Two types of letters are generally asked in descriptive paper of competitive

exams.

1. Formal letters: Letters written to bank manager, a company,

government officials, editor of a newspaper, member of a political
party, business partner, employee, etc.

2. Informal letters: Letters written to a relative, parents, brother or

sister, a friend, a teacher/mentor (thanksgiving).
 What is a Formal Letter?
Any kind of communication that is official can be carried out by sending a
formal letter. There are many types of letters that are written for formal
purposes. Some of them are as follows:

• Recommendation letter,
• Apology letter,
• Job application letter,
• Invitation letter,
• Enquiry letter,
• Complaint letter,
• Letter to editor, etc.
Letter - write a letter to to your Bank's branch manager about some fraudulent
transactions being done from your account.
Steps involved in writing a formal letter

1. Sender’s address: It is to be written on the top left hand side of the page. It
will include a street address, city, state, PIN code and if you are representing a
company, write the company‘s address.
1277, B Block,
Friends Colony,
Delhi 305001
2. Date:
November 25, 2023
1277, B Block,
Friends Colony,
Delhi 305001

November 25, 2023

3. Recipient’s address: It should be written one line underneath the date. Include
his or her title: for example Dr., Ms., Miss, Mrs., Mr., etc. Write the recipient‘s job
title under his/her name. Below the name, write the name of the company
(if provided). One line below that, write the recipient‘s street address followed by
his/her city, state, and pin code.

The Manager,
State Bank of India,
Delhi 305001

4. Subject: Summarises the intention of the word.

1277, B Block,
Friends Colony,
Delhi 305001

November 25, 2023

Subject: Necessary actions against fraudulent transactions from account.

5. Salutation: Salutation is an important part of the letter. Don‘t be friendly, while
adding the salutation. Dear Sir or Madam will do.
Dear Sir,

Or

Dear Ma’am,
a)
1277, B Block,
Friends Colony,
Delhi 305001
November 25, 2023
The Manager,
State Bank of India,
Delhi 305001
Subject: Necessary actions against fraudulent transactions from account.
Dear Sir,
6. Body of the letter: The body of the letter need not be more than three
paragraphs.

7. Signing off:

Thank You.
Yours sincerely,
XYZ
a)
1277, B Block,
Friends Colony,
Delhi 305001

November 25, 2023

The Manager,
State Bank of India,
Delhi 305001

Subject: Necessary actions against fraudulent transactions from account.

Dear Sir,
I am an account holder in your bank for the last ten years and I am writing this letter to bring to your notice some
fraudulent transactions being done from my account. Yesterday, at about 6 pm, I received a couple of text messages citing;
"Rs 3500 and Rs 10,000 has been debited from my account" which took me by surprise as I have my ATM and other sensitive
details with me and have never shared with anyone.
With this letter, I have also attached my account no, concerned transactions details, account balance status. I request you to
look into the matter and take swift actions to recover the money lost and I'll be looking forward to the same being credited
in my account. Your promptness in this regard will be highly appreciated.

Thank you.
Yours sincerely,
XYZ
• The letter related to Loan; to inform the customer about his or her not being eligible for the loan.

• Write a Letter to your friend encouraging and advising him to plan his own start-up.

• Write a letter to the Road Transport Authority expressing your concern over the usage of high-beam LED
lights in bikes and cars.

• Write a letter to the branch manager requesting him to block your credit card as you’ve lost it and ask him
to issue you a new card.

• Write a letter to your neighbor thanking them for their help in your hour of need.

• Write a letter to the editor on types of pollution and how to reduce it.

• Write a letter to the editor of a newspaper expressing your concern on the state of elderly living alone by
themselves. Request the government to take some initiatives to help the senior citizens living alone.

• Write a letter to your bank’s branch manager informing him that your EMI installment of Rs. 3000 has
been deducted instead of Rs. 2000. Request him to take the necessary action to roll back the transaction
or adjust the amount.
1277, B Block,
Friends Colony,
Delhi 305001

November 25, 2023

Dear (Name),

Lots of love.
Your brother,
XYZ
Letter Writing: Recently the results of 10th board exams were released. Your friend's son who appeared in the examination has scored good
overall marks but average in science. Your friend wants his son to choose the science stream against his wish. Write a letter to your friend
convincing and guiding him to allow his son choose the right stream after class 10th.

a)
1277, B Block,
Friends Colony,
Delhi 305001
November 25, 2023
Dear (Name),
How are you? Hope you and your family are doing well. Firstly heartiest congratulations to your son Gaurav on securing 92
percent marks in 10th board exams. There was no doubt that a brilliant child like him securing such commendable marks. As I
got to know that he scored less in science as compared to other subjects, I would like to advise that let him do what he wants
and support his choice. I would advise you first that do not put any kind of pressure on him or force him to opt for science in
11th standard. There is no point on putting pressure, infact if he opts science because of you, there are chances that he might
not fare well in 12th board exams which are very important for future. Rather, support his choice and let him continue with
whatever stream he want to pursue. It would be better if he chooses what he likes as it would enhance him to make a better
career.
Thus, I would suggest you to support him on every step of his life as he needs you and your guidance. It is our duty to mentor
our children and make sure that they enjoy their studies and this can be done only when we are ready to understand them and
their choices.
Lots of love.
Your friend,
XYZ
 Useful Letter Writing Aids
Examples of Phrases that can be used in a complaint letter:
I would like to express my extreme dissatisfaction…
I regret to say that I was not completely satisfied…
I would like to receive a full refund…

Examples of Phrases that can be used in a job application:

I had applied against notification…
I would like to apply for…

Examples of Phrases that can be used in an invitation letter:

Could you please let me know if you can attend…
Could you please let me know if you are available for…
We are happy to let you know…
Extras
This letter is to inform you about…
This letter is in reference to your…
We would like to bring to your notice/attention…

-Letter in reply to an enquiry

This is in reference to your enquiry

-Apology letter
We would like to apologize for…
Please accept our apologies for…
Please let us know how we can compensate you…
Opening Phrases Conclusion
-How are you? -I am looking forward to seeing you.
-I hope you are in a good health. -I dedicate my success to you.
-How have you been? -I can't wait to see you soon.
-I came to know about… -Send me a detailed reply.
-How is life treating you? -I can't wait to hear from you.
-I was happy to hear about… -I am looking forward to hearing from you.
-How are the kids? -See you soon.
-I hope you are doing great -Revert as soon as possible.
-I hope you, Mom, and Meera are -Send my love to…
having a great time. -I hope you are doing well.
-Good luck…
-Give my regards to…
1277, B Block, Write a letter of 150 words to the editor of a local newspaper detailing the losses
Vaishali Nagar, suffered by local retailers during online sales during festivals.
Delhi 305001
November 5, 2023
The Editor,
Time of India,
Delhi 305004
Subject: Regarding losses suffered by local retailers during online festival sales.
Dear Sir,
I would like to draw the kind attention of the concerned authorities towards the continued loss of our local retailers
due to heftier discounts on products during festival season. Festivals should be a good time for our local stores, but
now they are having a hard time. They're really important for our community because they create jobs and bring us all
closer together. But now, because more people are shopping online, our local shops are struggling. To help our
community stay strong, we need to support our local stores during festivals. We can do this by choosing to buy from
them instead of online platforms. Also, our leaders should find ways to help our local stores do well.
I hope that you will voice my concerns through your esteemed newspaper, and then the concerned authorities will take
the necessary action to address the matter.
Thank you.
Yours faithfully,
XYZ
I would like to draw the kind attention of the concerned authorities towards the continued losses of our local
retailers due to heftier discounts on products given by online platforms during festivals. Festivals would be
the best time for our local retailers, but now they are struggling to increase their sales volume. They are really
important for our community because they create jobs and bring up all closer together. To help our
community stay strong, we need to support our local retailers during festivals. We can do that by choosing to
buy from them instead of online platforms. Also, our leaders find the ways to help our local stores do well.
I hope you will voice my concerns through your esteemed newspaper, and then the concerned authorities will
take the actions to address the situation.

I would like to draw the kind attention of the concerned authorities towards the continued loss of our local
retailers due to heftier discounts on products during festival season. Festivals should be a good time for our
local stores, but now they are having a hard time. They're really important for our community because they
create jobs and bring us all closer together. But now, because more people are shopping online, our local shops
are struggling. To help our community stay strong, we need to support our local stores during festivals. We can
do this by choosing to buy from them instead of online platforms. Also, our leaders should find ways to help
our local stores do well.
I hope that you will voice my concerns through your esteemed newspaper, and then the concerned authorities
will take the necessary action to address the matter.
Write a letter to the editor of a newspaper regarding noise pollution in festive season.

b)
1277, B Block,
Friends Colony,
Rajasthan 305001
November 25, 2023
The editor,
The Times of India,
Milap Bhawan, Delhi
Subject: Noise Pollution posing a threat to health of people.
Dear Sir,
I would like to draw the kind attention of the concerned authorities towards increasing problem of noise pollution. Increasing
noise pollution is a big threat to the health of the people; if it is allowed to go unchecked it may rob the people of their hearing
capacity. Creasing number of vehicles on the roads, rising growth of factories, loudspeakers etc. are various factors responsible
for causing noise pollution. It is the time that the authorities should strictly enforce the noise control laws. The noise producing
factories located in the residential areas should be shifted to far-off places without any delay. The use of loudspeaker should be
stopped after specific time.
I hope that you‘ll voice my concerns through your esteemed newspaper and then the concerned authorities will take necessary
action against those responsible for noise pollution to relieve the people from the harmful effects of it.
Thank you.
Yours faithfully,
XYZ
1277, B Block,
Friends Colony,
Rajasthan 305001
November 25, 2023
The editor,
The Times of India,
Milap Bhawan, Delhi
Subject: Noise Pollution posing a threat to health of people.
Dear Sir,
I would like to draw the attention of the concerned authorities towards the issue of noise pollution in Delhi. It has
become a major concern as it causes great damage to the health of the citizens. Due to noise pollution students
are unable to concentrate on studies and even suffer loss of sleep. It affects the working efficiency of adults and
causes loss of hearing in elders.
I urge the authorities to enforce strict noise control laws in the capital. Factories which are responsible for
producing too much noise should be located on the outskirts of the city. The use of loudspeakers should be
prohibited after a certain time. Furthermore, to reduce noise pollution in Delhi, authorities also require public
cooperation. Hence, the public should be made aware of the threats posed by noise pollution. Lastly, I hope the
concerned authorities will take immediate action against this issue which affects the whole population of Delhi.

Thank you.
Yours faithfully,
ABC
 Important Topics
• All the academic records, school certificates, AIEEE marks card, Counselling letter, College letter and other
relevant documents have been attached to the application. Looking forward for your response.

• Kindly look into this matter soon. I am looking forward to hearing from you soon.

• I would be highly obliged if an early action is taken from your side since this is a serious issue which needs to
be unravelled urgently.

• I would be highly obliged if early action is taken from your side since it is a serious issue which needs to be
sorted quickly.

• Through your newspaper, I appeal to the concerned authorities to look into the matter and take swift action. I
hope you will give space to my views in your reputed daily to spread awareness.

• It is earnestly hoped that concerned authorities will take immediate and urgent necessary action against those
responsible for noise pollution to relieve the people from the harmful effects of noise pollution.

• Therefore, I request you to kindly update the website and resolve the issue so that other users as well do not
face any problem.
I'm writing to bring to your attention a problem I've encountered with the website
of your esteemed bank. I am ABCD, and I've been associated with your bank for
the past eight years, holding account number 8745617486532.

Up until last week, I hadn't experienced any issues with the internet banking portal
on your website, whether accessed through my laptop or mobile. However, over
the past week, I've been consistently unable to access the website due to a
recurring error. This is causing significant inconvenience as I rely on the website
for various transactions including money transfers, RTGS, and checking my
balance.

I kindly request you to address this issue promptly by updating and resolving the
website, ensuring that other users do not encounter similar problems. Your prompt
attention to this matter would be greatly appreciated.
I hope this message finds you well. My name is ABCD, and I've been a customer of your bank
for eight years, using account number 8745617486532. I'm writing to let you know about a
problem I've been having with your bank's website. Normally, I can use it without any trouble
on my computer or phone. However, for the past week, I've been getting an error every time I
try to log in. This is causing me a lot of trouble because I use the website to do important
things like transferring money and checking my balance.

I kindly request you to address this issue promptly by updating and resolving the
website, ensuring that other users do not encounter similar problems. Your prompt
attention to this matter would be greatly appreciated.
This is to bring to your notice that I, ABC, have taken an insurance policy for my car
(Number- xx22) from your company almost three years back. My policy number is 9945xx.
Unfortunately, I met with an accident yesterday. I was driving very carefully but abruptly, a
truck hit my car from the back side. As a repercussion, the back portion of the car is badly
damaged.
When the incident occurred, I have contacted one of your employees. I have also submitted
all the necessary documents which he asked, as he assured me that according to the whole
incident I am able to get the claim. Albeit, It has been almost one week passed, still, I did
not get any further reply from your side.
I need money to repair my car. It is my humble request to you that look into this matter as
soon as possible. Looking forward to hearing from you soon.
I am writing to inform you about an incident involving my car (Registration
Number: xx22), for which I hold an insurance policy with you under the number
9945xx. This policy has been in effect for nearly three years. Unfortunately, I was
involved in an accident yesterday where a truck collided with the back of my car. I
want to assure you that I was driving carefully, but the impact has resulted in
significant damage to the rear of my vehicle.

I immediately contacted one of your representatives at the time of the incident,

who guided me through the required documentation. They assured me that, based
on the circumstances, I am eligible for a claim. However, it has been almost a week
now, and I have not received any further communication.

I urgently need the funds to repair my car. I kindly request your prompt attention
to this matter. Your timely assistance in processing my claim would be greatly
appreciated.

I look forward to hearing from you soon.

I want to bring to your attention that with board exams for 10th and 12th graders
approaching, along with other school and college annual exams, it would be very
helpful to have articles on managing stress. This would benefit both students and
their parents.

These days, students face a lot of stress due to increased competition. They feel
pressured to meet their parents' expectations and keep up with the high level of
competition. Parents are also going to great lengths to provide their children with
every possible resource to excel in their studies.

In trying to meet their parents' expectations, children often become anxious and
end up putting a lot of pressure on themselves to conform to societal norms.
Therefore, I kindly request that publishing articles on stress management would
greatly assist both students and parents. Through your respected newspaper,
both generations can learn valuable techniques for reducing stress and handling
exams more effectively.
I'm writing to let you know that I, ABCD, was offered a job at your esteemed bank
with a joining date of October 16, 2018.

Unfortunately, I regret to inform you that I won't be able to start on the 14th. The
company I'm currently employed with has requested me to stay for an additional
two days to complete a project that will conclude on October 14th.

I kindly request an extension for my joining date, as I'll need a few days to wrap
up my current commitments, including arranging accommodation. Additionally,
since I reside in Chandigarh, there will be some time needed for packing and
travel. I would greatly appreciate being allowed to join on October 20th. Thank
you for your understanding.
Last year topics asked in IBPS PO MAINS
1.Women's Reservation Bill
2.RBI’s strategy to tackle inflation in economy.
3.India's Lunar Endeavor: Achievements of Chandrayaan and Aditya-L1 Missions
4.India's G20 Leadership: A Defining Moment
5.India vs Bharat impact on Indian economy
6.Demonetization of ₹2000 Notes: Evaluating the Pros, Cons, and Clean Money Policy
7.AI in Education: Unpacking the Pros and Cons of AI Assistants (ChatGPT, BARD, etc.)
8.Climate Change and Equity: Pioneering Green Finance with Sovereign Green Bonds
9.AI/ML in Banking: Revolutionizing the Financial Sector
10.Youth Mental Health: Recognizing its Critical Importance
11.Central Bank Digital Currency (CBDC): Charting the Future of Money
12.Electric Vehicles: Paving the Way for Future Transportation
13.Privatization in India: Assessing the Pros and Cons
14.New education policy a progressive policy with divers challenges
15.Media is the fourth pillar of democracy
16.India's Population Milestone: Surpassing China - A Boon or a Burden?
 1.Women's Reservation Bill
The Women’s Reservation Bill, also known as the Constitution (108th Amendment) Bill, has
been a topic of heated debate in India. The bill proposes to reserve 33% of all seats in the
Lower House of Parliament and all state legislative assemblies for women.

The origins of the Women’s Reservation Bill can be traced back to 1996 when it was first
introduced in the Lok Sabha. Despite its reintroduction in subsequent years, the bill has faced
numerous hurdles, primarily due to a lack of political consensus.

The bill is seen as a significant step towards empowering women and ensuring gender equality
in the political landscape. It aims to rectify the underrepresentation of women in politics,
thereby promoting diversity and inclusivity.

Despite the controversies, the Women’s Reservation Bill remains a crucial instrument for
achieving gender parity in Indian politics. It is essential to address the concerns raised and to
ensure that the implementation of the bill does not inadvertently perpetuate other forms of
inequality. The need for women’s representation in politics is undeniable, and this bill could be
a significant step towards achieving this goal.
 1.Women's Reservation Bill
The Women’s Reservation Bill, also known as the Constitution (108th Amendment) Bill, has
been a topic of heated debate in India. The bill proposes to reserve 33% of all seats in the
Lower House of Parliament and all state legislative assemblies for women.

The Women’s Reservation Bill, also known as the Constitution (108th Amendment) Bill, is a
topic of much talk in India. This bill suggests setting aside 33% of seats in the Lower House
of Parliament and state legislative assemblies for women.

The origins of the Women’s Reservation Bill can be traced back to 1996 when it was first
introduced in the Lok Sabha. Despite its reintroduction in subsequent years, the bill has faced
numerous hurdles, primarily due to a lack of political consensus.

This idea started in 1996 when it was first brought up in the Lok Sabha. However, it has
faced many problems over the years because there hasn't been agreement among
politicians.
 1.Women's Reservation Bill
The bill is seen as a significant step towards empowering women and ensuring gender equality in the political
landscape. It aims to rectify the underrepresentation of women in politics, thereby promoting diversity and
inclusivity.

The bill is a big move towards giving women more power and making sure men and women have equal
chances in politics. It wants to fix the fact that there aren't enough women in politics, which would make
things more diverse and fair.

Despite the controversies, the Women’s Reservation Bill remains a crucial instrument for achieving gender
parity in Indian politics. It is essential to address the concerns raised and to ensure that the implementation of
the bill does not inadvertently perpetuate other forms of inequality. The need for women’s representation in
politics is undeniable, and this bill could be a significant step towards achieving this goal.

Despite the controversies, the Women’s Reservation Bill plays a crucial role in promoting gender equality
within Indian politics. It is essential to address any concerns raised and ensure that the bill is executed in a
manner that is equitable and inclusive for all. Augmenting the participation of women in politics is an
essential step forward, and this legislation holds the potential to make significant progress in that direction.
 2. Women Empowerment Essay 250 words
Women empowerment is the process of empowering women to gain control over their lives and destinies. It's
about giving women the resources and opportunities they need to reach their full potential.

Women empowerment is important for many reasons. First, it's simply the right thing to do. Women are half
the world's population, and they deserve to have the same rights and opportunities as men. Second,
women's empowerment is good for society. When women are empowered, they are more likely to participate
in the workforce, start businesses, and contribute to the economy. Third, women's empowerment is good for
families. When women have more control over their lives, they are better able to care for their children and
families.

There are many ways to empower women. One important way is to provide them with education. Education
gives women the knowledge and skills they need to get good jobs and participate in the economy. Another
way to empower women is to give them access to economic resources. This includes microfinance, which is
small loans that can help women start or expand their businesses. It's also important to challenge gender
stereotypes and promote gender equality. This means giving women the same opportunities as men in all
aspects of life, from education to employment to politics.

Women empowerment is a global movement that is making a difference in the lives of millions of women. It's
about giving women the power to change their own lives and the world around them.
 2. Women Empowerment Essay 250 words
Women empowerment refers to the process of endowing women with legal rights, social rights, political rights,
and economic stability. It involves the action of boosting the status of women through literacy, education,
training, and raising awareness.

The empowerment of women is a necessity for the very development of a society, since it enhances both the
quality and the quantity of human resources available for development. Women empowerment is all about
equipping them to make life-determining decisions through different problems in society. Education is one of the
most critical areas of empowerment for women. It is beneficial not only for the growth of women but also for
their families and communities. Education bestows on women a disposition for a lifelong acquisition of
knowledge, values, attitudes, competence, and skills. Economic empowerment is a key factor in making possible
a positive change in women’s lives. It involves equipping women with the necessary tools to be economically
independent, thus reducing their financial dependency on their male counterparts.

To conclude, women empowerment is not only a fundamental human right, but a necessary foundation for a
peaceful, prosperous, and sustainable world. It’s high time that we understand the power of women and make
way for their advancement and improvement in all spheres of life. The empowerment of women is the
empowerment of a nation.
 3. Indian Presidency in 2023
In 2023, India assumes the prestigious G20 Presidency, taking charge on December 1st, 2022. During this tenure, India is
set to host nearly 200 meetings spanning 32 diverse sectors across the nation. The overarching theme, "Vasudhaiva
Kutumba-Kam," translating to "One Earth, One Family, One Future," encapsulates India's aspiration for a united global
community, emphasizing unity over division between the so-called "first world" and "third world.“

This presidency holds immense significance for various reasons. Firstly, it provides India with a unique platform to
contribute to global discussions on pressing issues of international importance. Particularly, India aims to advocate for
reforms within multilateral institutions like the United Nations, ushering in a new world order in the post-Covid era.

Moreover, India's leadership role in the G20 allows it to emerge as a leader representing the Global South, championing
the interests of emerging economies. As issues like climate change, the Covid-19 pandemic, and geopolitical conflicts loom
large, the G20 assumes heightened importance as a forum for concerted global action.

To address the current global challenges, governments must strike a delicate balance between aiding vulnerable
populations and managing debt levels. Additionally, G20 leaders must advocate for transparent, stable trade policies to
alleviate supply chain disruptions. Strengthening global value chains' resilience is pivotal in safeguarding against future
shocks, while curbing inflation remains a top priority.

In essence, India's G20 Presidency in 2023 is a momentous occasion to shape the global discourse on critical issues.
Through collaboration and strategic leadership, the G20 has the potential to pave the way for a more equitable,
sustainable, and harmonious world order.
In 2023, India will lead the G20, starting from December 1st, 2022. During this time, India will organize almost
200 meetings in 32 different areas all over the country. The main idea, "One Earth, One Family, One Future,"
shows that India wants everyone in the world to work together, no matter where they come from.

This is very important for a few reasons. First, it gives India a special chance to talk about big problems that
affect the whole world. India wants to help make changes in important groups like the United Nations, especially
after Covid-19.

Also, India will be a leader for countries that are still growing, like many in Africa, Asia, and South America. This is
very important, especially when we have big problems like climate change, Covid-19, and conflicts between
countries.

To deal with these problems, leaders need to be careful. They have to help people who need it without making
too much debt. They also need to make rules for trade that are clear and fair to everyone. It's important to make
sure supply chains stay strong and can handle future challenges. And, they must make sure that prices don't rise
too fast.

In short, India leading the G20 in 2023 is a very big deal. By working together and making good decisions, the
G20 can help make the world more fair, sustainable, and peaceful.
 RBI’s strategy to tackle inflation in economy.
Inflation means prices going up, which can make it hard for the economy to stay steady. The RBI, like India's money
boss, tries to manage this. They have plans to balance making the economy grow and keeping prices stable.

One big tool the RBI uses is something called the repo rate. It's like a magic number that affects how much banks have
to pay when they borrow money. This affects how much money is floating around, which then impacts prices.

The RBI also has a goal for how much prices should go up, and they adjust their plans to meet that goal. This helps
everyone know what to expect with prices.

They keep a close eye on important signs in the economy and use fancy predictions to see what might happen next.
This helps them take action early to stop prices from going up too much.

The value of our money, the Indian rupee, also matters. If it changes a lot, it can make the prices of things we buy from
other countries go up or down.

Working together with the government, the RBI tries to make the part of the economy that makes things and gets
them to us work better. This helps keep prices from going up too fast.

In the end, the RBI has a bunch of plans to keep prices steady. They use special tools and watch the economy closely.
This helps keep our money strong and makes sure we can buy what we need without things getting too expensive.
Inflation, the sustained increase in the general price level of goods and services, poses a significant challenge to economic
stability. The Reserve Bank of India (RBI), as the country's central bank, plays a crucial role in managing inflation. Its
strategies and policies are aimed at striking a balance between economic growth and price stability.

The RBI's strategic approach to tackling inflation is multi-faceted, involving a combination of monetary policy tools, targeted
inflation goals, vigilant surveillance, and collaboration with the government. By employing these measures, the central bank
aims to maintain price stability, which is crucial for sustaining economic growth and safeguarding the purchasing power of
the Indian population. Effective inflation management is integral to fostering a stable and resilient economic environment for
the country.