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IBPS PO INTERVIEW EXPERIENCES 1 TO 16 BANKERSADDA.



IBPS PO INTERVIEW EXPERIENCES  - BANKERS ADDA 1 TO 16 2018-19

I reached the venue at 8:15 AM. Then the document verification, biometrics  process  all were done within an hour and each candidate was allotted  a serial number i.e. the order  in which each one will enter the interview room. My interview was held at 11.33 AM.

Panel: 5 Members
Total Members: (4 Male, 1 Female)

"I entered the room and greeted all the panel members with a good morning". 

M1: Please sit down.
ME: Thank you.

M1: Introduce yourself.
ME: I did (I kept it very short with just my name, my home town and my graduation degree). 

M1: Asked me what was I doing after my graduation.
ME: Answered it as I was preparing for  public service exams.

M1: Asked me about my hobbies /daily activities.
ME: Surfing internet, reading novels.

M1: What are the novels that you have read recently?

ME: Told them.

M1: What other novels have you read from the same author?

ME: Replied.

M2: Do you know who is the author of 'Satanic Verses'?

ME: Replied correctly.

M1: Asked if I have read any Odia novels? (Odia is my regional language)

ME: replied with a 'no'.

M3: Asked me what is Rheostat? (As I am from electrical engineering background)
ME: I answered.

M3: What does a 'unit' mean in an electric meter?
ME: I replied but he was expecting for his own word something different. After some discussions I gave his answers.

M3: What's the difference between AC and DC current?
ME: Answered correctly.

M4: What is economic survey? Who compiled it & who represent it parliament and when?

ME: Answered correctly but he somewhat pressured me if my answer is correct.

F: Do you know what is banking ombudsman?
ME: Answered but she somewhat not satisfied.

F: Is there any time limit to resolve a complaint in this scheme? When should one approach ombudsman?
ME: Answered correctly.

M1: Who are the famous personalities of your hometown?
ME: Answered but missed the name of one of the most famous person which he added the name subsequently during the discussion.

At last M1 asked me what do you think how us your interview performance.
ME: I think it was a nice interview.

M1: Are you feeling comfortable here?
ME: Replied affirmatively and told them u all were very cooperative.

M2: How do you rate your performance?
ME: Out of 10 somewhat between 7 and 8 with a smile. They also laughed.

The interview conversation was mostly in Odia and English. The interview lasted somewhat about 15 minutes.

ame: Harshad Janghela
Institute: Career Power, Bankersadda, Indore
Interview Date: 31 January 2019
Venue: Central Bank Officers Traning Centre,  Bhopal
Interview timing was 8:00 AM, so I reached the venue at 7:30. All the candidates were given a form to fill the list of documents which needed to be submit like graduation marksheet (semester wise), provisional degree/ final degree, online application form, SSC marksheet for Date of birth proof, Aadhar/PAN for identity proof. It is advised to keep all the original and photocopies ready for smooth verification. 

All the candidates were now seated and asked for biometric verification one by one. After that, document verification started. The people working there were very helpful during this and my document verification was completed without any problem. After that we were told to sit near our respective panels (mine was panel 2). Finally, interview started. 

Panel: 5 Members
Total Members: (4 Male, 1 Female)

"I entered the room after asking for their permission". 

M2: Yes! Harshad please come.
ME: Good Morning Mam! Good morning Sirs!

M2: So Harshad, tell me about yourself?
ME: Sir, I am from Indore and I have done my schooling from there ( told my percentage of Xth and Xllth). After that I did my graduation in mechanical engineering in 2017. My father is a retired branch manager from NJGB and my mother is a homemaker. In my free time I like to read novels and write articles.

M1: What kind of articles have you written recently? 
ME:  Answered.

F1: So, why do you want to join bank after engineering? 
ME: Mam, my father was a banker and I have often visited banks since childhood. I have liked how a bank works and want to learn more about it. 

M4: What are the services a bank offers? 
ME: Answered.

M4: As a banker, what should be your responsibilities for the growth of bank?
Me: Answered.

F1: Are you aware about the new magnetic chip in ATMs? What is the use of that? 
ME: Yes, Mam I know that it is for added security. 

F1: Tell me about payment banks and their functions? 
ME: Answered.

F1: What should be kept in mind while visiting an ATM for security? 
ME: Answered.

M5: Your father was in RRB right? Tell me how much share does state government has in RRB?
ME: I was not sure whether it was 35% or 15%, they informed me that it is 15% for state government, 35% for sponsor bank and 50% for Central government. 

M3: How are RRBs different from nationalised banks? 
ME: Explained well.

F1: Tell me the difference between payment bank and NBFC? 
ME: I explained it but they were not fully satisfied. 

M2: Tell me examples of Payment banks? 
ME: Answered.

M3: Thank you, you can go.
Me: Thank you Mam, Thank you sir, Good day.

The interview lasted for about 10 minutes and they were very friendly and supportive. I think it went alright, Hope for the best!
ame: Harshad Janghela
Institute: Career Power, Bankersadda, Indore
Interview Date: 31 January 2019
Venue: Central Bank Officers Traning Centre,  Bhopal
Interview timing was 8:00 AM, so I reached the venue at 7:30. All the candidates were given a form to fill the list of documents which needed to be submit like graduation marksheet (semester wise), provisional degree/ final degree, online application form, SSC marksheet for Date of birth proof, Aadhar/PAN for identity proof. It is advised to keep all the original and photocopies ready for smooth verification. 

All the candidates were now seated and asked for biometric verification one by one. After that, document verification started. The people working there were very helpful during this and my document verification was completed without any problem. After that we were told to sit near our respective panels (mine was panel 2). Finally, interview started. 

Panel: 5 Members
Total Members: (4 Male, 1 Female)

"I entered the room after asking for their permission". 

M2: Yes! Harshad please come.
ME: Good Morning Mam! Good morning Sirs!

M2: So Harshad, tell me about yourself?
ME: Sir, I am from Indore and I have done my schooling from there ( told my percentage of Xth and Xllth). After that I did my graduation in mechanical engineering in 2017. My father is a retired branch manager from NJGB and my mother is a homemaker. In my free time I like to read novels and write articles.

M1: What kind of articles have you written recently? 
ME:  Answered.

F1: So, why do you want to join bank after engineering? 
ME: Mam, my father was a banker and I have often visited banks since childhood. I have liked how a bank works and want to learn more about it. 

M4: What are the services a bank offers? 
ME: Answered.

M4: As a banker, what should be your responsibilities for the growth of bank?
Me: Answered.

F1: Are you aware about the new magnetic chip in ATMs? What is the use of that? 
ME: Yes, Mam I know that it is for added security. 

F1: Tell me about payment banks and their functions? 
ME: Answered.

F1: What should be kept in mind while visiting an ATM for security? 
ME: Answered.

M5: Your father was in RRB right? Tell me how much share does state government has in RRB?
ME: I was not sure whether it was 35% or 15%, they informed me that it is 15% for state government, 35% for sponsor bank and 50% for Central government. 

M3: How are RRBs different from nationalised banks? 
ME: Explained well.

F1: Tell me the difference between payment bank and NBFC? 
ME: I explained it but they were not fully satisfied. 

M2: Tell me examples of Payment banks? 
ME: Answered.

M3: Thank you, you can go.
Me: Thank you Mam, Thank you sir, Good day.

The interview lasted for about 10 minutes and they were very friendly and supportive. I think it went alright, Hope for the best!

Name: Vijit Kumar Gupta
Venue: The Grand JBR, Gomtinagar, Lucknow
Date: 31st January 2019
Reporting Time :1 PM

Hi Friends,
I completed my graduation in 2018 & as this was my first attempt, my nervousness reached its peak. But hopefully got to manage it soon.

I reached the venue at 11:35, and quickly approached towards verification & biometrics. The staff was very helpful but didn't compromise with any of the documents. Soon biometric was done and I was allotted No. 2 & asked to wait till further orders. At 1:15 three of us were called upstairs and asked to sit in the common area. My heartbeat was 3 times faster. Soon they informed that panel has gone for lunch. After half an hour they returned & that was "Showtime". So here is how my interview went.

Panel: 5 Members
Total Members: (4 Male, 1 Female)

"Panel members were very enthusiastic & it was like conversation with your Tau/Chacha".

ME: 
Good Morning Mam, Good Afternoon Sirs (by mistake Morning bol diya).
M1:
आइये आइये गुप्ता जी बैठिये, Have your seat.

M1:
तो आपने Graduation में क्या किया है और कहाँ से?
ME: 
हिंदी में ही detail में बताया.

M2:
आपके शाहजहांपुर में "शंकर मुमुक्षु आश्रम" है, मुमुक्षु का मतलब बताइये?
(I think he asked this because he was posted there previously)
ME: Sorry sir
सुना है पर strike नही कर रहा अभी.

M2:
कोई बात नही ये banking से related नही है।

M1: Schooling
कहाँ से की है।
ME: Answered.

M2:
वही Cantt Area में जो है, अच्छा ये तो बहुत अच्छा School है, बढ़िया। (he knew too much about Shahjahanpur)

M1: Banking
में क्यों आना चाहते हैं?
ME: Gave them two reasons, First - the Banking Recruitment process which is very fast paced & absolutely fair (thought it was a unique answer), Second - as my uncle has a retail shop, I usually sit there in my free time so I am well versed with customer dealing and I don't panic in front of 10 strangers at the same time plus I won't have much problem in adjusting to the banking business culture (were satisfied with my answer).

M2:
आपका account किस बैंक में है?
ME: Sir SBI.

M2:
क्या facilities ले रखी हैं आपने अपने बैंक से।
ME: Internet Banking, ATM
और Mobile banking.

M2:
कुछ और।
ME: Sir RD, FD
दोनो ले रखी हैं.

M1:
कोई और बात बताइये।
ME: Education Loan
ले सकते हैं.

M2: loan
मत बताइये कुछ और।
ME: Sir Locker Facility
भी मिलती है.

F1:
कोई Non-banking activity बताइये।
ME: Mam Insurance
भी provide कराया जाता है PMJJY के through.

F1: Exact Answer
दिया आपने, NEFT/RTGS के बारे में जानते हैं?
ME: Explained in detail.

F1:
कभी RTGS किया है आपने?
ME: Yes Mam, uncle
की shop के Current Account के Online Transactions मैं ही करता हूँ,
So pretty used to it.

F1:
इससे पहले कुछ qualify किया आपने?
ME: Mam
ये मेरा पहला attempt है, graduation 2018 में किया.

M2:
अरे वाह 2018 मेंइसका मतलब पहली ही ball पे six मारना चाहते हो, well done बहुत Rare case है आपका तो।

"Everybody started laughing".


ME:
 Thank You Sir!
M2: Ok you performed well, you may go now.

Overall My interview was good considering it was my first. Hope result is good as well. That's all. All the Best. I would be thankful if my experience helps someone.

Jai Hind!

Name: Shaheer Rahman
Interview Date: 02 February 2019
Venue: Central Bank Officers Traning Centre, Bhopal

Reporting  time was 1 PM and I reached 30 mins early. All candidates reached on time and then the checklist was given and we proceeded for document verification. There was problem in biometric verification for 3 people including me and hence we were told to wait and our interview got over at the last with me being 2nd last to be interviewed for the day.

Panel III: 5 Members

Total Members: (4 Male, 1 Female)

"Slowly opened the door and asked for entry. Then greeted all the male panels and for madam separately".

Starting from my right side M1 asked me to introduce myself. I was about to start, but M2 (senior most in panel) interrupt before I could speak and asked the meaning of my name. I told them. Then they asked me about why I am not working at ISRO. I had mentioned about my project work there for about 2 years. I told them about the eligibility criteria for giving exam 70% . I had 68.7%. 

Then they switched over to asking about my work at Bank of Maharashtra as I have been working there as a cashier for about 4 months. First question I was asked that what was the yesterday's news for my bank. 

I thought that they might have seen some other news which I hadn't seen as I didn't get time to see because yesterday I left the branch late and immediately had to take bus to interview city which is 8 hrs away.

So, I told them that sir yesterday's work was very much tiresome as 25 new accounts were opened and had to punch ATM cards for all same day as per instructions from higher authorities. Work was more as Manager sir was on leave yesterday. Then madam asked at what time I left Branch then. I told her that it got 7 PM. 

Then they asked that didn't I see anything about NPA. Actually it skipped my mind at that time. Then I mentioned about 2 other banks being removed from NPA too. 

Then they asked about the branch and how much business it's doing. It told I don't know even approx as I am yet to see it. Since I am single clerk there, not much time I get to see other stuffs and it's been only 4 months approx of working here. 

Now they asked me about my extra achievements. I had submitted some certificates of participation at national and international events for Sudoku competitions and there was one winner certificate too among them. This went on for about 4 minutes.

And after that they told thank you for coming and wished me all the best. I greeted them all and then left the interview room.

After interview 4 employees there at Central Bank (it was that bank for venue) came to me with one of them being the guy who check my documents before interview. All asked me about how the interview went. They asked me about Sudoku and it's scope. How it's solved. This went on for another 5-6 minutes. It became another interview after interview. And all 4 shook hands with me and wished me good luck for success and then i left the interview centre.

Name: Abhishek Srivastava
Qualifications: B.Tech (Mechanical Engineering)
Date: 3rd Feb 2019
Time: 8:30 AM
Venue: Hotel Grand JBR, Lucknow

I reached the location at 8 AM. Document Verification was followed by biometric. Everything went smoothly​. I was allotted no. 1 in the interview sequence. At 9 am my turn came. I entered the room with a gentle smile and sought permission and thanked.

Panel I: 5 Members
Total members: (4 Male, 1 Female)

"Good morning Ma'am and Good morning sir (eye contact with each panel member)"

M1: Introduce yourself!
ME: Told about my graduation,  work experience,  hobbies,  family background

M1: What have you prepared for the interview?
ME: I have tried to cover almost everything,  you may ask and I'll try answering.
M1: Tell us about FOREX.
ME: Foreign Exchange Reserves  with RBI as its custodian. It could be cash or other assets. For the development and maintenance of FOREX FEMA Act was introduced.

M2: What was your job profile in your previous organization.
ME: Told my designation and explained my job profile

M2: Are you ready to relocate in a rural area?
ME: Yes sir no issues.

M2: Tell us about PSL.
ME: It is an acronym for Priority Sector Lending. All scheduled commercial banks are directed by the RBI to provide a specified portion of lending to few specific sectors such as: 


·        Social Infrastructure
·        Education
·        Export Credit
·        MSME
·        Agriculture
·        Housing
·        Renewable energy
·        Others(weaker sections)
M1: Banks are suffering from which major issue? 
ME: Told about NPA.

M1: What are the recovery steps of NPA?
ME: Told about CDR, DRT, NCLT and IBC Code, 2016. Also,  highlighted Essar Steel case which is in news for insolvency proceedings.

M3: What are your strengths and weaknesses?
ME: Emphasized on communication skills. My weakness is I am too punctual because of which I often have to wait a lot.

M3: You are a mechanical engineer so how would your degree help you in Banking?
ME: Being a Mechanical Engineer I incorporated various skills such as better utilization of resources, presentation skills,  how to be efficient alone as well as in a team. These skills are going to be very fruitful while working in the Bank.

M1: Last question! What is trade deficit? 
ME: When imports exceeds exports. 

"All the best Abhishek,  you may leave now!"

Note - It was a bilingual interview (Hindi and English) which lasted approx 15 minutes. The panel  was very cordial. Eye contact with each member is must while answering. 
Hi Sir/Madam,

Date:
 1st Feb 2019
Location: Bank of India, Noida.
Time: 1 PM
I am Naveen Kumar from Bhiwani Haryana. I wish to share my interview experience with all the banking aspirants and ADDA247 staff. I prepared for IBPS PO by writting ADDA247 mocks and they were very helpful as difficulty level was as per real exam standard.  Also I followed Bankers Adda DI book and ACE Banking and Static awareness book. All these materials were very helpful for me. Thanks adda247 team.

I reached at 12:30 PM. Biometric and Document verification was done till 2 PM. I had to wait for 2.5 hours. My Interview started at 4:30 PM. I need not to carry anything while entering the interview room. My documents are already with the Panel. Bell Rang, knocked the door, took permission and entered the room.

Panel: 5 Members
Total Members: (4 Male, 1 Female)

"Good evening mam! Good evening sirs!"

M3: Please sit.

ME: Thank you sir.

M3: Yes! Naveen, Introduce yourself.
ME: I introduced myself confidently.

M3: Ohh! So you were in Bank of America.
ME: Yes.

M3: What was your salary and why did you left.
ME: Told and he was satisfied.

M3: What was your work profile in Bank of America.
ME: Told (He was satisfied).

M3: Ok Naveen to btaiye kya puchhe aapse.
ME: Sir you can ask me anything about my work profile and Basic banking.

M4: Ok Naveen. You tell me any five Govt. schemes which are for village people only.

ME: I told one -  Pradhan Mantri Fasal Bima Yojna. I said sorry sir at that time I am not able to recall more.

M4: Ok Naveen no problem.

F1: BHIM works on which platform.
ME: UPI.

F1: What is the full form.

ME: Unified Payment Interface.

F1: What are the other platform that works like UPI.

ME: I was not able to recall. Then she herself told Bharat QR Code and Bharat Bill Payment.

M1: What are the negotiable instruments.

ME: Told.

M1: What is the difference between Bill of Exchange and Promissory Notes?
ME: Bill of Exchange - Order to Pay. Promissory note - Promise to Pay. Like our Bank notes are promissory notes.

M1: Other than RBI who can issue promissory notes.
ME: Sir Govt. of India issues 1 Rs Note.

M3: Yes technically he is right and then they all started smiling.

M3: Ok Naveen you may go.
ME: Thank you mam. Thank you sirs. Have a nice day.

M3: Ok Naveen! Thank you.

"It was a very nice experience. Wish you all the Best."

Name: Shishier Chandra
Venue: Noida Sector 62
Timing: 8:30 AM

I reached the venue at 8 AM and entered the centre gate around 8.15 AM. No hesitation only confidence I felt at that time. This was my first interview. First number is mine to give this interview.

Panel I: 5 Members
Total members: (4 Male, 1 Female)

"Bell rang! I entered the room i greet them and they said sit sit!"

Q1: What is green card?

ME: Answered.

Q2: What impact on environment?
ME: I don't know sir

Q3: Please Introduce Yourself.
ME: Answered.

Q4: If devaluation is happen in the country what effect put on import export?
ME: I don't know Sir.

Q5: What is FM and AM?

ME: Answered.

Q6: Grand father ko bluetooth ke bare mai kaise smjhaoge. And bluetooth kaise technology hai
ME: Answered.

Q7: What is today's headlines?
ME: Answered.

Q8: Bharat Ratana kis kis ko mile? 
ME: Answered.

Q9:  Kha se belong kerte hai ye log?
ME: I don't know.

Q10: What is digitalization?
ME: Answered.

Q11: What goverement schemes launched for digitalization?
ME: Answered
Name: Santosh Kumar
Venue: Andhra Bank Apex College, Hyderabad
Date: 2nd February, 2019
Reporting Time: 8:30 AM

Hello Readers,

I am Santosh and I belong to Vizag. I completed my B. Tech in Chemical Engineering in 2015 and got placed in a reputed core company where I worked for 2 years. After calling it quits, I started preparing for bank exams. Within a month I was able to grasp the exposure required to face bank exams from BankersAdda by watching their daily videos and attempting mock tests. I kept on improving gradually clearing prelims and then mains. Finally, the Interview phase has approached. This was my first interview. Let me share the same in detail.

Suggestion: Be prepared technically as well as mentally and have some good food before appearing for interview.

I reached the venue at 08:00 AM and had couple of bananas as I didn't have enough time for breakfast. Security personnel checked our call letters, took our Signatures and Thumb Prints on attendance sheets. Later we were told to go to 7th Floor for Biometric & Document Verification. I was the 21st candidate in my panel (I) which comprised 24 others. The time was 9:00 am. The document verification official was very keen in verifying each detail on our documents and rejected a female candidate due to some error in her DOB. My Biometric & Document Verification was finished by 11:30 AM and was asked to go to 6th Floor for Interview. After waiting for 2 long hours, it was my turn. My Interview started at 1:30 pm which lasted for only 5 Minutes.   

Panel I: 5 Members
Total Members: (4 Male, 1 Female)


"Good Afternoon Ma'am, Good Afternoon Sirs."

M1: Please take your seat (in Telugu).
Me: Thank you sir.


M1: So! Santosh, please tell me about your family details. (No Intro as it was post-lunch period and the panel hadn't finished interviewing the morning batch)
Me: Answered.

M1: What is priority sector lending?
Me: Answered in detail. But was stuck at 40% of ______
M2: 40% of adjusted net bank credit.

M1: Why banking?
Me: Answered. They were pleased.

M1: What is the difference between core sector and banking sector in terms of man power handling? (Asked because I mentioned my responsibilities at my previous workplace)
Me: Thought for a while and answered diplomatically. 
M1: Good.

M2: How can you differentiate between Small and Medium Farmers?
Me: Answered but not perfectly. Apologized.

F1: What are the functions of RBI?
Me: Answered.

F1: What are some schemes for MSMEs by government?
Me: Couldn't recollect but answered the one which was presented in the interim budget the day before.

M3: Who announces budget?
Me: Answered.

M3: Can you mention some people who handled finance portfolios and later went on to became prime ministers?
Me: Totally Puzzled. Didn't expect such one and gave up. But the panel encouraged and asked to recollect from past terms of our PM's. Mentioned some people. (They smiled in appreciation).

Panel: All the best.
Me: Thanked everyone and left the room.

I was relieved by my performance. It was a good maiden one. Couldn't ask for anything better. But there is a lot of room for improvement. Hope everything goes well. I hope this may do some help in your preparation. Thank you so much and All the best. 
Name: Sourav Gupta
Interview Venue: Chandigarh
Date: 03/02/2019
Timing: 1 PM

Panel: 5 Members
Total Members: (4 Male, 1 Female)
"Entered and wished them Good afternoon."
M1: Please Sit Down.

ME: Thank you Sir.

M1: So some write Sourav while others Saurabh (with laughter)
ME: Sir Explained somehow.

M2: Sourav tell me about your family background.

ME: Told and answered some cross questions about father's profile.

M2: What is quality of a good content writer (as I mentioned that I work as a freelance content writer)
ME: Told

M2: What  students are saying about us how is the panel.
ME: I said they are saying that panel is friendly and I am also feeling the same. (with smile)

M3: Tell me any topic of from where I ask you questions.

ME: Money instrument.

M3: Difference between certificate of deposits and commercial papers.
ME: Told.

M4: What do u know by short term and long term borrowings
.
ME: Told.

M4: Minimum and maximum limit for which u can do FD.
ME: Told.

M2: Favorite actor and actress.
ME: Told.

M2: Negotiable instruments mein cheque kis section mein defined hai.

ME: Answered.

M2: Okay Sourav Have a nice day, Good luck
ME: Thank you Sirs and Mam.

Name: Vignesh V
Venue: Indian Overseas Bank, Regional Office, Chennai.
Panel:  1
Date: 4th February 2019
Reporting Time: 8:30 AM

Hi Friends,
When I reached the venue it was 08:45 AM and I had to sign in the register at the gate(everyone has to sign). As I was late the security personnel asked me to go fast to the third floor and while I was for the lift I could see many people being seated in the waiting hall (parents,friends and guardians). I reached the third floor and i was asked to check the serial number and sign.The serial number was '11'. I quickly approached towards verification & biometrics. The staff was very helpful but didn't compromise with any of the documents. Xerox facility was available at the same place. We were seated according to the serial number in a common room. 


At 10'o clock I was asked to go in. I got very tensed and  my heart started to beat rapidly(As like you would feel when you speak to your crush for the first time).I took and deep breath and knocked the door. They said "come in''. That's when the interview started.


Panel: 5 Members
Total Members: (2 Female, 3 Male)


"At the center sir with a suit and others formally dressed. Good Morning Mam, Good Morning Sir" 


Panel members were very smiling & the person at the center said ''Your tie looks good" 
(I smiled and said thank you sir)
M1: So Vignesh Introduce yourself.
ME: Said about my educational background,my family and my parents occupation.


M1: You got graduation in 2017 so what were you doing till now?
ME: Sir,I got placed in campus in a ABC IT company but I was not interested hence I did not join.


M1: So what have you prepared?
ME: Sir I have not prepared anything in specific. I have tried to cover as much as possible in banking and current affairs.I will try my best to answer those.


F1: So you did your schooling in Tirunelveli but you are from Chennai. How?
ME: Answered. 


F1: So between Tirunelveli and Chennai which do you prefer?
ME: Answered.  


F1: So Tirunelveli is a rural place. What are the rural banks in Tamil Nadu?
ME: Answered.(lasted current affairs 2RRB's merged as one)


F2: What is the Sterlite issue in Tuticorin?
ME: Answered. 


F2: The government is spending so much money in rural infrastructure. Do you think it is right?
ME: Mam rural infrastructure is developed for the marginalized people in rural places who do not have a regular income. Agriculture is the backbone of Indian economy. Priority sector lending gives 40% and out of which 18% is for agriculture.


F2: No No! The government is spending so much money in rural infrastructure. Do you think it is right?  
ME: (Now I was clear) Mam so much spent on the rural infrastructure for the upliftment of the society for sustainable growth.


F2: Tell me one good reason why i have to hire a engineer?
ME: If you would ask me the same question 50 years back i would have said engineers lack in few aspects. But now it's not the case. Engineers are trained professionals who are taught management skills while studying engineering. The only thing that they would lack is in accountancy and commerce knowledge. I think we could overcome that by having the willing and attitude to learn.


M2: So explain in simple terms what is banking?
ME: It is business activity where it primarily accepts deposits and lends loans.


M2: Any other service does it offers?  
ME: It's auxiliary services are locker facilities, credit card, debit card, bancassurance and ATM.

M3: Can you name any 2 schemes named after the Prime Minister? 
ME: Sir, After former PM hon'ble Atal bihari Vajpayee - APY and after After former PM hon'ble Indira Gandhi PMMVVY.


M3: No No! You are saying very old schemes any new schemes?
ME: Sir, PMJDY.


M3: Have you heard PMJJBY?  
ME: Yes sir, it is for age limit between 18-50 yrs. 


M3: What insurance is it?   
ME: Life insurance sir.


M1: So Vignesh, recently our Hon'ble PM Modi visited Madurai and a few people were showing black flags. What do you thing is it right or wrong?    
ME: Sir the government taking many steps and are forming many schemes for each and every state equally without any partiality. Few people may be against the schemes so they are showing black flags.(I was trying to be diplomatic)


M1: That's okay.What do you thing is it right or wrong?   
ME: Sir protesting is not unconstitutional and it is a part of democracy. So,it is right. 


"Everyone was done and said thank you".


ME: Thank You Sir and Madam!


I am an engineering graduate in ECE from chennai. I completed my graduation in 2017 and started preparing for bank exams. I failed in RRB clerk'17(mains), IBPS PO'17(prelims) and IBPS clerk'18(mains). So don't worry if you have not done well. Don't lose and keep putting your efforts consistently. Definitely you will clear the exam one day.


At this point I would like to thank my friend Siva Subramanian who is the reason behind me choosing to prepare for bank exams and without him I would not have definitely cleared the exam. I also also thank my friend Subhash for motivating me whenever I felt low. 


Overall My interview was good considering it was my first attempt. Hopefully i get placed. I would be really thankful if my experience helps someone.  

PS: I took mock tests  from Bankersadda for both prelims and mains for IBPS PO/CLERK. The prelims and mains pattern was similar to that of ADDA247 mock tests.I am immensely grateful to the ADDA 247 team.

Disqus ID: Hermu
Date & Time: 04-02-2019, 8:30 AM
Venue: BOM STC, Pune
Qualification: M.Sc Mathematics

Max Interview was taken by  M1 (Head Panelist), M2 and a lady F1, others were just observing.

"Wished Everyone Good Morning"

Started with Introduce yourself then Whats your job at your branch (As I said I am currently working As a clerk in Bank of India). There were few Yes\No type questions at first like:
·        Can we open TD Jointly? 
·        Can we issue ATM/ Cheque book to minors etc?
·        How much I will be charged if I don’t pay my credit card dues? 
·        Do you have Credit card?
·        Have you read today's newspaper?

M1: What is Nomination?
ME: It is facility given to depositor that they can nominate any person as a nominee to whom deposit can be given after death of depositor, It comes under section 45ZA of Banking Regulation Act, banks get valid discharge by transferring that amount.

M1: As you said, Banks get valid discharge by transferring that amount, is nominee owner of that money?
ME: No Sir, He is just caretaker of that money , Legally bound to transfer it to legal heirs.
M1: (corrected me) He is not caretaker, He is “trusty” of that money.
F1: Can we nominate more than one person for single account?

M1: What is MCLR?
ME: MCLR stands for Marginal cost of fund based lending Rate, bascially there are 2 factors which determines it, 92%-Marginal cost of fund i.e. At what cost bank got that money and 8% comprises of 3 factors again and those are Operating cost, Cost to carry CRR, Tenor premium.

(There was one cross question over it , which I couldn’t answer)

M1: There is one term called Confidentiality in banks , so in what circumstances banks can share Information about customer?
ME: When Customer is willing to do so or when Police authority asked for it.

M1: See, There is CBS in all branches , So, Any staff sitting at any branch can see Transaction done by any customer anywhere So, Isn’t this breach of that confidentiality
ME: I got bit confused, Just ended saying Sir, its just there should not be Any misuse of the information, But He was not satisfied with my answer

M2: What is Consortium and Syndication?
ME: These are the terms used when Multiple banks Finance to single borrower But when it involves different currency and International transactions , its called Syndication.

M1: What is EMI?
ME: Sir, Its Equated Monthly Installment.

M1: How to calculate it?
ME: There is formula for that, (As I couldn’t get what he was asking exactly), so ended saying I just read about it in Accounting paper in JAIIB.

M1: (Very Curiously) So Are You preparing for JAIIB?
ME: Sir, I’ve already cleared it ( Lady panelist interrupted saying Sir, She has already completed 1.5 years of service in her bank) So, M1 said then, You can become officer in your own bank. Then I said Sir, I’ll be eligible for it next year that too depends upon the vacancy.

M2: When Bank deduct TDS on FD?
ME: When Interest Income exceeds , earlier it was 10,000 now its Rs.40,000

M2: At What Rate?
ME: @10%

M2: What is dormant account and freeze account?
ME: Answered.

M1: Your Bank came out of PCA Last week, How?
ME: Sir, Bank performed well On all parameters Except on Negative ROA, Net NPA of our bank is reduced and CRAR is improved , our bank has given commitment to RBI That it’ll comply with PCA Norms and Also GoI has given assurance that Capital requirement of this will be taken into consideration. (Here, M-1 Asked exact Net NPA %)

Then there were 3 questions on my academics.

M2: What is Lattice theory, what is discrete Mathematics and what is fuzzy Mathematics.
ME: Answered first two shortly and then explained fuzzy mathematics as- Fuzzy Mathematics is branch of Mathematics which deals with study of Fuzzy set theory and Fuzzy logic, A fuzzy subset A of X is a function A:X tends to L in the interval ….( No Cross Question over it)

M1: Was just waiting me to finish my answer, He said Well, You decided to work in bank only?
ME: Yes Sir.

M1: So, Who is Your Role Model?
ME: Honestly, I wasn’t prepared for it. Answered like – Sir, First of all, My parents, then  Chhatrapati Shivaji Maharaj is my role model. He is symbol of excellence and One should always try to be Shivaji of his field. This is what I feel.

M1: Aur bolo, Anyone from Banking Industry?
ME: Not role model, But Yes , I do follow Mr Raghuram Rajan and Mr. Urjit Patel, I read all about them.

M1: Not Shaktikanta Das? And they all started laughing.
M1: Thank you! All the Best And good day.

It lasted for 20-25 minutes.There were few Personal questions too like Fathers occupation, my place of posting , and about my current branch. 
Name: Gaurav Kamra
Address: Gharsana, Sriganganagar
Date: 2 Feb 2019
Time: 8:30 AM
Venue: Jaipur
Panel: 1


Documents verification and biometric authentication went smoothly without any problem. 
The interview conversation was mostly in Hinglish.

Panel: 5 Members
Total Members: (4 Male, 1 Female)

M1: So, you are a mechanical engineer. To aap muje koi 3 unique reason/qualities btaiye ki mechanical engineer ko banking sector me ku le. Esi kya qualities hoti h mechanical engg m jo baki branch wale engg se alag ho (in the context of banking). Dont give me cliche answers ki hard work, analytical ability n all dat bcos wo to sbi me hote h.

M2: aapne 1st preference kya fill ki h form me.
(as I have filled PNB. then next ques was)

M2: PNB me scam hua tha Uske bare me btao.

M2: LoU kya hota h? Scam pta kese chla?

F1: Scam pkda kisne tha? Auditors ne?

F1: Bank Rate and related cross questions.

F1: Repo rate and related questions.

M3: Fuels ki properties btao jo aap fuel me check krte h.
(answer me m unhe BS fuels tk le gya. Then next qs was)

M3: BS3 and BS 4 me kya difference h.

M3: India me BS 4 se BS 6 me shift ku kr rhe h. BS 5 me ku nhi?

M3: Srinagar k bare me btao wha safe the aap (my college was in Srinagar).

M3: 3 saal kya kiya aapne job resign krne k bad? Kon kon se exam diye kya result rha?

M4: Ganganagar k bare me btao?

M4: Crops konsi hoti h wha?

M4: River konc flow krti h? Agricultural land ki koi problem btao?

M4: Salinity ku h?

M4: Sugar mills ki problems solve ho gyi kya wha?

M1: Ok u can go now! All the Best!
Name: Shubham Bijekar. 
Date: 04/02/2019
Place: Indian Overseas Bank, Chennai
Time: 8:30 AM

My number was 14th and then after successful biometric it was time for DV. They only asked me 10th marksheet, consolidated marksheet, degree certificate and aadhar card. Finally my number came at 11:30 AM.

Panel I: 5 Members
Total members: (3 Male, 2 Female)
"Entered the room with a knock. Greeted them and then they asked me to sit. Thanked them."

M1: Shubham where are you from?

ME: Sir! I am from Nagpur and settled in Chennai.

M1: Introduce yourself
ME: Introduced about myself with name, educational qualification(mechanical engineering 2016 passed out), parents occupation, siblings and hobbies.

F1: How will your graduation help in banking. Why are you shifting your sector?
ME: I told about helping in vehicle loans. Explained well.

F1: Don't you think engineers grabbing seats of commerce student in banking sector?(all panel members laughing)
ME: Told about analytical skills. Explained well. She seemed to be satisfied.

F2: What criteria will you see when you give a vehicle loan?
ME: Told about CIBIL score, annual income of customer.

F2: What is CIBIL AND CRISIL?
ME: Told them in detail. She was impressed.

F2: What other can Mechanical Engineering help other than vehicle loan?

ME: (Strucked) then said Farmers tractor, pump motors for Farmers. Maam was like ok beta bas.

M1: Tell me about SEBI.
ME: Explained it and told about share IPO FPO.

M1: What is primary and secondary market?

ME: Told. He seemed to be satisfied.

M2: What have you been doing since your graduation?
ME: Told about getting job in IT which I was not interested and told about government job preparation.

M2: What is difference between overdraft and demand draft?
ME: Explained well. All were satisfied.

M3: What is AML?
ME: Got confused between AML and ALM. coud'nt recall. Said sorry.

M3: No problem. Who issues aadhar card?
ME: UIDAI.

M3: What is that?
ME: Explained that but did'nt recall full form.

M1: So what is latest technology adopted in Railway? (as father was in railways)
ME: Explained about train 18. Complete details. M1 seemed to be most interested about it. Asked further more questions about it. Answered it very well.

M1: Very good. Shubham all the best.

ME: Thanked everyone and exited the room with smiling face at 11:40 AM.

Overall was good experience and Panel members were friendly and it was more or less a 2 way communication rather than the interview. Hopefully gets cleared.
AME: Shalini
VENUE: Chandigarh
TIME: 8:30 A.M.

I reached venue at 8 AM. This was my first interview. As I am from commerce background so the questions were more related to banking sector. Interview lasted for 5-7 minutes. It was rapid fire interview.

Panel IV: 5 Members
Total members: 6 (4 Male, 2 Female)

Q1: Introduce Yourself?
ME: Answered

Q2: What is fiscal deficit?
ME: (Bit Fumbled) Answered.

Q3: What is GDP?
ME: Answered.

Q4: Why do you want to join Banking Sector?
ME: Answered.

Q5: Do you think you have leadership qualities?
ME: Answered.

Q6: What  is NPA? 

ME: Answered.

Q7: What is PCA?
ME: Answered.

"Some cross questions related to PCA."

Q8: Which Banks are under PCA and what are the restrictions?

ME: Answered all questions. They were satisfied.

Q9: What is SLR?
ME: Answered.

Q10: What is CRR?
ME: Answered.

Q11: What are the services Bank provides?

ME: Answered.

Q12: Do bank invest in social development?

ME: Answered.

Q13: Question related to RBI Reserve & issue with union government?

ME: Answered. They were satisfied.

"In the end female member said well done!"

Overall it was a good experience. Hope for the Best!

NUMBER 16
Name: Pratik A.
Date: February 3, 2019.
Venue: Bank of Maharashtra, Staff Training Centre.
Time: 8:30 AM

Centre was very nice, friendly staff, water, tea-biscuits, restroom everything was available. First we were given a self deceleration form in which we had to fill the order of the docs that we are going to submit. I was 11th but my interview happened at 4th number itself as I was done with bio-metric and doc verification early. The panel had 5 members. Average age of panel was around 55 - 60 years.

Panel I: 5 MembersTotal Members: (4 Male, 1 Female)

"Good Morning Everyone."

 Panel: Good Morning.

M2: So Pratik form where and in what have you done your B.Tech?

ME: Told.

M2: How many student were there with you in your final year. 

ME: Fortunately I knew. Phew!

M2: How many percent got placements?

ME: I thought he asked did you got placed? Then told the correct answer.

L1: Why didn't you try for other companies? Why are you coming for banking?

ME: Told.

 L1: Tell me 5 auto mobile producing companies in Pune. 
ME: I was trying to recollect and tell she stopped and said " Tata Motors is there". She wanted to here tata motors.

M2: Tell me the names of the cars that your company produced?

ME: I was in General Motors....as thing happened I was telling them and he stopped me and said " Are bhai Cruise bhi toh hai " . Jeez!! how can I forget my favourite car.

M2: Why did you left your company?
ME: I was laid off as the company closed its operations in India.

M2: What did you do for two years?

ME: Told at the end I said I have also invested in stock markets.

M2: What are Mutual Funds, What are its type? What are Hedge Fund?

ME: Told.

L1: What is difference between FD and a Debt fund?

ME: She was looking an answer from a taxation perspective. I fumbled.

M1(God Finally): Who is a will full defaulter?
ME: Told.

M1: Who is a defaulter?
ME: I fumbled again. I said " Person who doesnt pays his loan" They wanted answer as "A person who does not pay loan on or before dur dated duck.

L1: Difference between banks and NBFC
.
ME: Told.

L1: Have you heard anything about ICICI bank?
ME: Told (poor Mrs Chanda Kochar!)

M2: Ok! tell me something about yourself. 

ME: (I was like what the duck!) Sure Sir, then told the answer with necessary improvisations.

"M3 was just looking at me. M4 was busy looking outside window and doing something on mobile".


L1: Ok thank you Pratik. We wish you luck.


Interview was good. I fumbled at few places. I say most important tip is " Keep Clam and Crack your interview."

Hope this helps!
https://www.bankersadda.com/2019/02/ibps-po-viii-interview-experience-16.html

THANKS

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