SBI Clerk Answer Key Calculator

About SBI Clerk Answer Key & Score Calculator

Check your State Bank of India (SBI Clerk / Junior Associate) answer key instantly with KeyGuru.in’s free online calculator. Paste your official DigiALM response sheet URL to compute your exact raw marks with official 0.25 negative marking deductions, evaluate subject-wise accuracy across English Language, Numerical Ability, and Reasoning Ability, and estimate your state-wise selection chances for the Main Examination.

State Bank of India (SBI) conducts the national-level SBI Junior Associate Recruitment (Customer Support & Sales) annually to select thousands of clerical personnel across regional bank circles across Indian states and union territories.

SBI Junior Associate Selection Process 2026

Selection to the post of Junior Associate is made through a three-phase process with no interview stage:

• Phase 1 — Preliminary Examination (Screening): A 1-hour computer-based test of 100 questions (100 marks) with strictly enforced 20-minute sectional timings. Marks scored in Prelims are for shortlisting purposes only and are not added to the final merit list.
• Phase 2 — Main Examination (Merit Deciding): An online objective examination of 190 questions (200 marks) spanning 2 hours 40 minutes across four sections. Final merit ranking and circle allotment are determined purely by Mains performance.
• Phase 3 — Local Language Proficiency Test (LPT): Candidates must demonstrate reading, writing, speaking, and understanding skills in the specified opt local language of the State/Circle applied for.

Phase-I: Preliminary Examination Pattern

Official Negative Marking & Cutoff Rules

• ✔ +1.00 Mark is awarded for every correct response in the Preliminary examination.
• ✘ -0.25 Marks (1/4th Penalty) of the marks assigned to that question are deducted for every incorrect response in both Prelims and Mains.
• ➖ 0 Marks for unattempted or unanswered questions (no penalty).
• NO Sectional Cut-Off: State Bank of India does NOT enforce minimum qualifying marks for individual sections. Candidates are shortlisted for Mains purely on the basis of overall aggregate marks in each category.

SBI Clerk State-Wise Cutoff System

Because clerical posts in SBI are circle- and state-specific, separate aggregate cutoff marks are declared for each State/UT based on local vacancies and candidate performance.

Worked Example: How an SBI Clerk Prelims Score Is Calculated

The scoring rule used in every section is: net marks = correct × marks per question − wrong × (marks per question × 0.25). Here is an illustrative candidate (the numbers are an example, not real results):

This candidate attempts 88 of 100 questions and finishes on 63.00 out of 100. The weakest section is Numerical Ability at 55% of its marks, which is the number to watch if a sectional cut-off applies. With no sectional cut-off, SBI shortlists purely on the overall aggregate within each category and state circle, so compare your total with the cut-off for your circle, not the national figure.

How to Check Your SBI Clerk Answer Key Online?

1. Visit the official State Bank of India careers portal at bank.sbi/careers or sbi.co.in/careers.
2. Find the link under "Recruitment of Junior Associates (Customer Support & Sales)".
3. Click on the active notification link titled "Candidate Response Sheet / Evaluation Link for Junior Associate".
4. Enter your Registration Number / Roll Number and Password / Date of Birth to log in.
5. Copy the complete URL from the top browser address bar.
6. Paste the URL into the KeyGuru calculator above and click Analyze SBI Clerk Response Sheet.
7. Your total positive marks, negative penalty deductions, net score out of 100, and section-by-section breakdown will be generated instantly with a single-click PDF export option.

Why Use Keyguru.in for SBI Clerk?

• ✔ Instant, client-side browser evaluation with zero server lag.
• ✔ Pre-configured for the 30 English, 35 Quant, 35 Reasoning Prelims pattern.
• ✔ Accurate 0.25 negative marking mathematics computed to two decimal points.
• ✔ Itemized subject breakdowns and wrong question number listings.
• ✔ High-resolution, zero-margin downloadable PDF scorecard.
• ✔ 100% Free, privacy-safe, and mobile-friendly utility.