Reg. Your Locker No.78 hired on 13.04.2012
Please refer to our letter No. 328 dated 12th March 2015, which seems to have escaped your attention.
You are kindly requested to remit Rs. 500/- the rent due from 13.04.2015 to 12.04.2016, against the above locker charges.
We may invite your attention to Rule No. 28 of the terms and conditions of the contract, in this respect.
You may kindly note that you may be inconvenienced, if refused access to the locker on account of arrears of rent.

Thanks
Yours Faithfully
Manager

5. Write a letter to the Bank requesting for Overdraft facilities.

XYZ
Panchsheel Park New Delhi
05th May 2015
Ref No. DLC/48

The Manager Bank of Commerce Daryaganj New Delhi

Sir,
We are having a Current Account bearing No. 284
Our monthly turnover is about Rs. 80 lakhs and never has amount been overdrawn against our correct account. Also, not a single cheque of ours has been returned over since we opened an account with you about nine years ago.
We need additional funds of Rs. 2 crore, as we are planning to enter into the export market. We have been able to raise Rs. 1 crore from our friends and acquaintances but we still need Rs. 2 crore and hence we request you for an overdraft facility of this amount.
We are enclosing a photocopy of our assessment for the previous year and copies of balance sheet and profit and loss account for the last three years for your perusal.
We shall undertake to mortgage our stock which is always worth Rs. 2 crore and above.
We look forward to an expunctions response.

Thanking you
Yours faithfully
XYZ Manager

*****

Please Note:
Formal letters should be short and to the point.
Do not write long letters, avoid spelling mistakes and be clear.

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Aparna

MBA HR, who likes to help people search suitable career opportunities and provides career guidance to freshers, mostly in banking sector. I also specialize in resume writing that land interviews for Middle Level and Junior Level Executives who want to differentiate themselves in a competitive market.

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