IBPS PO VIII Interview Preparation Tips, Expected Questions and Interview Experiences 2019

Friends, the Institute of Banking Personnel Selection (IBPS) has recently released the result and cutoff marks of IBPS PO VIII Main Exam and going to conduct interviews for the shortlisted candidates during the last week of January 2019 and the month of February 2019. So here we are giving you complete preparation material for IBPS PO VIII Interviews. This material includes Interview preparation tips shared by experts, Expected Interview Questions with answers followed by the Interview Experiences from IBPS PO I to IBPS PO VI shared by our readers. We will shared the Interview experiences of IBPS PO VIII soon. We hope these will be helpful for all the IBPS PO VIII Interview aspirants. Please use the comments section below if you have any questions. All the Best :)

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SBI PO 2017 Interview Call Letters out

Friends, the State Bank of India has released the SBI PO 2017 Group Exercises & Interview (Phase- III) Call letters. The Interviews are scheduled to be held from 4th September 2017 to 16th September 2017. You can download your call letters from today (17th August 2017) to 16th September 2017. Check complete details below. All the Best :)

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Job Profile of a PO (Probationary Officers)

Hye all, In the toughest era of IBPS PO entrance its quite obvious that cut offs are going to be low for instance if we see the last years it was 61 for general category. So the final destination of landing a job now remains in the hand of strong interviews. Instead of waiting for results and dreaming about cut offs it would be ideal if you can start your inter view preparation right in advance in order to be ahead of other competitors.

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Tamilnad Mercantile Bank Interview Experience - Krishna Chaitanya

Friends, our friend Mr Krishna Chaitanya has attended the interview of Tamilnad Mercantile Bank (TMB) yesterday (2nd April 2013) . He is sharing his interview experience and the questions asked in the interview with us. We are very thankful to him for his contribution and wish him great success in his interview. Read his TMB Interview Experience in his own words.

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Interview Experiences of IBPS Clerks - Govind Trivedi

Name - Govind Trivedi

Interview date - 23rd march 

Qualification - BCA

Place - Executive  Building, White House,budhha marg, Patna, Bihar

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State Bank of Patiala (SBP) Interview Experience Shared by Mayank Sharma

Friends, here is the interview experience of State Bank of Patiala Assistants shared by our friend Mr Mayank Sharma. We are thankful to him on behalf of our readers and team members for his great contribution. We wish him great success in his Interview. Here is his interview experience in his own words.

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LVB Interview Experience - Venkatarajaramana

Friends, here is the Interview Experience of LVB (Lakshmi Vilas Bank) Clerks shared by our friend Mr Venkatarajaramana. We are thankful to him on behalf of our Readers and wish him great success in his Interview. Here is his Interview Experience in his own words.

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IBPS Bank PO Interview Experience - Neha Kapoor

Friends, today our Friend Neha Kapoor is going to share her Interview Experience of UCO Bank's Probationary Officers. We would like to thank her on behalf of us and our readers for her great contribution to helping other aspirants. Here is her interview experience in her own words. Over to Neha Kapoor.

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Download your SBI Associates Interview Call Letters

Friends, the State Bank of India (SBI) has announced the results of its Clerical exam conducted for its Associates Banks on 27th December 2012. You can check your results from here. Now the bank has made the Interview Call Letters available for those candidates who have appeared and qualified the SBI Associates Clerical Exam. You can download your Interview Call Letter from the below link. Inorder to download your Call Letter, you should enter your Registration Number / Roll Number and Date of Birth or Password. All The Best :)

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How To Answer the Banking Interview Question "Aren't You Over Qualified for this Job / Position ?"

We had to update an Individual post for this question because its the most obvious and important question of Banking Interviewers which decides the fate of the Aspirant. Unfortunately most of us are unable to give the convincing answer for this question. Believe it or not friends, this question represents the FEAR of the Interviewer. The FEAR of Losing you after spending some thousands of bucks on you to recruit you and train you. 

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SBI Clerks / Assistants Interview Experience - Swapnil Gupta

Friends, here is the Interview Experience of State Bank of India (SBI) Assistants (Phase II) which was held yesterday (2nd Jan 2012). We would like to thank him on behalf of us and our readers for not only his great contribution to helping other aspirants but also for his efforts in making this post reader friendly and inspirational. Now read on his Interview Experience on his own words.....

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SBI Real Time Interview Experiences - SBI Assistants - Parnasha Roy Choudhury

Friends, here is an Interview Experience of State Bank of India (Assistants). Our Friend  Parnasha Roy Choudhury is sharing her Interview Experience and some useful tips for the new aspirants with our readers. We would like to thank her on behalf of us and our readers for her valuable contribution to helping other aspirants. Over to Parnasha.....

Name : Parnasha Roy Choudhury

Qualification : B.Sc. in fashion design

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Before Interview Practice - Banking Interview Tips

First gather the complete information of the Bank from which you have got the interview call. Just go to the Bank's website and gather the basic information of that bank. You can get the complete list of Banks with their websites here. This will help you to get the complete Gather information about the bank or organization that has invited you for the interview. This will give you a clear idea about the philosophy, work environment and reputation of the Bank. And it will give you the required stuff to answer the question “what do you know about our bank? (or) why you want to be a part of this bank?” type of questions.

Your posture and ability to maintain eye contact are part of your appearance.  So, Before your interview, practice your posture while sitting in a chair, while leaning on a desk or table, and while standing.  Ask a friend to help you practice maintaining eye contact and shaking hands.  Why is your appearance important?  Because great credentials are not enough.  Employers are looking for the whole package.

If you are not 100% sure of where your interview is located, do a dry run the day before. You NEVER want to be late for an interview. It leaves a very bad first impression! So, start lil earlier on the day of Interview and try to reach the venue 1 hour before the Specified Time.


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Important points you should know about Regional Rural Banks (RRBs) for IBPS RRB PO and Clerk Exams

Friends, in this post we shall discuss about the basic points you should know about Regional Rural Banks (RRBs).  CWE for RRB (Regional Rural Banks ) PO and Clerical Exams. These points will be helpful for you in your upcoming IBPS PO / Clerks and IBPS RRB PO / Clerks Exams. Previously NABARD takes responsibilities for Recruiting the Staff in RRB’s. And used to conduct the Individual Exams and Interviews for the Recruitment. Now this was changed and IBPS taken the rights to conduct Common written exam and Interviews for Regional Rural Banks. All The Best :)

Regional Rural Banks (RRBs) - The History 

Rural banking in India started since the establishment of banking sector in India.  Regional Rural Banks were set up after nationalizations of banks in 1969 when emphasis shifted to providing more credit to weaker sections. Regional Rural Banks were established under the provisions of an Ordinance promulgated on the 26th September 1975 and the RRB Act, 1976 with an objective to ensure sufficient institutional credit for agriculture and other rural sectors.  Rural Banks in those days mainly focused upon the Agro Sector. Regional rural banks in India penetrated every corner of the country and extended a helping hand in the growth process of the country.

Here is the Complete list of 82 Regional Rural Banks(RRB) in India by Sate wise which are participating in IBPS RRB Exam :

Andhra Pradesh

•  Andhra Pradesh Grameena Vikas Bank (APGVB)
• Andhra Pragathi Grameena Bank
• Deccan Grameena Bank
• Chaitanya Godavari Grameena Bank
• Saptagiri Grameena Bank

Arunachal Pradesh

•  Arunachal Pradesh Rural Bank

Assam

•  Assam Gramin Vikash Bank
•  Langpi Dehangi Rural Bank

Bihar

•  Madhya Bihar Gramin Bank
•  Bihar Kshetriya Gramin Bank
•  Uttar Bihar Kshetriya Gramin Bank
• Kosi Kshetriya Gramin Bank
• Samastipur Kshetriya Gramin Bank

Chhattisgarh

• Chhattisgarh Gramin Bank.
• Surguja Kshetriya Gramin Bank
• Durg-Rajnandgaon Gramin Bank

Gujarat

• Dena Gujarat Gramin Bank
• Baroda Gujarat Gramin Bank
• Saurashtra Gramin Bank

Haryana

• Harayana Gramin Bank
• Gurgaon Gramin Bank

Himachal Pradesh

• Himachal Gramin Bank
• Parvatiya Gramin Bank

Jammu & Kashmir

• Jammu Gramin Bank (Merger of Jammu Rural and Kamraz Rural Banks)
• Ellaquai Dehati Bank

Jharkhand

• Jharkhand Gramin Bank
• Vananchal Gramin Bank

Karnataka

• Karnataka Vikas Grameena Bank
• Pragathi Gramin Bank
• Cauvery Kalpatharu Grameena Bank
• Krishna Grameena Bank
• Chimagalur-Kodagu Grameena Bank
• Visveshvaraya Gramin Bank

Kerala

• South Malabar Gramin Bank
• North Malabar Gramin Bank

Madhya Pradesh

• Narmada Malwa Gramin Bank
• Satpura Kshetriya Gramin Bank
• Madhya Bharath Gramin Bank
• Chambal-Gwalior Kshetriya Gramin Bank
• Rewa-Sidhi Gramin Bank
• Sharda Gramin Bank
• Ratlam-Mandsaur Kshetriya Gramin Bank
• Vidisha Bhopal Kshetriya Gramin Bank
• ahakaushal Kshetriya Gramin Bank
• Jhabua Dhar Kshetriya Gramin Bank

Maharashtra

• Marathwada Gramin Bank
• Aurangabad-Jalna Gramin Bank
• Wainganga Kshetriya Gramin Bank
• Vidharbha Kshetriya Gramin Bank
• Solapur Gramin Bank
• Thane Gramin Bank
• Ratnagiri-Sindhudurg Gramin Bank

Manipur

• Manipur Rural Bank

Meghalaya

• Ka Bank Nogkyndong Ri Khasi-Jaintia

Mizoram    

• Mizoram Rural Bank

Nagaland

• Nagaland Rural Bank

Orissa

• Kalinga Gramya Bank
• Utkal Gramya Bank
• Baitarani Gramya Bank
• Neelachal Gramya Bank
• Rushikulya Gramya Bank

Punjab

• Punjab Gramin Bank
• Faridkot-Bhatinda Kshetriya Gramin Bank
•  Malwa Gramin Bank

Rajasthan

• Baroda Rajasthan Gramin Bank
• Marwar Ganganagar Bikaner Gramin Bank
• Rajasthan Gramin Bank
• Jaipur Thar Gramin Bank
•  Hodoti Kshetriya Gramin Bank
•  Mewar Anchalik Gramin Bank

Tamil Nadu

• Pandyan Grama Bank
• Pallavan Grama Bank

Tripura

• Tripura Gramin Bank

Uttar Pradesh

• Purvanchal Gramin Bank
•  Kashi Gomti Samyut Gramin Bank
•  Uttar Pradesh Gramin Bank
• Shreyas Gramin Bank
•  Lucknow Kshetriya Gramin Bank
•  Ballia Kshetriya Gramin Bank
• Aryavart Gramin Bank
• Kisan Gramin Bank
• Kshetriya Kisan Gramin Bank
• Etawah Kshetriya Gramin Bank
• Rani Laxmi Bai Kshetriya Gramin Bank
• Baroda Western Uttar Pradesh Gramin Bank
• Devipatan Kshetriya Gramin Bank
•  Prathama Bank
• Baroda Eastern Uttar Pradesh Gramin Bank

Uttaranchal 

• Uttaranchal Gramin Bank
• Nainital Almora Kshetriya Gramin Bank

West Bengal

• Bangiya Gramin Vikash Bank
• Paschim Banga Gramin Bank
• Uttar Banga Kshetriya Gramin Bank

Objectives of Regional Rural Banks :

The importance of the rural banking in the economic development of a country cannot be overlooked. As Gandhiji said “Real India lies in Villages,” and village economy is the backbone of Indian economy. Without the upliftment of the rural economy as well as the rural people of our country, the objectives of economic planning cannot be achieved. In fact, the real growth of Indian economy lied in the freeing of rural masses from acute poverty, unemployment, and socio-economic backwardness.

Regional Rural Banks (RRBs) are oriented towards meeting the needs of the weaker sections of the rural population consisting of :

• Small and marginal farmers,
• Agricultural labourers,
• Artisans,
• Small entrepreneurs,
• Mobalise deposits from rural households

RRBs are expected to make credit available to rural households besides inspiring carefulness. Put it simple to ensure sufficient institutional credit for agriculture and other rural sectors.

The Credit Delivery System :

• Grant of credit at cheap or concessional rates
• Lending to individuals belonging to weaker sections without checking the viability of the activity proposed to be undertaken.

The Operational Area of RRB "

The area of operation of RRBs is limited to the area as notified by GoI covering one or more districts in the State.

Ownership of RRBs :

RRBs are jointly owned by Government of India (GOI), the concerned State Government and Sponsor Banks (27 scheduled commercial banks and one State Cooperative Bank); the issued capital of a RRB is shared by the owners in the proportion of 60%, 20% and 20% respectively.

Reform Process - RRBs

In order to provide access to low-cost banking facilities to the poor, the Narasimham Working Group (1975) proposed the establishment of a new set of banks, as institutions which "combine the local feel and the familiarity with rural problems which the cooperatives possess and the degree of business organization, ability to mobilize deposits, access to central money markets and modernized outlook which the commercial banks have".

RRBs started their development process on 2nd October 1975 with the formation of a single bank (Prathama Grameen Bank). As on 31 March 2006, there were 133 RRBs (post-merger) covering 525 districts with a network of 14,494 branches.

RBI Assistance

With a view to facilitate RRBs operations, the RBI gave RRBs direct access to refinance assistance at a concessional rate of three per cent below the bank rate.

Allowed to maintain a lower level of SLR than commercial banks.

Allowed to pay half per cent more interest on all deposits except those of three years and above.

Sponsor banks IDBI, NABARD, SIDBI, and other FIs are statutorily required under the RRBs Act to provide managerial and financial assistance to RRBs.

Evaluation of RRBs

The Committee constituted by the RBI in June 1977 to valuate the performance of RRBs concluded that with some modifications in their organisation and structure. The Committee to Review Arrangements for Institutional Credit for Agriculture and Rural Development which inter alia examined the role of RRBs in the rural development work, suggested the following : 

• Preference for opening bank branches than commercial banks
• The eligible business of commercial banks’ rural branches may be transferred to RRBs.
• The losses in initial years of RRBs may be met by shareholders and equity capital should also be raised.
• The various facilities provided by sponsor banks should continue for 10 yrs in each case
• Concessionary refinance by RBI should be continued
• The control, regulation, and promotional responsibilities should be transferred from the GOI to RBI or NABARD.

Regulatory Control

RRBs are allowed up to December 31, 2000 to maintain cash reserves at 3 per cent of their demand and time liabilities. A number of measures were taken since 1995 not only to make RRBs viable but also to enable them to function effectively.

Apart from recapitalisation and infusion of equity, the measures include : Deregulation of interest rates on advance and deposits of above one year maturity; rationalization of branches; and relaxation of norms relating to investments by RRBs.

In 1998-99 NABARD introduced several policy measures for improving overall performance. 

They are :

• Quarterly / half yearly review of RRBs especially weak ones by the sponsor banks
• Merger of RRBs coming under a sponsor bank and operating in contiguous areas
• Off-site surveillance
• Framing of Appointment and Promotion rules (1998) for the staff of RRBs
• Introduction of Kissan Credit Cards for provision of credit to farmers. 

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