The government plans to introduce a bill in the upcoming Winter session of Parliament to raise the foreign direct investment (FDI) limit in the insurance sector to 100 per cent from the current cap of 74 per cent, according to a Lok Sabha bulletin.
The Bill is also expected to empower IRDAI to specify lower entry capital (not less than ₹50 crore) for under-served segments on a special case basis. At the same time, requirement of Net Owned Funds for foreign re-insurers is proposed to be lowered to ₹1,000 crore from ₹5,000 crore
The Bill is also expected to empower IRDAI to specify lower entry capital (not less than ₹50 crore) for under-served segments on a special case basis. At the same time, requirement of Net Owned Funds for foreign re-insurers is proposed to be lowered to ₹1,000 crore from ₹5,000 crore
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Those who have appeared for the Interview, kindly share your experience in Comments or @Js_rbi 🙏
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New Labour Codes – Key Highlights (Effective 21 Nov 2025)
The Government of India has consolidated 29 labour laws into 4 major Labour Codes to modernise India’s labour framework and make it worker-centric.
👉The Four Labour Codes
1) Code on Wages, 2019
2) Industrial Relations Code, 2020
3) Code on Social Security, 2020
4) Occupational Safety, Health & Working Conditions Code, 2020
👉Why These Reforms Were Needed
✓Old laws were outdated (mostly from 1930s–1950s).
✓Definitions and compliances were fragmented across 29 laws.
✓Gig workers, platform workers, and unorganised sector remained largely uncovered.
✓Lack of uniformity in wages, safety norms, and social security.
✓Low formalisation of workforce and limited protections for contract workers.
👉Major Changes Introduced
1) Unified and Worker-Centric Framework
✓Mandatory appointment letters for all workers.
✓Universal minimum wage applicable to all occupations.
✓Single registration, single licence, and single return for employers.
2) Social Security Expansion
✓Wider coverage for PF, ESIC, maternity benefits, disability benefits.
✓Inclusion of gig workers, platform workers, and unorganised workers.
✓Aadhaar-linked portable benefits across jobs.
3) Better Protection for Women
✓Women allowed to work in all sectors, including night shifts, with safety conditions.
✓Equal pay for equal work.
✓Mandatory representation in safety and grievance committees.
4) Fair Treatment of Contract & Fixed-Term Workers
✓Equal pay and working conditions as permanent workers.
✓Gratuity eligibility after 1 year for fixed-term employees.
✓Mandatory annual health check-up for contract workers.
5) Improved Worker Safety & Conditions
✓Standardised working hours.
✓Better health, safety and welfare provisions across hazardous industries, mines, plantations, IT/ITES, MSMEs, and export units.
👉Impact on India’s Labour Market
✓Social security coverage increased from 19% (2015) to 64% (2025) and expected to grow further.
✓Boost to formalisation, transparency, and worker welfare.
✓Supports women’s workforce participation.
✓Aligns India’s labour system with global standards.
✓Balances worker rights with industrial flexibility, creating a modern and future-ready labour ecosystem.
Source :- https://t.me/interview_lib
The Government of India has consolidated 29 labour laws into 4 major Labour Codes to modernise India’s labour framework and make it worker-centric.
👉The Four Labour Codes
1) Code on Wages, 2019
2) Industrial Relations Code, 2020
3) Code on Social Security, 2020
4) Occupational Safety, Health & Working Conditions Code, 2020
👉Why These Reforms Were Needed
✓Old laws were outdated (mostly from 1930s–1950s).
✓Definitions and compliances were fragmented across 29 laws.
✓Gig workers, platform workers, and unorganised sector remained largely uncovered.
✓Lack of uniformity in wages, safety norms, and social security.
✓Low formalisation of workforce and limited protections for contract workers.
👉Major Changes Introduced
1) Unified and Worker-Centric Framework
✓Mandatory appointment letters for all workers.
✓Universal minimum wage applicable to all occupations.
✓Single registration, single licence, and single return for employers.
2) Social Security Expansion
✓Wider coverage for PF, ESIC, maternity benefits, disability benefits.
✓Inclusion of gig workers, platform workers, and unorganised workers.
✓Aadhaar-linked portable benefits across jobs.
3) Better Protection for Women
✓Women allowed to work in all sectors, including night shifts, with safety conditions.
✓Equal pay for equal work.
✓Mandatory representation in safety and grievance committees.
4) Fair Treatment of Contract & Fixed-Term Workers
✓Equal pay and working conditions as permanent workers.
✓Gratuity eligibility after 1 year for fixed-term employees.
✓Mandatory annual health check-up for contract workers.
5) Improved Worker Safety & Conditions
✓Standardised working hours.
✓Better health, safety and welfare provisions across hazardous industries, mines, plantations, IT/ITES, MSMEs, and export units.
👉Impact on India’s Labour Market
✓Social security coverage increased from 19% (2015) to 64% (2025) and expected to grow further.
✓Boost to formalisation, transparency, and worker welfare.
✓Supports women’s workforce participation.
✓Aligns India’s labour system with global standards.
✓Balances worker rights with industrial flexibility, creating a modern and future-ready labour ecosystem.
Source :- https://t.me/interview_lib
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Interview Library
New Labour Codes – Key Highlights (Effective 21 Nov 2025) The Government of India has consolidated 29 labour laws into 4 major Labour Codes to modernise India’s labour framework and make it worker-centric. 👉The Four Labour Codes 1) Code on Wages, 2019 2)…
Very Important for all Interviews ✍
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Prime Minister Narendra Modi proposed six new initiatives aimed at global development at the G20 Leaders’ Summit in Johannesburg, South Africa
These include :-
1. The setting up of a Global Traditional Knowledge Repository
2. Africa Skills Multiplier program
3.Global Healthcare Response Team
4. Initiative on Countering the drug-terror Nexus
5. Open Satellite Data Partnership
6. and a Critical Minerals Circularity initiative.
These include :-
1. The setting up of a Global Traditional Knowledge Repository
2. Africa Skills Multiplier program
3.Global Healthcare Response Team
4. Initiative on Countering the drug-terror Nexus
5. Open Satellite Data Partnership
6. and a Critical Minerals Circularity initiative.
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SBI PO INTERVIEW - IMPORTANT SBI RELATED QUESTIONS
History of SBI. Its functions.
MD/CEO/Chairman
Number of branches/ATMs/customers
Previous year annual report.
Last quarter results.
NPA related information
Subsidiaries of SBI
Important SBI schemes/deposits
Other major banks after SBI
Why SBI? Why not RBI?
About YONO? Problems with YONO?
Changes needed in SBI/Indian banks
Any prominent personality in SBI whom you follow
https://t.me/interview_lib
History of SBI. Its functions.
MD/CEO/Chairman
Number of branches/ATMs/customers
Previous year annual report.
Last quarter results.
NPA related information
Subsidiaries of SBI
Important SBI schemes/deposits
Other major banks after SBI
Why SBI? Why not RBI?
About YONO? Problems with YONO?
Changes needed in SBI/Indian banks
Any prominent personality in SBI whom you follow
https://t.me/interview_lib
NIACL AO INTERVIEW EXPERIENCE
(12:30 Delhi - Commerce background)
1) Introduce yourself
2) Tell us about your family
3) What does your father do
4) What is BRS
5) Products of NIACL in length
6) Principles of insurance
7) Principles of accounting
8) Explain your current job profile
9) What is risk management
10) Why do you wanna join insurance
11) Why didn't you pursue higher studies you have such good marks in graduation
12) Will you take job anywhere in India
13) Did you give other examination? What are the results?
14) This job requires high level of multitasking. Will you be able to do it?
15) What exactly does an AO do? Explain the work profile of AO
16) Who is CMD of NIACL?
17) Who registers insurance company?
18) Full form of IRDAI
19) Tell us about your hobbies
https://t.me/interview_lib
(12:30 Delhi - Commerce background)
1) Introduce yourself
2) Tell us about your family
3) What does your father do
4) What is BRS
5) Products of NIACL in length
6) Principles of insurance
7) Principles of accounting
8) Explain your current job profile
9) What is risk management
10) Why do you wanna join insurance
11) Why didn't you pursue higher studies you have such good marks in graduation
12) Will you take job anywhere in India
13) Did you give other examination? What are the results?
14) This job requires high level of multitasking. Will you be able to do it?
15) What exactly does an AO do? Explain the work profile of AO
16) Who is CMD of NIACL?
17) Who registers insurance company?
18) Full form of IRDAI
19) Tell us about your hobbies
https://t.me/interview_lib
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PFRDA Research Economics Interview Questions
3 males and 1 female member in panel
1st Sir- 1. Surender Tell us about yourself
2. You are from income tax so tell one question- how do you relate NPS growth with income tax rules.(Tricky)
3. How do you think new tax regime gonna help economy.
4. How the interest rate is determined?
5. What makes you think that your knowledge of economics will help this organisation to grow
2nd Ma'am - 1. What are the new GST reforms.
2. How are GST reforms going to impact economy
3. What is demographic dividend and how it can influence our economy
4. How can Economics help a person to take better decisions
3rd Sir (youngest)- Most tricky questions
1. Is price ceiling on a product a good thing for the growth?.
2. Do you think there is a relation between OPS and fertility rate.
3. Suppose you have an outreach program for marketing a product. What measures you will take to increase its adaptivity.
4. How do you see UPS growth in coming years?
4th Sir- 1. Tell difference between GDP and GNP
2. If discount rate on bond is increased, what will be impact on its future value.
3. Explain fiscal deficit and its implications
4. What is disinflation
5. Is high fiscal deficit a bad thing or a good thing
Ok thank you. Best wishes
https://t.me/interview_lib
3 males and 1 female member in panel
1st Sir- 1. Surender Tell us about yourself
2. You are from income tax so tell one question- how do you relate NPS growth with income tax rules.(Tricky)
3. How do you think new tax regime gonna help economy.
4. How the interest rate is determined?
5. What makes you think that your knowledge of economics will help this organisation to grow
2nd Ma'am - 1. What are the new GST reforms.
2. How are GST reforms going to impact economy
3. What is demographic dividend and how it can influence our economy
4. How can Economics help a person to take better decisions
3rd Sir (youngest)- Most tricky questions
1. Is price ceiling on a product a good thing for the growth?.
2. Do you think there is a relation between OPS and fertility rate.
3. Suppose you have an outreach program for marketing a product. What measures you will take to increase its adaptivity.
4. How do you see UPS growth in coming years?
4th Sir- 1. Tell difference between GDP and GNP
2. If discount rate on bond is increased, what will be impact on its future value.
3. Explain fiscal deficit and its implications
4. What is disinflation
5. Is high fiscal deficit a bad thing or a good thing
Ok thank you. Best wishes
https://t.me/interview_lib
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Interview Library
For those requesting for PFRDA and NICL AO Capsule PDFs also Currently we have no such plans, since SBI PO Capsule consumed a lot more time than we expected. However, we will be conducting Mock Interview sessions for both from Next month 🙏
NICL AO (General/Accounts Stream) – Mock Interview Details
Objective:
To provide candidates with a realistic interview experience tailored to their profile. The session is designed to help you identify strengths, uncover gaps, and improve your responses. Both expected and off-beat questions aligned with your background will be covered.
Interview Panel:
The panel will consist of two experienced professionals including a working NIACL AO.
Duration: Approximately 45-60 minutes, including personalized feedback and improvement pointers.
Platform: Zoom/Google Meet
Fee: ₹499 per session
(Payment via UPI; QR code will be shared upon confirmation in a personal message)
Availability:
Weekdays: Evening slots
Coverage:
The mock will comprehensively address all segments of the interview to ensure no area is left unassessed.
To Enroll:
Send a message to @Js_rbi
Objective:
To provide candidates with a realistic interview experience tailored to their profile. The session is designed to help you identify strengths, uncover gaps, and improve your responses. Both expected and off-beat questions aligned with your background will be covered.
Interview Panel:
The panel will consist of two experienced professionals including a working NIACL AO.
Duration: Approximately 45-60 minutes, including personalized feedback and improvement pointers.
Platform: Zoom/Google Meet
Fee: ₹499 per session
(Payment via UPI; QR code will be shared upon confirmation in a personal message)
Availability:
Weekdays: Evening slots
Coverage:
The mock will comprehensively address all segments of the interview to ensure no area is left unassessed.
To Enroll:
Send a message to @Js_rbi
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