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The Interview

Interview will begin and you shall face 3 - 4 senior bankers that might be from IBPS or any of the
participating banks. Relax and take your seat with a smile on your face.
Keep in mind that they know that you are capable of holding this job as you have already cleared the
written test. Now all the matter comes down to just one thing - Do you really want to work in a
Bank ??. All the Interview will revolve around this one question and you have to make them feel that yes
you really want to be a bank clerk and are not motivated by any other external factor (Even if you are :) ).
Okay, now the first question will be - Tell us something about yourself ??.
Go through this article and sample questions and answers to gain some really helpful and proven tips that
will help you succeed.
1. Tell us Something about Yourself ??

Here, Do not read all the data in your resume and also do not go too deep about telling
about your parents, village and grand parents etc. For example, avoid answers like- "My
village name is XYZ which come under XYZ District. My school name was
XYZ school etc....."


How to Answer 

Be natural and calm. Speak Slowly and Tell them about your strengths,
achievements and passions etc. This question should not take more than
3 Minutes to be answered. Always Keep in mind that they know that you are
capable as you have already cleared the written test, now you have to show them
your suitability and genuine desire for this job and make the interviewer feel that
you are the right person as a bank clerk.

2. What are your Strengths and Weaknesses ?

This is again a very commonly asked question. The Interviewer here wants to analyze how
much you know of yourself.


How to Answer 

You should mention your strengths that are beneficial for them. For example, It
should not be like "I am a very good cricket Player", Rather you should
focus on strengths that are related to that job. For example, "I have good
communication skills" Or "I Like Interacting with people" Or "I am
good at a analyzing Problems and working in a team to find out
appropriate solutions".

the high recent growth opportunities in banking really motivated me to opt for it as my career. I will do my job to the best of my abilities. Similarly do not say phrases like "I am short tempered" Or "I get angry very soon and can do anything in anger". For exampl. It shows that either you are Overconfident or have not assessed yourself and don't want to talk about it. If you have done B. or any other technical course then this question will surely be asked to you .Tech. why you want to leave your current job ? o Remember not to criticize your Current Job or company here. I realize my skills will really help me serve the bank and attract more customers and business. 4. Rather you should genuinely mention the areas that are related to your professional life and you are trying to get better at them.Tech. If you are working.  For example "I am interested in making a long-term commitment to my next position of Officers Of Higher level.Why a low paying Bank Clerk Job after B. 5. o How to Answer  Answe it realistically and do not say .You should not say that you do not have any Weakness. "I Would want to get better at managing time and increasing my productivity" 3. when you can get more salaries in Private sector working as an engineer ? o How to Answer . Rather you should answer in such a way that ensures that you are interested in making a long-term commitment towards the bank job and will have a long term and mutually beneficial association with them. I am confident that here i will have opportunities to advance my skills and provide best of my services to the organization.Weaknesses :."I will be in your seat after five years". o How to Answer  I am really excited and attracted by the social and financial security in the banking sector and moreover. Where do you see yourself after five years from now? o Here The interviewer wants to know your knowledge about career path in the job and what is your level of commitment to the job they are offering.

o How to Answer  Its Tricky question. Switching to a job of same level in another industry like SSC after getting good experience in banking does not make sense to me."  Do not answer in such a way so that the interviewer would feel that you want to avoid work and so want to quit private and join government sector. will you leave us ? o How to Answer  I really want to join bank and if i get selected.  Never straight away say that "I did not get a job in Private sector" or "There is lot of stress in Private jobs and government jobs are less intense and more flexible. . Here you must indicate the Positives of your father's career and avoid mentioning the downs if any were there as it might reflect in your career and perception also towards your work. 7. 6. Make sure to mention clearly his job background and smoothness and stability that has been there throughout your father's career.). You may say you are here due to high degree of attraction in the banking sector due to recent Positive economical changes and India's emergence as economical power.  Rather you should answer It realistically to show your genuine desire of working in a bank. You should manipulate your answer to prove that your engineering degree would be beneficial for you in interacting with people and creating more business relationships for Banks. What is your father's Job Background ? o Here the Interviewer wants to know how stable has your father's career has been so far.  Remember. my all energy will be directed to my growth as a banker and serve to best of my ablities. If you get a better job in Public Sector (IAS/PCS Etc. Here The interviewer wants to know your level of willingness of working in a bank.

Even if you do not know the answer (and even can not find the answer). So by far we have covered almost all of the general questions that are asked to almost all of the candidates in Banking Interviews. Do not say something which is not true about you. Here the interviewer doesn't really want to hear exact answer from you rather they want to see if you are able to analyze the correct problem or are you just trying to hurry up without taking the time to analyze and putting some effort. 9. do not hurry up in saying NO. everyone likes to be in a better position so if i get an opportunity in much higher scales like IAS. you should not Hurry up in telling the answer even if you know it. So you should answer these questions by taking time. Puzzles type questions may be asked to anyone in any Interview. Why should we Hire you as a Banker ? o How to Answer  Interviewer wants to know your suitability for the job so in this questionyou should tell about your Strengths and achievements so far. otherwise i shall continue as a dedicated banker all my life. Make sure that you make them feel that you want to join bank as it your inner desire. PCS then i will leave bank. which is a must. You should mention your strengths so that they would come to know your fitness for the job. o So If asked any puzzle type question. try to mention good things about you that are related to that job and this will surely prove your usefulness. They just want to see your practical approach that will be useful during you job period. Remember that the Interviewers are very Experienced and they will realize if you are saying truth or just trying to Outsmart them. drawing it and asking them for clarifications. Still."  Instead. 8. not due to the fact that you just want to escape pressure and stress of Private sector. Answering the Puzzles type Questions! o Although not so common. . It will make them feel that you believe in analyzing the client requirement before reaching to any conclusion. This will surely fill the interviewer's purpose. Rather you should draw the picture of problem on a paper(even if you know the answer) and take some time to analyze it (ask them if you do not understand it correctly). Avoid using phrases like "This is the Best Company" or "I want to work in this field.

 What was the Headline in Today's Newspaper?(Main Page and Financial Page Both).  Electronic Clearing of Cheques. Cheques.  Financial Inclusion and government steps for it . how can u use technical knowledge in correcting the balance sheet?  How Can NPA be reduced ?  What are FDI (Foreign direct investment) and FII (Foreign institutional investors) and what is the difference in these. A few banking related questions that are most widely asked are  What are NPA (Non-Performing Assets). Demand Drafts and other Money Market Instruments. Tourism Ministers )? .  Difference between Bill of Exchanges and Certificate of Deposit.  Headquarters of Indian Government Banks.  How to Fight Inflation and Current Indian Scenario about Inflation. stay updated to all of recent important Appointments and Summits (Ourcurrent affairs section will help you surely). 70% of your Interviewed is decided on the basis of the general mentioned questions and 30% is your technical knowledge of banking and current affairs. Deputy Governors and Current Chiefs of all Indian Important Financial Agencies. as it is a banking Job Interview. which plans are addopted by government ?  RBI Governors.  What are functions of Banks and How does banking effect the economy of the country?  Difference between Fiscal and Monetary Policy ?  Number of Districts in Your and Nearby States ? Governor.Jan Dhan Yojana Etc. you must be prepared to face up with some 5-10 questions related to banking and current affairs. Chief Minsiter and Other Ministers of Your State (Like Education.  For unemployed people. For current affairs.  What steps the Recent PM Narendra Modi Government for better ment of Indian Economy.  Types of Bank accounts and Interest rates offered under each.  RBI Key Monetary Policy Rates and their Current Value.Now.

NABARD. SEBI.  How is Future growth of commercial banks in India and any hurdles to it ?  Banks VS NBFCs (Non Banking Finance Companies) ?  Questions About current five year plan and Newly formed NITI Aayog.2.  RBI's Role in Economy. Miss India. Financial Inclusion o SARFAESI ACT (The Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act) o Roles of RBI. o Bank Account Types and Rate of Interests on Them o CTS (Cheque Truncation System ) o What is INFLATION ? It is good or Bad ?and how can it be controlled ? o What is FDI ?Is it Good or Bad ? Limit of FDI in various Sectors in India ?How is it Different From FII ? o What is Stock Exchange ? How many are there in India ? Number of Shares on NSE and BSE ? Remember that although you know these terms and current affairs related to banking and common issues.  Important Banking Terms o GAAR (General Anti . Even if you do .  Important People of India . Miss World Miss Universe Etc. IRDA. CM and Governors of All States.Chief of Planning Commission and Election Commission Etc.3) o Banking Regulation Act. Latest Noble Prize Winners.  Direct and Indirect Taxes In India. Money Laundering. yet these questions do not play a big role in determining your selection or rejection. Padam Awards Winners.Avoidance Rule) and GST (Goods and Service Tax) o CAR (Capital Adequacy Ratio) o Balance Sheet and NPA ? o BASEL Norms (Basel 1.

genuinely say "NO Idea Sir!" rather than wasting time and trying to fool them with random answers. show them that you are useful and you will surely be Hired!! .not know an answer. To succeed.This will surely make them believe that you are a fit for this job!! Although we've presented comprehensive list of commonly asked questions but still the list is endless and you may be asked anything other than these. you should keep in mind that you have to sell you professional side. It's just not worth it! Although you should not memorize any of above sample texts and should say it in your words to convey the idea which is to prove your usefulness!!.