IBPS PO IV interview prep

Bank PO IBPS PO 2018
801

Interview Venue- Dehradun Malik Chowk. 27th Jan 2015.

I entered the room and wished them. They asked me to be seated. I sat down and thanked them. The senior member in the panel. He asked me first. Your training is irrelevant for your degree. I am a mechanical engg and training in Automobile sector is irrelevant. Wow.. I was surprised. I answered. Cross questioning again and again.

2nd member- I think he has done Bsc or somthing. 3-4 questions non stop fired on me. All related to chemistry and physics like Bohr's Theory. I am a mechanical engineer. Why did they asked me that. Again surprised.

3rd member- What you have read in banking. I answered that I have read about basic rates and accounts etc. He said you are not supposed to know about the repo rates and others and suddenly started asking about the Banking Acts. Wtf? You dont suppose me to know about the rates and you are asking about the acts and its sections. Next question was from the types of loans. Never listened about them.

4th member- What do you know about sportsman spirit? At last something that I answered.

5th member (A lady)- What is TDS explain. Again not answered.

Then they said you can leave.

Surprised by the nature of questions they asked from me. I have not read anyone's interview experience like me. Completely irrelevant from my field of knowledge and basic banking.

Completely fucked up interview.

802

Interview venue- Noida, 27th Jan 2015

I was the fourth last in the list for my panel. 

I asked permission to come in. They said ok. I entered the room and wished them good afternoon. Then asked permission to sit. 5 very senior panelists were sitting there and the lady panelist was sitting towards an extreme side.     

I tried to bring the chair closer to their table becoz i thought my chair was placed too far away in the room. Later i realized that the chair was intentionally place far so that they could see my body language. 

In my case, the chief (center) panelist was looking very sternly with a very very angry look. That made me really nervous. 

Main panelist- introduce urself 

i fumbled....told my name...my education... then out of nervousness i cudnt speak for 15 sec. But i picked up my confidence very well from that point. i continued and told about  my parents' job..the languages i knew...hobbies. 

So, even if the panelists are looking at you angrily, that means they're trying to make u nervous intentionally in order to see ur reaction/body language. 

now questions were asked.

main p- tell me about PPE...

me- sir , u mean PPP ?

main P- ok tell me about PPP now

i told what i knew about it 

main P- that means the govt of india is very lazy..that it gives all its work to be done thru the private partner..what do u say?

me- sir, i think the govt does it for better efficiency as it reduces the govt's time and effort to arrange resources.

main P- but whats the need for PPP?

me- Sir, PPP become necessary when the govt has to build projects where there is requirement of large SKILLED manpower and lots of funds. The govt's burden is reduced as the private partner arranges for it. At the end, the govt is going to own the public infrastructure. 

main P- that itself means that our govt is very lazy...that it finds it a burden to arrange resouces. 

me- sir, i only know that PPP helps in good governance, it helps the GOI to focus on other important issues. I donot know anything else about PPP. That's all.

2nd P- you are going in the right direction. main P- yes yes you are going in the right direction. You can think..

Me- (slightly smilingly)Sir thank you for that comment. I can guess though. But i know that dont know anything else. and i dont want to guesstimate wrong answer.

Main P- what are the major problems faced by banks today?

me- Sir the main problem which is giving sleepless nights to public sector banks is NPAs

MAIn P- Okay tell me what are NPAs

me- i told definiton...and explained..then told the names of types of NPAs. like loss asset, doubtful asset etc. I was going to explain those but was interrupted

Main P- no, dont tell me about types of NPA, tell me why NPA is bad for banks...

me- i explained how NPAs dont bring in interest revenue for banks etc....(he seemed satisfied)

Main P- tell me more problems face by banks nowadays

Me- Sir, i havent read about this problem in books, but i feel that banks suffer from a major employee retention problem which consumes time, resources of banks.

Main p- if retention is a problem, then why there are so many candidates outside for interviews? (maybe he wanted to argue i felt)

me- sir, i feel that employee rentention is a problem because the avg age of bank employee nowadays is (again interuppted)

p2- no, tell me, if an employee loves banking but isnt't efficient and another is opposite, then who's better?

me- sir, a balanced employee would be better who has the zeal for banking, who loves banking, and who is willing to learn the nuances of banking. I feel that if a person has the passion for banking then he can learn the required things and perform at par with any commerce , finance graduate.

Main P- tell me about gyan sangam which was attended by modiji recently.

me- i dunno.

p2- u dont know about it?

me- no sir, i havent heard of it.

Main p and p2, look at each other, then main P tells me that u can go. I thank them by looking at every panelist. and come out.

That's it friends....

. 

803

so i m finally done with the interview. although i know its late now to give review, but still may be its useful for someone.

place-tps shastri nagar jaipur

my qualification- mba finance,bcom

imp. points.

1. you need to fix your photograph on the application form as well. so keep extra photograph with you.

2. make sure the id card you are carrying also have your father's name in full.(my mark sheets n application form had my father's name in full but in license only initials were there, so the officials over there were not convinced.)

here are the questions which were asked.

1.you have appeared in all the ibps pos and cleared all of them,then why werent you placed?

2.what is the forex rate?

3.what are contingent liabilities?where are they written.(i was asked this question last year also.)

4.debt equity ratio

5. monetary tools used by rbi?

6.bank rate and repo rate

7.recently European union took some decision which is being discussed these days coz due to it rupee value is going down.(i still dont know the answer)

8. what is capital adequacy ratio?

9.when were banks nationalized and how many

10.basel 3 norms are to be adopted by which year?

thats it.

p.s. the best part 8.30 i entered the venue and 9.45 i was out of the interview room 

804

Yaar mera interview to 5 min chala bas... I answered what they asked but still i don't knw what to expect.

805

Interview Venue - Ranchi                                                                                        Strangest Interview  of my life. They asked one question in three differnt ways  "If I am selected. How I will survive in Village".  Told me " beta hum log ka time to alag tha humne wo time dekha hai jab TV black & white hota tha. Aap kaise sustain karenge village ka environment". Jan Dhan ke bare mein pucha to maine kahan sarkar ko grass root level tak financial inclusion le jana hai, to bole grass root ka matlab samajhate ho? maine bola haan sir every nook & corner, To fir bole ki jharkhand mein aise v gaon hain jo govt. tak bhool gayi hai wahan jaa ke branch kholna hoga kaise jaiyege.

Four question from Finance.                                                                    1. Who are venture captitalist ?    Answered                                            2. Difference between VC & PE ? Partial Answer                                     3. Difference between fund flow & cash Flow? was not sure so said sorry.                                                                                                          4. What are lead banks ? said sorry dont know.                              Rest 10 mints were about my past experience of private banks, they discussed about why private banks change their staff frequently. 

Overall it was good. Fingers crossed. 

806

when they ll show our marks

807

someone plz clarify...what is difference between ORDER and BEARER cheque....

808

Types of loans? Anybody know about it?
 This was asked in the interview.

809

Someone kindly tell the Salaries of 

PNB, ECGC, IDBI in hand and Gross/CTC.

810

I want to share a different experience. But I want it to be posted as an article. Where can I?

811

I am eligible. But are the interviewers eligible?

This post is somewhat lengthy and not exactly related to current interview process, but I request you to please read it till the end.

Days were of when IBPS was yet to come up with the idea of common interview. The respective banks were taking the interviews and Syndicate Bank was the second bank I applied for. The previous clerical interview I'd given was of Canara Bank at their Karnal Office. Syndicate Bank asked us to be present at 09:30 am with our documents at their Regional Office, 48 Neelam Bata Road, Faridabad.

Faridabad was far away from my home. Plus congested Delhi come in between. Starting my journey two hour earlier, I managed to reach the Regional Office almost on time; just 5 minutes late. I reached the venue at 09:35 am. So, I asked the peon, where the interviews were going on. He showed me the way.

Inside, a verification officer was there, verifying all the documents of the candidates that were called. Interviews are going on in another room. Seeing me, he began the conversation like this

'Kahan ghuse ja rahe ho?'

'Sir, I have my interview here.'

'You are late.'

'Yes, Sir. Traffic ki wajah se thoda late ho gaya.'

'But baaki sab to time par aaye hai. Wo kyun nahi late huve?'

'Sorry, Sir.'

'Don't you know the value of our time?'

'I'm extremely sorry, Sir.'

'Tumhara interview cancel kar de?'

'No, Sir. Sorry, Sir. Aage se late nahin hounga.'

'Okie. Wait then. I will now verify your documents after these candidates.'

And so, I waited. There were 40 candidates in our panel and my name was on the sixth number. I asked the person sitting next to me about what was going on and what I missed.

'Tumhara documents verify ho gaya?'

'Nahi. Abhi sirf 3 baccho ka hua hai.'

'Hmm. Yani me itna bhi late nahin hua.'

And I was feeling happy that I managed to be present here before my document verification. I began reminiscing of my interview experience at Canara Bank; how it rained heavily that day, how they gave us a Samosa and Chai treat, and how cheerful all the experience was. Now here, after two more candidates, I stood up and went for verification. But.

'Nahin, tumhara number baad mein ayega.'

'But, Sir.'

'Abhi baitho aap,' he said finally and shouted another candidate's name, 'Pradeep, Verification ke liye aaiye.'

And I felt crying, but didn't cried. Pradeep's turn was next, but this Pradeep was also present at Canara Bank's interview. I pretty much remember his name wasn't Pardeep. His name was something else. And when he came back, I asked him who he is.

'Bhai kisi ko btaio mat. Me apne friend ki jagah interview dene aya hoon.'

'Thik hai bhai.'

I was sad at that time. This verification officer is so dumb he didn't even know the person he verified was not Pradeep. And sala mujh par rules and regulations ki baate thop raha hai. I was late just for 5 minutes. It took complete 2 and half hour for the whole verification and side by side interviews were also going on. And he kept me waiting for all this time. Gussa bhi aa raha tha ab, but it was the question of my career. So I kept quiet. I still kept sitting after he was done verification of all the candidates. And then he came to me and,

'Kyun bhai, ab verification nahin karwani kya? Bina verification ke interview doge?

'Sorry, Sir.' I stood up and followed him.

'Aap ek reputed bank join karne ja rahe ho. Aage se dhyan rahe, late nahin hona kabhi,' and he started giving me his lecture again. I didn't tell him how good he really is at verification.

After my verification, I still was waiting. Ab tak mera interview kab ka over ho chukka hota, agar ye badla na nikaalta to. But now I have to wait for other candidates to give their interviews first. My turn finally came in the end. Already a bad impression, plus spoilt mood, plus so many things, I entered the interview room.

'May I come in, Sir?' there were three male members and one female member interviewing.

'Yes, please.' I entered the room and greeted them, trying to be cheerful.

'Hmm. Aap hi ho jo late ho gye aaj,' and they said this as soon as I sat down in chair.

'Sorry, Sir. Main 2 ghante pehle chala tha, but fir bhi late ho gaya. Traffic jyada tha and Location bhi nahin maloom thi. So.'

'Accha ek baat bataiye. Maan lo aapke dost ne apko bulaya hai, and aap late ho gaye pahunchne me. To bataiye aapke friend ko  kaisa lagega?'

I was wondering why they're asking me this question. Well, friends ka wait to mene 2-2-ghante kiya hai, and that's what friends are for. They wait. 5 minute me to koi mar nahi jata. But still, I said, what they wanted to hear.

'Friend ko accha nahin lagega, Sir.'

'Aur hame bhi accha nahin laga.'

They were saying as if mene unka dil hi tod diya. Okie, I kept them waited for 5 minutes (and they were really not waiting for me). And wo bhi jaan boojh kar nahin. But in return, they kept me waiting for continuous 3 and half hour. KNOWINGLY!! Is this the moral way of treatment?

'Sorry again, Sir. Phir nahin hounga late.'

'Okie. Apne bare me bataiye.'

Maine bata diya.

'Ohh, to reading aapki hobby hai,' the lady member asked. 'Recently konsa novel read kiya hai?'

'A Thousand Splendid Suns, Mam.'

'Indian novels nahin padhte aap? Chetan Bhagat ka naam suna hai?'

'I do read, Mam. Yes. Maine chetan bhagat ke bhi novels padhe hai.'

'Five point someone padha hai?'

'Yes, Mam.'

'Uski thodi story bataiye.'

'Mam, the story was about three friends. One talented, one protagonist who falls in love with the principal's daughter, and their friend who was very very weak in studies. The talented one makes plans and experiments and all the fun. The story begins when they were in hospital and the protagonist takes a vow that he will write about their story..'

'Okie, okie. So, aapne 12th ke baad kya kiya. Aapki 12th 2007 me ho gayi thi, but its 2012 ending now. 5 saal tak kya kiya aapne?'

'Sir, I was doing my engineering. But family problems ki wajah se mind divert ho gaya and last semester ke exams me re aa gayi. So, mene ye form sirf 12th class ke base par fill kiya. I'm eligible for interviews.'

'Engineering ho gayi hogi may 2011 mein. Its October 2012 now. Is gap me aapne kya kiya?'

And I thought meri maarne ka plan hai inka. Already answer kar chukka hoon. Fir bhi ye sawal!

'Sir, as I said, family problems aa gayi thi. Engineering ke baad I fled from home to work as a labourer in a company in Rajasthan. But fir brother ne wapis bulaya and made me study for banking exams. And now I'm here giving my interview.'

'172 marks. Not good, but still satisfactory marks. Okie. Aapne engineering to ki hi h. Resistance and current, in sab ke bare me to pata hoga?'

'Yes, Mam. I know.'

'Ye bataiye. Voltmeter ki internal resistance zero honi chahiye ya infinite?

And I closed my eyes for few seconds, drawing the diagram in my mind. Voltmeter measures the voltage across a resistance. So current through the voltmeter must not pass. And that means voltmeter's internal resistance must be somewhat very high or infinite.

'Infinite, Mam.'

'Think again.'

'Infinite, Mam. I said only after much thinking.'

'Good.' She said. And then another Sir asked, 'Exam kahan diya tha?'

IBPS exam karnal mein hua tha in the month of November 2011. But now it was October 2012; almost a year has passed. Mujhe thik se yaad nahin aya kahan diya tha, coz ibps ke baad I tried for ssc chsl in ambala, ssc cgl (just for experience) in chandigarh, post office in Delhi. So, I couldn't recall, mene IBPS kahan diya tha.

'Sorry, Sir. I couldn't recall. Kaafi exams de chukka hoon 1 saal me alag alag centres par.'

'Exam tumne hi diya tha ya kisi se dilwaya tha?'

Now what the **** they are inferring?

'Sir, khud diya tha.'

'Okie, aap ja sakte hai,' he said smiling, not a genuine smile, 'your interview is over.'

'Thank you sir.' And I came out of the room.

I knew at that instant I wasn't going to qualify even this. Bahar mujhe Pradeep mila and he said his interview went well, and wo bevkoof interviewers usko pakad nhi pae. I was wondering isko wo real samajh bethe, and mujhe fake! And then this question began forming in my mind.

I am eligible. But are the interviewers eligible?

812

Done with interview!!

28/01/2015

Dena Bank Bhavan,Ahmedabad

8:30 AM Panel II (4 members..one lady and 3 other members)

It lasted for like 8 minutes and i did not even faced some questions which they usually ask  like - Why you want to join banking? What are your preference? (ECGC was at the top no questions on that. ) Not a single question from current affairs and recent Government initiatives and schemes. No question related to graduation too.

The lady member didn't asked anything and the other guy was busy playing games on PC.

I am not at all Satisfied with this experience and i want to learn from it quickly.

Asked their permission..Wished them Good morning individually. Asked me to sit and thanked them.

I was asked what i was doing ? answered..

Apart from different RBI's rates what have you studied in banking and you  know? I listed some 15-20 topics. and then they didn't asked anything  from it.

Was asked which major subjects i studied? Replied..Again no question from it.

How  banks generate income? I said they pay less amount of interest on  deposits and lend these funds on higher rates. Cross question what else? I said they cross sell Insurance and Mutual funds. ( VAS i forgot to  mention there 😞 )

What is the major difference between  cooperative banks and commercial banks? Told commercial banks are  registered per Banking Regulation Act 1949 & cooperative banks are subjected to State Cooperative Societies Acts of individual states.

What is mutual fund ? Explained.

Which are agricultural allied economic activities? ( Told Horticulture, Fisheries  And me being dumb forgot to mention dairy 😞 they pushed me by saying we know that you know it..you have move way too for by saying Fisheries..i  had to say sir i don't know and then he explained to me . )

Member 1 and 2 asked the lady and the other guy if they wanted to ask me anything or not. They said NO.

Wished me good luck and one of the panel member ( the chief ) said your concept and understanding is good . Wished me All the best for Future and Asked me when i stood up - Are you willing to relocate anywhere?  I said yes sir definitely.

Wished them Good Day and left.

Don't know what to expect from this..I am considering it as a BIG NO since i am unable find why it went like this.

(Please post suggestions in areas which i can improve. )

813

Friends, I have a doubt.. I have corrected my DOB in SSLC certificate as 1988  in 2012 and it is the right one and I also have a valid birth certificate.. But as I've completed my MBA in 2011, in my consolidated marksheet of MBA, it's written as 1989 and also in my driving licence which I gave as my ID proof it's 1989. Certificate verification people allowed me to attend interview, but they said IBPS may withheld my result.. SO what can I do now? Anyone? Thanks .. 

814

what is next after interview? marks wl b declared or what ? plz tell

815

if the panel members say good luck at the end of interview . what does it mean ? rejection??? 

816

1. Salman bin Abdul-Aziz Al Saud is Saudi Arabia's new king

i. Salman bin Abdul-Aziz Al Saud has become the new king of Saudi Arabia.  This is a highly significant appointment that puts the kingdom's future squarely in the hands of a new generation.

ii. Salman Abdul Aziz was crowned king of the Sunni-ruled kingdom after King Abdullah died on Friday at the age of 90 after nearly two decades in power.

iii. The former King was buried on Friday afternoon in an unmarked grave, his body shrouded in a simple beige cloth without a coffin. The austere, subdued burial was in line with Islamic tradition that all people - even kings - are equal in death before God.

2. Kalyan Singh assumes additional charge as Himachal Governor

i. Rajasthan Governor Kalyan Singh assumed additional charge as Himachal Pradesh Governor today.

ii. He was administered the oath of office by Himachal Pradesh Chief Justice Mansoor Ahmad Mir Mr.

iii. Mr. Kalyan Singh replaced Urmila Singh, who completed her term as Governor on January 25th.

3. Justice RK Patra probing Odisha chit fund scam passes away

i. Former judge of the Odisha High Court, Justice Radha Krushna Patra, who was probing multi-crore rupee chit fund scam in the state, passed away at Cuttack this morning.

ii. Justice Patra, a former chief justice of the Sikkim High Court, was 72.

iii. The Odisha government had constituted a commission headed by Justice RK Patra in July 2013 to hear the complaints of the depositors and take necessary steps for return of their money invested in various ponzi firms.

4. Jaswant Singh Rajput former Hockey Olympian passed away

i. Hockey Olympian Jaswant Singh Rajput passes away following a prolonged illness. He was 88.

ii. He was part of Indian hockey team that won gold medal in 1948 London and 1952 Helsinki Olympics.

iii. He played at centre-half and left-half position and formed a lethal foursome with Leslie Claudius, Keshav Dutt and Meldric Daluz.

5. Steve Smith conferred with Allan Border Medal

i. Australian cricketer Steve Smith conferred with Allan Border Medal for best Australian cricketer of the past year.

ii. Smith became the tenth individual winner of the award and held off the charge from opening batsman David Warner to claim the award at the Carriageworks complex in Redfern.

iii. The 25-year-old also took the Australian Test and ODI player of the year gongs, showcasing his dominant year with the bat.

iv. Smith scored an incredible 1,212 Test runs at an average of 86.47 and 541 ODI runs at 49.18 during the voting period of January 24, 2014 to January 10, 2015.

v. Smith, appointed as Australia's next permanent captain after taking the reins when Michael Clarke was sidelined with injury, had only secured a spot in the team in mid-2013 after a maiden century at The Oval against England.

6. Sean Abbott wins Bradman award

i. Sean Abbott has been named Australia's young cricketer of the year.

ii. He said that he felt privileged to receive the Bradman award.

Note: Sean Abbott was the bowler who bowled the delivery which led to the death of Phillip Hughes.

817

in notification in which page it is written that marks will be available through query based ???

818

what will be the final cutoff for ibps po4?

819

Just home from PNB bank. Was there for my Dad's work. And when I was leaving, the elderly Officer, a close-knit of my father, said me to try in banks.

"Main to boodha ho chuka hoon, Beta. Meri seat par tumhe dekhna chahta hoon," the exact words, he said to me.

And I smiled and left.

Random day. Unknown person. But confidence double!! 😃

820

interview is over ....how to know marks now?