IBPS PO: INTERVIEW EXPERIENCE 59


NAME- RUAPM KUMARI
BRANCH- B.TECH. 
DATE- 27-01-2016
TIMING- 8:30 AM
VENUE- BOI, STAFF TRAINING COLLEGE NOIDA SEC 62
PANEL- 02

Hello friends!!
I will not go into the details of verification process.My panel consisted of 1 female member and 4 male members.My interview lasted for 10 mins
F1- Introduce yourself?
ans- I told my name, my mother’s and father’s name and their occupation, my graduation related info, my key achievements and some of my qualities.

F1- What were you doing after your graduation?
ans- As I was always keen in making career in banking, so as soon as I completed my graduation, I started preparing for bank exams. In 2013 I cleared IBPS PO written exam and appeared for the interview but I could not make it to the final list. I cleared IBPS PO pre and mains exam in 2015 and here I am for the interview
M1- What is money laundering,what is the name of the act to prevent it?
ans- Money Laundering is the process of concealing the source of money. RBI has launched Prevention of Money Laundering Activities Act 2002 to ensure that banks are not used by money launderers. It exposes the banks to legal risk, reputational risk, operational risk, compliance risk.

F1- What is kyc, what are the documents required to open an account?
ans- KYC is the acronym for Know Your Customer. RBI launched KYC norms to protect banks from money laundering activities. KYC has four key elements: customer acceptance, identity proof, transaction monitoring and risk management. 
M1- What is financial inclusion?
ans- Financial Inclusion is the provision of banking services at an affordable cost to the vast section of under privileged and low income groups. Social Inclusion is not possible without Financial Inclusion. PM Sri Narendra Modi has categorically declared that one bank account per household is a national priority.
M1- What is jan dhan yojna?
ans- It is a scheme under Financial Inclusion, launched by PM Sri Narendra Modi. Its slogan is ‘MERA KHATA, BHAGYA VIDHATA’. It provides accidental insurance of 1 lakh and a life insurance cover of 30,000. It will also provide Rupay debit card and an overdarft facility of 5000 in case of regular use of account for 6 months.
M1- What is NPA? how is it hampering banking sector?
ans- NPA stands for Non Performing Assets. When a customer is not able to pay back the loan or the interest for a period of 90 days, that loan is called NPA. In NPA, not only the interest is lost but also the principal amount is lost. Because of NPA, banks suffer different problems like profitability of the bank comes under risk, confidence of public is lost, mismatch of asset and liabilities. 
M1- Tell us something about sukanya samridhdhi yojana?
ans- This scheme was launched by Haryana govt. to balance the inequality betwenn girl and boy child in the society. This scheme gives the maximum interest rate of 9.2%. Minimum amount is 1000 and maximum amount is 1.5 laks to be deposited in this account in a financial year.
M1- What is its maturity period?
ans- Maturity is 18 years or the marriage date of the girl child, whichever is close. closing period is 21 years.
That’s it folks!! I was nervous in the beginning but after a while I got calm.
Taking coaching at CAREER POWER helped a lot. I will thank RAVIKANT SONI SIR for his guidance and notes. All the questions that were asked from me were given in his notes.
Thank you!!



Name:  RAHUL
Time: 1:00 PM
Venue: PNB CIRCLE OFFICE SEC.17 CHANDIGARH
Panel: 1 

There were 5 mem in panel include one lady ,when my turn is came i entered in room with confident nd wish all of them nd they reply nd asked me to sit ,i said thankyou nd sit

M1- whats ur Name Mr.
me- reply


M1-So Mr. Rahul tell us about ur self?
me-I explained very well nd my introduction finish with my father’s occupation.My father is retired banker .

M2- Family k bare me or btao
me- My mother is house wife, nd i hv a elder brothr who also worked in Bank they all smiled

M2- Aapne apne father or brother se kya sikha bank k bare me, means they want  to know that what is bank?
me- Explain

M3- Apke father or bro. ne apko kya btaya k interview kese dena h?
me- I said tht they said to me tht u give all your ans, with confidence and which qus. u don’t hv ans. say sorry sir don’t know abt thts and never lied.

M3- laughing nd said jhuth nhi bolna ye to galat btaya unhone
me- smile 🙂

Now mam’s turn

F1- Tell me about black box testing?
Me- Sorry mam i don’t know

F1- What is virus?
me- Ese prog. jo khud ki pritilipi bna lete hai or kisi bhi file k sath network me spread ho jate h.


F1- Diff b/w virus nd malware?
me-little bit explain but mam not satisfy

Now again same qus, from M1 that

M1- Or kya btaya apke papa ne
me- Andr se to yhi chl rha tha sir ap papa ka mob.num lelo unhi se puchh lo kya kya btay lol:-P but i say they tell me abt cheque d.d acc. etc


M1- So wt is diff b/w cheque nd D.D
me- Explain nd 1-2 cross qus. about tht
       
one mem. M4 remain sileint in whole disscusion

M1- Ok Rahul now you can go
me- Thankyou Sir,

Don’t know ki intrvw kesa hua coz unhone father or bhai ne kya btaya iske alawa kuchh khas puchha he nhi.. Hope All is Well.

All The Best!!!!