1. Introduction - A Different Kind of Banking Opportunity

When most Indian job seekers hear “bank recruitment,” they immediately think of IBPS PO, SBI Clerk, or competitive exams with lakhs of applicants.
But this notification from Central Bank of India for Counselor - Financial Literacy Centres (FLCs) is not a regular fresher-level banking job. It is a specialized, experience-oriented role meant primarily for retired banking professionals and mature candidates.

This recruitment matters because:

  • It offers a second career opportunity for retired bank employees.
  • It focuses on financial literacy and community-level banking guidance.
  • Selection is based on interview, not competitive exams.
  • It is a stable contractual role with social impact.

If you are an experienced professional looking for meaningful post-retirement work rather than a high-pressure target job, this opening deserves serious attention.

2. Key Details at a Glance

ParticularDetails
OrganizationCentral Bank of India
Post NameCounselor for FLC
Total Vacancies3
Mode of ApplicationOffline
Job LocationMadhya Pradesh (Balaghat, Chhindwara, Pandhurna)
Minimum QualificationGraduate in any discipline
Age LimitAbove 45 years and below 65 years
Selection ProcessPersonal Interview
Last Date to Apply21 February 2026

3. Post-Wise Eligibility Explained in Simple Terms

This job is not meant for fresh graduates.

What the Qualification Actually Means

Official requirement says:

  • Must be a graduate in any discipline
  • Computer literacy is mandatory
  • Basic knowledge of MS Office and internet
  • Proficiency in local language

But the real practical eligibility lies in the experience criteria.

Who is Actually Suitable?

You are an ideal candidate if you fall into any of these categories:

  • Retired bank officer (Scale I and above) from:
    • Public Sector Banks
    • State Bank of India
    • Regional Rural Banks

OR

  • Ex-serviceman with banking/financial services knowledge

OR

  • Retired government employee (like teachers, officers) who have completed relevant IIBF certification

Experience Requirement

  • Minimum 10 years of experience as an officer/permanent employee
  • Clean service record
  • Must be a resident of the same state (preferably same district)
  • Strong communication skills in the local language

Age Limit Reality

  • Minimum: 45 years
  • Maximum: 65 years

This clearly indicates the role is designed for experienced, mature professionals - not for young banking aspirants.

4. Selection Process Breakdown

Unlike regular bank recruitments, there is:

  • No written exam
  • No online test
  • No prelims or mains

Only One Stage: Personal Interview

Selection will be based purely on:

  • Professional experience
  • Communication skills
  • Understanding of banking and financial literacy
  • Local language proficiency
  • Overall suitability for community-level financial counseling

Practical Insight

Central Bank of India is looking for people who can:

  • Guide villagers and common people about banking
  • Educate them on savings, loans, digital banking
  • Act as a bridge between bank and public

So your real-world knowledge will matter more than certificates.

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

This is an offline application process, which means extra care is required.

Step-by-Step Walkthrough

  1. Download the prescribed application format (Annexure-A) from official website

  2. Fill the form carefully in clear handwriting or typed format

  3. Attach all required documents

  4. Superscribe envelope properly with:

    “Application for the post of Recruitment as Counselor of FLC on contract”

  5. Send the application to:

Regional Head
Central Bank of India
Regional Office, Chhindwara
Near Panjab Bhavan, Chitnavis Ganj
Narsinghpur Road, Chhindwara
Pin - 480002

You can submit:

  • By post
  • Or directly by hand delivery

6. Salary, Perks & Career Reality

What You Will Actually Earn

The salary structure is practical and transparent:

  • Maximum: Rs. 25,000 per month
  • Plus: Rs. 1,000 per month for mobile and conveyance

For retired bank officials:

  • Payment = Last drawn salary - pension
  • Or Rs. 25,000
  • Whichever is lower

Important Reality

  • No additional allowances
  • No DA, HRA, or other benefits
  • Purely contractual role
  • Social-service-oriented position

This is not a high-paying corporate job.
It is a respectable, stable, post-retirement engagement.

7. Preparation Strategy - Interview Focused

Since there is no written exam, preparation must be very different from IBPS-style studies.

What to Prepare Instead

Focus on:

  • Financial inclusion schemes
  • PMJDY, PMFBY, Mudra loans
  • Digital banking awareness
  • Rural banking concepts
  • Customer grievance handling
  • Local economic conditions

Likely Interview Areas

  • Your past banking experience
  • Handling of customers
  • Knowledge of government schemes
  • Communication in local language
  • Ability to conduct financial literacy camps

8. Pros & Cons - Honest Analysis

Pros

  • No competitive exam pressure
  • Respectable community role
  • Fixed working hours
  • Ideal post-retirement engagement
  • Low stress compared to branch banking

Cons

  • Limited salary
  • Contractual nature
  • No major career growth
  • Location-specific posting

Competition Reality

Since vacancies are only 3, competition will be limited but quality-driven. Only experienced candidates will apply.

9. Checklist for Serious Applicants

Before applying, ensure you have:

  • Graduation certificate
  • Proof of retirement/service
  • Experience certificates
  • Identity and address proof
  • Recent passport size photo
  • Filled application format
  • Proof of local residence
  • Computer literacy proof (if any)

Common Mistakes to Avoid

  • Incomplete application
  • Missing signature
  • Not attaching service record
  • Sending after last date
  • Wrong address on envelope

10. Final Words of Career Advice

This recruitment is not for everyone.
But for the right candidate, it is a golden opportunity.

If you are:

  • Recently retired
  • Want to stay professionally active
  • Interested in social impact
  • Comfortable with moderate income

Then this role is perfect for you.

Do not compare it with PO or Clerk jobs.
Think of it as a respectable second innings in banking.

11. Frequently Asked Questions

Q1. Can a fresh graduate apply?
No. This role is meant for experienced and preferably retired professionals.

Q2. Is there any written exam?
No. Selection is only through interview.

Q3. Is there any application fee?
No application fee.

Q4. Is this a permanent job?
No. It is a contractual appointment.

Q5. Can candidates from other states apply?
Preferably candidates from the same state/district are required.

Apply Now

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