Some IBPS PO interview candidates recently appeared for SBI PO Interview as well, and have this doubt - How different are both these Interviews?
Answer - It's not possible to determine the difficulty level, since this is a highly subjective matter, and depends on the panelists.
For some SBI is tougher, for others, IBPS.
However, based on our experience, you can expect the Questions to be less analytical in nature.
Obviously, SBI related questions are not important. (The only possibility is - Why not SBI?). Try to cover questions related to Top Three Banks of your preference.
• You need to focus on your background.
• Basic understanding of Banking Awareness might not be sufficient.
• Give special focus on HR questions. Almost every candidate struggles here.
Good Luck
Answer - It's not possible to determine the difficulty level, since this is a highly subjective matter, and depends on the panelists.
For some SBI is tougher, for others, IBPS.
However, based on our experience, you can expect the Questions to be less analytical in nature.
Obviously, SBI related questions are not important. (The only possibility is - Why not SBI?). Try to cover questions related to Top Three Banks of your preference.
• You need to focus on your background.
• Basic understanding of Banking Awareness might not be sufficient.
• Give special focus on HR questions. Almost every candidate struggles here.
Good Luck
👍9❤1
Interview Library pinned «IBPS PO 2025 – MOCK INTERVIEW DETAILS Panelists: Two professionals from Regulatory organisations Duration: 45-60 minutes Platform: Google Meet Fee: ₹499 per session (Payment via UPI; QR code will be shared upon confirmation in a personal message) Availability:…»
Lok Sabha Passes Central Excise (Amendment) Bill 2025 – Key Highlights
The Lok Sabha has passed the Central Excise (Amendment) Bill, 2025 and the Health and National Security Cess Bill, 2025, creating a new tax system for sin goods such as tobacco, cigarettes, and pan masala. These laws are meant to replace the GST Compensation Cess, which ends on March 31, 2026, while ensuring continued revenue for public health and national security.
Objective of the Amendment
✓Ensure revenue continuity after the GST compensation cess ends.
✓Maintain high taxation on demerit goods such as tobacco and pan masala.
✓Redirect tax proceeds toward public health and national security.
✓Support repayment of loans taken during COVID-19 for compensating states.
Background
✓GST was introduced in July 2017 with a promise to compensate states for revenue loss.
✓This compensation was funded through a cess on sin and luxury goods.
✓Initially meant to end in 2022, the cess was extended till March 31, 2026 to repay pandemic-related loans.
✓Cess on most luxury goods ended in September 2025, but it continued for tobacco and pan masala.
✓The new excise-cess system will now replace the outgoing compensation cess.
What the New Laws Propose
1️⃣ Central Excise (Amendment) Bill, 2025
✓Introduces a fresh central excise duty on tobacco products, including:Cigarettes, cigars, cheroots, hookah tobacco, zarda, scented tobacco
✓₹5,000–₹11,000 per 1,000 cigarette sticks, depending on length
✓60–70% duty on unmanufactured tobacco
✓100% duty on nicotine and inhalation products
✓This duty will apply in addition to the existing 40% GST rate.
2️⃣ Health and National Security Cess Bill, 2025
✓Introduces a new dedicated cess on:
✓Pan masala
✓Any other products the government may notify later
The revenue will be used exclusively for:
Public health programmes
National security funding
This cess is not shareable with states.
Broader Impact & Significance
Ensures the overall tax burden on sin goods remains unchanged after the cess expires.
Continues the policy of discouraging harmful goods through high taxation.
Helps maintain fiscal discipline and repay pandemic-era loans.
Aligns India with global best practices of using taxes on health-risk products for social welfare.
https://t.me/interview_lib
The Lok Sabha has passed the Central Excise (Amendment) Bill, 2025 and the Health and National Security Cess Bill, 2025, creating a new tax system for sin goods such as tobacco, cigarettes, and pan masala. These laws are meant to replace the GST Compensation Cess, which ends on March 31, 2026, while ensuring continued revenue for public health and national security.
Objective of the Amendment
✓Ensure revenue continuity after the GST compensation cess ends.
✓Maintain high taxation on demerit goods such as tobacco and pan masala.
✓Redirect tax proceeds toward public health and national security.
✓Support repayment of loans taken during COVID-19 for compensating states.
Background
✓GST was introduced in July 2017 with a promise to compensate states for revenue loss.
✓This compensation was funded through a cess on sin and luxury goods.
✓Initially meant to end in 2022, the cess was extended till March 31, 2026 to repay pandemic-related loans.
✓Cess on most luxury goods ended in September 2025, but it continued for tobacco and pan masala.
✓The new excise-cess system will now replace the outgoing compensation cess.
What the New Laws Propose
1️⃣ Central Excise (Amendment) Bill, 2025
✓Introduces a fresh central excise duty on tobacco products, including:Cigarettes, cigars, cheroots, hookah tobacco, zarda, scented tobacco
✓₹5,000–₹11,000 per 1,000 cigarette sticks, depending on length
✓60–70% duty on unmanufactured tobacco
✓100% duty on nicotine and inhalation products
✓This duty will apply in addition to the existing 40% GST rate.
2️⃣ Health and National Security Cess Bill, 2025
✓Introduces a new dedicated cess on:
✓Pan masala
✓Any other products the government may notify later
The revenue will be used exclusively for:
Public health programmes
National security funding
This cess is not shareable with states.
Broader Impact & Significance
Ensures the overall tax burden on sin goods remains unchanged after the cess expires.
Continues the policy of discouraging harmful goods through high taxation.
Helps maintain fiscal discipline and repay pandemic-era loans.
Aligns India with global best practices of using taxes on health-risk products for social welfare.
https://t.me/interview_lib
❤4
IBPS PO Interview Experience
(Prabha Nandhini)
I entered the room by greeting the panel members. There were 3 male and 1 female in the panel. They started the interview in tamil( my state language). I was comfortable throughout the interview.
1.Asked me about the city I come from(coimbatore)
2. Why banking? Why not become an entrepreneur?
3. Transformer
4. Transistor
5. Transmission voltage in India
6. Depreciation
7. Consortium financing
8. RTI act
9. Cibil
10. Fintech
11. Ombudsman
12. Negotiable instruments
The interview went for around 5 minutes maximum. I thanked them and left the room. I am happy with my performance and hoping for a good score
Interview score : 90/100 🏆
Selected ✅
https://t.me/interview_lib
(Prabha Nandhini)
I entered the room by greeting the panel members. There were 3 male and 1 female in the panel. They started the interview in tamil( my state language). I was comfortable throughout the interview.
1.Asked me about the city I come from(coimbatore)
2. Why banking? Why not become an entrepreneur?
3. Transformer
4. Transistor
5. Transmission voltage in India
6. Depreciation
7. Consortium financing
8. RTI act
9. Cibil
10. Fintech
11. Ombudsman
12. Negotiable instruments
The interview went for around 5 minutes maximum. I thanked them and left the room. I am happy with my performance and hoping for a good score
Interview score : 90/100 🏆
Selected ✅
https://t.me/interview_lib
❤12
Interview Library
IBPS PO 2025 – MOCK INTERVIEW DETAILS Panelists: Two professionals from Regulatory organisations Duration: 45-60 minutes Platform: Google Meet Fee: ₹499 per session (Payment via UPI; QR code will be shared upon confirmation in a personal message) Availability:…
Please check this post for all Mock Interview related doubts 🙏
👍2
Final Result_Recruitment of Officer Grade A 2025.pdf
389.4 KB
PFRDA GRADE 'A' Final Result Out
IndiGo Flight Disruptions Explained
India’s largest airline, IndiGo, faced massive cancellations and delays after the final phase of the new Flight Duty Time Limitation (FDTL) norms came into effect. With over 60% domestic market share, IndiGo couldn’t adjust its operations fast enough, causing its on-time performance to crash to 19.7% on December 3, one of its worst records.
Why IndiGo Was Hit Harder
1️⃣ Large Scale + High-Frequency Network
• IndiGo runs the largest fleet and busiest daily schedule.
• Any crew shortage multiplies across hundreds of flights.
2️⃣ Heavy Dependence on Night & Early-Morning Flights
• IndiGo dominates time slots most affected by the new fatigue-reduction rules.
3️⃣ Lean Crew Utilisation Model
• IndiGo operates with very high crew and aircraft utilisation.
• When flying hours were restricted, it lacked backup staff to absorb the impact.
Why Other Airlines Suffered Less
• Many competitors have grounded aircraft waiting for retrofits.
• Some are facing delayed aircraft deliveries.
• These situations left them with extra pilot capacity, giving them more flexibility to comply with fatigue limits.
Key Changes Under the New FDTL Norms
• Weekly rest increased: 36 → 48 hours
• Night landings capped at 2 per week (earlier 6)
• Definition of “night time” extended by 1 hour
These rules significantly tightened scheduling freedom, especially for night-heavy airlines like IndiGo.
Implementation Timeline & Industry Pushback
• Proposed for June 2024, but airlines requested more time, more hiring, and phased rollout.
• DGCA implemented it in two phases under court monitoring:
✓ Phase 1 (July): Weekly rest extended — IndiGo handled this.
✓ Phase 2 (Nov): Night-time restrictions — this triggered major disruption.
How Small Delays Became a Full Meltdown
• IndiGo’s A320 fleet performs multiple short legs daily.
• If delays push pilots beyond duty limits:
✓Entire crew must be replaced
✓Standby staff is insufficient
• This creates a cascading collapse, leading to large-scale cancellations.
Scale of Disruptions
• 1,232 flights cancelled in November
• On-time performance dropped from 84.1% (Oct) → 67.7% (Nov)
• December worsened as winter congestion, weather, and fatigue caps combined
IndiGo’s Explanation
The airline cited:
• Winter schedule realignment
• Technical issues
• Weather
• Airport congestion
• Full rollout of FDTL norms
All of which, combined with low staffing buffers, destabilised its network.
DGCA’s Corrective Directions
The regulator has asked IndiGo to:
✓Strengthen crew planning and rostering
✓Improve coordination with airports and ATC
✓Enhance turnaround and disruption management
• Goal: Restore stability without compromising safety.
Pilot Groups Criticise IndiGo
Pilot bodies allege:
• Poor planning despite years of warning
• Hiring freezes
• Non-poaching arrangements limiting mobility
• Pay stagnation and chronic understaffing
They claim IndiGo is blaming regulations instead of its staffing strategy.
Wider Industry Implications
The disruption highlights structural issues in Indian aviation:
• Heavy reliance on lean manpower
• Safety rules vs high aircraft utilisation
• Weather + congestion + fatigue = system-wide vulnerability
It underlines the necessity of fatigue-based safety norms in a rapidly growing aviation market.
India’s largest airline, IndiGo, faced massive cancellations and delays after the final phase of the new Flight Duty Time Limitation (FDTL) norms came into effect. With over 60% domestic market share, IndiGo couldn’t adjust its operations fast enough, causing its on-time performance to crash to 19.7% on December 3, one of its worst records.
Why IndiGo Was Hit Harder
1️⃣ Large Scale + High-Frequency Network
• IndiGo runs the largest fleet and busiest daily schedule.
• Any crew shortage multiplies across hundreds of flights.
2️⃣ Heavy Dependence on Night & Early-Morning Flights
• IndiGo dominates time slots most affected by the new fatigue-reduction rules.
3️⃣ Lean Crew Utilisation Model
• IndiGo operates with very high crew and aircraft utilisation.
• When flying hours were restricted, it lacked backup staff to absorb the impact.
Why Other Airlines Suffered Less
• Many competitors have grounded aircraft waiting for retrofits.
• Some are facing delayed aircraft deliveries.
• These situations left them with extra pilot capacity, giving them more flexibility to comply with fatigue limits.
Key Changes Under the New FDTL Norms
• Weekly rest increased: 36 → 48 hours
• Night landings capped at 2 per week (earlier 6)
• Definition of “night time” extended by 1 hour
These rules significantly tightened scheduling freedom, especially for night-heavy airlines like IndiGo.
Implementation Timeline & Industry Pushback
• Proposed for June 2024, but airlines requested more time, more hiring, and phased rollout.
• DGCA implemented it in two phases under court monitoring:
✓ Phase 1 (July): Weekly rest extended — IndiGo handled this.
✓ Phase 2 (Nov): Night-time restrictions — this triggered major disruption.
How Small Delays Became a Full Meltdown
• IndiGo’s A320 fleet performs multiple short legs daily.
• If delays push pilots beyond duty limits:
✓Entire crew must be replaced
✓Standby staff is insufficient
• This creates a cascading collapse, leading to large-scale cancellations.
Scale of Disruptions
• 1,232 flights cancelled in November
• On-time performance dropped from 84.1% (Oct) → 67.7% (Nov)
• December worsened as winter congestion, weather, and fatigue caps combined
IndiGo’s Explanation
The airline cited:
• Winter schedule realignment
• Technical issues
• Weather
• Airport congestion
• Full rollout of FDTL norms
All of which, combined with low staffing buffers, destabilised its network.
DGCA’s Corrective Directions
The regulator has asked IndiGo to:
✓Strengthen crew planning and rostering
✓Improve coordination with airports and ATC
✓Enhance turnaround and disruption management
• Goal: Restore stability without compromising safety.
Pilot Groups Criticise IndiGo
Pilot bodies allege:
• Poor planning despite years of warning
• Hiring freezes
• Non-poaching arrangements limiting mobility
• Pay stagnation and chronic understaffing
They claim IndiGo is blaming regulations instead of its staffing strategy.
Wider Industry Implications
The disruption highlights structural issues in Indian aviation:
• Heavy reliance on lean manpower
• Safety rules vs high aircraft utilisation
• Weather + congestion + fatigue = system-wide vulnerability
It underlines the necessity of fatigue-based safety norms in a rapidly growing aviation market.
👍4❤1
Interview Library
A sample list of questions provided to Mock Interview Candidates before the session. The questions asked in the Mock may or may not match these. (Candidate background - BSc Biology, from Varanasi, father in Indian Bank)
Sent Expected Questions to all Interview Enrolled Candidates. Please DM if you haven't received yet. Good Luck ✌️
❤4
IBPS PO Interview Experience
(Ishita Sharma, Quora)
5 members were sitting : F1, M1, M2, M3, M4 (from left to right). I peeked in and asked to come in. They said yes. Got in, Closed the door behind me then first looking at the female member and then at each of the rest, I studpidly went : good morning ma'am, good morning sir, good morning sir. (Yes, I realised immediately after I said it).
Now second mistake→ Went up to the chair while greeting, not realising I was about to sit, when I realised, I asked for permission (they noticed) and M2 (The Head Panelist) said yes, yes please take your seat. And so I sat. (Don't do this people, most certainly does not give a good impression! 😐)
M2: what qualities of a PO do you have?
I answer one by one explaining 1, 2, 3… He didn't want to hear explanation, just names. After 3, I just named a bunch of few other qualities without explaining.
I had said time management as one so he said me what is time management:- Explained.
He gave it away to M5: what is the meaning of your name? :- Told
M5: Imagine a situation where you are PO and your staff works under you, everyone does their job except for one. What do you do?
–sir, I'll ask that particular staff, if they have a certain problem they need help with. (He Interrupted me and said no he doesn't have any problem he just doesn't want to work) So I said: I'll be strict then, I'll tell them it doesn't work here like that, you're getting paid to work, if you don't wanna work, you might as well sit at home. (They had a slight smile on their faces and M3,M4 started discussing something between themselves while passing it to M1)
M1: What have you prepared today?
–sir, general banking awareness.
M1: on what topics? (I named a few including NPA) What are NPA?
Explained.
How do you recover them? :- I Explained two ways he asked for a third. I said I can't remember. He said okay.
He passed it to F1: difference between NBFCs and Bank?(I forgot and couldn't answer, said something wrong completely)
F1: What are the famous 4 engines in the new budget?
-Sorry ma'am I can't remember it currently, I'll read it later for my knowledge. (She was disappointed, it showed.)
M3 : difference between Microsoft Windows and MS word?
–Explained with Confidence.
What are the softwares that were used before windows? (I forgot and took a few seconds to remember, he waited for a while but then Interrupted and said smilingly)- Remember DOS? –I said yes sir, definitely and Linux, Unix as well. He smiled and passed it to M2.
M2 : what is the job of a PO?
–I explain and included they also sell govt schemes. He asked what all schemes? I said a few and he asked what about MSMEs?
I said there is MUDRA scheme, explained a little. Then looked at M3.
M3 : What is the name of airport of Bhopal?
–I knew the answer, but couldn't bring my single brain cell to work, he saw through me and helped with :- who is bhopal named after? I immediately remembered : Raja Bhoj, and then I said : right sir, Raja Bhoj Airport! And said thank you with head tilt (He was the best panelist, he was smiling the whole ten minutes, easing the way through, especially while questioning me.)
Then they looked at each other and said okay, that's it Ishita you can leave, and take one (gesturing at the toffee bowl) so I got up, said thank you looking at each one of them, took an Eclair and left.
Score - 72/100
https://t.me/interview_lib
(Ishita Sharma, Quora)
5 members were sitting : F1, M1, M2, M3, M4 (from left to right). I peeked in and asked to come in. They said yes. Got in, Closed the door behind me then first looking at the female member and then at each of the rest, I studpidly went : good morning ma'am, good morning sir, good morning sir. (Yes, I realised immediately after I said it).
Now second mistake→ Went up to the chair while greeting, not realising I was about to sit, when I realised, I asked for permission (they noticed) and M2 (The Head Panelist) said yes, yes please take your seat. And so I sat. (Don't do this people, most certainly does not give a good impression! 😐)
M2: what qualities of a PO do you have?
I answer one by one explaining 1, 2, 3… He didn't want to hear explanation, just names. After 3, I just named a bunch of few other qualities without explaining.
I had said time management as one so he said me what is time management:- Explained.
He gave it away to M5: what is the meaning of your name? :- Told
M5: Imagine a situation where you are PO and your staff works under you, everyone does their job except for one. What do you do?
–sir, I'll ask that particular staff, if they have a certain problem they need help with. (He Interrupted me and said no he doesn't have any problem he just doesn't want to work) So I said: I'll be strict then, I'll tell them it doesn't work here like that, you're getting paid to work, if you don't wanna work, you might as well sit at home. (They had a slight smile on their faces and M3,M4 started discussing something between themselves while passing it to M1)
M1: What have you prepared today?
–sir, general banking awareness.
M1: on what topics? (I named a few including NPA) What are NPA?
Explained.
How do you recover them? :- I Explained two ways he asked for a third. I said I can't remember. He said okay.
He passed it to F1: difference between NBFCs and Bank?(I forgot and couldn't answer, said something wrong completely)
F1: What are the famous 4 engines in the new budget?
-Sorry ma'am I can't remember it currently, I'll read it later for my knowledge. (She was disappointed, it showed.)
M3 : difference between Microsoft Windows and MS word?
–Explained with Confidence.
What are the softwares that were used before windows? (I forgot and took a few seconds to remember, he waited for a while but then Interrupted and said smilingly)- Remember DOS? –I said yes sir, definitely and Linux, Unix as well. He smiled and passed it to M2.
M2 : what is the job of a PO?
–I explain and included they also sell govt schemes. He asked what all schemes? I said a few and he asked what about MSMEs?
I said there is MUDRA scheme, explained a little. Then looked at M3.
M3 : What is the name of airport of Bhopal?
–I knew the answer, but couldn't bring my single brain cell to work, he saw through me and helped with :- who is bhopal named after? I immediately remembered : Raja Bhoj, and then I said : right sir, Raja Bhoj Airport! And said thank you with head tilt (He was the best panelist, he was smiling the whole ten minutes, easing the way through, especially while questioning me.)
Then they looked at each other and said okay, that's it Ishita you can leave, and take one (gesturing at the toffee bowl) so I got up, said thank you looking at each one of them, took an Eclair and left.
Score - 72/100
https://t.me/interview_lib
❤11
SBI PO 2025 Interview Experience
I entered
They asked me so you have done BBA what all subjects you have read.
Asked about CSR and then percentage of profit companies need to contribute.
Monetary policy committee
Repo rate and why rbi is lowering it.
Diff b/w MSF and bank rate
What is SDF
M.S Swaminathan birth anniversary.
What is Collateral.
Newspaper which you read.
Editor of Dainik Bhaskar.
What is your Future plan.
What do you know about SBI.
Latest govt scheme.
7ps of Marketing.
Diff between Management and leadership.
Principles of Management.
Any leader you know.
What qualities you learn from that leader?
https://t.me/interview_lib
I entered
They asked me so you have done BBA what all subjects you have read.
Asked about CSR and then percentage of profit companies need to contribute.
Monetary policy committee
Repo rate and why rbi is lowering it.
Diff b/w MSF and bank rate
What is SDF
M.S Swaminathan birth anniversary.
What is Collateral.
Newspaper which you read.
Editor of Dainik Bhaskar.
What is your Future plan.
What do you know about SBI.
Latest govt scheme.
7ps of Marketing.
Diff between Management and leadership.
Principles of Management.
Any leader you know.
What qualities you learn from that leader?
https://t.me/interview_lib
❤4