[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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Mrunal Patel is providing free updates to the Economy current affairs, budget & Economic survey for the upcoming UPSC Prelims and Mains under this Win21 Series. In Pillar4C, he'll cover new developments related to GDP, Inflation, Unemployment including latest budget and economic survey!
  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


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) Post criteria** Entry? Appx.SalaryPer month*
Junior- Management(JMGS) I Probationary Officer (Assistant Manager) this is where you start competitive exam (IBPS) ~29000
Mid-Mgmt (MMGS) II Deputy Manager after five years in JMGS1 1.seniority/time based (i.e. after completing __ years in service)2.Fast Track Channel (through limited competitive exam among officers) ~39000
III Manager after five years in MMG2
  1. seniority/time based
  2. Fast Track Channel
Senior  Management(SMGS) IV Chief Manager after 3 years in MMG3 Merit-Performance ~61000
V Assistant General Manager, AGM 3 years in SMGC4 (and minimum 12 years of service) Merit-Performance ~72000
TopExecutive(TEGS) VI Deputy General Manager, DGM 3 years in SMGS5 (and minimum 15 years of service) Merit-Performance ~84000
VII General 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

178 Comments on “[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”

  1. 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.

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

  3. 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

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

  5. 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

  6. 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??

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

  8. 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.


  9. Sir,
    I am doing BTECH from EN branch.I wants to do job in banks but i am confused about the question that-
    why i want to join bank sector?

  10. Sir,
    I have my sbi associate clerk interview next week. I don’t have the application form with me. I forgot to take the print. my interview is on 11th may. what should I do now? will there be any link activated to download the form before interview?

    1. Hi Prachi,

      Have you given your interview in SBI Asso. clerk?
      How was your interview?
      I have my interview on 21st May in Amritsar.

  11. sir, i want to do Carrier in IBPS , Bt Sir, i have a little problem , i was learnt in Marathi Medium School so that My English speaking Is weak, so can i Appear this Bank Exam.

  12. Sir, i have SBI PO interview on 12th Sept. I forgot to download the application while i applied. What to do now? the application link will open once again?

  13. Hi,
    My cousin is doing last year of commerce, she is interested in banking sector, and we like to know which course she should join now so as soon she get degree, she can look for job next year onwards.

    Can you please guide us ?


  14. is sbi is the one of the best jobs in the world ?? where did the first posting offer to the candidate ??? did there transfer occur in every five year ??

  15. SBI PO 2015 GD and Interview Experience

    Place – New Delhi

    Time – 8:00 am

    Before starting the experience of GD and interview here, I want to say something to everyone here that we should never criticise our past, our work, present and it is not
    the situations or conditions which make it happen, it is you which can make it happen, its your work, your deeds and your hard work that will make it happen.

    One more thing, there are great scholars, great Achievers, Big names in this World at every corner of it in every field who have faced difficulties, seen extreme situations,
    and there has been a one or another disaster in their life but they have learned from the failures and leared from their mistakes, have achieved success and there on greater heights.

    One big mistake and disaster something like that happened with me too in this interview, which I am not able to believe till now and not able to digest the same.
    Ya but soon, Il be able to overcome it and make myself better each day by working on myself and working on my faults, mistakes :)

    Ok lets start it with a smile :)

    Document Verification started at around 8.30 and it waqs completed by 9.30 everything smoothly.
    And it was really different exprience being there in the SBI LHO.

    Every member were so friendly and generous.
    As usual, i was not having the pass certificate of 12th, but that was not a problem as marksheet was there and they allowed me.

    Sir doing the Document verification of mine asked me why you left such a big company and all, he was talking to me happiy and i also answered him in a decsent manner, explained him about my interests and all.

    Hats off to SBI for distributing the n number of Bisleri water bottles and n number of differnet newspapers like financial express, HT, TOI, etc.
    I felt good to see all that stuff.

    Panel members came at around 9.45 am and before that our switched mobile phones were taken out.

    There were 5 memebers in the Panel 4 Males and 1 Female member.

    All were very much senior officials except one male who was looking very much ypung in front of them.

    So Topic of GD was – “Diversity in India – Is it an asset or a liability ? ”

    This topic was seriously unexpected but was a generic topic to speak much and more about it.

    2 minutes given to All 14 candidates for speaking individually and then 10 minutes open discussion.

    GD went good and there were some of the other very much good , important points from everyone there.

    After the GD got over, Interview started after 5 minutes and first 3 candidates were called for the interview,

    Meanwhile, our breakfast, lavish snacks (just kidding, ya but it was good) started and we were called for that, and after pet puja were feeling good and energetic for the interview.

    My turn was 4 and I was too called for the interview after 15-20 minutes.

    We sat on a comfortable sofa before entering to the interview room.
    I interacted with the previous batch PO’s there sitting out and managing the work. They were generous.

    So, it was the turn now.


    I entered the room and said Good Morning to everyone as they already interacted with all of us during GD, so no exposure to new member again.

    they offered a seat.

    It was really different arrangement as compared to BOB and IDBI, square shape arrangement with Head of the panel exaclty in front opposite to me, two on the right side and two on the left side of me.

    Anyways, lets start it.

    M1 – He was reading my bio data form and saying something about my name place and languages. I could hear that whispering.

    M1 – So, you have been working for these much years and now why left the job without anything in hand?

    Me – Answered. all that for my interest.

    M1 – CEO of wipro? (Here comes the disasterous thing which happend with me that day and I am not able to analyze that till now but soon will.)

    Me – I told, but he is the chairman and i said sorry he is the chairman and i was not able to tell the CEO name which i also knew that very well as i have worked with my past company which was a negative part happend in fron of them.

    M1 – ABout my college and placement there?

    Me – I told that it is the number one college in that state and 100% placement.

    M1 – Modi visited last week to chandigarh, what were the conteroversies ?

    Me – Answered but coould not remember the second controversy as he asked again about the other controversy.

    M1 – as u have done telcom engg, so which company largest company is coming into picture nad launching new services in India?

    Me – I said Airtel 4g and all ‘

    But he was not satisfies because he said it is a new company.. i could not remember and dont know that.

    M1- seeing my interest in economy asked about the newspapers i read and which part of newspaper and section i read the most and get attracted towards it.

    Me – I told and answered,

    M1 – Asked about purchasing power parity.

    Me – i read that somewhere and knew that but was not able to recall it at that time.

    M1- Some other economic terms you know and can tell about themn?

    Me – I told about GDP.

    M1 – what is current GDP and growth rate of India.

    Me – I answered well about the growht rate pecentage of GDP of India but could not answered the Current figures of GDP.

    M2 – Grand slam titles US open?

    Me – Told everyhting about as it was a recent news.
    some joyous momnent happend here as i said mixed doubles won my Sania Mirza and Martina Hingis. haha. lolzz. every one started laughing but i reverted with it and corrected back everything in order.

    M3 – some term which was just out of the world for me as i dindt hear that before and asked him to repeat again and nobody knew that outside when i came out, it was just unbelievable question for me..

    F1 – She gave some scenario as a branch manager and have to handle 10 memebers under me who dont listen and sit to do work..

    Me – I answered well and all counter questions she asked but for last counter question i was not having the answer. so pass on to the last member of the panel.

    M4 – He asked about the apple ipad pro launched last week. two unique features in it.

    Me – I answered one and they were satisfied but could not tell the other unique feature at that time.

    SO all it happended like this.
    Everyone said thanks.

    I tool said thanks to everyone and specially to Mam :)

    I learnt a lot of things from this interview experience as compared to BOB and IDBI, as it was totally differnet and just fast forward with counter questions with a big disaster which i did not telling the CEO of my past employer..
    It happens. lot more to come and lot to do in future,. so have to be in present and do better.

    lets hope for the best..

    All the best to everyone. :)

  16. good morning Sir,
    I studied Education Chemistry,but i got an interview with a bank.Please how can i go about it?thanks

  17. hello. i have cleared ibps po mains. i did BBA in 2012,MA in english in 2014. kindly help me what ans should i present if the interviewers ask for such shifting from bba to ma then banking.

  18. Sir I have completed MSC chemistry….
    Please help.. If ask for…. Why chosen banking after MSC chemistry..???

  19. Sir I am b.sc maths graduated..next I want to do m.sc…after finishing m.sc i going to do only banking. What is the difference between doing banking with b.sc & m.sc ?? Will m.sc degree help for my promotion?

  20. i read ur review of the gd and. Interview it is really helpful.. i want to ask u what marks you got in gd and Interview.. as my interview and gd for sbi po 2016 is on 2september.. if you would tell me i will really be grateful to u.. also i from bihar and my interview and gd is in chennai .. and my communication is not that much good. i would help me a lott….

  21. Sir in rrb PO application form due to mistake there was written prefix before my father’s name which(prefix) is wrong.sir what should I do now.will they make me appear in interview or not.?

  22. sir, i have done mcom and b.ed , what to tell in interview if asked why banking why not teaching?
    please help sir

  23. Enormously enjoyed this article :), keep up the great writing and I’ll keep reading.
    Will be sharing this with my twitter followers and I’m sure they’ll enjoy it as well!

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