IBPS PO VIII Interview Experience – 19 | Vansh Bhatia

DATE: 3 February 2019 
VENUE: Hotel The Grand JBR, Lucknow
TIME: 1 PM 

Reached the centre at 12:15 PM. Entered DV room. DV waale sir recognised me. I don’t know how. 
DV: Aaiye Bhatia Sahab form bhariye. Aazam Khan (My city’s MLA) se milte rehte hoge. 
ME: Pehle mila tha
DV: Samajwadi Sarkar mei(Laughte huye)
ME: Ji Sir!
After DV we were asked to go upstairs. I was fifth in the list. The door guy called me when I was listening Kar Har Maidaan Fateh. I waited for about 5 minutes outside. Then the door opened & panelist asked door guy about the lunch. So they went for lunch. I was looking at them wondering ki pehle mera le lete. After lunch time, my turn was about to come when panelist called another guy over me (I don’t know why). Finally the bell rang & here me entering the room.

Panel II: 5 Members
Total Members: (3 Male, 1 Female)

“Good morning sirs & Good morning mam (Blunder)”
Chairman: Naam kya hai?
ME: Vansh Bhatia.
Meanwhile another sir entered the room(I stood & wished him Good Afternoon sir. Thankfully he also replied & asked me to sit).

L1: Rampur se ho?
ME: Yes mam.
L1: MLA kaun? 
ME: Aazam Khan.
L1: abhi tak(with a smile)
ME: Yes mam.
L1: Kya kiye ho?
ME: BBA last year.
L1: So MBA kiye ho?
ME: No mam BBA.
L1: Yaha to mba likha hua hai. Acha acha bba
L1: Kis specialisation mei kiye ho
ME: Finance
L1: Aapki posting ek chote shetra mei hai ar aapko apni branch ka business expand karna hai. 50 bank accounts ka target hai. Kya karenge aap?
ME: Mai market place ko target karunga and shopkeepers ko convince karunga jisse wo current accounts khulwaye.
L1: Savings account bhi chahiye. 50 zyada ho gya ek din ke liye. Aap 15 savings and 5 current khulwaiye
ME: 5 shopkeepers ko convince karunga to open current accounts and saving accounts ke benefit bhi btaunga jisse shopkeepers ke family members savings account khul sake. Kyuki generally ek family mei 4-5 members hote hi hai.
L1: Types of cards btao
ME: Basically 2 type ke hote hai. Debit card & Credit card. Debit card mei jitna balance hota hai utna hi withdrawal. Credit card mei overdraft limit milti hai.
L1: Credit card kaise bechoge?
ME: Is baar salaried class ko target karunga. Isse bank ko benefit hoga kyuki credit card pe bank ko interest milta hai & agar koi timely repay ni kar paaya to kaafi penalty bhi lagti hai jisse bank ko fayda hota hai.
M3: Indian Economy ki sabse badi problem kya hai?
ME: Farmer’s distress sabse badi problem hai.
M3: Kyu hai problem Sarkar kya kar rahi?
ME: Farmers ki income mae substancial increase ni ho ra hai jitna hona chahiye as per inflation. Sarkar ne budget mei PM Kisan Yojana shuru ki hai jisse farmers ko 6K Rs. direct benefit transfer se milegi 2K ki 3 installments mei.
M3: Isse dugani ni hogi income bhut km hai. Sarkar ne dugani karne ke liye kya kiya?
ME: Budget mae hi animal husbandry waale Kisan Credit Card ko 2% interest subvention diya & timely repay karne mei extra 3% aur milega.
M3: Isse income kaha bdegi ye to kyi saal se hai.
ME: Sir ek kaam kar sakti hai sarkaar. Farmers ke land ko pool karde kyuki kaafi zyada log ek choti si zameen pe kheti karte hn. Isse income increase hogi.
M3:  Ye aap cooperative farming bol rahe ho ya ______(C se kuch tha) farming. 
ME: I don’t know the type but aisa kar sakte hai farmers.
M3: Cooperative se to kuch hoga ni?
ME: Cooperative se ho sakta hai. Par farmers ko 14% real growth chahiye 4 years mae. That’s not possible. Gujarat mei isse kuch ni hua.
ME: Input Materials mae jo Government subsidy deti hai, farmers ko 1 time free mei dede. 
(I was about to say about organic farming)
M3: Thank You beta (with a big smile).
ME: Thank You everyone & left.
All The Best Vansh Bhatia!

     

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