Lucknow RO Jandhan

11 jan 2023
PERSONAL QUESTIONS
1. Tell us about yourself? Or What type of personality are
you?
2. What are your Hobbies?
3. After doing engineering, why do you want to work in the
public sector?
a. Why public sector over private?
4. Being an out-and-out metro person, what is your
motivation to work in the rural areas and agriculture?
5. What have you prepared for this interview?
6. Tell us something about yourself, not mentioned in the
biodata?
7. What are your strengths and weaknesses?
8. How will you utilize all your experience in NABARD? Tell
from grade A till DDM Post.
9. As a young man what makes you angry?
10. If you are posted in your district what will you do to
improve? How you will bridge the gap? What will be your
strategies?
11. Why NABARD instead of private sector?
12. Why not civil services?
13. Where did you read about NABARD? get the article title
from question paper and date.
14. How did you prepare for the interview?
15. What other exams have you tried apart from NABARD?

Current affairs related questions:

1. Tell me something about any contemporary issue in the
agriculture sector.
2. Tell us what is going on in news recently.
a. Russia-Ukraine crisis
i. Reasons for the war
 ii. What are the opportunities and challenges for
India in terms of Agriculture trade?
b. Israel vs Gaza war
c. Silkhary tunnel incident
d. Air pollution in Delhi
3. How do you create a unified market, and better
transportation facilities?
4. Controversy about Dhara mustard? ICAR has told their
scientist to shut their mouth in front of media on a specific
issue. Positive issue from GEAC point of view. Negative
issue from environmental activist point of view.
5. Women Empowerment
a. Why women need to be empowered?
b. Why women are marginalized?
c. List Women Empowerment initiatives?
d. How it will Empower Women?

Banking related questions:

1. Cooperative
a. Name of cooperatives bank in Bengaluru?
b. How is the Cooperative structure?
c. Why cooperative dominant in Maharashtra,
examples, functioning, limitations of cooperative?
d. Difference between Urban Cooperative and Rural
Cooperative?
2. Regional Rural Bank
a. What is the Regional rural bank objective?
b. Who are the sponsors of RRB in Karnataka?
c. Difference between RRB and Rural cooperatives?
d. Ownership of RRB?
e. RRB vs RCB?
f. Why RRB’s number are reducing?
g. How RRB differs from Cooperative with respect to
Ownership and Regulations?
h. Difference between RRBs and SFBs?
 i. What help does NABARD offers RRB?
3. What is the difference between Commercial bank,
Cooperative and RRB?
4. What are PACS?
a. Purpose of PACS?
5. Financial Inclusion
a. What is Financial Inclusion?
b. How it will help the country?
c. What is SHG Bank linkage program?
d. How fintech companies are helping in financial
inclusion?
e. What are the RBI strategies for Financial inclusion?
f. What is NABARD doing for financial inclusion?
Measures taken by NABARD to promote financial
inclusion?
g. What are the products offered in financial inclusion?
6. FINTECH
a. Name few fintech companies?
b. What are the issues with fintech companies?
7. What are Payment bank?
a. Why we need Indian post payment bank despite
having cooperatives, rural banks in rural areas?
b. How Payment bank helping in banking sector?
c. How Payment bank helping in rural credit?
d. Difference between Small Finance bank and
Payment bank?
8. Small Finance Banks (SFB)
a. Are SFBs subjected to PSL norms?
b. What are PSL norms?
c. What help does NABARD offers SFB?
9. Explain Banking Regulation Amendment 2020?
10. What is Digital currency? What are the issues in
adopting Digital currency?
11. What is Digital technology and lending of loans?
12. SHG
 a. What are the suggestions for SHG Improvement? A:
Need to digitalize book keeping
b. What is SHG BLP Program?
c. Significance of SHG?
d. How does NABARD support SHG?
13. Rural banking
a. Structure of Rural banking system?
b. What are the problems in Rural banking?
14. Schemes
a. crop insurance
b. health insurance
c. life insurance
15. Micro Finance
a. What is MFI?
b. What is Micro Finance? How NABARD promote MFI?
16. What are Local Area banks?
17. What is Core banking solution?
18. Indirect lending vs Direct lending? NABARD does direct
financing?
19. What is Bank Rate? How much is it?
20. What is Bad Bank?
21. Rural Financial Institution
a. What is Rural Financial Institution?
b. About Rural Financial Institution in Karnataka?
22. What exactly Sponsor Banks do?

ARD QUESTIONS
1. What is Natural Farming? How it is different from
Conventional Farming?
2. APMC
a. Role of APMCs in Agri-marketing?
b. What was the provisions for APMC in Farm Laws?
c. Can FPO sell outside APMC? A: YES To other states
also? A: YES
3. What do you know about commodity exchange?
4. What are minor forest produce?
5. Watershed
a. Definition of
i. Watershed development (Ridge to Valley
approach)
ii. Said bunds
iii. Check dams
iv. Water harvesters
v. PRA-Participatory rural appraisal
b. Significance
c. How it works?
d. Bank’s role?
e. Relation between watershed, tribal and jiva?
f. How it is implemented in our area?
g. What is Wadi project?
6. Technology
a. What is digital agriculture?
b. How Digital technologies help Agriculture?
c. What can be done to make farmers adopt new
technology?
d. What are the advantages of using drones and robots
in agriculture? Where will the laborers go? What can
be done for them?
e.
7. What is Farm mechanization? How it is effecting job
losses in farm sector?
8. Which Crops got GI tags recently? Crops from Karnataka
which got GI tag?
9. Agriculture Census
a. Which is the Top paddy producing state in India?
b. What is India’s ranking in rice cultivation?
c. What is the contribution of Agriculture towards GDP?
Laborers in agriculture?
d. What is the condition of agriculture in India?
e. Home state agriculture profile.
10. RIDF
a. What is RIDF?
b. Source of funds of RIDF?
c. RIDF sources and disbursement is done to?
d. Interest rates under RIDF?
e. Differences between RIDF and NIDA. Elaborate
discussion about margins?
11. What is Green revolution? Impact and contemporary
challenges related to Green revolution?
12. What is White revolution?
a. Question of white revolution in relation to Amul and
cooperative societies?
b. How white revolution benefits farmers?
13. FPO
a. Why do we need FPO?
b. Their structure?
c. Advantages?
d. Limitations?
e. Examples?
f. FPOs legal entity?
g. How can FPO help farmers?
h. Name of FPOs in Karnataka?
i. What are NABARD’s initiatives on FPO?
j. How NABARD is helping and promoting FPO?
k. List of FPOs from Karnataka? What specifically are
they engaged in?
14. List of crops grown in Karnataka?
a. Percentage share of Karnataka crops in all India?
b. Which crops are famous in Karnataka and why?
15. What is MSP? What is MSP of wheat?
16. Which Agriculture credit are you aware of? Is it a failure
in implementation?
17. What will you do to improve the agriculture credit
situation of our country?
18. Why so low enrolment in Crop insurance?
19. What is KCC?
a. What are the challenges related to KCC?
b. How NABARD is promoting credit?
20. Harvesting gold from agriculture.
21. What is Agrosilvi culture?
22.

ESI related questions:

1. What is Financial Inclusion Technology Fund (FITF) and
Financial Inclusion Fund (FIF)?
2. What do you mean by Micro-ATM?
3. Why the number of PSB’s are reducing? is it good that the
number of PSB’s are reducing?
4. What are the major Agriculture issues in India?
5. Farm Laws
a. After the repeal of farm laws, what impact will it have
on FPO Promotion and creation?
b. Why farm laws were removed?
c. Is there any relation between FPO and farm laws
removal?
6. Direct Finance
a. What is Direct finance and Refinance Function?
b. What are major Direct Finance Funds?
c. What are different Direct Finances?
d. Whom does NABARD provide direct finances?
7. Is borrowing heavily from market advantageous?
8. What is Green Hydrogen Mission?
9. What is CBDC?
10. What is CLAMS?

NABARD related questions:

1. What do you know about NABARD?
2. What are the functions of NABARD? Functional work of
NABARD (Refinance scheme, RIDF)
3. What are the Financial functions of NABARD?
4. What are the works of NABARD in rural areas?
5. Achievements of NABARD in last one year? In last 40
years?
6. List the subsidiaries of NABARD and their functions?
a. How the 3 subsidiaries which are partially owned by
NABARD different from others?
7. What is NABARD’s role in Mechanization?
8. What are the development functions of NABARD?
9. What has NABARD done for Women Empowerment?
10. List few Issues in Agriculture sector, what are the
solutions for those issues and NABARD initiatives for the
same issues?
11. Comparison of NABARD(DFI) and SBI(Bank)
12. CSR activities of NABARD? A: Mentioned in the
Biodata.
13. SDG – NABARD
a. What are SDG goals? When it came into picture?
b. India’s role in SDGs?
c. How NABARD is helping towards SDG?
d. What NABARD is doing in Sustainable development?
e. NABARD’s initiatives regarding climate changes?
Mention specific projects? A: mention about
NABARD role in UNFCC GCF
f. What NABARD has done for poverty elevation? A:
WASH Program
g. What is NABARD doing for Health and Hygiene?
h. About my pad my right initiative? Which SDG it will
achieve?
14. How can you contribute to developmental functions of
NABARD?
15. Schemes related with NABARD
a. Role of NABARD in PMFBY specific activities taken
up by NABARD?
16. How much Digitization NABARD is doing in its
operations?
17. Agri-incubation centers by NABARD
a. What is Agri-incubation centers?
b. Where are have they established?
c. Is this a good initiative or should be closed?
d. What is the difference between ABAC and Agri
incubation centre?
18. What has NABARD done in your district and state?
19. List the IT initiatives of NABARD?
20. NABARD initiatives
a. UPNRM
b. RIAS
i. Difference between RIAS and RIDF?
c. JIVA, States in which JIVA Implemented?
d. NIDA
21. Is there a Research and Development department of
NABARD? What are its functions?
22. What NABARD is doing for Agriculture?
23. What are Supervisory Role of NABARD?
24. What are the types of Supervisory Roles?
25. About Rural Banks? What does NABARD do for Rural
Banks and PACS in particular?
26. Are too much borrowings good for NABARD?
27. What is the NPA of NABARD. Currently what is the total
amount of NPA? Why it is low as compared to other
banks?
28. What is JAM Trinity?
29. What NABARD is doing for farmers? Ans promoting fpo
30. What is the NPA of nabard? Ans 0.31. Is it gross or
net? What is the difference between gross and net?
31. How NABARD is promoting Credit?
32. What are the changes over last year or achievements
since last year by NABARD?
33. NABARD Annual Report
a. What areas have you prepared from the NABARD
Annual Report?
 b. What are the NABARD Annual report Highlights?
c. What does the front page indicate?
d. Questions on millet?
e. Difference between MEDP and LEDP?
34. NABARD Balance Sheet
a. Can you say something about the financials (balance
sheet)?
b. Have you seen NABARD’s balance sheet and
different funds in it?
c. What is Warehouse fund? What’s it uses?
d. Any changes in balance sheet?
35. PLP Report
a. What is Bengaluru district PLP report highlights?
36. State Report
a. What is Karnataka district PLP report highlights?

IT related questions:
1. What are Cybersecurity problems in Rural Institutions?
What we can do to improve it?
2.

Interview ending question:

1. Do you have anything else to add or say?
2. Anything you want to say to us?
3. Would you like to share anything else?
4. Anything you would like to say to conclude?
Suggestions?
1. What suggestions can we give for NABARD?
a. Dashboard to showcase the stats from report
2. Suggestions for NABARD Website? In terms of
a. Security
b. User friendliness
c. User interface
Extra – out of the box questions