[IBPS] Interview Preparation (Part 1 of 5) Stop Feeling Guilty and Tell me about yourself, Stupid cutoffs and Insecurities about Profile

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  1. Prologue
  2. Stop feeling guilty
    1. Guilt#1: Low score in IBPS Written
      1. Reason #1: reliable work horses
      2. Reason #2: Learning XP
      3. Reason #3: CAT
    2. Guilt#2: Insecurity about “Profile”
    3. Guilt#3: Personal issues
  3. Measures to become guilt free:
  4. How to handle Bank interview?
  5. Tell me something about yourself
  6. Food for thought: Why formal dress for interview?

Prologue

Total five articles on how to prepare for IBPS Bank Interviews

  1. Stop Feeling Guilty and Tell me about yourself, Stupid cutoffs and Insecurities about Profile (you’re here).
  2. Why BankPO? Preparing the Sales Pitch: Career growth, job satisfaction, negative factors, work-profile, Promotion, hierarchy, Sample Answers
  3. Banking, Economy, Current Affairs, HR and GK related questions for BankPO/MT
  4. Graduation related Questions: IT, B.E., B.Tech, Biotech, B.Com, BBA, Arts, sample questions from previous interviews
  5. Stress Interviews, When things don’t go as planned, B.Tech, Engineers and IT Why BankPO?

all those things come later, first thing is:

Stop feeling guilty

  • Many of you have the IBPS BankPO/MT interviews in a few days, but still suffering from guilt, insecurity and inferiority complex because of your written score, bio data, academic profile and other personal issues.
  • As long as you remain guilty- your answer tone and body language will defensive, pessimistic, submissive. The interviewer panel willnot get positive vibes to select you. Therefore, first step is to become guilt free. Let’s check the common reasons behind guilt:

Guilt#1: Low score in IBPS Written

Some random expert on internet predicted that your written score is not sufficient for final selection- citing some previous statistics about final cut offs. So now you’re just spending time inquiring on various blogs, forums, facebook communities “my score is xyz, will I get selected or not?”

I say every score is good score.  And you must fiercely prepare for the interview. http://cinziamazzamakeup.com/?x=comprare-viagra-25-mg-online-generico-a-Firenze  Why?

Reason #1: reliable work horses

If banks had to select candidate just by looking at their written score, they wouldn’t waste time interviewing people. They conduct interview to find mainly two things

  1. ye tikegaa ki nahi?” (Will this guy stay in our bank or not?).
  2. “thik kaam karegaa ki nahi” (will this guy work sincerely or not? )

In short, As long as they get good feeling about you being a reliable workhorse, you’ll get the job- at one place or another.

Reason #2: Learning XP

  • A formal interview with complete strangers gives you better picture of your own shyness, strength, weaknesses, than you’ll ever get by interacting with your friends, relatives and parents.
  • The interview experience will help you prepare yourself better for the next round of whatever exam you’re giving.  that-
    • “I should have prepared more from my graduation topics, I should have prepared more current affairs etc.,
    • I shouldnot have said abc thing in DEF question because it lead to xyz followup question where I fumbled…”and so on.
  • You cannot buy that type of mental conditioning and experience in any other mock interview conducted by anyone- because the real-life stress factor will be absent in such mock interviews.
  • So, Even if you fail in a real interview=> money spent on travel and lodging is not wasted. Because it is a great learning experience that will definitely help you in the next interview for whatever job you’re applying.

Reason#3: CAT

  • Many CAT aspirants give IBPS exam just for ‘fun’ or for career backup.
  • CAT-2013 result will come around 14th January 2014. Then IIMs and various other MBA institutes will start their GDPI round (group discussion / personal interview). Most probably from mid-feb onwards
  • IBPS allocations are to be made in March-April 2014.
  • Now comes the interesting part: Most of the tier-II MBA colleges will declare their final result before IIM final results. (That’s is a loot-technique, if a candidate has given interview in both non-IIM and IIM then he’ll pay the 10-20-50 rupee non-refundable deposit in non-IIM institute for just for “seat-insurance”, before IIM final result comes.)

Similarly, some candidates would have made calculation about which banks they will not get city posting. So they’ll even forfeit offers accordingly.

  • And there will be upward movement in the buffer list / waitlist.
  • How much movement? Well, I cannot predict but my point is: Not all candidates with good IBPS score will finally join the bank. Therefore, You follow link MUSTNOT lay down your weapons and accept defeat even without going for interviews- just because some gyani baba has predicted that final cutoff will be xyz.

Moving to the next guilt factor:

Guilt#2: Insecurity about “Profile”

You’re afraid because any of the following reasons:

  1. After graduation, you’ve spent past 1-2 years in competitive exams, without any success. So, your biodata has “empty” years and no job-experience. You’re afraid interviewer will ask tough question about it.
  2. You don’t post-graduation degree
  3. You’re from some less famous college / university
  4. You’ve poor academic scores in class 10-12- college or you’ve failed in some semesters etc.
  5. You met another IBPS candidate who has higher score than you PLUS
    1. he has done some special banking related course
    2. he has work-xp from private bank.
    3. he has a thick file with plenty of extracurricular certificates.

You must get rid of all these guilty feelings because:

  1. If banks wanted only university toppers and students with high CGPA, they’d have directly hired from campus instead of organizing exam through IBPS and wasting their own time.
  2. All they want is reliable workhorses who’ll not run away from non-city postings. As long as they get good feeling about you being a reliable workhorse, you’ll get the job- at one place or another.
  3. Time machine is not invented yet. You cannot go back in past and fix those issues. The only way is to move forward in life, is with whatever baggage you’re carrying but without feeling guilty.
  4. (worst case scenario) IF at all they ask you something about “why low score in class 10-12-college?” then, don’t make long stories and excuses. Just summarize what was wrong and then shift focus of your answer on how with age you’ve matured, understood the value of money, career, hardwork and you’re no longer the same lazy person from that is shown in the marksheet.

Guilt#3: Personal issues

You’re feeling loser just because your cousin, brother, sister, relative, neighbor’s kid, batch mate etc. have got high paying jobs. You think that “even if I get this PO job, I’ll be never as successful as they’re.”

You must come out of this loser mindset, because:

  1. 5-7 years from now, all the “career-glamour” will be over (like whatever IAS/IPS/bigger job or degree your cousins and batch mates have got.) By that time, new youngsters will take your place and all your relatives and neighbors will start comparing them and trash talking about them. So, instead of trying to please and impress others, you better pursue the career you’re interested in.
  2. 15-20 years from now, the only thing that will matter is: can you provide for a good education, home and life to your kids or not?
  3. On those criteria BankPO doesn’t suck. It has great potential, people with no IIT/IIM degrees have started career as PO/MT and made it all the way to MD/CMD positions. (More details under “Sales Pitch-Why BankPO” topic in next article click me.)

Finally, Some of you may also be feeling guilty about your looks, height, skin color whatever. Again stop feeling guilty about it. These interviews are conducted to find reliable workhorses for banking sector and not actors for Karan Johar’s next movie.

Measures to become guilt free:

first of all, Stop being in company of idiots, negative talkers, crybabies and pessimistic people. You’ve already met them in library, in coaching class, in online forums. They never study, they just keep chatting all the time:

  1. this time cut off has gone very high “ab kya hogaa”
  2. SSC has changed pattern for CGL exam “ab kya hogaa”
  3. this time UPSC papers were too tough “ab kya hogaa”

These type of dookhi-atmaa (sad souls) infect your brain with their negativity. So, avoid them like hell- even after this IBPS interview is over.

  1. Avoid taking phone-calls, whatsapp messages, facebook updates from college batchmates. They just want to talk for time pass and give you ‘gossip’ of how much salary package they’ve got, who joined which company, who got what promotion, who is dating whom etc.etc.
  2. Because their universe is confined to only those petty things. You’re destined to do something bigger and better. If you keep paying attention to their life and issues, then self-doubt and guilt-feeling will come automatically. Remember what the coach said to Milkha Singh the birds who’re meant to fly high in the sky, should not keep their hearts attached to small trees.”
  3. Exercise regularly. Lazy brain and lazy body always picks up negative thoughts. And by exercise, I mean only two things: running and pushups. After a few weeks, you’ll automatically start feeling good about yourself, every time you look in the mirror. And then self-confidence and positive vibes will come automatically.
  4. In your head, Keep telling yourself “I’m totally awesome.”

How to handle Bank interview?

A conventional IBPS Bank PO interview runs on following pattern

bank PO interview questions

  1. Tell me about yourself (introduction) + followup on personal qs.
  2. A few questions on graduation
  3. then “why Bank PO”
  4. Then a few questions from banking sector.
  5. If time permits, some more questions from economy, current and GK.

Since every panel has to handle hundreds of candidates over a span of few week, the Average interview time is ~10-15 minutes. That’s a double edged sword.

good because not good because
  1. Because they don’t ask lot of questions from diplomacy, International relations, current affairs etc. that are not related with banking and economy.
  2. Most of the interview centered on just the standard pattern listed above (introduction, grad, why PO, banking qs).
  3. You don’t have to prepare lot of data for individual topic. Because they’ll usually interrupt you after a minute or two and ask another question.
  • Such short interaction is no good way to measure an individual’s potential.
  • It doesn’t allow you to elaborate your views. They throw a new question within 2-3 minutes and break your chain of thought.
  • If you mess up in the first 3-4 questions related to graduation / banking then it might turn into a stress interview. (Especially for Engg/IT.)

Given this short duration interview, you must prepare certain answers in advance.

Tell me something about yourself

Very common question. The moment you enter room and sitdown, one of the member may ask

“Please introduce yourself. OR tell me something about yourself.”

Experts are divided on its ‘right’ answer:

VIEWPOINT #1 (CONSERVATIVE) VIEWPOINT #2 (LIBERAL)
answer should be only limited to these things

  1. name
  2. place
  3. Graduation. (if you’ve first class or above, then it should be specifically mentioned)
  4. Computer certificate. (If you’ve then specifically mentioned.)
  5. Work-ex if any.
Apart from those details (name place etc.),he should also mention “Why you want to join banking sector.”
Should not mention hobby, family members.Because those things are considered informal conversation. should also mention following:

  1. family members and their occupation
  2. Hobby, extracurricular activity, notable achievement.
  • You can try either way, or mixture of both BUT answer must be at the tip of your tongue.
  • If you don’t prepare this at home, you will fumble during interview and you might forget mentioning some important information.
  • You must also prepare all the routine ‘followup’ questions associated with “tell me about yourself” question. for example
tell me about yourself follow-up question that should be prepared in advance
Myself ____. Or My name is ____.
  1. What is the meaning of your name?
  2. Which famous personality shares the same name as yours. + A few basic biography related questions from that famous person.
I’m from ______.  orI belong to _____.Note: After speaking this, take a little pause so he may ask you a followup question. (Which will be safe than if he asks something from graduation!)
  1. What is famous about your city / town? tourism/culture/business.
  2. Which famous personalities (freedom fighter, politicians, sportsmen, and authors) are associated with your place?
  3. What is the nearest branch from your house? As a customer, how much will you rank ‘nearness’ for choosing a bank to open an account? (and all the other marketing type questions. Like how will you convince someone to open account if your branch is faraway…)
  4. Name of governor, HC chief justice of your state.
  5. what is the GDP of your state (both in % and absolute figure)
  6. Basic census details: education, sex ratio.
I’ve done ___ from ___ college of ___ university in the year___ with ___ class.Notes:

  1. If university is famous but college is not so famous then avoid mentioning college name. Just tell univ. name.
  2. If you’ve blank years after graduation, then avoid mentioning passout-year. (e.g. when you failed in 2-3 competitive exams.) Although he can still find it through biodata but don’t you attract his attention to that unnecessarily.
  3. If you have continuous work-xp right from college passing, then graduation year must be mentioned.
  4. If you’ve first class or above, then it must be mentioned.  If you’ve second class, then don’t mention.
  5. if you have done any course on computers, it must be mentioned.
  1. Who was the founder of your college / university?
  2. Name a few famous personalities associated with your college/univ.?
  3. What is/are special things about the city where you college was located?
  4. What do you think about ragging?  What should be done to prevent it?

(more about graduation based questions in separate article, click ME)

Work XP: For last ___ years, I’ve been working in ____ company as a _____.Note: Don’t immediately start explaining why you want to leave that job. Let the panel ask you a follow-up question.
  1. What does your company/office do? What is the turnover?
  2. Nature of your work, powers and responsibilities.
  3. Why do you want to leave it?
  4. Why do you want to work in bank, when you’re getting more salary in that other job?
Ex-Serviceman.I’m an Ex-serviceman, I served from __ to ___ in ____.
  1. How many commands/division/regional HQ in your service?
  2. Previous chief-Current chief-next chief.
  3. Who won Ashok Chakra this year?
  4. Name a few special loan/account facilities by the bank for military personnel.
(optional) Family: My father is ___.

Mom is ___. Brother/sister is working in ____.

  1. Do you live in a joint family? What are the problem / benefits of joint vs. nuclear family?
  2. If you’re posted in a faraway area, who will take care of your family?
  3. In which bank does your father have account? Does he use ATM or net banking? Have you ever tried to convenience him to use it?
  4. What is the full designation of your father’s job. Why did not you pick his career line?

In the next article, we’ll see the second question: “Why do you want to become a BankPO?” click me

by the way…

Why formal dress for interview?

Copying a few lines from NSA Shiv Shankar Menon’s speech to IFS officers:

A word about dress. Some younger colleagues have asked me why dress so formally and why they could not dress as they chose. The answer is that we normally dress to make the other person take us seriously and to be persuasive, not to express our personalities or look good or stylish, or for comfort.
Like it or not, people judge you by your appearance. How we dress depends on the culture we operate in and the statement we choose to make.

I have a theory about why diplomats, soldiers and bankers dress so conservatively, each in their own uniforms. Notice how the more an occupation deals with risk, the more uniform their dress is? A soldier risks his life, the banker risks your money, and the diplomat deals with the risks of war and peace.
It is in order to convey the assurance that they know what they are doing, to reassure society, the client or the interlocutor that these professions dress in what amounts to a uniform. And it seems to work.
(end of copy paste)

For more on IBPS, visit Mrunal.org/IBPS

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568 Comments on “[IBPS] Interview Preparation (Part 1 of 5) Stop Feeling Guilty and Tell me about yourself, Stupid cutoffs and Insecurities about Profile”

  1. Got 68 in Written (General) ,.Interview was Okey ..Any Chance for me ?

    1. always have a chance till u don’t loose hope

  2. sir my posts r nt getting posted??

  3. sir,i hav qualified IBPS clerk with 130 marks and mam npw preparing for interview..I have a little confusion..actually i passed out my b.sc in july 2012 but gave my improvements in march 2013 and my marks had increased..but i made a mistake i had written my passed out year 2012 and marks accordimg to the result declared in march..is that going to create problem in interview..

  4. sir,i hav qualified IBPS clerk with 130 marks and i am now preparing for interview..I have a little confusion..actually i passed out my b.sc in july 2012 but gave my improvements in march 2013 and my marks had increased..but i made a mistake i had written my passed out year 2012 and marks accordimg to the result declared in march2013..is that going to create problem in interview..please guide me..

  5. which is better in these two?
    ibps clerk or non interview post in ssc cgl….

  6. asked only 6 questions in interview.. gave answer of 4 .. can any one judge my interview experience? as in how much would i score???

    1. hi Vaibhav,
      Interview is not just about the number of questions you answer, its more about the way you answer.
      So your honesty and confidence will decide your fate.
      As far as number of questions are concerned, 4 out of 6 are not bad at all.
      All the best.

      1. hi neetu,
        thanx for replyin.. so kind of u.. :)

  7. it takes lots of guts out of me to share my interview exp and also very late but…
    so vivek patidar score 80 obc 4 jan panel 1 indore mp time 1 pm
    after doc verification..they called me..
    interview hindi main hua tha..so now onwards hindi……
    i entered …wish them
    4 panel members..suru main 3 the baad main 1 ke ne hoin kiya…
    mujhse questions ek ne hi puche..baki sare sirf mujhe dekh rahe the….
    M1- HAA KYA NAAM HAIN BETA

    ME- SIR VIVEK PATIDAR

    M1- FAMOUS PERSONS KE NAAM BATAO TUMHARE NAAM VALE

    ME- SIR VIVEK OBEROI…STOPS

    M1- AUR KOI NAHI

    ME- NO SIR

    M1- KYON TUM IMPORTANT NAHI HO…KHUD KO IMPORTANT NAHI MANOGE TO AAGE KAISE BADOGE.
    .
    ME- SORRY SIR PAR AABHI TAK KUCH EARN NAHI KIYA HAIN MAINE.

    M1- OK, KAHAN SE AAYE HO

    ME- SIR KHARGONE KE PASS GAON HAIN
    M1- ACHHA TO NIMADI BOL LETE HO

    ME- YES SIR

    M1- KUCH NIMDAI MAIN PUCHENGE TO BATA DENGE

    ME- YES SIR……I AM ON ALMOST DOUBLE ON CONFIDENCE

    M1-KHETI MEANS agriculture HAIN TUMHARE YAHAN

    ME- YES SIR
    M1- TO KHETI KE BAREIN MAI KUCH BHI PUCHENGE TO BATA PAOGE….

    ME- YES SIR
    M1- CHALO BATAO PYAJ KI KHETI KAISE HOTI HAIN

    ME- SIR..HAMARE YAHAN PYAJ KI KHETI NHAI HOTI…
    M1-ARE PEHLE HI SAWAL KA JAWAB NAHI DE RAHE HO TUM TO…ABHI TO BOLE KI SARA BATA DOGE KHETI KE BAREIN MAIN

    ME- SIR KHET MAIN TO GAYA HOON MAIN..PAR ITNA DEEP KA KNWOLEDGE NAHI HAIN MUJHE……
    M1-OK TO KYA KIYA HAIN GRADUATION ..
    .
    ME- SIR ENGG IN COMPUTER SCIENCE
    M1- OK TO BATAO CBS KYA HOTA HAIN.

    ME- TOLD EVERYTHING I KNOW…..HE SEEMS SATISFIED
    M1- OK ATM KI TECHNICAL DEF BATAO

    ME- IN MY OWN WORDS….ATM MAIN CARD INSERT KARTE HAIN..CARD MAIN MEMORY STRIP HOTI HAIN JISSE
    ATM SCAN KARTA HAIN..PHIR SERVER SE CONNCET KARKE DEKHTA HAIN KI ACCOUNT MAIN BALANCE HAIN KI NAHI
    AUR AGAR USKE BAAD JO BHI AAPKO KAM KARNA HO AAP KAR SAKTE HAIN ATM SE..

    M1-ACHHA TO AGAR MERA ACCOUNT ALLAHABAD BANK MAIN HAIN AUR MUJHE BOI SE PAISE NIKALNA HAIN TO
    NIKAL JAYENGE…..
    ME- YES SIR
    M1- KAISE,TECHNICALLY BATANA

    ME- SIR FINANCIAL SWITCH KE THROUGH SARE ATM INTERCONNECT HOTE HAIN….NPCI ISKO MANNAGE KARTI HAIN
    M1- VERY SURPRISED…NO NO BETA TUM GALAT BATA RAHE HO..NPCI TO CTS 2010 DEKHTI HAIN KABHI SUNA HAIN

    ME- YES SIR CHEQUE TRUNCATION SYSTEM
    M1- CHALO BATAO BATTERY AUR UPS MAIN KYA DIFF HOTA HAIN

    ME- SR UPS IS RECHARGEABLE AND BATTERY….AFTER SEEING HIS FACE …I AM STOPPED TELLING
    M1- ARE YAR TUMHARI ENNG KISI KAAM KI NAHI HAIN…….

    AFTER HEARING THIS I AM ALMOST BELOW 0 ON CONFIDENCE
    M1- CHALO BATAO TRANSACTION KAUN KARTA HAIN CBS MAIN

    ME- SIR BRANCH MAIN JAAKE AAPAN KHUD HI KARTE HAIN PAR KAHIN PAR JAAKAR BHI KAR SAKTE HAIN APNI HOME
    BRANCH KO CHOD KAR….
    M1- HAA TO TRANSACTION KAUN KARTA HAIN……
    ME- SIR AAPAN KHUD HI KARTE HAIN…THAN I TOLD KI SERVER KARTE HAIN

    M1- ARE YAR BETA SUCH MAIN TUMHRAI ENGG KISI KAAM KI NAHI HAIN
    M1- SECOND NATIONALIZATION KAB HUA THA BANK KA…..
    ME- 1980
    M1- OK KYA SCORE HAIN TUMHARA
    ME- 80
    M1-COACHING KI THI?
    ME- NAHI SIR GHAR PAR HI PADAI KI
    M1-OK TO TUMNE 2012 MAIN ENNG PURI KI….TABSE KYA KAR RAHE HO

    ME- SIR BANKING KI PREP
    M1- KITNI EXAM DI
    ME- SIR 7 USME S 4 CLEAR
    M1- KAUN KAUN SI
    ME- UIICL,RRB PO ,FEDERAL CLERK,IBPS PO
    M1- TO KAHIN HUA FINAK

    ME- NAHI SIR,UICCL MAIN DESCRIPTIVE MAIN REJECT HO GAYA THA
    RRB KI VACANCY ABHI NAHI AAYI MP KI
    FEDERAL KE INTERVIEW KA RESULT NAHI AAYA

    M1- HQ KAHAN HAIN FEDERAL KA
    ME- ALUVA KERAL
    M1- TO FED KI TO ZYADA BRANCHES HI NAHI HAIN YAHAN PAR
    ME- SIR UNHONE BOLA HAIN KI EXPAND KARENGE…..

    M1- RBI KE FUNCTIONS BATAO
    ME- BANKER’S BANK CURRENCY ISSUE
    M1- INTERRUPTED ME,,SARE NOTE RBI HI CHAPTI MEANS PRINT KARTI HAIN

    ME- NAHI SIR …TOTALLY CONFUSED AT THAT TIME…..1 RUPEES KA NOTE FINANCE MINISTRY AUR BAKI SARE RBI CHAPTI HAIN
    M1- ACHHA TO 1 RUPPES KA NOTE RBI KYON NAHI CHAPATI

    ME- SIR VO BASIC CURRENCY HAIN…
    M1- FEELING SURPRISE….ACHHA MAINE TO KABHI NAHI SUNA…KYA HOTI HAIN BASIC CURRENCY
    ME- SIR VO BASIC HOTI HAIN…BAKI SARE MULTIPLES HOTE HAIN…..

    M1-NOT SATISFIED….ACHHA BATAO MONEY MARKET KYA HOTA HAIN
    TELLING ABRUPTLY,,PATA HAIN NAHI PATA
    ME- VERY LOW ON CONFIDENCE.SIR NAHI PATA

    M1- ACHHA TO KAHIN PADA THA YE TERM
    ME- YES SIR
    M1- HIMSELF SAID..KAHAN KITABO MAIN

    ME- YES SIR
    M2- TELL ME SOME MAJOR SOFTWARE NAMES USED IN BANKING….
    ME- FINNACLE,,
    M2- ANYTHING ELSE
    ME- NO SIR

    M1- CHALO ..YE BATAO WHY SHOULD WE HIRE U
    ME- VERY VERY VERY LOW ON CONFIDENCE….AFTER THINKING 3-4 SECONDS….
    SIR LEARN KARNA CHAHTA HOON….THEN I SAY KI IT SECTOR MAIN JOB SECURITY NAHI HAIN..
    MERE PAPA KE SAATH MAIN JAB BACHPAN MAIN BANK MAIN JATA THA…TO VO KEHTE THE KI TU YAHAN LAG JAYEGA TO MUJHE LINE MAIN
    NAHI LAGNA PADTA…VERY CHILDISH ANSWER I SHOUL DAY BUT KYA KARTA KUCH SAMAJH NAHI AA RAHA THA

    M1- ACHHA TO HUM TUMKO SBI MAIN POSTING DETE HAIN TO..

    ME- NAHI SIR YE UNKI SOCH HAIN AUR IBPS SE TO SBI MAIN NAHI HOTA..
    M1- HANSTE HUE..THANK YOU
    ME- I said thank you..leave the room

    DON’T KNOW WHAT TO EXPECT ….PLEASE GIVE ME ANY SUGGESTIONS AND ALSO PLEASE RATE THIS INTERVIEW IN TERMS OF WORST BAD..AVERAGE(AS PER I THINK…)
    VIVEK ………

    1. According to me one of the nice interview experiences. Well done.
      All the best

      1. do u really think it is nice…

  8. m score is 88 sc odisha in clrk 3 ne chances of final selctn?

  9. Mine interview was ok.
    I am sharing few of the questions.
    There was a panel of 4 and 2 of them were asking questions.

    Interviewer : tell me about your graduation ?
    Me : I am B.Tech in computer science.
    In : you passes out in which year ?
    Me : 2011
    In : what are you doing now ?
    Me : i am in IT company as Software engineer
    In : some question about SDLC, testing, SRS, etc, .and then..Why you want to join bank, your job is better than bank, better package ?
    Me : want safe job….which should be permanent…IT companies are dependent on US/Europe market for work…blah blah
    In : OK, what do you know about CAG.
    Me : full form, Shashikant sharma, 2g report, coal scam report.
    In : How money came to Govt. for investment.
    Me : Govt. revenue, Tax, world bank loans, from RBI, disinvestment.
    In : How much money was collected from disinvestment in 2013?
    Me : Sorry, i don’t know.
    In : Fiscal deficit.
    Me : def.
    In : What if it increase.
    Me : Loans increased….may have to cut some projects…blah blah
    In : then….(Forcing me to talk more)
    Me : Money value affected….blah blah…Inflation
    In : Ok…any interest in politics….who is home minister ?..some more question like CM of west bengal?

    Thats it.

    1. Question seems interesting.. whats your score.

  10. hey i had not given certificates about extra curricular activities.Is that a problem?

    1. they dont need it. it was not mentioned anywhere .

      1. i asked them sir please take my certificates of extra curricular activities , they simly denied and said we dont require it and neither interested in that stuff..

      2. thank you kumar and nitin for the reply

  11. My interview was on 8th jan at the Bank of Baroda zonal house Lucknow. It was a very pleasant experience. I was the first one to be interviewed in Panel 3. There were four members in the panel, all of them were quite candidate-friendly in their attitude.
    They asked me to introduce myself but didn’t let me complete my introduction.
    Then they asked why did I choose Public Administration as my PG subject. Then they asked whether banks can do good in this slumping economic situation
    They asked if I have some relatives overseas. (don’t know why..:)
    Asked about my husband’s work and the scope of IT industry in UP (since my husband works in an IT company)
    they inquired whether it is my first attempt nd whether I took some coaching for it (yes for the first and no for the second)
    finally they asked me to leave..
    Over all it was a friendly and relaxed interaction..

  12. Until last time , ever candidate had to appear for multiple interviews for which the vacancies were released in different months .
    Can any experienced exam taker suggest how much time gap do they allow between joining date and date of declaration of result .
    to what extent it can be extended based on need.

  13. hello friends!
    my ibps po interview was on 11th january at BOI NOIDA 9TH PANEL TIME 1PM.
    INTERVIEW STARTED AT 2.15 PM

    they started by asking about myself
    then inflation, type of inflation and why it happens.
    then marchant banking.
    types of share
    lic chairman
    section under which there is tax benefit(80c)
    inflation indexed investment scheme
    saving bank interest rate
    credit rating agencies

  14. friends what do u think about final cut off ? my no- 63 obc. interview went well. any chance of selection.

  15. I’ve given my interview on 12th January..BOI Staff Training Centre
    Noida, Panel 6

    It wasn’t very good for me..
    Entered the room wished them..there were 4 members…M1,2,3,4
    M2: So Abhishek sit down.
    Me: Thank u sir
    M2: So u were on a holiday for the past two and a half year?
    Me: (In Shock)No Sir, I was preparing..
    M2: What preparation? Aap 2011 k pass out ho and mama khana banye aap khao (your mother cooks, you eat) It’s unpaid holiday or not?
    Me: Complete Silence!
    M2: Kitne ghante padhte ho (How many hours do you invest in studies)?
    Me: Sir, 3 to 4 hours..
    M2: Abhi pata chal jayega, puchhu kuchh (We will find out, Should I ask something then)?
    Me: (Frightened) Yes Sir!
    M2: What is NRO Account? What is the difference between NRO, X, and Y (I don’t remember)?
    Me: No idea Sirji
    M2: Pointing towards M1,Sir you can ask
    M1: What is DRT?
    Me: I don’t know sir
    Both were looking at me like I am responsible for Dhoom 3!
    Now comes the turn for M3 and M4..M3 was in his 40s..young actually compared to M1 and M2
    M3: you r from engineering background..what is half duplex and Full duplex?
    Me: (Feeling relieved)Explained it..
    M3: Examples?
    Me: A walkie-talkie and a mobile phone
    M3: and wireless?
    Me: Answered
    M3: What is a router and a switch?
    Me: Tried to explain it in English and fumbled then in Hindi without fumbling
    M3: What is an IP adress? Is it a logical or physical adress?
    Me: Answered
    Now M4
    M4: What is Sensex?
    Me: Answered
    M4: How many stock exchanges in India? Their indexes?
    Me: Answered
    Again M2 interrupted and asked about Reverse Repo rate
    Me: Told them what is Reverse Repo Rate..

    And then M2 told me to leave, the interview was over…but not as I hoped it would be…but anyways How was my performance in the interview? If it was a stress interview?

    1. Thanks Abhi for sharing. You couldn’t answer two qs (NRO, DRT) but You picked the momentum after duplex. So it was a good performance. Baaki toh Bhagwaan maalik hai. best wishes.

      1. Thanks Mrunal Sir! Sabka Maalik Ek!

  16. Interview date: 09 Jan 2014
    Place: BOB Zonal office, Jaipur
    [M1–M2–M3–M4]

    Staff were supportive and verification was smooth.[perks of being a gen candidate]
    My Turn came around 5’o clock.
    Entered the room and greeted. Panel comprised of 4 male members and one was definitely a retired Army Personnel[his demeanour etiquette gave it away].
    M2- where do you come from?
    then some profile based questions were asked.Answered them accordingly.
    M4: what is the significance of SASARAM?
    me: I said sher shah suri’s tomb and he was the one who brought proper coinage system in india along with GT road.
    M4: what else?
    me: I don’t remember anything else(felt weird )
    M4: Babu Jagjivan Ram
    M2: Abhi tak Kya Kar rahe the?
    me: preparing [I am 2012 pass out]
    M2-Structure of Banking in India?
    me- answered but forgot to name R.B.I as Regulator.[cursed myself]
    M3-need for RRB?
    me: I articulated my point.
    M2: What is NABARD?
    me: Its a Refinancing institution.[to this every panel member gave a somewhat approving nod, as if they heard it for the first time…btw thanks Mrunal]. Then went ahead with basic details.
    M3: How is it a refinancing institution?
    me: answered with an example.
    M4: He brought into my notice that initially when I started I sounded a bit Low on Self confidence. He actually cheered me up….and yes he was that army personnel..
    M2: third party products?
    me : answered
    M3: why it is needed?
    me: answered
    M2: What do you understand by Class and Mass vis-a-vi Banking?
    me: answered.
    M2 to M1- Kuch puchna hai aapko
    M1: nahi [ he was just watching all this time]
    then they said its all right. I thanked them and when I was about to open the door they inquired about my score.Interview duration was less than 8 minutes. I am B.Tech In C.S.E but no question were asked in this regard and no questions Like why Banking after B.Tech..
    P.S: Mrunal’s notes on Banking were superb. Thank you!
    I wish everyone success in their endeavour.

  17. Hii.. I am sharing my interview experience.
    Interview place- United Bank of India Head office, kolkata, date-9th january,2014 morning
    4 interviewers were there in the panel. I have interview fobia. so i was trying to cheer up myself by chit-chatting with other candidates outside the interview room. I was 3rd in the queue. when the 2nd candidate came out from the interview room she said it was cool. then i entered the room. they greeted me and vice-versa and they told me to be relaxed. then they asked me to introduce myself. then asked me what i have done after completing my degree in 2012. I did a job. then they asked why i left my job? then they saw my results and score of ibps and told “you have very good marks”.. then one of them ask some banking related questions like “what is balance sheet?”,” what types of accounts are there?”, “who is the regulatory authority of banks and its function?” etc.. then they asked me about my family. I gave bank of india as my first choice. so they asked me why i have given this choice and not UBI as BOI is a mumbai based bank whereas UBI is a kolkata based bank. whether i am ready to go any place like shilong, guahati etc. :P then they wished me “all the best”… that’s all..

    1. Thanks for sharing your i/v exp.Can u tell me yr marks.

  18. Date: 05 Jan 2014
    Venue: Bank of Maharashtra,
    Staff Training College,
    Pune.

    Panel: 2
    C- candidate, P1-panalist 1,P2-panalist 2, P3-panalist3, P4-Panalist 4
    There were four members in panel. Three of them were asking questions and one of them was only observing. Let’s have look on actual interview experience.

    C: Good morning to all of you.
    P3: Have a sit.
    C: Thank you sit! (looking towards him)
    P1: Where are you From?
    C: Parbhani. (Which was also mentioned on form)
    P1: What you have prepared for interview?
    C: Sir, I have prepared basic banking concepts, current issues and given a emphasis on communication skills.
    P1: Which banking concepts have you read?
    C: (Looking towards all) I read about RBI, functions of RBI, Banking Regulation Act 1949, functions of banks, types of banks.
    P1: What are the functions of banks?
    C: Sir, accepting deposits, granting loans these are basic functions and nowadays banks focus on reducing NPA also.
    P2: What is NPA?
    C: Sir, NPA is principal amount which is an overdue for more than 90 days.
    P2: What are types of NPA?
    C: Types of NPA are-
    Substandard assets,
    Doubtful assets,
    Lost assets.
    P3: Will you elaborate it?
    C: Sir, Substandard assets are those which are not exceeding till or equal to 18 months, doubtful assets are exceeding for more than 18 months and lost assets are not payable at all.
    P3: Good!
    C: Thank you sir (Looking towards him.)
    P2: What is manager’s role?
    C: Sir, manager is all about managing the branch like administration works,coordinating employees and increasing the deposits.
    P1: From how many days you are in Pune?
    C: Sir, I am in Pune since 1 year.
    P1: What are you doing in pune?
    C: I am preparing for bank exams.
    P2: Why Bank exams only?
    C: Sir, Mr. Arun Tiwari, K R Kanath, Arundhathi Bhattacharya were recruited as PO of various banks and now these people are CMD of various banks. So this sector gives better chances for this level of growth. ( All of them smiled.)
    P3: Do you think you can reach up to this level?
    C: As long as I will be beneficial for organization and hardworking and honest at work there are optimum chances of reaching to that level.
    P3: Which bank exams you have given?
    C: I have given IBPS-RRB, IBPS-PO/MT, IBPS-clerical.
    P1: I think you have qualified all of them.
    C: Yes sir.
    P1: Good! , what is RRB?
    C: Sir, RRB is bank which is related to banking of rural underprivileged people and also related to agriculture and agriculture aligned sectors.
    P3: Ok, now talk about banks for 2 to 3 minutes in English.
    C: Talked.
    P1: Best of luck. You are done.
    C: Thank you! Have a nice day.

      1. Sir, I am BE in Information technology 2012 pass out from pune university and thanks i read about types of NPA only after your question list and had very good help from Money bank and finance book for banking concept which you mentioned in study plan of IBPS PO.

        1. thanks for sharing ur interview..i am hoping u wil make in final list. hey can u share me the link for MONEY BANK AND FINANCE BOOK for banking concept that ur talking about.

          thanks in advance

          1. hey agyani i had hard copy of this book. publication is BSC.

    1. All da bhery best saiesh :)

  19. sir,
    i gave my clerk exam from karnataka and got 109 marks. but sir i dont know kannada. will it create any problem during interview. plz reply sir.

    1. NO ..its a national level exam…not a state level

      1. thanks kumar but every state has own cut off…..

    2. dear Rahul,
      they do require proficiency in local language for the state u have applied, please go through the advertisement carefully. for ur convenience i am copy pasting that column that states the eligibility,

      III. Educational Qualifications:
      Degree (Graduation) in any discipline from a recognized University or any equivalent qualification
      recognized as such by the Central Government.
      Computer Literacy: Operating and working knowledge in computer systems is mandatory i.e.
      candidates should have Certificate/Diploma/Degree in computer operations/Language/ should have
      studied Computer / Information Technology as one of the subjects in the High School/College/Institute.
      Proficiency in the Official Language of the State/UT (candidates should know how to read/
      write and speak the Official Language of the State/UT) for which vacancies a candidate wishes
      to apply is preferable. (Some questions may be put at the time of interview to ascertain the
      candidate’s familiarity with the Official Language of the State/UT)

      1. yes nitin….now i have only one option . going to take admission in kanadda speaking institue. hope able to speak something in 24 days. and tell them that i started learning and able to read and write till april. hope every thing will be ok. thanks for your reply nitin

  20. Any idea about the cut off for ibps po3 general category and when will the results are going to be announced

    1. may be in between 42-43. result will come at the end of jan.

  21. Hi,
    I have cleared the Clerk written exam and interview will be conducted sometime in February.
    I am a B.Tech from Computer Science and I am confused to what type of questions will be asked from my graduation level.
    And thanks to Mrunal sir for such great efforts to motivate.
    Thanks

      1. yes kumar you are right:)

        1. my opininon is this is the upper limit..it cant go above

          1. since this year cutoff marks in written exam is low so, i am expecting overall marks will also remain low. it should be 40 for general…..lets see what will happen. but i am sure it will also surprise us.

    1. this site is fraud they write what they want without foundation

      1. @satya den what acc. To u shud be the cutoff for general,any ideas?

        1. aanchal equal to or more than 40 is damn safe score no need to worry many candidate have been sent back who have incomplete document and many will be rejected in interview with high score like me( 91) so I think 40 is safe score

          1. Its better to wait till the marks for interview are declared ..as interview plays an important role. a high written score is no guarantee..it depends on the interviewer whether he/she was convinced that the candidate would stay.

          2. @satya why u will be rejected ,any probs

          3. one problem aanchal my interview was not good

          4. @satya don’ t worry buddy u will b selected

  22. today interview at Bank of Maharashtra , fort mumbai. Panel 2

    May i come in .
    They gave me permission and asked me to take my seat.

    M1- So u r Rahul Kumar
    I said yes, sir i am Rahul Kumar.

    tell about Your family.
    answered properly.

    what is your Job Profile.
    answered properly.

    Can RBI issue as much currency as it wants.
    I gave them the Answer citing Minimum Reserve System followed by RBI.

    What will happen to Foreign Exchange revenue, when a deal is struck withIran on oil policy.
    i explained them about it , how INR will be used for it, routed through UCO bank, kolkattta and at last said this arrangement will increase Foreign Exchange Reserve

    can u expain in simple word what is appreciation and depreciation of rupee.

    i said that if ,more amount is given fora unit for a foreign currency then Rupee depreciates.
    and also said that exchange rate is defined either by Central bank or forces of mareket supply and demand. in India exchange rate is determined by market forces.

    he asked the import duty has increased for gold how will it effect,
    I said that rupee has appreciated because of this import policy. here i by mistake said the import duty is 15% whereas it is actually 10%

    What is ur salary and promotion Policy.
    i replied.

    they saw each other and asked whether they have aNY qUESTION. tHEY DIDNT HAVE ANY qUESTION MORE TO aSK. THEY SAID THANK U

    I SAID THANK YOU. and while getting out of the cabin i Heard on of them saying ” He is good”

    Mrunal how was my interview? hope this time u answer me.

  23. can any one guess what is a SAFE SCORE in ibps po written exam.
    is it(80-85)or (85-90) or (90-95) or (95-100) or 100+

    kindly share your views…

  24. i have given the ibps po interview and 3 more of rrb are lined up in the coming days. was thinking about gmat too…. since most of the portions overlap…ibps po verus gmat…which is the harder nut to crack??? kind of like alien versus predator….haha.let me know your opinions folks.

  25. boi panel 9 12 JAN questions
    name
    age
    college
    why idle since 2010
    u r a b.tech wow….
    ok banking correspondent-answrd
    rrb answered
    fin.inclusion answerd
    psl answered
    why psb’s give 4 percent intrst and pvt banks give 7-8pcnt……i got confused but answered bt they r nt satisfied with that answer
    ok..rbi governer…isse pehle kya the….answer…..isse bhi pehle kya the…..answerd…..age kya hai…..kaha ke hai…
    BAAP RE
    ULTRA SMALL BRANCHES,BSBD A/C ANSWERED OMG BUT FIR BHI WO LOG AAPAS ME WHISPERING KAR RAHE THE AND MUJE IGNORE KAR RAHE THE…………

  26. mrunal plz share your views regarding final result of po.

    1. Yes mrunal sir plz share ur views regarding ibps po3 final result,it’s a request plz

  27. Friends,please please please respond.

    I am from AP.I belong to General category.I got 132 in CWE-RRB PO II.I thought 132 was very good score. But my name did not figure in interview shot-lists of two major RRBs of AP(APGVB,APGB). They did not mention the cut-off mark along with the short-list.So I am totally confused.Is 132 not good score?

    I request friends from AP who got short listed for interviews to share their marks.

    I request friends from other states to share their experience regarding RRB PO interview short-lists of their respective state RRBs.

    Friends,please respond.

    1. Do not worry.. I scored 131 in IBPS RRB exam and am a general candidate from uttar-pradesh. I have also not been short-listed in three major bank interview..hope we will soon be called for it..:)

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