IBPS CLERK IV INTERVIEW --FEBRUARY 2015 -- MECHANICAL ENGINEER--good one
Hello every one,this time i came up with my clerk interview,i had
already post my bank po interview experince on this blog,now lets
start...
I entered there,as usual 5 persons were there,1 lady and 4 gents,i greet the lady first..
They told me to sit,
I said thanks and sit on the chair
Saradaji asked first ques-sab theek hai na??
Me-yes sir,sab theek hai
Madam took the charge
She-aap paramjit ho,peecho kya lgate ho singh??
Me-no mam,my name is paramjit yadav,but m sirf paramjit hi likhta hu
She-aisa kyun??
Me-mam 10 ke docs se yhi chal rha hai,mene change nhi kiya,mismatch naa ho jaaye...
She-okk,aapne btech ki hai,mechanical se,campus placement nhi hui aapki
Me-nhi mam nhi hui
She-company hi nhi aayi,yaa aapki nhi hui??
Mam-1-2 company aayi thi,but mera nhi hua
She-acha,fir apne field m nhi try kia aapne?
Me-no mam,mene btech krte hi competitive exam ki prep shuru kar di thi,last year bhi exam diya tha bank ka
She-okk,tab se hi prep kar rhe ho
She asked pan card ka naam suna hai,bank m kya use hai iska??
Me-mam agar hme 50000 se jyada paise jma krane hai to hme pan card dikhana hoga and agar hme share ki trading krni hai to demat account khona pdega,usje liye pan card jaruri hai
She-okk,aap krte ho share ki trading,demat account hai aapka??
Me-nhi,mam mera sirf saving account hai
Now a young sir took the charge
He-aap bank m jaana chate ho,what is bank??and bank kya karta hai??
Me-bank accept the deposit for the purpose of lending
He-bank loan kyu deta hai?
Me-sir,bank gives the loan to the needy people,agar bank loan nhi dega to vo bahar se loan lenge on very high interest rate,so bank gives them loan on resonable rates,bank unke upliftment m helpful hai
He-okk,bank profit kaise kmata hai??
Me-sir vo logo se kam rate pe paise leke,use jyada rate pe lend krte hai,they also took service charges like for atm,issuing drafts,net banking etc etc
He-bank loan me psl ka naam suna hai aapne??
Me-yes sir,bank ko 40 percent loan priority sector ko lend krna pdta hai..
Now another sir interupted,kis cheez ka 40 percent??
Me-apne ndtl ka(i dont know its correct or not)
Young sir asked-psl m kon kon aata hai??
Me-agriculture,weaker section.
He-education bi aata hai kya??
Me-yes sir education loan bi aata hai
Now sardar ji asked-aapne education loan liya,aapki job nhi lgi aap loan kaise doge,bank ka paisa to doob jaayega
Me-thoda confuse ho gya,sir loan liya hai to chukana to padega hi
Sardarji-kaise aapne loan nhi diya to,bank koi securit leta hai kya edu loan pe
Me-yes sir security to lega hi loan pe(i dont know it),but told them sir security to lega bank..
He-kitne percent pe leta hai security bank??
Me-i didnt understand the question and told them,ye to nhi ota sir mujhe
He-chalo koi baat nhi
Now again madam took the charge
She-rbi ke baaro m btao
Me-it is the central bank of india,bankers bank,bank to govt,issue monetory policy,issue currency notes..
She-rbi ne kitne din pehle monetory policy review ki thi??
Me-exact date to yaad nhi hai but 10-12 din ho gye(my interview is on 12th feb)
She-kya hua usme??
Me-sir slr 21.75 percent hui hai then suddenly say sorry its 21.50 hai...
She-usse se pehle bi kuch hua hai
Me-yes,crr 7.75 hui thi,the i again say sorry mam its repo rate which is 7.75 percent hai..
They all are laughing..
Then one sir sat in the corner asked me question first time-bank m hi kyon aana chahte ho??
Me-sir good growth oppurtunity hai,job satisfaction hai,ache promotion hai..
Sardarji asked-bank retirement age kitni hai??
Me-60,later i thought its 62..
He-okk
Now madam asked-deposit kitne types ke hai??
Me-mam,current account,saving account,time deposit,reccuring deposit
She-what is rd??
Me-mam,rd me hum monthly fixed amount deposit krte hai and mature hone par hme principal and interset milta hai..
Then she told me thank you paramjit..
They all also say thank you
Me also say thank you very much..and came out of the room
There 1-2 ques also which i didnt recollect ryt now
This is my actual interview,the words,the question are same..
Now please rate it sir..
MY RATING
HE HAS DONE WELL. confidence level is good. -- 18+ out of 20. best wishes
I entered there,as usual 5 persons were there,1 lady and 4 gents,i greet the lady first..
They told me to sit,
I said thanks and sit on the chair
Saradaji asked first ques-sab theek hai na??
Me-yes sir,sab theek hai
Madam took the charge
She-aap paramjit ho,peecho kya lgate ho singh??
Me-no mam,my name is paramjit yadav,but m sirf paramjit hi likhta hu
She-aisa kyun??
Me-mam 10 ke docs se yhi chal rha hai,mene change nhi kiya,mismatch naa ho jaaye...
She-okk,aapne btech ki hai,mechanical se,campus placement nhi hui aapki
Me-nhi mam nhi hui
She-company hi nhi aayi,yaa aapki nhi hui??
Mam-1-2 company aayi thi,but mera nhi hua
She-acha,fir apne field m nhi try kia aapne?
Me-no mam,mene btech krte hi competitive exam ki prep shuru kar di thi,last year bhi exam diya tha bank ka
She-okk,tab se hi prep kar rhe ho
She asked pan card ka naam suna hai,bank m kya use hai iska??
Me-mam agar hme 50000 se jyada paise jma krane hai to hme pan card dikhana hoga and agar hme share ki trading krni hai to demat account khona pdega,usje liye pan card jaruri hai
She-okk,aap krte ho share ki trading,demat account hai aapka??
Me-nhi,mam mera sirf saving account hai
Now a young sir took the charge
He-aap bank m jaana chate ho,what is bank??and bank kya karta hai??
Me-bank accept the deposit for the purpose of lending
He-bank loan kyu deta hai?
Me-sir,bank gives the loan to the needy people,agar bank loan nhi dega to vo bahar se loan lenge on very high interest rate,so bank gives them loan on resonable rates,bank unke upliftment m helpful hai
He-okk,bank profit kaise kmata hai??
Me-sir vo logo se kam rate pe paise leke,use jyada rate pe lend krte hai,they also took service charges like for atm,issuing drafts,net banking etc etc
He-bank loan me psl ka naam suna hai aapne??
Me-yes sir,bank ko 40 percent loan priority sector ko lend krna pdta hai..
Now another sir interupted,kis cheez ka 40 percent??
Me-apne ndtl ka(i dont know its correct or not)
Young sir asked-psl m kon kon aata hai??
Me-agriculture,weaker section.
He-education bi aata hai kya??
Me-yes sir education loan bi aata hai
Now sardar ji asked-aapne education loan liya,aapki job nhi lgi aap loan kaise doge,bank ka paisa to doob jaayega
Me-thoda confuse ho gya,sir loan liya hai to chukana to padega hi
Sardarji-kaise aapne loan nhi diya to,bank koi securit leta hai kya edu loan pe
Me-yes sir security to lega hi loan pe(i dont know it),but told them sir security to lega bank..
He-kitne percent pe leta hai security bank??
Me-i didnt understand the question and told them,ye to nhi ota sir mujhe
He-chalo koi baat nhi
Now again madam took the charge
She-rbi ke baaro m btao
Me-it is the central bank of india,bankers bank,bank to govt,issue monetory policy,issue currency notes..
She-rbi ne kitne din pehle monetory policy review ki thi??
Me-exact date to yaad nhi hai but 10-12 din ho gye(my interview is on 12th feb)
She-kya hua usme??
Me-sir slr 21.75 percent hui hai then suddenly say sorry its 21.50 hai...
She-usse se pehle bi kuch hua hai
Me-yes,crr 7.75 hui thi,the i again say sorry mam its repo rate which is 7.75 percent hai..
They all are laughing..
Then one sir sat in the corner asked me question first time-bank m hi kyon aana chahte ho??
Me-sir good growth oppurtunity hai,job satisfaction hai,ache promotion hai..
Sardarji asked-bank retirement age kitni hai??
Me-60,later i thought its 62..
He-okk
Now madam asked-deposit kitne types ke hai??
Me-mam,current account,saving account,time deposit,reccuring deposit
She-what is rd??
Me-mam,rd me hum monthly fixed amount deposit krte hai and mature hone par hme principal and interset milta hai..
Then she told me thank you paramjit..
They all also say thank you
Me also say thank you very much..and came out of the room
There 1-2 ques also which i didnt recollect ryt now
This is my actual interview,the words,the question are same..
Now please rate it sir..
MY RATING
HE HAS DONE WELL. confidence level is good. -- 18+ out of 20. best wishes
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