Bank PO/Clerk Interview Questions and Experience

:: :: Hi Frendz… I am starting this thread to Post the questions and experience of Interviews of bank po or clerk if u have any or from any other source like ur frends or from internet. ***Plz dont use this thread as a chat corner, as i…

Hi Frendz...
I am starting this thread to Post the questions and experience of Interviews of bank po or clerk if u have any or from any other source like ur frends or from internet.
Plz dont use this thread as a chat corner, as it is made exclusively for Interview prepration,and i wanna make it a resource for interview prep.
I need ur support to make this thread suppotable for aspirants(seniors plz help).:cheerio::cheerio:

before starting this thread i searched several threads of PG which contains many interviews Qs but they have 100s and 1000s no of pages, which make it very difficult to search the appropriate material hidden inside them, hence i request moderators members and viewrs to plz post as many bank int qus as they can manage.

NIA interview questions

What is CAR?
when is niacl established.?
When is niacl nationalized.?
What is CRR?
Define SLR?
how can we control the liquidity in system with CRR.?
how much % Govt owns in Niacl.?
How much %govt should own to make the company govt owned?
Tell me about recent un summit(copenhagen)?
What is the profit of NIACL?
Income of NIACL?
what is a liability ?
what is insurance liability? (person got confused and confused me), Public liability?
Why will you stay with niacl?
suppose you got selected in Federal bank united bank of india and NIACL which one you choose and please be honest.? (I told them that my interviews were completed for fd and ubi

NIA Qus (all collected from other threads or from orkut)

Interview...4 ppl
one sardarji and 3 others....I entered the hall...maan what was that door...pata hi nahi chal raha tha khulta kaise hai...aur band kaise hota hai....
the guy sitting in the middle spoke....
hmmn so u hv done electronics and Communication....word communication spelled doom....heheh
so wat actually is comm.....answered something....sender receiver medium something types....
then sardarji spoke....u hv heard of smthin were there is no medium for communication?......heheheh ...said satellite comm....and lookd at expressions??
Is body launguage also a part of comm....said yes...have u studied it in electronics....yaar mujhe toh nahi lagta engg me kahin bhi yeh padaya jaata hai...its taught in managmnt under organisational behaviour....I said no sir was nt in our curriculum....
next question.....5 powerful women of india....answered
next question.....5 religious places in India....started with create an impression on him...heheh and last one I said Rameshwaram....yaar border par hai India Sri lanka hai toh India me hi....he gave me a weird if he met with sharman joshi of 3 idiots....

acha now the other guy...fired with rapid questions....RBi deputy governs,SEBi chairman,IRDA chairman,NIA profits,FDI in banks....answer some.....
then the last guy who was listening very patiently gv a glance as if....aa ja bacche....
first question....who is AGI of india...was looking blank...then he said auditor general of inida....nahi aata
who is deputy CM of kerela....I said I kno the CM bt I dont kno the DCM...
last pyaara sa question.....where is THAR desert....said rajasthan....
that l'll be all was their reply and I left the room.....
so my suggestion is....plz read ur GK and current affairs,NIA,insurance,and ur subjects if u can.....
All the best guys who are still waiting for their turns in NIA.....thanx

NIA Qus (all collected from other threads or from orkut)

Interview: I was asked the following questions by the 4 member panel.I was the first to give interview that day. I am an MBA(Finance) from IBS,Mumbai.:
1. What does ICFAI stands for ?
2. Tell me something about ICFAI ?
3. What is the CFA course of ICFAI ?
4. My family background.
5. What considerations should be taken while making a portfolio ?
6. Where does an insurance company invests its funds ?
7. What are treasury bills ?
8. What is Yield ?
9. How is yield related to market price ?
10. What is HTM & AFS ?
11. What is mark to market ?
11. How is it important for insuarnce sector ?
12. What are dated securities ?
13. Founder of NIACL ?
14. Paid up capital of NIACL ?
15. What do you know about NIACL ?
16. What are sources of income for NIACL?
17. what are the disbursements for NIACL?
18. How will you handle the situation if an experienced and old employee misbehaves with you in office ?
19. How much makrs i will give myself out of 10 for this interview ?

SBI clerk Qus (all collected from other threads or from orkut)

1-why r u interested in banking sector..??

2-Do u support privatisation of banks? why..??

3-Being in a public sector bank how can u compete with private sector banks...??

4-what steps 2b taken 2 control global warming.?
Questions posted by Akanshita
1.wat is NPA?
2.why do u want to join sbi.
3.Tell something abt yourself? many time u have cleared sbi exam?
5.who is the current chairman of sbi?
6.what is CRR?
7.what is RR(Repo rate)?
7.why did u choosed sbi for the job while pvt sector bank
is paying heavy salary to his employee?
8.which banned outfit is responsible for recent blast in
different city of india?
9.who is the governor of RBI?
10.u have completed your graduation(if u have)in this year(-
----).what u were doing till now?
11.who is the finance secretary?

Questions posted by Aditya Gupta
# What is RR(Reporate)
# Whats is CRR
# Whats is reverse RR
# Whats is SLR
# Whats r d tools with RBI to control liquidity in market
# Who is d chairperson of RBI
# Which bank recently got submerged in SBI
# Who is the owner of SBI at present n with what % of shares
# What was d name of first bank established in India ?
# When was State Bank of India established in India
# Who is the Chairman of SBI
# Financial crisis in America
# Why joining SBI or Banking Sector
# Questions on Hobby
# Historical or geographical Importance of d place u live

important definitions helpful in bank interview preparation:-
Hi friends,
Here I am posting for you some important banking terminology that will helpful in your bank interview preparation. I hope it will clear all your doubts regarding different bank rates.

REPO RATE: - Under repo transaction the borrower places with the lender certain acceptable securities against funds received and agree to reverse this transaction on a predetermined future date at agreed interest cost. Repo rate is also called (repurchase agreement or repurchase option).

REVERSE REPO RATE: - is the interest rate earned by the bank for lending money to the RBI in exchange of govt. securities or "lender buys securities with agreement to sell them back at a predetermined rate".

CASH RESERVE RATIO: - specifies the percentage of their total deposits the commercial bank must keep with central bank or RBI. Higher the CRR lower will be the capacity of bank to create credit.

SLR: - known as Statutorily Liquidity Ratio. Each bank is required statutorily maintain a prescribed minimum proportion of its demand and time liabilities in the form of designated liquid asset.
"Every bank has to maintain a percentage of its demand and time liabilities by way of cash, gold etc".

BANK RATE: - is the rate of interest which is charged by RBI on its advances to commercial banks. When reserve bank desires to restrict expansion of credit it raises the bank rate there by making the credit costlier to commercial bank.

OVERDRAFT:- It is the loan facility on customer current account at a bank permitting him to overdraw up to a certain agreed limit for a agreed period ,interest is payable only on the amount of loan taken up.

PRIME LENDING RATE: It is the rate at which commercial banks give loan to its prime customers.
As HR is undoubtedly the most grueling and significant part of an interview for any post concerned or applied. So, some of the questions that you may come through are:
-"Tell us something about yourself"
oThis is the most common and the first in the list of interview questions for clerk. No matter what post or position you may be applying for, this is kind of a universal question that will be asked, just to measure you up.
- This way the interviewer normally wants to have a slight notion of what do you feel about yourself, about your qualities and how snappish and intellectually aptly can you identify yourself. So, your reply should be very diminutive and at the same time giving fine information concerning you. For example: you can say, 'I am sensible, realistic but at the same time imaginative, conscientious and can manage people well.'
-So, you are at this point interested about the clerk position we have offered. What variety of experience do you boast of?
-Accurate RESPONSE: "I've just completed school, and I am searching for a full-time arrangement that will aid me to expand and gather more experience. Honestly, I do not have much job practice, but I was brought up in a family circle where my father, mother and other family members taught us a superior work ethic. I can make out that hopefully, I would be capable to fill this spot, since I am a very rapid apprentice."
-INCORRECT response: "I can't be acquainted with what you are saying- I just sought after an afternoon employment, so I can snooze in during the sunup hours, and still comprise a assortment of time to go bashes and celebration or parties in the nights or evenings. In addition, my mother goes past here each day on her means to her work, so she may well drop me off."
-"There might be times when I would require you at this juncture prior to your standard hours commence. Will I have any dilemma trying to get a hold of you if I want you to come up to work earlier?"
-CORRECT: "Well, I will be taking several daybreak college classes, however I don't have school on Mondays. So, I would be pleased to do that on Mondays, and I'll strive to remain efficient with my class agenda once I get my courses in concert."
- Tell us something about your past experiences.
-The next subject which usually comes up and about interview questions for clerk is concerning the earlier experiences as this assists the interviewer to acquire an thought about how your precedent experiences are going to sway the company. Thus, it is very imperative for you to come to a decision that which ingredient of your individualism and job familiarity you would like to be in the illumination but make it in no doubt that you do not end up with tales of your intrepidness and adventures. Here you should center more on your daily life at work that will focus more on your dilemma solving skills: like the means by which you demeanor yourself at your job, scrutinize tricky situations and manage people.
Accounts at banks and/or other financial institutions.
1Deposit account
a:Checking accounts or current account
b: Savings accounts
c:Money market deposit account:
d:Time deposit
2Personal account
3Sweep account
4Transactional account or demand accounts or demand deposit accounts.

SBI clerk Qus (all collected from other threads or from orkut)

questions asked to me:
since i am a comp. sci. student they asked what r d
languages i hv learnt i replied c,c++ and now i learning
vb... they asked the diff. bet. c and vb

then hw computers r used in banks?
earlier days v used maintain separate record for each n
every person who hv account but after being computersied
as v type the it display all the details..
then dd forms were computerised,earlier it was written by
hand ... then core banking...

next i am a throwball player.... so they asked what's d throw ball and volley ball

as i hv won state level certificate in elocution i was
asked to speak abt. INDIA for 2 min.
then they asked me wat i like n dislike in INDIA...

since i'm 4m vandalur next to chennai , it comes under
kanchipuram dist. they questioned me "wat's imp. regarding
kanchipuram", i replied temples,dist.Head Quarter then
kanchipuram silk...

then they also asked me abtwat's imp. in vandalur

next wat do u know abt SBI
wat r the private banks ans. i replied ICICI and HDFC
full form of ICICI ? Industrial Credit and Investment
Corporation of India...

Wat r the nationalised banks?

since i am doing college ug final year they asked y do come
for job when u r studying.....I replied that the main aim
of studies is to know wat's going around us and the next
is to get the job .. when the oppurtunity knocks at me y
shdn't i use it...
then wat is u.s crisis

SBI clerk Qus (all collected from other threads or from orkut)

we had 3 men n a lady to interview person asked me abt my hobbies and abt my plc and since i've written Tally as my spcl course ..they asked me to tell abt that too..

2nd person asked me chairman of SBI n finance min of my state..

3rd person asked me abt my native plc n abt deposits n loans provided by the bank..

4th person asked me abt the speciality of a famous personality Sir M. Vishveshvaraiyya as he's the pioneer of the KRS Dam built in Mysore- a famous tourist attraction ...and abt debt waivers of farm loans.....

....and within 15 mins my interview was over !!!!!!!!!

Keep Smiling throughout....if u dont know tell it probs...they'll correct u if u r wrong.....

POSTED BY Ramanjaneyulu

hi guy's today i given interview at hyd sbi learning centre.
my interview was so cool. they just asked about my details
and some computer questions i.e. what is dos?
what is ram? and what is floating and what is gravitational
force,it is same for all materials or not
and regarding about "gate way of india" where it is and y
it has made?
where is the india gate and y it has build?
that sal......
all the best for other guy's

Hello friends,
This s swetha frm Mangalore.i gave my interview today(15-10-
08 .Questions asked were related to my subjects,my previous
job nd abt my qualification.Panel consisted of 3 members
initially they wil verify ur certificates, dont forget to
attest ur photocopies frm a gazatted officer.Other
questions asked were like who's the finance
minister,chairman of sbi,dgm's (there r 2 dgm's itseems
which i din answer),which bank faced financial crisis
recently (ICICI),What u know abt sbi,nd regarding ur
hobbies (VIMP) think nd write properly bcoz most of d
questions wil be frm ur subjects nd hobbies.

I wanna thank u all for sharing useful information in this
forum it helped me a lot i gained so much knowledge frm dis
site only nd gud luck for the rest who r gonna give
interviews in d coming days...

Yesterday(15/10/08. I finished my Interview. frnds don't
worry about interview questions. First you go through two or
three times through you bio data, and prepare details
regarding what you are written in the bio data, like
->Importance of your birth place,
->Importance of your district,
->College/University which you studied,
->importance of the different places you staying,
->great personalities born in your district etc.
->details regarding your extracurricular activities and your
get prepare Positive answers for compulsory questions like
->Tell me about yourself,
->Tel me about your family,
->tell me about your previous job provder,
->your strong/weak points,
->why do you want joined SBI,
->why not using your higher qualifications,
->if you are undergoing graduate they definitely ask
->if we take you what you do your studies
->If you completed degree in more then 2years they will ask
what you doing till now.
->If you working why you want leave present job?
(frnds please give positive answer for this)

and also prepare daily importance /common knowledge of your
subject studies in degree or 10+2, like what is chemistry,
who is the founder of biochemistry etc.

hi friends this is saurabh from jaipur.i just finished my
interview on 16-10-08,in past i have given many corporate
interviews but belive me friends this interview was not
even nearer to any interview i have attended so far.or you
can say it as just an "introduction" meant to explore your
personality and you thinking.i diden't know when was
interview begun and when did it ended.

the interview panel consisted of four member(3 male,1

they asked me some common questions therefore seekping all
the usual question i am posting only those question which i
thought were different

1.they asked me if you have visited any sbi branch what are
the good/bad points you find there. the introduction of private banks have helped the
economy or not can we say thet if you are selected you will remain
committed to the organisation and won't change the job

4.and some questions about mutual funds

hi all
first we gathered at center around 8.30 am. process started at 9.30. there were 5 panels
consisting of 4 persons each.first AGM came to our room and introduced himself and then he told us to be confident and questions will be abt ur education, family etc....
my interview started at 1 pm , i was last in morning batch. i entered room , there were 4 members including two mams.first i wished them and they told me sit. then one mam asked abt my name and asked me to introduce myself .
i started with name and just i was telling my percentages agm stopped me n said dont tell marks we have ur data , tell abt urself.
1mam)why u want to join sbi being highly qualified?
1mam)what do u know abt banking?
me: told thoroughly
2sir)tell the names of 5 private sector insurance companies?
me:icici prusential, tata aig....
agm)what is ur ambition in life?
me:to be officer
agm)then why applying for clerk?
me:answered accurately that i need entry.....
mam2)after how many days rbi publishes its policies?
me:couldnt answer
agm)do u have accnt in bank?of which type?
me:yes , saving accnt
sir)what do u know abt marketing?
me:i dont have marketing background
mam2)tell the names of 4 private sector bank?
sir)what difference u see when u go to priavte bank and public bank?
me:processing is faster in private banks than public sector banks
sir)dont tell us abt services, we r asking abt customers
me:there r more young ppl in private banks( he agreed)
mam)what is difference between BPO and s/w company?
mam)do u think recession will affect s/w companies?
sir)tell us ur family background ?
mam)tell the names of 4 it companies?
sir)who is the ceo of infosys?
mam)what is big bang experiment?

Intw of Federal Bank on 6-11-09 Delhi

-Still workn
-Then what are you doin presently
Preparing for Bank PO
-Have you given any other exam,any positive results
Had my UBI intw yesterday
-What all did they ask in the Intew
y banking and the whole intw revolved around this ques.
-Well I won't be asking you that as you will revolve this intw too based on that ques.
-Ok you ask me a ques.
When can I expect the result
-What do you expect
Selected,but I asked till when can I expect the result Sir.
-Selected or not the result will come within a month
-What lang. is spoken in Kerala,orrisa,Karnataka.(said as this bank's HQ is in kerala you should know the lang. spoken there)
-Some Mechanical(My Btech Specialization) related ques.
Then the next guy asked
-y not go for a mechanical job and y bank PO
-what is Sub prime crisis
I started explaining,he didn't let me finish.
-who received the nobel prize recently on which there was a lot of controversy and why
Told and started to explain the controversy but he didn't let me finish.
-what are your hobbies
Meeting people,making friends and surfing net
-Isn't watching movies not one of your hobbies.
I only watch occasionally.
-Who is your fav. director
Steven Spielberg
-Name an Bengali Film director
I don't know never seen a Bengali film
-Took some names of bengali directors,and asked who are those
I said I don't know
Ok thanks

My United bank of India Interview Experience.
Date 07-11-2009 10:30 AM Hyderabad
I am a 2008 B-Tech pass out with '0' full time work experience.

1)Tell me about yourself.
2)from where do you come from?
3)What is so special about AP compared to other states of India?
4)Some say AP is developed. How can they say it, when the power cuts are still present? How can it be development without providing with full Electricity supply?
5)What is your opinion about free current? do you think Govt must give free current in this scenario?
6)your are a techno guy, how is this useful in Banking?
7)Now I am going to ask you on General Knowledge. Which are the two states having the same capital in India?
What is the specialty of January 26th ?
9)What did you studied in +2?
*10) What is do you mean by the terms umbra and penumbra?*
11)Now I shall test you on Current affairs. Who is the Chief Minister of West Bengal?
12)Who is the C.M. of Karnataka?
13)Do you have any computer subjects in your B-Tech?
14)How are computers useful in Banking?
15)What do you meant by CBS?
16)Give me three Strong -> Strong reasons that you shall stay in U.B.I?
17)How do banks take part in our country's Development?
and they said,
thank you, you can go/

I got confused about Umbra and penumbra, I actually told him the definition of penumbra to umbra and vice-versa. he said that it is different.
I told him that it is confusing and solemnly withdrew from it. thought it is a good idea not to escalate it.

Apart from the above everything went very well. I was able to give them convincing and well put answers to all the other questions. Interview was swift took about 7-8 min.

Tips I suggest to other aspirants.
>The most questions come from what do say or what are related with you.
so be cautious while answering.
>Use Mr. and Mrs/Ms where ever necessary. My predecessors, made the mistake of not using them.
>Try to learn some basics about your state and place from which you come, India political structure i.e. about loksabha and Rajyasabha, President, PM, SC chief justice, cabinet Ministers, their appointments etc.
>follow current affairs of the past ten days at the least. remember people in news.
>Glance through RBI website, 'FAQ's, Press statements, RBI governor, deputy Governor.
>and of course read about the bank and its latest events.

I wish all of you, the very best.

My federal bnk interview experience:

Two men , an old man(o) and a man in 50s(f)

o: Why are you late?
me:Sir I forgot to bring the originals so went back to my residence and brought

(both had smiling faces throughout)

f:Tell me about yourself
me:Schooling, collg

o interrups :You are from jharkhand then why are you residing in delhi:

o:What does ur father do
me:Told he is a doctor with specialisation in accupuncture

o:What is the difference b/w accupuncture and accupressure
me:told about the usage of needle but he wasnt satisfied.told me that the pressure points are same.

f:what is a balance sheet
me:blah blah

f:not actually.y didn't u preapre for ur bank interview
me:I prepared sir

o:what did u prepare?
me: RBI, monetary policy, rates GK etc

f:tools of RBI?

o:Who are maoists?
me:answered.he asked why is it called 'naxalites' ? I answered in detailed about naxalbadi.then a long discussion as I was referring to it as a revolution and he asked y do u call it a revolution then i said that i they call it a revolution.then he asked about solutions and i said ground work like poverty eradication , spread of education, in short inclusive growth.pretty long discussion and me kept smiling throughout

o:if i send u to raichur...
me: where is raichur sir?

o: in jharkhand, naxal belt
me;I will work sir

o:u will get kidnapped
me:I will do my best in practically possible way sir

o:why did u leave ur job as a software enggr?
me: tough life , pressure , no time

o:u cant have the cake and eat it too
me:but I want to live my life in my own way

o:Ok , thank u, and I wont send u to raichur
me: Laughed
o&f; both laughed

hi, i had my interview in delhi on 3rd nov. in 11.30 batch. as i got reviews in 8.30 batch they were asking on general topics and personal profile,but in our batch they were focussing on subject knowledge and qyestions on work experience.

questions for me were
define nation
define developed nations
coment on bric,saarc .asean
threats to usa
national anthem(general ques)

as i had bcom economic they asked from economics
interviers are neither strict nor friendly
they keep a serious look.but overall good experience
all the best

appeared for my iob interview on 24th in reporting time was 10am and after gttng all our documents checked we were tol 2 report on the next floor for the turn came after 40 minutes r so.they were 3 pple, 2 males and 1 female.some of the questions asked were
what is w.t.o and what are its functions?
where was recent meet held and what was its outcome?
what is basel accord?
if all the banks follow basel then when did the banks in u.s.a failed while in india they didn't?
to this question i mentioned subprime crisis on which the panel member said subprime has only 8% role to play in it.i then explained a theory i read in an article by the famous economist swaminathan aiyer on how"black money acts as a buffer for the indian banks to which they were all pretty impressed.then other questions followed about my family background and education.then they asked about my 7 months work ex. in reinsurance and questions asked were
what is reinsurance and why is it done?
is reisurance required in only some cases?
in the end i thanked them for being helpful cause it was my first ever int and i was pretty nervous.they said dn't wrry u did wll.all in all the interview lastd for around 15 minutes and it was a good experience for me.

iob interview experience:
i m am elctronics engg grad. cant remember everything that was asked in those 20 min. but watever i can here it is:
1. opinion about private engg colleges(as mine was one)
2. they asked the area of preparation n i said basucs of economics and banking so the questions followed:
3. capital market
4. money market
5. intangible networth
6. call money
7. parallel economy(black money)
8. rtgs
9. neft
hope fellow puys find it helpful!!
i request all other puys to share there interview experience.

I'm sharing my IOB interview exp on 29/06/2009 -

My reporting time was 11 am and my intrvw started at 3:15 pm........ I was the first person after lunch....

there was 4 panel members.....

Questions asked -
1. Why r u leaving ur company?????
2. Did u appear in CAT???? %le ? got admsn in which colg? why banking?
3. 251 X 62 = ? wthn 10 secs.. it was the easiest one given by them amng all the candidates.....generly 345*365, 457*457 etc.....
4. Historical importance of Plassey, Panipath and kuruksehtra....
5. Regrdng the talk of divestment in banking.... view.....
6. what is the drawback of PSU banks compared to pvt sector banks........
7. Still why people r preferring PSU banks to pvt banks......
8. wud u do sumthng for bettering the services of PSU banks ... wht qualities sud a PO possess?????
9. hw wud u do that......
10. hw many bank-po exams and intrvw u hv appeard?
11. why u dint clear the other exams..... were IOB qus very easy???????
12. Extra curricular activities.... hw u manage..... in IOB also they hv cultural actvts, wud u take part??????
13. How many friends.... what u do duing ur past times.... etc.


my intrvw took more than 20 mins as told by the fellow cadidates......

I duuno wht is goin to happen as i was not asked any banking terms and any economy reltd qus.....

Now I wanna give a brief description of an intrvew of a 2 yrs+ exprncd TCS guy ---

they asked him why banking from s/w - common qus.....
he talked abt CBS and server reltd probs and he can assist in those probs...
then they told if a person can switch on/off the system then it's enuf for a PO...... so ur edu backgrnd wont help in bank?????
so puys pls be prepared for that type of questions and i apprehend abt their thought for the techies!!!!!!!!!!!!!!