Final Result_Recruitment of Officer Grade A 2025.pdf
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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 ✌️
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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
COMMON IBPS PO INTERVIEW QUESTIONS
1. Personal Introduction
• Can you briefly introduce yourself?
• What motivates you to pursue the role of a Probationary Officer?
• What would you consider your key strengths and weaknesses?
2. Academic Background
• What led you to choose your graduation stream?
• In what ways is your academic degree relevant to the banking sector?
• Can you explain any gap years or reasons for job changes?
3. Banking Awareness
• Could you define CRR, SLR, Repo Rate, and Reverse Repo Rate?
• What is meant by Priority Sector Lending?
• What role does the RBI play in supervising banks?
4. Current Affairs
• What are the recent updates from the latest RBI monetary policy?
• Describe a recent economic event that you consider significant.
• What is the general trend in India’s current GDP growth?
5. Banking Situational Scenarios
• How would you assist a senior citizen who is struggling with digital banking services?
• A customer insists on a loan without valid documentation—how would you handle this situation?
• If given challenging performance targets, what approach would you take to achieve them?
6. Situational / Behavioural Questions
• How would you deal with a customer who is upset due to a failed transaction?
• What would you do if you observed a colleague violating established rules?
• How would you manage a long customer queue when staff support is limited?
7. Work Ethics & Integrity
• What steps would you take if you noticed a small cash discrepancy at the end of the day?
• Why is confidentiality critical in the banking profession?
• Can you describe a situation where you assumed responsibility during a difficult task?
https://t.me/interview_lib
1. Personal Introduction
• Can you briefly introduce yourself?
• What motivates you to pursue the role of a Probationary Officer?
• What would you consider your key strengths and weaknesses?
2. Academic Background
• What led you to choose your graduation stream?
• In what ways is your academic degree relevant to the banking sector?
• Can you explain any gap years or reasons for job changes?
3. Banking Awareness
• Could you define CRR, SLR, Repo Rate, and Reverse Repo Rate?
• What is meant by Priority Sector Lending?
• What role does the RBI play in supervising banks?
4. Current Affairs
• What are the recent updates from the latest RBI monetary policy?
• Describe a recent economic event that you consider significant.
• What is the general trend in India’s current GDP growth?
5. Banking Situational Scenarios
• How would you assist a senior citizen who is struggling with digital banking services?
• A customer insists on a loan without valid documentation—how would you handle this situation?
• If given challenging performance targets, what approach would you take to achieve them?
6. Situational / Behavioural Questions
• How would you deal with a customer who is upset due to a failed transaction?
• What would you do if you observed a colleague violating established rules?
• How would you manage a long customer queue when staff support is limited?
7. Work Ethics & Integrity
• What steps would you take if you noticed a small cash discrepancy at the end of the day?
• Why is confidentiality critical in the banking profession?
• Can you describe a situation where you assumed responsibility during a difficult task?
https://t.me/interview_lib
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Interview Library
Any SIDBI Grade A/B candidates here looking for Mock Interviews? You may DM using the same ID. We conducted 10-12 Mock Interview Sessions last Year for both Grade A and B, and got 8-9 selections in total 🙏
A Special Announcement for SIDBI Grade A and B Interview Candidates
To make your Mock Interview sessions even more valuable, a Working SIDBI Officer has graciously agreed to be a part of the Panel. Her deep knowledge and experience with the Organisation will give an extra push towards your success.
As a Bonus, all Mock Interview enrolled Candidates are free to contact her on Telegram, regarding any preparation related doubts they may have. (Her Username will be shared personally).
To enroll, kindly DM at @Js_rbi
Good Luck ❤️
To make your Mock Interview sessions even more valuable, a Working SIDBI Officer has graciously agreed to be a part of the Panel. Her deep knowledge and experience with the Organisation will give an extra push towards your success.
As a Bonus, all Mock Interview enrolled Candidates are free to contact her on Telegram, regarding any preparation related doubts they may have. (Her Username will be shared personally).
To enroll, kindly DM at @Js_rbi
Good Luck ❤️
❤6🥰3
Why MSMEs Still Face a Credit Crunch
Credit Gap Remains Large
Despite a lending surge, MSMEs still face a ₹30 lakh crore credit gap.
Bank credit to MSMEs touched ₹35.2 lakh crore (March 2025), yet demand remains unmet.
Main Reasons for the Crunch
• NBFC Withdrawal
NBFCs have reduced unsecured MSME lending due to rising defaults and tighter risk controls
• Rising NPAs & Risk Aversion
Higher delinquencies have made lenders more cautious, pushing them toward safer, secured loans.
• Structural Problems
Many MSMEs lack collateral, formal financial records, or reliable credit history.
This makes lenders hesitant despite strong credit growth.
• Inclusion Gap Persists
Formal credit is growing, but many viable MSMEs still remain outside the formal lending ecosystem.
Impact on MSMEs
Shortage of working capital and funds for expansion.
Dependence on informal lenders with higher costs.
Increased vulnerability for sectors reliant on steady cash flow or exports.
Broader Implications
India needs stronger cash-flow based lending, alternative data-based credit scoring, and collateral-free financing frameworks.
Improving MSME credit access is essential for employment, exports, and economic resilience.
https://t.me/interview_lib
Credit Gap Remains Large
Despite a lending surge, MSMEs still face a ₹30 lakh crore credit gap.
Bank credit to MSMEs touched ₹35.2 lakh crore (March 2025), yet demand remains unmet.
Main Reasons for the Crunch
• NBFC Withdrawal
NBFCs have reduced unsecured MSME lending due to rising defaults and tighter risk controls
• Rising NPAs & Risk Aversion
Higher delinquencies have made lenders more cautious, pushing them toward safer, secured loans.
• Structural Problems
Many MSMEs lack collateral, formal financial records, or reliable credit history.
This makes lenders hesitant despite strong credit growth.
• Inclusion Gap Persists
Formal credit is growing, but many viable MSMEs still remain outside the formal lending ecosystem.
Impact on MSMEs
Shortage of working capital and funds for expansion.
Dependence on informal lenders with higher costs.
Increased vulnerability for sectors reliant on steady cash flow or exports.
Broader Implications
India needs stronger cash-flow based lending, alternative data-based credit scoring, and collateral-free financing frameworks.
Improving MSME credit access is essential for employment, exports, and economic resilience.
https://t.me/interview_lib
👍6❤1
A gist of everything you have to prepare for IBPS PO Interview :-
1) HR questions like Strengths, weakness, goals, etc.
2) Self related questions, example your state, city, family
3) Your educational background, especially your college subject
4) Banking awareness like repo rate, negotiable instruments, etc.
5) Work experience related questions for working people
6) Situational based questions related to day to day banking
7) Current issues
8) Website of the bank of your preference
Source :- https://t.me/interview_lib
1) HR questions like Strengths, weakness, goals, etc.
2) Self related questions, example your state, city, family
3) Your educational background, especially your college subject
4) Banking awareness like repo rate, negotiable instruments, etc.
5) Work experience related questions for working people
6) Situational based questions related to day to day banking
7) Current issues
8) Website of the bank of your preference
Source :- https://t.me/interview_lib
❤6
IBPS PO Interview Call Letter OUT
https://ibpsreg.ibps.in/crppoxvjun25/intcla_dece25/login.php?appid=d2f00ce439bee038a4077cb17dc8db77
https://ibpsreg.ibps.in/crppoxvjun25/intcla_dece25/login.php?appid=d2f00ce439bee038a4077cb17dc8db77
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Interview Library
IBPS PO Interview Call Letter OUT https://ibpsreg.ibps.in/crppoxvjun25/intcla_dece25/login.php?appid=d2f00ce439bee038a4077cb17dc8db77
Mock Enrolled Candidates,
Kindly check your dates and confirm your availability for the session in DMs 🙏
Kindly check your dates and confirm your availability for the session in DMs 🙏
❤5
Guys
We are suddenly receiving multiple requests for IBPS PO Mock interviews.
Please give us some time to process them..🙏
We are trying to accommodate as many as we can
We are suddenly receiving multiple requests for IBPS PO Mock interviews.
Please give us some time to process them..🙏
We are trying to accommodate as many as we can
❤4🤝3