APY is a flagship social security scheme of the Government of India administered by PFRDA, aimed at providing social security to Indians, particularly the poor and underprivileged.
Launched on May 9, 2015, the scheme is open to citizens aged 18–40 years with a savings bank account (except income-tax payers from 1st October 2022)
The scheme guarantees a minimum monthly pension of Rs 1,000 to Rs. 5,000 after the subscriber turns 60, with the same amount payable to the spouse after the subscriber’s demise and the accumulated pension wealth given to the nominee after both pass away.
Contributions are made through auto-debit at monthly, quarterly, or half-yearly intervals until age 60, and if returns are inadequate to fund the guaranteed pension, the shortfall is met by the Government.
APY surged from 1.54 crore enrolments in March 2019 to 8.27crore subscribers by October 5, 2025.
For FY 2024-25, Jharkhand, Bihar, and Tripura were recognized as top-performing states in the APY for their SLBCs
(By: Aparchit)
Launched on May 9, 2015, the scheme is open to citizens aged 18–40 years with a savings bank account (except income-tax payers from 1st October 2022)
The scheme guarantees a minimum monthly pension of Rs 1,000 to Rs. 5,000 after the subscriber turns 60, with the same amount payable to the spouse after the subscriber’s demise and the accumulated pension wealth given to the nominee after both pass away.
Contributions are made through auto-debit at monthly, quarterly, or half-yearly intervals until age 60, and if returns are inadequate to fund the guaranteed pension, the shortfall is met by the Government.
APY surged from 1.54 crore enrolments in March 2019 to 8.27crore subscribers by October 5, 2025.
For FY 2024-25, Jharkhand, Bihar, and Tripura were recognized as top-performing states in the APY for their SLBCs
(By: Aparchit)
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Key Questions Asked in SBI CBO Interview 2025
MSME Sector:
What are MSMEs, and how do they contribute to the Indian economy?
What are the major hurdles faced by MSMEs in the current scenario?
What measures can banks and the government take to improve MSME access to finance?
Supply Chain Finance:
Explain the concept of supply chain finance and its relevance to MSMEs.
How can banks strengthen their role in supply chain financing?
Priority Sector Lending (PSL):
What is PSL, and why is it important for the Indian banking system?
Under PSL, how is housing loan classification determined?
Digital Banking and Product Awareness:
What are the recent innovations in SBI’s digital banking segment?
How do SBI’s digital products help in financial inclusion and customer satisfaction?
Interest Rate Concepts:
Why are personal loan interest rates higher compared to housing loan rates?
How does risk assessment influence lending rates?
Current Affairs and General Awareness Questions
The panel also included questions from recent events to assess candidates’ general awareness and ability to connect economic and social developments with banking. Some examples include:
Questions on Asia Cup Hockey and Commonwealth Games 2030, testing awareness of sports and national achievements.
Queries related to India’s economic growth, inflation trends, and RBI’s monetary policies.
Situational and Personality-Based Questions
Why haven’t you been promoted in your current role yet?
If joining SBI results in monetary losses, would you still prefer this position?
MSME Sector:
What are MSMEs, and how do they contribute to the Indian economy?
What are the major hurdles faced by MSMEs in the current scenario?
What measures can banks and the government take to improve MSME access to finance?
Supply Chain Finance:
Explain the concept of supply chain finance and its relevance to MSMEs.
How can banks strengthen their role in supply chain financing?
Priority Sector Lending (PSL):
What is PSL, and why is it important for the Indian banking system?
Under PSL, how is housing loan classification determined?
Digital Banking and Product Awareness:
What are the recent innovations in SBI’s digital banking segment?
How do SBI’s digital products help in financial inclusion and customer satisfaction?
Interest Rate Concepts:
Why are personal loan interest rates higher compared to housing loan rates?
How does risk assessment influence lending rates?
Current Affairs and General Awareness Questions
The panel also included questions from recent events to assess candidates’ general awareness and ability to connect economic and social developments with banking. Some examples include:
Questions on Asia Cup Hockey and Commonwealth Games 2030, testing awareness of sports and national achievements.
Queries related to India’s economic growth, inflation trends, and RBI’s monetary policies.
Situational and Personality-Based Questions
Why haven’t you been promoted in your current role yet?
If joining SBI results in monetary losses, would you still prefer this position?
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ISRO's LVM3-M5 rocket, nicknamed 'Bahubali', has successfully launched the 4,410 kg CMS-03 (GSAT-7R) communication satellite from the Satish Dhawan Space Centre in Sriharikota.
This marks the launch of the heaviest satellite to be sent into a Geosynchronous Transfer Orbit (GTO)from Indian soil.
The mission aims to provide services across a wide oceanic region and the Indian landmass.
This marks the launch of the heaviest satellite to be sent into a Geosynchronous Transfer Orbit (GTO)from Indian soil.
The mission aims to provide services across a wide oceanic region and the Indian landmass.
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The Indian women's cricket team kept its date with history by winning its first-ever World Cup with a 52-run victory over South Africa to script a golden chapter in the country's pantheon of sporting achievements at the DY Patil Stadium in Navi Mumbai
Winner Prize Money: The winning Indian team was given an all-time high prize money of 4.48 million (around Rs 37.3 crore) which indicates a 239 percent growth over the last time.
Runner-up Prize Money: South Africa was given 2.24 million dollars (around Rs 18.6 crore), which is more than two-fold of what it used to pay out as rewards to the runner-ups.
The 2025 ICC Women's Cricket World Cup was the 13th edition of Women's Cricket World Cup. It was India's fourth time hosting the World Cup after the 1978, 1997 and 2013 editions.
This was jointly hosted by India and Sri Lanka
Winner Prize Money: The winning Indian team was given an all-time high prize money of 4.48 million (around Rs 37.3 crore) which indicates a 239 percent growth over the last time.
Runner-up Prize Money: South Africa was given 2.24 million dollars (around Rs 18.6 crore), which is more than two-fold of what it used to pay out as rewards to the runner-ups.
The 2025 ICC Women's Cricket World Cup was the 13th edition of Women's Cricket World Cup. It was India's fourth time hosting the World Cup after the 1978, 1997 and 2013 editions.
This was jointly hosted by India and Sri Lanka
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State Bank of India has launched 'SBI STAR', an annual award recognizing employees' excellence beyond professional roles in arts, sports, social work, and more.
This initiative aims to celebrate the diverse talents and personal accomplishments of its over 2,45,000 employees, fostering a culture of recognition and pride.
This initiative aims to celebrate the diverse talents and personal accomplishments of its over 2,45,000 employees, fostering a culture of recognition and pride.
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SIDBI GRADE A 2022 Interview Experience
There were 4 panel members 3 males and 1 female member I was in 2nd slot and my chance came almost at 5:30-6pm there were 2 panels and hmara panel double time le rha tha as compared to another panel
My interveiw panel was very coordial, aaj tk k sare interveiws me ye log sb se cool the
They started with my basic details like graduation kb kiya, what's famous in my city and all
Then as I told about the banking exams so they were like then your banking part must be good
So they started asking questions based on silicon valley crisis
And they were checking my understanding
Jaise SVB crisis me unhone teir 1 capital, teir 2 capital k components kya hote, bond yeild interest rate me relation
PCA h to kyo h kaise kam krta h
Non fund based facilties kya hoti h unhe whi kyo bolte h
Net present value kya hoti h
Listed and unlisted company ka valuation kaise krogi
Sidbi ka promotional and developmental role kaise kam krta h
Street vendor h usko loan dena h kya check kroge Pura step wise btao.. Phir isi pe cross questions
And few more questions on the similar lines jo abi yad nhi a rhe
Board members were chill but unko bookish answers nui chahiye the mai kuch b bol rhi thi wo har cheez me check kr rhw the ki mai bs nam le rhi hu or do I have understanding to unhe simple language me answers chahiye the jaise bachche ko samjhate h waise and usi pe they were cross questioning
At the end they were like aise cabin me baithne nhi milega gali gali me jake loan dena hoga, and then they said abi to tum choti hu but whenever you get married tell this ki your job is transferable, phir mai jati uske phle 1 sir bolte ki apke pas dusre jobs b h
To I said I will choose sidbi over those, to another sir was like Aapne dusre jagah b yhi bola hoga.. To I started explaining how sidbi is better so one of the sir was like aap bhot bolte ho aapko energy chahiye phle aap chocolate le lo chocolate le lo 😂😂and that's how the interveiw got over
Interview score - 96/100
Final result - Selected 🏆
https://t.me/interview_lib
There were 4 panel members 3 males and 1 female member I was in 2nd slot and my chance came almost at 5:30-6pm there were 2 panels and hmara panel double time le rha tha as compared to another panel
My interveiw panel was very coordial, aaj tk k sare interveiws me ye log sb se cool the
They started with my basic details like graduation kb kiya, what's famous in my city and all
Then as I told about the banking exams so they were like then your banking part must be good
So they started asking questions based on silicon valley crisis
And they were checking my understanding
Jaise SVB crisis me unhone teir 1 capital, teir 2 capital k components kya hote, bond yeild interest rate me relation
PCA h to kyo h kaise kam krta h
Non fund based facilties kya hoti h unhe whi kyo bolte h
Net present value kya hoti h
Listed and unlisted company ka valuation kaise krogi
Sidbi ka promotional and developmental role kaise kam krta h
Street vendor h usko loan dena h kya check kroge Pura step wise btao.. Phir isi pe cross questions
And few more questions on the similar lines jo abi yad nhi a rhe
Board members were chill but unko bookish answers nui chahiye the mai kuch b bol rhi thi wo har cheez me check kr rhw the ki mai bs nam le rhi hu or do I have understanding to unhe simple language me answers chahiye the jaise bachche ko samjhate h waise and usi pe they were cross questioning
At the end they were like aise cabin me baithne nhi milega gali gali me jake loan dena hoga, and then they said abi to tum choti hu but whenever you get married tell this ki your job is transferable, phir mai jati uske phle 1 sir bolte ki apke pas dusre jobs b h
To I said I will choose sidbi over those, to another sir was like Aapne dusre jagah b yhi bola hoga.. To I started explaining how sidbi is better so one of the sir was like aap bhot bolte ho aapko energy chahiye phle aap chocolate le lo chocolate le lo 😂😂and that's how the interveiw got over
Interview score - 96/100
Final result - Selected 🏆
https://t.me/interview_lib
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SIDBI Grade A interview experience 2023
27/04/2023
8:30 am
Mumbai panel 1
Second to go.
Chairman: Tum graduation ke baad se kya kar rahi ho? Told. Then asked have you got an offer from somewhere? I said yes, PNB.
Ek sir mere right side ke: You came before as well na?
I said yes, this is my second interview at SIDBI. He asked what are your learnings from last year? Maine kaha mai nervous ho gayi thi. Mera first interview tha. He said okay and smiled.
Chairman again : why not electronics? Why banking?
Why sidbi?
Situation based questions to test my leadership quality and multitasking from psychometric test.
Jab unhe realise hua ki yes coherance hai toh he left it there only
Sir from my left side : What is difference between QIBs and HNIs.
Ma'am: family background batao. Father ke business ke baare mein pucha ki kitna production daily hota hai. Purchase kitna hai. Area kitna hai. Wahape kyu nahi jaana chahti? Small businesses can do very good. Why not there?
PNB and sidbi ki almost salary same hai. Yahape kyu aana hai?
Maine kaha sidbi mein jyada hai. She said nahi hum starting mein kam dete hai. Maine kaha no issues ma'am. I ll be able to manage my own expenses in that salary. Sidbi kyunki sidbi ka work nature alag hai and wo sab discussion.
Sir on the right: Kya padh ke aaye ho? Mane kaha sidbi and msme related sab. District centre visit kiya and branch bhi. Toh smiled and asked last year pucha isliye? Maine kaha nahi sir. Last year aisa kuch pucha nahi tha. Mai general ground knowledge ke liye gayi thi. Then asked kya kya hua sidbi branch mein? Kyu gayi thi? As a customer or as a candidate? Maine kaha generally gayi thi. Just to ask few doubts. To uske baare mein casual discussion.
Tumhara shop ka business badhana hai to kya kya karogi. Uspe ek lamba discussion.
Then asked food shop ke liye kaunsa licence lagta and kaun issue karta hai
Then all said okay done👍
Ma'am: one last question, shaadi ka kuch chal raha ghar pe? Maine kaha nahi
Toh asked agar kanyakumari posting di humne to bologe mummy nahi aa rahi to mai bhi nahi jaungi?
Maine kaha jaungi agar mere expenses manage ho rahe hai khudse.
Interview score - 93/100
Result - Selected
https://t.me/interview_lib
27/04/2023
8:30 am
Mumbai panel 1
Second to go.
Chairman: Tum graduation ke baad se kya kar rahi ho? Told. Then asked have you got an offer from somewhere? I said yes, PNB.
Ek sir mere right side ke: You came before as well na?
I said yes, this is my second interview at SIDBI. He asked what are your learnings from last year? Maine kaha mai nervous ho gayi thi. Mera first interview tha. He said okay and smiled.
Chairman again : why not electronics? Why banking?
Why sidbi?
Situation based questions to test my leadership quality and multitasking from psychometric test.
Jab unhe realise hua ki yes coherance hai toh he left it there only
Sir from my left side : What is difference between QIBs and HNIs.
Ma'am: family background batao. Father ke business ke baare mein pucha ki kitna production daily hota hai. Purchase kitna hai. Area kitna hai. Wahape kyu nahi jaana chahti? Small businesses can do very good. Why not there?
PNB and sidbi ki almost salary same hai. Yahape kyu aana hai?
Maine kaha sidbi mein jyada hai. She said nahi hum starting mein kam dete hai. Maine kaha no issues ma'am. I ll be able to manage my own expenses in that salary. Sidbi kyunki sidbi ka work nature alag hai and wo sab discussion.
Sir on the right: Kya padh ke aaye ho? Mane kaha sidbi and msme related sab. District centre visit kiya and branch bhi. Toh smiled and asked last year pucha isliye? Maine kaha nahi sir. Last year aisa kuch pucha nahi tha. Mai general ground knowledge ke liye gayi thi. Then asked kya kya hua sidbi branch mein? Kyu gayi thi? As a customer or as a candidate? Maine kaha generally gayi thi. Just to ask few doubts. To uske baare mein casual discussion.
Tumhara shop ka business badhana hai to kya kya karogi. Uspe ek lamba discussion.
Then asked food shop ke liye kaunsa licence lagta and kaun issue karta hai
Then all said okay done👍
Ma'am: one last question, shaadi ka kuch chal raha ghar pe? Maine kaha nahi
Toh asked agar kanyakumari posting di humne to bologe mummy nahi aa rahi to mai bhi nahi jaungi?
Maine kaha jaungi agar mere expenses manage ho rahe hai khudse.
Interview score - 93/100
Result - Selected
https://t.me/interview_lib
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