PNB SO INTERVIEW CALL LETTER OUT
https://ibpsreg.ibps.in/pnbvpapr26/intcla_jul26/login.php?appid=f05024e021452017296deb8754615a7a
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IDBI Assistant Manager Interview Result Out
https://apps.idbibank.in/rs-assistant-executive-june-2019-1.asp
https://apps.idbibank.in/rs-assistant-executive-june-2019-1.asp
Important Capital Market Related Terms - Part 02
11. Market Capitalization
• Total market value of a company's outstanding shares.
• Formula: Share Price × Number of Outstanding Shares.
• Companies are classified as Large-cap, Mid-cap, and Small-cap.
12. Face Value
• Original value of a share assigned by the company (e.g., ₹10).
• Used for accounting purposes and dividend calculation.
13. Book Value
• Company's net worth per share based on its balance sheet.
• = (Assets − Liabilities) ÷ Number of Shares.
14. Blue-chip Company
• Large, financially strong, and well-established company with a consistent performance record.
• Example: SBI, TCS, Infosys.
15. Bull Market
• A market where prices are generally rising and investor confidence is high.
16. Bear Market
• A market where prices are generally falling and investor sentiment is weak.
17. Capital Gain
• Profit earned from selling a security at a price higher than its purchase price.
18. Securities and Exchange Board of India (SEBI)
• India's capital market regulator.
• Protects investors, regulates intermediaries, and promotes market development.
19. Stock Exchange
• Platform where securities are bought and sold.
• Major exchanges: BSE and NSE.
20. Mutual Fund
• A professionally managed investment vehicle that pools money from investors and invests in equities, bonds, money market instruments, or a mix of these.
Credit : Interview Library
11. Market Capitalization
• Total market value of a company's outstanding shares.
• Formula: Share Price × Number of Outstanding Shares.
• Companies are classified as Large-cap, Mid-cap, and Small-cap.
12. Face Value
• Original value of a share assigned by the company (e.g., ₹10).
• Used for accounting purposes and dividend calculation.
13. Book Value
• Company's net worth per share based on its balance sheet.
• = (Assets − Liabilities) ÷ Number of Shares.
14. Blue-chip Company
• Large, financially strong, and well-established company with a consistent performance record.
• Example: SBI, TCS, Infosys.
15. Bull Market
• A market where prices are generally rising and investor confidence is high.
16. Bear Market
• A market where prices are generally falling and investor sentiment is weak.
17. Capital Gain
• Profit earned from selling a security at a price higher than its purchase price.
18. Securities and Exchange Board of India (SEBI)
• India's capital market regulator.
• Protects investors, regulates intermediaries, and promotes market development.
19. Stock Exchange
• Platform where securities are bought and sold.
• Major exchanges: BSE and NSE.
20. Mutual Fund
• A professionally managed investment vehicle that pools money from investors and invests in equities, bonds, money market instruments, or a mix of these.
Credit : Interview Library
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✍ HDFC Bank,Axis,ICICI collected more in minimum balance penalties than all 12 PSB.
Banks collected more than ₹26,170 crore from customers as penalties for failing to maintain the minimum average balance (MAB) in their accounts over the four financial years from FY23 to FY26, according to a written reply by Minister of State for Finance Pankaj Chaudhary in the Rajya Sabha.
The data, compiled from public sector banks and the Reserve Bank of India (RBI), shows private lenders accounted for the larger share of these collections.
Banks collected more than ₹26,170 crore from customers as penalties for failing to maintain the minimum average balance (MAB) in their accounts over the four financial years from FY23 to FY26, according to a written reply by Minister of State for Finance Pankaj Chaudhary in the Rajya Sabha.
The data, compiled from public sector banks and the Reserve Bank of India (RBI), shows private lenders accounted for the larger share of these collections.
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How to Tackle Interview Questions on NEET Protest
(Credit : Interview Library)
Sample Answer :
"The NEET protests highlight the importance of credibility in public examinations. Since lakhs of students invest years of effort, even allegations of irregularities can significantly affect public trust.
In my opinion, students have the democratic right to peacefully express their concerns. At the same time, it is equally important that public order is maintained and protests remain peaceful.
The responsibility of the government is to ensure a fair investigation, transparent communication, and timely reforms so that confidence in the examination system is restored.
Strict action should be taken against anyone found responsible for malpractice.
Ultimately, the focus should be on strengthening institutions and preventing such incidents in the future, because restoring trust is in the interest of students as well as the country."
✓ If they ask: "Do you support the protests?"
Avoid saying simply "Yes" or "No."
Instead say:
"I support students' right to peacefully raise genuine concerns. However, I also believe that any protest should remain peaceful and within the limits of law. The long-term solution lies in institutional reforms rather than prolonged confrontation."
✓ If they ask: "Was the police action justified?"
Don't become a judge.
Say:
"Without knowing all the operational facts, it would not be appropriate for me to comment on individual actions. Generally, the police have the responsibility to maintain law and order, while citizens have the right to peaceful protest. Ideally, both objectives should be balanced with minimum use of force."
✓ If they ask: "What do you think about the Resignation of the Education Minister?"
This is a classic trap.
A good response is:
"The question of resignation is ultimately a political and constitutional decision. From an administrative perspective, what matters most is fixing the system, ensuring accountability, and preventing recurrence. If responsibility is established through due process, appropriate action should follow."
(Credit : Interview Library)
Sample Answer :
"The NEET protests highlight the importance of credibility in public examinations. Since lakhs of students invest years of effort, even allegations of irregularities can significantly affect public trust.
In my opinion, students have the democratic right to peacefully express their concerns. At the same time, it is equally important that public order is maintained and protests remain peaceful.
The responsibility of the government is to ensure a fair investigation, transparent communication, and timely reforms so that confidence in the examination system is restored.
Strict action should be taken against anyone found responsible for malpractice.
Ultimately, the focus should be on strengthening institutions and preventing such incidents in the future, because restoring trust is in the interest of students as well as the country."
✓ If they ask: "Do you support the protests?"
Avoid saying simply "Yes" or "No."
Instead say:
"I support students' right to peacefully raise genuine concerns. However, I also believe that any protest should remain peaceful and within the limits of law. The long-term solution lies in institutional reforms rather than prolonged confrontation."
✓ If they ask: "Was the police action justified?"
Don't become a judge.
Say:
"Without knowing all the operational facts, it would not be appropriate for me to comment on individual actions. Generally, the police have the responsibility to maintain law and order, while citizens have the right to peaceful protest. Ideally, both objectives should be balanced with minimum use of force."
✓ If they ask: "What do you think about the Resignation of the Education Minister?"
This is a classic trap.
A good response is:
"The question of resignation is ultimately a political and constitutional decision. From an administrative perspective, what matters most is fixing the system, ensuring accountability, and preventing recurrence. If responsibility is established through due process, appropriate action should follow."
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No performance or wear and tear in older vehicles running on E20, Union Transport Ministir Nitin Gadkari tells Parliament
BS-III vehicles, introduced from April 1, 2005 and manufactured before 2016, may require replacement of some rubber parts and gaskets when run on E20, the minister tells Rajya Sabha
BS-III vehicles, introduced from April 1, 2005 and manufactured before 2016, may require replacement of some rubber parts and gaskets when run on E20, the minister tells Rajya Sabha
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Anti-Paper Leak Bill 2026 – Highlights
Objectives
• Prevent question paper leaks and unfair practices.
• Deter organized cheating syndicates.
• Ensure fair, merit-based recruitment and admissions.
• Protect genuine candidates.
• Improve transparency and accountability.
• Enable faster investigation and speedy trials.
• Restore public confidence in public examinations.
Key Features
• Harsher penalties:
✓ Individuals: 5–10 years imprisonment + fine up to ₹50 lakh.
✓ Service providers: fine up to ₹5 crore.
✓ Organized crime: minimum 7 years imprisonment + minimum ₹10 crore fine.
✓ Debarment of guilty service providers increased from 4 to 8 years.
• Establishment of a Special Task Force (STF) for investigation.
• Fast-track courts for speedy trials.
• Stronger digital security and institutional accountability.
• Tougher action against organized paper leak networks.
Challenges
• Tackling organized paper leak mafias.
• Preventing insider involvement.
• Addressing cybersecurity threats to digital exam systems.
• Ensuring coordination among Centre, States, police, and exam agencies.
• Building adequate forensic and technical capacity.
• Uniform implementation across states.
• Avoiding hardship to innocent candidates during investigations.
Source : Interview Library
Objectives
• Prevent question paper leaks and unfair practices.
• Deter organized cheating syndicates.
• Ensure fair, merit-based recruitment and admissions.
• Protect genuine candidates.
• Improve transparency and accountability.
• Enable faster investigation and speedy trials.
• Restore public confidence in public examinations.
Key Features
• Harsher penalties:
✓ Individuals: 5–10 years imprisonment + fine up to ₹50 lakh.
✓ Service providers: fine up to ₹5 crore.
✓ Organized crime: minimum 7 years imprisonment + minimum ₹10 crore fine.
✓ Debarment of guilty service providers increased from 4 to 8 years.
• Establishment of a Special Task Force (STF) for investigation.
• Fast-track courts for speedy trials.
• Stronger digital security and institutional accountability.
• Tougher action against organized paper leak networks.
Challenges
• Tackling organized paper leak mafias.
• Preventing insider involvement.
• Addressing cybersecurity threats to digital exam systems.
• Ensuring coordination among Centre, States, police, and exam agencies.
• Building adequate forensic and technical capacity.
• Uniform implementation across states.
• Avoiding hardship to innocent candidates during investigations.
Source : Interview Library
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