[IBPS] Interview Preparation (Part 2 of 5) Why BankPO? Preparing the Sales Pitch: Career growth, job satisfaction, negative factors, work-profile, Promotion, hierarchy, Sample Answers

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  1. Prologue
  2. The Sales PitchTM
  3. Avoid Push Factors
    1. Reason#1: “My paper degree is useless, there is no growth in my field”
    2. Reason:#2: “I failed in UPSC / CAT / GATE so I want bankPO”
  4. Pull factors: Why BankPO?
    1. Career Growth in Banking sector
    2. Job satisfaction as a BankPO
    3. BankPO: hierarchy, Promotion and Salary Structure.
  5. Followup Questions After Sales Pitch
  6. Must not contradict the sales pitch
  7. Why *not* BankPO? Negative aspects of Banking job
  8. Appendix: Some “Why BankPO” Sample Answers
    1. IT guy leaving private job to become PO
    2. Engineer to Banker Case #1
    3. Engineer to Banker Case #2
    4. Engineer to Banker case #3
    5. Biotech to BankPO

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
  2. Why BankPO? Preparing the Sales Pitch: Career growth, job satisfaction, negative factors, work-profile, Promotion, hierarchy, Sample Answers (You’re here)
  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?

The Sales PitchTM

 “Why do you want to become BankPO or why do you want to join baking sector?”

You’ll face this question directly or indirectly during interview.

  • Bank Interviews are done mainly to find out whether you’re a reliable workhorse or not? So, If you cannot answer some random GK question=no problem,
  • but if you fumble in “Why bankPO” question= then it is deal a breaker #epicfail.
  • Therefore, you’ve to prepare answer diligently along with all the possible followup questions. I call it the sales pitch.
  • Through this sales pitch, you will convince the interviewer that you’re interested in **PERMANENT** career in banking sector.

Avoid Push Factors

The opening lines of your sales pitch, should not include following:

  1. I want bankPO because my paper degree is useless. There are no jobs or growth in my field. I’m not interested in teaching profession or doing Post graduation.
  2. I want bankPO because I failed in UPSC / CAT / GATE or whatever.
  3. My visa application to USA was rejected so, I’ve decide to find job in India.

Or any answer that hints you want BankPO because of “PUSH” factors that you’ve failed in other avenues. Even if these are genuine reasons, they should not be mentioned in the opening lines of your sales pitch.

but Why?

Reason#1: “My paper degree is useless, there is no growth in my field”

with this statement, you’re walking in a minefield, because:

  1. They’re not interested in your whining or personal problems- today every degree sucks, decent jobs are hard to get. Real money comes only after paper degree + 7 to 10 years of work experience.
  2. Can also lead to dead-end follow-up questions. for example:
    1. Interviewer will say “I know Mr.XYZ with same degree. He makes lakhs of rupees.” and You don’t want to counter his argument for the fear of annoying him.
    2. Interviewer may blame you for wasting your parent’s money on doing that xyz degree or being non-serious about career-planning. You again don’t want to counter his arguments for the fear of annoying him.
  3. Worst case scenario: he is own son / daughter is in the same graduation field. No father wants to hear bad things about that degree!

So, avoid this pathway. Never badmouth about your degree, college, university or previous employer.

What if push factor is asked?

You may face a direct question: “You’re an *xyz* graduate, why do you want to join banking sector?”

In such cases, the standard operating procedure is:

  1. Just briefly mention the lack of scope in your parent field +/- that PG is necessary but you don’t have time and money +/- that you’re not interested in it for xyz field for reasons other than money.
  2. Elaborate that your graduation knowledge is not wasted- has some relevance to Banking sector. If you can’t find any ‘reasonable’ connection between grad.field vs banking, then focus on your personal qualities related to hard work, team-player, time management, project done in college etc. and how they’ll fit in banking sector.
  3. Overall, Give more emphasis positive pull factors of banking sector. And how you will be a useful addition to their organization (=reliable workhorse).

Reason: “I failed in UPSC / CAT / GATE so I want bankPO”

With this answer, you walk into another minefield full of dead-end questions:

  1. Interviewer will say: “You failed in those exam because you’re not a hardworking person, you don’t have time management skills.”  OR
  2. You may blame external factors e.g.
    1. Hindi compulsory paper was too tough or scaling formula was unfavorable for my optional subject so I failed in UPSC. or
    2. IIM walla give profile weightage to class 10-12 score so I was rejected despite a good CAT score….

And Even if these are genuine reason, the interviewer won’t believe/pity you much, because he doesn’t have firsthand experience of giving those other competitive exams!

  • +makes him angry thinking that you treating banking sector as a ‘MNREGA’ and coming here only AFTER failing in other better jobs.
  • + makes him suspicious: “are you a reliable workhorse or not? Will you run away if posted in remote area?” (That is the most important fear for them!)

Therefore, unless he specifically brings up the issue like ‘gap’ in biodata after graduation passout year, you should avoid mentioning your past adventures/misadventures in other competitive exams. Remember, interview is holding a ‘mirror’- you show negative things, the reflection will also be negative.

Avoid Juvenile stuff:

  1. “I want bankPO because it is not an end but a means to achieve excellence (and other philosophical mumbo-jumbo that you’ve read in some toppers’ interview in some xyz magazine or some coachingwalla has taught you). This answer is just too clichéd for any interview. Avoid it like hell.
  2. “I want bankPO so I can earn more money than my current job. (avoid speaking about salary in formal interview, unless they specifically inquire.)
  3. I want bankPO because my cousin/friend is also BankPO.
    1. Panel is more interested in knowing what you can do for their bank, rather than what are your personal issues and petty needs of self-approval among family members.
    2. At most you can explain how you feel motivated to join banking sector because of your relative / cousin / xyz friend is also in banking sectorand he had told you about good working culture, career growth in banking sector etc.
    3. But just because “they’ve joined so I also want to join..” that type juvenile answer should be avoided.

Pull factors: Why BankPO?

Pull factors are the attractive things about Banking career. As long as your sales pitch revolves around pull factors, the follow-up question will move in positive direction.

Some of the pull factors of BankPO are as following (list not exhaustive)

Career Growth in Banking sector

  1. Salary, career growth is good. Ensures an upper middle class lifestyle after a few years of service.
  2. After 3 years of work-xp in Bank, you may try for CAT, do MBA from elite institute = fat salary package in private banks / NBFCs. You can specialize in finance, and become the fabled ‘investment banker’ in top foreign banks, who mint crores of rupees.
  3. Even If you are not in IIM/IIT/IAS, you can still work your way to the top position. for example
    1. Arun Tiwari: M.Sc in Chemistry. Joined Bank of Baroda as PO in ’79. right now CMD of Union bank of India.
    2. KR Kamath: did B.Com from Mysore, joined Corporation Bank as officer trainee ‘77. Today he is CMD of Punjab National Bank.
    3. Arundhati Bhattacharya: done BA in literature, joined SBI as PO back in ‘77. Today she is the Chairman of SBI.
    4. R.K. Dubey: MA in English, LLB, joined Punjab National Bank in ’77 as a management trainee (MT). Today he is CMD of Canara Bank.
  4. This is not possible in other places. For example,
    1. RBI Grade “B” officer: Can’t become the governor. That post reserved for IAS/exceptionally talented economists such as Raghuram Rajan.
    2. State services (Class I , Class II): the home Secretary, chief Secretary, DGP = reserved for IAS, IPS.
    3. Private sector banks: you’ll need a degree in finance/MBA from a highly reputed institute + long workXP + right contacts, if you want to become CEO/MD/Chairman.
    4. SSC-CGL : you join as an Income tax inspector, later promotion to group-A but you can never become Finance Secretary to government of India. That post is reserved for IAS.
    5. ACIO: you get promotion to Group A, but you can never become DG (Intelligence). Again reserved for IPS.
  5. In other government services, sometimes they ignore you for promotion if you’re too honest/don’t pay the ca$h to minister. Especially in state services. Banking sector doesn’t have that problem. And even if you’re overlooked for promotion, you always have the opportunity to join private sector bank/consultancy for a decent salary.
  6. Even if you can’t become MD/CMD, still in the top-management position you’ll get fat salary package and fringe benefits.
  7. Even after retirement, one can get very high paying jobs in private sector, insurance, finance, NBFC etc. in top positions.
  8. Privileges attached to PSU Bank officers: Housing, auto loans at much cheaper rates from the cooperative society/festival allowance/ furniture allowance/Newspaper allowance/ Maid allowance, even money to buy suitcase etc. (varies from bank to bank)

Job satisfaction as a BankPO

  1. As a banker, you help needy people get loans for starting business, pursuing higher education. =you’re helping them get on their feet.
  2. Loans for buying home, car, bike etc. you bring happiness to many families.
  3. You’re helping poor women save their money away from their drunkard husband and so on….
  4. Banks help the economic growth in small towns and large villages=> prevent migration to metropolitans and subsequent problems related to slums etc.
  5. Thus, a Banker is also doing an essential public service– just like doctor and policeman.
  6. So, Apart from good salary, there is job satisfaction, the feeling of having done something good for another fellow Indian.
  7. All that is necessary for the triumph of evil is that good men do nothing. e.g. subprime crisis in USA because banks were run by idiots. Indian banking sector is immune from such shocks because by and large the officials are diligent in their work.
  8. In way this is just like politics- if good men stop coming then idiots will get in charge and ruin everything. If all good folks stop joining police force then only crooked will don the uniform, criminals don’t fear police anymore and that’s why all the riots and gangrapes.
  9. Same way, if good folks don’t join public sector banks and since private banks not interested in serving rural areas= poor people will keep suffering at the hands of evil money lenders, no rural growth, severe problem related with urban migration and abject poverty.

Now you should prepare your own unique Sales Pitch based on above factors.

  1. How the career growth attracts you
  2. How you see the job satisfaction, desire to help, do good to society.
  3. + a few drops of your positive qualities that’ll make you a valuable addition to their gang. (link few things from graduation, if nothing then just personal qualities.)

BankPO: hierarchy, Promotion and Salary Structure.

Sometimes, to check whether candidate is ‘serious’ or not, the panel will ask him hierarchy / promotion related questions during interview. The table is given below (Corrections, updates welcome, post in comment.):

  1. *for salary, I’ve approximated values based on pay scales. The exact salary will be different when you count HRA city posting, other allowances, deduction to NPS etc. This table is only meant to give you rough idea on whether to try for Bank or some other career in private sector.
  2. **The promotion policy is different for each bank. This sample table is based on PNB. In some other banks they might use different intervals for minimum service years before promotion.
  3. If you clear JAIIB and CAIIB exams, you get better increments and promotion opportunities.
  4. If you serve in rural/hardship areas, you get additional marks while promotion shortlist is prepared. (How much weightage? that differs from bank to bank.)
Grade Scle (GS)Postcriteria**Entry?Appx.SalaryPer month*
Junior- Management(JMGS)IProbationary Officer (Assistant Manager)this is where you startcompetitive exam (IBPS)~29000
Mid-Mgmt (MMGS)IIDeputy Managerafter five years in JMGS11.seniority/time based (i.e. after completing __ years in service)2.Fast Track Channel (through limited competitive exam among officers)~39000
IIIManagerafter five years in MMG2
  1. seniority/time based
  2. Fast Track Channel
~51000
Senior  Management(SMGS)IVChief Managerafter 3 years in MMG3Merit-Performance~61000
VAssistant General Manager, AGM3 years in SMGC4 (and minimum 12 years of service)Merit-Performance~72000
TopExecutive(TEGS)VIDeputy General Manager, DGM3 years in SMGS5 (and minimum 15 years of service)Merit-Performance~84000
VIIGeneral Manager(GM). Addl.GM.3 years in TEGS5 (and minimum 18 years of service)Merit-Performance~94000
Executive Director (ED)Among the general Managers (GM)shortlisting & interview~28 lakh per year. (UCO bank, 2010 data)*
Chairman and Managing Director (CMD)Among the Executive directors (ED)shortlisting & interview~27 lakh per year in SBI (2010 data)

*UCO bank ED got more money than SBI CMD because it is performance linked.

Although emoluments/salaries of CMD in public sector banks are way lower than private sector banks. Observe following image:

Bank CMD CEO salaries

Followup Questions After Sales Pitch

As such, followup question after sales pitch= either grad. based question OR banking related question. (Will be given in separate articles.)

Some unique follow-up questions that may come after sales pitch:

  1. (If you’re near 30s age) you said a person can become CMD. but don’t you think you’re too old to reach final promotions?
  2. (If you’re just 21-22) don’t you think you’re too young to handle responsibilities? Why don’t you opt for PG/MBA?
  3. (If you’re Sci/Engg) don’t you think a commerce or finance graduate is more equipped to handle this job?
  4. (If you’re arts/commerce) don’t you think a person with technical background and IT awareness is more equipped to handle this job?

Must not contradict the sales pitch

Suppose in the first 3 minutes, you’ve given sales pitch. Then interview moves in different questions about graduation /banking / current etc.  This goes on for 10 minutes.

But in the last two minutes, one of the panel member may again ask the same question in a different tone: “I don’t think you’re cut out for a bank job. I think you’re more suitable in doing MBA/PG/ Private sector job.

At that point, out of panic, you must not contradict your first sales pitch.

For example, your initial sales pitch centered on “work-culture, job satisfaction and social status.”

but at this stage (when he again asks), you show your true colors and tell them how your paper degree sucks, you desperately want job security and your failures in other exams and so on..=you’re contradicting initial sales pitch= not a good idea sir-ji.

Why *not* BankPO? Negative aspects of Banking job

You may have heard (or read) bad things about BankPO job profile that:

  1. Posting in remote areas. Away from family. Loner who lives a house but not a home. Social isolation. Problem related to food, electricity, net connection and so on. Some offices don’t even have good toilets.
  2. Lazy boss, internal office-politics, unionism, clerk-cashier don’t cooperate.
  3. Heavy workload, high targets given, stressful job, long work hours, BankPO made to do everything from filling cash into ATM to typing application forms into computer like a data entry operator.
  4. Boss forces you to sell more loans. But if any customer defaults on loan payment, then all blame is put on your shoulder.
  5. NOC is not given easily for appearing in other government job exams and so on…

Long story cut short: until the interviews are over, ignore all the negative things about Bank job. Because, it’ll bring down your confidence level in the actual interview.

Now the long story:

BankPO = Good career. But it not a suitable career for everyone in every case.

  1. Retail banking is highly competitive business. Big cities are oversaturated with branches. So, banks are looking at smaller towns and villages in search of new customers => PO are given ‘high targets’ of opening new accounts, finding more customers for car/auto/education/business/personal loans and so on. (This issue mostly seen with bigger banks like SBI.)
  2. New recruits mostly get posting in small towns and rural areas. Metropolitan posting are mostly reserved for senior staff. That is both blessing and curse at the same time.
    1. Curse: you’re cut away from family. lack of urban amnesties.
    2. Blessing: Small town/rural area= cost of living low. So the more you can save at the beginning of your career, more it’ll help at later stage -when your to get kids married, or have to send them abroad for education, buy a big home/car etc. because savings-interests-investments get compounded over the time. [But then again you’ve to compare it in terms of how much money can you make in your grad. field within that time].

^while this seems like a punishment, but

  1. Service in ‘hardship’ area= additional marks given when they make promotion list.
  2. All that work-experience later translates into ‘fat-salary’ if and when jump to higher management posts in private banks, NBFC, Finance-investment-consultancy type companies at the later stage of your career.

But you must make a rational career decision based on the following parameters:

  1. Your age, financial situation and family support. (And do those factors allow you to run for other competitive exams / post-graduation?)
  2. Parallel Growth in your current field vs in Banking sector after 5-7-10 years’ service. and is your heart really into banking sector?
  3. Make your own research about career growth. For example, as such B.Pharm is a useless paper degree with 9-6 factory job, hardly any salary or career growth because of the mushrooming self-financed colleges and oversatured labour market. But in the same field, there are maestros minting truckload of cash through clinical trials/consultancy/sales/marketing/distribution work, and that too without any MBA degree.
  4. Point being, Every field has money somewhere. but every career is not suitable for everyone. so don’t blindly follow the crowd, make your own informed choices.

But, Like I said earlier, all these things have to be considered after the interview is over. Right now just pretend that BankPO is the most awesome job on earth and prepare passionately.

Appendix: Some “Why BankPO” answers?

I don’t know whether the following gentlemen got the final list or not. But posting here to serve as “Food for thought”. Courtesy: Mr.csl80 fro compiling them from pagalguy.com forum threads.

IT guy leaving private job to become PO

Panel: You seem to be working with a big brand that also in the HR Department. What was the reason why you left such a job?

Ans: Told him about my association with the company and the duration of recession which used to gave me sleepless night and every day tension if I am in the job or out of Job. So funda’s about social security, financial security, Stability, Greater Prospects, Great Working culture and so on the banks.

Panel: That’s seems okay but after 4+ years of working why do you want to switch over to another job?

Ans: Told him that everyone in my family have been a government employee till now and I to have a dream of becoming one among them.

Panel: But How will be the bank benefited by selecting you since you are not from Commerce or Finance background?

Me: I told him the benefits that bank have received after the introduction of Engg (IT) in its business. Also told him that the criteria of selection of a person should not only be based on his academic background but his passion, dedication and zeal to get in the work should be counted. Finally if I lack some knowledge I can be trained and can be developed in to a successful banker.

Engineer to Banker Case #1

Panel:  You have done Engg right?  Were you forced to do it?

Ans. No sir , actually I wrote ent exams and got a merit sit. Secondly I was good in science in my school days. Thirdly at that point of time I was no so mature enough to decide about the things so it was my father who decided about me doing Engg.

Panel: Why Banking now?

Ans: Well sir as I have already mentioned that I developed interest in banking from my childhood seeing my father, later on during my Engg I decided to try my luck into Banking sector after doing my MBA in Finance but came to a point(situation) where I had to decide between my study and my sister’s study. I sacrificed and went into job to support her studies and to repay the educational loan on my name.

Engineer to Banker Case #2

Panel: So why do you want to be a PO, when you’re Engg Background? If we select you than it may be great loss for Indian Telecom industry, what you can do for us, you can do it better there. This is financial deptt & a commerce background candidate can better adjust here!

Ans: Sir today Banking environment going to CBS (Core banking solutions), some programme are required to understand even at some stage implementation in that programme also required time to time, as far as I m from technical background, there is not much need to work on me to learn them, i may be useful for IT deptt too for coming yrs, I can serve dual purpose for bank, also Management requires work & progress whether a candidate be from medical from engg or any other background.

Engineer to Banker case #3

Panel:  Why banking after BE?

Ans: Sir, I had chosen EC Engg after 12th because of my strong interest in modern physics and designing electric circuits. And due to that passion got University medal for my major project. But jobs offered to us in our college were software coding work with no growth and creativity. After passing BE for almost 6 months searched a lot for core jobs but those were not matched to my expectations.

In between I also got knowledge of banking field which is fast growing, offering abundant jobs and have lot of creative works so turned my career towards banking.

Panel:  But what’s the use of your degree in banking?

Ans: being EC engg I’m technically very strong for day to day banking operations. After BE for last 1.5 years, we worked in group for implementation of project so I have known how to work in a group.

Biotech to BankPO

P1: Why do you want to join banking sector?

Me: Sir I’m 2010 B.Tech (Biotechnology) graduate. I am preparing for IAS examinations. Last year I gave my 1st attempt but couldn’t get through, hence started preparing for Bank exams.

P1: You have passed in 2010! then what were you doing till now? (Interview done in year 2012)

Me: Answered (ias preparation, 1st attempt and then banking.)

P1: How did you get interest in banking? Do you have any relatives in banking sector?

Me: No sir. Often I have d chance to go for banks(for transaction, DD, mainly for applying exams) at that time.. I got inspired.

P1: so, if you have visited INFOSYS, then you’ll get more inspiration, right?

Me: sir, Interest in some field only leads to motivation. Since, I have no interest in software, so I took Biotechnology branch.

P1: Then why don’t you go for biotech jobs?

Me: tried for core companies, but scope for B.Tech is very less. They are in need of M.Tech graduates alone.
For more on IBPS, visit Mrunal.org/IBPS

Mrunal recommends

  1. (free) NCERT, NIOS, TN-Books
  2. Environment by ShankarIAS
  3. Indian Polity M.Laxmikanth (Hindi | English)
  4. Art & Culture by Nitin Singhania (Hindi | English)
  5. Spectrum: Modern History (Hindi | English)
  6. Bipin Chandra: Post Independence
  7. Fast-track to Arithmetic Rajesh Verma
  8. MK Pandey’s Analytical Reasoning
  9. Disha’s Topicwise Paperset (Hindi | English)
  10. School Atlas
  11. Mains: Language papers
  1. (free) NCERT, NIOS, TN-Books 4 History,Geo,Sci
  2. Indian Polity M.Laxmikanth (Hindi | English)
  3. Spectrum: Modern History (Hindi | English)
  4. Maths: Quantam CAT Sarvesh Kumar
  5. Objective General English SP Bakshi
  6. Word Power made Easy -Norman Lowe
  7. Topic wise Solved Paperset by Disha


So far 171 Comments posted

  1. Amareshwar

    This is my interview experience in Hyderabad I was called for interview on 10th of January @ Andhra Bank IPL Training Center Nanakramguda Hyderabad. My interview was scheduled @ 1 so reached before time all the panel and the certificate verification people were busy having lunch so waited till 2. At 2 the verification started and they started calling out names one of the guy forgot the application form and hence was asked to get it before 4 even I forgot to take it so I went with him to an internet center but since the site didnt work he left and I told the interviewer that the application form does not work he told me that he cant help me but luckily some guy overheard and told me that if we reset the password in the ibps.in site it would work anyways got the printout felt sorry for the guy who left in this hurry i lost my phone otherwise would have called him up,So he verified my certificates thoroughly and asked whether I had lunch since the time was around 3 i told him no so the certificate verification guy offered his sandwich i rejected the offer he told me to have something and come back @ 4 so i had some samosas outside and reported @ 4 the interview panel consisted of four aged ppl who were aroune 55-65 yrs age I asked for a seat and they started asking me questions
    what is a bank??
    Answered
    what is CBS??
    I answered it
    he told good and said what use is CBS for a customer/layman??
    answered it
    He asked me what is a fire wall??
    answered it
    Who is the director of SBI
    Answered wrong told Anuradha Bhattacharya da guy who did not even speak nodded saying wrong so recollected and corrected my self saying Arundhati Bhattacharya da guy who did not talk smiled
    anyways he asked me some questions about family my current job
    overall the interview panel was very friendly and the interview went on well

    1. Prashasthi Bhat

      Sir, my sister cleared Kbps po exam held in sept 2014. Unfortunately she has lost her application form and she is not able to download it for the website. It would be a great help if you could guide me as to what to do next!

      1. Sani

        application form downloading link will be available to you in few days or near the days when you ll get call letter download option.

        So be relaxed and ask her to prepare for interview.

        Best Wishes

      2. Vikas Udhani

        Don’t worry!
        After few days of declaring results, IBPS will again enable the link to download the application form

      3. VINEET

        dont worry ,they activate the like before interviews….i had a talk with IBPS helpline guy 🙂

      4. unnagiri srinivasarao

        ibps board activated application related link right now so u have to download that application form from that link and all the best to your sister

  2. Rinu

    where can I get some info related to CBS?

    1. Anurag

      Rinu , CBS CORE Banking Solution.
      Where CORE stands for Centralised Online Realtime Exchange.
      In simple language ,we can say every transaction which is taking place online,is because of CBS.Because of it all banks are now connected together,so there is no time delay in money transfer.You deposit the cash in bank and before coming out of the bank,you receive sms of cash deposited on your mobile. You use ATM and get some cash out of it,and at that instant only you receive the msg for the same.You can transfer money in fraction of second.This is all CBS. Baanki google it,bahut kuch mil jayega. 🙂

  3. Gagan Naragund

    @ Avinash : Dude i think you should start your career being a writer the way you describe things is awesome
    All the best bro :)i really enjoyed it 🙂

  4. Himanshu mukhi

    Very Good Article Man…. Really Appreciate……..

  5. ANEESH PATEL

    sir/mam, sir maine B.E. KI HAI E.C. BRANCH SE ABHI AXIS BANK ME CPC COORDINATOR DEPT. ME JOB KR RHA HO LEKIN MAI CONFUSE HO KI KAHI MAI APNI FIELD CHOD KR GALAT TOH NHI KR RHA HO PTA NHI ISME AGE FUTURE HAI KI NAHI AP MUJHE BTAYE PLS REPLY FAST

  6. Mitanshi Rathore

    Sir,
    I had done b.tech in 2014 in electrical and electronics. But due to poor financial conditions i am not able to do m.tech. Moreover, my father neither allow me to work in private sector nor allow me to do coaching for gate…also i donot want to sit at home and prepare for gate as i am a girl and my father will not let me sit at home…shaddi karwa denge meri….
    so i donot knw what to do… right now i am preparing myself for bank jobs… Please tell me what to do? guide me a litle… one more thing i belong to a typical village joint family and my father hardly supports me…please help me and guide me.
    so i was palnning to work in a bank for sometime and colect some and then prepare for gate and then try my luck in psus.

    1. madhumita

      Dear,

      i cleared my ibps po…………….i would suggest you to go through the BANKERS ADDA website on daily basis throughly and you will definitely crack po

  7. Mitanshi Rathore

    Sir,
    I had done b.tech in 2014 in electrical and electronics. But due to poor financial conditions i am not able to do m.tech. Moreover, my father neither allow me to work in private sector nor allow me to do coaching for gate…also i donot want to sit at home and prepare for gate as i am a girl and my father will not let me sit at home…shaddi karwa denge meri….
    so i donot knw what to do… right now i am preparing myself for bank jobs… Please tell me what to do? guide me a litle… one more thing i belong to a typical village joint family and my father hardly supports me…please help me and guide me.
    so i was planning to work in a bank for sometime and collect some money and then prepare for gate and try my luck in psus.

    1. Don

      You should appear for GATE because GATE is not only the key for M. Tech. but also many PSUs use the score card for hiring. Besides you should simultaneously prepare for banks also because these days banks have mass vacancies and one can easily get in if her preparation is in the right way. But in the meantime you can take tuitions at home as well, so that you have money enough to but books for GATE preparation.
      But you should try to convince your family and explain that things are changing and a girl is no more restricted to house hold. And if you get a job you’ll always be able to find a better match ;P
      Wish you luck!

  8. vishal

    I am serving in indian airforce as airman for 10 years.my age is 28 years.i will be due for pension after 15 years of service.my salary is approx 44000 per month.Is it justified for me now to join bank po for my better future?

  9. Sachin

    Problematic Transfer:- Bank Officers receive transfers every 3 years or so and in their entire career spanning more than 30 years, they get not less than 10 transfers.

    Leave Provisions:- Restricted Holidays 8 in a year. No such provision is there

    Pension:- No such provision exists for bank pensioners

    Social Status:- Banks are unable to retrieve themselves from this self-imposed complication/punishment.

  10. VIVEK KUMAR MISHRA

    sir

    I need some help for SBI PO group discussion and interview as i dont know about the topics which are releated to financial sector

  11. suhas tambeshwar

    sir, i have cleared SBI PO 2014 , i want to know how should answer that being AN Engineer why banking????
    genuinely saying that i wanted any government job as soon a possible and with good salary , so i prefer banking

    but how i should explain to panel that it should look realistic , and showing my great interest in bank job….

  12. ajinkya

    Sir, my sbi po interview is on 9th oct. i got degree in 2010. since then i am preparing for upsc and state services. so there is a gap of 4 yrs. so in interview what should i supposed to tell about what i was doing these 4 yrs?? should i tell them about upsc?? will it affect my interview?? n one more thing i have appeared in each of bank’s exam after 2010 so should i tell that???pls help me out….thanx

  13. ajinkya

    Sir, my sbi po interview is on 9th oct. i got degree in 2010. since then i am preparing for upsc and state services. so there is a gap of 4 yrs. so in interview what should i supposed to tell about what i was doing these 4 yrs?? should i tell them about upsc?? will it affect my interview?? n one more thing i have appeared in each of bank’s exam after 2010 so should i tell that???pls help me out….thanx

    1. maurya

      Tell them banking was your 2nd option and gave some reasons(like career growth,social status,interests in finance).U can tell the about the earlier appearances(careful not to tell U gt selected but didnt joined because of UPSC preparation).It would b better if you can make them believe that U r nt planning to attempt UPSC exams in future. Expect some above std qstns and prepare well.

      1. ajinkya

        Thanx maurya!!!!

  14. SWETA

    anyone had appeared for sidbi interview earlier plz help…what kinda questions do dey ask??

  15. Rajesh

    Mrunal sir,tomorrow am having a interview(panel).i wanted to know about the right way in wishing the panel members.should it be done individually or greeting ‘Good morning sirs/Good morning madams ‘ collectively will suffice?Sir plz do reply

    1. NUPUR SOHANI

      Dear all,
      I have done MBA in mktg and fin , and graduation as BSC computer science , what is going to the area of question my MBA or BSC , and also I have total 4.5 years of experience in financial sector only . please suggest me .

  16. sharan kumar k a

    sir,iam working as clerk in indian overseas bank past 2 years. i enjoy banking. a good opportunity for energetic youths in banking sector. all my friends are welcome to banking sector

  17. harish

    What is the medium of group discussion???????? English or Hindi or both?????

  18. sujithkumar

    sir,I am studying M.Sc. chemistry.But I don’t interst on that subject,but my due to family problems I had to do it,but today we don’t hav such problems I wanted to join in banking sector& this is my dream sir.so, plz give me a convincible answer for the question”why r u coming frm msc to banking sector” if the interviewer asked.

  19. vipul kapoor

    i am b.tech ee branch . plss tell me if some one asks me why do you want to become po despite such good grades. what probable ans they expect.

  20. dheerendra

    hellooo i have 1 problem.. i am a stammer…. i qualified ssc cgl 2013, ibps po ,rrb po, rbi assistant exam.. now i m preparing 4 interview… what m i do??? is there a negative impression on panel bcza of my stammering???? plzzzzz guide me

  21. deepika

    i have done b.tech in biotech in yr 2013. this was my first attempt and i cleared ibps po,rrb po and clerk. bt nw dont know how to explain my self about opting the bank job rather than my branch as career.. plz give some ideas..

  22. subhransu

    Sir,
    I am shortlisted for ibps Po interview to be held in Jan 2015. But unfortunately i lost my application form 🙁
    What can i do sir ji ??? :'(

    1. Probably_PO

      Don’t worry fella!
      They will activate the link to download the application form again…
      U ATLEAST lost it, I dint take the print only… 😉

      Let’s see kab link activate karenge!
      They recently activated the link for RRB PO Candidates too so just relax….

      Cheers \m/

  23. chinmaya

    mrunal sir .i hv left a power company recently where i hv worked for 2 yrs as it was not performing well. i m from mechanical br. how should i answer question regarding …why u left..n why bank po after 2 yrs in power plant…

  24. Naman Agarwal

    Sir , i have cleared IBPS 4, can you help me in preparing for interview.

  25. hevant

    I have cleared IBPS IV for exma. I have every thing except my OBC certificate. They said only those certificate will be accepted which are issue before 11.08.2014. Please reply i i vil give them certificate issued after 11.08.2014 will they allow me to sit for the interview or not

    Kindly reply someone who know it as it seems all of my hard work has gone waste very upset.

  26. amit

    i have done msc with chemistry sir kindly tell me about how to ans why join bank after msc chemistry

  27. vikas singh

    sir i have graduate with physics then how to answer why bank with physics

    1. chinmayee samal

      sir iam a graduate with physics hons. I passed my graduation in 2011… now i am qualified for ibps po .. so what will be the expected questions for me .. pls suggest with ans..

  28. anindya

    Sir I passed my science post graduation in the year 2011 then started my phd..now after wasting 2.5 yrs of my life i end up trying for gvt jobs leaving my phd in the midway..plz suggest me my sales speech for interview…can I say “due to fellowship irregularities and lack of professional growth i left it”..plz suggest.thank you..

  29. Mahendra

    sir i have graduate with politics science then how to answer why bank with politics science

  30. sunil

    sir i have graduate with political Science then how to answer why bank with political Science. And what significant of political Science in Bank

  31. MANTOSH KUMAR

    sir. i have qualified in ibps po-iv plz help me how to give interview

  32. S.Ramakrishna

    hello sir…
    I’ve qualified for IBPS PO exam held in 2014 october. What is the problem means, ibps board give an instruction that those the qualifued candidates should bring obc (if category is OBC ) certificate. this certificate must be dated below 11/8/14. then only the candidates must allow for d interview otherwise not. i have obc certificate on 16/9/14 so it was not valid. then i went to my village M.R.O and asked plesase grant me the OBC certificate on the date june/july. He said it is impossible to give any M.R.O because the online system does not take the past date he said. so what can i do.? after one year of hardwork i got this opportunity is it is waste.? pleease give me reply sir

    1. S.Ramakrishna

      hello sir…
      If the interview pannel consists of more than one male/female how to wish them. Good morning sirs/good morning madams. Is it correct or not. please reply me…

  33. sangram

    in the form i have written my mothers name as “prativamanjari behura” where as my certificate holds the name “prativamanjari jena”..which is the title of my maternal grandfather’s…is it ok with an court affidavit…bcoz i have one…will they accept during verification???
    plz help me regarding this and any suggestions plz send me through mail…plz…plz…
    my mail id is “[email protected]

  34. vishal

    hello sir…….
    i have done mca and most of the questions asked from technical backgroung in ibps interview .sir please help me out what are the probable questions they may be asked and one more thing how to answer this typ of question why you want to joining banking sectorinstead of IT sector.
    plz sir reply me

  35. Pratik

    Sir I am b.pharm graduate 2012 batch. plss tell me if some one asks me why do you want to become po despite such good grades and what should i supposed to tell about what i was doing these 2 yrs?? what probable ans they expect???

  36. binita

    I have completed B-Tech in Electrical and Electronics Engg in the year 2009.Presently I have cleared ibps po-4.i am married.How to justify the question why banking in the upcoming interview?please reply

    1. Gautam

      Hi Binita,

      I am a Chemical Engineer by profession and have work experience of 6+ years in core Chemical Engineering field. I appeared before the board on 20th January 2015. As expected, questions were related to this topic only.

      Q1. Why Banking sector after Engineering sector?

      My reply to that was, it was my decision to do Engineering, which helped me think out of the box. Also, after doing Engineering, you do have a lot of options to go about as far as your career is concerned. Even though I am having a Chemical Engineering degree, I am quite good in computers as well.

      Banking and Engineering sector both are similar in certain ways, like, both Banking and Engineering are services sector i.e., both these sectors provide services to customers. The prime goal is customer satisfaction. If your customer is satisfied with your services, the revenue starts flowing in whether it is Banking or Engineering sector.

      Also since I am from Engineering background, I have a good communication skill which is really needed in Banking sector. Working with the workers/laymen in the field has helped me out in knowing their problem and solving it too.

      Last point I said was, both Banking and Engineering sector requires problem solver, and being an Engineer I am quite good at it.

      Now this looks too long, unless your board is cordial and listen to you carefully. Else, you can short it with your own points. In my case, they were good listener. And I guess they are OK with my answer.

      Hope this helps you and other who are from Engineering background and have work experience.
      All the best!

      1. Nishi

        Did you get thru??

  37. Dashrath

    sir, i have done b tech(ECE) in 2013.i have no any experience and qualified in ibps 3 but not select finally. now qualify for ibps 4 ….i have some questions plz tell me answer …
    1.why you want to join bank?
    2.why we select you?
    ………theses questions asked me in ibps 3 interview.

  38. divya

    mrunal sir…..i have cleared ipbs po 4 exam and preparing for interview now…iam from b.pharmacy background….pls tell me if panel members ask me why bankng after bpharm and y u choose banking is there any use of ur bpharm in banking

    pls tel me sir

  39. ananthu

    Thnx man… Nice article…

  40. denraj

    my question is i hve dne engineering in e&l branch in 2011 ..preparing for non tec exams since then ..der is a gap of 4 years .wht should be my best possible answer to convice thm as i hve clerd the ibps clerk xam

    1. Gautam

      Hi Denraj,

      I too had to face the same question as I had a gap of 1 year after 6+ years of work experience.

      My reply to this question was:

      I was working as a freelance engineer, that means, you can have work from your previous engineering organisation you were working with. I didn’t get regular salary, but it helped me in keeping me in touch with my engineering subject and work. After only completing the job as a freelance engineer, I got paid.

      Secondly, I said, along with one of my friend we came up with an online coaching centre and posted materials of whatever exams we gave, so that others can take help from it. Since we really did this, I had enough points to make them convinced.

      The moment I said this, they asked me about it and they were quite happy to listen to it and said very good. Now if you have’nt done anything like this, you can come up with some other reasons like tried to put up my own business of your E&I field/branch. But make sure you have enough materials or points to make them understand and make them convince.

      Hope this will help you and others having the same question, with some idea about how you answer.
      All the best!

  41. sonu

    thanks for the posts quite useful.

  42. yasha

    I have written my passing date of graduation and post graduation wrong in the application form. Will i be allowed to appear in the interview?? The gap is of few days and i have done my post graduation in 2011.

  43. dipa magdiwar

    why do you want to join a bank after doing post graduation in M.Sc zoology.what answer should i give

  44. jyoti

    i cleared clerk 4
    in my application my date of birth is incorrect it is 11/08/1989 but it is 24/08/1989
    what can i do pls reply

  45. Samrat

    Presently i am working as assistant professor in engg college.Can i explain my gap in terms of teaching.Would it gives negative effect?

  46. Srikanth

    Hi,

    I need some clarification on the selection procedure. Recently, i got selected for office assistant job in Karnataka vikas grameen bank and yet to receive appointment orde. I am currently working in one of the MNC company and have shared this information while applying for job and my supervisor is not in a position to issue me NOC. Does it impact the job? please advise

  47. Rakesh

    Sir,
    my ibps clerk IV interview is on next week..,but i don’t have ” application print”.& link for application print on ibps site not in working…..
    what will i do??

  48. rupai

    u should keep on writing …i must tell you after reading this all my doubts are crystal clear ..thanks a lot 🙂

  49. thoutam anil kumar

    thanks for the information it is very useful to me for interview
    thanx to the team

  50. Nidhu

    Sir,
    I passed out BTech in 2010 ,ECE dept and worked for TCS for 2 years.I left job in 2012 in aspiration to join civil services.Since that didn’t go as planned I applied for bank PO.I cleared SBI Asso PO written.I am preparing for the interview now and I am not sure if I should mention my work experience in TCS or not and the reason to leave this job.I am highly confused and I have no idea whom to ask.Please help.

    Regards
    Nidhu

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