Interview Qts - Bank/BPO - 7

Banking Interview Questions -7

• Whats the difference between RTGS and NEFT

• What are the possibilities of a public sector bank to compete with private sector banks.

• Define Prime Lending Rate
        It is the rate at which commercial banks give loan to its prime customers.

• What is the understanding on RTI act?

• How intangible assets are entered in balance sheet?

• name 5 private sector insurance companies

• what is parallel economy

• Define sub-prime crisis

• What is currency of Russia?

• What is the difference between bearer and ordered cheque

• What are intangible net worth

• What is your understanding on financial Inclusion.

• What is your understanding on capital markets

• What are the different accounts in banks and/or other financial institutions.

o Deposit account


       Checking accounts or current account

       Savings accounts

      Money market deposit account:

      Time deposit

o Personal account

o Sweep account

o Transactional account or demand accounts or demand deposit accounts

Interview Qts - Bank/BPO - 6

Banking Interview Questions -6

• What is the full form of ICICI ? Industrial Credit and Investment Corporation of India..


• Why were banks nationalised?

• What is the total count of no. Of PSU banks in India?

• Name any two banks which have overseas centre?

• What is the full form of HDFC ?

• What are the nationalized banks?

• What is the difference between c and visual basic and where are these used in Banks

• How and why computers are used in banks?

• Do you Indian Banking sector is too regulated

• What are fiscal deficit? What is its value

• What is Forex reserve of India?

• Whats is you understanding on Inflation,

• Where is the note printing press?

• What is NRE Account?

• What are your views on privatization of banks?

• What are the various divisions of NPA?

• When is an asset classified as NPA?

• What is GDP?

• Hows GDP calculated

• What is GNI?

• What is recession?

• what is meant by GDP? What r the services that r not included while calc GDP?

• What is the current GDP of India and proposed GDP for next year.

• Define RTGS

• Define NEFT?

Interview Qts - Bank/BPO - 5

Banking Interview Questions - 5

• What are the tools used by a bank to do there asset liability mismatch.


• Whats are the tools with RBI to control liquidity in market

• Who is the chairperson of RBI

• What is the role of FICCI

• Explain monetary and fiscal policy in brief?

• Which is the first bank established in India ?

• How net profit is entered in Balance sheet?

• Name few major mergers in banking sector

• What’s your view on consolidation of banking sector

• how many days rbi publishes its policies

• What is KYC

• What is diminishing marginal utility?

• How will you ascertain the risk of a customer?

• Whats is CIBIL?. What is its role

• Name few private banks

Interview Qts - Bank/BPO -3

Banking Interview Questions -3

• Name few regulatory agencies in Indian Banking Sector


• What considerations should be taken while making a portfolio ?

• What is the role of SEBI

• Where does an insurance company invests its funds ?

• What is single entry system?

• Benefits of double entry system to single entry system.

• What are treasury bills?

• How can we increase the foreign reserve of the country?

• What is your understanding on Core Banking?

• What is Yield

• what is basel accord?

• How is yield related to market price ?

• What is HTM & AFS ?

• Define ALM?

• What is mark to market?

Interview Qts - Bank/ BPO-2

Banking Interview Questions-2

• What is insurance liability?

• What is asset liability matching

• What is public liability?

• What is trade deficit?

• What is India's forex reserve?

• What is SEZ?

• Why companies setup Sez?

• What is balance sheet of the company?

• Functions of a bank?

• IRDP Scheme

• Rupee closing value yesterday/GBP closing value/ Euro closing value?

• What do you understand form mutual Funds

• What are SIPS?

• What are the normal investments options for a ordinary person

• What is Reinsurance?

Interview Qts - Bank/ BPO-1

Banking Interview Questions -1


1. What is CAR?

Capital adequacy ratio

2. Define Bank rate.

is the rate of interest which is charged by RBI on its advances to commercial banks. When reserve bank desires to restrict expansion of credit it raises the bank rate there by making the credit costlier to commercial bank.

3. What is the present value of SLR, CRR, CAR, RR, RRR etc

Can refer RBI sites for daily updates policy changes and Rate and Forex conversion rates, http://www.rbi.org.in/

4. What is CRR?

Specifies the percentage of their total deposits the commercial bank must keep with central bank or RBI. Higher the CRR lower will be the capacity of bank to create credit.

5. Define SLR?

Known as Statutorily Liquidity Ratio. Each bank is required statutorily maintain a prescribed minimum proportion of its demand and time liabilities in the form of designated liquid asset.

6. What is RRR (reverse Reporate)

Is the interest rate earned by the bank for lending money to the RBI in exchange of govt. securities or "lender buys securities with agreement to sell them back at a predetermined rate".

7. How can we control the liquidity in system with CRR.?

8. What is an escrow account? When is its required.

9. How much %govt should own to make the company govt owned?

10. What is a liability?

MBA admission- Finance

1. Why finance?


2. Which are the books that you have read on Finance?

3. Do you track market movements?

4. Do You understand budget?...

5. What is VAT?...

6. What is CST?

7. How is a B.Tech background gona help to in MBA? Especially Finance?

8. What do you understand from “Breakeven Point”

9. What is fixed cost

10. What is variable cost

11. How will break even be affected by fixed cost and variable cost

12. If fixed cost is high , will breakeven point increase or reduce

13. Whats Goodwill

14. How do you value a company

15. Basics of accounting- Debit and Credit