I am of age 20 done nothing in till date just slept no goals no reading habit but wants to crack Sbi clerk as it is last option but feels it is late to start from scratch with fear of losing fear of age fear of capabilities , i feels i am to late to start now and also my friend are doing well i lost

Ayush, you have already started your way to success by showing your interest here. This is the first and most important step. It's better late than never. Candidates from any stream can apply for SBI clerk exams.

There are some eligibility criteria for SBI clerk exams, candidates must have a Graduation degree in any stream from a recognized University. Appearing or final year/semester students can also apply. However, this is subject to the condition that if they are provisionally selected, they’ll need to produce proof that they have passed the graduation examination on or before the mentioned date in the official notification. Candidates must have atleast 50% in their 10 th board exams to be eligible for this exam. The minimum age limit is 20 and maximum age limit is 28, considering general category, so it won't be a problem for you. There are relaxation of age for other categories.

Syllabus for SBI Clerk prelims is English language, numerical ability, and reasoning. For more detailed information about this exam, check out the link below

https://www.google.com/amp/s/competition.careers360.com/articles/sbi-clerk-exam-pattern/amp

Most importantly, never loose hope, it's good that you are willing to start. You are sure to succeed if you would maintain hard work with consistency.

I hope this helps you!