I am stucked i am 21&have no idea of future®ret of wasting years due laziness now feels it's over all i am way behind all in knowledge,skills & other aspects. 1.Is 21 late to start with scratch poor in all for Sbi PO preparation? 2.I went for it last year came back,is it late as per my situation?

One thing must be cleared that you arenot late at all. The minimum age to appear for SBI PO exam is 21 years old. And you are only 20 years. So youhave time. And the most important thing is that you wany don't want to lose. Don't feel like that you are lost, your friends are going over you. Don't go for competition. There are students who qualify SBI PO in first time. But there are more students who can't qualify in the very first attempt. But they don't lose hope. They stuck to it until they reach their goal. So when you have time, you must prepare for the examination rather than thinking all these. If this is fear of failure, it can be cured only by not thinking about these. Just engage yourself in the preparation, you'll automatically forget this things.

First of all go through the entire syllabus of SBI PO. There are many study materials available on internet. You can take help of video tutorials available free in YouTube. Read newspaper daily thoroughly for General Knowledge and current affairs. If you find it difficult to study from different books, then make your own notes. This is a good habit, your memory retention will also improve.

Once done with syllabus you can move on to solving mock test, previous year exam papers. Then try to figure out your weak areas and work on them.