IBPS PO V Interview Experience – Viraj – Pune

Hello and welcome to ExamPundit. Here is an Interview Experience of IBPS PO V shared by Viraj from Pune.

I reached the venue at
8:15 am and document verification started at 9:00 am. Every thing went nice.
There were 3 panels who
were taking interviews and in each panel there were 20 candidates. I was in
“Panel-1”. My No was 8.  Waited for 2 hrs and my turn came at
Me: May I come in, Sir.
M1: NO , just a minute. 
          Don’t know what to say ,was very
scarred , just waited. Then bell rang and the guy who was assisting us told me
to go inside.
Me : may I come in sir,
M1 : plz come in , have
a seat
Me : wished them good
There were 5 members ,4 male
and 1 female . only one of them was wearing suit, I think he was chairman of
the panel.
M1 : Viraj,,,, Atlast !
we got a commerce student.  Fedup with
these engineering students.
(I think they must have
had a bad experience about earliar students who were before me.)
I was in heaven .felt so
good , cant explain….
M1 : don’t know why so
many engineering student want to join bank.
Me :with a smile , I
don’t know sir , may be there are no jobs in their field
M2: and why so few
commerce ?
Me : again with smile ,
I don’t know sir , I think they are not aware about banking jobs.
M1 , M2 , M3 were
discussing amoung them self about engineering student.
Just kept listening .
            M3 said to M1 that there is nothing
wrong for engineers to join bank. Ther are few jobs and that to they are not
M2 interepted him and
said but sir these commerce students don’t need any special training .
I was on cloud 9. God I
was feeling so happy.
Their conversation
stopped. Then
M1 : viraj,,,, in commerce
economics must be one of your subjects , so tell mi what is micro economics and
micro economics?
(Not at all expected .
didn’t even asked for introduction)
Me: sir, micro is a
small term ,trade between retailer and consumer, and micro economics means
trade between countries.
I think they were not
M1 made me repeat this 2
times. He still didn’t get it.
M1 : micro means
Me : small
M1 : and macro means
Me : large
I think he still didn’t
get it
Made me spell micro and
M1 : what is difference
between hypothecation and pledge
Me: sir, if you get loan
for car or bike and if you default on payment than bank takes away your car or
bike , that is pledge,,,,,,,oh no sorry sorry 
,, sir that is hypothecation.
And pledge is where you
keep colaterall for loan.
M1 : then what is
Me : sir it is for
immovable property like house ,factory
Stopped me and asked
another question.
M1 : what is LLP ?
Me : I don’t know sir.
(only god knows what LLP
Later found out after
interview that LLP means limited liability partnership.
M1 : what is contingent
liability ?
Me: sir, these are not
liabilities . M1 interepted than why it is called liability ?
        Sir they are not actual liabilities but
can become a liability in future.
        Sir if a person make a claim of say 5000 rs
on company and that case is pending in court .the court may give any disicion
.so this 5000 rs is uncertain.
     That 5000 is contingent liability.
M1 : where it appears in
balance sheet ?
Me : sir , it doesn’t
appears in bal sheet. It is only added as a foot note in bal sheet.
M2 : what is msp?
Me: sir , its minimum
support price which govt dicides for certain agricultural product.
M2 : what product ?
Me : sir, rice , wheat
M2 : and cotton
Me : I don’t now sir ,
M2 : what about
sugarcane , who decides their price?
Me : don’t know sir. I
think economics affairs dept
 (M2 Didn’t look happy)
M3 : what is GDP
Me : told
M3 : what does bal sheet
Me : told , assets,
liabilities,,,,,,,,,,,…….etc etc.
M2 again : when you
completed your graduation
Me : sir 2012
M2 : then what were you
doing for so many years?
Me : sir, preparing for
competitive examination.
M1, M2 : started
laughing for 3 yrs you are studing…..
Me : sir, competition is
very tough.
M2 : I see you have
worked for wipro bpo , for 1 ½ years .why did you left your job ?
Me : sir the process
which I was working got shifted to manila- phillipines , also I have to work at
night . 8 pm to 6 am. Also it is not a secured job
M2  : then why did you joined a bpo if  you know they have night shifts?
Me : sir, when I was
completing my graduation the was a big craze about bpo , where these companys
used to come to our campus and hire young under graduated . you earn 15- 16K at
such young age your lifestile changes. Easy money…….thats why I joined bpo.
Madam : exactly what you
used to do in wipro?
Me : told , used to work
for airlines process.
Madam : there must be
passengers who shouts at you if their flight get canceled , then what you do ,
how you handel such passengers?
Me : mam , I first
appologise them , thell them the reason why flight is cancled,
       Find some other option what I can do , also
some times we cant do anything , but still I pretend that Iam helping them.
Make them fill that someone helping them.
M4 : can you tell me
names of deputy governers?
Me :  told.
M1: ok viraj , you can
go now , all the best.

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