Yes, you can apply for the IBPS Clerk Exam even if you have completed your graduation with a backlog. The Institute of Banking Personnel Selection (IBPS) allows candidates with backlogs to apply for their exams, including the IBPS Clerk Exam. However, there are certain criteria and conditions that you need to fulfill in order to be eligible for the exam.

Eligibility Criteria for IBPS Clerk Exam
To apply for the IBPS Clerk Exam, candidates need to meet the following eligibility criteria:

1. Nationality: The candidate must be a citizen of India or a subject of Nepal/Bhutan or a Tibetan refugee who came to India before January 1, 1962, with the intention of permanently settling in India.

2. Age Limit: The minimum age limit is 20 years and the maximum age limit is 28 years. Relaxation in the upper age limit is provided to candidates belonging to reserved categories.

3. Educational Qualifications: The candidate must have a graduation degree in any discipline from a recognized university. There is no specific requirement regarding the percentage of marks scored in graduation.

4. Language Proficiency: Proficiency in the official language of the state or Union Territory for which the candidate is applying is necessary. The candidate should be able to read, write, and speak the language fluently.

Conditions for Candidates with Backlogs
If you have completed your graduation with a backlog, you can still apply for the IBPS Clerk Exam. However, there are a few conditions that you need to fulfill:

1. Completion of Graduation: You must have completed your graduation degree from a recognized university. The backlog should not be pending at the time of applying for the exam.

2. Proof of Graduation: You need to provide the necessary documents to prove that you have completed your graduation. This includes your graduation degree certificate or provisional certificate.

3. Language Proficiency: You should fulfill the language proficiency requirement as mentioned earlier. This applies to all candidates, including those with backlogs.

4. Backlog Clearance: It is important to clear the backlog before the final selection process. Candidates with pending backlogs at the time of the interview or document verification stage will not be eligible for selection.

Conclusion
Having a backlog in your graduation does not disqualify you from applying for the IBPS Clerk Exam. As long as you meet the eligibility criteria, including the conditions for candidates with backlogs, you can apply for the exam. It is important to clear the backlog before the final selection process to ensure your eligibility for the position of a clerk in participating banks.