Interview Capsule by BA

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As you all know, Interviews of State Bank of India for the post of Probationary Officer are commencin from !
shall be conducted for "# marks $%" marks for &' ( %" marks for Interview)
shall be %#marks. At the end, merit will be calculated in the ratio *"+%", out of which *" is from ,ritten -.a
But to compete with others, securin the ma.imum score is important, which can be achieved by proper preparations.

,hat to prepare for Interview/ Althouh, predictin e.act 0uestions is not possible, there are certain topics and a
to be touched by panelists durin an interview.

Bank interviews are basically based on six areas.

1. Your C.V.
2. Banking Knowledge
3. GK (Current !!airs" and Co#$uter Knowledge (Basics"
%. Current &ecruit#ent (i! any".
'. ()y Banking *ector+
,. ()y Govt. -ob+

1. Your C.V. . 1or any interview preparation, a candidate should prepare a detailed bio data of yourself i.e. your 0ualifications, your
place of birth, places where you have studied, your hobbies, e.tra activities,
your family etc.

2. Banking Knowledge+ If you are oin for bank interviews basic bankin knowlede is necessary. 2he followin basic bankin
terms will help the candidate.

3. Current !!airs. Be thorouh with current affairs from past three months. 3ecent awards, 4a5or issues, Sports related
0uestions, State &overnors and 6hief ministers, 6ountries, 6apitals, 6urrencies etc..,.

Co#$uter Knowledge. Be thorouh with basic computer terminoloy. -.ample+ ,hat is
If you have any certificate, it will be an added advantae to the candidate.

%. Current &ecruit#ent (i! any". If you are employed anywhere, you must be asked about that orani7ation.

'. ()y Banking *ector+ / 2his 0uestion is very important and has been asked in interview boards reularly. By this 0uestion
simply they want to know, why you want to 5oin bankin sector.

If you are oin for Bank 6lerk interview with 4BA846A8 4.S68 42ech derees/ If yes, either
be headin in your way+
1. ,hy you want to 5oin as a 6lerk with technical deree/
2. Aren9t you over0ualified for 6lerk post/

,. ()y Govt. -ob+ / ,hen you are oin for any ovt. 5ob interview, you have to very clear in your mind that why you want to 5oin
ovt. sector.

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*B0 12 231% 4xa#
0nterview Ca$sule
$%" marks for &' ( %" marks for Interview)and the minimum marks to 0ualify for f
At the end, merit will be calculated in the ratio *"+%", out of which *" is from ,ritten -.a
,hat to prepare for Interview/ Althouh, predictin e.act 0uestions is not possible, there are certain topics and a
to be touched by panelists durin an interview.
Bank interviews are basically based on six areas.
3. GK (Current !!airs" and Co#$uter Knowledge (Basics"
1or any interview preparation, a candidate should prepare a detailed bio data of yourself i.e. your 0ualifications, your
place of birth, places where you have studied, your hobbies, e.tra activities, achievements, your aspirations, a little bit about
+ If you are oin for bank interviews basic bankin knowlede is necessary. 2he followin basic bankin
current affairs from past three months. 3ecent awards, 4a5or issues, Sports related
0uestions, State &overnors and 6hief ministers, 6ountries, 6apitals, 6urrencies etc..,.
Be thorouh with basic computer terminoloy. -.ample+ ,hat is 'OS, ,hat is ,,,, ,hat is :A;, etc.
If you have any certificate, it will be an added advantae to the candidate.
If you are employed anywhere, you must be asked about that orani7ation.
2his 0uestion is very important and has been asked in interview boards reularly. By this 0uestion
simply they want to know, why you want to 5oin bankin sector.
If you are oin for Bank 6lerk interview with 4BA846A8 4.S68 42ech derees/ If yes, either
,hy you want to 5oin as a 6lerk with technical deree/
Aren9t you over0ualified for 6lerk post/
,hen you are oin for any ovt. 5ob interview, you have to very clear in your mind that why you want to 5oin
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th
October %#<= and
and the minimum marks to 0ualify for final selection
At the end, merit will be calculated in the ratio *"+%", out of which *" is from ,ritten -.am and %" is from &'>PI.
,hat to prepare for Interview/ Althouh, predictin e.act 0uestions is not possible, there are certain topics and areas that are sure
1or any interview preparation, a candidate should prepare a detailed bio data of yourself i.e. your 0ualifications, your
achievements, your aspirations, a little bit about
+ If you are oin for bank interviews basic bankin knowlede is necessary. 2he followin basic bankin
current affairs from past three months. 3ecent awards, 4a5or issues, Sports related
'OS, ,hat is ,,,, ,hat is :A;, etc.
If you are employed anywhere, you must be asked about that orani7ation.
2his 0uestion is very important and has been asked in interview boards reularly. By this 0uestion
If you are oin for Bank 6lerk interview with 4BA846A8 4.S68 42ech derees/ If yes, either of the followin 0uestions could
,hen you are oin for any ovt. 5ob interview, you have to very clear in your mind that why you want to 5oin

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5ow to answer $oint 6o. ' 7 , /

()y Banking *ector+ /
i. Bankin sector is a sunrise or boomin sector of Indian
economy.
ii. It is one of the fastest rowin sector as banks are e.pandin
their reach across the eoraphy.
iii. As role of 6lerk is a multi?dimensional role, it offers
unparalleled opportunities for learnin and rowth. It ives us a
limpse of opportunities in a PS@ Bank.
iv. 4oreover, Bankin is a much respected profession in India and we et a social status and respect as a Banker.

()y Govern#ent 8ob+
i. A overnment 5ob provides 5ob security and commands much more respect in society than a private 5ob.
ii. By any chance, if some of your relates, parents etc are associated with a overnment 5ob or bankA you should cite the e.ample
of such cases and mention that you have seen these people and they have been your

6ote. ;ever answer in a openly manner BI did not et any other 5ob, or I need 5ob at any cost, 2here is a lot of pressure in private
sectorC. Dou would be countered with more 0uestions.

9ew ex$ected 1ersonal :uestions ; It is not enouh to have solid answers only for the below 0uestions
prepared for the full spectrum of 0uestions that may be presented.

2ell me about yourself. $-ven Es related to your name8place can be e.pected if your name8place has prominence )
,hy did you choose this career/
2ell us about your education/
,hen did you decide on Bankin career/
Aren9t you over 0ualified for this position/
Fow will your professional knowlede be helpful in the Bankin career/
'o you have any plans for further education/
'o you have any actual work e.perience/
,hat have you been doin after raduation/
,hy are you leavin your current position/ $ for workin professionals)
,hat other career options do you have/
,hat oals do you have in your career/
Fow do you plan to achieve these oals/
,hat do you know about bankin/
,hat is a Bank/
,hy do you want to work in the Bankin industry/
,hat do you know about our company/ $Should have an idea about
important products from various banks, ta lines etcG)
,hy are you interested in our company/
,hy don9t you 5oin some private company/
Fow is your professional knowlede useful for our orani7ation/
,hy should I hire you/
,hat will you do if you et a better offer/
,ho is your role model/
,hat are your short?term oals/
,hat is your lon?term ob5ective/
,here do you see yourself, five years from now/
,hat is your reatest strenth/
,hat is your weakness/
,hat are your hobbies/
2ell us about your e.tracurricular activities.
E9s related to your achievements/
Are you a team player/
'o you handle pressure well/
'o you have any location preferences/
,ill you relocate/

Bankin sector is a sunrise or boomin sector of Indian
It is one of the fastest rowin sector as banks are e.pandin
dimensional role, it offers
unparalleled opportunities for learnin and rowth. It ives us a

4oreover, Bankin is a much respected profession in India and we et a social status and respect as a Banker.
A overnment 5ob provides 5ob security and commands much more respect in society than a private 5ob.
By any chance, if some of your relates, parents etc are associated with a overnment 5ob or bankA you should cite the e.ample
of such cases and mention that you have seen these people and they have been your inspiration.
nner BI did not et any other 5ob, or I need 5ob at any cost, 2here is a lot of pressure in private
sectorC. Dou would be countered with more 0uestions.
It is not enouh to have solid answers only for the below 0uestions
prepared for the full spectrum of 0uestions that may be presented.
,hen did you decide on Bankin career/
Aren9t you over 0ualified for this position/
Fow will your professional knowlede be helpful in the Bankin career/
'o you have any plans for further education/
'o you have any actual work e.perience/
t have you been doin after raduation/
,hy are you leavin your current position/ $ for workin professionals)
,hat other career options do you have/
,hat oals do you have in your career/
Fow do you plan to achieve these oals/

,hy do you want to work in the Bankin industry/
,hat do you know about our company/ $Should have an idea about
important products from various banks, ta lines etcG)
,hy are you interested in our company/
private company/
Fow is your professional knowlede useful for our orani7ation/
,hat will you do if you et a better offer/

e yourself, five years from now/
2ell us about your e.tracurricular activities.
'o you have any location preferences/
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4oreover, Bankin is a much respected profession in India and we et a social status and respect as a Banker.
A overnment 5ob provides 5ob security and commands much more respect in society than a private 5ob.
By any chance, if some of your relates, parents etc are associated with a overnment 5ob or bankA you should cite the e.ample
inspiration.
nner BI did not et any other 5ob, or I need 5ob at any cost, 2here is a lot of pressure in private
It is not enouh to have solid answers only for the below 0uestions but you need to be

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0nterview :uestions !or Banking
1. &B0 Current 1olicy 7 &eserve &ates.
3epo 3ate I !J
3everse 3epoI *J
633 I =J
S:3 I %%J
4S1I KJ
Bank 3ate I KJ

2. ()at is Bank+
Ans. Bank is financial institution which accepts deposits from the public for the purpose of lendin.

3. <y$es o! banks+
Ans. ;ationali7ed banks, Private Banks, 1orein banks, 3eional rural banks, 6o?operative banks, Industrial banks etc..,

%. ()at is a nationali=ed bank+
Ans+ Banks which are owned and run by overnment of India are called as nationali7ed banks.
-.ample+ 6anara bank, syndicate bank, Li5aya bank, etc..,

<)ere are total 21 nationali=ed banks at $resent.
B)artiya >a)ila Bank is a new nationali7ed bank which starts operation in ;ovember.

1rivate bank. Banks which are owned and run by individuals are called private banks.
-.ample+ karnataka bank, karurvysya bank, lakshmivilas bank etc..,

9oreign banks+ Banks which are forein oriinated MbasedN are called forein banks
-.ample+ 6iti bank, FSB6 bank.

'. ()at is &B0 ?&eserve Bank o! 0ndia@A w)en it is establis)ed and w)at are its !unctions+
Ans+ 3BI established in <KH" and ;ationali7ed in <K=K and its head office in >u#bai.
Present &overnor of 3BI B &ag)ura# &a8anC.
0ts !unctions+
1. Issues currency notes
2. Acts as bankers bank
3. 4aintains forein e.chane reserves
%. 4aintains 633 and S:3

6ote. 3BI is also called as Obankers bankO, because all banks will have a8cPs with 3BI. It provides funds to all banks hence it is
called as BA;Q-3S BA;Q.

,. ()at are t)e 2$en >arket 2$erations (2>2s"+
Ans+ O4Os are the market operations conducted by the 3eserve Bank of India by way of sale8 purchase of &overnment securities
to8 from the market with an ob5ective to ad8ust t)e ru$ee liDuidity conditions in the market on a durable basis.

9or 4x. ,hen the 3BI feels there is e.cess li0uidity in the market, it resorts to sale of securities thereby suckin out the rupee
li0uidity. Similarly, when the li0uidity conditions are tiht, the 3BI will buy securities from the market, thereby releasin
li0uidity into the market.

E. <y$es o! accounts in banks+
Ans. *avings bank account ?*B aFc@. 2he main purpose of SB a8c is to encourae small savins from the public. Interest paid on
SB a8c is = percent.
Any individual can open SB a8c. An Indian residin at abroad can open a ;3I a8c. ;3I represents non?resident Indians.

Current account. It9s a runnin and active account. ;o interest is paid on current a8c.
6urrent accounts can be opened on firm names. -ven individuals can also open current a8cs. But on firm names you cannot open
SB a8c.

9ixed Ge$osit account. Amount is kept for a fi.ed period. Fiher rate of interest will be paid on this a8c.

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&ecurring de$osit ?&G aFc@. A fi.ed amount can be deposited in monthly installments. Interest rate is same as fi.ed deposits.

H. ()at is Inclai#ed Ge$osit ccount+
ns. <)ose saving or current accounts which have not been operated upon for <# years or more, as at the end of each calendar
year.

J. ()at is 0no$erative 8Gor#ant ccount+
ns+ A savins as well as current account should be treated as inoperative 8 dormant if there are no transactions in the account
for over a period of two years.

13. ()at is C)eDue+
Ans. C)eDue is a neotiable instrument containin conditional order to pay sum of money to the person mentioned on it or to
the bearer of the instrument.
Crossing on C)eDue. 2wo parallel lines drawn on the top left corner of the che0ue.

ccount $ayee c)eDue. Account payee che0ues can be routed only throuh accounts.

1ost dated c)eDue. 2he date on the che0ue beyond today9s date then che0ue becomes post dated.

*tale c)eDue+ 6he0ue is valid for 3 #ont)s. If the date on the che0ue is before H
months, then the che0ue becomes stale che0ue.

>utilated c)eDue. It is a damaed che0ue.

t 1ar c)eDue. It is payable anywhere in India.
>ulti city c)eDue. A che0ue which is payable in any branch of a particular bank.

11. ()at is Ge#and Gra!t. A demand draft is an instrument used for effectin
transfer of money. It is a neotiable instrument.

Gi!!erence bFw a C)eDue and a de#and dra!t.
i. A che0ue is issued by an individual whereas a demand draft is issued by a bank.
ii. A che0ue is drawn by an account holder of a bank, whereas a draft is drawn by
one branch of a bank on another branch of the same bank.
iii. In a che0ue, the drawer and the drawee are different persons. But in a draft
both the drawer and the drawee are the same bank.
iv. A che0ue is defined in the ;eotiable Instrument Act, <!!<, whereas a demand
draft has not be precisely defined in the ;I Act.
v. A 6he0ue can be dishonored for want of sufficient balance in the account.
,hereas a draft cannot be dishonoured.Fence there is certainty of the payment in
the case of a demand draft.
vi. Payment of a che0ue can be stopped by the drawer of the che0ue, whereas, the
payment of a draft cannot be stopped.
vii. A che0ue can be made payable either to a bearer or order. But a demand draft is always payable to order of a certain person.

12. ()at is C)eDue <runcation+
i. 2runcation is the process of stoppin the flow of the physical che0ue issued by a drawer at some point with the presentin
bank en?route to the drawee bank branch.
ii. In its place an electronic imae of the che0ue is transmitted to the drawee branch by the clearin house, alon with relevant
information like data on the 4I63 band, date of presentation, presentin bank, etc.
iii. 6he0ue 2runcation speeds up the process of collection of che0ues resultin in better service to customers, reduces the scope
for clearin?related frauds or loss of instruments in transit, lowers the cost of collection of che0ues, and removes reconciliation?
related and loistics?related problems, thus benefittin the system as a whole.

13. ()at is &e$o rate+
Ans. 2he rate at which 3BI lends money to commercial banks is known as 3epo 3ate. &e$o &ate at $resent. HK

&everse &e$o rate. 3everse repo rate is the rate at which the central bank of a country $3eserve Bank of India in case of India)
borrows money from commercial banks within the country. It is a monetary policy instrument which can be used to control the
money supply in the country. &everse &e$o rate. EK


1%. ()at is C&& and *L&+
Ans. C&&. Cas) &eserve &atio I It is the ratio of physical cash
that every bank has to keep with 3BI. Current C&&

*L&. *tatutory LiDuidity &atio I It is the ratio of li0uid assets
that every bank has to keep with 3BI. Current *L&

6eed o! *L&. ,ith the S:3, the 3BI can ensure the solvency of a commercial banks. It is also helpful to control the e.pansion of
the Bank credits. By chanin S:3 rates, 3BI can increase or decrease bank credit e.pansion. Also throuh S:3, 3BI compels th
commercial banks to invest in the overnment securities like ovt. bonds.

>ain use o! *L&. S:3 is used to control inflation and propel rowth. 2hrouh S:3 rate the money supply in the system can be
controlled effectively.

1'. ()at is >arginal *tanding 9acility (>*9".
of India $&B0) aainst approved overnment securities.
ii. 2his came into effect in may 2311. @nder the 4ar
overniht basis aainst their e.cess statutory li0uidity ratio $
iii. Additionally, they can also avail funds on overniht basis below the stipulated S:3 up to < per cent of their respective ;et
'emand and 2ime :iabilities $6G<L) outstandin at the end of

()y (>*9" is it reDuired. Banks borrow money from 3BI at 4S1 rate when there is an acute cash shortae or acute asset
liability mismatch. 2his does not carry any stima.
crore thereafter.

1,. bout KYC nor#s+
ns. 2he full form of QD6 is I Qnow Dour 6ustomer QD6 uidelines was introduced by
2he components of QD6 I Identity proof , address proof , photoraphs
2he ob5ective of QD6 uidelines is I to prevent banks from criminal money launderin activities
QD6 day is celebrated on I 1irst workin day of auust every year

1E. bout B*4 &<4 I 2he minimum interest rate of a bank below which it cannot lend to public
2he BP:3 $Benchmark prime lendin rate)was introduced in the year
%#<#. 3BI made mandatory for all banks to introduced w.e.f.

1H. ()at is CB* (Core Banking *olutions".
central host and the customers of connected branches can do bankin at any breach with core bankin facility.

dvantages !or bot) to t)e custo#ers 7 t

Custo#er. i. 2ransactions of business from any branch.
ii. :ower incidence of errors.
iii. Better funds manaement due to immediate availability of funds.

Banks. i. Better customer service.
ii. Availability of accurate data.
iii. Increased business volume with better asset liability manaement and risk manaement.

1J. ()at is 0n!lation+
Ans. It is a state where money looses the value hence prices will o
up $or) 'ecreasin the value of money.

23. ()at is Ge!lation+
Ans. It is opposite to inflation. 4oney will have more value. Fere
the products looses the value.

21. ()at is Credit card+

It is the ratio of physical cash
Current C&& / %K
It is the ratio of li0uid assets
Current *L& / 22K
the 3BI can ensure the solvency of a commercial banks. It is also helpful to control the e.pansion of
the Bank credits. By chanin S:3 rates, 3BI can increase or decrease bank credit e.pansion. Also throuh S:3, 3BI compels th
in the overnment securities like ovt. bonds.
S:3 is used to control inflation and propel rowth. 2hrouh S:3 rate the money supply in the system can be
>arginal *tanding 9acility (>*9". 4S1 rate is the rate at which banks borrow funds overniht from the 3eserve Bank
) aainst approved overnment securities.
. @nder the 4arinal Standin 1acility $4S1), currently banks avail funds from the 3BI on
overniht basis aainst their e.cess statutory li0uidity ratio $*L&) holdins.
hey can also avail funds on overniht basis below the stipulated S:3 up to < per cent of their respective ;et
) outstandin at the end of second precedin fortniht.
Banks borrow money from 3BI at 4S1 rate when there is an acute cash shortae or acute asset
liability mismatch. 2his does not carry any stima. *i=e o! >*9+ 4inimum amount of &s. 2ne crore
Qnow Dour 6ustomer QD6 uidelines was introduced by I 3BI for all banks in the year
Identity proof , address proof , photoraphs
to prevent banks from criminal money launderin activities
1irst workin day of auust every year
2he minimum interest rate of a bank below which it cannot lend to public
BP:3 $Benchmark prime lendin rate)was introduced in the year I %##H 2he BP:3 was converted into base rate on
3BI made mandatory for all banks to introduced w.e.f. I <Ruly %#<#, 2he minimum base rate is fi.ed by
Banking *olutions". 6ore Bankin Solutions is the process, where branches of the bank are connected to a
dvantages !or bot) to t)e custo#ers 7 t)e banks.
2ransactions of business from any branch.
Better funds manaement due to immediate availability of funds.
Increased business volume with better asset liability manaement and risk manaement.
Ans. It is a state where money looses the value hence prices will o
o inflation. 4oney will have more value. Fere
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the 3BI can ensure the solvency of a commercial banks. It is also helpful to control the e.pansion of
the Bank credits. By chanin S:3 rates, 3BI can increase or decrease bank credit e.pansion. Also throuh S:3, 3BI compels the
S:3 is used to control inflation and propel rowth. 2hrouh S:3 rate the money supply in the system can be
rate at which banks borrow funds overniht from the 3eserve Bank
inal Standin 1acility $4S1), currently banks avail funds from the 3BI on
hey can also avail funds on overniht basis below the stipulated S:3 up to < per cent of their respective ;et

Banks borrow money from 3BI at 4S1 rate when there is an acute cash shortae or acute asset?
&s. 2ne crore and in multiples of 3s. One
3BI for all banks in the year I %##%
to prevent banks from criminal money launderin activities
2he minimum interest rate of a bank below which it cannot lend to public
%##H 2he BP:3 was converted into base rate on I 5uly
<Ruly %#<#, 2he minimum base rate is fi.ed by I 3BI
6ore Bankin Solutions is the process, where branches of the bank are connected to a
Increased business volume with better asset liability manaement and risk manaement.

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Ans. 6redit card is a plastic instrument that can be used for the purchase of oods and services. Dou can buy the services and
then pay the cash to the bank. :imits will be fi.ed based on the net worth of the customer.
Leading credit cards. V0*A >*<4&.

22. ()at is 649< 7 &<G*+

649< (6ational 4lectronic 9und <rans!er". ;-12 enables funds transfer from one bank to another but works a bit differently
than 32&S. ;-12 is slower than 32&S. 2he transfer is not direct and 3BI acts as the service provider to transfer the money from
one account to another. Dou can transfer any amount throuh ;-12, even a rupee.
<)ere is no >ini#u# 7 >axi#u# Li#it in 649<.

6eed o! 649<. ,e can use this facility if we want to transfer funds online in a day or two. ;-12 can make life easier for those
who need to send money to their parents or children livin in another city. It cuts the trouble of issuin a che0ue or draft and
postin it. It can also be done throuh internet bankin.

&<G* $&eal ti#e gross settle#ent )+ 32&S system is funds transfer systems where transfer of money or securities

takes place
from one bank to another on a Oreal timeO and on OrossO basis.

>ini#u# 7 >axi#u# Li#it o! &<G*. 2 lak) and no u$$er li#it.

In an 32&S system, transactions are settled across accounts held at a 6entral Bank
on a continuous ross basis. Settlement is immediate, final and irrevocable $which
cannot be chaned or reversed).

23. ()at is 61+
Ans. ;PA+ ;on Performin Asset+ ,hen a loan becomes bad then it becomes ;PA.

2%. ()at is online banking+
Ans. ;othin but any where bankin. A customer can operate his account from any
branch of a particular bank.

2'. ()at is 2nline or 0nternet Banking+
ns. 2he accessin of bank information, accounts and transactions with the help of
a computer throuh the financial institutionPs website on the Internet is called
online bankin. It is also called Internet bankin or e?bankin

2,. ()at are t)e various ty$es o! !inancial #arkets/
2he financial markets can broadly be divided into #oney and ca$ital #arket.

. >oney >arket+ 2he money market provides investment avenues of short term
tenor. 4oney market transactions are enerally used for fundin the transactions
in other markets includin &overnment securities market and meetin short term
li0uidity mismatches.

By definition, money market is for a ma.imum tenor of up to one year. ,ithin the one year, dependin upon the tenors, money
market is classified into+

i. 2vernig)t #arket or Call #oney ? 2he tenor of transactions is one workin day.
ii. 6otice #oney #arket I 2he tenor of the transactions is from % days to <= days.
0ii. <er# #oney #arket I 2he tenor of the transactions is from <" days to one year.

B. Ca$ital >arket. 6apital market is a market for long;ter# debt and e0uity shares.
In this market, the capital funds comprisin of both e0uity and debt are issued and traded. 2his also includes private placement
sources of debt and e0uity as well as orani7ed markets like stock e.chanes.

2E. Co##ercial 1a$er (C1"+
ns. 6ommercial Paper $6P) is an unsecured #oney #arket instrument issued in the form of a promissory note.

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6orporate, primary dealers $P's) and the all?India financial institutions $1Is) that have been permitted to raise short?term
resources under the umbrella limit fi.ed by the 3eserve Bank of India are eliible to issue 6P.

1eriod. 6P can be issued for maturities between a minimum of E days and a #axi#u# u$ to one year !ro# t)e date o! issue.

2H. Certi!icate o! Ge$osit (CG"
ns. 6ertificate of 'eposit $6') is a negotiable #oney #arket instrument and issued in demateriali7ed form or as a @sance
Promissory ;ote, for funds deposited at a bank or other eliible financial institution for a specified time period.

1eriod+ Banks can issue 6's for maturities from E days to one a year whereas eliible 1Is can issue for maturities < year to H
years.

2J. ()at is Bancassurance. 2he sale of insurance and other similar products throuh
a bank. 2his can help the consumer in some situationsA for e.ample, when a
bank re0uires life insurance for those receivin a mortae loan the consumer
could purchase the insurance directly from the bank.

33. ()at is 09*C (0ndian 9inancial *yste# Code"+
i. Indian 1inancial System 6ode is an alpha?numeric code that uni0uely identifies a
bank?branch participatin in the ;-12 system.
ii. 2his is an << diit code with the first = alpha characters representin the bank,
2he "th character is # $7ero).and the last S characters representin the bank
branch.
iii. I1S6 is used by the ;-12 system to identify the oriinatin 8 destination banks
8 branches and also to route the messaes appropriately to the concerned banks 8
branches.

31. ()at is >0C& . stands for 4anetic Ink 6haracter 3econition. 4I63 6ode is a
numeric code which uni0uely identifies a bank branch participatin in the -6S
6redit scheme. >0C& code consists o! J digits e.g %3322J12H
i. 1irst H diits represent the city $=##)
ii. ;e.t H diits represent the bank $%%K)
iii. :ast H diits represent the branch $<%!)
2he 4I63 6ode allotted to a bank branch is printed on the 4I63 band of che0ue
leaves issued by bank branches.

32. ()at is Balance o! <rade. 2he value of a country9s e.ports minus the value of its
imports. @nless specified as the balance of merchandise trade, it normally incorporates trade in services, includin earnins
$interest, dividends, etc.) on financial assets.
Balanced <rade. ,hen a balance of trade e0ual to 7ero. $e.ports I imports T #)

33. ()at is Balance o! 1ay#ents. A list of all of a country9s international transactions for a iven time period, usually one year.
Payments into the country $receipts) are entered as positive numbers, called creditsA Payments out of the country $payments)
are entered as neative numbers called debits. A sinle numbers summari7e all of a country9s international transactions+ the
balance of payments surplus.

*o#e 0#$ortant <i$s w)ic) you )ave to kee$ in your #ind w)ile going !or Grou$ Giscussion (GG".

Be as natural as possible. 'o not try to be someone you are not. Be yourself. In an attempt to be someone else, your opinions
will not be portrayedA
Sit with a straiht and confident postureA
Be assertive yet humble. Dou need to stick to your values and beliefs, but learn to respect the values and opinions of others
tooA
&rab the opportunity to speak first, i.e. to start the roup discussion with your opinion. It enerally leaves a ood impression
on the evaluator, but take the move only if you have complete knowlede of the sub5ectA
'o not repeat a point, or be lenthy or irrelevant. Also intervene, if someone else is oin on an irrelevant trackA
1acilitate contribution from others. 'o not 5ust o on and on and on with only your opinionated view. 3emember, it is a
roup discussion. Allow others to speak tooA

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4ake an eye contact with all the participants. It creates more room for conversation. Also keep noddin, when others speak,
it shows receptivityA
Be an active and dynamic participant. 2he e.aminer wants to hear you speak. So do put forth your viewsA
Be positive and prepare your thouhts well but do not be over?confidentA
2hink well before you speak. Dou are bein heard and 5uded uponA
,hen raisin an ob5ection to a point kept by another speaker, back it up with a solid reason to et the point acrossA
@se 0uotes, facts and fiures, statements, everyday life e.amples to e.press a clear chain of thouhts. Also it miht leave a
ood impression on the e.aminer and help you score well.

*o#e 0#$ortant <i$s w)ic) you )ave to kee$ in your #ind w)ile going !or 0nterview.

1. <i$s on 1re$aring !or t)e 0nterview;Gay.
i. &ather information about the bank or orani7ation that has invited you for the
interview. 2his will ive you a clear idea about the philosophy, work environment and
reputation of the company.
ii. 3ead the 5ob description carefully as to what they e.pect from you.
iii. -valuate your 0ualifications, e.perience, and core competences, areas of strenth
and accordinly draw up a 0uestionnaire alon with your replies to the e.pected
0uestions.

2. Brus) u$ your co##unication skills.
i. Interviewers normally ask you to hihliht your strenths and weaknesses.
ii. Strenths of course can be emphasi7ed more easily but even the weaknesses can be
presented in a positive liht. 9or exa#$leA M0 a# a little i#$atient wit) t)e $eo$le
w)o are not !ocused enoug)A or non serious about t)e work in )andN
iii. &o with a positive frame of mind, without worryin much about the outcome.

3. ttending t)e 0nterview. &o with a smile $not a rin) on your face, with confidence
and determination to succeed in your heart.

%. s You 4nter.
i. 'ependin upon whether you are bein interviewed by one person or a panel of
interviewers, reet politely U&ood 4ornin98Afternoon or -venin dependin upon
time of the day.
ii. If there are more than one person then address them as USirs84adams9 and try to
encompass them all in your reetin. If there is only one lady in the panel, it is polite to
reet her separately.
iii. 4ost probably you will be offered a seat. 'o not sit down unless you are asked to.

'. 9acing t)e 0nterviewers
i. As you sit across the interviewer$s), look confident and rela.ed.
ii. In most cases the interviewers themselves will try to put you at ease.

,. <)e Body Language
i. &ood body lanuae can be inculcated and practiced. Dour facial e.pression, appearance, estures, how you walk, talk, stand, sit,
use your limbs etc. all form part of your body lanuae.

E. 1ay attention to t)e !ollowing.
Sit straiht comfortably without cranin your neck. 'o not slouch.
:ook attentive, keen and interested.
2alk clearly, maintainin a pitch that is comfortably audible to the person$s) around.
'o not et overe.cited even while describin your achievements and strenths.
:isten to the 0ueries attentively, constantly maintainin polite eye contact with the interviewers.
;od your head to show that you are listenin, inter5ectin appropriately with UDes Sir84adam9, absolutely, definitely etc.
:ean forward a little as you speak and backward as you listen.
'o not touch your face, or shake your les.
Qeep your arms either on your sides or in your lap. 'o not fold your arms, as it is a sin of rudeness.
@se short simple sentences while talkin.


'o not make unrealistic tall claims durin
;ever et too arroant or aressive in front
'o not show your disappointment and disinterest.
poise till the end.
Always thank the interviewers as you leave.

*o#e 0#$ortant GG <o$ics /

,2O issue ? IndiaPs Stand on 1ood Security and 21A.
IP: Spot 1i.in
Indian 6ricket 2eam :osin continuously on 1orei
3ole of 4arketin in Bank.
3ise of ISIS. Is @SA responsible for it/
Israel? Palestine8Famas Issue
Privitasation of Public Sector Banks ?
Ran 'han Do5ana .Is it Liable / ,hat are Pros n 6ons
Protest in Pakistan for Sharif resination.
&rowin India?Rapan ties and its affect on 6hina
4odiPs 1orein Policy ? ;eihbour 1irst.
Appointin 6RI as &overnor. ,ill it compr
:ove Rihad
6orruption in Public Sector Bank.
,hat ne.t after Plannin 6ommission
3ole of Bank in ;ation Buildin.
B3I6S Bank was set up to 6ounter I41. ,hat i
6apital Punishment for 3apist.
Should India have 2wo Party System/
6riminali7ation of Politics and :okpal Bill
Pornoraphy Should be banned in India.
3eliion should be kept out from Politics.

,e are also sharin some Interview -.perience of last year SBI PO -.am.

06<4&V04( 4O14&046C4 ; 1

0nterview Gate. ! Ruly %#<H
Venue. :FO, ;ew 'elhi
GG <o$ic. 6apital Punishment should be abolished in India.
4y batch comprised of <% people out of which < was absent and the other one was not allowed to participate because of dubious
credentials $sinature and thumb impression mismatch).

-veryone was iven % minutes to put across their points. I spoke aainst the topic and put few basic points like it becomes necessary
to ive capital punishment in cases of heinous crimes, repeat offences and when it is a established fact when a person cannot
reformed. I added that our system is workin fine as all death penalty appeals o to Supreme 6ourt and there is a chance of
Presidential pardon too. 2he system should be the way it is at present.

After the round was completed everyone was iven an option of
points. I added that 6apital Punishment is abolished mostly in either Scandinavian countries which are already havin a very
F'I and thus low crime rates or small countries which h
2hus I ended up substantiatin my earlier stand.

In my view, candidate must ensure to put across new points and not 5ust reiterate the points iven by other candidates as it
a neative impact on marks.

0nterview ; 'uration <%?<" minutes
2here were = members in the panel. All were retired 4' level officials. $I uess there will be = members in every interview a
are askin for one oriinal copy of Bio 'ata form > H

I knocked at the door, asked for permission to come in, wished everyone and took my seat with their permission.

durin the interview.
front of the interviewers.
disinterest. 4aintain your
leave.
IndiaPs Stand on 1ood Security and 21A.
Indian 6ricket 2eam :osin continuously on 1orein Soils. 'o ,e need three different captain in H formats
/
?&ood or Bad /?P R ;ayak 6ommittee
/ ,hat are Pros n 6ons/
Protest in Pakistan for Sharif resination.
an ties and its affect on 6hina/
;eihbour 1irst.
Appointin 6RI as &overnor. ,ill it compromise 5udiciary in the lon run/
6ommission/
B3I6S Bank was set up to 6ounter I41. ,hat is your Liew on this/
Should India have 2wo Party System/
Politics and :okpal Bill
Pornoraphy Should be banned in India.
3eliion should be kept out from Politics.
,e are also sharin some Interview -.perience of last year SBI PO -.am.
6apital Punishment should be abolished in India.
credentials $sinature and thumb impression mismatch).
was iven % minutes to put across their points. I spoke aainst the topic and put few basic points like it becomes necessary
to ive capital punishment in cases of heinous crimes, repeat offences and when it is a established fact when a person cannot
formed. I added that our system is workin fine as all death penalty appeals o to Supreme 6ourt and there is a chance of
Presidential pardon too. 2he system should be the way it is at present.
After the round was completed everyone was iven an option of speakin for another one minute 5ust in case one wishes to add to his
points. I added that 6apital Punishment is abolished mostly in either Scandinavian countries which are already havin a very
F'I and thus low crime rates or small countries which have low crime rates by virtue of their low population e.ample Island nations.
2hus I ended up substantiatin my earlier stand.
In my view, candidate must ensure to put across new points and not 5ust reiterate the points iven by other candidates as it
2here were = members in the panel. All were retired 4' level officials. $I uess there will be = members in every interview a
are askin for one oriinal copy of Bio 'ata form > H photocopies)
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different captain in H formats/
was iven % minutes to put across their points. I spoke aainst the topic and put few basic points like it becomes necessary
to ive capital punishment in cases of heinous crimes, repeat offences and when it is a established fact when a person cannot be
formed. I added that our system is workin fine as all death penalty appeals o to Supreme 6ourt and there is a chance of
speakin for another one minute 5ust in case one wishes to add to his
points. I added that 6apital Punishment is abolished mostly in either Scandinavian countries which are already havin a very hih
ave low crime rates by virtue of their low population e.ample Island nations.
In my view, candidate must ensure to put across new points and not 5ust reiterate the points iven by other candidates as it can have
2here were = members in the panel. All were retired 4' level officials. $I uess there will be = members in every interview as they

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>1 $I uess the Panel Fead)+ 4ayank you worked for 3eliance &eneral Insurance for H years. ,hy you left it in %#<# considerin it9s
a bi company/
>e. Sir I had to come back to my native town for a couple of months for some family reasons. I had no sufficient leaves and that
wasn9t a very ood time considerin the recession period. I was iven an option to work with Ara Branch at a salary cut and I
decided aainst it. So I was left with no other option but to resin from the services.
>1. ,hich roup did your company belon to. Fave 3eliance applied for Bankin :icence /
>e. Sir A'A&, Anil Ambani roup. ;o sir because they haven9t because they have interest in stock market throuh 3eliance 4oney
and as per 3BI9s uidelines they cannot apply. 2he Panel then chatted about latest 3BI uidelines. Fe asked what does 3eliance
4oney do and how are they related to stock market. And I replied.
>1. ,hat is the difference between :ife Insurance and &eneral Insurance/
>e. Sir risk covered in :ife insurance is the life of an individual where as in eneral insurance, one can cover his vehicle, property
health, etc. Basically eneral insurance is also termed as non?life insurance and that is the basic difference. 4< said with a smile. Des
non?life..
>1 then asked me what happens in case of 2sunamis, etc and I said they aren9t covered in a policy as they are deemed to be Act of
&od. Fe then said 1orce 4o5ure. I was clueless and he e.plained it9s a latin term for Act of &od. I smiled and said 2hank you sir for the
information, I wasn9t aware of it.
2hen he passed it on to other member of the roup
>2. ,hat are the other businesses 3eliance A'A& roup have interest in/
>e. Sir, they have varied businesses like 3eliance 6ommunication, 3eliance 6apital which in turn has different subsidiaries like
3eliance :ife, 3eliance :ife, etc, then they have 3eliance Power, 3eliance -nery..
>2. Fow are 3eliance Power and 3eliance -nery different/
4e $took a small pause, thouh and uessed)+ Sir 3eliance Power is into Power production $I should have said &eneration) and
3eliance -nery into Power transmission and distribution.
-veryone in the panel said, hmm, Power 'istribution.. $2eer nishane pe la aya A?))
>2. ;ame some power plants.
I mentioned 'adri and 3o5a $run by 3eliance) in Sha5ahanpur. Fe asked if they are oil based I said no sir they are thermal based. Fe
nodded and said coal.
>2. ,here does Oil drillin takes place in India/
>e. Sir mostly in Bombay Offshore reion and Q& Basin. $I missed to mention Ramnaar, &u5arat.)
2hen 4< asked about 1'I in Insurance and I answered it is %SJ at present however &overnment is considerin it to increase it to
=KJ. Fe asked where it is held up and I said, the proposal is stuck at &overnment level and if the insurance lobby has its way they
would like to even e.tend it to <##J. 4< asked they are part of some kind of reforms, what is it/ I replied U1iscal 3eforms9
>1. ,hich forein co. does 3eliance have tie up with/
>e. I replied it9s a <##J Indian venture $By now, I was confused if it9s a Bankin interview or an Insurance interview or an Interview
with 3elianceV)
>1. 'oes SBI have an Insurance arm/
>e. Des sir. SBI &eneral Insurance.
>1. 'o you know when they started their operations/
>e. Sir in %#<# or may be in mid %##K $I wasn9t sure about it but knew either of the
two is correct as my friends had been recruited by SBI while I was workin and that
was at the start of their operations)
>1. ,hat advantae does SBI have in startin insurance co./
>e. I started and was about to mention about the hue customer base that they can et
advantae of but I was stopped in between and asked if I know about bancassurance. I
replied.
4< then passed to 4H
>3. Fow many public insurance co. are there/
>e. = sir.
>3. 'o you know about 3einsurance/
>e. Des Sir. $I replied)
>3. Fow many insurance co9s are in profit/
>e. $By this time I was unsure as they were askin from a domain which I have left H
years back in %#<#) After a deep breath I said I9m not sure Sir but very few of them.
>1. Are they Old eneration or new eneration co9s which are makin profit/
>e. Sir, while I was workin I used to read the statistics about the industry but now I
don9t follow it. I am sorry I9m not so sure about it sir.
>1. Fow lon does it take for an insurance co. to start makin profits/
>e. I am not so sure sir but as far as I know it takes at least "?S years before one can
break even in this industry and sometimes even more.


At this 4< put his hands in his pockets and estured yes you are riht. One really needs to have very deep p
insurance industry.

2he 4< asked if I9ve heard the name of :loyds. I replied yes Sir, they are considered to be father of Insurance. Fe then aske
Insurance co. or 3einsurance co.. I said 3einsurance $aain a uess) and h
he asked 4H to ask aain and he said he9s done.
Over to 4= who ave me a situation
>%. 4ayank, you have mentioned you worked in sales also. If you have to market an educational loan of SBI, wha
detailed plan/
>e. 2ried to ive &yaan like approachin educational institutes, print media advertisement, etc. but somehow was not able to
convince him. In the hindsiht, I think I could have iven a lot better plan than this
>3. 'o you know the 4arket share of 3eliance eneral/
>e. I feel it was a trap 0uestion and they e.pected a random H#
insurers hardly have a market share in &eneral Insurance. Around S#
distributed amon other <=?<" private insurers. I6I6I :ombard and Ba5a5 Allian7 continue to battle out for top % slots within private
insurers and 3eliance cannot have a market share of more than S
4H lastly asked if I know who takes care of the affairs of Insurance industry. I said I3'A.
4< told me my interview was over and I may o know.

06<4&V04( 4O14&046C4 / 2

4y &' and Interview was scheduled on <Hth of Ruly at SBI :earnin 6enter 2halte5, Ahmedabad.'ocument verification was
completed for our batch in H#?=" minutes.2here were <H candidates in our batch and < did not turn out for &' and Interview.

GG <o$ic given to us was BGo we need *a!e Grinking (ater or
Coco ColaF9G0C. ,e were iven ;otebook and Pen to write the ideas
and were iven appro.imate % minutes to think about the topic and
before the start of the &', instructions were iven to us that anybody
can start the &'. It was a more of e.tempore. -verybody was iven %
minutes to speak $not any specific order). I initiated the &' and
discussed about the Oriin of 6oca 6ola then about its entry in India.2hen I bean to talk aainst the 6oca 6ola I 0uoted rec
e.ample of 6harba villae @ttarakhand where Anna Fa7are 5i was on Anshan aainst 6oco 6ola
2hen I discussed about these companies usin our water sources and then about report on 1luorosis level in round water, then
bein 'elhite talked about scarcity of water in 'elhi. 2hen I said instead of coke why we should not develop our indienious drinks
and about their costin of 3s % and sellin of coke at 3s <# and so on. :ater we were iven < more minute as per our sittin
i talked about 6S3, as somebody said that focus must be on how to make coke do more 6S3 activities, then i said 6S3 is cunnin s
off aainst reulations made by &ovt. In sarcastic way, he 0uoted e.ample of @SA and 6S3 activities done there by coke, I sai
don9t have that kind of system and stricter reulations in place to make coke do more 6S3.

>y 0nterview 4x$erience
I entered the room and reeted all the members, < lady and H &entlemen.
>1. So you have done a course in 4icrofinance from @;6'1, what is @;6'1/
>e; @;6'1 stands for @nited ;ations 6apital 'evelopment 1und.
>1. Ok ,hat type of course it was and is it was a e
>e; Des sir it was an online course and an e? learnin
>1. 2hat is very nice, ,as it free or you paid some money/
>e; Sir, it was free of cost, it was initiative of @; whose main ob5ective was to make people aware about 4icrofinance in develop
countries.
>1. :et us come to &eoraphy now. ;ervous /
>e; ;o Sir, I am comfortable with &eoraphy
>1. ,hat is population of India/
>e; Sir as per %##< census or %#<< 6ensus
>1. 6an you tell me both/
>e; Sir as per 6ensus %##< it was <#% crores appro. and as per %#<< census it is <%% crores appro..
>1. Ok tell me most populous state.
>e; @ttar Pradesh
>1. %nd rank/
>e; 4aharashtra
>1. Hrd/
>e; Sir Bihar

At this 4< put his hands in his pockets and estured yes you are riht. One really needs to have very deep p
2he 4< asked if I9ve heard the name of :loyds. I replied yes Sir, they are considered to be father of Insurance. Fe then aske
Insurance co. or 3einsurance co.. I said 3einsurance $aain a uess) and he said yes they are the first reinsurer co. in the world. 2hen
he asked 4H to ask aain and he said he9s done.
4ayank, you have mentioned you worked in sales also. If you have to market an educational loan of SBI, wha
2ried to ive &yaan like approachin educational institutes, print media advertisement, etc. but somehow was not able to
convince him. In the hindsiht, I think I could have iven a lot better plan than this
now the 4arket share of 3eliance eneral/
I feel it was a trap 0uestion and they e.pected a random H#?H"J answer from me. I said Sir I am not too sure about it but Private
insurers hardly have a market share in &eneral Insurance. Around S#?*#J market share is with the Public Insurer and the rest is
<" private insurers. I6I6I :ombard and Ba5a5 Allian7 continue to battle out for top % slots within private
insurers and 3eliance cannot have a market share of more than S?!J in the circumstances. Fe said hmmmG
4H lastly asked if I know who takes care of the affairs of Insurance industry. I said I3'A. ,ith that my interview came to close and
4< told me my interview was over and I may o know.
Interview was scheduled on <Hth of Ruly at SBI :earnin 6enter 2halte5, Ahmedabad.'ocument verification was
=" minutes.2here were <H candidates in our batch and < did not turn out for &' and Interview.
s BGo we need *a!e Grinking (ater or
. ,e were iven ;otebook and Pen to write the ideas
and were iven appro.imate % minutes to think about the topic and
before the start of the &', instructions were iven to us that anybody
. It was a more of e.tempore. -verybody was iven %
minutes to speak $not any specific order). I initiated the &' and
discussed about the Oriin of 6oca 6ola then about its entry in India.2hen I bean to talk aainst the 6oca 6ola I 0uoted rec
f 6harba villae @ttarakhand where Anna Fa7are 5i was on Anshan aainst 6oco 6ola
talked about scarcity of water in 'elhi. 2hen I said instead of coke why we should not develop our indienious drinks
and about their costin of 3s % and sellin of coke at 3s <# and so on. :ater we were iven < more minute as per our sittin
alked about 6S3, as somebody said that focus must be on how to make coke do more 6S3 activities, then i said 6S3 is cunnin s
off aainst reulations made by &ovt. In sarcastic way, he 0uoted e.ample of @SA and 6S3 activities done there by coke, I sai
don9t have that kind of system and stricter reulations in place to make coke do more 6S3.
I entered the room and reeted all the members, < lady and H &entlemen.
So you have done a course in 4icrofinance from @;6'1, what is @;6'1/
@;6'1 stands for @nited ;ations 6apital 'evelopment 1und.
Ok ,hat type of course it was and is it was a e?learnin course/
learnin course.
2hat is very nice, ,as it free or you paid some money/
Sir, it was free of cost, it was initiative of @; whose main ob5ective was to make people aware about 4icrofinance in develop
:et us come to &eoraphy now. ;ervous /

Sir as per 6ensus %##< it was <#% crores appro. and as per %#<< census it is <%% crores appro..
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<

At this 4< put his hands in his pockets and estured yes you are riht. One really needs to have very deep pockets to make profit in
2he 4< asked if I9ve heard the name of :loyds. I replied yes Sir, they are considered to be father of Insurance. Fe then asked are they
e said yes they are the first reinsurer co. in the world. 2hen
4ayank, you have mentioned you worked in sales also. If you have to market an educational loan of SBI, what would be your
2ried to ive &yaan like approachin educational institutes, print media advertisement, etc. but somehow was not able to
H"J answer from me. I said Sir I am not too sure about it but Private
hare is with the Public Insurer and the rest is
<" private insurers. I6I6I :ombard and Ba5a5 Allian7 continue to battle out for top % slots within private
circumstances. Fe said hmmmG
,ith that my interview came to close and
Interview was scheduled on <Hth of Ruly at SBI :earnin 6enter 2halte5, Ahmedabad.'ocument verification was
=" minutes.2here were <H candidates in our batch and < did not turn out for &' and Interview.
discussed about the Oriin of 6oca 6ola then about its entry in India.2hen I bean to talk aainst the 6oca 6ola I 0uoted recent
f 6harba villae @ttarakhand where Anna Fa7are 5i was on Anshan aainst 6oco 6ola?6oke hatao 6harba bachao andolan.
talked about scarcity of water in 'elhi. 2hen I said instead of coke why we should not develop our indienious drinks
and about their costin of 3s % and sellin of coke at 3s <# and so on. :ater we were iven < more minute as per our sittin se0uence,
alked about 6S3, as somebody said that focus must be on how to make coke do more 6S3 activities, then i said 6S3 is cunnin show
off aainst reulations made by &ovt. In sarcastic way, he 0uoted e.ample of @SA and 6S3 activities done there by coke, I said India
Sir, it was free of cost, it was initiative of @; whose main ob5ective was to make people aware about 4icrofinance in developin
Sir as per 6ensus %##< it was <#% crores appro. and as per %#<< census it is <%% crores appro..

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>1. =th/
>e; ,est benal
>1. ok ok ok, thats enouh.
;ow 4%
>2. Dou are workin with 2ribal development department and your address is
mentioned as Birsa 4unda Bhavan, who was he/
>e; Birsa 4unda was a rebel leader and led a rebellion aainst British.
>2. Des, he was the leader of first rebellion, still many people don9t know about him.
6an you tell me his location at that time/
>e; Sir, present Rharkhand and some parts of Odisha.
>2. Odisha or Orissa/
>e; Sir, Odisha.
;ow aain 4<
>1. Ok you are handlin ariculture Pro5ect in 2ribal 'epartment, tell me about cotton
rowin states, where cotton is rown, tell me at least H states out of top "/
>e; Sir, &u5arat, Pun5ab and Faryana.
>1. ;ot 4aharashtra/
>e; Des Sir 4aharashtra, Its %nd larest producer in India.
>1. 2ell me about most suarcane producin state/
>e; Sir @P
>1. Are you sure/ I think its 4aharashtra.
>e; Sir I am confident about my answer, it9s @P.
>1. 3iht.
;ow 4H
4H was Findi speakin person and asked about Findi lanuae and I mentioned readin philosophy as my hobby.
>3. ,ho is called A3IFA;2/
>e; :ord 4ahaveera.
>3. 4eanin of A3IFA;2/
>e; I am not sure sir but can i uess/
>3. I will ive you H chances.
Ans. sir, it is bein close to odliness
>3. ;o
>e; Sir Uhant9 means killin or harmin, so maybe who does not harm anybody, this matches with Rain philosophy so I said this.
>3. ;o, ;O A3IFA;2GA3I P:@S FA;2 A3I P:@S FA;2
>e; A3I 4eans enemy and FA;2 means killin, so spot on A3IFA;2 means the Uenemy killer9.
>3. Des its riht Hrd 2ime.
>1. Oh sorry to interrupt you but Rains do not believe in Ahimsa.
>e; Sir, 4ahaveera had killed all enemies, enemies means :obh kaam krodh maya. So that9s why A3IFA;2.
>1. Ok
>3. Dour name is PA;QAR QA43A, tell me about QA43A; committee. It9s very very old committee.
>e; Sir, I have not heard of Qamran committee.
>3. Old name Of Indonesia/
>e; Bali
;ow 4=
>%. Bali is island in Indonesia, it is not old name.
>e ; I only know this.
>%. 6apital of Indonesia/
>e; Rakarta.
>%. Dou have written you had worked for P3A2FA4, ;&O workin in -ducation sector, ,ho founded P3A2FA4/
>e; 4adam i didn9t work for P3A2FA4. I was volunteer and 5ust worked for <?% 4onths and I don9t know who is the founder.
>% . Fow did you et into P3A2FA4/
>e; 4adam, 4y super senior was state head of Pratham, so that was the link.
>%. Ok
>1. 2hank you. Dou can o now.
>e; 2hank you sir.H times? for three &entlemen and 2hank you 4adam.

06<4&V04( 4O14&046C4 / 3


I had my interview on <Sth Ruly %#<# at Bhopal, <<+## am onwards. 2here were S people in total out of << $,hy people remain
absent for such an offer is way out of my reasonin).2he document verification went for < hour or so ( I was rilled why I do
a 1rench beard currently while my photoraph has one. Anyway apart from this ridiculous reason, the checkin was smooth.

4y &' topic was B()et)er >6C are G4V0L in disguise
class corporate practices like HS# deree feedback ( fle.ible workin hours. Also I talked of Indira ;ooyi, etc. After this i
minutes, there was an arument reardin third class treatment of Indian
asserted that 4;69s are invariably Profit motive institutions ( will always look for ma.imi7ation of profit vs. liability.

After this immediately interviews bein. I was second in number. Some 0uestions that I could remember are
salary at your current company $I9m ettin =" to "#k in hand at Infosys, currently), which is also your first 5ob then why d
want to leave it/ I replied about lon bench period ( lobal slowdown which may result in pink slip, also about nature of wor
more of technical when I was e.pectin functional roles.

One of them asked me how will I manae to live in 2ier % ( H
relatives is in Bank/ Before I could reply, the ad5acent interviewer said that Fis father is a bank employee.
2hen the firin beanVVV

,hat do you mean by &od particle/ ,hat does i
location. Fe replied it is in &eneva.

,hat are the reasons for current deradation of Indian economy/ I said that it is more interlinked with lobal business as a
are e.pectin effect, they were not convinced ( said to articulate more specifically. I replied sinle diit rowth in manufac
ariculture bein sidelined for tertiary industries, pace of reforms bein slow ( service sector bein depended upon other
lobal economy. Fe asked what about inflation/ I said inflation is more or less resulted from above factors only.

2he 0uestion9s shifted, ne.t one was about Fedin. I replied. Fe asked name some tools/ I replied &old in nervousness. Fe as
what about options/ I corrected myself then by ivin correct definition
of option. Fe asked what about forwards, I replied derivative definition
by mistake, however on chided, I 0uickly corrected myself ( ave
correct definition of 1orwards, 1utures ( 'eriva
then what do you mean by alpha?hedin.

2he ne.t one asked me what you mean by speculation. Is speculation
ood/ I replied that bettin should always be used for risk manaement ( not speculation. Fe asked has 3BI taken any steps to
control it. I replied for ne.t S month 3BI has put a ban on forein e.chane speculation ( derivatives tradin.

2he last 0uestion was about 3einsurance, I replied I cannot recollect. Fe then asked how many type of insurance are there. I
:ife ( ;on?life. Fe then asked in which one will accidental insurance come, I said that ;on

Overall the interview was much better than last year SBI .-ven if I9m not selected at least I9m satisfied that I was able to
participation

I believe ours was the last batch from Bhopal.

06<4&V04( 4O14&046C4 ; %

As I mentioned to them that I have interest in financial sector so my interview 0uestions were based on finance and economy l
functions of ,orld Bank, I41, diff b8w I41 and ,B, I'A $a subsidiary of ,B), functions of -.im Bank.

:ues ? If you have a savin a8c in a bank and it collapses, then is there any institution to return your money/
:ues ; If there is any default in payment of e.ports then is there any insure
:ues ; ,hat are the pros and cons of merer of associate banks of SBI/
:ues ; ,hat is the interventionist policy 3BI follows in case of rupee depreciation/
:ues ; &easons for rupee depreciation

Some easy 0uestions like members of SAA36, &

4y &' topic was B5* C&0CK4< 1&2V4G G4<&0>46< 92& 2<54& *12&<* 06 06G0C

ad my interview on <Sth Ruly %#<# at Bhopal, <<+## am onwards. 2here were S people in total out of << $,hy people remain
absent for such an offer is way out of my reasonin).2he document verification went for < hour or so ( I was rilled why I do
1rench beard currently while my photoraph has one. Anyway apart from this ridiculous reason, the checkin was smooth.
B()et)er >6C are G4V0L in disguise.C It was a fairly ood topic ( I put forward points like &lobalisation, ,orld
class corporate practices like HS# deree feedback ( fle.ible workin hours. Also I talked of Indira ;ooyi, etc. After this i
minutes, there was an arument reardin third class treatment of Indian talent by 4;69s. -verybody put their points aain, I
After this immediately interviews bein. I was second in number. Some 0uestions that I could remember are
salary at your current company $I9m ettin =" to "#k in hand at Infosys, currently), which is also your first 5ob then why d
want to leave it/ I replied about lon bench period ( lobal slowdown which may result in pink slip, also about nature of wor
more of technical when I was e.pectin functional roles.
One of them asked me how will I manae to live in 2ier % ( H cities as I must have been accustomed in 2ier < cities. Is anyone of your
,hat do you mean by &od particle/ ,hat does it sinify/ ,here was It found/ I ave correct answer of all 0uestions e.cept :F6
,hat are the reasons for current deradation of Indian economy/ I said that it is more interlinked with lobal business as a
re e.pectin effect, they were not convinced ( said to articulate more specifically. I replied sinle diit rowth in manufac
ariculture bein sidelined for tertiary industries, pace of reforms bein slow ( service sector bein depended upon other
2he 0uestion9s shifted, ne.t one was about Fedin. I replied. Fe asked name some tools/ I replied &old in nervousness. Fe as
t about options/ I corrected myself then by ivin correct definition
of option. Fe asked what about forwards, I replied derivative definition
by mistake, however on chided, I 0uickly corrected myself ( ave
correct definition of 1orwards, 1utures ( 'erivatives. Fe asked me
2he ne.t one asked me what you mean by speculation. Is speculation
trol it. I replied for ne.t S month 3BI has put a ban on forein e.chane speculation ( derivatives tradin.
2he last 0uestion was about 3einsurance, I replied I cannot recollect. Fe then asked how many type of insurance are there. I
ife. Fe then asked in which one will accidental insurance come, I said that ;on?life. After that he said I can o nowVV
Overall the interview was much better than last year SBI .-ven if I9m not selected at least I9m satisfied that I was able to
I believe ours was the last batch from Bhopal.
As I mentioned to them that I have interest in financial sector so my interview 0uestions were based on finance and economy l
b8w I41 and ,B, I'A $a subsidiary of ,B), functions of -.im Bank.
If you have a savin a8c in a bank and it collapses, then is there any institution to return your money/
If there is any default in payment of e.ports then is there any insurer to repay the amount/
,hat are the pros and cons of merer of associate banks of SBI/
,hat is the interventionist policy 3BI follows in case of rupee depreciation/
SAA36, &?S.
B5* C&0CK4< 1&2V4G G4<&0>46< 92& 2<54& *12&<* 06 06G0C.
P
a
e

<
H

ad my interview on <Sth Ruly %#<# at Bhopal, <<+## am onwards. 2here were S people in total out of << $,hy people remain
absent for such an offer is way out of my reasonin).2he document verification went for < hour or so ( I was rilled why I don9t have
1rench beard currently while my photoraph has one. Anyway apart from this ridiculous reason, the checkin was smooth.
I put forward points like &lobalisation, ,orld
class corporate practices like HS# deree feedback ( fle.ible workin hours. Also I talked of Indira ;ooyi, etc. After this in final H
talent by 4;69s. -verybody put their points aain, I
After this immediately interviews bein. I was second in number. Some 0uestions that I could remember are ? Dou have a very hih
salary at your current company $I9m ettin =" to "#k in hand at Infosys, currently), which is also your first 5ob then why do you
want to leave it/ I replied about lon bench period ( lobal slowdown which may result in pink slip, also about nature of work bein
cities as I must have been accustomed in 2ier < cities. Is anyone of your
t sinify/ ,here was It found/ I ave correct answer of all 0uestions e.cept :F6
,hat are the reasons for current deradation of Indian economy/ I said that it is more interlinked with lobal business as a result we
re e.pectin effect, they were not convinced ( said to articulate more specifically. I replied sinle diit rowth in manufacturin,
ariculture bein sidelined for tertiary industries, pace of reforms bein slow ( service sector bein depended upon other sector (
2he 0uestion9s shifted, ne.t one was about Fedin. I replied. Fe asked name some tools/ I replied &old in nervousness. Fe asked
trol it. I replied for ne.t S month 3BI has put a ban on forein e.chane speculation ( derivatives tradin.
2he last 0uestion was about 3einsurance, I replied I cannot recollect. Fe then asked how many type of insurance are there. I replied
life. After that he said I can o nowVV
Overall the interview was much better than last year SBI .-ven if I9m not selected at least I9m satisfied that I was able to make a ood
As I mentioned to them that I have interest in financial sector so my interview 0uestions were based on finance and economy like
b8w I41 and ,B, I'A $a subsidiary of ,B), functions of -.im Bank.
If you have a savin a8c in a bank and it collapses, then is there any institution to return your money/
r to repay the amount/

P
a
e

<
=

1inally don9t miss the BIO?'A2A part as definitely there will be 0uestion on it.

06<4&V04( 4O14&046C4 ; '
Fey uy,

I m from Bhubaneswar reion and my &' topic was B01L Vs. CricketC.
I was asked in the interview about I
4y state9s literacy rate
India9s rank in corruption
If bettin is lealised, how will it affect cricket
,hat will happen if corruption is also leali7ed/
Fow will you correlate pure science $bein a science raduate) to a nebular science?bankin/
1ew F3 0uestion about my hobby, aim, etc

All the bestVVV

06<4&V04( 4O14&046C4 ; ,

,ell I had my interview at 2rivandrum on S
th
and topic for &' topic was B0s CB0 really
autono#ousC. Some other session uys had the topic B*)ould t)e BCC0 be
nationalisedC.

1ollowin 0uestions were asked

,hy is Qerala called &od9s own country/ In what way do you think it is/
2ell me about SBI.
,hat was SBI9s turnover last year/
,hat makes SBI different from other banks/
,hy do you want to become a PO/
,hat are the recent novels which you read/
2here are % novels which are in se0uel written by Reffrey Archer. ;ame them.
,hat is whistle blowin/ ,hat did Snowden do/ Fow did the world react/
&ive country?wise response.
,hat is 6ASA/ ,hat is its sinificance/
,ho won the ;obel pri7e twice/
;ame the fields for which ;obel pri7es are iven.
;ame all the Indians who have won ;obel pri7e.
;ame all the PIO9s who have won ;obel pri7e.
;ame the literary work for which 2aore ot the ;obel.
People from enineerin backround were asked about their sub5ects, mainly
application level.

06<4&V04( 4O14&046C4 ; E

Fi &uys,
I had my Interview on Sth Ruly, at Banalore.
<)e to$ic !or #y GG was. Should India be divided further into smaller states for better administration and overnance/
Since I was the lone candidate who opposed further division, I was asked 0uestions on my views on the above topic, durin my
interview too.

2hen, as I had mentioned my hobby as 3eadin about Indian ;ational 4ovement,2ravellin and -.plorin Places, and also
6urrent affairs, so the Interviews fired their 0uestions on the above topics only.
I was asked About+

;ational Anthem
;ational Son
;ational -mblem
'ifference between Qha5uraho temples and Qonark 2emple

P
a
e

<
"

&reenFouse -ffect
3a5endra Pachauri and IP66
6hane of leadership in Pakistan and it9s impact on India
Fow can we make administration and overnance better in lare states, if division is not a feasible option.
,hy do I want to leave my current 5ob $I am a Senior software enineer with Infosys :imited)
Euit India 4ovement
,omen President of I;6, pre?independece
Qaril war, Li5ay 'iwas
;obel Pri7e
4asaysay Award
4ohd. Dounis $;obel pri7e winner from Banladesh)
'ifference between ;-12 and 32&S
'ifference between 6he0ue and ''
6ause of rupee downfall

06<4&V04( 4O14&046C4 / H

Fi, 4y SBI PO &'?PI e.perience in 6hennai on !th Ruly, %#<H
GG. 6uclear !a#ily vs -oint !a#ily
0nterview Duestions /

,hat is the recent issue in ;:6 $since I am from ;eyveli)/
,hy do you want to leave your I2 5ob and 5oin our bank/
,hat are the borders of 2amil ;adu/
,hat is Pondicherry famous for/
2o whom is mercy petitions submitted/
Present president/
,hat was he doin earlier/
Present finance minister/
,ho was the overnor of 3BI durin <KK#?%###/ $I replied 4anmohan Sinh)
,ho was the first overnor of 3BI/
OB6 candidates without community certificate were not allowed to attend &'
8 PI.

2heir session was rescheduled to <<th. So friends please take all the re0uired
materials.
All the very best +?)

06<4&V04( 4O14&046C4 ; J
Centre. Banalore
Gate. ! Ruly %#<H, #!+##A4
Lerification till K+="A4. If you don9t have character certificate, you have to ive a letter that you shall submit it later. Lerification
certification is a must. 2here is a provision to et your &'8PI rescheduled. 2here were <% candidates at a time. In my slot, <# were
present.

,e were taken to a wonderful conference hall at <#+##A4. = senior employees of the bank $may be A&4 and above, and close to
retirement), < chairman and H panel member sat to monitor &'. H 2amilians and < ;orth Indian. As I heard the panellist were not
from Banalore and were here for the sake of interviews.
<o$ic. 0s increasing car $roduction boon or bane+

,e were told anyone can start but the discussion should follow in an order $clockwise or anticlockwise). -ach could speak for %
minutes first, then a minute each if necessary.

4ost points were e.hausted by earlier speakers. 2he chairman didnt seem to be much interested in the second round of discussion.
;ot all could speak the second time as the chairman wanted to wind up the discussion. Actually discussion was beinnin to happen
in the second round, as the first round was plain talk. 'iscussion lasted less than %" mins.


0nterview ; <" minutes per candidate
6hairman beins. Scan your bio?data. 1ew 0uestion like why enineerin to bankin, father8mother. I was asked to elaborate on
point in &' that he didn9t aree.
>e#ber 1. Asked 0uestions on &Q, mostly about your state
woman Fih 6ourt 6hief Rustice, etc
>e#ber 2. Bankin 0uestions I Bankin Assurance, 4oney
>e#ber 3. -conomics I 6onsolidated fund of India
;othin like the usual campus placement and F3 stuff. &eneration ap I uessV
Overall the e.perience was pleasant. ,e were served coffee, water an
hotel in 4& 3oad. 2he staffs were friendly. But I was cautioned that the first few years will be touh. Probation period will
movin fre0uently to different places to et as much e.per
independent chare of bank. If we 0ualify an e.am after % years, we will be promoted 0uickly to Scale

06<4&V04( 4O14&046C4 / 13

4y SBI PO Interview -.perience and some suestions
I am B.2ech in -lectrical enineerin of %#<< BA26F n still a Bero5arVV
Centre. 'elhi Sbi local head office
Gate. H Ruly
Gocu#ent veri!ication. Self attested all the photocopies and Identity 6ertificate of &a7etted office is a 4@S2. One candidate
sent back because of not havin the same.
GG <o$ic. ,hether India needs a benevolent democracy at present/
1irst % minutes were iven to everybody in se0uence n then aain < min also in se0uence. So no need to worryV
0nterview. = persons $same as those takin &')all in ""
<. ,hy do want to 5oin bankin bein an enineer/
%. Euestions were asked on my aruments iven in &'.
H. On that days newspaper$A 4@S2 3-A')
=. ,hy rupee is fallin aainst dollar, steps taken by ovt
". ,hat is mean by Bpolicy paralysisC.
S. ,hat is &S2
*. One 0uestion on my hobbies.

06<4&V04( 4O14&046C4 / 11

I had my interview on !th Ruly i.e. yesterday in Fyderabad.
GG <o$ic. Privati7ation in education is leadin to dilution of educati
Panel had <% candidates and = were sent back because they didn9t have identity certificate8character certificate8any other
certificate. So take everythin with you uys.
Panel had = persons? H of them above "" and one in =#s
&' everyone of us were iven % minutes to speak and then %nd round of H# seconds with no repetition of points
62<4 ; 2F-D A3- ;O2I;& 'O,; 1-, POI;2S O1 O@3 &' A;' ASQI;& E@-S2IO;S O; 2FOS- I; 2F- I;2-3LI-,
After the &', personal interviews started

4ine was <" minutes interview
>1. <. Are you willin to relocate to anywhere if you et selected/
%. ,hy didn9t you o for PF' after 4.Sc/
H. A 0uestion from my &' points

>2.
=. Dour academic profile is e.cellent and impressive, D don9t you try for IAS/
". Since last one month rupee is depreciatin and the forein investors are now takin back their investments from our
what should the ovt do to restore their confidence/
S. ,ho is the head of the state of &ermany/
*. In ,orld ,ar %, if 3ussia didn9t interfere, what would be the position of &ermany/
!. &ermany ot divided into upper and lower &ermany. ,hat is the ideoloical difference between them/
K. 'o you know what are Qhaps/ 'o you aree with them/ ,hat should be done/

>%.
<#. 3ecently a doctor from 'elhi has one to @SA and did research on 6ancer Bioloy and published a book named $he named
don9t remember it), which ot a pri7e. 2ell me what9s the book and the pri7e/

data. 1ew 0uestion like why enineerin to bankin, father8mother. I was asked to elaborate on
Asked 0uestions on &Q, mostly about your state I some historical places, army chief, first woman head of @;, first
Bankin Assurance, 4oney :aunderin, 2a. Favens, 6obraate, 1rine ta. benefits, etc.
6onsolidated fund of India
;othin like the usual campus placement and F3 stuff. &eneration ap I uessV
Overall the e.perience was pleasant. ,e were served coffee, water and iven a food coupon to have lunch after the interview in a
hotel in 4& 3oad. 2he staffs were friendly. But I was cautioned that the first few years will be touh. Probation period will
movin fre0uently to different places to et as much e.perience as possible. After that mostly we will be iven rural postin and
independent chare of bank. If we 0ualify an e.am after % years, we will be promoted 0uickly to Scale
4y SBI PO Interview -.perience and some suestions I
I am B.2ech in -lectrical enineerin of %#<< BA26F n still a Bero5arVV
Self attested all the photocopies and Identity 6ertificate of &a7etted office is a 4@S2. One candidate
,hether India needs a benevolent democracy at present/
= persons $same as those takin &')all in ""?S" ae.
<. ,hy do want to 5oin bankin bein an enineer/
%. Euestions were asked on my aruments iven in &'.
=. ,hy rupee is fallin aainst dollar, steps taken by ovt to check it.
I had my interview on !th Ruly i.e. yesterday in Fyderabad.
Privati7ation in education is leadin to dilution of education

H of them above "" and one in =#s
% minutes to speak and then %nd round of H# seconds with no repetition of points
2F-D A3- ;O2I;& 'O,; 1-, POI;2S O1 O@3 &' A;' ASQI;& E@-S2IO;S O; 2FOS- I; 2F- I;2-3LI-,
<. Are you willin to relocate to anywhere if you et selected/
=. Dour academic profile is e.cellent and impressive, D don9t you try for IAS/
". Since last one month rupee is depreciatin and the forein investors are now takin back their investments from our
what should the ovt do to restore their confidence/
didn9t interfere, what would be the position of &ermany/
K. 'o you know what are Qhaps/ 'o you aree with them/ ,hat should be done/
doctor from 'elhi has one to @SA and did research on 6ancer Bioloy and published a book named $he named
don9t remember it), which ot a pri7e. 2ell me what9s the book and the pri7e/
P
a
e

<
S

data. 1ew 0uestion like why enineerin to bankin, father8mother. I was asked to elaborate on a
some historical places, army chief, first woman head of @;, first
:aunderin, 2a. Favens, 6obraate, 1rine ta. benefits, etc.
d iven a food coupon to have lunch after the interview in a
hotel in 4& 3oad. 2he staffs were friendly. But I was cautioned that the first few years will be touh. Probation period will be hectic,
ience as possible. After that mostly we will be iven rural postin and
independent chare of bank. If we 0ualify an e.am after % years, we will be promoted 0uickly to Scale?%
Self attested all the photocopies and Identity 6ertificate of &a7etted office is a 4@S2. One candidate was
% minutes to speak and then %nd round of H# seconds with no repetition of points
2F-D A3- ;O2I;& 'O,; 1-, POI;2S O1 O@3 &' A;' ASQI;& E@-S2IO;S O; 2FOS- I; 2F- I;2-3LI-,
". Since last one month rupee is depreciatin and the forein investors are now takin back their investments from our country. So
doctor from 'elhi has one to @SA and did research on 6ancer Bioloy and published a book named $he named it I

P
a
e

<
*

<<. 'olly is famous in biotechnoloy. I answered y it was famous and immediately he asked me when it was born/
<%. 6onin human beins? many ethics are concerned with it. ,hat do you think they should continue e.perimentin on clonin/ I
told the reason and he immediately shooted at me the ne.t 0uestion that so all u bioloists think they should beiven super powers
of od to human beins.$may be he is anti?bioloistGhahaha)
<H. 2F- 4OS2 @;-WP-62-' A;' S23A;&- E@-S2IO;? Dour personal opinion on ;A3-;'3A 4O'I. I tried to not to answer it but
he was promptin to me to answer this, so finally ave a balanced view. Fe was askin as if he was modi favourite while it miht not
be the case. 1elt a bit uncomfortable for this 0uestion since i never thouht there could be 0uestions on politicians8 persons in
particular.
<=. ,hat does your mother and father do/
OQ you may leave now.
4H+ Aain raised the same thin even after I was asked to leave. 6an you compare the pliht of minorities in other states vis?a?vis
4odi9s &ovt/
Overall it was ood e.cept for the 0uestions on 4odi since it is an opinion based 0uestion which can differ from person to person.

Anyways friends I wish you all the best

06<4&V04( 4O14&046C4 ; 12
0nterview / <#th Ruly, %#<H X Fyderabad
3eportin 2ime was ! A4. Lerification of certificates started well before that.
Lerification was done by K.H# A4. Around K.=" A4 we entered &roup 'iscussion hall
GG <o$ic. Is &andhiiri relevant today/
2hey ave H minute time to think. 2hen everyone in the roup ot % minutes to speak.
Aain, there was a second chance of speakin for half a minute.

0nterview
4ostly they asked me on my academic backround. Some of the 0uestions were+

,hy don9t you look at opportunities in biotechnoloy/
,hich is the larest biotech company in India/
,ho is the 6-O of it/
;ame any two famous women personalities in Indian bankin.
;ame some -nlish authors. MI didnPt mention readin as my hobby. Inspite of
that, this 0uestion was posedN
,ell, u named Sir Arthur 6anon 'oyle. ,ho was the central character in his
novels/ $Ans+ Folmes) ,ho was his assistant/ $Ans+ ,atson)
'id Folmes die/ In which novel and what was the place mentioned in the
novel/
,hy do you like SBI/
&ive me some uni0ue features of SBI.
6ompare and contrast 6orporate Social 3esponsibility of SBI vis?a?vis other
companies.
Are you ready to relocate/
,hy don9t you try civil services/
&ive me a piece of information on phylum arthropoda. ,hat does spider come under. MSince I was from bioloy backroundN
2ell me some techni0ues of ardenin.
,ho is your favourite Bollywood actor/ ,hy/
If you are iven a place in 6orporate Social 3esponsibility, what would you do/

2hese were the 0uestions. 2he board was very friendly and supportive..
06<4&V04( 4O14&046C4 ;13
Fi all,
4y &'8PI was done on <<8#*8<H in 'elhi centre.

1)ase . 1 I 6ertificate verification. It was stricter than what I e.pected. So, be prepared to answer 0uestions based on your mark lists
and any discontinuance in your career. One more thin to be taken care of is the sinature and it should be similar to what you have

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put durin e.am. 1urther, make note of your test centre as it was also bein asked to test the authenticity of the candidate in
0uestion.
1)ase . 2 I After the verification, we were taken to a conference room and then the panel arrived. 2hey ave us a topic and ave %
minutes time to ponder over the issue. 2hen each person is iven a % minute duration to convey his points. After one round, they
ave each of us one more minute to conclude8add upon our discussion if any. 2hen , the panel left and we were kept waitin in the
hall . Our &' topic was B2here should be a moratorium on strikes and bandhs for <# yearsC.
1)ase . 3 / Interview
-ach person was called and on an averae the interview was <" minutes. 4ost of the 0uestions were based on bankin in eneral,
why personal interest in bankin. :ittle about the &' topic and of course, biodata.
Some 0uestions asked by the panel are +

,hat are the problems that bankin face these days /
,hat are the strenths of bankin in India /
,hat is :ender9s liability/ $It seems this was on that day9s newspaper)
,hy SBI , why not other banks /
Other profile based 0uestions.

2he certificate verification was strict while the &'8Interview panel was cordial.
All the best VV

06<4&V04( 4O14&046C4 / 1%
0nterview Gate. #K8#*8%#<H
Venue . SBI :FO,Banlore
<i#e . ! am
6andidates attended+ " $< was absentVVV)
'ocument verification ot over by K
GG <o$ic. Private sector participation in Indian infrastructure development
1anel . <..6hairperson + 4r. Fariharan
:asted for around <"?%#minutes.
:ot of opinions put forth and discussed. All of us spoke in favour of private participation with some cautious measures reardin
controlin monopoly, transparency issues, competition etc. By far it was a ood e.perience.
0nterview.
<i#e. <<+%#
Guration. %#mins
6hairperson asked tell me about yourself. Asked about my family and parents profession
About my views on nelience of rural Qarnataka in comparison to Banalore?oriented development
4easures to improve rural economy
1alterin Indian economy and its conse0uences on rural India $I ended sayin thins will et better n rowth will pick upVV)
>e#ber1 $I was unable to understand what actually he was talkin aboutVV6ouldn9t make out the words)
Some of the Interview Euestions ?

Some head of Assam $it was so difficult for me to make out what actually the 0uestion was, all I could make out was the word
Assam n I ended up sayin Sorry Sir, I don9t knowVV)
<st person to climb 4t. -verest
3easons for Sanctions imposed on Iran and ;orth Qorea
3easons for attack on Ira0$2he member 5okinly said that Saddam Fussain was very much abusive of @S and so they
attacked Ira0)
6ountries that have ranted asylum to Snowden

>e#ber2.
Started askin 0uestions on various temples in India for which I9d no answers n I plainly said Sorry sir, I9m not aware of
them. Still he asked about &olden 2emple, Belur and Belur mut, which I was able to answerVV
Qerala bein a neihbourin state is ahead of Qarnataka in terms of rowth and welfare. 6an you state the ma5or reasons/
nswer. Fih literacy rate, less ender parity, reater inclusion and ood overnance

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,hat are the measures to improve the state of rural India/
nswer. Improve literacy rate, improve state of ariculture, financial inclusion to eradicate rural indebtedness, improve
infrastructure of rural India and also health status of the rural people.

:ater he started askin me how you as an individual can help people, the moment I started to say spread awareness of education,
financial literacy. Fe interrupted sayin will you o and teach each villaer individually, fill up their forms individually/ 1or which I
said a 0uote of Baba Amte? BIt9s better to teach a hunry man to catch a fish than to feed him a fish everydayC. It ended thereVV
2hen Hrd member took over. Euestions were more on -conomy
Base 3ate
Fow can Base rate affect an economy
'eficit financin.
I41 and its historical sinificance.

I was able to answer all these 0uestions comfortably
Overall it was a very ood e.perience and all other candidates were very friendly and the panel was also cordial.

LL <54 V4&Y B4*< 9&2> B 9>0LYPPP

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