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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.

Suggestion:

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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