Hi Dear,
As per the details mentioned by you, you have filled IBPS form whose exam will be held on 5th December. So, if you are not prepared for the exam, then i'll recommend you to study the important topics and give the exam for now. Even if you do not have confidence of cracking the exam, still sit for the exam to know the exam pattern and for a practice. And you are just 21, so you can prepare well and sit again for ibps exam next time. This attempt will help you in your preparation and motivate you for next attempt.
You can follow following preparation tips for ibps exam from link below:
https://competition.careers360.com/articles/how-to-prepare-for-ibps-po
Good Luck
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