SBI CBO Interview Experience 2025

The SBI CBO (Circle Based Officer) Interview 2025 is being conducted from 1st to 11th November 2025 across various centres in India. The interview process is designed to assess not only a candidate’s technical and banking knowledge but also their awareness of the economy, government initiatives, and current affairs. This year’s interviews have reflected SBI’s focus on practical understanding, situational judgment, and alignment with the bank’s customer-first and innovation-driven culture.

SBI CBO Interview 2025

Candidates shortlisted after the SBI CBO online examination are appearing for the personal interview, which typically lasts around 25 to 30 minutes. The panel usually comprises senior SBI officials, who evaluate the candidates’ banking experience, knowledge of policy frameworks, and overall suitability for the officer role. The interview atmosphere has been professional yet conversational, encouraging candidates to express their views clearly and confidently.

Also Read, SBI CBO Interview Call Letter 2025

Key Questions Asked in SBI CBO Interview 2025

The questions this year have been a balanced mix of banking concepts, government schemes, economic trends, and personal situational queries. Some of the major topics covered in the interviews include:

MSME Sector:

• What are MSMEs, and how do they contribute to the Indian economy?
• What are the major hurdles faced by MSMEs in the current scenario?
• What measures can banks and the government take to improve MSME access to finance?

Supply Chain Finance:

• Explain the concept of supply chain finance and its relevance to MSMEs.
• How can banks strengthen their role in supply chain financing?

Priority Sector Lending (PSL):

• What is PSL, and why is it important for the Indian banking system?
• Under PSL, how is housing loan classification determined?

Digital Banking and Product Awareness:

• What are the recent innovations in SBI’s digital banking segment?
• How do SBI’s digital products help in financial inclusion and customer satisfaction?

Interest Rate Concepts:

• Why are personal loan interest rates higher compared to housing loan rates?
• How does risk assessment influence lending rates?

Current Affairs and General Awareness Questions

The panel also included questions from recent events to assess candidates’ general awareness and ability to connect economic and social developments with banking. Some examples include:

• Questions on Asia Cup Hockey and Commonwealth Games 2030, testing awareness of sports and national achievements.
• Queries related to India’s economic growth, inflation trends, and RBI’s monetary policies.

Situational and Personality-Based Questions

Apart from knowledge-based questions, the panel also explored career motivation and decision-making through situational queries such as:

• “Why haven’t you been promoted in your current role yet?”
• “If joining SBI results in monetary losses, would you still prefer this position?”

These questions are designed to evaluate a candidate’s commitment, long-term perspective, and genuine interest in working with the State Bank of India.

SBI CBO Interview 2025 Duration and Atmosphere

Most candidates reported that the interview lasted between 15 to 30 minutes, with the panel maintaining a cordial yet probing tone. The questions were practical and aimed at understanding the candidate’s clarity of thought, problem-solving approach, and knowledge of real-world banking operations. A calm and composed demeanor, along with clear communication, proved to be the key to performing well.

Takeaways from SBI CBO Interview Experience 2025

The interview gives more weight to conceptual clarity, real-world banking exposure, and balanced reasoning.

• Candidates must revise core banking topics like MSME lending, PSL norms, and supply chain finance thoroughly.
• Awareness of SBI’s digital initiatives and current economic trends can give a strong edge.
• Confidence, professionalism, and situational judgment are crucial to leave a positive impression.