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Disclaimer :
This article is taken from the site www.gktoday.in & it is not my own creation.
This is a false notion of many of the candidates that- to impress the interview
board, one has to be aggressive. In the interview, your attitude, your confidence
and sincerity with which you communicate matters only. Many Candidates commit
the mistake of showing off their shallow knowledge or even negative frame of
Speaking more does not mean more chances of success. Some candidates have a
depth of understanding a question, speaking more than necessary will make you
The bottom-line is to BE YOURSELF. Don't make an effort to project what you are
not. What the interviewer is looking into you, are the traits of an employee, who
The reality is- in most cases the interview board has the casual atmosphere to
provide the candidates. The board is interested in knowing your attitude and
approach towards men and matters along with your outlook on life and your
The board is keen on judging the real persona in you and brings the best out of you.
Banking:
In Bank interviews not all questions are tricky and based upon finance and
economics. While the board looks for a flair of finance, business and economy in
the candidate, they can ask questions from every branch of activity including
political, social , economical to cultural and scientific. If you are appearing for a
Job Interview of a Clerical Post , they won't expect you to be a financial expert.
Similarly, if you are appearing in a Bank PO Interview, they may ask you some
basics of banking, yet you are not expected to know the answers of very difficult
questions such as various articles of negotiable instruments act or RBI act etc.
answers. However , you should know some basic definitions and terms related to
banking like repo rate, reverse repo rates, difference between them , their
application by RBI, latest rates and their impact on economy, open market
CRAR, Universal banking, narrow banking, retail banking, mobile banking, cross
Apart from this an insight into economical topics like demand, supply, markets,
In most Bank Interviews the panel is of 3-5 members. While 3 or 4 of them ask
you questions, one may watch your body language and confidence level.
Most bank interviews run for 5-15 minutes depending upon the response, depth of
• Number of Questions:
• The first usual question is "Introduce Yourself" or "Tell me something about you".
• Next one or two questions may be related to your family background such as your
parents and siblings, your marital status, kids if you are married.
• Next few questions would be aimed to judge your suitability and adaptability to
the job. Some common questions are " why you want to join banking? " or "You
are in marketing why don't you look for a marketing job? " or "You have done an
• The questions on your adaptability are thrown to you to judge whether you are fit
for changed circumstances. For example, they may ask you whether it will be
suitable for you, to join a rural branch of the bank? Girls may be specially asked if
• Types of banks
• Functions of banks,
Options, futures and forwards, Credit rating, merchant banking, Over seas
banking and home banking, personal banking, Various Loan Products, Plastic
• The best available source online for the above topics is RBI Common Man Site
This is a typical example. The possible right answer would be - being a student of
history, I understand the historical aspects of the present economic scenario of our
country. India has been subject to exploitation by the foreign powers for centuries its
impact is still reflected as widespread illiteracy and poverty in rural areas.
While it’s bit easy for a students with Management , Commerce and Economics background students
to easily correlate their academic background to the banking career, its bit difficult for graduates
A little bit imagination and creative answers can help to win the heart of the
interviewers easily.
• For example - the student with Geography background would co relate his subject
to banking in this way: "Our country is 7th largest country in the world and
uneven and so is banking. While there are good banking facilities available in the
bigger towns and cities, villages still lack of the basic banking services. "
• A student with sociology background can easily correlate the banking to his / her
• A science student can correlate his own academic subjects with banking by
psychology student can correlate his / her subject by discussing about the
• Typical Question: Are you joining the bank for a Job security?
This is a common question. Of course everybody knows that bank jobs are secure
jobs today, yet to tell the interviewer directly that you are joining the bank for a
job security would leave a negative imprint. Tell that apart from a secure job, you
are looking for a challenging job profile which makes you integral part of the
• Typical Question: Will you join if you are appointed to serve in a remote
village branch?
This is a very common question, mostly asked from Girls / ladies/ married people.
The answer has to be YES in any case, as any ifs and buts will give a negative
The best answer would be : Yes, I am ready to join a village branch because it will give me more
If you are married, you will be further told that you will have to leave your family will
that affect you. Your response has to be: Yes it will affect, but for me my career is
more important and after all i am doing for the sake of my family.
Sometimes a hypothetical situation is given to you and the interviewer may ask
you to suggest a strategy. These types of questions may be related to social and
political problems of the country as a whole. For example they may ask you
• The questions depend upon the mood of the interviewer and also the background,
attitude of the candidate. Please note that for clerical posts, there are more direct
more.
The examiner does not expect a solution of a socio economic problem. These are
ubiquitous problems and even the political powers are unable to solve them.
However the idea of the interviewer is to judge your depth of current affairs
The people who regularly read newspapers, particularly editorials & columns can
express their opinions about the social and economic issues. However if you don’t
find it suitable to read editorials and columns then here is a short cut trick to
Every news paper has a “Readers Letters” column on its editorial page. Choose a Newspaper with more
number of “Readers Letters”. Just go through all “Readers Letters” everyday and you will easily develop
your own opinion by reading other people’s opinion about a particular topic
You have to tell your name and place where you live. Your last degree/ job. You
may also mention your university / college and your last company where you
worked. You may or may not mention your family background. No need to tell
This question may or may not be asked. Sometimes they ask you to judge your
growing children if you are married, serving wife, parents who are old and need
care.
nobody from services background and you belong to a moderate business family,
• Please Note:
You have to be careful about your family business because next question may be
- why don't you join your family business? A responsible and just answer is
expected. If you exaggerate about your own business and give an impression that
you are from a rich family - it will be a negative imprint. They don't hire people
Don't tell them that you are looking for a safe job. Mention that it is a challenging
industry, one of the fastest growing sector. Talk about India's recent trends in
Banking.
If you are already in a job, you may expect this question. The answer may vary
from person to person, but you should not complain about your past job, your
past boss or company. If you are in sales, don't tell them that you don't enjoy
field job. They look for ambitious people and so tell them that your ambitions can
be fulfilled in banking industry. Tell them that your past job was not challenging
and was a mere typical 10 to 5 job which you did not like.
While you are free to mention any of your strengths including you being a
adventure lover, bold, extrovert, sociable and its easy for you to win friends, be
careful about your weaknesses. Tell a weakness that indicates a strength. For
example, you mention that office politics makes you nervous and reduces your
productivity. Mention that you cannot work without pressure. You need pressure
to work more. Good food may be your weakness which does not affect your
professional life. If you have some weakness which may affect your job, you will
You have to tell them that you prepared honestly for your selection and confident
of your success. You should be selected because you have sincerely done your
duty to prepare for the written exam and clear it with your own perseverance.
If not selected? Tell them that you are going to reappear in the exam with more
confidence.
If selected you will be happiest person because you are going to join a
professional organization. Don't tell them directly, what you will do if not selected.
Mention that you are 100 % confident about your success. if the interviewer
persists on your not getting selected tell him , that you will again prepare and re
appear whenever a similar vacancy exists in this bank or another bank because
Tell them that you prepared reading various newspapers, books. Next question
Hobby questions must be answered carefully. This is because the hobby related
answers always give rise to cross questions. For example if you said that you love
listening to music, you MUST know something about the music you love. If you
tell them that you love Indian classical music and don't know about Pandit Jasraj
this means you are telling a lie. Similarly, if you tell, reading is your hobbey, you
may be asked about particular books you have read. In other words, you should
have a general knowledge about your hobby. Further, Its not correct to say that
1. Be confident
2. Believe in yourself