To one mr dragster who claims he is in pnb and knows all guidelines. Heres a free lesson from a pvt bank officer. 1. You said if min balance not maintained accounts dont go into debit. Try and do a practical. 2. You said even scale 1 has power to close an account that too for not acc not being profitable. Read circular num 284 of 2004-05 of rbi kyc for existing accounts. 3. You also say have doubt on neft name mismatch. Read rbi faq on neft. Credit to be given "solely "on basis of acc number provided by remitter.
To a random Siddhartha PO-
Some self proclaimed private bank PO-
Tried to offend me by a public post- I forgive him..!
PS: Don't take him seriously, he's not working in any PSB. Probably fake.
Sc category po expected marks
- 66-70
- 86-90
- 81-85
- 76-80
- 71-75
- 61-65
- 56-60
- 50-55
- 96 & more
- 91-95
0 voters
I got certain various responses of my case studies but let me clear few things:
Case Study No 2:
When I say that I am maintaining an avg CREDIT balance of say Rs.1 lac then obviously it is a VIP account. Bank can never think to close this account as it adds a huge value to its deposit. Officer has NO power (particularly scale 1) to close this type of account without taking permission from the BM.
When I told abt CREDIT bal then it must be an OVERDRAFT account, there is no question of SB/Cur account henceforth due to min bal charges if some amt has been deducted, needless to say I am talking abt at the end of the quarter.
Reason for Annoying of that VIP customer: Outstanding Debit balance is showing Rs 100 so if somebody came and deposit a cheque of say Rs 500000 in that account but account will show Rs 499900 credit bal not Rs 500000 naturally the customer's reaction will be bitter. To retain such valuable customer the BM will give some inputs to the customer that "Sir, please do n't close the account with us, we regret that such amount is debited from the account but we assure that u ll be given DDs without any commission charged and few more concessions can be given in cheque return charges. Matter over with a smiley.
Case Study 3:
I have not asked to elaborate all details that beneficiary name, account number should be correct. 60-40 ratio is fine in the worst case. Yes Now a days Account Name is not checked while doing NEFT.
I secured distinction in final year..and agreegate I secured first class...but on my degree certificate my university mentioned only distinction i.e last year mark..so i mentioned last year mark in ibps po form.now I m qualified for interview.will it clear problem during document verification?
Finally I got good responses on my Case Studies. Feeling good that few bankers (including me) are present over here to entertain the audiences (those are not taking part in this activity, silent observers).
Here goes my 4th Case Study: Bit sticky but very very Funny
Case Study No 4:
Party has an account in X bank. I gave a cheque of Rs 10 lac of Y bank to the party. My cheque got bounced due to the connection-failure of Y bank. Due to this Part suffered Rs.450 loss in X (party account got debited by Rs.450 unnecessarily) and my account got debited by Rs 350 as the cheque could not get passed. Now I insist the officer to give me a Letter Of Explanation why my cheque got returned though I have RS 15 lac balance since last 1 year and there in X bank, the party forces the officer to credit his account by Rs 400 as it was my bank's fault. If needful is not done by bank X party contended to close the account. Same situation I reciprocated in my bank also.
As an officer of bank X what will be your response? As an officer of bank Y what will be your response?
For the candidates selected for ibps po interview..lets make watsapp group..send ur name and state at 9554728929..
Those are working in bank and about to appear in PO interview, I want to ask u ppl something very important, plz raise ur hand, very important discussion we have to do. They can PM me.
Please note:
I am not here to lower anybody's morale by showing these case studies. I appreciate @dragster and @SiddharthaPO for being here and devoting their time to demonstrate how healthy discussion should be performed for these type of crucial case studies. I think others are not interested in answering my questions rather they find pleasure talking irrelevant chattels. Wasting time is not written in my opulence rather I try to take out optimum use of this valuable time.
Is it only me , whose attempt in clerk is less than po ?
For ibps clerk 5 2015 in Prelims cutoffs will be statewise or country wise.... ??
rrb ka marks kab aega?
I attempted 16 in Quants, 30 in LR, 24 in English with 95% accuracy. Maths ka Sectional ho jaega Clear?
does anyone have any link from where i can read all important things about UNFCCC ...plz help...
Share ur institute Mock interview marks. Mine 82 Mahendra Bhubaneswar, taken by retired GM of BOI. To be honest I deduct 15-18 marks from my marks, because they are too liberal.
last year kisi ne ibps po ki interview face ki thi..
Hey guys.. Need some suggestion.. Should I join interview classes.. If yes which institute is best..? I have appeared for IBPS PO IV and Clerk IV interviews.. And till now appeared for 6 govt. Job interviews.. (Banking & insurance ) but not getting success in final result .. 😞 don't know whether its bcz of my less marks or there's some lack in interview.. Last ttime I joined interview clases at paramount.. But didn't find it beneficial. Can u guys suggest me some good institute for interview preparation? Would be a great help .
hey guys .. need some help .. mere btech 1st semester me 1 subject french language tha toh mne ibps po me bhi language me english , hindi aur uske baad french me read and write fill kar diya .. ab french padhe huye time ho gaya hai toh main bhul gaya .. ab mera interview hai ibps po ka .. kya consequences ho sakte hai .. please comment .. i m worried ..
Out of box,can any1 tell some productive activity to earn extra bucks while remaining at home till the final results are declared, i m bored ,)Don't tell some software related work,i am not computer engineer