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IBPS PO Interview Experience - Siddharth Jain

Published on Friday, January 30, 2015
Name: Siddharth Jain

Venue: Bank of Maharashtra( Fort, Mumbai)

Interview Date: 28-01-2015

Time: 01:00 pm

Panel: I

Document Verification:The first stage is document verification stage. Please carry all your documents including extra-curricular activities certificates original as well as Xerox.

Interview: I was second candidate for interview. There were around 20-25 candidates in my panel. So, my turn came up within 20 minutes after document verification stage. I dint even get time to think something. I entered into the room. There were 4 males (M1, M2, M3, M4) and 1 female(F5) panellists.

M1 was the main panellist. He asked most of the questions. As soon as I entered, he started asking me about me and about my MBA project.

M1: Tell us something about yourself and your project.
Me: Answered. I told my achievement of IIM-A invitation in this so cross questioning on that.

M1: Why did you go to IIM-A?
Me: I explained how I went through an Essay writing competition and spent two days with PGP students.
M1: So you wrote essay on Sanitation in India? Why?
Me: I explained. Then he mockingly said he want to read my essay.
M2: What is IFSC code?
Me: Explained well.

M2: Then what is MICR code? (To give me stress)
Me: I simply said I can’t recollect.
M3: What are Banking products other than Accepting deposits and giving loans?
Me: Explained well.

M1: Tell us more related to Rural Banking products.
Me: Explained Microfinance, Kisan Vikas patra.
M1: What is Kisan credit card?
Me: I explained Kisan Vikas patra but he was expecting Kisan Card. I said I don’t have an idea.
M2: So you are MBA(Finance). Do u know Ratio Analysis?
Me: Explained.

M2: What is Current Ratio? What is Ideal Current Ratio?
Me: Explained.
M2: If Current Ratio is 5:1. Is it good or not?
Me: Explained. I said good. Some cross-questions on this.
M2: Components of Current Assets?
Me: Explained.
M1: If Bills Receivables is 80% of current Assets, then Is 5:1 ratio good for company?
Me: I said in that case it is not good and explained. They were satisfied with answer.
M2: What is DSCR?
Me: Debt- Service Coverage Ratio. Couldn’t explain.
M2: He said its o.k but tell us is it used for short term or long term?
Me: Explained well. Long term. He was satisfied.

Overall, it was a good Interview from my side. All panellists were satisfied with my answers. One female member and 1 male member din’t ask anything. They were just observing. I was confident throughout the Interview which helped me a lot. Because of my confidence they didn’t do much cross questioning with me.

Last but not the least, My Interview was a bit different from general ones. They din’t ask any question on Why Banking? Why PO? They asked questions more on my subjects(finance) and my extra curricular activities.


1. Be confident.
2. Don’t be nervous.
3. Keep yourself cool.
4. Believe in yourself.
5. Read general Banking questions.
6. Prepare questions on your own profile.
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