Q: What are your career goals? ANS: 1.

The reasons of this question: This question will test your ability and ambition to develop yourself as well as the ability to plan for the future. 2. Levels of career goals: You are not sure about your goals, then answer: Im rather busy with my duties and goals of the Company; as a result, I havent focused much on my long-term personal goals. You have goals not or very little relating to the current job: For example, you are applying for a sales manager, but your career goal is to become the head of marketing department in the next 5 years. Current job oriented career goals: For example, you are working as a sales manager, you goal is to become the area sales manager in the next 2 years and in the next 5 years, you will be the regional sales manager. 3. Career goals tips: a) You can state some of your goals as following: Study for an MBA certificate or other degrees Become specialist in the sector Get to the title of XYZ something. Note that long-term goals must be set for the next 3-5 years. b) When you have identified your goals, you need to answer the following questions: Are those goals suitable to the job you are currently applying for? Are those goals helpful to your current job? Are those goals helpful to the development of your current job in the next 3-5 years? c) How to achieve those goals? Identify what you have to do to achieve your goals? In the next 6 months, 1 year, 2 years, what will you do? Q: How long you would stay with us? ANS : Admit that you want challenging career and you would stay with them indefinitely until you get challenging projects. But also mention to them you will give a lot of time to hop for jobs. Q: How would you know you were successful on this job? ANS : Answer tips Several ways are good measures: You set high standards for yourself and meet them. Your outcomes are a success. Your boss tell you that you are successful. Answer sample I m sure that I were successful in the because any job offered in your company is my dream and I can do any thing for my dreams. another way I am like to do this from my heart not for money. Q: Why do you think you would do well at this job? ANS :Answers samples Give several reasons and include skills, experience and interest. 1. I am a person that learn quickly and perform better under pressure, am a very good team player that motivate others in other to achieve the companys common goals 2. Will do well in this job because I already have previous experience in the similar field. so I will use my previous experience in this job and I am interested in learning new things and enhance my skills. 3. I believe I will do well in this job because I have the relevant skills and experience. I also have the drive, interest and determination to make a real success of this role. Q: What motivates you to do your best on the job? Answer tips This is a personal trait that only you can say, but good examples are: Challenge, Achievement, Recognition For any person motivation is the main factor which should make him work in an efficient manner. And that motivation could be done my some rewards for doing good job, some encouragements etc. Moreover an employees good work must be acknowledged by his employer, which would definitely boost him to work more harder to get more acknowledgements. Answer samples 1. I was motivated both by the challenge of finishing the projects on time and by managing the teams that achieved our goals. 2. I want to be successful in my job, both for my own personal satisfaction and for my employer. 3. Ive always felt that its important, both to me personally, and for the company and the clients, to provide a positive customer experience. 1.ARE YOU HAPPY TO SIGN BOND WITH US ...... WHAT IF WE GIVE YOU OPTION NOT NO SIGN BOND ..... WHAT WILL YOU DO " ANS-sir/ madam, signing a bond 4rm Hr point of view is 2 retain employees with the org, so as 2 fight employee turn over rate. n untill I work on a job for about 1or 2 yrs, I will not gain complete knowledge about it. n there is no risk in signing the bond either. Also, there is no point in jumping 4rm 1 job 2 another. must stick with a job 4 sometime atleast 2 gain the relevant knowledge. Hence, if Im given a choice, i'l sign a bond(my choice!!) 2) "If in a rural branch in which you are posted, someone asks you for loan or money on gunpoint what will you do?" ANS- will not be bogged down by threats and told them to do whatever they wanted but he will not give them single penny. Seeing his guts those robbers left and never came back" 3).DO YOU HAVE ANY QUESTIONS FOR ME? ANS-Thank you very much sir/madam for this golden opportunity. It was wonderful experiance to know all of you.I would like to know the areas you found where I should brush up.......thanks a lot for your feedback. I will definetly improve myself as per your suggestions. I would like to hear from you very soon. Q: Shadow Banking ? A.shadow banking means those financial transactions which are not regulated ..... hence the risk involoved in these are very high..........shadow banking deals in money market instruments......and hence need money for early repayment .......... now what happens is they invest for long term .....and borrow for short term.......so this match creates problem coz of lack of liquidity...........and second thing as they are not regulated so they cant take help from any other organisation like for eg central banks.........the crisis which world faced during was coz of shadow banking also. Q:HOW WOULD YOU DESCRIBE YOURSELF OR DESCRIBEV YOURSELF?" ANS- I'm a people person. I really enjoy meeting and working with a lot of different people. I'm a perfectionist. I pay attention to all the details, and like to be sure

that everything is just right. I'm a creative thinker. I like to explore alternative solutions to problems and have an open mind about what will work best. I'm efficient and highly organized. This enables me to be as productive as possible on the job. I enjoy solving problems, troubleshooting issues, and coming up with solutions in a timely manner.I would like to describe myself as a one of the helpful person because i like to help anyone at anytime for any kind of useful work. I am also prepare myself for work with honestly and fulfill all requirements without any commitment. I would like to spread my work for I accept new challenges to face. It gives me the inspiration and good experince in my life. So, always i stood as one of the useful employee for your organization Q: DO YOU CONSIDER YOURSELF SUCCESSFUL? ANS-success is the progressive realization of a worthy goal.a goal that one aspires for or has set for oneself...being a mgmt graduate I aspire to grow to be managerial and professionally sound person..i believe i shud accomplish this in about 5-10 yrs time..i have acquired the basic qualifications fr dat...im on the verge of accomplishing it nd im sure i'll achieve the goal and become successful. Q:WHAT ARE YOUR GREATEST STRENGTHS AND WEAKNESSES ? ANS-my strengths are my adjustng nature to situations. be it difficult or easy. adjust myself to situations around me. another strength is keeping my self calm, dedication to my work is another strength....weaknesses are relationships, as i do care forall the people around me and can t see them in trouble or tears which at times led me to trouble, another weakness is that i want to see everythng around me in perfect order and in time whether be it at home or in office (OR) Well i would say my strengths are i am good listner, very quick learner and can do different work/tasks with very little training. Like strenghts, i have few weaknesses too, Sometimes recheck my work twice after it is done, it takes little bit more time than what I usually take. But i make sure that that particular work should finish before the deadline. Q:WHAT SIGNIFICANT TRENDS DO YOU SEE IN FUTURE FOR BANKING SECTOR ? ANS- Banks will remain the most prominent growing sector and some major trends we can see are Door Step banking facilities, Lower NPA Rate, With Aadhar Card coming it will help identify the defaulters and money will not flow in bad hands, Atleast 2 Banks in Rural areas and Phone banking facility. Q : What are your hobbies and passions, how have they helped you in making a change in your life and tell me difference between liking, hobbies, passion.? ANS-my hobby is to make new frnds and my passion is to get a higher position in bank ....as all policies of banks are made keeping customer welfare in mind so for this a good my hobby ie to make frnds is helpful coz one who makes frnds easily can communicate and understand the plight of customer easily and formulate policies accordingly which will lead to fulfillment of my passion ........ coming to the difference between liking , hobby, and passion........liking is what we always want to do , hobby is what without which our identity is incomplete and passion is what for which we are living and doing things Q:WHAT MAKES YOU ANGRY?" ANS-Well, as a human it is natural to get angry.. But what is important is not to show in face and not letting it to affect our work and attitude. However I won't get anger usually except at times when people behave irresponsible towards the work. But I have my own way of coming out of it. I would like to discuss rather than argue with someone and find a way to let him/her realize his/her responsibilities . Also I am an open minded person and I welcome suggestions from all side and always try to correct my mistakes. (OR) There is nothing in particular that makes me angry. It all depends on the scenario and the circumstances of the event. I have hardly ever been angry. But once when my mother got hurt in an accident I was angry because the person instead of being sorry, accused my mom of feigning her injury! Interview Questions for Banking Bank interviews are basically based on four areas. 1. Bio-data 2. Subject 3. Bank Terms 4. GK (Current Affairs) 5. Computers (Basics) 1. Bio-data: About your family, About your town, About your studies, About your achievements, About your fathers working department, About your hobby, and any past work experience if you have. 2. Subject: Candidate must have complete knowledge of the subject what he has studied. Any question can be asked in the subject. Prepare your subject especially basics. 3. Bank Terms: If you are going for bank interviews basic banking knowledge is necessary. The following basic banking terms will help the candidate. 4. GK: Be thorough with current affairs from past three months. Recent awards, Major issues, Sports related questions, State Governors and Chief ministers, Countries, Capitals, Currencies etc..,. 5. Computers: Be thorough with basic computer terminology. Example: What is DOS, What is WWW, What is LAN, etc.., If you have any certificate, it will be an added advantage to the candidate. 1. What is bank? Ans. Bank is financial institution which accepts deposits from the public for the purpose of lending. 2. Types of banks? Ans. Nationalized banks Private Banks Foreign banks Regional rural banks2 Co-operative banks Industrial banks etc.., 3. What is a nationalized bank? Banks which are owned and run by government of India are called as nationalized banks. Example: Canara bank, syndicate bank, Vijaya bank, etc.., There are total 20 nationalized banks. State bank of India has got 7 subsidiaries they are State bank of Hyderabad, State bank of Mysore, State bank of Travancore, State bank of Indore, State bank of Sourashtra, State bank of Bikaner, state bank of Jaipur. 4. When banks are nationalized? Ans. In 1969 : 14 banks were nationalized. In 1980: 6 banks were nationalized. 5. What is a Private bank? Ans. Banks which are owned and run by individuals are called private banks. Example: karnataka bank, karurvysya bank, lakshmivilas bank etc.., 6. What are foreign banks? Ans. Banks which are foreign originated [based] are called foreign banks Example: Citi bank, YES bank etc.., 7. What is RBI [Reserve Bank of India], when it is established and what are its functions? Ans: RBI established in 1935, its head office in Mumbai. Present Governor of RBI D. Subba Rao. Its functions:

1. Issues currency notes 2. Acts as bankers bank 3. Maintains foreign exchange reserves 4. Maintains CRR and SLR3 RBI is also called as "bankers bank", because all banks will have a/c's with RBI. It provides funds to all banks hence it is called as BANKERS BANK. 8. What is RRB'S (regional rural banks)? Ans. Main purpose of RRBs is to improve banking habit in rural areas and save formers from money lenders. RRBs works under supervision of NABARD (National Bank for Agriculture and Rural Development). NABARD head office is at MUMBAI. Example of RRB'S: Pragathi grameena bank, Rayalaseema grameena bank etc. Every grameena bank is soponsered by a nationalised bank. Example: Pragathi grameena bank is sponsored by "Canara bank". Share capital in RRBs: Central government: 50% Sponsored bank: 35% State government: 15% 9.What are co-operative banks? Ans. The main purpose of co-operative banks is to co-operate small scale industries, and to provide small loans. Example: Bellary dist co-op bank etc. 10. What are industrial banks? Ans. The main purpose of industrial banks is to provide big loans to large scale industries. Examples: IDBI bank, Industrial bank of India etc.., 11. Types of accounts in banks? Ans. Savings bank account [SB a/c]: The main purpose of SB a/c is to encourage small savings from the public. Interest paid on SB a/c is 3 percent. Any individual can open SB a/c. An Indian residing at abroad can open a NRI a/c. NRI represents non-resident Indians. 4 Current account: Its a running and active account. No interest is paid on current a/c. Current accounts can be opened on firm names. Even individuals can also open current a/cs. But on firm names you cannot open SB a/c. Fixed Deposit account: Amount is kept for a fixed period. Higher rate of interest will be paid on this a/c. Recurring deposit [RD a/c]: A fixed amount can be deposited in monthly installments. Interest rate is same as fixed deposits. 12. What is Cheque? Ans. Cheque is a negotiable instrument containing conditional order to pay sum of money to the person mentioned on it or to the bearer of the instrument .13. What is crossing? Ans. Two parallel lines drawn on the top left corner of the cheque. 14. What is account payee cheque? Ans. Account payee cheques can be routed only through accounts. 15. What is a post dated cheque? Ans. The date on the cheque beyond todays date then cheque becomes post dated. 16. What is stale cheque? Ans. Cheque is valid for six months. If the date on the cheque is before six months, then the cheque becomes stale cheque. 17. What is a mutilated cheque? Ans. It is a damaged cheque. 18. What is At Par cheque? Ans. It is payable anywhere in India. 19. What is Multi city cheque? Ans. A cheque which is payable in any branch of a particular bank. 20. What is Repo rate? Ans. The rate at which RBI lends money to other banks.5 Present repo rate 7.25 percentage. 21. What is Reverse Repo rate? Ans. The rate at which RBI pays interest to the banks. Present Reverse Repo rate 6.25 percentage. 22. Which bank is called as Central bank? Ans. RBI is also called as Central bank. 23. What is Internet banking? Ans. Banking through internet. 24. What is Inflation? Ans. It is a state where money looses the value hence prices will go up (or) Decreasing the value of money. 25. What is Deflation? Ans. It is opposite to inflation. Money will have more value. Here the products looses the value. 26. What is Debit cum ATM card? Ans. The customer can deposit and withdraw cash by means of magnetic ATM card. 27. What is ATM? Ans. Automatic Teller Machine. 28. What is PLR and BPLR? Ans. PLR - Prime Lending Rate. BPLR - Basic Prime Lending Rate. 29. What is Credit card? Ans. Credit card is a plastic instrument that can be used for the purchase of goods and services. You can buy the services and then pay the cash to the bank. Limits will be fixed based on the net worth of the customer. Leading credit cards: VISA, MASTER.6 30. What is an NRI a/c? Ans. NRI stands for Non Resident Indian. An Indian who is residing in abroad can open an SB a/c in Indian banks. These accounts are called NRI a/cs. 31. What is CRR and SLR? Ans. CRR: Cash Reserve Ratio It is the ratio of physical cash that every bank has to keep with RBI. SLR: Statutory Liquidity Ratio It is the ratio of liquid assets that every bank has to keep with RBI. 32. What is RTGS and NEFT? Ans. RTGS: Real Time Gross Settlement. NEFT: National Electronic Fund Transfer. These two are the two methods through which funds can be transferred from one bank to another bank. 33. What is NPA? Ans. NPA: Non Performing Asset: When a loan becomes bad then it becomes NPA. 34. What is online banking?

Ans. Nothing but any where banking. A customer can operate his account from any branch of a particular bank. Know about the bank for which you are attending the interview Some general questions: 1. Why do you choose banking as your career? 2. Are you ready to work in rural place? 3. What are your strengths and weaknesses? 4. Ten years down the line where would you see yourself? 5. Do you read news paper? What is todays news? 6. Why should we give this job to you? Q. What do you mean by Capital adequacy ratio? CRAR is the acronym for capital to risk weighted assets ratio, a standard metric to measure balance sheet strength of banks. BASEL I and BASEL II are global capital adequacy rules that prescribe a minimum amount of capital a bank has to hold given the size of its risk weighted assets. The old rules mandate banks to back every Rs. 100 of commercial loans with Rs. 9 of capital irrespective of the nature of these loans. The new rules suggest the amount of capital needed depends on the credit rating of the customer. Q: What are Banking Codes and Standards Board of India BCSBI? BCSBI is an independent and autonomous body set up by RBI to ensure that comprehensive code of conduct for fair treatment of customers was evolved and adhered to. In substance the board h as been set up to ensure that the common consumer of banking services is in no way in a disadvantageous position and really gets what he has been promised by the banks. Member banks of the board have voluntarily agreed to abide by the provisions enumerated in the codes which have been drawn up for the benefit of customers. These are: Code of Banks Commitment to Customers, and Code of Banks Commitment to Micro and Small Enterprises. Q. Who is a Banking Ombudsman? An independent dispute resolution authority provided by RBI to deal with disputes that bank customers have with their respective banks. The authority is to be approached after the customer fails to get his grievance resolved from the concerned bank in terms of the grievance redressal mechanism. Q. What is meant by nomination facility for bank accounts? Nomination in bank accounts prevents harassment and facilitates the bank to make payment to the nominee of a deceased depositor, of the amount standing to the credit of the depositor without the need for producing succession certificate and completion of other legal formalities as required to determine the legal heirs. Q. What is Plastic Money? With the increasing use of credit, debit cards for withdrawal of cash from ATMs, the use of the term plastic money is common. These cards being of plastic facilitating availability of cash or money to the card holder, have come to be referred commonly as plastic money. Q:Give some examples of Functions of Finance? Determination of the financial requirements of the firm, obtaining necessary finance from the necessary sources at minimum possible cost & allocation of finance in different assets. In simple terms the finance functions are raising of funds, planning for funds and allocation & control of funds. Q: What is Lead Bank Scheme? Lead bank scheme was introduced around 40 years ago and recently it was in the news as a high level committee chaired by RBI Deputy Governor Usha Thorat was constituted to review and revitalize this scheme. The scheme aims at facilitating credit delivery to the farfetched areas of India. There are members of the committee from NABARD and SIDBI. Thus the scheme focuses upon financial inclusion. The Opinion of this committee is that full financial inclusion is possible only if it makes a facility of opening of no frill accounts backed by other specialized services. Q. What are Nostro & Vostro Accounts ? A nostro account is maintained by an Indian Bank in the foreign countries for a facility of easy clearing of their transactions. For instance, if the bank pays a demand drawn on it by its correspondent bank, there is no delay because the foreign corresponded bank would already have credited the nostro account of the paying bank while issuing the demand draft. A vostro account is maintained by a foreign bank in India with their corresponding bank. Q:. What is Black Money ? Black Money is the unaccounted money concealed from the tax authorities. The black money runs a parallel economy adversely affecting the distribution of wealth & income in the economy. The total amount of black money globally is estimated between $2.1 and 2.5 trillion. This is roughly about seven percent of the worlds GDP. Q. What is a Black Market? A black market is an illegal market, in which something is bought and sold outside of official government-sanctioned channels. Black markets tend to arise when a government tries to fix a price without itself providing all of the necessary supply or demand. Black markets in foreign exchange almost always exist when there are exchange controls Q:What is a direct Tax? A direct tax is that which is paid directly by someone to taxing authority. Income tax and property tax are examples of direct tax. They are not shifted to somebody else. Q. What is an Indirect Tax? This type of tax is not paid by someone directly to the authorities and it is actually passed on to the other in the form of increased cost. They are levied on goods and services produced or purchased. Excise tax, Sales tax, VAT are indirect taxes. Q:What is CRR Rate in India? Cash reserve Ratio (CRR) is the amount of funds that the banks have to keep with RBI. If RBI decides to increase the percent of this, the available amount with the banks comes down. RBI is using this method (increase of CRR rate), to drain out the excessive money from the BANKS Q:Monetary Policy ? The actions taken by Reserve Bank of India, which is the monetary authority, to control the economy is collectively called Monetary Policy. Time to time RBI makes changes in the various rates like CRR, Repo Rate, Reverse Repo Rate, SLR etc. to maintain the supply of money that is liquidity in the system. Q:Custom Duty ? The custom duty in India is regulated by Customs Act of 1962. This duty is imposed on the imported and exported goods in the country. This duty is one of the most important duty because it hampers illegal import and export of goods Q:Excise Duty ? According to Central Excise act 1944 and the Central Excise Tariff Act 1985, every manufacturer of the goods in the country has to pay Excise duty. Most of the products attract 16% excise duty But in case of some products it more than that. Q:What is Service Tax? Service tax is tax paid on the services provided in the country. According to Finance Act 1994, all service provider of the country except in the Jammu and Kashmir have to pay service tax. This tax comes under Indirect Tax. Currently 10% tax is surcharged as service tax. Q:Direct Taxes ? As the name suggests Direct tax means the tax which is directly paid to the government by individuals and the companies. Ex: Corporate Tax, Personal Income Tax, Securities Transaction Tax, Banking Cash Transaction Tax, and the Fringe Benefit Tax Q:Indirect Taxes ?

As the name suggests Indirect Taxes are those taxes which are paid indirectly to government by the individuals or the companies. Ex: Sales Tax, Service Tax, Custom and Excise Duties, VAT and Anti-Dumping Duties SLR is used to control inflation and propel growth. Through SLR rate tuning the money supply in the system can be controlled efficiently Q:What is a Bank rate ? The interest rate charged by a central bank to commercial banks for very short term loans. Q:What is Balance on current account ? A country's receipts minus payments for current account transactions. Equals the balance of trade plus net inflows of transfer payments Q:What is Balance of Payments? A list, or accounting, of all of a country's international transactions for a given time period, usually one year. Payments into the country (receipts) are entered as positive numbers, called credits; payments out of the country (payments) are entered as negative numbers called debits. A single number summarizing all of a country's international transactions: the balance of payments surplus 1 .What is Subsidy? A subsidy is a form of financial assistance paid to a business or economic sector. Most subsidies are made by the government to producers or distributors in an industry to prevent the decline of that industry or an increase in the prices of its products or to encourage it to hire more labor. 2 What is Open Market operations(OMO)? The buying and selling of government securities in the open market in order to expand or contract the amount of money in the banking system by RBI. Open market operations are the principal tools of monetary policy. 3. What is Micro Credit? It is a term used to extend small loans to very poor people for selfemployment projects that generate income, allowing them to care for themselves and their families. 4. What is Liquidity Adjustment Facility(LAF)? A tool used in monetary policy that allows banks to borrow money through repurchase agreements. This arrangement allows banks to respond to liquidity pressures and is used by governments to assure basic stability in the financial markets. 5.What is RTGS System? The acronym RTGS stands for Real Time Gross Settlement. RTGS system is a funds transfer mechanism where transfer of money takes place from one bank to another on a real time and on gross basis. This is the fastest possible money transfer system through the banking channel. Settlement in real time means payment transaction is not subjected to any waiting period. The transactions are settled as soon as they are processed. Gross settlement means the transaction is settled on one to one basis without bunching with any other transaction. 6.What is Wholesale Price Index(WPI)? The Wholesale Price Index (WPI) is the index used to measure the changes in the average price level of goods traded in wholesale market. A total of 435 commodity prices make up the index. It is available on a weekly basis. It is generally taken as an indicator of the inflation rate in the Indian economy. The Indian Wholesale Price Index (WPI) was first published in 1902, and was used by policy makers until it was replaced by the Producer Price Index (PPI) in 1978. 7. What is Consumer price Index(CPI)? It is a measure estimating the average price of consumer goods and services purchased by households. Ashish Sharma I ENTERED THE INTERVIEW with a good morning wish to all the interviewers. Good Morning Madam. Good Morning Sirs (looking at all 3 males and wishing them together). They were a panel of 4 Bank Managers. They told me to take my seat and the interview went as followsQ.1 Hello, Introduce yourself briefly? A 1 My name is Ashish Sharma from Chandigarh. I am pursuing B.Com III year from SD College, Chandigarh. Q.2 What are your hobbies? A 2 My hobbies are Playing Cricket & Singing Songs. Q.3 What kind of song do you sing? A 3 I like Bollywood songs & Indianpop. Q.4 What were your Subjects last year? A 4 Sir, I studied Cost Accounting, Corporate Accounting etc. Q.5 OK, Tell me, what is cost? A 5 Cost is basically study of costs in manufacturing industry, like various aspects of costs are studied & each element is individually shown which a part of cost of product becomes. Q.6 Have you studied about FIFO & LIFO? A 6 FIFO basically is a method of recording stocks in Books. It states first in & first out, i.e. the stock which was stored in warehouses first those are to be withdrawn first, where as LIFO is just opposite LAST IN FIRST OUT i.e. the stock recently added to warehouse will be withdrawn first. Q.7 What is basic difference between debit card & credit card? A 7 Sir, you can withdraw amount in excess of your account balance with credit cards but debit card limits your withdrawal to extent of your account balance. Q.8 Tell me about your family? A 8 I live with my mother. My brother is living abroad & my sister is working in Axis Bank in Delhi. Q.9 You have scored so well in exam & studying in best college of Chandigarh. Dont waste your talent, go for MBA. A 9 Sir, Banking sector is fastest growing and will provide me with a lot of learning opportunities. Moreover it is a respectable job. I would love to be a part of Indias fastest growing sector & I can use my intelligence in my future & benefit of bank. Q.10 You said you are living alone with your mother. So if you are posted away from your home, how will you manage? A 10 Sir, as such there is no problem, my mother only insisted me to go for banking sector & she will be happy if I work in this sector & our society is very safe. I can come home on weekends. Q.11 Do you study news paper? A 11 Yes Sir. I study Times of India Q.12 Recently, which country honored Mrs. Indira Gandhi recently? A 12 Sir, Bangladesh, for active participation in its Independence. Q.13 Is your mother okay with your job? Have you asked for her consent? A 13 Yes Sir. She also wants me to work and become independent. place- boi jaipur

date- 2/4/12 score-175 obc edu.qul.- ba & ma 1- introduce urself 2 graduation sub & ma sub.and % 3 where do u belong and famous for ? 4 do u attempt ubi interview 5 why not giving interview .given the detail of cause .diff btwn creamy layer and non creamy layer ..diff btwn psb and private sector bank did u want work for private bank ..they give u more money and giving home state.. if I gave u posting in north east 200 km from asam did u join. ..why u join boi. .what is balance sheet. .we have commerce student and u r arts and dont know much about commerce why we select u... .what is budget.. budget provision for bank... what is unique... how it works and feature... why gov..implement it ... is psb better than private sector or not.. tell 5 romantic poet .. tell 5 plays of Shakespeare tell 5 poem of words worth.. t.s.eliot poem.... why English lit..u consider... ur sub is far away from banking than why I chosse u... what is ur hobbies...wht is boi stands for.. what is nabard and main function and other function... rbi monetary policy rbi main function... detail of one function... total branch in ur district and where is latest... what is present political problem... why is lokpal.... do u in favour of lokpal...tell us merit or demirt... boi anyone scheme do u know...whats is feature... boi branches and employs.. where these employ getting salary and source of bank income.. bank other function... why gov..establish bank.. bank main function.. what is SUD.. selling one sud policy to our chairman sir ...only in English.... ..interview duration 20 min.... They were a panel of 4 Bank Managers. They told me to take my seat and the interview went as follows- Following is my interview you may edit it accordingly. Q: What should i ask you? A: Anything from my current job or my previous job or my personal life Q: Did you ask the person who just gave the interview about the questions asked by the panel A: No sir Q: Why? Aren't u curious enough? A: I believe that every individual is different and the panel asks different questions from every one and moreover it is important to come fr an interview with an open mind. Q: What is the importance of branding in marketing? A: Through branding we try to create an image in the mind of the consumer of what the bank is and what it strives to become. Q: What does the brand bank of India conveys? A: The tag line "relationship beyond banking" focuses on relationship building which is so very important. it says banking is just a part ultimate objective is to build long term relations with customer via customer delight. Q: What is your role in bank of Baroda? A: I am taking care of loans and advances. Q: What is the rate of interest charged by your bank? A: Its 15.50 for personal loans which i am dealing right now. Q: What did u learn while working with icici lombard A: 2 thing of all one is commitment the other is relationship building Q: What if you commit wrongly and your company does not approve of it? A: Commitment should always be done within the policy guidelines of the company. Q: What is current asset ratio and debt equity ratio? A: The ratio of current assets to current liabilities is current ratio and the ratio between owned and borrowed capital is debt equity ratio. Q: You already have a good job why do u want to leave it? A: This is a opportunity that i have right now where i would be directly working as a scale 2 marketing executive where i would be able to fully utilize my marketing skills that i have acquired over the last few years Q: Where do you you see yourself in next few years in bank of india? A: In next 7 to 8 years i see myself working at senior management level scale 4. Q: And after that?

A: Than ill make my goals according to my circumstances as in banking one can go as high as he wants to. Q: What is the difference between bank of Baroda and bank of India A: What i have seen in my three months with bank of Baroda i that it is very aggressively into marketing and sales which it gives competitive edge over other banks. Q: What is the reason despite having such a good name "bank of india" and larger no. of branches, ranking wise we are behind bank of baroda? A: As i said earlier BOB has its competitive advantage in marketing and sales which could be one of the reasons. Than the said good luck smit god bless you. Interview for the post of IT Officer UCO bank. Date: 22/02/2012 Venue:Delhi I entered the room. Me:Good morning to you all. Members: good morning. were 4 members on the board.3 male and a lady officer(HR) . M2: pls seat Mr. Shivam Me: Thank you sir. M2: Shivam tell me something about your college in 2 minutes. Me: sir my college name is ..............sound infrastructure,library but at present the members in the committee are not concerned about placements........ M2: ok than why did you took admission in that college? you should have asked someone to guide you ? Me: sir i passed my 12th in Maths+Biology. i prepared for medical exams but couldn't qualify. and in the same year i also gave engineering entrance exam. i was left with two choices either to go for Dental course(BDS) or engineering(BE). at that time i thought engineering will be a better option for me.as it will provide me with lots of opportunity to work in different sector.and i think i was correct as i am sitting for a bank officer interview. and in such case a college repo was not an important issue for me.i took admission in that college on self belief.that i will do something on my own. but that college is a money crunchier and fraudester for those who desires for a job from campus placements. M2: ok M2:your 10th,12th class scores are very good.but college score is good but not upto the level of your school percentages. ok tell me what are IT products used by banks ? Me:sir mainly internet banking,mobile banking,ATMs and Debit & Credit cards. M2:what is a smart card? Me: smart card is used now a days in post office.they are coming up with a card for cash withdrawls to find an alternative to queue managing for withdrawls.. M2: anything more about smart cards? Me: no sir.this is all what i know about smart card. M2: Mr.Jaiswal smart card is also used in general for a card with all basic information about a person like place of birth,blood group etc..any examples?? Me: yes sir like a license card. and also Adhaar card. M2: yes. kind of... Adhaar card's future has no adhaar.(this was a joke. M2 was basically a very nice and cool person) M2: Shivam do you visit our site??? Me: sir not a regular visit.but ya because i was waiting for my result i used to visit it gaps. M2:what do you know about our banks? Me: sir UCO bank was established in 1943.it's HQ is in Kolkata.Shri Arun Kaul is it's CMD.and Shri Badrinarayanan and S.Chandrashekharan is it's CEO. it has 2000+ branches. M2: why should we take you? Me:( i answered it in my way. I think different people will answer it differently.) M3: Mr. Jaiswal what are the different layers of OSI model? Me: sir there are seven layers of OSI model. they are physical layer,data link layer,network layer,transport layer,session layer,presentation layer,application layer..from bottom to top.. M3: what is ASP.net? Me:sir ASP stands for Active server pages.it's a technology.and .net is a framework.they are used to create webpages. M3: you worked on ASP.net? Me: not much but for my minor project..Marksheet Generator. M3:can you tell me the logic to find the prime numbers between a given range? Me: no sir.. M3: you don't no dbms.how you will work than? Me: sir i will learn it. M3: ok M1:Shivam what are the functions of RBI? Me:sir RBI is a banker to a bank. it sets up the monetary policy for banks and regulates the amount of money in the economy through it's policy rates( repo,reverse repo and crr). it controls liquidity in the economy. M1:what is a nationalised bank than? Me: sir a nationalised bank is a financial institution which is a banker to a an individual or a company. M1:what does a nationalised bank do? Me:they provide banking solution to an individual or a company like internet banking,mobile banking,investment banking,merchant banking etc.. provides various account facility to fulfill requirements.(saving,current,recurring,fixed) M4:what is a good customer service? Me:mam a good customer service is to satisfy a customer query to the best of my knowledge.if i can resolve his/her doubts and can ad value to that than its a good customer service according to me. M4: are you ready to work in a rural area? Me: yes mam. M1: shivam what are your hobbies? Me: sir playing chess,cricket. reading motivational books,facebook chatting,learning new words. M1: ok Shivam you may leave now. The board was really cordial.they were there to take out the best in you. Best of luck..

Shivam jaiswal Marketing Officer Scale I (Bank of India) Q: Ok Rohit, as you belong to Himachal Pradesh, tell me the qualities of people of H.P.? A: They are simple, honest and hard working. Q: Why did you shift from Tourism & Airlines Management to MBA in Banking & Insurance? A: I wanted to upgrade my education so I thought MBA will be the best option for me. As I have interest in Banking, so I chose Banking & Insurance. Q: These days some Airlines are going through a rough time, what is the reason? A: I dont know much about it just this that Kingfisher Airlines has 10,000 corers of debt & is still asking for loans. Most of its pilots have already switched the job. Q: What is the difference between Banking & Insurance? A: In banking you deposit money and have different account like CA/SA and in insurance it is basically - hedging your risk. Q: Why Insurance Companies and Banks are joining hands? A: Because it cuts the labour cost for Insurance companies. Banks employees can acts as a sales agent and can do the direct selling. Q: What will be your job profile as Marketing Executive? A: Ill be selling the Mutual Funds, Insurance, Demat Account and CA/SA. Q: What is Financial Inclusion? A: It means to include the low income segment with Banking Industry. Opening of Rural Branches etc. Q: Do you have bank account? What documents were needed to open that account? A: Yes, I have account in SBI. Resident proof and identification card is required for opening the Bank Account. Q: Do PAN Cards have residence address? A: No, it just have Name and the 16 digit number. Q: How your MBA will help us? A: I have learnt Public Dealing, Communication skills, Presentation Skills Ashutosh Sharma Marketing Officer Scale II (Bank of India) Q: Why did you choose Marketing as your Subject in MBA? A: Marketing is a business philosophy and important function of management. It covers all the aspect of managing a product starting from creating, communicating and providing value to the customer. It includes and revolves around 4 Ps. Q: Tell me something about Bank of India? A: Bank of India started in 1906. It is the first Bank to open its branch outside India in 1946. It is member of SWIFT. It is First among 19 Nationalized Banks to get best service award by Neilsen Survey. Its CMD is Mr. Alok Kumar Mishra Q: What is Financial Inclusion? A: Financial Inclusion means providing affordable services to the under privileged people and creating awareness among them about Banking. Q: Why Banking? A: It is one of the fastest growing sectors. It offers a lot of Learning & Growth opportunities. It provides Social Recognition & it s a good status job. Q: What is Bank Marketing? A: Bank Marketing is to build a brand and its products. It includes Cross Selling of Insurance, Demat A/C etc. Q: Tell me about your previous job? Why did you leave that job? A: I worked as a Store Manager in Reliance Retail. I left my job because I wanted to join Banking sector as there are lot of opportunities to grow in future. Q: What was your function as a Store Manager in previous job? A: My Job profile in Reliance include Managing stores, Managing staff, Following SOP. Q: Tell me about your Family Background? A: My Father is a Retd. Distt. Manager from PUNSUP & my mother is Principal in Primary School. Q: Who is your Idol? A: My idol is Mr. Alok Kumar Mishra (CMD of Bank of India). As he started his career as PO and reached to the CMD position. I would also try to follow his footsteps. Q. What is Tagline of Bank of India? A: It is Relationship beyond Banking Q 1 Tell me something about yourself? A 1 My name is Neelam Singla from Chandigarh. I am B.Sc. graduate with 75% marks. After that I did MBA with 60%. Q 2 After B. Sc Math with 75% why you did not opt for M. Sc Math? A 2 Sir I have interest in Management, so i opted for MBA. Moreover i have good managerial and leadership skills. Q 3 From where you completed your MBA? A 3 I have completed my PGDM (in Marketing) + MCA (Marketing of Computer mgt) from Singhbad Institute of Management, Pune. Q 4 Have you completed your PG in distance education? A 4 No, this was my regular course. Q 5 How many P are there in Marketing? A 5 4 Ps Product, Place, Price, Promotion + 3 Extended Ps for Services i.e. People, Process, Physical Evidence. Q 6 Any particular subject which you have interest in? A 6 Yes sir I have interest in International Politics. Q 7 Ok, What is EU? A 7 EU is the name given to European Union. It is a union of 27 independent member states which are located in Europe. Its Currency is Euros. Q 8 What is SAARC? A 8 SAARC South Asian Association for Regional Coopeartion. It came into being in 1985. It has 8 member nations. Q 9 What is Euro currency? A 9 Euro is the currency of Euro Zone. Out of 27 EU members, only 17 have Euros as their currency. It is the second largest Reserve Currency. Q 10 What is currency of US, UK, Britain? A 10 The currency of US is US Dollar, UK and Britain is Pound Sterling, Q 11 What is currency of India, Nepal, Pakistan, China, Bhutan? A 11 The currency of India, Nepal, Pakistan is Rupee, Bhutan is Ngultrum, China is Yuan Renminbi. Q 12 Why do you want to go for Banking after doing MBA?

A 12 It is one of the fastest growing sector. I will get a lot of opportunities to grow and learn. Moreover it is a good status job. Q 13 How can you say that you will do better in Banking? A 13 Sir, I am hard working, dedicated, honest and adaptable person.Moreover I have good Communication Skills. Date: 12th january 2012, Hyderabad Exam for SBI PO posts was held in july 2011. It comprised of an objective paper comprising maths, english, logical reasoning and general knowledge. The written paper comprised of letter writing and precise writing. After a long wait of 7 months results were announced and I was shortlisted for interview. On 12th jan 11 AM I was called for interview to SBI Headquarters, hyderabad. I reached their campus around 10:30. It was a sprawling campus resembling a mini hitech city. A total of 18 people were called for interview. I had to wait for over two hours to get my document verified. After which, they provided us lunch coupons and asked us to have lunch at their officers mess. After a quick meal, we were taken to a conference hall for group discussion. Again we were made to wait for another 2 hours as interviewers were busy interviewing people from morning batch. The conference hall was huge with state of art equipments. All of us were provided with a table mic. It was more a test on public speaking than a group discussion, as the format allowed no scope for countering others points. Everyone were given 2 minutes to talk on topic in 1st round and another 1 minute to conclude in 2nd round. The topic given was villages in India are its strengths or weaknesses . I said villages were once a strength and now have become our weakness and gave a few suggestions to convert our weakness into stength. After group discussion, the interviews started I was number 4 on list and hence didnt have to wait for long . The interview board comprised of 4 old men. Unlike a traditional interview setting, this room had sofas on four corners of room and each was seated in one corner. I was made to sit on a chair in middle of the room. Chairman: Welcome . please sit down. Me: thank you sir Chairman: So you have completed your graduation in 2010. What were you doing since then? Me: I have been preparing for civil services Chairman: What is the status now? Me: I have written the mains and results are yet to be announced Chairman: good. So if you get through civil services, You would prefer it over this job Me: Yes Chairman: Did you write any other bank exams? Me: Yes I did. I managed to clear the exam for a couple of banks but I couldnt attend interview as they were too close to mains exam Chairman: Ok. Do you know about lothal? Me; Yes sir, it is a harappan site. It was an important port town Chairman: Name some harappan sites in India Me: Mohenjodaro Chairman: its not in India Me: sorry sir, its in pakistan. In India we have kalibangan, ranikhet Chairman: Tell me one more Me: I am not able to recollect now Chairman: Name the person who designed delhi Me: New delhi was designed by Lutyens Chairman: Ok . what about chandigarh, rock garden is there na? Me: I dont know. I have stayed in delhi so I have an idea about it Chairman: Ok. Name the tribes in meghalaya Me: Mishmi..gharo, khasi Chairman: There is one more without which answer is incomplete Me: I am not able to recollect not Chairman: Its jaintia Member 1: Can you give me technical definition of semi conductors? Me: I cant give technical definition but I can explain it M1: ok please explain Me: It is a material which has very low band gap and hence can be bridged easily and made conductive. So it can act as a conductor in certain circumstances M1: Can you tell me how much that band gap should be? Me: I dont remember M1: atleast resistivity Me; No sir M1: what about insulator? Me: I ddont remember the band gap range M1: Ok. Can you name a nobel prize winner who was born in almora? Me: hargobind khurana? M1: No. Me: Am sorry sir. I dont know M1: name some nobel prize winners from India Me: The latest was venkatraman Chairman: what venkatraman? Me: venkatraman ramakrishna Chairman: no no tell me proper name Me: I am not sure M2; What is this? You have cleared prelims. You should saying these takatak Me: sir the exam pattern has changed. It is more analytical and less bookish now Chairman: but still, this is general knowledge. You will be asked these in civilis interview as well Me: yes sir. I shall update myself in future M1: Ok any other nobel laureates form india Me: Amartya Sen M1: Pandit amartya sen? Me; No sir economist amartya sen M1: thats what. Pandit amartya sen Me: eh??

Chairman : what he meant was you must address him as Dr Amartya sen. He has accomplished so much Me: yes sir, he is professor emeritus, renowned economist M2: Who is Rajat gupta? Do you know him? Me: Yes sir. He is facing allegations of insider trading M2: who was he helping? Me: Rajaraman M2: raja..what Me: The srilankan Rajaratnam M2; Yes. name some rating agencies? Me: CRISIL, Moodys M2: in India Me: I only know about CRISIL in india M3: Who was responsible for green revolution in India? Me; M S swaminathan and Norman Borlaug M3: Ok. What about white revolution? Me: varghese Kurien M3: where? Me; at anand Chairman: Ok thanks you may go Me; I would like to thank you all for giving me this opportunity Chairman: Ok all the best The interview was for around 10 minutes. I left for home around 4 PM . It was more a quizzing session than an interview. I have a feeling they have struck me off as my priority is civil services. Hence they didnt ask anything related to banking or my background. Anyways lets hope for the best. The results are expected in a months time. Result: On 17th Feb 2012 results were out. Much to my surprise, i have been selected! Top 10 MISTAKES Which Candidates Do at an Interview MISTAKE No. 1 Timing Not reaching the interview venue on time This simply creates anxiety and nervousness and the half battle is lost even before the actual thing begins. MISTAKE No. 2 Not being dressed up properly (Dressing up for the interviews has been explained HERE). As I have wrote often that There is no second chance to make the first impression MISTAKE No. 3 Comfort Level Not being able to make yourself normal prior to entering the interview room. 48% of the candidates are feeling very thirsty or too hungry at this time so do remember to have a normal breakfast and carry a bottle of water with you. (Although you are supplied with snacks, water and lunch etc over there, but, if it is with you, you would be just ok). You cant expect to have a marvelous interview when your throat is simply dry. Secondly Looking at other candidates and comparing them to you is also something to be avoided. MISTAKE No. 4 Entry 70% of the candidates dont know about how to enter the interview room. Wait for the next post in which this aspect is going to be dealt in detail MISTAKE No. 5 Non Utilization of first 40 Seconds of the Interview Whether to hire or not to hire a candidate is decided normally in first 40 seconds of the interview only, rest is just a formality. Not being able to leave a mark in first 40 seconds, almost throws you out of the race. MISTAKE No. 6 Not being able to say I Dont Know Its not too hard to say I Dont know Interviewers are more experienced than you, hence be honest, instead of telling anything you are not sure of, its better to admit that you dont know. Remember To enter is human and to admit is Super Human MISTAKE No. 7 Trying to show knowledge by being too descriptive. Candidates think that if they are fully aware of the topic asked in question then they must show their knowledge to the interviewers. Or trying to show influence by answers like I am holding this degree from this college and my father is holding this position, my uncle is this my elder brother is this. If they have asked about you then be specific and dont open the Kundli of your family unless they have asked to do so. Its a wrong practice; no one is interested in your knowledge over there. That has already been proved at the written examination. Be as specific as you can. MISTAKE No. 8 Non Aware of how to deal with Blanks Blanks are the period of around a few seconds which may extend upto half a minute in which interviewers dont ask you anything but they are talking to each other. Your reaction at this time is of prime importance. Dont start looking at the room or dont start counting the number of lights or fans installed in the room. Be calm and cool. MISTAKE No. 9 Not being able to divert the interview in your strength areas. A majority of candidates are not able divert the flow of questions towards the areas of their strength. Thus they become an easy target and get nervous. Read here about answering to questions like Why do you want to choose banking as a career? Also, If you are holding a professional degree which is not related to banking, please also read, How to answer a career change here MISTAKE No. 10. No Finishing Touch Exactly like the first impression, this is also too much needed. Even if you are selected, you may seldom meet the interviewers again in your life, give a finishing touch to the interview, so that after you leave, they must discuss about your personality. Bank Name Allahabad bank Post PO Date 18/04/2012 Venue Mumbai Time 2:30 PM Panel- 3 Male, 1 Female May I come in sir..?? M1---- Yes, Mr Goyal..come in Gud afternoon Mam, Gud afternoon to all sirs M1,M2----- Gud afternoon take yr sheet Thanks sir M1---So Introduce yr self (I start to talk & they all start to read my bio-data) Sir..as I have written in My bio-data, My name is Saurabh Goyal..Basically I am from UP but born & bought up in Gujarat.I have done BTech In Agriculture Engineering & working with Netafim Irrigation company M1Ohh u r working (Then he checked 2nd page of biodata) Me continue Sir, I am straight forward person & always try to take the things in on the way so that they can go on most composed way..I feel life is all about how u think positive as positive outlook always shape yr character at all aspects of your lifeI always try to make be better..always try to learn new things..and as a result of which I m here in front of you..attending biggest interview of my life??? Madam--- ohh..u mean bigger then UBI?

Me---- yes that was also big interview..but this bank is really special for me as two of my child hood friends already working in this bank.. M2---oh in this bank?? Meyes sir M1-----Why banking? U r already working since 4 years.. Me----Actually sir, Banking is one of the most booming industries.. The corporate level exposure, promotion scopes & growth opportunities what ever I will get in this organization, I dont think so I wil get in my current job.. M1----But u r wasting the money of government..u r BTechU already working in your fieldthen why u r coming in bank.. Me--- sir, but promotion scopes is also imp for me M2--- tell that u require agovt job..thats why u r here Meyes sir..its also right.. M1--- U can start your own industry MeSirstarting of new industry is not a single handed worku require a team & big finance as well M2--- but u r wasting money of government.how u would be helpful for us..We require Commercial fellowsHume bank me koi drip irrigation nhi karvani.hahaha Me--- sir..This is really dream job for mr M2there are so many persons for which this is dream job Me----I am also helpful for banking M1----Achha..how? MeSir.. I have technical knowledge..and to verify the corporate applied loans, technical knowledge require.. knowledge require.. M1--- Achha.U mean ..corporate loans ke liye technical knowledge chahiye..achaa aaisa hai.. Chal..I am giving u a case right now.lets think a textile industry has come for laon?? Now what u will check?? Me------SirWhatever machines they want to purchase..whether they require Or not.. M1---- No..No..give me pure technical answer..u r sound in technical knowledge naagive pure technical answer.what r the main parts of factory Me---sir production house M1--- what production house..?? Tell me the name of machines.which machines required?? Me--- Now I confused .& told drill machine ( Why dont knowmunh me aa gaya aur nikal gaya..) M1--- drill machine.hahahahahahaha. Ok..ok..hahahhahaha M1--- U have lots of options..like pesticides, tractor etc..etc.. MeSirPesticide companies require BSC Agriculture..they never hire BTech fellows There are so many scopes available for Mechanical, Electrical & IT engineers..as each & every organization require these..But I have to accept that for Agriculture engineer there are only two fields..one is Irrigation & second is tractor M2---- But Tractor is very big field Me--- yes sir.. Madam--- But u have done BTechu may have at least some vision for that.. Me---- Actually Mamwhen I was in 12th ..at that time I wanted to be doctor..want to go in medical line..but I didnt get enough marks to get admission.then I took admission in Btech...b/z this was locally available course & I knew that I will get atleast some job after completion of BTech M2Ok..then u get Pvt job..ok. So why u didnt go for MTech? Me--- B/z sir I require to do job to support my family M2Ok then u applied for any scholarship during Btech MeNo M2Why..there is gud scholarship available for from ICAR.. MeI didnt have knowledge about that at that time sir..Also I was on free sheetand fee was only 3000 per semester M2Thats why we r telling that you are wasting money of government.. ( Hadd ho gayee yaar) M1 to Madam--- Madam any question..? Madam-- No..jane do M1Ok..so u may go now..All the best MeThank you sir My IBPS Score is 169..category general..same question for you friends as usual.. MY CHANCES???? Canara bank interview : 21 Apr 2012 , time - 12:30 pm documents checking last for 2 hours den gd, topic ws - should all the schools strictly follow english medium? den interview: 4 persons in the panel. all male! may i come in sir yes sure , sit down pls! me : thank you sir! 1. tell me about yourself (told , ws prepared) 2. tell me functions of rbi : issues currency note, regulate monitory policy, banker to bankers and banker to government! 3. source of income for the bank? me : interest rates on loan is the main source of income and also service charges! 4. service charges like? me : like charges on transactions! 5. any other source of income? me : sorry sir, i dont know (he smiled) 6. when was the canara bank nationalised, who was the prime minister then? me : in 1969, mrs indira gandhi ws pm then 7. whats the need of nationalisation? me : before nationalisation banks was only for upper sections of society but now it is possible for a common man to avail its benefits! 8. you have done physics, what is newtons law of motion? i told two out of three laws! 9. third law? me : sorry sir, i donot remember , i studies them 3 years back, i dont remember that much! 10. i studied 30 years back but i still remember! (and he smiled, then i smiled too) 11. what is a balance sheet and what are the liabilities and assets of the bank? told correctly! 12. name any 3 noble prize winners of india! told only one (rabindra nath tagore)

13. first three pm of india? first ws pt jawahar lal nehru and second was lal bahadur shastri , 3rd i dont know! and i smiled! 3 persons smiled too, one was staring at me and dint smiled! they offerd me a toffee, and said me to leave! i said thank you and came out of the room! My BANK OF INDIA interview. Venue Ahmedabad.. 4 members in the panelall were males There was LCD on the wall which was ON during interviewbut in silent mode.NDTV profit dekh rahe the wocandidate ki back side par LCD tha M3 what is the meaning of your name? Ans- Smell M3 Sugandh (Hindi me) M2 Then what about Saurav Ganguly AnsSir..its different..Saurav means Sun , Surya & I m Saurabh M1---- Saurabh Goyalwhere r u from? AnsBasically I m from UP..but I born & bought up here in Gujarat M1---Where r u now? Ans --Junagadh M1---Ok ..What yr father do? AnsSir..He has a shop Then asked about shop & business M1 --- So u have done B techin which field? Ans---Agriculture Engg M1Ohh..technology Agril.. u hav completed in 2008 ..so..what u hav done then? AnsSir I am wrkg with Netafim Irrigation company as Executive Design Engineer.. M1--- okktell me something about your current job.. Ans(fir wohi story Syndicate wali)..I m working in Netafim which manufacture the components of drip system & also do the marketing of the same..I m design engineer..prepare the design, quotation & explain to our client .Subsidy also available 50% etc.etc.. M1ok..any other competitor . Ansyes sir 32 competitor in Guj M1--- how u face? AnsSir..we already doing well..we have 32% market share.. M1So..how u maintain that?? Aur koi company kam nhi karti?? Local companies hai kya? AnsNo sir..some r gud..John deere ..entered in Drip..Jain Irrigation is there..they r also doing well.. M1why u r getting gud business? AnsService sir.. M1which serviceafter sales service? Ansyes ..after sales service, Agronomy service ..we also do campaigning, farmer tour also publish the success story of existing customers etc..& also prices of all company r same .our quality is best M1 u r in job since 2009 AnsNo ..since 2008..got selected through campus..& after B Tech I m with this company M2--- see..u r working in this company since 4 years..all set..u r well settledstill u r here..means u r really serious about joining Me----yes sirI m serious about to join M2 Why u want to left..?? why banking? AnsSirpromotion opportunity which I will get here will never get in current job..this is the industry in which 1 can reach up M2--- How much salary r u getting? Ans2 lacs CTC ( Bachne ke liye jhooth bolanhi to jaan hi le lete..) M1u may also getting other expenses like car allowances etc.. (:P) M4---CTC hai 2lacs Meyes sir 2 lacs is cost to company M2---- So..what yr boss told u..when u decide to give this interview Ansno sir..i hav not told them M2laughing..& toldno ..this is cheating..u hav to inform thembaad me koi prbm aayee to..yeh galat baat haietc etc.bolata raha.. MeNo sirthere will be no prbm..i just have to give 1 month notice period M1who to hota hai hai.. M24lac kar diya to..? Menahi karenge sir..I know. Yahan tak thik thak raha Tsunami to ab aayee.. M2--- So..u reach here..u might have done very gud preparation & hard work..? what u prepared ? Me--- ( Muje doub laga..woh mujse current affairs sunana chahte the..kyunkipahele wale sabhi candidates ki current affairs puchh ke band bajayee thi) Me bola..sir I m an engineer..& engineer always have gud grip on Maths..I prepare well maths..& I also scored well in IBPS M3 See..bahut chhej aati hai..current affairs, computer.. Meyes..no.. Discussion chala.. Woh boletum samaj nhi rahe ho.hum kya puchh rahe hai.. M2Achha bolo..what is an agricultural engineering? Ansanswered M2tumhara technical back ground humare kya kaam aayegak\ Menhi sirkaam aa sakta hai.. M4---- naraj hokarThat we will decide kaam aayeg ya nhi..okk

Me--- chup ho gaya Aaisa chala..fir boletum nhi samaj rahe hohum kya puchh rahe hai Then M1 computer ke kaam me lag gaya..aur M2 phone parM3 puchh raha tha & me bol raha tha usme bhi disturb ho raha tha..:/ M3---ok..u may know computer Me--- yes sir..i know..i also work on Auto CAD,..& studied computer course..i know microsoft,etc.. M3Microsoft kya hai? MeSir its a software ( Muje kya hua ab yeh..) M3Microsoft company hai re..location MeHan sir..company hai (smiles)MS Word,EXCEL,POWER POINT, EXCESS yeh sab Microsoft ke software hai.. M35 hote hai..1 aur batao.. Me4 hi yaad hai.. M3Outlook .. Me---ohh yes sir..for emailing M3fir..achha excess kya karta hai. Me( Mar gaya)..sir excel,word,power point use karta hun..excess kabhi use nhi kiya.. nhi pata.. M3achha..current affairs me batao ,,,abhi USA se ek lady bihar aayee thi..kya mamla tha.. Menhi pata sir.. M3Microsoft ka HQ kahan hai? Me- USA M3---- city?? MeWashington M3r u sure? Me---- no..but USA pakka M3news paper padhte ho na.. Meyes sir.but only main points ..not in deep.. M3---ok koi bhi 3 current affairs batao.. MeOk sir1) V K Singhs letter to PM lick ho gaya 2) second related to cricket..pakistan won Asia cup..Bangladesh entered 1st time in fina 3) Citi bank survey says..India to be worlds no. economy by 2050 will defeat to china M3---hmmm & who will become no. 3 MeUSA sir M3---- ok tell me what will be the GDB in trillion? Mein 2050 India will have 83. Something trillion..china..80. something M3-- & USA?? Me38.65 trillion M3OK ..good Then M4--- Government has decided to give some fix amount as a loan to agriculture etc. Meyes sir..priority sector M4yes priority sector..how much % Mesir 40% of total allotted to priority sector & 22% of 40% to agriculture M4--- What is direct Agriculture & Indirect Agriculture? Me--- hmmm M4- have u listened ? M3Direct agriculture finance??? Medont know sir.. Then Ok,.u can go..All the best MeThan u sir..hav a nice day Name : Arun Raghav interview date:- 23 rd feb 2012 venue:- new Delhi bank:- uco bank post :- it officer in my panel there are four member 3 are male and 1 female; me: good morning to all of you. m2: good morning arun singh please sit down m2: so arun what are you doing from june 2011 me: sir maine be kiya hai computer science se m2: nahi tum samjhe nahi tumhara result june main aa gaya hoga jab se ab tak kya kar rahe ho (main hindi main jawab deta gaya) me: ok sir maine free lancing ka kaam kiya hai m2: kya tumne khud project bache hain me: yes sir m2: kitne ke bache hain total kitna mila hai me: sir main 3 project bache hain 80000 ke m2: kya tumne 80,000 ke bache hain phir tumhe is job ki kya jaroorat hai tum to thode saal baad ambani ya tata birla ban jaaoge me: sir isse mera kaam nahi chalta kyonki ye monthly salary nahi hai that why i am going to bank m2: ok to saare kam tum hi karte ho means marketing,programming,designing me: yes sir par ye bahut complex ho jata hai kyonki saare kam me khud hi karta hoon m2: kaise karte ho marketing hame kar ke batao puri cheej ek ek(wo log has rahe the) me:...........sir main phone par baat karta hoon and unhe patata hoon apna project bachne ke liye then unhe demo dikhata hoon m2: again to tum yahan kyon aa rahe ho me: sir banking sector mera faverote sector hai m2: ok tumne maths padha hai me: yes sir

m2: to tumhe kya pasand hai algebra,plane maths,or anything me: algebra and simple maths m2: to (a+b)3 ka formula suna me: a2+b2; no no sir sorry a3+b3+3ab(a+b) m2: are you sure me: yes sir m2: tum ise kaise solve karoge 2545214555 * 555854452145 with out pen and copy me : htoda socha or bola no sir nahi ho sakta m2: to kaun karega solve me: koi mathematician kar sakta hai m2: gusse main koi mathematician nahi sirf ek aadmi kar sakta hai india se kaun hai wo tumhe pata hai me: no sir m3: ab doosra bola jo computer ke baare main puch raha tha m3: ok arun tell me what is peer to peer communication and tell me three implementation method me: maine p2p bata diya par implementation method nahi aati thi to maine mana kar diya m3: ok ye jo cbse board hai isme aise kon se shabd hai jo banking main use hote hain me: cbs core banking system m3: what is cbs me.....maine bata diya m3: ek question solve kar ke dikhao and he gave me a copy and pencil or kaha logic gate design karo for multiplication me: and maine kar diya m3: good ab wo shant ho gaya and m4 gk pochne laga m4: lok sabha and rajya sabha ke baare main batao me: thoda bahut bata diya m4 : ok manmohan singh ke bare main batao me: wo hamare prime minister hain wo bhi ek achhe economist hain m4: or batao me: sorry sir mujhe gk jyada nahi aati m4: then he asked me ficci ka president kaun hai me: again maine kaha sorry sir mujhe gk jyada nahi aati ab wo shant ho kar aram se baith gaya lady says me m2: plastic money kya hoti hai me: atm card,debit card,credit card etc m2: tell me difference between credit card and debit card me:maine bata diya ab wo chup ho gayi and technical person doobara puchne laga m3: jdbc kya hai me: java database connectivity hai jisse language java connect hoti hai database se m3: kaunsa database use kiya hai tumne me: oracle m3: wo mujhse oracle ke baare main puchne laga me: maine approx saare jawab de diya main head: bola ki tu he technical ki achhi knowledge hai but gk wagehra bhi padha karo or thank you best of luck for your result me: thank you sir or maine room chod diya result : finally i am selected as a it officer in uco bank pnb PO interview 2011 me: May i come in sir n panel. p1 file mein dooba hua tha..p2 mujhe dekh raha tha, p3 chup tha, p4 was sardar uncle) p2: yes come in come in... me: good morning sir... (p1 still seeing in file and was away from rest of world) p4: plz have a seat... p2:mr xxx right. me: yes sir p2: tell me something about yourself me: sir i am.....(started) p1 p2 hearing it carefully p4 seeing me p2:xxx is ur mba of 3 year... (actually wanted to ask me why the gap of one year between be and mba) me: sir my mba is of 2 years and i have recently completed it....i have a gap of one year between graduation and pg p4:why was there a gap? OOPS me: sir i falled sick p4: okok p3:(finally bola to sahi)...u have done be in biotechnology and mba....hmmm??? me: yes sir i always want to do a government jobs(((face turned ...boring reply)))i quickly analyzed)) but i was not clear to enter banking field...but later on seeing a good career i can devlope in this I have done my mba in finance... p4:you can get a government job in biotech too..then why banking.. me:sir surely u are saying right but most of the jobs in biotech sectors is for phd candidates having 5 to 10 years of experience....there is no scope for b.e. candidate ...in govt jobs. p4:k... p2:what are main industries in rajasthan? me:cattle,dairy,gems, marbles,textiles.... p3: ganganagar kisne basya tha?

me: sir i do not have any idea... p3:why is bharatpur famous? me; sir i cant recall p2: yaar aap ko yaad nhi bharatpur have bird santury me:yes sir sir.sir we know very less about where we reside.. p4:what were your subjects in mba? (p1 abhi bhi khayalo mein gum) me: management of banks & financial institution, value merger and corporate control,commodity markets and derivatives,portfolio management and security analysis p2:what is corporate governance? me: sir in finance it means doing everything for increasing profit, risk control... p2:yaar ye to nhi hota... p4:what is csr (yaar koi ratio hota hai kya?) me:sorry sir(i have hesitated to answer) p2:so xxx what should we ask tou? me:sir you may ask me something about banking p4:yaar wo to aap padh k aaye ho(mba subjects they ask...one of subject was banking) p4:aur kuch... p2:what is corporate social responsibility me:(finallly kuch aata hai) sir corporate social responsibilty is used by companies to create a goodwill among customers...etc etc p3:is there any legal legislature about corporate social responsibility? me:sir i dont have any idea...but many organization going 4 csr for goodwill..etc.. p2:what is the amount above which income tax is charged on saving account? me:1 lakh p2:r u sure? me:not sure sir p4:have u seen any banner ad of pnb? me;yes sir p4: what u have seen in that? menb logo and tagline... p4:yaar logo to hoga hi...aur kya dekha ye hi dekha...?hum itna ad lagate hai paise lagate hai..it means no impact? me: sir ye hi dekha...aajkal bank innovative banking kar rahi hai....(yaar yaad nhi actually what i replied exactly) p2,p4k xxx.you may go (p4 makes ishara to p2) (he said naa..he not sure---p4 sid to p2) me:thankyousir,have a nice day p4:nice day nice day The documents verification was over by 10.00am.out of 11 candidates 8 were present for the interview. There were 5 members in the panel. 4 men and women. I get inside after taking permission. The first question was what is the meaning of your name? I answered that there is no such meaning for it and resemblance of the name of my brother was the reason for putting the name. Then the same person asked to tell about my parents and siblings. The third question, what is my hometown famous for? I answered as it as for cashew factory and coir factory. The same member asked me the names of the two famous bank coaching centres in my hometown and whether i studied there. i told the names of the institutes and said that i didn't studied there. Then the panel head asked me that are you that much confident? I replied that yes sir, i am confident. Then one other man from the panel asked the price of cashew nut? answered as 360/kg. Then he asked that how many factories are there in kollam? I said that i don't know the exact number of factories. by the time everybody in the panel were smiling. The same person again told the name of two persons and asked whether i know them. I said straightly that i don't know. Then he explained me who they are. I replied, thank you for the information. Suddenly one from the panel told that,'what is this'? Then the panel head smiled and replied that he is just doing his business. Then the panel head asked that do you know ratan tata? I replied that he is the former cmd of tata industries. Then he asked me the name of the low cost car they launched? nano. Then again he asked where was tata first planned to start the nano plant? replied with confidence as singur and that now it is in gujarat. Then he asked the reason for shifting of the plant? I told that it was due to problems created by the locals there. Then he asked the name of the one who led it? After thinking, i replied that i cant recall it. Then he told that why cant you recall the name of west Bengal chief minister mamata banerjee. The panel head told me thanks and left the room after saying thanks and have a nice day. Pleas e find below my interview experience at Union Bank of India. I hope it will help bank PO as pirants in s ome ways . My education : BE + MBA currently working as a PO in an S BI s pons ored RRB. Interview location : Mumbai Firs t thing to be noted is that UBI people were in has te to wind up all interviews . Mos t of the interviews held before mine hardly las ted for more than 5 minutes . In few cas es , they merely as ked candidates 'tell me about yours elf' and after getting ans wer, replied, "ok you may go now." My turn was at 12 pm and I reached the venue at 11:20 am. Document

verification proces s went on for few minutes and my turn came around 12:15 pm. I entered the room, there were three members . (1 of them was an IAS officer, as per other candidates ) ------------------------------------------------------------------------------------------------S o Mr.Jos hi, you're coming from Gujarat. Good. Pleas e have a s eat. Me : Yes S ir. I am from Gujarat. Thank you. One of the pers ons took my form in hand and as ked. S o Jos hi tell me, why have you taken up MBA Marketing after Engineering? Me : S ir when I was on the verge of completion of Engineering, I realized that if I purs ue pos t graduation in management after Engineering, it would help me in getting more divers ified job profiles and it would als o help me grow fas ter in my profes s ional life. Interviewer : Okay. But why did you opt for Marketing? Me : S ir, I have fair communication s kills and public dealing s kills . Als o Marketing is an ever green filed which helps you in almos t every s ector you work with. Therefore I chos e Marketing as my s pecialization in pos t graduation. Interviewer : Did you take up any as s ignments after Engineering? Come on, you mus t have got s ome good opportunities after Engineering. Me : S ir, I was very s ure about purs uing PG in Management. Therefore I focus ed on its entrance exams and did not go for technical jobs . Interviewer : But you've mentioned in your form that you've worked with a manufacturing firm. Me : S ir, I joined that job after MBA., not after BE. It was n't a technical job and I was into Marketing Communication department. Interviewer : Oh yes yes . S orry I mis unders tood. S o, what do you do at pres ent? Me : At pres ent, I have been working with S auras htra Gramin Bank, which is an RRB s pons ored by S tate Bank of India as a Probationary Officer. Interviewer : S o you're already a bank PO. S ince how long have you been working with RRB? Me : S ir, I have recently joined RRB. I am about to complete 2 months . Interviewer : S ince you are a PO s ince 2 months , you mus t be aware about how a bank works . I mean, its bas ic functions . Me : Yes S ir, I have tried to learn as much as pos s ible about bank's general functions in thes e two months Interviewer : But dear, you are already into JMGS S cale - 1. What is the rationale in joining UBI? Me : S ir as you know, RRBs are the extended arms of various nationalized banks . They dedicatedly work for agriculture financing and to accomplis h the vis ion of financial inclus ion.. They are good ins titutions to work with, but they have limited reach. Als o, every corporate entity is an as s imilation of the knowledge of all the people who work for it. S o the bigger this s ys tem, the bigger will be this knowledge bank and the better will be my chances for learning and growth. Als o, a nationalized bank can give me national expos ure which I cannot expect working with an RRB. (then I made a humorous comment) - S ir working with RRB is like playing in Ranji Trophy and working with a nationalized bank like UBI is like playing for national team. Both are different. All 3 broke into laughter with this comment. (I don't know whether it was okay to make s uch a humorous comment, but it was s pontaneous and it jus t happened!) Interviewer (smiling) : But Ranji Trophy is als o a link to the national team, and you are anyway being paid the s ame as a national team player. Me : S ir, playing for national team is a matter of privilege, which is beyond monetary benefits . Interviewer : Alright. Now tell me about the advances portfolio of an RRB? Me : S ir as I s aid earlier, RRBs work for agriculture financing and to accomplis h financial inclus ion. Their advances portfolio compris es mos tly of advances for - crops , tractors , minor irrigation, s elf help groups etc. But tehs il and dis trict level branches have a fair amount of bus ines s in regular loans like - home loans , vehicle loans , educational loans etc. But s till the major focus is on agriculture financing. Interviewer : How many RRBs does S BI have? Me : I am not very s ure S ir, but S BI owns around 12-15 RRBs in various s tates . In Gujarat, they have only 1 RRB. Interviewer : Okay, s o they have 1 RRB in Gujarat, hmmm. What is the s hare-holding pattern of an RRB? Me : (Confidently) S ir every RRB has 50% s take of central govt, 15% s take of s tate govt and 35% s take of its s pons or bank. Interviewer : Hmmmm. Which is the bes t quality a leader s hould pos s es s ? Me : S ir leaders hip, whether formal or informal, is all about taking charge. Coming forward and owing the res pons ibility. S o I think for any leader, having the attitude to 'take the charge' and 'owing the res pons ibility' is the bigges t quality. Apart from this , a leader has to have influential qualities to get the objectives met. Interviewer : Have you, in your life ever s hown s uch qualities ? Me : Yes S ir, at the time of s tarting my job with RRB....he cut me in between and as ked, Interviewer : Not in RRB, tell me where els e have you s hown thes e leaders hip s kills which you jus t talked about. Me : S ir I have s hown s uch s kills in my family affairs on quite a few occas ions . Als o when I was an MBA s tudent, we were s uppos ed to make a group and pres ent various topics . It us ed to be a group exercis e, but I us ed to come forward and take the informal charge of the entire group and ens ured all team members ' efforts remained s treamlined and we met our objectives . Interviewer : Okay. Now tell me which news paper do you read? Me : S ir I regularly read Times of India. And I read Economic Times as well, but not everyday. Interviewer : Times of India? Really? Why not other news papers ? Me : S ir I pers onally prefer reading The Hindu. But I live in a very small town where it is very difficult to find Times of India even. We do not get delivery of The Hindu s o it is not pos s ible for me to read it. But I read its articles from internet. Interviewer : Oh I s ee. Yes , The Hindu does n't have wide dis tribution network. Anyway, tell me one major recent news you've read. Me : S ir 3 BJP minis ters of Karnataka have res igned today s ince they were caught watching obs cene video clips on their

cell phones during legis lative as s embly. Thes e are the headlines of today's news paper as well. Interviewer : Okay. S o what do you do at RRB at pres ent? Me : S ir, we 7 probationers have been as s igned a s pecial project initially. Actually S BI has given our RRB Bancs s oftware which they us e for CBS . The migration from old s ys tem to new s ys tem took place few months back but becaus e of this migration, there have been s ome mismatches of data. Our objective is to correctly calculate all the parameters and ens ure the accounts migrated are correct. Interviewer : What is the NPA level in your bank? Me : S ir I am not 100% s ure, but it is around 1%. (in actual, it is around 0.8% s o I could give a clos e ans wer s omehow! ) Interviewer : Oh I s ee. Can you tell me which s ectors come under infras tructure financing? Me : S ir, power s ector comes under infras tructure financing. Interviewer : Then? Go on pleas e. Me : (thought a bit), trans portation s ector als o comes under infras tructure financing. Interviewer : Anything els e? Me : Not being able to recollect more S ir. Interviewer : Its okay, its okay. Then he s ignaled other members if they want to as k me anything. They s aid no. Then he s aid, Okay Jos hi, you may leave now. I thanked everyone and left.