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February 03, 2015

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.

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  1. U will be in.. All the best..

  2. confidence matters a lot

  3. U will be in for sure
    all the best

  4. thnx fr sharing....n all d best abha .....i jst wnt to knw from where hv u prepared for d interview??

  5. hai.any one suggest me good book for ibps clerk nterview?how to get complete details banking which are used for intervies?

  6. yeh character certificate kab banaya jata hai . can anybody plz tell me ?

  7. From where u prepared banking for interview plz help me

  8. u r selected pakka

  9. One of the best Interview Experience I have ever gone through. From my side you deserve 75.
    All the best!!

  10. nice interview, and thanks u for sharing

  11. How much u attempted finally? Is the paper really of po standard? I am asking as I am about to appear in it & it's my first time.

  12. done well All the best

  13. abha tusi taan great ho

  14. anyone pls help me...i hav cleared ibps clerk exam and having my intervw on 12th feb 2015...i hav my obc certificate which is issued on 4.5.2014... whether it will cause any problem during my doc verification?? pls tell...

  15. Mera clerk ka interview hai on this center me kya kya padhu plz any one tell.

  16. No problem they vl consider certificate issued after September 2013

  17. No need of character certificate

  18. yaar aapka to hona pakka hai.

  19. pro banker 1number interview

  20. Nice Interview

  21. Self study only no coaching

  22. All the best Abha...u have done well.

  23. Thanks to all of you for best wishes. I didnt join any coaching, only self study. I did 128 Expecting 100+. Thanks gr8ambitionz. You guys are really doing a great work.

  24. Great interview abha... I say its 100% better than mine... Keep it up... All the best for your future in bank you are going to get selected...

  25. thank u soo much hari.... whether character certificate is necessary????

  26. thanku soo much... :)

  27. They never ever ask for these many banking questions. :D


  29. CWE V for Recruitment of Clerks and Probationary Officers in Public Sector Banks

    Here IBPS has introduced an Important change and it is that there will be Two Stage Written Exams - Pre and Mains. Those candidates clearing the Pre exam will then be called for the Mains test to be held later.

    Candidates clearing the mains test will be called for Interviews. Marks of Pre exam will not be considered for Interview Shortlisting / Merit Making as noticed -

    "The marks obtained in the Preliminary examination will not be considered for preparing the final merit
    list and the marks obtained in the Main Examination will only be considered for short listing for

    Tentative dates for the PO and Clerical Exams 2015-16 are -

    Probationary Officers

    Pre - Oct 3,4,10,11 - 2015

    Mains - Oct 31, 2015


    Pre - Dec 5,6,12,13,19,20 - 2015

    Mains - Jan 03, 2016

    More detailed Schedule and details shall be made available later but for now this short notice tells that pattern change is coming in the bank exams on the verge of Combined Graduate Level Exam conducted by SSC and more vacancies can be expcted this time in the Upcoming Bank Exams 2015 - 2016 for PO and Clerks. Candidates Must now get ready for this new pattern.

  30. superb interview !!!! 10 on 10 !!!!


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