Rbi grade b interview experience 2014-15

04/02/2015
Verification starts at 9:15 AM and Interviews starts from 10 AM sharp. I was the 6th one to be called in.
Chairman: What is this nanocomposite written in your form? Is it used as a fuel in fuel cell? Ohk not as a fuel. But why do we
need nano-composites? How are they any different?
Member 1: Have you worked somewhere till now? Have you got an opportunity to sit for civils interview? So, waiting for results
this year? Do you want to be a DM and have a danda in your hand (jokingly)? Then?
Do you follow news related to economics? Questions on payment and small bank? Why are players interested in getting into
this segment? What are the requirements? Why not in normal banking domain? Can you tell the specific reason?
Member 2: What is the biggest role for which RBI supervises banks? How? Who are these customers? Are all citizens included
in it? How are NBFCs different from banks? Why should RBI regulate them too? What is the link between banks and NBFCs?
Chairman: What is the primary activity of NBFCs? How do they get money to lend? But initial capital is not enough, what else?
Member 3: Why there aren't spectacles in your pic in form but you're wearing one? Have you heard of the recent TT
tournament? Do you know which team won it? Why do think we are lagging behind in TT? While non-cricket sports like
badminton are also picking up, why don't we still have TT players of international recognition?
Member 4: On what is the scenario for employment of engineers. Why did you choose engineering? Why shifting?
Chairman: What is human progress? Out of technocrats/politicians/administrators, who makes the highest impact on human
progress? Can you name some administrator or policy maker who has brought further human progress?

My interview experience., @ Chennai 22nd.

Sardar was head of panel . But i still remember the next member(the one with spectacle) was head last time. One of the other
member is the regional director of chennai office. So , i guess they swap one or two of their members each office. Not sure.
1. Sardarji - From bio data about my hobbies.He watches closely when i answer towards other members which i appreciate very
much .
2. Next member(panel head for me - last year) framed questions from work experience , why quit/tend to quit last job and took
up from there.
3. M3 asked about Forex managment ? Adequate Reserves ? Some risks associated with it ?,
4.NPA framework ? Stressed advances ? Provisions ?

5.Lady-> Alternate Channel developments related ., Rupay ?

and sardar intervened there in few questions and tested further.
Should i sum up , that was hurried interview may be they were testing my stress levels. By contradicting my answers / drilling
deep kept me in discomfort sometimes, Typical stress interview.
My best wishes friends . Please do not get into any assumption with this experience & some one might have said earlier that
they were easy too. It depends on situation. They are experienced and rate us in coherence with the situation provided to us.
Again , all the best.

interview experience

Venue: chennai
Sardarji: 1.About the technical paper which I presented in college
2. Work experience in defence electronics sector. How it is different from commercial electronics industry. What design care you
need to take?
M1: 1. Energy security?
2. Who are all affected and benefitted by decreasing oil prices?? He meant the countries not the sector.
M2. Rbi as bankers bank what does it mean?? Then questions on crr and slr?? How much and in what form it is maintained??
What is the difference??
M3. What is the economic meeting that is going to happen in the near future?? Where it is going to Happen? How is it special
to India?? When I said make in India he asked questions from tat and which sector is being focused on make in India??
M4. NBFC abd How it is different from bank??
That's all
RBI interview
interview experience-- date-15th Jan,2015
Venue-RBI,Lucknow
Category-Gen
Interview Medium-Hindi(I think I am more comfortable with Hindi,I wrote phase-2 also in Hindi)

Today total 14 candidates were there and I was the last to be interviewed.
Panel-Sardarji as chairperson and 4 other male members and one female member(I think I have seen her in loksabha channel
debate videos,don't know her name)
They asked about hobbies(tt,badminton,writing poems,once made a short movie);two ques on computer science which I
couldn't tell-metadata and bigdata in data structure(Graduation- Btech in Computer Science);why i want to be an ias (i wrote on
biodata that i left my job for preparation of civil services) then why do you want to join RBI,will RBI not be hurdle in achieving
your goal of civil services,some simple economy questions-what is growth rate of india,is it ok or low,what should be growth rate
according to you,what will happen by good growth rate;Has faculty quality been diluted in IITs(I graduated from one of the new
IITs)
thats all..
overall I think it was a nice experience.I would rate my performance from avg to avg+.Be real and be original and prepare
graduation,work experience,hobbies,why RBI etc well if you are not from banking sector.

Hi puys....finally had a pleasant sleep last night...after a long time(2 months)....well then coming to my interview
experience....here it is...
Qua: B.Com, ICWA(Inter)
Experience: 0(fresher)
verification started at 9...and they said that the interviews will start at 10 AM....by 10 only 4 verifications were done....but they
started right on time...the frst one was called at 10 for interview...nothing serious in the verification process...they were pleasant
and just went on with their work...
My number was 15, out of the 15 that have been called for....so i had to wait and it was good to wait because i came to know all
the experiences of the 14(13 actually) candidates......during the wait...some of us interacted and ankit gupta was also there with
us...he was number 11...anyways heres the interview
Me: May I come in Sir!
M1(Sardarji): Yes please come in...
Me: Good morning Sirs and Madam....(forgot to wish the madam first...)and if I may...Wish you all a Happy New Year....
There were five, sardarji(M1) in the center, lady(F1) in the left corner, two(M2 & M3)) on each side of sardarji and one M who
has a pen and paper up his face and doing something.......(M4)
3 out of 5: Thank you and wish you the same(smiling and looking at each other) please take your seat......
Me: thank you sir......
M1: so Mr.Vihari...what is this ICWA that you have mentioned here...(I gave that as my additional qual)...
Me: explained the purpose of CWA and its contrast from CA and what exactly happens at both the levels.......
M1: what are controlled costs......
explained....
M1: what comes under controlled costs....variable or fixed and examples
explained...M4 still busy with the pen and paper
M2: What do you think is the rank of india in investment or for doing business......

couldn't understand what he meant...so asked again for clarity

he said...what is your opinion as an investor whether you want to invest in india or not.....
explained the current benefits to investors and the changes in the govt's attitude towards FDI and FII and how it is favourable to
the investors.......
M2: what is black money.....
explained....using the income tax evasion as an example....M4 still doing something...i felt like he was making a sketch of my
face on the paper...with the paper straight to his face and looking occasionally at me.......
M3: what are its sources other than evading incometax
explained
M3: what other exams are you preparing for......
gave the frank answer of IBPS and Insurance AOs...
M3: who is a wilful defaulter....
explained..and used the word insolvency.....
M3: are there any particular laws for insolvenccy.......
didnt get his intention correctly.....asked for clarity
Sardarji intervened
M1: Any acts in india which specifically deal with Insolvency...
accepted that i dont know any specific act like that.....M4 finished the sketch but not opening his mouth........
F1: as an investor what are the accounting ratios you see in a bank...
thought that she wanted only normal accounting ratios
so i gave a few profitability and capital adequacy ratios...
she said she want something which an investor wants to know...
then i mentioned about the EPS, P/E, Debt-Equity, dividend yield ratio, solvency ratio, etc....

but i see that she was not satisfied...but said that ok no need to go deep.......
M1 looked at others and they nodded....and he said Ok thank you Mr.Vihari you can go now......
Thank you sir...have a good day..........
guys overall it was like my knowledge on graduation rather than the economics or current affairs(and i am quiet happy about
that)....
most of the guys who went before me said the same thing....like focus was on the graduation subjects.........even ankit was
asked alot of graduation subject.......i am not saying that only that will be asked but brush your graduation as well........there are
guys who have finished their degree in 2011 or so and preparing for their civils or doing some job....but you also need to go
through your graduation before attending the interview....mine went good and hope to see a result with my number in
it.......thank you for your support and wishes.......specifically mnrnjnbhr and star4093..thank you guys hope you do well as
well......

Interview experience 7th Jan, 15

Venue: Hyderabad
Background: BE (Comp engg)+ MBA, Finance and interational trade (IIFT, Delhi)+ 16 months of work exp with a trading firm.
Interview duration: 18-20 minutes
Pleasantries exchanged
Sardarji starts: I like the words and adjectives you have used in your bio data "avid reader, good singer, decent photographer,
lone wanderer"
Questions on music (english 60s, 70s, Indian bands)
Questions on choice of books (abstract, philosophy, random) why abstract? recent books read (a lot of haruki murakami)
what/who was kafka? few other books.
Panelist 2: which is the latest FTP (09-14)? incentives for exporters( FPS, MLFPS, DEPB, etc) difference b/w FPS and MLFPS?
A question on MLFPS regarding its intention which I couldn't answer.
Panelist 3: Share of India's exports in world trade, why so low? what's wrong with Indian export sector? why hasn't the export
growth picking rate?
Panelist 4: Have you heard about make in India? What is it? What has Rajan been saying? Why? make an assessment. why so
much hullabaloo ? who is right?(of course Rajan cos you want to join RBI, everybody laughs :-/) What is interest subvention? Is
it a subsidy?
Panelist 5 (the lady): What is EEFC? what's the funda? what guidelines did RBI give wrt EEFC to combat the currency outflow?
That's all. Was quite chilled. I wished for it to be longer but i think they were hungry(were talking about lunch before starting my
interview). fingers crossed.

nsights from a friend whom I recently met in my cousion's wedding. He is sweet guy & shared his experience. He had an
unusually short interview which lasted hardly 15 minutes.
Some "questions":
1. Why is the economy is a halt, some reasons.
2. difference between Gov. & ordinary account ( He works @ CAG)
3. What is FRBMA, 2-3 features of it.
4. Some 5 minutes interview on Hobby - jogging, .... I don't know.
5. Why is RBI not lowering repo rate?
6. Keynesian economics theory?
The "WISDOM":
1. You will surely be asked your hobby if you have written something wacky out there. You will also have questions related to
any thing that stands out in your biodata. ( Some smart people may have decorated their CV accordingly)
2. Don't expect very technical questions unless you show(in interview/on through your biodata) that you are an expert in an
area.
3. Don't give a technical or a deep answer to the General questions asked, you would further invite related questions & would
increase the chances of errors in later questions. The central idea is to be humble. this can be done by giving very short,
precise answers.
4. Make sure you don't get questions from your biodata wrong. If questions are asked from your subjects try giving some
answers as you won't be able to evade them and they will start piling up more than general questions.

Interview Experience
Profile
MBA from IIFT Delhi
Experience of MMTC(1.5 years), SBI and Entrepreneurship for (3 years)
3rd Dec Delhi (Total 6 panel members)
1. Where did you learn Marathi from. Next 5 mins of interview went on Marathi only like Grammar and script and all
2. Why Left SBI . It was a good career opportunity for you: Answer : I Left it for higher studies.
3. Why Leaving MMTC , it is in line with your IIFT academics. Explained telling abt interest in banking sector and how I can use
my experience in RBI
4. Balance of Payments, Deemed Exports , Duty Drawback Arbitrage and CASA. Was grilled on Deemed exports and Arbitrage
5. What was your role during your 4 months short stay in SBI
6. What else did you do in Pune (I was posted in Pune main branch of SBI) Why Pune is famous: Told about IT, Automobile,
Education industry, NDA ,
7. Asked about my experience as an entrepreneur. major learning and reason for closing it down.
That's it.
Mixed feeling about it as I got confused in some of the technical questions.
All the best guys.

interview date - 27 nov 2014

the very first question by the chairman of the panel - You have done Btech, Mtech why do u want to join RBI?
Ans - decided to prepare for govt jobs right after the grad..but enrolled in Mtech coz didnt felt it thoughtful to sit idle and just
prepare for competition..
the why in the field of economics and finance??
Ans - those days are gone when a less developed economy could subjugate another merely on the basis of its defence sector's
strength..now is the era of economics...a country is revered globally on the basis of its economic might..
then i gave the example of north korea...high spending on defence but people dont know how to operate an ATM..
Chairman gave me 2 counter examples - Russia and China...couldnt counter him ..and then topic was changed
Chairman started the debate of socialism and communism...which one is better..asked when socialist term was added to
preamble..thnx to UPSC prepn 42nd Amd Act 1976...then he asked another term which was added..couldnt recall..
another member then came to my rescue..he asked the chairman to change the topic...then the chairman asked a few
questions on simple economics - why should we promote economic devt and all..n
another member asked about India being underbanked overbanked or what and why?
how many bank branches in India (asked for approx no.)
another member asked about financial inclusion, business correspondents, business facilitators..answered all but business
facilitators..
lady member asked about notification regarding the notes prior to 2005 not to be henceforth valid..reason and why..told her to
prevent money laundering,...what is money laundering??
thats it..20-25 mins

ere I go..mine was today..

panel was chill..although I wasn't ...it lasted for only 15 mins (bcz lunch time was close so they were just trying to cut short the
time, i think so)
- focus was majorly on your bio data
- in my case started with me previous employer (a Navratan )
-work profile there..and some more questions
-questions on my gap (I left job and was preparing for civil services)
-some current related topics (fed reserved tapering, FDI, FII)
- some general questions on deplorable conditions in India in some fields
-again question about civil service preparation
-some sports related (hobby related)
broadly they covered these aspects for me...and I think for most of other guys also they focused mainly on their bio data..

@all...I think I am the first one to share my experience here..all the best to all

Grade B Interview experience. (04/02/2015, New Delhi)

I was first to be interviewed Time taken- 18 to 20 minutes
Chairman: You have got an interesting profile. You are postgrad in economics and selected as Assistant
Commissioner(commercial taxes). Do you really want to join RBI?
Answer: definitely sir! (Should have explained more why I want to join RBI, but didnt get the chance to explain myself)
Chairman: you have mentioned in your bio data that your area of interest includes defence issues! What kind of issues you like?
Answer: both operational aspect and strategic issues.
operational issues like deployment of armed forces, their warfare doctrine, operational impediments etc.
strategic issues includes Indian military strength and its underlying role in achieving our foreign policy objectives, relations with
our neighbours, threats and opportunities etc.
Chairman: do you agree with the practice of deployment of armed forces for civilian purposes?
Answer: sir, armed forces are deployed in civilian areas for counter insurgency operations and calamity relief duties. Ideally
armed forces should not be deployed for civilian duties.
Chairman: why?
Answer: armed forces need to be moved from their operational deployment duties and this compromises the security of that
area. Moreover they are not trained for calamity relief duties. Since our NDRF mechanism is not robust enough to take care of
it, we have to call our armed forces for such duties as they are the most organised and disciplined force to do the task. Its the
inefficiency of civilian administration which requires deployment of these forces.
Member 1: why India lost 1962 war with China?
Answer: there were many reasons for Indias defeatlack of preparedness for a war on eastern front, topographical constraints (explained how china is fortunate to have a flat
topography on its side of the border while India faces a very steep terrain which makes it impossible for India to quickly deploy
its forces while china can deploy it within a short notice), obsolete machinery and poor border infrastructure.
Member 1: there was a report on 1962 war do you think it should be put in public space?
Answer: Sir, Henderson Brook report on 1962 war contained much sensitive information which government conceived as too
crucial to be released in public domain, but in my opinion it should be declassified now so that we can learn from our past
mistakes. India need to have a clear cut time bound declassification policy.
Member 2 (Lady Member): it has been observed that china intrudes in our territory quite often and we are not able to respond in
an effective way... what can be possible solution?
Answer: Mam, frankly speaking ground reality is that we cannot have a military solutions to these problems because we cannot
match the Chinese militarily strength on our eastern front. We can adopt a balanced two pronged approach of adopting
diplomatic pressures as well as developing robust military infrastructure on eastern border to counter Chinese pressures.
Member 3: tell us about the recent changes in the monetary policy statement?
Answer: repo rates, CRR etc has been kept unchanged and only SLR has been reduced by 50 basis points from 22% to 21.5%.
Member 3: what does it means?
Answer: it means that banks now need to invest less in G-secs and it has resulted in infusion of Rs.45000 crores liquidity in the
banking system. In simple terms, Banks now have more money now to lend further.
Member 3: what else was there in monetary policy statement apart from policy rates?
Answer: Under liberalised remittance scheme, limit increased to $ 250,000. (When asked to describe this scheme, instead of
saying it as outward remittance scheme I described it as an inward remittance scheme...big blunder)

Member 4: it is said that India owed its forex reserves while china owned it. What does it means?
Answer: Sir, china has a current account surplus and therefore its forex reserves are earned, India on the other hand has a
current account deficit and most of the forex reserves are a result of capital account inflows and therefore are owed.
There were some more questions which I am not able to recollect.
Special thanks to Susheel Ragade sir for his guidance and support.

My RBI Grade-B Interview.

4/2/15 , New Delhi.
My profileleft job in Aug'14 after 4 years work-ex as Application Developer in IBM.
B.Tech in Computer Science & Engg - 2010 batch.
I was the 2nd candidate to be called in.My interview duration was 17-18 minutes.
Chairman(C):You have 4 years of work-ex in IBM. What's your role and the nature of your work? What applications you
developed? Why have you left the job?
You have been member of IBM community service club , it's good. but it's just hobby or it's abiding? from where this is
inculcated in you... family/school/college ?
M1:In what way your IT skills can useful in RBI? It's your IT skills or your interest in economic/financial matters that is pushing
you for a career in RBI?
M2:In what way RBI regulates and supervises the banks ? give examples.
M3:You left you job because your leave request for exam preparation wasn't approved. Were you satisfied with your job
otherwise? What other exams you are appearing for ?
You can read/write/speak sanskrit . What have you read recently in sanskrit?
M4:You played cricket in your school-college days. You still play it? Where?
M5:Tell me about recent monetary policy review of RBI? Why RBI hasn't reduced Repo this time? What is fiscal consolidation?
C: To achieve fiscal consolidation,what can be reduced easily? Plan/Non-Plan expenditure?
Thanks.

My Replies to::
C: I was Application Developer and I developed both web-based and mobile based hybrid applications which can be used on
any type of operating system like Android, IOS, Windows, etc.I left my job because my leave request for exam preparation
wasn't approved. Spirit of service is inculcated in me as family values and school values and it's not just a hobby. M1:It's era of
automation and internet.I'll easily adapt to new technologies.IT as my skill-set and my interest in macroeconomic developments
both are factors. M2:priority sector lending. M3:to give my 100% effort for this RBI exam, I had to take this decision.Otherwise I
was satisfied with my job in IBM.Other exam appearing-IBPS-Specialist(IT)./*(I avoided UPSC story)*/ I read some books in
Sanskrit but not regularly. M4:Recently I played cricket in IBM as my project team captain in campus ground. M5:RBI has
reduced SLR but not Repo as was 2 weeks back.RBI reduces Repo by analysing the disinflationary trend and fiscal
consolidation stance of govt. Fiscal Consolidation means minimising the deficit and wasteful expenditure. C: As per
C.Rangarajan, the distinction between Plan & Non-plan is redundant, both are equally important. anyways answer: Non-plan.

04/02/2015
Verification starts at 9:15 AM and Interviews starts from 10 AM sharp. I was the 6th one to be called in.
Chairman: What is this nanocomposite written in your form? Is it used as a fuel in fuel cell? Ohk not as a fuel. But why do we
need nano-composites? How are they any different?
Member 1: Have you worked somewhere till now? Have you got an opportunity to sit for civils interview? So, waiting for results
this year? Do you want to be a DM and have a danda in your hand? Then?
Do you follow news related to economics? Questions on payment and small bank? Why are players interested in getting into
this segment? What are the requirements? Why not in normal banking domain? Can you tell the specific reason?
Member 2: What is the biggest role for which RBI supervises banks? How? Who are these customers? Are all citizens included
in it? How are NBFCs different from banks? Why should RBI regulate them too? What is the link between banks and NBFCs?
Chairman: What is the primary activity of NBFCs? How do they get money to lend? But initial capital is not enough, what else?
Member 3: Why there aren't spectacles in your pic in form but you're wearing one? Have you heard of the recent TT
tournament? Do you know which team won it? Why do think we are lagging behind in TT? While non-cricket sports like
badminton are also picking up, why don't we still have TT players of international recognition?
Member 4: On what is the scenario for employment of engineers. Why did you choose engineering? Why shifting?
Chairman: What is human progress? Out of technocrats/politicians/administrators, who makes the highest impact on human
progress? Can you name some administrator or policy maker who has brought further human progress?
PS: In hindsight, I feel it was an average interview and I could have answered many of the questions in a better way than I did.
All the best to those who are yet to sit for interviews. And my gratitude to this group which helped me in my preparation.

My interview experience...
Chairman asked me about financial modeling...I answered it..some counter questions...I again answered them..he said '
satisfactory'
Next member asked about payback period..I answered..the question was twisted regarding payback period..I couldn't
answer..he asked about IRR..I answered..everyone was satisfied...he asked about NPA provisioning in balance sheet...I was
answering...but chairman asked another question related to profit and loss NPA provisioning...I couldn't answer it..
Next member: asked about gearing in banks and companies..I answered it...chairman asked about the ideal ratio of debt
equity..I answered 2:1..he asked for banks..I dint know that...then member asked about the difference between provisioning and
reserves...I could not ans this as I was running around the bush...so I said sorry sir I will go home and study it..he was not
satisfied
Next member asked about the time period after my

m.com..I said I gave ugc net and thought to apply for

lecturership but got tilted towards competitive exams..then he asked me why I don't go for mphill...chairman stopped him and
said that I have already answered it..then the member asked about other exams...I said ibps..SBI..nicl..sebi..sidbi..and then he
asked about the interviews I have given..I said that I appeared for ibps interview and I am expecting positive..
Lady member asked : while preparing for RBI..did you visit the website...what did you see on the front page...I said about us
section..speeches section..FAQ section...annual policy link..she asked what else..I said what's new section which gets updated
regularly..she asked what else..I said I am not remembering them as she was not satisfied
Next member : asked one very general question about notes in circulation..I made a blunder on this and answered wrong..
Timings : 12 min

enue : delhi
6 members ...
i was 3rd to be interviewd.
1st person was interviewed for 25 mins , 2nd for 10 , mine was around 17 mins...
chairman sir .... you have done electronics from bits pilani ... very impressive ...( no ques on elec in whole intervieww .)
had 1 year analytics experience ... so he asked be oldest vodka brand ( i worked in absolut data ) - could't answer
then asked me about "big data" - i gave ans but he was not impressed .
then asked me about the project i worked on and tools we used--- told briefly then he stopped me ...
then other member asked few questions on monetary policy, instruments of it and some effects --- answered them --supplementary questions were asked..
then other member asked question on FSLRC and wholesale bank ...
then i was asked how i can use analytics in rbi --- i could/should have answered it in a much better way... i went bit off track and
lost the plot...
then i was asked about some questions on rbi functions ...like banker to govt and lender of last resort...
at last lady member asked me about what i did after leaving my job in 2012--- i said i left for public sector exams --- gave 3 upsc
mains, twice rbi, rajya sabha interview and PMRDF interview...
then she asked me about how m paying my education loan..
then if you are nt selected this year in upsc and rbi then whats the plan b --- i said i will give both of them again.
then chairman said we are done. your intervie is over.
my hunch is that --- i made 2-3 blunders ( but board was very cordial throughout so i didnt realise it then and there--- and they
are supportive with everyone)...my saving grace was no electronics ques was aksed...honestly i feel i gave a very very average
interview ( but was calm and confident throughout , didnt panick ) ...but i have the feeling that my mains was good ... so i am
expecting good marks there although its v unpredictable....
but overall having good vibes relative to what i had when i post last night.
rest is upto god. fate is sealed . my part is done. now upsc interview prep starts before its late .
anyone having any ques ...please ask...this is not my original a/c ... i didnt use it since i stated upsc prep... stil i will check this
one if anyone has anything to ask...else good luck to each one of you.

enue : delhi
6 members ...
i was 3rd to be interviewd.
1st person was interviewed for 25 mins , 2nd for 10 , mine was around 17 mins...
chairman sir .... you have done electronics from bits pilani ... very impressive ...( no ques on elec in whole intervieww .)
had 1 year analytics experience ... so he asked be oldest vodka brand ( i worked in absolut data ) - could't answer
then asked me about "big data" - i gave ans but he was not impressed .
then asked me about the project i worked on and tools we used--- told briefly then he stopped me ...
then other member asked few questions on monetary policy, instruments of it and some effects --- answered them --supplementary questions were asked..
then other member asked question on FSLRC and wholesale bank ...
then i was asked how i can use analytics in rbi --- i could/should have answered it in a much better way... i went bit off track and
lost the plot...
then i was asked about some questions on rbi functions ...like banker to govt and lender of last resort...
at last lady member asked me about what i did after leaving my job in 2012--- i said i left for public sector exams --- gave 3 upsc
mains, twice rbi, rajya sabha interview and PMRDF interview...
then she asked me about how m paying my education loan..
then if you are nt selected this year in upsc and rbi then whats the plan b --- i said i will give both of them again.
then chairman said we are done. your intervie is over.
my hunch is that --- i made 2-3 blunders ( but board was very cordial throughout so i didnt realise it then and there--- and they
are supportive with everyone)...my saving grace was no electronics ques was aksed...honestly i feel i gave a very very average
interview ( but was calm and confident throughout , didnt panick ) ...but i have the feeling that my mains was good ... so i am
expecting good marks there although its v unpredictable....
but overall having good vibes relative to what i had when i post last night.
rest is upto god. fate is sealed . my part is done. now upsc interview prep starts before its late .
anyone having any ques ...please ask...this is not my original a/c ... i didnt use it since i stated upsc prep... stil i will check this
one if anyone has anything to ask...else good luck to each one of you.

interview experience-date-15th Jan,2015

Venue-RBI,Lucknow
Category-Gen
Interview Medium-Hindi(I think I am more comfortable with Hindi,I wrote phase-2 also in Hindi)
Today total 14 candidates were there and I was the last to be interviewed.
Panel-Sardarji as chairperson and 4 other male members and one female member(I think I have seen her in loksabha channel
debate videos,don't know her name)
they asked about hobbies(tt,badminton,writing poems,once made a short movie);two ques on computer science which I couldn't
tell-metadata and bigdata in data structure(Graduation- Btech in Computer Science);why i want to be an ias (i wrote on biodata
that i left my job for preparation of civil services) then why do you want to join RBI,will RBI not be hurdle in achieving your goal
of civil services,some simple economy questions-what is growth rate of india,is it ok or low,what should be growth rate
according to you,what will happen by good growth rate;Has faculty quality been diluted in IITs(I graduated from one of the new
IITs)
thats all..
overall I think it was a nice experience.I would rate my performance from avg to avg+.Be real and be original and prepare
graduation,work experience,hobbies,why RBI ect well if you are not from banking sector.
P.S.-I am not DRAGGON...

interview experience-date-15th Jan,2015

Venue-RBI,Lucknow
Category-Gen
Interview Medium-Hindi(I think I am more comfortable with Hindi,I wrote phase-2 also in Hindi)
Today total 14 candidates were there and I was the last to be interviewed.
Panel-Sardarji as chairperson and 4 other male members and one female member(I think I have seen her in loksabha channel
debate videos,don't know her name)
they asked about hobbies(tt,badminton,writing poems,once made a short movie);two ques on computer science which I couldn't
tell-metadata and bigdata in data structure(Graduation- Btech in Computer Science);why i want to be an ias (i wrote on biodata
that i left my job for preparation of civil services) then why do you want to join RBI,will RBI not be hurdle in achieving your goal
of civil services,some simple economy questions-what is growth rate of india,is it ok or low,what should be growth rate
according to you,what will happen by good growth rate;Has faculty quality been diluted in IITs(I graduated from one of the new
IITs)
thats all..
overall I think it was a nice experience.I would rate my performance from avg to avg+.Be real and be original and prepare
graduation,work experience,hobbies,why RBI ect well if you are not from banking sector.
P.S.-I am not DRAGGON...

MY INTERVIEW EXPERIENCE
You have mentioned that you won medal in tennikoit. So what is tennikoit? This is the first time i
am hearng such a word. Explain me that game.
So you have done electrical and electronics engineering. Worked with an mnc like hcl. HCL was
growing rapidly in the last few years. So what was your work in HCL.
Now HCL is inclining towards hardware. So what is HCL's line of business.
Apart from being in IT department in IOB what else have you learnt about IOB?
What are the financial parameters based on which you say IOB is a good bank.
What is IOB's CASA
Why is NPA more in public sector banks and not in private sector banks.
Why there was a loss in the last quarter. What happened.
You say your bank has good staff and NPA is very high. Aren't they contradictory?
What is SLBC.
Your bank is SLBC to which state.
Explain Lead bank.
Financial inclusion was a term not used in 1960s. How do you say lead bank dealt with financial
inclusion.
Are banks leveraging technology to a good extent?
What are the problems with financial inclusion through technology.
What is the use of paywave debit card. It is just like any other card.
What is ..... live..... (SOME PRODUCT). Its a microsoft product.
If selected will you contribute only in the technology department?
What ios ip messenger. Why was it banned to be used in banks. Replacement?
What is IDRBT. What are the licenses IOB is dealing with IDRBT.
Thank you Anand.
That is all

nterview experience 7th Jan, 15

Venue: Hyderabad
Background: BE (Comp engg)+ MBA, Finance and interational trade (IIFT, Delhi)+ 16 months of
work exp with a trading firm.
Interview duration: 18-20 minutes
Pleasantries exchanged
Sardarji starts: I like the words and adjectives you have used in your bio data "avid reader, good
singer, decent photographer, lone wanderer"
Questions on music (english 60s, 70s, Indian bands)
Questions on choice of books (abstract, philosophy, random) why abstract? recent books read (a
lot of haruki murakami) what/who was kafka (Franz Kafka)? few other books.
Panelist 2: which is the latest FTP (09-14)? incentives for exporters( FPS, MLFPS, DEPB, etc)
difference b/w FPS and MLFPS? A question on MLFPS regarding its intention which I couldn't
answer.
Panelist 3: Share of India's exports in world trade, why so low? what's wrong with Indian export
sector? why hasn't the export growth picking rate?
Panelist 4: Have you heard about make in India? What is it? What has Rajan been saying? Why?
make an assessment. why so much hullabaloo ? who is right?(of course Rajan cos you want to
join RBI, everybody laughs :-/) What is interest subvention? Is it a subsidy?
Panelist 5 (the lady): What is EEFC? what's the funda? what guidelines did RBI give wrt EEFC to
combat the currency outflow? what is a nostro account? how many nostro account can a bank
have? (wild guess: one account for each currency with each foreign branch)
That's all. Was quite chilled. I wished for it to be longer but i think they were hungry(were talking
about lunch before starting my interview). fingers crossed.

Here I go...
1 tell me what you learn in engg? It should be something interesting in nature. Question by
chairman
2 diff between the organizational structure in SBI and other banks. This was asked because I
worked for Andhra Bank and then for SBI
3 PJ Nayak committee
4 fiscal deficit , its target , can we reach it , steps the govt should take to reach the target.
5 inflation vs growth and urgit Patel committee
6 how your engg will help RBI
Interview exp mixed feeling.. Not good not bad
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