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Bank exam score calculator
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In a bank exam you score each correct answer at the question's marks and lose one-fourth of those marks for every wrong answer, while unattempted questions score zero. The calculator below does this section by section. Pick an IBPS PO, IBPS Clerk (CSA), IBPS RRB or SBI PO 2026 pattern, or type your own sections, then enter your correct and wrong answers.
How the calculator works
Marks per question are the section's marks divided by its questions. A section score is correct answers × that figure, minus wrong answers × that figure × the penalty. The default penalty is 0.25, one-fourth of the marks assigned to the question, which is what the 2026 notifications for SBI PO, IBPS CSA and IBPS RRB state. For IBPS PO, confirm the penalty in the notification and change the box if it differs.
Marks per question are not always 1. In IBPS PO prelims, Quantitative Aptitude has 35 questions for 30 marks, so the tool asks for section marks, not marks per question.
Patterns built in
| Pattern | Sections (questions / marks) | Total |
|---|---|---|
| IBPS PO prelims | English 30/30, Quant 35/30, Reasoning 35/40 | 100 questions, 100 marks |
| IBPS PO mains (objective) | Reasoning 40/60, General/Economy/Banking Awareness 50/60, English 40/20, DA&I 40/60 | 170 questions, 200 marks |
| IBPS CSA prelims | English 30/30, Numerical 35/35, Reasoning 35/35 | 100 questions, 100 marks |
| IBPS CSA mains | General/Financial Awareness 40/50, English 40/40, Reasoning 40/60, Quant 40/50 | 160 questions, 200 marks |
| IBPS RRB prelims | Reasoning 40/40, Numerical or Quant 40/40 | 80 questions, 80 marks |
| SBI PO prelims | English 40, Quant 30, Reasoning 30 | 100 questions, 100 marks |
| SBI PO mains (objective) | Reasoning and Computer Aptitude 40/60, DA&I 30/60, General/Economy/Banking Awareness 60/60, English 40/20 | 170 questions, 200 marks |
The SBI PO 2026 advertisement gives 100 marks for prelims with no section split, so the tool treats each question as 1 mark. Descriptive papers are marked separately and are not included. Our guides cover each pattern: IBPS PO, IBPS Clerk and SBI PO.
Worked examples
Example 1: IBPS CSA prelims.
| Section | Correct | Wrong | Calculation | Score |
|---|---|---|---|---|
| English (30) | 24 | 4 | 24 − 4 × 0.25 | 23 |
| Numerical Ability (35) | 28 | 5 | 28 − 5 × 0.25 | 26.75 |
| Reasoning (35) | 30 | 3 | 30 − 3 × 0.25 | 29.25 |
| Total | 82 | 12 | 79 out of 100 |
Example 2: SBI PO prelims. English 32 correct and 6 wrong gives 30.5. Quant 18 correct and 8 wrong gives 16. Reasoning 22 correct and 5 wrong gives 20.75. The total is 67.25 out of 100.
Example 3: unequal marks. In IBPS PO prelims, Quant is worth 30/35 = 6/7 of a mark per question. With 20 correct and 6 wrong, the score is 20 × 6/7 − 6 × 6/7 × 0.25 = 15.86. Add English 20.75 (22 correct, 5 wrong) and Reasoning 27.43 (25 correct, 4 wrong) for a total of 64.04.
Sectional cut-offs and mock scores
IBPS PO and CSA prelims have a sectional cut-off in each of the three tests, decided by IBPS, so a strong total with one weak section can still fail. SBI PO prelims have no sectional cut-off. That is why the tool shows section scores and not only the total.
A mock score is an estimate: IBPS normalises scores across sessions and cut-offs change every cycle, so we give no target score. The mock test strategy guide shows how to turn mock scores into a plan. PrepMatic mock tests apply negative marking where the exam has it and can be focused on your weak subjects.
Frequently asked questions
What is the negative marking in bank exams?
For SBI PO, IBPS CSA and IBPS RRB 2026, one-fourth of the marks assigned to the question is deducted for each wrong answer. The tool defaults to that and lets you change it.
Is there a penalty for unattempted questions?
No. The deduction is for wrong answers, and unattempted questions score zero.
Does the calculator include the descriptive paper?
No. IBPS PO mains has a 25-mark descriptive paper and SBI PO mains has a 30-mark Communication Skills paper. Both are marked separately.
Official sources
Patterns change between cycles. Confirm marks and penalties in the notification for your exam.
Know which section is costing you the cut-off
Take a free bank-exam assessment on PrepMatic. It shows where you stand in Quant, Reasoning and English, then builds a daily study plan and mock tests focused on your weak subjects.
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