You’ve gone through lists of tips and instructions. You’re well versed with the frequently asked questions and you already have a mental framework of the kind of answers you are going to present. If there is anything else you can do to boost your confidence and take your level of preparation a notch higher, it would be to go through descriptions of IBPS PO interview experience of somebody who has atleast once been a part of an IBPS interview!

In this section, Studycopter will highlight the cases of three such people who shared their own IBPS PO interview experience, which will help you understand the interview format and the thought process of the interviewers sitting on the other side of the table.


Miss Ruchi Sinha enters the room, after a knock, having been called in by the interview panel. She is here for her banking interview for the Probationary Officers’ level.
She is smartly dressed in a navy blue business suit with black heels that are silent against the floor. Her hair are done up in a formal bun. She enters with a smile on her face.
4 members on the panel are sitting across the table that she now faces. The panel cannot help but notice her crisp manner of dressing and presentation. They smile back at her.
She wishes them a polite “Good afternoon”, and after having been told to sit down, she takes the centre seat.

Member 1: Miss Ruchi, are you nervous?
Miss Ruchi (again with a polite smile): Yes Sir, a little bit. This is my first banking interview.

Member 1: I hope this will be a good one for you then! Ok, so Miss Ruchi, where have you done your schooling from?
Miss Ruchi: Sir, I have done 12 years of schooling from Welhams, Dehradun, and I have been a boarder there.

Member 1: How did you decide on choosing the banking sector for a career?
Miss Ruchi: I have always wanted to work with the government. During my years of graduation, I realized that banking and finance were areas that interested me the most. I started looking for careers in the same field with the government. That is how I made my decision about entering the banking sector.
I also like the lifestyle of banking sector employees. The job security is a major attraction. So are the convenient working hours.

Member 1: How did you find out about the employee experience in banks?
Miss Ruchi: After I intimated my family about my chosen career path, my father got me in touch with a few people who could provide me insights about the work experience in banks, Sir.

Member 2: Miss Ruchi, you are a recent graduate in Economics. Which particular field in Economics arouses your enthusiasm?
Miss Ruchi: Ma’am, I like almost every branch of Economics that I have studied in my graduation years. The ones that appeal to me the most are some of the theories of International Trade, theories of economic growth, and game theory.

Member 2: Since you mention international trade theories, could you tell me who won the Nobel Prize in 2008 and for what?
Miss Ruchi: Ma’am, the 2008 Nobel Prize was won by Paul Krugman, for his proposed “New Trade Theory”. Prior to that, the theories most acknowledged were David Ricardo’s Comparitive Advantage theory, followed by the Heckshir-Ohlin model of factor pricing.

Member 3: You have studied at the University of Delhi. What was the most recent debate involving the Vice-Chancellor and the legal system this year?
Miss Ruchi: Sir, the University of Delhi implemented the 3-year semester system starting 2011, changing from the annual mode. In 2013, DU launched the 4-year Undergraduate Program (FYUP) for the fresh graduates. This system was opposed for the whole year, primarily for the University’s under-preparedness to tackle so many courses. The teachers felt the system was becoming complicated, with 12 inter-disciplinary courses for the first years and 2 main courses. The courses were not well-structured.
The new govt. of India did not support the system, and in June 2014, newly elected Education Minister, Smriti Irani ordered annulment of the FYUP. This later got sanctioned by the legal system, and the Vice Chancellor Dinesh Singh then had to succumb to the orders. The University currently has been forced back to the 3-year Semester Program.

Member 2: The Finance Minister has recently presented some views about financial inclusion. What do you feel about the recently taken steps?
Miss Ruchi: Our Finance Minister, Arun Jaitley, has been fervently popularizing the concept of financial inclusion these days. This primarily means including the masses in financial facilities available and also taking forward financial literacy.
With the Jan Dhan Yojna kicking in recently, and credit card allocation being liberalized, banking services being made available through simple mobile phones, I can say that considerable measures are being taken by the government to bring in maximum number of people into the ambit of financial independence in the country.
However, I would also like to express my concern about the infrastructure of the country to support such a fast-moving change. The government needs to take care that the services being provided and the facilities being extended are sustainable in terms of the traffic that will be generated on account of the sheer mass of the country.

Member 1: What are your location preferences for this job?
Miss Ruchi: Sir, my first preference is Delhi, second is Lucknow and third is Bangalore.

Member 2: Thank you Ruchi. It was a pleasure meeting you today! We wish you all the best for your future.
Miss Ruchi (with a smile): The pleasure is mine, Ma’am. Thank you very much.
She gets up lightly out of her chair, bows slightly and leaves the room with a smart gait.

Want more such information directly from the horse’s mouth? Well, Studycopter talked to Mr. Ajay Bhatt who appeared for IBPS PO exams and interviews last year. This is what we gathered from the conversation –

Studycopter: Mr. Bhatt, we would like to know how a person should divide their time between reading general awareness, periodicals, newspapers, etc. as he does reading his main subjects?
Mr. Bhatt: It is no secret that almost 60% of all kinds of questions asked in Bank PO interview are based on general awareness. These general/banking awareness questions can in any way be linked to your subjects and presented to you for an opinion, or recount. You can always use the knowledge of general affairs when answering questions related to your stream.

Studycopter: What happens when you give an incorrect statement and the panel catches you?
Mr. Bhatt: Well, first of all you should not say something that you are unsure of. It is always better to be sure of your facts and then mention them. That being said, if you do inadvertently let something incorrect slip, you should immediately apologize. You can say things like “To  my recollection, the facts were so and so…”. But for you to have a good impression of the panel, always be sure of what you say.

Studycopter: Is it correct that the interview panel wants to know our comments, views, attitude about issues rather than seeking mere information?
Mr. Bhatt: Yes, that is correct.

Studycopter: How can you present ideas, comments without having knowledge about the facts?
Mr. Bhatt: You do need to have knowledge about facts to be able to give viewpoints. But you need not worry so much about not having knowledge. The panel will find out your areas of knowledge and question you on that. As said earlier, their main aim is not to dishevel you but to know your depth of thought.

Studycopter: Can you provide a few examples wherein we may be asked to express our opinion?
Mr. Bhatt: Generally, controversial political issues, policies, incidents are the areas from where the opinion-based questions stem. Examples of these could be prohibition, Bharat IV norms, newly implemented policies like Jan Dhan Yojna, the success of newly elected government, and the like.
Such questions need to be handled tactfully as you do not know the stand of your interviewers. They may be having opposite views to what you have. Therefore be careful to present your views in a manner where you state your presumptions of the situation.
An example would be “Under the situation as I see it, this is what I believe…”.
Also, do not show that you are  rigid about your stand. Let them know that subject to changes in the situation as you perceive it, you may be willing to re-consider and change your views. You should not get worked up, become emotional or show bias. These might be counted as negatives.

Studycopter: Thank you for your time, Mr. Bhatt. This conversation has been really helpful! I’m sure it will be very helpful to our readers.

P.S.: Mr. Ajay Bhatt was selected as a Probationary Officer at the Punjab National Bank in 2013.

At Studycopter our aim is to ensure that your preparation level is as adequate as possible and to present you with quality information that will enhance your prep and boost your confidence. So far you’ve gone through one interview experience and a direct conversation with a candidate who appeared and aced an IBPS interview. Next up in this section, is another such interview experience So read on.


CANDIDATE PROFILE – Samraansh Sharma, from Delhi has done his B.A in economics from University of Delhi. He had been working in a private firm for around a year and now he wants to join a nationalized bank. As mentioned in his bio data he loves to play tennis, and has participated in several tennis competitions in his life.

INTERVIEW PANEL– The interview panel consists of two gentlemen and one lady, all of them senior bank officials.


Samraansh enters the room and greets the panel with a smile.

Samraansh – Good morning sir, good morning ma’am

Panel – Good morning Samraansh. Please take a seat.

Interviewer 1 – How has your morning been so far?

Samraansh – It has been good sir. Apart from encountering a little traffic on my way, it has been a smooth morning so far.

Interviewer – Oh, so you are a native of this city? How did you get here?

Samraansh – Yes sir. I have stayed in Delhi all my life. I used the bus.

Interviewer 1 – Great. So tell us about yourself?

Samraansh – Sure sir. My name is Samraansh Sharma and I am 23 years old. I am originally from Delhi. I have done my B.A. in economics from Delhi University. After completing graduation, I had been working in a private firm for around one year and preparing for the IBPS examinations in parallel. In my free time, I enjoy reading books and playing tennis.

Interviewer 2 – Samraansh, why don’t you want to continue working in your firm? Why did you decide to work in public sector banks?

Samraansh – Sir, I think I have already derived everything I could from my previous job. I have exhausted the learning opportunities and now I want to try something new. As far as I can recall, I have always wished to work for the government. Apart from offering several perks and benefits, public sector jobs allow people like me to serve my country by working for the people. In public sector jobs, there is a sense of concern and care towards the employees that is not visible in the private sector today.

Interview 1 – You informed us that you completed your graduation in economics from Delhi University. How do you think your educational qualifications will help you with the job?

Samraansh – I think studying economics for 3 odd years, has equipped me with the ability to understand and analyze economic reforms and policies. It will enable me to understand the banking principles. As a clerk, my main duty will be to interact with the customers and help solidify their ties with the bank. I would be able to understand the customers needs and help them out accordingly.

Interviewer 3 – Alright. So, what is the bank that you rely on to handle your finances?

Samraansh – Ma’am, my accounts are with Bank of India.

Interviewer 3 – Could you tell me one thing that you feel Bank of India should work on and attempt to improve?

Samraansh – Ma’am, generally Bank of India provides excellent services. However, occassionally the bank is a little too crowded and consequently their services become slower. I wish they’d work on that.

Interviewer 1 – Alright since you were an economics student, can you tell me what Repo rate is?

Samraansh – Yes sir. Repo Rate refers to the rate of interest that RBI charges for the amount that it lends to commercial banks. In such transactions, banks get funds from RBI against government securities.

Interviewer 2 -Alright do you know what RTI is?

Samraansh – Yes sir, RTI refers to Right To Information Act.

Interviewer 3 – Can you elaborate?

Samraansh – Sure, ma’am. Right to Information Act mandates timely response to Indian citizens in case they request for government related information. The act guarantees citizens to get the desired information within 30 days. This law was passed by the Parliament in 2005. Central Intelligence and Security Agencies are excluded from providing information.

Interviewer 2 – You must have heard about the CAG in recent news? Do you know what that is?

Samraansh – Yes sir. The Comptroller and Auditor General of India is a constitutional body of India. CAG is responsible for auditing all receipts and expenditure of the Government of India and the state governments. Government owned companies also come under the umbrella of CAG audits.The reports of the the CAG are taken into consideration by the Public Accounts Committee of parliament.

Interviewer 1 -You like playing tennis right? Do you keep an eye on international tennis events?

Samraansh – Yes sir I try to.

Interviewer 1 – Can you tell me who won the French Open Tennis for men in 2012?

Samraansh – Sir, Rafael Nadal did.

Interviewer 2 – Do you know what country he is from?

Samraansh – He is from Spain.

Interviewer 3 – Alright Samraansh. Going by what you told us and the information in your biodata, you have always stayed in Delhi. Are you ready to re-locate if you are allotted a branch elsewhere in the country?

Samraansh – Ma’am, even though I have stayed in Delhi all my life, I have travelled extensively throughout the country. If I happen to get selected, my job would be my first priority. Shifting elsewhere isn’t that big an issue.

Interviewer 2 – Alright Samraansh. I think this would be enough. Thank you for coming in, it was nice talking to you.

Samraansh – Thank you for having me. It was a pleasure talking to you too.



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