Interview Experience: RRB General Banking Officer Scale 2

NAME: NILESH TEJSINGHRAO MOROLIYA
INTERVIEW FOR: RRB GENERAL BANKING OFFICER SCALE 2
VENUE: HOTEL VARSHA INN, AURANGABAD
DATE: 17/01/17
TIME: 8:30 AM

INTERVIEW PANEL: 1 Lady and 5 gentlemen . 
All of them were senior bank officials above 50 years age.

Personal Questions:
M1:  What is your name?
Me: Sir, my name is Nilesh Tejsinghrao Moroliya

M1: Where are you from?
Me: I belong to a small village of Nagpur district.

M1: Which place in Nagpur?
Me: Sir, Taluka Katol

M1: Tell us about your family?
Me: Sir, my family includes six members, father, mother, younger brother, wife and 3 years old daughter. My father is a farmer.
M1: daughter? Ohh great

M1: Abhi khet me kaunsi fasal hai?
Me: Sir, gehu, chana

M1: Aap khet me jate ho?
Ha: Sir jab bhi waqt mile mai khet jana pasand karta hu

M1: Nagpur ka orange bahot famous hai, aapke khet me orange ki fasal hoti hai?
Me: Orange to nahi sir but mere khet me mosambi hai.

M1: Is sal kitne rupaye ki mosambi hui?
Me: Sir, 70000 ki, is bar demonetzation ki wajah se rate gir gaye the isliye income hua.

( I intentionally used the word demonetization, I had reminded all the facts regarding demonetization. But they didn't ask any question on this)

M1: To abhi kaunsa bahar chal raha hai?
( Unable to remind again, jaldi me bol diya)
Me: Sir, winter bahar
(All started to laugh)

M3: Ye kaunsa bahar hota hai bhai?
(Suddenly I reminded and said)
Me: Sir, Ambiya bahar bolte hai use

M2: Ambiya bahar kyo blte hai?
Me: Kyoki sir isi season me aam ke pedo ko bahar aata hai, isliye Ambiya bahar kahate hai.

M1: Aaj kal kya kar rahe ho?
Me: I have been working in Tirupati Urban Cooperative Bank as clerk cum cashier.

M3: Kitne sal se kam kar ho waha?
Me: Sir, 2 sal aur 3 mahine se

M1: Which kind of work did you handle in TUCB?
Me: Sir I have worked in differnt areas of banking including cash, clearing, diposits, Rd/Fd, social schemes and all the counter work except loan.

M1: TUCB bhi Clearing me participate karti hai,?
Me: Yes sir

M3: Is it local bank?
Me: Sir the operational area of bank includes Nagpur, Wardha, Chandrapur, and Mumbai also.

M1: Where is the Head office of your bank?
Me: Sir in Nagpur

M1: Aurangabad me hai kya branch?
Me: Sir Aurangabad me bhi branch thi, as it was occuring losses, managment decided to shut it down.

M1: What is CD Ratio of your bank?
Me: Sorry sir mujhe yad nahi hai.
(I could easily answer the question as I knew total deposit and total loan given by bank, but CD Ratio ki actual concept yad nahi aa rahi thi)

M2: What is CD Ratio?
( based on my previous question anser, M1 said)

M1: Jitna pata hoga utna hi batao
Me: Sir, CD Ratio is related to loan. It is the percentage of loan given by bank.

M1: Right to some extent
( Then he explained the whole concept)

M2: What is Priority Sector Lending?
Me: Sir, RBI has made it compulsory for all commercial banks including pvt sector banks to reserve some percenatage of their total loaning for priority se tor i.e 40 %. Priority sector includes agriculture and allied activities, farmers, land labours, artisans, small and tiny industris. This sector reqires to be provided special attention by banks.

M2: Where did you work before Tirupati Urban Cooperative Bank?
(I was not able to recall the full name of company, and fumbled. In hurry I said)
Sir, I was working With Cooperative society.

M2: Which cooperative society?
(Now I pressurised my mind, and then said)
Me: Sir, it was Samruddha Jivan Multistate Multipurpose Cooperative society.

M1: News paper me aaya tha ke Samruddha Jivan me kuch fraud hua tha, kya hua tha waha?
Me: Sir, Cooperative societies can give loans but are not authorised to accept deposits from public. SEBI had warned the director against raising funds from small investors still the company continued the practice of accepting deposits from public. It is now under CBI scanner in connection with Odisha mega chit fund scam.It was running the business of chit fund. According to the SEBI the society was running the bussiness without proper approval.

M1: Accha to isliye aapne resign kar diya?
Me: Nahi sir, maine ye scam hone se pahale hi resign kar diya tha. I was always attracted towards banking sector and i preapred for banking exam a long time before. I wanted to join govt bank, meanwhile I got an opportunity to work with TUCB bank.So in order to enhance my skills and experience in banking area I resigned SJMMCS and joined TUCB.

( I expected a question ," you were working as Officer in SJMMCS then why did you join TUCB as clerk?"I had prepared for this question well in advance but they didn't ask)

M1: Aapki bank bhi SJMMCS jaisi to nahi na?
Me: Not at all sir, it is doing good.

M1: You will be going to work for RRB in rural area, how will you help the farmers?
Me: Sir being a villager and rural oriented person I can understand the mindset of rural people. I am well aware of the problems faced by them (interuppting me M1 said)

M1: Kis tarah ki problems face karna padta hai rural area me?
Me:Generally they dont have sufficient money at the time of kharip and rubby season, so take loans from money lenders who charge high rate of interest. Sukha pad jaye to jo invest kiya ho wo bhi wapas nahi milta. In this case the tend to commit suicide.

M1: Agar sukaha pad jaye, aur kisan loan wapas karne me unable hai to being a banker aap kya karoge?
Me: Being a banker, I ll make sure that all the schemes launched by govt related to agriculture reaches to farmers so that they will not go to money lenders.
As the RRBs are special purpose bank working for the development of rural economy and for upliftment of farmers it will be my resposibility to give more time to farmers to repay the loan in case of draought and not to haarrass them like money lenders.

M3: Which schemes have been launched by govt for farmers?
Me: ARYA( Attracting Rural Youth towards Agriculture), Pradhanmanri Krishi Sinchai Yojana, Soil Health Card, Paramparagat Krishi Vikas Yojana, Price Stabilization Scheme, Krshi Dak Yojana.

Panel Members : That’s all .. Nice talking to you, you can leave now .All the best.
Thank you all.
This interview lasted for 15 minutes . Only the head of the panel seemed to be enthusiastic and was asking questions rapidly. The lady was given chance by the head of the panel but she didn't ask a single question.

I Hope this would be helpful for those who are having interview in the near future.
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