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RBI Grade B Interview Questions Asked

The RBI Grade B 2023 Interview will begin soon after the Result for phase II of RBI Grade B 2023 is out. The candidates who appeared for the Phase II exam on 30 July 2023 must now start preparing for the interview round. The candidates must note that for the final selection, the score of the mains and interview rounds are added to make the final result. The right preparation for RBI Grade B Interview is as important as any other round. Here in this article, candidates can get RBI Grade B Interview Questions Asked to candidates who have appeared in the RBI Grade B Interview In Past.

Questions Asked In RBI Grade B Interview

The RBI Grade B Interview Questions Asked are an important source of interview preparation. The candidates can understand the demand of an interview and get a broad idea about the nature of questions asked in the RBI Grade B interview. The interview transcript is a good source to analyse one’s own profile and prepare some questions beforehand. The questions asked to candidates vary as power their background and their experience. Here in this article, we have given the Transcript for past years’ RBI Grade B Interview Questions.

Candidates No 1

Why did you go for higher education?
What is the importance of higher education?
What is a lead bank?
What are the deposits/advances of your branch?
Questions on the import basket of India?
What is NPA?
What are the steps taken to reduce the import of gold?
Percentage of petroleum products imported?
Why leave Po?
What will be the pros and cons of bank privatisation?
What are Basel norms?
What is the second most important function of RBI according to you?
Before an asset is turned into NPA, what are the various stages it goes through?
You’ve talked to many SMA borrowers, what are the major reasons for defaults?

Candidate No. 2

Explain the functioning of the Vidya Lakshmi portal and its role in assessing education loans.
Elaborate on the Turnaround Time (TAT) for education loans.
Discuss common reasons for the rejection of education loan applications.
What is the official vision of PNB, and how does it align with your career goals?
How did you manage your academic commitments and work responsibilities during your final year and first year of employment?
What aspects of RBI’s work culture and objectives attract you the most?
How does the banking sector, specifically, demonstrate transparency, and why did you choose it over UPSC?
Define transparency in the context of banking and address concerns related to this aspect.
Explain what stressed assets are and provide reasons for their occurrence.
Define FINTECH and describe its significance in the financial industry.
How would you approach cross-selling financial products to education loan customers?
Could you share examples of customer complaints you’ve encountered in your banking role?
If given the choice, which department within RBI would you prefer to work in and why?
What is your favourite subject in Economics, and how does it influence your approach to banking?

Candidates No. 3

Here are the interview questions asked:

Explain the components of RBI’s balance sheet and income statement.
Differentiate between the balance sheet of RBI and commercial banks.
What is the capital of RBI? Why is it relatively low (as you mentioned 5 crore)?
Why can’t central banks go bankrupt?
Could you elaborate on IFRS? Discuss its implementation status in banks and reasons for not implementing it yet.
Describe the Code of Ethics for Chartered Accountants.
Let’s discuss the multitude of opportunities in a CA career.
What supply chain management challenges is India currently facing?
Could you provide insights into the Yes Bank issue? (If applicable, you can apologize for not recollecting earlier)
Explain the concept of AT1 bonds and their significance.
Define “quality of capital” for banks, focusing on its implications.
Detail the composition of foreign currency assets in a bank’s balance sheet.
Are there defined penalties for CAs if they produce an incorrect report?
Elaborate on the meaning of “true and fair view” in CA terminology

Candidates No. 4

What have you prepared for the interview? (AR, FSR, PV 2025, DPI, FII)
Tell us about the Financial Stability Report (FSR).
Could you share the major findings from the FSR report?
Explain Gross Net Performing Assets (corrected to Gross Non-Performing Assets).
Have you appeared for an interview last year?
Define Domestically Systemic Important Bank (D-SIB).
What is the contagion effect?
Provide an example of the contagion effect.
Which department of RBI attracts you the most?
How does RBI manage currency issuance?
Differentiate between soiled, mutilated, and torn notes.
Is a torn note exchangeable at a bank counter?
Explain the relationship between banks and non-bank entities and how they are interlinked.
How does the issue faced by an NBFC affect the banking sector?
Why is India still a cash-based economy despite digital payment systems?
What are the different types of IT risks banks face?
Mention more IT risks.
Have you heard about “Man in the Middle” attacks?
Have you pursued any courses, internships, distant learning, or specializations?\
Why haven’t you attempted bank exams like PO?
Have you heard about Urban Cooperative Banks (UCBs)?
Explain the differences between Scheduled Commercial Banks (SCBs) and UCBs.
Why should we hire you? Mention your traits that we should consider.
What other exams have you appeared for?

Candidate No 5

M1:

What is the first thing that comes to your mind when you hear RBI?
Explain the difference between black money and laundered money.
What are the laws in India catering to money laundering?
How does your work relate to how banks tackle money laundering in India?

M2:

Gharanas in Kathak dance (mentioned as your hobby).
Name a Kathak dancer from the Benaras Gharana who recently passed away.
Questions related to corporate case competitions you participated in during your MBA.
Do you play any musical instruments since you mentioned music as your hobby?

F1:

What is LEI (Legal Entity Identifier)?
A question about RBI’s focus on derivatives and related activities.
Explain Urban Cooperative Banks (UCBs) and the parameters considered for the PCA framework for UCBs.

F2:

What is the first thing that comes to your mind when you hear RBI?
Conventional and unconventional monetary policy measures were taken during the pandemic.
Why was the Monetary Policy Committee (MPC) formed?
Define shadow banking and its potential impact on financial stability.
Are NBFCs overrated in terms of crisis potential and their impact on financial stability?
Regulatory measures taken by RBI during the pandemic.
Which sectors performed well during the pandemic, and which ones were most affected?

These transcripts have been taken from publically available material. The candidates must make the most of these to do well in the exam.