Hi friends, myself Navjot from Punjab. I should say thanks to my friend JASKIRAN(My bestie), I came to know about Affairs cloud from her. Since then I am a regular user of Affairs Cloud. Here I met a good friend AB(Joey Tribbiani) and discussed many concepts with him. He’s good in Quants. Affairs Cloud is a great site. It has helped many aspirants. They have provided us free Mock Tests which helped us to score good in exam. So a big big THANKS to AC.
My interview(IBPS RRB PO) held on 16/11/2015. It was scheduled at 1:00pm, reached venue by 11:30 am. Document verification process started and it was very stringent, please do carry all the required documents as specified by IBPS. After this process I was asked to wait for my turn.
Before the verification process, We have to write anything in those languages which we have mentioned in our application form. I have written in 3 languages i.e. English, Punjabi and Hindi.
- Name: Navjot Kaur
- Location: PUNJAB
- Venue of Interview: Kapurthala
- Date: 16/11/2015
While entering in the room, (Panel I – 3 males and 1 female)
Me: Good Afternoon Sirs, Good afternoon Mam.
M1,M2,M3,L1: Good Afternoon, Navjot.
M1: What are your qualifications?
Replied: Sir, I did my post graduation in Information Technology from Panjab University, Chandigarh.
M2: Ok, then why do you want to join bank as you are from IT sector?
Replied: It was during my college days, I came to know about the opportunities in banking sector. So I chose to appear for banking exams. With the Indian Government promoting financial inclusion, agriculture and manufacturing banks play a very important role in reaching these goals. So I really want to be a part of banking sector.
M1: Why do you want to work in RRB, you will be posted in rural area.
Replied: Sir, I am also from a village so I can easily interact with rural people and can tell them about various schemes.
M1: When was RRB established and why?
Me: Sir, RRBs were established in 1975 on the recommendation of Narsimhan committee and created primarily for the rural areas of India and farmers with basic banking and financial services.
M3: So you are from Hoshiarpur. Tell me something about Hybrid Maize.
Replied: Sorry sir, I don’t know about.
M1: Hmm. Navjot how many Mega bytes are there in 1 GB.
Replied: Sir, 1024 Mega Bytes.
M1: Okay Good. (Smiled)
Lady: Is there any account in which if we deposit some amount of money and can withdraw more than that?
Me: (I was confused). Then one member said overdraft something you know about that?
Me: Yes… Yes…. Yes… sir overdraft facility in which one can withdraw more money.
All penal members laughed yes.. yes.. Navjot we were asking about that.
Me: Yes sir in PMJDY overdraft facility provided. Account holders who have linked their Aadhar number with this account can use this.
M2: Good. Aam admi ka ahdikar Aadhar (Smiled)
So you read newspaper daily. Tell me about INDRA.
Me: Sir it is a joint army exercise between INDIA and RUSSIA.
M3: Very Good.
M1: So Navjot what is the interest charged for current account?
Me: (There’s no interest for Current accounts)
So I said sir current account?
M1: Yes Yes
Me: Sir there’s no interest charged on current account they are for industrialists and firms etc.
M1: (smiled) Yes you are right. Good.
M2: Do you know about cards?
Me: Yes sir Debit card, Credit card, Pre-paid card
M3: What are Debit and Credit cards?
Me: Sir, credit card is issued by a financial company giving the holder an option to borrow funds. Credit cards charge interest and are used for short-term financing and on the other side in a debit card transaction, the amount of a purchase is withdrawn from the available balance in the cardholder’s account. If the available funds are insufficient, the transaction is not completed.
M3: Yes. Mam now you ask.
Lady: Do you know about CC?
Me: Mam CC?
Lady: Yes Cash credit.
Me: Sorry I don’t know about that..(I was not sure)
M1: Do you know about Giani Zail Singh?
Me: Yes sir he’s the 7th President of India and was also chief minister of Punjab and inaugurated a highway named after Guru Gobind Singh.
All members: Thank you Navjot
Me: Thank you sir.
Overall it was good. They were looking satisfied.
- Read about your local MLA, MP and noted people of your area.
- Make your answers clear and crisp.
- Don’t appear desperate.
- Dress for success.
- Be authentic and candid.
All the best!!.. :)