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 👆
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Interview Library
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…
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.. 🙏
Be informed that we are working on it, and will release it after the release of Mains results.. 🙏
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Final_Web_Notice_on_Result_Recruitment_of_Local_Bank_Officers_2024.pdf
133.9 KB
Indian Bank LBO Final Result Out
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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.
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.
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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
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
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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
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
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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
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
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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
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
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Those who have appeared for the Interview, kindly share your experience in Comments or @Js_rbi 🙏
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New Labour Codes – Key Highlights (Effective 21 Nov 2025)
The Government of India has consolidated 29 labour laws into 4 major Labour Codes to modernise India’s labour framework and make it worker-centric.
👉The Four Labour Codes
1) Code on Wages, 2019
2) Industrial Relations Code, 2020
3) Code on Social Security, 2020
4) Occupational Safety, Health & Working Conditions Code, 2020
👉Why These Reforms Were Needed
✓Old laws were outdated (mostly from 1930s–1950s).
✓Definitions and compliances were fragmented across 29 laws.
✓Gig workers, platform workers, and unorganised sector remained largely uncovered.
✓Lack of uniformity in wages, safety norms, and social security.
✓Low formalisation of workforce and limited protections for contract workers.
👉Major Changes Introduced
1) Unified and Worker-Centric Framework
✓Mandatory appointment letters for all workers.
✓Universal minimum wage applicable to all occupations.
✓Single registration, single licence, and single return for employers.
2) Social Security Expansion
✓Wider coverage for PF, ESIC, maternity benefits, disability benefits.
✓Inclusion of gig workers, platform workers, and unorganised workers.
✓Aadhaar-linked portable benefits across jobs.
3) Better Protection for Women
✓Women allowed to work in all sectors, including night shifts, with safety conditions.
✓Equal pay for equal work.
✓Mandatory representation in safety and grievance committees.
4) Fair Treatment of Contract & Fixed-Term Workers
✓Equal pay and working conditions as permanent workers.
✓Gratuity eligibility after 1 year for fixed-term employees.
✓Mandatory annual health check-up for contract workers.
5) Improved Worker Safety & Conditions
✓Standardised working hours.
✓Better health, safety and welfare provisions across hazardous industries, mines, plantations, IT/ITES, MSMEs, and export units.
👉Impact on India’s Labour Market
✓Social security coverage increased from 19% (2015) to 64% (2025) and expected to grow further.
✓Boost to formalisation, transparency, and worker welfare.
✓Supports women’s workforce participation.
✓Aligns India’s labour system with global standards.
✓Balances worker rights with industrial flexibility, creating a modern and future-ready labour ecosystem.
Source :- https://t.me/interview_lib
The Government of India has consolidated 29 labour laws into 4 major Labour Codes to modernise India’s labour framework and make it worker-centric.
👉The Four Labour Codes
1) Code on Wages, 2019
2) Industrial Relations Code, 2020
3) Code on Social Security, 2020
4) Occupational Safety, Health & Working Conditions Code, 2020
👉Why These Reforms Were Needed
✓Old laws were outdated (mostly from 1930s–1950s).
✓Definitions and compliances were fragmented across 29 laws.
✓Gig workers, platform workers, and unorganised sector remained largely uncovered.
✓Lack of uniformity in wages, safety norms, and social security.
✓Low formalisation of workforce and limited protections for contract workers.
👉Major Changes Introduced
1) Unified and Worker-Centric Framework
✓Mandatory appointment letters for all workers.
✓Universal minimum wage applicable to all occupations.
✓Single registration, single licence, and single return for employers.
2) Social Security Expansion
✓Wider coverage for PF, ESIC, maternity benefits, disability benefits.
✓Inclusion of gig workers, platform workers, and unorganised workers.
✓Aadhaar-linked portable benefits across jobs.
3) Better Protection for Women
✓Women allowed to work in all sectors, including night shifts, with safety conditions.
✓Equal pay for equal work.
✓Mandatory representation in safety and grievance committees.
4) Fair Treatment of Contract & Fixed-Term Workers
✓Equal pay and working conditions as permanent workers.
✓Gratuity eligibility after 1 year for fixed-term employees.
✓Mandatory annual health check-up for contract workers.
5) Improved Worker Safety & Conditions
✓Standardised working hours.
✓Better health, safety and welfare provisions across hazardous industries, mines, plantations, IT/ITES, MSMEs, and export units.
👉Impact on India’s Labour Market
✓Social security coverage increased from 19% (2015) to 64% (2025) and expected to grow further.
✓Boost to formalisation, transparency, and worker welfare.
✓Supports women’s workforce participation.
✓Aligns India’s labour system with global standards.
✓Balances worker rights with industrial flexibility, creating a modern and future-ready labour ecosystem.
Source :- https://t.me/interview_lib
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Interview Library
New Labour Codes – Key Highlights (Effective 21 Nov 2025) The Government of India has consolidated 29 labour laws into 4 major Labour Codes to modernise India’s labour framework and make it worker-centric. 👉The Four Labour Codes 1) Code on Wages, 2019 2)…
Very Important for all Interviews ✍
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Prime Minister Narendra Modi proposed six new initiatives aimed at global development at the G20 Leaders’ Summit in Johannesburg, South Africa
These include :-
1. The setting up of a Global Traditional Knowledge Repository
2. Africa Skills Multiplier program
3.Global Healthcare Response Team
4. Initiative on Countering the drug-terror Nexus
5. Open Satellite Data Partnership
6. and a Critical Minerals Circularity initiative.
These include :-
1. The setting up of a Global Traditional Knowledge Repository
2. Africa Skills Multiplier program
3.Global Healthcare Response Team
4. Initiative on Countering the drug-terror Nexus
5. Open Satellite Data Partnership
6. and a Critical Minerals Circularity initiative.
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SBI PO INTERVIEW - IMPORTANT SBI RELATED QUESTIONS
History of SBI. Its functions.
MD/CEO/Chairman
Number of branches/ATMs/customers
Previous year annual report.
Last quarter results.
NPA related information
Subsidiaries of SBI
Important SBI schemes/deposits
Other major banks after SBI
Why SBI? Why not RBI?
About YONO? Problems with YONO?
Changes needed in SBI/Indian banks
Any prominent personality in SBI whom you follow
https://t.me/interview_lib
History of SBI. Its functions.
MD/CEO/Chairman
Number of branches/ATMs/customers
Previous year annual report.
Last quarter results.
NPA related information
Subsidiaries of SBI
Important SBI schemes/deposits
Other major banks after SBI
Why SBI? Why not RBI?
About YONO? Problems with YONO?
Changes needed in SBI/Indian banks
Any prominent personality in SBI whom you follow
https://t.me/interview_lib