Most Asked Interview Questions 02

Explain No frills account, BSBDA, PMJDY (PMJJBY, PMSBY)
What is Ombudsman? How can we approach it?
What are the types of risks in banking?
Liquidity risk vs credit risk
Biggest risks for banks
Need of KYC
KYC recent guidelines
Brown label ATMs
Onsite vs offsite ATMs

Total seats in Bihar elections
Major contenders and seats
Your support?
Major promises by parties
Major challenges in Bihar

How has ChatGPT impacted School education?
Effect of ChatGPT on Google
Should india develop its own AI tools?
Why isn't India able to develop one?
Future of AI
AI in banking - positive and negative

https://t.me/interview_lib

Corporate NPS Rule Change
(PFRDA interview)

1. Mutual Agreement for Fund and Scheme Selection
• Employers and employees must jointly decide the pension fund and investment scheme under the Corporate NPS model.
• The employer must conduct an annual review of the selected fund’s long-term performance before switching.

2. More Choice for Employees
• Employees can make voluntary contributions to other NPS schemes under the Multiple Scheme Framework, even if their employer contributes to a fixed corporate plan.
• Employees should have the ability to choose the risk level or investment option that suits their profile.

3. Compliance and Operational Requirements
• Corporates must coordinate with Points of Presence (PoPs) for NPS-related processes.
• They must ensure that Central Recordkeeping Agencies (CRAs) are informed of the mutually agreed investment decisions.

4. Optional Full Employee Autonomy
• Employers may choose to give employees complete authority to select their pension fund or investment scheme without requiring a mutual agreement.

https://t.me/interview_lib

PayU gets RBI nod to operate as payment aggregator

Most Asked Interview Questions 03

Difference between NRE vs NRO account
Types of accounts under NRE?
Tenure of Fixed deposit in FCNR
What is LIBOR, MIBOR
Explain Nostro vs Vostro account
Difference between Demat account and trading account
Which Broker has the maximum demat accounts

Difference between Debit vs credit card
What is CIBIL score
Explain Credit rating agencies
India's rising debt - reasons and solutions
Visa vs Mastercard vs rupay
Rupay is acceptable in how many countries?
Products of NPCI
UPI, UPI lite, upi123, etc (per transaction limit)
BHIM vs UPI
NEFT vs RTGS
IFSC va swift code
Image/Motif on ₹500/2000 note

Bill of exchange vs cheque
Drawer vs drawer vs payee
Order vs blank cheque
Post dates and pre dated cheque
Types of crossing on cheques
What is Endorsement of cheque
Do we need cheques in the age of internet banking?

How would the US tariffs affect India?
Our major imports and exports to India (trade surplus or deficit?)
World Cup - Men and women

https://t.me/interview_lib

NIACL AO Interview Experience

Interview date - 21 Jan 2025
Venue - delhi
Panel member - 4 ( 1 mam , 3 sir )
Wished the panel member they offered me seat
M beth hi rhi thi bole apne physics m bsc kia h I said yes sir
Insurance m ku aana chahte ho
What qualities do you have ki we hire u
It's a pan India job u don't have prblm in travelling
Hobby puche I said travelling is my hobby so I will have no issue in posting
Principal of insurance btao - utmost good faith detail explain kro
About insurance intermediaries
Ek leader m kya qualities expect krte ho
Apni speciality btao
Newton's k sare laws ekdm detail m btao
Defence ku ni join kia ? Insurance m ku aa gye
Abhi koi result waiting h
Ibps po m hua to jaoge
Insurance ku prefer krna chahte ho banking ki jgh
Kam bht jyada h officer level p kr paoge
About ur family 
Agr officer ban gye to apne bhai ko sath rkhoge ya nh
Gap year h 3 year ka kya kya kia isme
Kitne calm or patient ho
About motor insurance
Insurance ombudsman
Aisa lga hi nh interview chal ra h nrml bat chit
Panel ne samne se Hindi m bt krni shuru ki
Intro nh hua
I am satisfied now hope fr best

https://t.me/interview_lib

All the best for SBI PO Psychometric Test
Don't be nervous. You can't fail in this. Just be honest while answering the questions

Good luck 🤞

Finally Launching Our Crisp and Extensive Guidebook – “SBI PO 2025 Interview & GD/GE Capsule”
(Apologies for the delay — we wanted to cover every essential segment to give you the best possible preparation)

Why Do We Call It a Capsule?
Because it includes everything you need in one place:

✅ Interview Answering Strategy – Clear tips, do’s & don’ts
✅ All Important HR Questions – With sample answers
✅ 60 Most Important Banking Terms – Commonly asked in interviews
✅ Latest Current News & Burning Issues - From National News
✅ Most Important Government Schemes – From the past 2–3 months
✅ SBI-Specific News – Handpicked for maximum relevance
✅ Special Segment: Expected GD/GE Topics with updated facts & figures
✅ Complete Guide to Situation-Based Questions

Important Note
Everything included in this PDF is equally important for both the Interview and Group Exercise, even if we’ve organised the content under separate sections.
Also, our focus was fully on delivering high-quality content, not aesthetics. Kindly overlook minor grammatical, spelling, or formatting errors.

Price
₹199/- (No discounts — we have put a lot of efforts to bring such content that is specifically tailored for SBI PO 2025 Interview)

How to Access?
If interested, DM @Js_rbi.
A QR code will be shared with you personally.

Bonus Support
With this PDF, you will also receive one-on-one doubt support for every segment of your interview preparation — directly from selected candidates.

Good Luck!

For those requesting for PFRDA and NICL AO Capsule PDFs also

Currently we have no such plans, since SBI PO Capsule consumed a lot more time than we expected.

However, we will be conducting Mock Interview sessions for both from Next month 🙏

Most Asked Interview Questions 04

Various types of loans
Difference between Mclr vs base rate
What is Differential rate of interest
Explain Asset and liability
Difference between Mortgage, hypothecation, pledge

Fixed vs floating interest
What is EMI
Explain Indian youth's misuse of EMI option
Drawbacks of Buy now, pay later schemes

What are the various PSL sectors and their percentage
Explain PSL certificates
Latest guidelines related to PSL
Which committee recommended it?

History of Kumbh Mela, it's locations
Significance of Maha Kumbh
Security systems deployed by the Government

https://t.me/interview_lib

Roger Federer has been elected to the International Tennis Hall of Fame and will be inducted as part of the Class of 2026 in Newport, Rhode Island

The Olympic gold and silver medallist, who won 20 Grand Slam singles titles and 103 tour-level trophies

RBI Expected Notification

RBI Grade A: June/July 2026
Expected Vacancies: 100-200

(If not Grade A, then Grade B will continue. Decision still pending with management)

RBI Assistant: By Feb - March 2026

Source : Susheel Ragade

Common Doubt from many aspirants - Are the GD topics mentioned in the pdf sufficient?

Answer - No, they aren't. We have only chosen the most expected topics for that section, because we had to give points for and against all the topics, and adding more would have expanded the PDF unnecessarily.

Time's limited and we needed to make it concise.
So, other important topics have been directly included in the news portion.

Most Asked Interview questions 05

NPA and it's types
What can banks do to recover NPA?
India's current NPA issue
NPA of the bank in your first preference
SARFAESI
DRT and DRAT
NARCL vs IDRCL

Monetary policy committee
CRR vs SLR
MSF vs Bank rate
Open market operations who engages
Quantitative vs qualitative credit controls
Disinvestment vs privatisation
Letter of credit

Basel 1, 2 and 3
Pillars of Basel 2 and 3
Need for Basel
Any update on Basel 4?

https://t.me/interview_lib

New Initiatives to Improve the Public Distribution System (PDS)

1. ASHA (Anna Sahayata Holistic AI Solution)
An AI-based platform that collects beneficiary feedback on ration distribution through phone calls in regional languages.
Features include multilingual translation, sentiment analysis, automated grievance categorisation, and real-time dashboards for administrators.
Covers nearly 20 lakh beneficiaries a month.
Developed with support from advanced multilingual AI infrastructure.

2. Bhandaran 360
A digital warehouse management system.
Tracks storage conditions, inventory levels, and overall warehouse operations for food grains.
Aims to improve monitoring and reduce losses in storage.

3. Smart EXIM Warehouse System
A logistics optimisation tool for the movement of food grains.
Helps monitor import, export, and inter-state transportation under PDS.
Enhances efficiency and transparency in grain movement.

4. ANNA DARPAN
A comprehensive transparency dashboard.
Provides real-time data on ration distribution, functioning of Fair Price Shops, and overall scheme performance.