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 ❤️
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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
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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
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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 🙏
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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
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We have sent IBPS and SIDBI Mock Session Date confirmation to all Enrolled students.
Once final, we will check our schedule and give available slots accordingly, to other candidates 🙏
Once final, we will check our schedule and give available slots accordingly, to other candidates 🙏
Interview Library
We have sent IBPS and SIDBI Mock Session Date confirmation to all Enrolled students. Once final, we will check our schedule and give available slots accordingly, to other candidates 🙏
If any enrolled candidate hasn't received a confirmation text, kindly DM 🙏