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January 05, 2014

Interview Experience of IBPS PO III - Bhanupriya Vishwakarma

72 comments

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Hello Friends, my name is Bhanupriya Vishwakarma and I have completed MBA in finance and also I have Banking Experience of about 2.5 years. I had my interview yesterday at Mumbai ( Bank of Maharashtra, Bandra East). I was assigned panel IV for interview in the afternoon shift. I reached the venue and was made to wait till 3:30 pm. Then I was called for document verification which went on smoothly. I was required to produce my experience letters, all semester marksheets, degree certificates, Photo ID and Application Print out. They called me for interview by 4:30 pm and was last in my slot.

I opened the door without making any noise and glanced inside seeking permission to come in. They called me in. There we four panelist which included 3 gentlemen and a lady. I greeted the lady first and gentlemen later with a smile. They all greeted back. They asked me to sit, I sat and thanked them for offering a seat.

Then the interview began.

M3- So Bhanu, what does your name mean ( He asked me in hindi, bhanu ka kya matlab hota hai?)
Me- I replied in Hindi that my name means Sun but Bhanupriya Means Laxmi.

I saw him noting down something in his notebook.

M2- You have done your graduation in Chemistry and done post graduation in Finance, why so?
Me- I replied I received no guidance as a child but as time went by I started to realize that I am more inclined towards managerial science. And hence I took the decision to pursue management as masters.

M2- You have more than two years of work ex in private banks. Why do you want to switch to public sector banks.
Me- I am looking forward for working with public sector banks as they can provide me with a fair and decent chance to grow. They emphasize on knowledge building through exams like JAIIB, CAIIB. Promotion process are transparent where as same is almost absent in private banks. Also work environment is better as compared to private counterparts be it timing or leave policy.

M2 then tossed a technical question. He asked me about CASA.
Me- CASA is the bread and butter of banking industry. It is the day end balance of all savings and current accounts in the bank. The stronger the casa is, the more is the lending capacity of the bank.

M2- But dont you think that cost of funds is more. The operational cost in serving these accounts is much more than the interest they earn. ( It was followed by a very long elaboration)
Me- I understand sir. But still I believe that the interest income of banks is more than operational expenses. Economies of Scale comes into effect. A branch which serves 100 accounts with 3 people can be used for servicing 300 accounts. So if we can increase the CASA base, banks will grow stronger. Operational costs will come down if we serve a larger base. Hence cost of funds will come down. ( I think he was not convinced but I showed no sign of losing my confidence)

M3- What is  KYC? ( Asked in hindi)
Me- Documents which we collect from customer regarding his identity. ( I thought by replying know your customer, he will say that he already knows the full form so I went ahead with details, then he asked the full form. I replied Know Your Customer")

M3- What all documents can be used for KYC
Me- Replied.

M3- You know about AML?
Me- Anti Money Laundering.

M3- What is it?
Me- It is an act used to prevent and track suspicious transactions.

M3- What are suspicious transactions.
Me- Transactions of Rs 10 lac or more of which the source of funds are unknown.

M3- Unknown?
Me- Illegitimate ( he was trying to hint me..then I gave the answer terrorist activities) Then he looked convinced.

M3- If we post you into any interior location, will you be able to go?
Me- Definitely Sir. And thats why I have come here.

M3- How will your husband be able to live here ? ( He smiled and asked)
Me- He can get a maid to cook food. ( I smiled and then everyone laughed).

M2 to lady panelist- Aap kuchh poochna chahte ho ? ( You want to ask something?) She was going through my documents and asked what my designation " Product Support Executive" Meant.
Me- Replied.

M4- Do private banks give no weight age to JAIIB CAIIB?
Me- No Ma'm. Not at all. Sales is of prime importance there.

Then they thanked me and I smiled and thanked them instead. and left the room and closed the door.

What do you think friends about the interview. Do let me know.


Thanks to Bhanupriya on behalf of our readers and team members for her valuable review. We wish her great success in this interview.
Gr8AmbitionZ Team

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72 comments:

  1. Perfect Bhanu...

    Really Very nice :)

    ReplyDelete
    Replies
    1. In the banking sector the first prefernece are get in to the women candidate. u don.t worry about this u will compulsory selected for that job. u are very good performer in interview.

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    2. friends i have to ask one question mera 10th 12th and ibps score card mai name ke saath surname nahi hai par graduation mai surname likha gaya hai is there will be problem ???????????????????

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    3. you are selected,Bhaunu.

      Delete
    4. Can any one tel me en d result of this intrvw vl cum

      Delete
  2. friends i got 86 obc in ibps po. but my interview did not go well.
    will they disqualify me?????
    plz reply me friends....

    ReplyDelete
    Replies
    1. Hey!

      It depends as to how did you fare,as in were you able to answer 50% of the questions put in to you??? If yes,then they will definitely give you if not good then at least 40/100,my friend:)
      So,better not to worry...Calm down and have faith in the almighty :)

      Delete
    2. thank you so much for your reply....:)
      in fact i prepared very well for the interview... but they did not ask me much questions to prove my knowledge....
      yes i have faith in the almighty..
      once again thank you for your quick reply:)
      i got relief now

      Delete
    3. no brother.there is lot of absentees and document is not clear in interview. so u be positive. there is an 50 marks in interview minimum 40 mark are put defintely. so the 10 marks is the matter.interview is for only self confident and attitute.

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    4. thanks for your reply brother.....

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    5. You stand pretty good chances. Your score and your category are a plus point for you. I gave PO 2 last year .My interview was a total blunder. Still, I got selected. Many people don't join PO after final allotment. Hence , you stand good chances.

      Delete
  3. That was perfect interview... bhanu u have very good chances of getting selected.

    ReplyDelete
  4. Ma'am I too want to share my experience....Where am I supposed to share it with you,so that I can give my fellow friends an idea of the same..

    Kindly let me know

    Thanks and Good luck to all :)

    ReplyDelete
    Replies
    1. Please do mail it to gr8ambitionz@gmail.com

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    2. Ok sure :) Thanks :)

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    3. I have mailed :)

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    4. Thank you friend... They will post it as early as possible!

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  5. thanks for sharing your interview experience mam... it was a nice one... I too have my interview with the same panel...

    ReplyDelete
  6. Is Consolidated Mark Sheet compulsory? My college didn't give me consolidated mark sheet, only 4 annual mark sheets. Will I be allowed in the interview or not?
    Please reply I am very tensed.
    My interview is on 6th Jan. in bbsr.

    ReplyDelete
    Replies
    1. nothing happens.. u will be allowed..some colleges will not give cmm..
      tell them the same..
      If they wont agree tell them that i will submit it at the time of joining..
      after ur interview force ur college authorities for cmm..and tell them ur situation
      All the best for ur interview..:)

      Delete
  7. thanks for sharing your interview experience

    ReplyDelete
  8. please let me know do the interview pannel disqualify if the interview was not good

    ReplyDelete
  9. I want to ask if there is need of resume??

    ReplyDelete
  10. I hv written 69 % in place of 66% in graduation in rrb. Will They allow me fr interview? Reply admin plz..

    ReplyDelete
    Replies
    1. Plzzz reply admin..

      Delete
    2. Plzzz reply admin..

      Delete
    3. Dont worry friend.there will be no problem.they will correct it at the moment.dont worry just be prepared for ur interview & give ur best.All the best.

      Delete
  11. I hv written 69 % in place of 66% in graduation in rrb. Will They allow me fr interview? Reply admin plz..

    ReplyDelete
  12. i have filled my date of passing as 28/04/2012 instead of 13/03/2013 in ibps clerk application.is there any problem in ibps interview

    ReplyDelete
  13. does anyone have interview on January 11 in Noida?

    ReplyDelete
  14. ibps making fun of candidates..... obc candidates need obc certificate on and after 1/04/2014

    ReplyDelete
    Replies
    1. It is after 01/04/2013...read it clear

      Delete
  15. hey, i don't have all semester marks but consolidated will that be accepted?

    ReplyDelete
  16. thanks for ur review....ur all answers were very cleared.....

    ReplyDelete
  17. Can anyone tell me the no of public sector banks in india?? is it 27 or 29???????

    ReplyDelete
    Replies
    1. EARLIER IT WAS 26 BUT AFTER INCLUDING OF THE BHARTIYA MAHILA BANK AS A PUBLIC SECTOR BANK IT WAS 27 . FROM CHANDAN PATNA .

      Delete
  18. FOR OBC Candidates:

    I am not allowed to appear in interview becz of non availability of New OBC cert after 01.04.2013.

    I faced the problem in interview in PNB Circle office Jalandhar I have older certificated, my new OBC certificate made from state govt. on 20.12.13 and i applied for main proforma, and i given Affidavit at stamp paper that i will submit it if selected. after all they not allowed me the same problem is faced by 8 candidates. Now whats to do. Is there is any extension or contact to IBPS.

    The socking news is near the same center in Hotel Sekhon the undertaking was allowed.

    if u want to contact us then follow me in facebook link www.facebook.com/rakeshdoeacc

    ReplyDelete
  19. PERFECT Banu really lot of thanks because my interview scheduled on 7th and i too have 2 yrs experience in private banking sector. But i dont know what will be the opt answer to provide if they ask why you switch for public sector bank. You provide me a hint. THANKS ONCE AGAIN

    ReplyDelete
  20. Hi

    Please can any one let me know is it compulsory to carry Character certificate
    thanks in advance

    ReplyDelete
    Replies
    1. no, its not required friend..

      Delete
  21. if they ask me have u attende any coaching ? so what should i say ? should i tell them truth ?

    ReplyDelete
  22. What if someone dont have experience letter... I am currently working and will not be able to give experience letter till I resign from?

    Will they allow for interview

    ReplyDelete
    Replies
    1. If it is PSU then NOC is must without that you will not be allowed....For private companies those are not mandatory but it depends on the person verifying the docs.carry your recent month payslips and tell them that you will submit it later and sign the undertaking form.

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    2. sir by "submitting any document later or by undertaking" does it mean to submit in bank we get seat in future or we should send it to IBPS

      Delete
  23. If obc certificate is made of this Nov or DEC 2013..wud it not b acceptable??

    ReplyDelete
    Replies
    1. Yes if it is within this FY then it is acceptable.

      Delete
  24. hey bhanu, cud u pl share ur marks and category ?

    ReplyDelete
  25. i have not mentioned my exp in application form but I wish to submit my exp certificate with other documents,, can I do so???? PLZ GUIDE... my interview is tomorrow....

    ReplyDelete
    Replies
    1. Don't submit it.At times it is seen as suppression of fact that may lead to candidature rejection.

      Delete
  26. Hi please help me. Myself Abdoul Feroze. I did my interview at 4th and I think it went bit bad... like I answered for certain questions then they know abt my hearing pbm and said me to speak boldly... I got 53 marks and cut off is 26. And do u think I ll be hearing good news...? Worried a lot. Ur suggestions ll help me

    ReplyDelete
  27. Hi please help me. Myself Abdoul Feroze. I did my interview at 4th and I think it went bit bad... like I answered for certain questions then they know abt my hearing pbm and said me to speak boldly... I got 53 marks and cut off is 26. And do u think I ll be hearing good news...? Worried a lot. Ur suggestions ll help me

    ReplyDelete
  28. g8 bhanu definitely you are selected

    ReplyDelete
  29. A question asked in ibps po interview -- "Why is cash an asset for a bank?"
    If any one knows answer please reply for this...

    ReplyDelete
  30. anyone having interview in lucknow on 11th morning??????

    ReplyDelete
  31. Hi friends, As we are preparing for bank exams, money is the real problem for us. Here is a wonderful opportunity for us to work at home and earn more money. I'm working through this and earning a lot. I just want to share this with you people. It doesn't take much time. You can spend very less time and can earn more. Here is the link for you.
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    http://www.paidtoclick.in/index.php?ref=malarbecse
    http://www.clicksia.com/index.php?ref=malar1390
    http://www.incentria.com/index.php?ref=malar1390

    ReplyDelete
    Replies
    1. Is mcbc ki gaand maro... had jageh pareshan karne aa jata hai mu utha ke

      Delete
  32. friends...are they asking for N.O.C compulsury or shall we give any undertaking letter?

    ReplyDelete
  33. friends...are they asking for N.O.C compulsury or shall we give any undertaking letter?

    ReplyDelete
    Replies
    1. NOC is must...In my centre they did not allow a candidate who was working in SBI as a clerk.

      Delete
    2. friend, plz tell me, are they accepting the print out of scanned copy of NOC, coz my employer is not providing me NOC in hard copy.. plz reply ASAP, i'm a clerk in canara.

      Delete
    3. friend they are not accepting soft copy ....they are asking for hard copy....do get it...
      am also clerk in canara bank and i am disqualified for not having hard copy of n.o.c...even fax also they are not accept\ing

      Delete
  34. u r too good...u'll definitely get good marks in Intrvw

    ReplyDelete
  35. U were good Bhanupriya.One thing that i have observed that u replied each and every question they have asked.All the best

    ReplyDelete
  36. everyone must attend interview with prescribed ibps format OBC.. otherwise u will be rejected.. today 4 mem rejected in visakhapatnam...

    ReplyDelete
  37. Passing date of my graduation is 30/07/2010.. But i entered 30/06/2010 while filling the online exam. Will it cause any problem?

    ReplyDelete
  38. Dear admin, if u know anything about this, plz help me out, will they accept the print out of scanned copy of NOC?? i don't have noc in hard copy..

    ReplyDelete
  39. Hi all and admin,when I filled application form I haven't mentioned my Experiece,but i have 6 monts experience in It field,If i tell them about my experience.are they going to reject them for this?If I hide this,is it going to be a problem in future?as they are going to check my background and also i have submit my professional tax from my previous company.By any means can they find my previous job details,and hiding such thing may lead to a rejection after passing interview?
    so plz give me suggestion whether to tell them about my work experience or not?

    ReplyDelete
  40. hi guys me also same problem. I have been qualified for ibps clerk 3 ... i have written by mistake diploma in computer operations but actually i have post graduate diploma in computer applications. pls guys help... !

    ReplyDelete

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