Interview Experience of IBPS PO IV shared by Abha (Noida)

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Hello, My name is Abha from New Delhi. I want to share my interview experience of IBPS PO IV held in NOIDA.

Name - Abha Jha

Qualification - B.Tech 

Date - 23rd January 2015

Venue - Bank of India Staff Training Center, Noida

Time - 1.00 Pm

I reached there at 12.30. Interview started at 1 PM and I was second to be interviewed. 

There were 5 members in the panel (4 Men and 1 Lady). All are above 55.

Me - May I come in?

M1 - Yes Please

Me - Good Afternoon Mam, Good afternoon Sir.

M1 - Have a seat beta.

Me - Thank you Sir.

M1 - So Abha, Introduce Your Self.

Me - replied about myself. only educational background and family background.

M1 - Ok Beta Papa Kya karte hai?

Me - Replied.

M1 - Ok to aap kya padh k aaye ho?

Me - Sir  Banking and current Affairs

M1 - Ok Banks ka nationalization kb hua tha?

Me - First 1969 me 14 banks ka and then 1980 me 6 banks ka.

M1 - Kyu hua tha nationalization?

Me - Sir Nationalization se phle sare banks private the. Private banks ka main tha profit generate krna. Hmari economy us time pe mainly agriculture based thi. to jo weaker section hai society ki jaise ki agriculture, MSME sectors, students in sb ko loan nhi mil pata tha. Ye sb basic banking facility se chut jate the.

M1 - Very good. Then Nationalization k baad government ne kya sb kiya?

Me - Sir nationalization k baad RRB, NABARD establish kiye gye. Commercial banks k liye rule bnaya gya ki 25% branches rural areas me khole. total loan ka 40% priority sector me de.

M1 - Ok what is NABARD and what are its functions?

Me - Sir it is an apex development bank. Its main function is to provide credit for the development of agriculture, small scale industries, and other economic activities  in rural areas. It coordinate rural financing activities of all institution engaged in development work in rural areas.

M2 - Ok beta aapne kahan ki banks apna 40% loan priority sector me deti hai agar bank ye criteria fulfill na kr paye to kya hota hai? Koi penaloty v hai kya?

Me - Yes Sir agar Banks target nhi achieve kr pati hai to sare Schedule commercial banks including foreign banks jink ki 20 se jyada branches hai remaining money RIDF (Rural Infrastructure Development Fund) ko de deti hai. Nabard RIDF ko manage krti hai. Nabard banks ko interest pay krti hai. But penality yhi hai ki agar banks whi loan PSL ko deti to jyada interest milta. Nabard kam interest deti hai.

M1- Well done beta. ok tell me one thing what is lead bank?

Me - Explained them.

M3 - Beta we like your confidence. you are really bold.

Me - Thank you Sir (with a smile).

M1 - accha beta ye women empowerment k bare me suna hoga? ye Government sare kaam women k liye kyu karti hai? man ka kya hoga?

Me - Sir kyuki woen ko jarurat hai in chijo ki.

M1 - Nhi beta aaj k time me women itni smart ho gyi hai har field me aage hai. ab unhe kya jarurat.

Me - Sir ye chij sirf metro cities me aayi hai. but avi v gar aap villages me jao to wahan log padhana nhi chahte betiyo ko. Jahan se mai belong krti hu maine yye chije dekhi hai. kafi early age me shadi kr dete hai?

F1 - to beta aap v usi jgh se belong karti ho, aapne khud kiya ye sb?

Me - No Mam ye sb meri parents ki wjh se hua aaj. aaj mai jo v kuch hu unki wjh se. wo hmesa se chhate the ki mai self dependent banu.

M1 - Very good beta. one thing God saves your husband. Kitna bolti ho aap :) but we really like your way of explanation. your future is really bright. Keep it up.

F1 - What is negotiable instrument?

Me - These are document which are meant for payment. They are easily transferable from one person to other. like - cheque, bill of exchange, Promissory note.

F1 - Ok Explain Promissory Note.

Me - Its a written document contating a promis to pay a stated sum of money. Suppose I took a loan of 10000 from you. i can make a note stated that " I would like to pay the money to bearer after 3 months". This document once signed by me and duly attested becomes a promissory note.

F1 - Very good beta. All the very best for your future.

Me - Thank you Mam.

M4 - So Abha You are basically from Bihar. Tell me ki bihar me log saving jyada karte hai aur loan kam lete hai aisa kyu?

Me - explained them.

M1 - Ok abha once again All the best. you are really good. Ypu can leave now.

Me - Thank you Sir.

All are satisfied and happy. They were really nice people. They are only checking confidence. now waiting for result. Thank you.

Read more IBPS PO Interview Experiences  and Interview Preparation Tips from here

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