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.

Most Asked Interview Questions 06

What is hot money?
Hot money vs fiat money
What is reserve money
Narrow vs broad money

Narrow banking vs universal banking
Shadow banking
NBFCs come under which category of banking?
Neo banks example

Functions of RBI
Subsidiaries of RBI
Which committee recommended RRBs?
Nabard purpose
Meaning of refinance
Lead bank schemes committee
Recent news of lead bank
Midra loans limits
Difference between bank and NFBC
Payment vs small finance banks
Total PB/SBF

https://t.me/interview_lib

Even if you are reading Headlines of the news posted here regularly, they will help you immensely in Interviews or GDs. So don't miss 👆

We are getting multiple requests for IBPS PO Interview Capsule too.
Be informed that we are working on it, and will release it after the release of Mains results.. 🙏

Indian Bank LBO Final Result Out

What are Special Economic Zones (SEZs) –

Special Economic Zones (SEZs) are designated areas within a country that operate under a set of special economic regulations different from the rest of the country. These zones are created to promote trade, investment, and economic growth by offering various incentives to businesses.

Key Features of SEZs
✔ Liberal Economic Laws – Different from regular business regulations to attract investment.
✔ Tax Benefits – Exemptions from various taxes such as GST, customs duties, and income tax (for a certain period).
✔ World-Class Infrastructure – High-quality facilities for businesses, including transport, power, and telecom.
✔ Simplified Compliance – Easier approval processes for setting up businesses and exports.
✔ Export-Oriented – Most businesses in SEZs focus on manufacturing and exporting goods and services.
Objectives of SEZs
✔ Boost foreign investment and encourage domestic industries.
✔ Promote employment generation and skill development.
✔ Enhance export performance by providing a globally competitive business environment.
✔ Facilitate the growth of specific industries like IT, manufacturing, and pharmaceuticals.

...
Major SEZs in India
Santacruz Electronics Export Processing Zone (Mumbai) – India’s first SEZ, focusing on electronics.
Kandla SEZ (Gujarat) – One of India’s oldest and most successful SEZs.
Noida SEZ (Uttar Pradesh) – A major IT and electronics hub.
Mundra SEZ (Gujarat) – A large private-sector SEZ operated by Adani Group.
Sri City SEZ (Andhra Pradesh) – A key manufacturing and logistics hub.

...
SEZ vs. Free Trade Zone (FTZ)
SEZs allow both manufacturing and service-based industries, while FTZs focus mainly on trade and warehousing.
SEZs offer long-term benefits like tax holidays and infrastructure, while FTZs are often short-term trade zones.

Note:- IFSCA may also be considered a type of SEZ.

EPFO: For PFRDA Interview

1. About EPFO
EPFO is a statutory body under the Ministry of Labour & Employment, Government of India.

It administers three major schemes under the Employees' Provident Funds and Miscellaneous Provisions Act, 1952:
✓Employees' Provident Fund (EPF)
✓Employees' Pension Scheme (EPS)
✓Employees' Deposit Linked Insurance Scheme (EDLI)

2. Vision
To provide universal social security coverage and ensure a smooth and digital experience to members.

3. Mission
To extend the reach and quality of Provident Fund services while ensuring compliance and effective fund management.

4. Organizational Structure
Headed by the Central Provident Fund Commissioner (CPFC).
Zonal offices, regional offices, and district offices across the country.

5. Key Functions
✓Maintaining individual accounts of members.
✓Ensuring timely remittance of contributions by employers.
✓Facilitating online services: claim settlement, KYC update, passbook, UAN generation, etc.
✓Regulatory oversight of establishments for compliance.

6. Universal Account Number (UAN)
✓UAN is a unique number for EPF members that links multiple Member IDs.
✓Helps track EPF accounts when employees change jobs.

7. Digital Initiatives
✓UMANG App integration for EPF services.
✓Online claim filing and grievance redressal through EPFiGMS.
✓Aadhaar linking for ease of access.

8. Coverage
✓EPFO covers establishments with 20 or more employees.
✓Has over 27 crore accounts (including active and inactive members).

9. Investment Guidelines
✓EPFO invests a portion of its funds in equity (via ETFs), government securities, and bonds as per MoL&E guidelines.
✓Has a conservative investment approach compared to NPS.

10. Comparison with NPS
✓EPF is defined benefit, while NPS is defined contribution.
✓EPFO manages retirement benefits for salaried employees.
✓NPS Trust caters to both private and government employees.

https://t.me/interview_lib

Some Basic information related to IPO:

What is an IPO?

An Initial Public Offering (IPO) is the process through which a private company offers its shares to the public for the first time, allowing investors to buy ownership in the company. This transition from a privately held entity to a publicly traded company is done to raise capital for expansion, debt repayment, or other corporate purposes. The shares are listed on a stock exchange after the IPO, enabling public trading.

The rules for an Initial Public Offering (IPO) in India are governed by SEBI (Securities and Exchange Board of India) under the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018.

1. Who Can Invest in an IPO?
• Retail Individual Investors (RII): Indian residents investing up to ₹2 lakh.
• Non-Institutional Investors (NII) / HNIs (High Net-worth Individuals): Investors investing above ₹2 lakh.
• Qualified Institutional Buyers (QIBs): Includes mutual funds, banks, insurance companies, FPIs, etc.
• Foreign Portfolio Investors (FPIs): Can invest under prescribed SEBI limits.
• Employees and Shareholders: Some IPOs offer reserved quotas for company employees or existing shareholders.

2. Investment Limits and Quotas
• Retail Individual Investors (RII): Up to ₹2 lakh per IPO. Minimum 35% of IPO is reserved for them.
• Non-Institutional Investors (NII): Above ₹2 lakh investment. Minimum 15% of IPO is reserved.
• Qualified Institutional Buyers (QIBs): No upper limit. Minimum 50% of IPO is reserved.
• Anchor Investors (part of QIBs): Must invest at least ₹10 crore (for an IPO size of ₹250 crore+).
• Employees (if applicable): Can invest up to ₹5 lakh (with discounts if offered).

3. Pricing and Allotment Rules
• IPOs can be Fixed Price or Book Building (where investors bid in a price range).
Allotment preference:
• Retail investors get a lottery-based allotment if the IPO is oversubscribed.
• HNIs and QIBs get proportional allotment based on bid size.

4. Lock-in Periods
• Promoters & Pre-IPO Shareholders: Locked in for 6 months to 3 years.
• Anchor Investors: Locked in for 30 days (50% of shares) and 90 days (remaining 50%).
• Retail Investors: No lock-in; they can sell on listing day.

5. Other Important Rules
• A company must have at least 3 years of profitability to launch an IPO (or meet alternative eligibility criteria).
• IPO applications require a Demat account.
• SEBI allows only ASBA (Application Supported by Blocked Amount) for IPO applications—funds are blocked in the bank account until allotment.

https://t.me/interview_lib

NIACL AO INTERVIEW EXPERIENCE

21-01-25
1st Sir
1. So you have done graduation in chemistry back in 2019. What were you doing in these years?
2. Tell me about three insurance principles.
3. What is the principal of indemnity?
4. What are some General Insurance products?
5. Is there a policy for natural disasters in NIACL?
6. What are these natural disasters called in Insurance parlance?
7. What are your skills?
8.What are your hobbies?
9.Are you comfortable in working anywhere in India?
10. Which department under NIACL would you prefer to work?
11.Have you appeared for any other examination?
12. What will you choose? Those other jobs or NIACL?
13.Why will you choose NIACL?

Ma'am
1. What is sum insured?
2. What is the Solvency ratio?
3.What is the IRDAI prescribed ratio?
4. Give me an example of some natural calamities?
5. Do you know about a place in the news that is under any such calamity?
6. Name of any ore of copper?(Bg)
7. What's IRDAI'S vision for the insurance sector?
8. What is insurance penetration?

2nd sir
1. What is Insurance Ombudsman?
2. What is the amount of grievances it looks into?
3. Brass is an alloy of what metals?(bg)
4. Explain Exothermic reaction.(bg)

3rd Sir
1. Are you still preparing for upsc?
2. Did you quit or your attempts there got exhausted?
3. Who is current chess world champion?(hobby related)
4. What award was he conferred to recently?
Thankyou.

https://t.me/interview_lib

Lakshya sen clinches Australian open

The government plans to introduce a bill in the upcoming Winter session of Parliament to raise the foreign direct investment (FDI) limit in the insurance sector to 100 per cent from the current cap of 74 per cent, according to a Lok Sabha bulletin.

The Bill is also expected to empower IRDAI to specify lower entry capital (not less than ₹50 crore) for under-served segments on a special case basis. At the same time, requirement of Net Owned Funds for foreign re-insurers is proposed to be lowered to ₹1,000 crore from ₹5,000 crore