As we all are aware, Common Interviews process PO CWE Phase IV is over and the process for Clerical

CWE Phase IV is set to be held in February 2015. By now, all the candidates have received their
Interview call letters and Must be knowing their Interview centres.
A few things are meant to be kept in mind by all the shortlisted candidates looking forward for this
Interview Process are

Reach On Time
o

Candidate Must reach well before time. Make sure to reach 2 hours before
commencement of Interviews as mentioned in the admit card as there are a few
formalities to be completed before you may appear before the interview panel.

Bring all Original Documents

o

Make sure to bring all the Original documents for verification purpose. Please note that
you will not be allowed to appear in the Interview if Original documents of 10th Graduation are not bought along.

In case you don't have the Original degree of graduation - Then bring marksheets of
all the semesters/ years and you will have to sign an Undertaking for submitting the
degree at the time of Joining any of the allotted banks if you succeed in the selection
process. But all other original documents should be kept with you.

Be prepared to wait 2 - 3 Hours.

The Interview
Interview will begin and you shall face 3 - 4 senior bankers that might be from IBPS or any of the
participating banks. Relax and take your seat with a smile on your face.
Keep in mind that they know that you are capable of holding this job as you have already cleared the
written test. Now all the matter comes down to just one thing - Do you really want to work in a Bank ??.
All the Interview will revolve around this one question and you have to make them feel that yes you really
want to be a bank clerk and are not motivated by any other external factor (Even if you are :) ).
Okay, now the first question will be - Tell us something about yourself ??.
Go through this article and sample questions and answers to gain some really helpful and proven tips that
will help you succeed.
1. Tell us Something about Yourself ??
o

Here, Do not read all the data in your resume and also do not go too deep about telling
about your parents, village and grand parents etc. For example, avoid answers like- "My
village name is XYZ which come under XYZ District. My school name was XYZ
school etc....."

How to Answer

Be natural and calm. Speak Slowly and Tell them about your strengths,
achievements and passions etc. This question should not take more than 3

Minutes to be answered. Always Keep in mind that they know that you are
capable as you have already cleared the written test, now you have to show
them your suitability and genuine desire for this job and make the interviewer feel
that you are the right person as a bank clerk.
2. What are your Strengths and Weaknesses ?
o

This is again a very commonly asked question. The Interviewer here wants to analyze
how much you know of yourself.

How to Answer

You should mention your strengths that are beneficial for them. For example, It
should not be like "I am a very good cricket Player", Rather you should focus
on strengths that are related to that job. For example, "I have good
communication skills" Or "I Like Interacting with people" Or "I am good at a
analyzing Problems and working in a team to find out appropriate
solutions".
Weaknesses :- You should not say that you do not have any Weakness. It shows
that either you are Overconfident or have not assessed yourself and don't want to
talk about it.

Similarly do not say phrases like "I am short tempered" Or "I get angry very
soon and can do anything in anger". Rather you should genuinely mention the
areas that are related to your professional life and you are trying to get better at
them. For exampl, "I Would want to get better at managing time and
increasing my productivity"
3. Where do you see yourself after five years from now?
o

Here The interviewer wants to know your knowledge about career path in the job and
what is your level of commitment to the job they are offering.

How to Answer

Answe it realistically and do not say - "I will be in your seat after five years".
Rather you should answer in such a way that ensures that you are interested in
making a long-term commitment towards the bank job and will have a long term
and mutually beneficial association with them.

For example "I am interested in making a long-term commitment to my next

position of Officers Of Higher level. I realize my skills will really help me
serve the bank and attract more customers and business. I will do my job
to the best of my abilities. I am confident that here i will have opportunities
to advance my skills and provide best of my services to the organization.

4. If you are working, why you want to leave your current job ?
o

Remember not to criticize your Current Job or company here.

How to Answer

I am really excited and attracted by the social and financial security in the
banking sector and moreover, the high recent growth opportunities in banking
really motivated me to opt for it as my career.

5. If you have done B.Tech. or any other technical course then this question will surely be asked to
you - Why a low paying Bank Clerk Job after B.Tech. when you can get more salaries in
Private sector working as an engineer ?
o

How to Answer

Here The interviewer wants to know your level of willingness of working in a

bank.

Never straight away say that "I did not get a job in Private sector" or "There is
lot of stress in Private jobs and government jobs are less intense and more
flexible."

Do not answer in such a way so that the interviewer would feel that you want to
avoid work and so want to quit private and join government sector.

Rather you should answer It realistically to show your genuine desire of working
in a bank. You may say you are here due to high degree of attraction in the
banking sector due to recent Positive economical changes and India's
emergence as economical power.

Remember, You should manipulate your answer to prove that your engineering
degree would be beneficial for you in interacting with people and creating more
business relationships for Banks.

6. What is your father's Job Background ?

o

Here the Interviewer wants to know how stable has your father's career has been so far.

How to Answer

Its Tricky question. Here you must indicate the Positives of your father's career
and avoid mentioning the downs if any were there as it might reflect in your
career and perception also towards your work. Make sure to mention clearly his
job background and smoothness and stability that has been there throughout
your father's career.

7. If you get a better job in Public Sector (IAS/PCS Etc.), will you leave us ?
o

How to Answer

I really want to join bank and if i get selected, my all energy will be directed to my
growth as a banker and serve to best of my ablities. Switching to a job of same
level in another industry like SSC after getting good experience in banking does
not make sense to me.

Still, everyone likes to be in a better position so if i get an opportunity in much

higher scales like IAS, PCS then i will leave bank, otherwise i shall continue as a
dedicated banker all my life.

8. Why should we Hire you as a Banker ?

o

How to Answer

Interviewer wants to know your suitability for the job so in this question you
should tell about your Strengths and achievements so far. You should
mention your strengths so that they would come to know your fitness for the job.
Do not say something which is not true about you. Remember that the
Interviewers are very Experienced and they will realize if you are saying truth
or just trying to Outsmart them. Avoid using phrases like "This is the Best
Company" or "I want to work in this field."

Instead, try to mention good things about you that are related to that job and this
will surely prove your usefulness.

9. Answering the Puzzles type Questions!

o

Although not so common, Puzzles type questions may be asked to anyone in any
Interview. Here the interviewer doesn't really want to hear exact answer from you
rather they want to see if you are able to analyze the correct problem or are you just
trying to hurry up without taking the time to analyze and putting some effort. They just
want to see your practical approach that will be useful during you job period.

So If asked any puzzle type question, you should not Hurry up in telling the answer
even if you know it. Even if you do not know the answer (and even can not find the
answer), do not hurry up in saying NO. Rather you should draw the picture of problem on
a paper(even if you know the answer) and take some time to analyze it (ask them if you
do not understand it correctly). It will make them feel that you believe in analyzing the
client requirement before reaching to any conclusion, which is a must.

So you should answer these questions by taking time, drawing it and asking them for
clarifications. This will surely fill the interviewer's purpose.
So by far we have covered almost all of the general questions that are asked to almost all of the
candidates in Banking Interviews. Make sure that you make them feel that you want to join bank as it
your inner desire, not due to the fact that you just want to escape pressure and stress of Private
sector.
Now, as it is a banking Job Interview, you must be prepared to face up with some 5-10 questions related
to banking and current affairs.
70% of your Interviewed is decided on the basis of the general mentioned questions and 30% is your
technical knowledge of banking and current affairs.
For current affairs, stay updated to all of recent important Appointments and Summits (Our current
affairs section will help you surely).
A few banking related questions that are most widely asked are

What are NPA (Non-Performing Assets), how can u use technical knowledge in correcting the
balance sheet?

How Can NPA be reduced ?

What are FDI (Foreign direct investment) and FII (Foreign institutional investors) and what is the
difference in these.

For unemployed people, which plans are addopted by government ?

RBI Governors, Deputy Governors and Current Chiefs of all Indian Important Financial Agencies.

Headquarters of Indian Government Banks.

Financial Inclusion and government steps for it - Jan Dhan Yojana Etc.

What steps the Recent PM Narendra Modi Government for better ment of Indian Economy.

How to Fight Inflation and Current Indian Scenario about Inflation.

RBI Key Monetary Policy Rates and their Current Value.

Difference between Bill of Exchanges and Certificate of Deposit, Cheques, Demand Drafts and
other Money Market Instruments.

Electronic Clearing of Cheques.

Types of Bank accounts and Interest rates offered under each.

What was the Headline in Today's Newspaper?(Main Page and Financial Page Both).

What are functions of Banks and How does banking effect the economy of the country?

Difference between Fiscal and Monetary Policy ?

Number of Districts in Your and Nearby States ? Governor, Chief Minsiter and Other Ministers of
Your State (Like Education, Tourism Ministers )?

Latest Noble Prize Winners, Padam Awards Winners, Miss India, Miss World Miss Universe Etc.

How is Future growth of commercial banks in India and any hurdles to it ?

Banks VS NBFCs (Non Banking Finance Companies) ?

Questions About current five year plan and Newly formed NITI Aayog.

Direct and Indirect Taxes In India.

Important People of India - Chief of Planning Commission and Election Commission Etc. CM and
Governors of All States.

RBI's Role in Economy.

Important Banking Terms o

GAAR (General Anti - Avoidance Rule) and GST (Goods and Service Tax)

CAR (Capital Adequacy Ratio)

Balance Sheet and NPA ?

BASEL Norms (Basel 1,2,3)

Banking Regulation Act, Money Laundering, Financial Inclusion

SARFAESI ACT (The Securitisation and Reconstruction of Financial Assets and

Enforcement of Security Interest Act)

Roles of RBI, NABARD, SEBI, IRDA.

Bank Account Types and Rate of Interests on Them

CTS (Cheque Truncation System )

What is INFLATION ? It is good or Bad ?and how can it be controlled ?

What is FDI ?Is it Good or Bad ? Limit of FDI in various Sectors in India ?How is it
Different From FII ?

What is Stock Exchange ? How many are there in India ? Number of Shares on NSE and
BSE ?

Remember that although you know these terms and current affairs related to banking and common
issues, yet these questions do not play a big role in determining your selection or rejection. Even if you do
not know an answer, genuinely say "NO Idea Sir!" rather than wasting time and trying to fool them with
random answers, It's just not worth it!
Although you should not memorize any of above sample texts and should say it in your words to convey
the idea which is to prove your usefulness!!.This will surely make them believe that you are a fit for this
job!!
Although we've presented comprehensive list of commonly asked questions but still the list is endless and
you may be asked anything other than these. To succeed, you should keep in mind that you have to sell
you professional side, show them that you are useful and you will surely be Hired!!

The 5 most common questions about yourself asked during an interview are:
Question directly related to you asking you about yourself: This is the most
common question and candidates tend to make miserable mistake at this one. Instead
of just replicating ones resume the panel one should show about ones strength,
passion, achievements and any other positive points. One should definitely pay
attention to the question and answer accordingly and also show them your interest in
the job.
Why did you choose banking as your career?
Through this question the panel seems to take the reason why one likes to join
the banking sector and not the other related field as per hisqualification. So doing a fair
bit of research on the banking sector will help one in presenting a good answer to the
interview board. One could say that this sector is one such platform where one has the
opportunity to learn and grow at the same time in addition to this sector is less affected
by various economic conditions of the nation like recession, depression or slowdown etc.
The opportunity to grow is vast here.
Question related to banking sector and current developments
In this case a particular question is hard to frame so one has to be aware of the recent
developments in the banking sector in order to secure a permanent seat in the bank of
your dream. There are various books available in the market in addition the internet
boon which could help you to get proper knowledge of this sector. One should definitely
go through the recent guidelines of the RBI and its various banking policies. Lastly do

not give and stupid answer if you do not know the answer as it might make a bad
impression on the board.
10 most common questions asked in every interview
Your future plans and its relation to the development or growth of your bank?
Through this question the panel will try make out how you are expected to benefit the
bank from your employment. One could answer that he/she will endeavour to make
their clients and their satisfaction is the top most priority of the bank. He/she will always
maintain the professional code of conduct and will serve the bank the best way it wants.
He/she, being fully dedicated to the working of the bank, will genuinely help the bank in
its path to growth. It will be the top priority to develop personally and contribute to
banking development.
Do not be puzzled with the puzzled type question: The interview may not only ask
bank related question but also test your problem skill with your logical reasoning skill
with any type of puzzled question. The question will test your approach to a problem
and how practically you will solve it. Even if you do not know the correct answer one
must not be in hurry but should take time and analyze before reaching to a conclusion.
One can get clarification if one wants from the board.

The main hurdle initially to get to the desired banking post is the written exams which is
really tough nut to crack which is followed by a common interview where many
candidates tend to make terrible blunder and get eliminated in the process due to lack
some basic knowledge of an interview. A candidate may make several mistakes
while appearing for interview but knowing some of the basic mistakes which
generally a candidate may make will give them an upper edge and help them clearing
the interview successfully with minimal mistakes.
There could be several mistakes that could be made but here is a list of 7 big
mistakes that candidate should be avoided in order give a lasting impression on
the recruiter. They are enlisted below:
Inadequate or zilch knowledge of banking arena: It is an obvious fact that any
recruiter will like to have his prospective employee, some knowledge of the sector in
which he is going to work especially where money is involved. Hence one should get
accustomed to as many banking related knowledge and terminologies that one can. In
order to help gain such knowledge many books are available in the market. On the
other hand there also various websites that is especially dedicated to help such
candidates grab such knowledge.

Never over depends on others experience: This one of the common mistakes that
a candidate tend to make where they over rely on others experience and reply to
question asked in an interview in the same manner. This is detrimental to their image as
recruiters dont want people who copy. One can learn from an experience but thinking
he/she knows all the facts are very harmful.
Why choose banking job: One of the many frequently asked question in an interview
is this one where many candidates fail to impress the recruiters due to lack of
awareness of ones need. This question may be asked umpteen times in an interview
but the best answer cannot be copied at every interview as every interview is different.
So its best to search answer form within your needs than from others needs.
Nervousness: One common physical condition that affects ever candidate during an
interview is nervousness. A mere glance of the selectors may run into your nerves but
one has to keep his cool and answer accordingly and to the point only. If you dont know
the answer one should be brave enough to admit it rather giving them some non-sense
stuff.
Knowledge of the Current affairs and GK: This part will test you every time,
whether you attend a written exam or an interview. So in order to enhance your
knowledge in this one could go through newspaper or read GK oriented books.
Looking presentable: No matter what type of an interview you may appear for
looking presentable always sends out a good vibes to the panel and one would already
made an impression. So one should dress accordingly to suit the situation and here
many tend to fail.
What you want: This also an important question that is asked frequently so one
should definitely has a clear goal set in his mind as to what he wants from the banking
job and where should it take him in future.
The above mistakes that almost every candidates done while going to IBPS interview.
Avoid the above mistakes to get success in IBPS interview. Please share your IBPS
interview experience with us, it will be very helpful for others. So be ready for the
next IBPS clerkinterview 2015.

IBPS CLERK INTERVIEW QUESTIONS

Interviews are very important for a candidate.He must showcase
himself and prove his candidature.Typically IBPS clerk interviews are
of 15 minutes duration.Many candidates that they do not get enough
time in IBPS clerk interview.But you can not change it.So it is better to

be well prepared and answer first few questions correctly and with
confidence.
Questions can be different for each candidate appearing in IBPS Clerk
interview.Questions depend upon qualification of candidate, his
background and also panel taking interview.Different panel have
different questions.
But there are certain questions which are asked to most of the
candidates.I will be listing such questions below along with
answers.Also different questions can be clubbed into groups like
current affairs,business knowledge (banking related
questions),General Awareness and situational questions.I will also be
listing these questions below along with answers.
I am listing some common questions asked to candidates in IBPS
clerk interview.

IBPS CLERK INTERVIEW QUESTIONS

BASED ON YOUR PROFILE
Question 1 .Introduce yourself / Tell me about you
There is greater chance that your first question is tell me about
yourself or introduce yourself.They want to know about your
backgroud and other details with this question.Many interviewers use
answer of this question to ask second question.If you are in a panel
focusing on HR questions then this is must question.
How to write the Answer?
You must include below details in order to frame answer for above
question

Your personal information.This includes your name,father

name,number of brothers and sisters,mother name and
your residential place.
o
Your Educational details.You should include name of your
school or Board.In case you have good marks then mention
it else do not mention marks.
o
Your Work Experience if any
o
Any additional qualification like diploma or certification
in computers
o
Extra curricular activities if you have won awards then
mention it.
o
Your hobby if any
Things to remember
You should not take more than 5 mins to answer this question.You
should write down the answer first.Then try too read it out with a
clock in front.Check the time taken to answer it.First question is most
important one.A good answer to this question makes good
impression.This also brightens your chances of clearing interview.
o

Question 2 .Questions on your hobby and extra curricular

activities
Sometimes interviews do ask questions about your hobby and extra
curricular activities.They assume that you should be able to answer
questions related to your hobby.This is really important.So prepare
well for questions related to your hobby.
Question 3 .Questions related to your family
It sometimes gets very interesting as well as irritating for
candidates.Lets say your father is a business man.Then they will say

Why do not you join your fathers business instead of joining as Bank
Clerk.Again if your brother is in different occupation then they might
say Why instead of choosing that career you are selecting IBPS Clerk?
Through these questions they really want to know the reason of
joining as Bank Clerk.
Question 4 .Questions related to your education
Questions related to education arises if
o
o
o

you have gap in education.

you have gap after your last degree.
you have good marks in 10th or 12th but nor so good in
graduation or other way around.

IBPS CLERK INTERVIEW QUESTIONS

GENERAL BANKING

You are going to work as Bank Clerk after selection.So you should
have decent knowledge of Banking industry.So knowledge of common
banking terms and terminology is mandatory.They will not ask you
complicated things or terms but be prepared to face common banking
questions as mentioned below
Difference between Check and Draft?
o
What is overdraft?
o
Common banking terms and definitions like RTGS,NEFT
o
Difference between debit card and credit card
I have created a document of banking questions and answers.The
document includes answers to above questions and also others along
with answers.
o

QUESTIONS ASKED TO OVER QUALIFIED

CANDIDATES IN IBPS CLERK INTERVIEW
IBPS clerk eligibility criteria is graduation with 55% marks.Now many
candidates with Masters degree (MA ,MCOM ,MSc,MCA,MBA) and
professional graduation degree like (BTECH,BE) are also appearing
for this post.Candidates belonging to above education background
have to face a question on this.They might ask you
Why you want this job after doing above degree?
o
You will leave this job after getting better opportunity.
o
Have you applied for other jobs as well?
I have not included the answers for these questions as answers will
differ for each one of you.You should not give common answer as they
will immediately understand.Your reason should match your profile
and look realistic.
o

QUESTIONS ASKED TO EXPERIENCED

CANDIDATES IN IBPS CLERK INTERVIEW
Many candidates appearing for this exam already have job.They might
be working in private sector or government sector.In case you are
working in government sector then you will have to show no objection
certificate.They might ask below questions to experienced candidates
Why are you leaving your current job?
o
if your current job package is more than they will ask
why you want to join low paying job?.
o
If your job is not related to banking then they might ask
a question on this as well
Please read above point for answers related query.
o

CURRENT AFFAIRS QUESTIONS ASKED IN

IBPS CLERK INTERVIEW
Some panels in IBPS Clerk interview do ask current affairs
questions.Candidates should read newspaper to prepare for these
questions.You can also watch news for this purpose.Current affair
questions can be clubbed into below groups
o

Banking questions Any new announcement related to

Banking made by RBI (Reserve Bank of India).This is indeed
very important as they expect you to be in touch with
latest banking updates.You will be joining this industry so
you should know these things.
City based questions They may ask you questions on
your hometown.These questions may not be i true sense
current affairs questions.These questions are asked to
check your knowledge about your city and locality.
Other major events Out of world questions are
sometimes asked but they do not expect you to answer all
of them but if you do you have advantage.It is god thing to
scan latest headlines for last one month before interview
date.They might ask you few on these.

LOCAL LANGUAGE QUESTIONS ASKED IN

IBPS CLERK INTERVIEW

Candidates having knowledge of local language are given

preference.If you have applied for a state then you should have
working knowledge of that state local language.They do test your local
language knowledge so it is better not to lie about it.IBPS Clerk

interview panel will check your local language knowledge using

below methods
Read a paragraph from local language news paper or
from a book.They do provide you the newspaper or
book.This tests your reading skill.
o
Then they will ask you to make them understand
meaning of the paragraph you read.You can use your
mother tongue or English for that purpose.This tests
whether you understand the language.
o
They might ask you to write something in local
language.This test is not often carried out but they may
ask you for it.
Candidates having no knowledge of local language should prepare for
it.They do get preference over candidates with no knowledge of local
language.
o

SCENARIO BASED QUESTIONS ASKED IN

IBPS CLERK INTERVIEW
You can face scenario based questions in IBPS clerk
interview.Interviewers try to judge your decision making capability
using these questions.I am giving you one example.You and your best
friend joined same Bank.Your best frined told you that he used wrong
educational documents to get selected.Your friend is very poor.Now
what will you do?

OTHER QUESTIONS ASKED IN IBPS CLERK

INTERVIEW

There are many questions depending upon your profile.Without

getting a view of your profile it is difficult to tell questions to be
asked.Above questions are standard ones you should prepare.Good
answer to above questions leads to success.

HOW TO PREPARE ANSWERS FOR IBPS

CLERK INTERVIEW QUESTIONS
Follow below steps in order to prepare answers for these questions.
o
o

o
o

You should prepare your resume first.This is important.

After creating resume write down all the questions which
comes in your mind.These are resume based questions (HR
questions you are going to face in Interview).
After listing all the questions write down the answers.You
can take help of your teachers or parent or me in case of
any issues.
Get the answers reviewed by anyone knowledgeable.
This will help you get your answers right as well as help
you find out questions asked based on these answers.
Start reading the answers and practice them hard.This is
important for your confidence.
Now read Banking questions and newspaper for current
affairs questions.
Read local language if you do not have knowledge of it.

IBPS CLERK INTERVIEW BOOK

Many candidates have asked for IBPS Clerk interview book.In case
you are interested in the book you can buy it online with good
discount.It would cost you less.You can buy the book with below link.