Name : Shanmukha priya V
Qualification : B.E. Aeronautical
Category : General - OC (Physically Challenged)
Interview place : IOB regional office, Coimbatore
Date and time : 18/01/2016, 8.30 AM
Document verification started exactly at 8.30 as per the call letter. First they took attendance and then the process started. It was so deep that they took atleast 15 min per person. After that, biometric verification has to be done, but the machine was not working, so interview starting time itself got delayed by half an hour and then they decided to proceed with the interview process without biometric. While few people went for the interview place, we were being kept waited in the document verification hall itself for a very long time during which tea and biscuits were served.
After what seemed like ages, we were taken to a place outside the interview hall. Just before my turn, unfortunately lunch break came and the panel members went for lunch :( When they came back it was 2.30. Lunch was served for the candidates but as soon as I received my lunch box I got the interview call from inside :( But as soon as I entered the hall all hunger got forgotten replaced by
There were overall 5 people including 4 males and 1 female. I greeted them all (female first)
One person looked like the chairman of the panel wearing suit and all. He offered me to sit. He was the one who asked many questions. The female didn't ask any question. Remaining people didn't ask much, they were just helping me with few answers I was struggling. Since majority are commonly known questions and questions were more, I'm just giving questions here. They are:
why didn't you choose a career in aeronautical and came for banking ( around 2,3 ques reg the same);
why 3 years gap in between? - first they weren't satisfied with banking preparation, then I told about my last year interview. Then they started believing it and were asking the marks and all.
What is aerodynamics?, what is accelerated velocity?
How did u prepare for interview and written test? - I told self preparation.(He told - ok, preparation from internet, huh) How much are u confident in facing the interview- I told 90% since I didn't want to sound as over confident.
what is green banking?,
what is off-balance sheet? ( dint know the ans, he explained),
defns of laf, msf, slr, crr,
sbi present and first head quarters,
name a few women in banking: - I told about sbi, axis, icici ceo; he asked women in psb then, told Mrs. Usha ananthasubramaniam of pnb, he again asked ceo of Bhartia mahila bank and I told she is taking additional charge
recently introduced scheme for farmers - fasal bima yojana, mudra full form and explanation; then one practical ques: If i give u 100 rs, how much ll u lend? - I told about crr and slr, n then he asked me to calculate n tell exactly. I told I can lend 75 rs. Then he corrected me by saying 74.5.
After all these ques, he asked me what topic have u prepared very well. I told rbi. Then followed a rapid fire round on rbi.
rbi functions, on site and off site surveillance of rbi, priority sector lending and how much percent for agriculture, rbi formed year n nationalized year, other banks nationalized year and date, significance of July 21st ( the day Neil Armstrong landed in moon- I didn't ans that) , two banks merged what were they, in sbi two banks merged, what s term repo, repo rate- rate of interest, who prints one rupee note, limit of rupee that can be printed by rbi, . As soon as the rbi round was over, he seemed quite impressed and he was like u prepared well regarding rbi.
two banks based on Tamilnadu, What r they n which group was responsible for the formation, why bharatia mahila bank last preference being a woman, letter of credit, some ques regarding funded and unfunded liability- i couldn't recall now. I didn't answer that ques, he explained me.
He asked about my native. what is famous in thanjavur? and few ques regarding brahadeeswara temple (Big temple).
At last, all of them told good, u did well, all the best for your results. I thanked them and left.
Overall, my interview experience was good :) Interview was in tamil only except two or three ques. The panel members were friendly and were helping in many places. I didn't ans two or three ques. All were explained by them periodically.
One advise for my friends, those who are having interview in Coimbatore IOB, eat breakfast well and go. They are taking around 15-20 min average for each person for each and every process. Once the document verification is over, v r not allowed to go out anywhere. Also, be punctual. They are starting the process on time. Only finishing takes time.
After interview, biometric process was there and then travel reimbursement for my category n sc/st was there. Left the complex by 3 pm only.