Sidbi grade A interview experience

Total 5 members including 1 madam

Starting with intro
DSCR
BALANCE SHEET ANALYSIS
Union budget and msme
MSME classification
Fiscal report and monetary policy
How AI ML can contribute to the banking
CGTMSE
CURRENT RATIO
WHY YOU WANT TO JOIN SIDBI
RECENT CHANGES IN NPA PROVISON
PENAL CHARGES CHAGES
WHICH 2 countries are most successful in MSME

https://t.me/interview_lib

For SEBI Grade A free preparation, join this
https://t.me/sebi_aspirants_hub

Currently, we are providing concept PDFs, but soon we will share practice MCQs too

Hey everyone,

After careful consideration, we’ve concluded that it isn’t feasible for us to conduct Mock Interviews at the moment.
With multiple ongoing exams, our team is already managing a heavy schedule, and taking up another initiative right now could affect the quality we aim to maintain.

We truly appreciate your interest and understanding, and we hope to resume our Mock Interview sessions from next month.

Apologies to everyone who had been waiting for this 🙏

India’s unemployment rate declined to 5.2 per cent in the second quarter of this year, down from 5.4 per cent in the first quarter of this year, for individuals aged 15 years and above.

Important for SIDBI interview.
Read about SIDBI subsidiaries, IN-SPACe, Venture capital, etc.

SBI PO Psychometric test - Complete details

What is it?
Psychometric test is simply a personality test. It aims to know who you are.. example whether you make a lot of friends or not, whether you do multitasking or just a single task at a time, etc.

Is there any passing criteria?
No. It's jusy a formality. You just need to appear. There will be no right or wrong answers.

How to prepare?
Keep your documents ready, reach the venue on time, and read this post once again. That's it. No need for anything else.

How to attempt?
Questions will be like -

"I am a friendly and outgoing person."

Strongly disgree ○ ○ ○ ○ ○ strongly agree

The options will mean strongly disagree, disagree, neutral, agree, strongly agree.
Pick whatever fits you. Choose neutral only if you can't decide. Otherwise be honest. Don't try to act smart and choose options which sound better, like "a PO must be an outgoing person, so I will tick strongly agree, even if I am an introvert."
They will catch you.

Read the instructions very very carefully.

Keep an open mind while attempting. Some questions will be repeated in different words. Like

Q. 1) I like to work alone.
Q. 20) I like to work as a team.

Now, if you tick agree in both, it would sound like you are confused. So you have to be careful here. Don't contradict yourself. If a rough sheet is provided, you can note down some answers also. (Although that is not needed).

Finally, be calm. Don't think about it much.
Keep preparing for interview/GD.

What clothes to wear?
Wear what you would wear in a written test. No need for formals.

Final tips -
This test might be a golden opportunity to socialise with other candidates. You never know, you might see your neighbour in GD also. So don't miss this chance.

Hope all your doubts are resolved now ❤️

https://t.me/interview_lib

RBI has opened up a new avenue for borrowers by allowing loans against silver, in addition to gold.

This means individuals can now pledge silver jewellery or coins to avail loans from banks and non-banking finance companies (NBFCs).

The new regulations will take effect on April 1, 2026.

Who can extend loans against silver?

Commercial Banks (including SFBs and RRBs), Urban and Rural Co-operative Bank, NBFCs and Housing Finance Companies

What jewellery or coins can be pledged?

Gold jewelry - up to a maximum of 1 kg
Silver jewelry - up to a maximum of 10 kg
Gold coins - up to 50 grams
Silver coins - up to 500 grams

How much loan will you get? (Loan-to-value ratio)

The RBI has also fixed the maximum limit of loan-to-value (LTV).

Up to 85% on loans up to Rs 2.5 lakh
Up to 80% on loans from Rs 2.5 to Rs 5 lakh
Up to 75% on loans above Rs 5 lakh

This means that if you have silver worth Rs 1 lakh, you can get a maximum loan of up to Rs 85,000 on it

(Source : Aparchit)

BIO DATA Form
for SBI PO Interview Candidates..

SBI PO GD PI EXPERIENCE OF A MEMBER

Lucknow LHO

Members -12
SBI officials -2
Language - Hindi/English
Details - 5 minutes given before each to note down the points
Total time duration - 15 minutes each (but the candidates didn't realize how soon it passed)

GD - Started with a 10 second pause. In between also some pauses. This is the best time to speak. GD was peaceful. 1-2 people tried to speak too much, trying to dominate. Some went off topic. But in the end, this girl gave a conclusion and everyone agreed. Officials said, discussion was good.

5 minute break was given in between.

GE - 8 points were given. You needed to agree on 1,2,3 and 8th. Started with people describing all 8 points at the same time. As expected, the officials had to interrupt. The group reached consensus on 2nd, 3rd and 8th point. Many times it became a fish market. People were trying to prove themselves right. This girl tried to bring the group back to agreement whenever she could.

Interview - 5 panel members (1 female). All cordial and friendly. Total time 12-13 minutes. For working candidates, it went a bit longer. Questions asked -

How are you?
Why gap of 4 years?
What is reverse repo rate?
Profit and loss account, ledger, etc. and some other commerce terms (BCOM student)
Why SBI? How will you handle the work pressure?
What is GDP (she got confused and told the numbers)
Fixed assets
World boxing championship  (asked to many people)

Overall - good experience. Very good hospitality by SBI. Lunch was provided.

https://t.me/interview_lib

SBI PO Chandigarh Interview Highlights:

1. Introduction
2. Cricket-related hobby: Pitch size, bat weight, IPL
3. Metaverse
4. Blockchain
5. Virtual banking
6. Central Bank Digital Currency (CBDC)
7. Graduation details: B.Sc. Non-Medical, exponential function (e^x), geometric progression (GP), Escape Velocity, Combinations (nC0, nC1, ...)
8. Neo bank
9. Name of the Finance Minister
10. Name of a Private Bank
11. Criteria for a DSIB Bank in India
12. Three names of Foreign Banks
13. Payment Banks
14. Profit generation in banks

https://t.me/interview_lib