1. Introduction

If you are a Bihar aspirant above 45 years of age and still scanning job notifications with hope, this recruitment will catch your eye immediately. Only 3 posts, offline application, interview-based selection, and a modest fixed salary. At first glance, it looks small. In reality, it reflects a very specific category of Bihar job seekers-retired or near-retirement professionals looking for stability, dignity, and local relevance rather than rank, power, or rapid growth.

This is not a youth-centric recruitment like BPSC, BSSC, or Police exams. It is designed for people who already carry experience, maturity, and local understanding. If you are a young graduate preparing for competitive exams, this is not your battlefield.

2. Key Recruitment Details (Verified Only)

  • Recruiting Authority: Central Bank of India
  • Post: FLC Counsellor (Financial Literacy Centre)
  • Nature of Job: Contractual
  • Total Posts: 3
  • District-wise Posting:
    • Siwan - 1
    • Saran - 1
    • Gopalganj - 1
  • Application Mode: Offline only
  • Application Start Date: 21 January 2026
  • Last Date: 06 February 2026 (by 5:00 PM)
  • Selection Method: Personal Interview only

No written exam. No merit list transparency like Bihar state commissions. This is important to understand upfront.

3. Post-Wise Eligibility - Explained Practically

Educational Qualification

  • Graduation from a UGC-recognized university.
  • Computer literacy (MS Office, Internet).
  • Ability to communicate effectively in the local language.

On paper, this sounds generic. On ground, degree alone is meaningless here.

Experience Requirement (Crucial)

  • Minimum 10 years of experience as an officer or employee.
  • Strong preference for:
    • Retired Scale-I officers from nationalized banks, SBI, or RRBs.
    • Retired government/semi-government employees (teachers, etc.) with banking/finance exposure.
  • Clean service record is mandatory.

Age Limit

  • More than 45 years and less than 65 years (as on 31-12-2025).

Domicile Reality

  • Applicant must be a resident of the same state, preferably the same or nearby district.

Ground truth: If you are not local to Siwan, Saran, or Gopalganj, your chances drop sharply, irrespective of qualification.

4. Application Process - Step-by-Step (Bihar Reality)

  1. Download the application format from the bank’s website.
  2. Fill it manually with extreme care.
  3. Attach self-attested copies of:
    • Age proof
    • Graduation certificate
    • Experience certificates
    • Retirement/service records (if applicable)
    • Address proof
  4. Seal the envelope and clearly write:
    “Application for the post of Recruitment as Counsellor for FLC on Contract Basis”
  5. Submit by post or in person to:
    Regional Manager, Central Bank of India,
    Regional Office, Patel Chowk, Siwan, Bihar - 841226

Common Bihar Mistakes

  • Incomplete experience proof.
  • No clarity in retirement status.
  • Poor handwriting and unprofessional presentation.
  • Missing local address evidence.

Remember: when there is no exam, paperwork and presentation matter more than candidates expect.

5. Salary, Posting & Career Growth - No Illusions

  • Fixed Monthly Pay: ₹25,000
  • Mobile Allowance: ₹1,000
  • No DA, HRA, pension, or medical benefits.

Posting Reality

  • District-level Financial Literacy Centres.
  • Regular interaction with rural population, SHGs, farmers, and small borrowers.
  • Travel within blocks and villages is part of the job.

Career Growth

  • No promotion ladder.
  • Contract-based continuation depends on performance and bank discretion.

This is service-oriented work, not a career-building ladder.

6. Preparation Strategy (Interview-Focused, Bihar-Oriented)

Since there is no written exam, preparation is about relevance, not books.

What You Must Be Ready With

  • Understanding of:
    • Basic banking products
    • Financial inclusion schemes
    • Loan repayment issues common in Bihar
    • Rural financial behaviour
  • Clear articulation in Hindi/local dialect when needed.
  • Demonstrated experience, not theoretical answers.

Practical Preparation Timeline

  • 7-10 days are enough if you are genuinely eligible.
  • Revisit your service history and be ready to explain:
    • How you handled people
    • How you solved problems
    • Why you are suitable for rural financial counselling

7. Pros & Cons (No Sugar-Coating)

Pros

  • Zero application fee.
  • No written exam.
  • Local posting.
  • Respectable role for retired professionals.
  • Low physical strain compared to police or field-heavy roles.

Cons

  • Only 3 vacancies.
  • High discretion in selection.
  • Fixed, relatively low salary.
  • No long-term security.
  • Not suitable for ambitious career growth.

8. Applicant Checklist

Before applying, ensure:

  • Age is within 45-65 years.
  • Graduation certificate available.
  • Minimum 10 years experience proof is solid.
  • Local residence proof is clear.
  • Service record is clean.
  • Willingness to work at district/block level.

If any of these are weak, do not apply casually.

9. Conclusion - Apply or Skip?

Apply only if:

  • You are a retired or senior professional.
  • You belong to or live near Siwan, Saran, or Gopalganj.
  • You value social contribution and stability over growth.

Skip this recruitment if:

  • You are under 40 and preparing for BPSC/BSSC/Police.
  • You expect career progression or higher salary.
  • You are applying just to “stay active in the job market”.

This job rewards fit, not effort.

10. FAQ - Real Student Doubts

Q1. Is there any age relaxation?
No clear relaxation mentioned. Bank discretion applies, but do not depend on it.

Q2. Can a private-sector retired employee apply?
Technically possible, but preference is clearly towards banking and government backgrounds.

Q3. Is interview difficult?
It is not academically difficult, but experience scrutiny is strict.

Q4. Can I apply for multiple districts?
Not clarified. Apply only where you have strong local linkage.

Q5. Is this job comparable to Bihar government posts?
No. It is a bank contract role, not a state government service.