IBPS PO Interview Experience 7 January

Name: Nikhil Bhardwaj
Qualification: B.Tech (ECE)
Venue: BOB Jaipur
date: 7/1/14
score: 73
panel: 2
time: 1 pm

I reached there at 12:30 pm. firstly I must tell you I faced the worst administration there, there was no one to receive us or to tell us what to do? all the candidates were in confusion, asking each other
what to do yaar? finally we asked a peon and he told us everything. then we waited for the doc verification. first candidate name was called and it was me. I was the first candidate in that batch, i went for doc verification.
they are checking following things:
1. Call letter with pic
2. Photo id proof as attached with the admit card
3. Printout of the form filled
4. Date of birth proof
5. All semester marksheets
6. Consolidated marksheet and degree
7. Other certificates

* one important thing is that they are considering the graduation date as written on the final semester mark-sheet. in have completed my b.tech in 2013. the date written on my final semester mark-sheet is 1/7/13 and on consolidated mark-sheet it is 25/7/13, thank god they are considering the result date. So candidate who are confused with graduation date must ensure that their final semester marksheet should be on or before 1.7.13 so i got my doc verified till 2.30 pm.

now my turn came at bout 3 pm after lunch. i was a bit nervous because I was the first one to be interviewed. I entered the room asking permission. there were 4 men, M1,M2,M3,M4 a circular arrangement, i have to sit in the middle of a circular table and there was a little space to enter in that circle. I said good morning to M1,M2 and M4 ( although it was afternoon then but i lost in nervousness. and M3 was busy on a call behind) they said good morning, please have a seat.
me- thank you sir

M2- so nikhil what you have done in your graduation>
me- sir, i have just completed my engineering.

M2- in which stream?
mw- in electronics & comm.

M2- so what have prepared for today?
me- sir, i met some bank managers and also read banking terms.

M2- so tell me what are development banks?
me- ....................confused,,,,,,,,,,,,, sir development bank are those which are there for the development of a particular sector. like

M2- IDBI is not a development bank, give me example?
me- yes sir now IDBI is not a development bank....but there is another bank which is there for the development of industries.................thinking a lot.........then I said yes sir NABARD is also a development bank for Agriculture sector.

M2- yes it is, tell me its work?
me- sir NABARD basically provide loans to primary land development banks and state land development banks, which gives loans to farmers.

M2- that is called work of refinance.
me- yes sir it is.

M2- what is financial inclusion?
me- sir financial inclusion is to provide sound and affordable banking services to each and every Indian citizen. specially to the weaker section and in the remote areas.

M2- is there any target group?
me- sir they are mainly focusing weaker section i mean BPL people, because of DBT

M2.....interrupting me....no m asking the target means how many people or villages?
me- sorry sir that I don't know.

M2- ok tell me what are no frills accounts?
me- sir firstly i would like to tell you that RBI has issued guidelines to comm. banks to convert all no frills accounts in BSBDA.. M2 again what BSBDA...( i think he was not aware of that)
me- sir no frills accounts are now converted into BSBDA means basic saving bank deposit accounts. these are the accounts for small depositors and opened at zero balance. but limited services are
provided in these accounts.

M2- ok now tell me how your engineering relevant in banking?
me- sir i think banking is nothing but technology these days. ATM, mobile banking, Internet banking, cbs and many other have made banking synonyms with technology. so i think that being a technocrat it will be really comfortable for me to work in such a technical environment. moreover i can solve some technical issues.

M2- for that we have technical staff, you can just plug in or plug out a system, you are not allowed to do anything else in that. me- yes sir its true but i mean that i will have a strong hand over
other non tech graduates.

M2- yes, now that you can say.
me- yes sir

M2- what is your father?
me- sir my father is an officer in Rajasthan education services.

M2 now pointed to M1
( M1 was a retired army personnel, he was observing me throughout and writing something)

M1- You tel me what is our normal body temperature?
( i dint have any idea bout that so made a guess)
me- sir, i think it is 27 degree c

M1- oh,,no its not, you r a science student, you must aware of that. dint you suffered from fever ever?
me- yes sir i did but I never used thermometer anytime.

M1- thats ok. now he pointed to M3 to ask.
( right answer is 37 degree c or 98.6 degree f)

M3 asked all questions from banking like a rapid fire round, as i went
prepared for banking, answered all

M3- firstly tell me why you want to join banking?
me- sir i always wanted to do a job which will assure me with future growth and also stability and respect in society. And i think that bank is the most caring organisation, it takes care of its employees
in all aspects. i mean if you are working really, giving your best to your bank then the bank will definitely take care of u. so these are the things which attracted me towards banking services. But the think that
most attracted me is the fast and fair selection process and the neat and clean job. i mean there is no political interference in the selection process and you will have to work freely without any political
interference. that's why I am here today.
( all of them seemed satisfied)

M3- what is monetary policy? why it is declared?
me- sir by declaring monetary policy, RBI controls the market liquidity, it is declared 2 times a year and reviewed 4 times a year and the governor has the full authority to declare it anytime. it is
declared basically to change different rates and so as to control the liquidity.

M3- who is the present Governor?
me- Mr. Raghu Ram Govind Rajan

M3- tel me how many type of deposit accounts r there in banks?
me- sir 4 type of accounts r there- saving, current, fixed deposit and Recurring deposit

M3- what is the basic difference between saving and current account?
me- sir in saving account the transactions are limited, it is basically to encourage the habit of saving in people. and the current account is for businessmen and firms, in these accounts transactions
are not limited.

M3- tell me when was the first nationalization done? and why?
me- sir the first nationalization was done in 1969 and it is of 14 banks.. it was done by Mrs. Indra Gandhi in the favor of public. the government realized that the people went to avail banking services so in there faith the nationalization was done.

now m3 pointed to M4

M4- from where you are?
me- sir i m from Alwar, Rajasthan.

M4- tell me who is MP from Alwar?
me- sir Mr. Jitendra Singh.

M4- i think he is center minister also. do you know?
me- yes sir, he is center minister of state for youth affairs and sports and minister of state for defense also.

M4- ok Mr. nikhil you can leave now.

i said thanks to all and came out.

so that's it friends.
tip to you all: be generous and be confident. its nothing but like a conversation. just read banking, current happenings and bout u. the panel is very friendly and cooperative. thanks 4 reading my experience
and i m waiting for your comments.

My Analysis
Hi Nikhil, your English is really very bad. You were writing words like "u", "ur", it took me 30 minutes to proofread your mistakes. Please use "I" instead of "i" and "India" instead of "india" , respect our country and yourself. Writing over the internet is not an email chat, you should be serious here as thousands of people are going to read this and this will hurt the reputation of this blog. At least use auto-spell checker, some common spellings such as internet, Government. Governor, relevant (lot more) were wrong.  
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  1. raman sir interview result kab ayega?....aur gen ki cutoff for final selection kitna hooga...?...plz tell me...my interview went bad..score is 82

    1. U WILL be selected sure.....82 means 32.8......if u score 50 in interview ur score will be 42.8...so be confident..bcoz cut off is not going beyond 43(in worst case) other wise a total of 42 + is safe................................

    2. anonymous, i want to ask a question that a final semester student can give the bank po exam.

    3. koi ye batayege jo document interview k time pe reh gaya tha woh ibps kaise bhejna hai ab

  2. Hello raman sir i had cleard ibps clerk 3 exam sir feel like tension and nervous dont know wat to do next sir pl help me how to prepare and give me some ideas sir it will be helpful for me raman sir

  3. Sir when filling up application gave my consolidated mark sheet date only sir for date of passing instead of my last semester mark sheet date can i able to change it sir whether it would cause any problem sir pl reply me sir

  4. Hello all,
    I had my interview on 8th,syndicate bank,jaynagar,bangalore. Panel of 4 members,3 of them asked questions,whereas 1 only kept staring.
    Basic banking questions- rbi governor,diff between banks and NBFC,recurring and fixed depoits,nre and nrie accounts( I don't know), SlR-the type of security that comes under it.
    The surprise: they asked me who selected the president of India? What would happen if he uses his diplomatic powers in a wrong way? I answer them, then they asked how powerful is Obama? compare these two president s and tell us how Obama is more powerful? I tried to explain but then he gave me some answer and told that's what he wanted to hear.
    Finally the blockbuster: role of a please, I answered, then he cut me short and said" oh the same ghisa -pita work"
    immediately I replied" not at all, I met a manager once who was so enthusiastic,energetic,his work was so much adventurous......that i descided that moment that this is where i want to be".
    YOU may leave now,and when i got up,they asked whats ur score,i told 68,ok,and are u willing to join anywhere? U have a kid,how will you manage? I answered.they said ok,then u dont have probs,fine,thank u.
    Overall I felt good with my experience. Ramanujan sir, please let me know your opinion, are they offering toffee to everyone, because in my panel they were not. Also what about asking the score?
    tips: keep your spirit high, they are checking your confidence and composure. For many questions, they asked "are you sure, is it... or....? " just to confuse you, stick to your answer if you are confident. Maintaine your smile till the end, however hard your heart beats.just keep looking out for that golden oppurtunity where you can make that perfect impression,till the end i never knew that i can tell thatanswer in such a convincing manner.The obama thing is an example,they can just ask u anything,they are testing your presence of mind,becauce these are somthing you can never study.so frnds,bang them with your confidence,they are sure to hire you

  5. Raman sir, plz post on the expected result date, many are waiting for the same

  6. hii Raman sir,
    please tell me is there any chance of getting selected for those who have got 66 and the interview was good please give your frank opinion.

  7. I have a doubt I have mentioned my consolidated mark sheet date for graduation date will there be any problem ? pls clear it

  8. hi i got 40 marks in HI category...I did interview well...what are my chances? pls reply

    1. Raman sir ...pls reply for my above query...May i know when will be po 3
      results out?

  9. sir is dere preference of job candidature and higher degree

  10. U realy a briliant stdnt...GUD LUCK.....


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