1. Introduction - A Different Kind of Banking Opportunity

Most banking job seekers in India run behind IBPS PO, Clerk, SBI exams, and other mainstream recruitments. But not every meaningful banking career requires competitive written exams. Some roles are designed for experienced professionals who want to continue contributing to society after retirement.

The Central Bank of India Counsellor FLC Recruitment 2026 is one such opportunity.

FLC stands for Financial Literacy Centre - an initiative where banks educate common citizens about savings, credit discipline, government schemes, and financial planning. This job is not about cash counters or sales targets. It is about guidance, mentoring, and community service.

This recruitment is especially important for:

  • Retired bank officials
  • Experienced professionals above 45 years
  • People who want stable post-retirement work
  • Candidates who wish to serve their local community

If you are looking for a typical entry-level banking job, this is not for you. But if you have prior banking exposure and want a respectable contractual role, this opening deserves serious attention.

2. Key Details at a Glance

ParticularDetails
OrganizationCentral Bank of India
Post NameCounsellor - FLC
Total Vacancies5
Mode of ApplicationOffline
Job TypeContractual
Monthly SalaryRs. 25,000 + Rs. 1,000 conveyance
Age LimitAbove 45 years and below 65 years
QualificationGraduate in any discipline
Selection MethodPersonal Interview
Last Date to Apply15 February 2026
Posting LocationsDistricts of Chhattisgarh

3. Post-Wise Eligibility Explained in Simple Terms

Educational Qualification - What It Really Means

Officially, the requirement is:

  • Graduation from a recognized university (any stream)

This means:

  • Arts, Science, Commerce - all are acceptable
  • No minimum percentage requirement mentioned
  • No specialized degree like MBA is mandatory

However, qualification alone is not enough. Practical experience matters more in this role.

Experience Requirement - The Real Filter

The bank clearly prefers:

  • Retired or VRS opted officers of:
    • Nationalized Banks
    • State Bank of India
    • Regional Rural Banks

Other eligible categories:

  • Ex-servicemen with banking/financial knowledge
  • Former government employees like teachers with financial awareness
  • Candidates with relevant IIBF certification

Most important point:
You must have at least 10 years of experience as an officer or permanent employee.

So realistically, this job is designed for:

  • Former bankers
  • Experienced financial sector professionals
  • People who have worked long-term in financial inclusion activities

Age Limit Interpretation

  • Minimum age: Above 45 years
  • Maximum age: Below 65 years

This clearly shows that fresh graduates or young candidates should not apply.

Local Preference Factor

Candidates should ideally be:

  • Residents of the same state
  • Preferably from the same or nearby district

Since FLC work involves local language communication, local candidates have a strong advantage.

4. Selection Process Breakdown

Unlike regular bank recruitments, there is:

NO written exam.

The selection process consists of:

  1. Shortlisting based on eligibility
  2. Personal Interview

What Actually Matters in Shortlisting

Banks look for:

  • Quality of previous service record
  • Banking domain knowledge
  • Communication skills
  • Understanding of local language
  • Ability to train and guide common people

Cut-off marks and competitive exam pressure are not relevant here. Your experience profile is the deciding factor.

5. How to Apply - Step-by-Step Guidance

This recruitment follows a completely offline application process.

Step-by-Step Process

  1. Download the prescribed application format
  2. Fill all details carefully
  3. Attach required documents
  4. Mention on envelope:
    “Application for the post of Counsellor of FLC on contract basis”
  5. Send to the official address:

Address:

Agriculture & Social Banking Dept.
Central Bank of India,
Regional Office Ambikapur,
Dhanjal Complex near Govt Polytechnic College,
Ambikapur, Surguja, Chhattisgarh - 497001

Alternative Submission

You can also drop the application directly in the letter box kept at the above office.

Common Mistakes to Avoid

  • Incomplete application form
  • Missing signature
  • Not attaching service certificates
  • Sending after the deadline
  • Forgetting to mention post name on envelope

Offline applications get rejected very easily for small errors, so be extra careful.

6. Salary, Perks & Career Reality

What You Will Earn

  • Fixed Pay: Rs. 25,000 per month
  • Conveyance Allowance: Rs. 1,000 per month

Total: Rs. 26,000 per month

Important Reality Check

  • No PF
  • No pension
  • No medical benefits
  • No other allowances

This is a purely contractual engagement.

Why People Still Choose This Role

  • Respectable post-retirement engagement
  • Fixed working hours
  • Socially meaningful work
  • No sales pressure
  • No transfers

7. Work Profile - What You Will Actually Do

As an FLC Counsellor, your responsibilities include:

  • Educating villagers about banking
  • Explaining government schemes
  • Financial literacy camps
  • Credit discipline guidance
  • Helping people avoid frauds
  • Basic money management training

This role is more educational and advisory than operational banking.

8. Pros & Cons of This Recruitment

Pros

  • No written exam
  • Stable monthly income
  • Socially respected position
  • Good for retired professionals
  • Limited work pressure
  • Local posting

Cons

  • Low salary compared to regular bank jobs
  • Contractual nature
  • No major benefits
  • Limited career progression

9. Who Should Definitely Apply

This recruitment is ideal for:

  • Retired Scale-I and above bank officers
  • Ex-bank managers wanting part-time engagement
  • Professionals with financial literacy experience
  • Candidates settled in Chhattisgarh districts
  • People interested in community service

Who Should NOT Apply

  • Fresh graduates
  • Young aspirants seeking banking career
  • Candidates without experience
  • Those expecting government-level salary and perks

10. Checklist for Serious Applicants

Before sending application, ensure you have:

  • Filled application in correct format
  • Recent photograph pasted
  • Proof of age
  • Graduation certificate
  • Service certificate
  • Experience documents
  • Identity proof
  • Address proof
  • Properly written envelope

Double-check everything before dispatch.

11. Practical Career Advice

If you are a retired banker feeling disconnected from professional life, this job can be a meaningful second innings.

Do not look at it only as a salary-based role. Look at it as:

  • Knowledge sharing opportunity
  • Community contribution
  • Structured post-retirement routine

However, if you are young and ambitious, focus on mainstream banking exams instead of this recruitment.

12. Conclusion

The Central Bank of India Counsellor FLC Recruitment 2026 is a niche but valuable opportunity. It is not for everyone. It is designed for experienced, mature professionals who want to stay productive and socially relevant.

Apply only if your profile genuinely matches the expectations. Half-hearted applications rarely succeed in such contractual roles.

Frequently Asked Questions

Q1. Is there any written exam for this recruitment?
No. Selection is purely based on interview.

Q2. Can fresh graduates apply?
No. Experience of at least 10 years is mandatory.

Q3. Is this a permanent government job?
No. It is a contractual position.

Q4. What is the exact take-home salary?
Approximately Rs. 26,000 per month.

Q5. Can candidates from other states apply?
Preference is given to local district and state residents.

Q6. Is computer knowledge compulsory?
Yes, basic MS Office and internet skills are expected.

Apply Now

Apply Link: https://centralbank.bank.in