5 Panel Members, Very Friendly *Question Asked:* M1(Head): Hello Pranoy Rai, Aapka ka Jo title hai Rai, Is it belong from Darjeeling only? Me: No sir, Rai title belongs from different communities too.. M5: There is a Vinod Rai, I thought you and he belongs to same root.. *They began to discuss among themselves.... He was a former CAG head M1: Tell me about your education qualification Me: Done graduation in 2018 in B.Sc. General M1: What were your Subjects? Me: Maths, Statistics, Physics and Language M1: What is average? Me: It is a mean value of all the numbers. We can derive it by adding all the numbers and dividing it by total no. of numbers M1: You are from Darjeeling and there's a Tea Plantation in that region, Do you own or have any Land for Tea Plantation? Me: No Sir, But I have been born and brought within the valleys of Tea Garden. So I know some basics things about it M1: How many times you can harvest Tea in a year? Me: I don't have a proper knowledge about it, but it can be done for 2-3 times but the tea workers they go daily for work for harvesting and maintaining the crop. M1: So how are tea worker Paid? Me: In my region They work for 6 days.. From Thursday to Tuesday, With leave on Wednesday and they get paid on Tuesday Evening According to the quantity they collect tea leaves. M1: Who pay them? Me: Tea Workers call them Manager Sahab M1: No no, they call manager but who actually is he? Me: Sorry Sir, I don't know the proper name or the post of that person... M1: Any Financial Schemes provided to Tea Workers? Me: Sir I do not have an idea for the proper Schemes only to tea workers, but they can avail for PM Kisan Yojana, And can also get benifit from PMJDY, APY and all.. Another panel member: M2: So do you have an account in any bank? Me: Yes Sir, I have an account in SBI M2: What are the facilities provided by SBI? Me: sir like all other banks, SBI provide the same facilities with varying little bit of interest rates, They can open Saving Accounts, Give Credits... M2: Have you taken any loans? Me: No Sir M2: What type of account you have opened in SBI? Me: Sir I opened it when I was studying at college so it was a zero balance account, I have not converted it yet.. M2: So, Zero Balance account means you will always have a zero balance in your account? Me: No sir, it doesn't necessarily mean that .. sometimes In my account there is 500 rs. And sometimes 1000 rs.. and according to recent data of all zero balance account only 8% have zero balance as of now and the average bsbda account amount is more the rs. 4000 per account Which bank do you have in your area? Me: Sir, we have sbi, ubi, in grameen bank we have uttarbanga kshetriya gramin bank M2: Any private bank? Me: yes sir, We have ICICI Bank, axis Bank as Siliguri which is tier 2 city, I live nearby it so mostly all bank is available in our region M2: What is the difference between Public sector banks, Private sector banks and RRBs? Me: Sir PSB and RRBs it comes under Govt of India whereas in Pvt sector bank, majority of the stake is with the private organisations.. M2: So who Finance RRBs? Me: Sir central govt has as stake with rrb of 50%, State govt. 15% and Sponser banks 35% (*Now I think i should have said Nabard.. but they were pretty happy with my answer) Another panel member (Ma'am) M3: Do you know about NPA? Me: Yes ma'am, NPA is type of a bad loan, which many or may not be curable.. M3: What is it's Full Form? Me: Oh! Non-Performing Asset ma'am M3: So you said it can be curable, How is it so? Me: Ma'am to this question there arises two cases, If there is already NPA then there is a certain rules and regulations by the Govt to recover it like SARFESI ACT and all... and if we are to prevent it from happening before giving a loan then we can take certain measures like doing KYC properly, We should verify their income, should visit there home and work places, Should study their Income tax returns M3: But don't you think doing KYC and all, Everyone do it before giving a loan but why there is still a NPA? Me: Yes ma'am that is because some banks they give loans to some big industrialists at a minimum rate of interest so that they can earn more profit for their organisation but some unfortunate happens and they left with the NPA but it doesn't meant that every NPA is by Willful defaulters, There is a non-willful defaulters too... Like if we give loans to farmers they take it but if unfortunate happens with them like if they couldn't cultivaed enough crop dues to bad weather or bad seasons then they too cannot pay back their loan... so they comes under non-willful defaulters... M1: Ok so thank You Pranoy, Your Interview is over, You can take a one chocolate over there... Said something something... (my mind was on a toffee) And I said thank you sir, Thank you ma'am with a smile in a face and left the room.
🧿You look very professional and presentable no wonder why they gave you toffee.. And you already look like a banker... Good Luck bro for you upcoming days 👍
Yes, 1st contact IBPS Customer Care and Follow their guidelines.. they 'll probably make you do affidavit only but Talk with IBPS for future inconvenience
I am not sure of that… But you can first ask them if you can or not.. If they understand and they allow you then you can give your interview in bengali
![IBPS PO Mock Interview 2024-25 | Questions & Answers with Expert Feedback By Ex IBPS Panel [Mock 1]](/img/1.gif)
5 Panel Members, Very Friendly
*Question Asked:*
M1(Head): Hello Pranoy Rai, Aapka ka Jo title hai Rai, Is it belong from Darjeeling only?
Me: No sir, Rai title belongs from different communities too..
M5: There is a Vinod Rai, I thought you and he belongs to same root..
*They began to discuss among themselves.... He was a former CAG head
M1: Tell me about your education qualification
Me: Done graduation in 2018 in B.Sc. General
M1: What were your Subjects?
Me: Maths, Statistics, Physics and Language
M1: What is average?
Me: It is a mean value of all the numbers. We can derive it by adding all the numbers and dividing it by total no. of numbers
M1: You are from Darjeeling and there's a Tea Plantation in that region, Do you own or have any Land for Tea Plantation?
Me: No Sir, But I have been born and brought within the valleys of Tea Garden. So I know some basics things about it
M1: How many times you can harvest Tea in a year?
Me: I don't have a proper knowledge about it, but it can be done for 2-3 times but the tea workers they go daily for work for harvesting and maintaining the crop.
M1: So how are tea worker Paid?
Me: In my region They work for 6 days.. From Thursday to Tuesday, With leave on Wednesday and they get paid on Tuesday Evening According to the quantity they collect tea leaves.
M1: Who pay them?
Me: Tea Workers call them Manager Sahab
M1: No no, they call manager but who actually is he?
Me: Sorry Sir, I don't know the proper name or the post of that person...
M1: Any Financial Schemes provided to Tea Workers?
Me: Sir I do not have an idea for the proper Schemes only to tea workers, but they can avail for PM Kisan Yojana, And can also get benifit from PMJDY, APY and all..
Another panel member:
M2: So do you have an account in any bank?
Me: Yes Sir, I have an account in SBI
M2: What are the facilities provided by SBI?
Me: sir like all other banks, SBI provide the same facilities with varying little bit of interest rates, They can open Saving Accounts, Give Credits...
M2: Have you taken any loans?
Me: No Sir
M2: What type of account you have opened in SBI?
Me: Sir I opened it when I was studying at college so it was a zero balance account, I have not converted it yet..
M2: So, Zero Balance account means you will always have a zero balance in your account?
Me: No sir, it doesn't necessarily mean that .. sometimes In my account there is 500 rs. And sometimes 1000 rs.. and according to recent data of all zero balance account only 8% have zero balance as of now and the average bsbda account amount is more the rs. 4000 per account
Which bank do you have in your area?
Me: Sir, we have sbi, ubi, in grameen bank we have uttarbanga kshetriya gramin bank
M2: Any private bank?
Me: yes sir, We have ICICI Bank, axis Bank as Siliguri which is tier 2 city, I live nearby it so mostly all bank is available in our region
M2: What is the difference between Public sector banks, Private sector banks and RRBs?
Me: Sir PSB and RRBs it comes under Govt of India whereas in Pvt sector bank, majority of the stake is with the private organisations..
M2: So who Finance RRBs?
Me: Sir central govt has as stake with rrb of 50%, State govt. 15% and Sponser banks 35%
(*Now I think i should have said Nabard.. but they were pretty happy with my answer)
Another panel member (Ma'am)
M3: Do you know about NPA?
Me: Yes ma'am, NPA is type of a bad loan, which many or may not be curable..
M3: What is it's Full Form?
Me: Oh! Non-Performing Asset ma'am
M3: So you said it can be curable, How is it so?
Me: Ma'am to this question there arises two cases, If there is already NPA then there is a certain rules and regulations by the Govt to recover it like SARFESI ACT and all... and if we are to prevent it from happening before giving a loan then we can take certain measures like doing KYC properly, We should verify their income, should visit there home and work places, Should study their Income tax returns
M3: But don't you think doing KYC and all, Everyone do it before giving a loan but why there is still a NPA?
Me: Yes ma'am that is because some banks they give loans to some big industrialists at a minimum rate of interest so that they can earn more profit for their organisation but some unfortunate happens and they left with the NPA but it doesn't meant that every NPA is by Willful defaulters, There is a non-willful defaulters too... Like if we give loans to farmers they take it but if unfortunate happens with them like if they couldn't cultivaed enough crop dues to bad weather or bad seasons then they too cannot pay back their loan... so they comes under non-willful defaulters...
M1: Ok so thank You Pranoy, Your Interview is over, You can take a one chocolate over there... Said something something... (my mind was on a toffee)
And I said thank you sir, Thank you ma'am with a smile in a face and left the room.
Happy to hear that brother ☺️☺️
🧿You look very professional and presentable no wonder why they gave you toffee.. And you already look like a banker... Good Luck bro for you upcoming days 👍
Thank you bro 😊
Best wishes to you too 💐
bhaiya what of class 12 marksheet name spelling is wrong but other certificates correct hai..tab kya affidavit se kaam chalega ya reject kar denge
Yes, 1st contact IBPS Customer Care and Follow their guidelines.. they 'll probably make you do affidavit only but Talk with IBPS for future inconvenience
@@pranoyrai97 okay and thank u for the reply
What was your panel number??
II
Brother mains me cutoff se kitne Marks jada expect kar rhe ho aap ?
Maybe around 10-15 above cutoff
@@pranoyrai97 okay that's good 😊 all the very best brother 👍😁
@@simplycomplicated-q7b Thank You So Much
Can i give in bengali?
I am not sure of that… But you can first ask them if you can or not.. If they understand and they allow you then you can give your interview in bengali
@@pranoyrai97 Okay bhaiya
Connect with me on telegram:
t.me/bankingstudy100
Can we give interview in other languages?
Yes, In English, Hindi and your regional language