Bank rate 9%, MSF 9%,REPO 8%,RE REPO 7% SLR 23% CRR 4.

75% Know the bank The first step to the preparation of bank interview is knowing the bank of which you have cleared the exam. Almost all banks today have their website to promote financial products and provide online banking for their customers. Know about their history, services, products, achievement, management, as well as their values. Practice interview questions Ask a friend to help you prepare for basic interview questions. Interviewers would ask about you, your family background, strengths, weaknesses, the reason they should hire you etc. Give a copy of your resume to a friend and allow him/her to question you about your education and work experience. Preparing situation based questions Interviewers might ask the candidates questions related to their personal life or work history when they had to face issues or conflicts with a tough boss, a stubborn customer or an arrogant co-worker or pleasant experiences when an employer or customer was pleased with your work. The motive is to judge the candidate as a team player, his/her efficiency in handling a specific situation, honesty etc. The candidate should ensure to answer these situational questions with a real-life example. Practice questions Once you are prepared with the interview questions, sit or stand in front of the mirror and practice looking yourself in the eyes. Pay attention to the nervousness, the way you speak, its pace and clarity of words. You can even record your voice to notice the problem areas and rectify them. Prepare questions to ask the interviewer Generally it is expected of the candidate to ask questions about the company or position at the end of the interview. The interviewee can ask questions about the duties at the bank. Dress up Besides preparing for the interview, it is important that the candidate is perfectly groomed and has a professional interview outfit. Both men and women should wear business suit, that are clean and wrinkle free. Why u want to join bank? Banking is in fact one of the fastest growing sectors in the world. Plus the job in a bank ensures that you get the proper respect in society. If you join the bank he gets respected I society earns a decent income and there is always a sense of job security with you. These are the main reasons why I am joining the bank. Banking is one of the fastest growing sectors in India with more stable and high growth and more over providing wide range of career opportunities for graduates. So I want to take this opportunity to join in this bank. Banking Sector offers tremendous growth opportunities. Candidates reach from Trainee Officer level to a General Manager level. 2) Bank Employees have respect in society, since there is direct interaction with the customers. 3) One of the maojor reason is Job security, especially with Public Sector Banks. 4) Banks provide a challenging working environment, anyone who loves to achieve work goals will definitely like a banking job. yes, i am an engineer. but now i want to pursue my carrier in a banking side, as it is a very reputed job. the main thing is that a government job. it is a very standard bank. number 1 bank in India and it gives very much facilities to there employees and there is a vast promotion facilities in this service sector. so all these things make my mind to shift in this side.. banking sector is one of the blooming sector at present andis right platform to develop my skills. i found brightfuture in this sector. 1. What is meant by Repo Rate? The rate at which the RBI lends money to commercial banks is called repo rate. It is an instrument of monetary policy. Whenever banks have any shortage of funds they can borrow from the RBI. 2. What is meant by Reverse Repo Rate? Reverse Repo rate is the rate at which the RBI borrows money from commercial banks. Banks are always happy to lend money to the RBI since their money are in safe hands with a good interest. 3. What do you mean by CRR Rate? Cash reserve Ratio (CRR) is the amount of funds that the banks have to keep with the RBI

4. What is meant by SLR Rate? SLR stands for Statutory Liquidity Ratio. This term is used by bankers and indicates the minimum percentage of deposits that the bank has to maintain in form of gold, cash or other approved securities. 5. What do you mean by Bank Rate? This is the rate at which central bank (RBI) lends money to other banks or financial institutions. 6. What is meant by Inflation? 6.87% Inflation is an increase in the price of a basket of goods and services that is representative of the economy as a whole. 7. What is meant by Deflation? Deflation is characterized by a fall in the general price level over a specific time period. As an economic concept just opposite to Inflation, Deflation at times denotes a reduction in the size of money supply, from the economic viewpoint. It is this condition which is commonly known as the 'Contraction' of the money supply 8. What is meant by Deposit Rate? Interest rate paid by a depository institution on the cash on deposit. 9. What is meant by FII?( Foreign Institutional Investor) The term is used most commonly in India to refer to outside companies investing in the financial markets of India. International institutional investors must register with the Securities and Exchange Board of India to participate in the market. 10. What do you mean by FDI? Foreign Direct Investment, Foreign direct investment (FDI) is investment directly into production in a country by a company located in another country, either by buying a company in the target country or by expanding operations of an existing business in that country. 11. What is meant by IPO? Initial public offering. e first sale of stock by a company to the public. a private company transforms into a public company 12. What is meant by Disinvestment? the withdrawal of capital from a country or corporation. 13. What do you mean by Fiscal Deficit? Fiscal deficit is an economic phenomenon, where the Government's total expenditure surpasses the revenue generated . It is the difference between the government's total receipts (excluding borrowing) and total expenditure. Fiscal deficit gives the signal to the government about the total borrowing requirements from all sources. 14. What is meant by Revenue deficit? It is an economic phenomenon, where the net amount received fails to meet the predicted net amount to be received. 15. What do you mean by GDP? Gross Domestic Product 5.5% GDP = private consumption + gross investment + government spending + (exports imports) market value of all officially recognized final goods and services produced within a country in a given period. GDP mesausre the market value of all final goods and services produced within a country in a given period of time. 16. What is meant by GNP? NP measures the market value of all final goods and services produced by a countrys citizens or residents. An estimated value of the total worth of production and services, by citizens of a country, on its land or on foreign land, calculated over the course on one year 17. What is meant by National Income? national income is equal to GNP less the consumption of fixed capital The total amount of money earned within a country. 18. What do you mean by Per Capita Income? Rs 53,331 Per capita income or average income or income per person is a measure of mean income within an economic aggregate, such as a country or city. 19. What is meant by Vote on Account? The discussions on the budget proposals take a lot of time. So this is an interim arrangement where the Lok Sabha is authorised to grant a vote on account to the government to meet the necessary expenditure on various items till the budget proposals are cleared by the Lok Sabha 20. Explain the Differences between a Vote on Account and an Interim Budget?

As said a vote on account is only about the outgoing Governments income and expenses made during the last year and also to seek the Parliaments nod for the expenses proposed to be made in the next few months. There are no sops announced in a vote on account and there is no talk about generating income through taxes. A budget on the other hand is a full annual budget and will include the report card for the last year, income and expenses to be made in the next financial year through taxes and welfare measures and also any sector wise sops. 21. What is meant by SDR? Special drawing right Special Drawing Right. An artificial currency unit based upon several national currencies. 22. What is meant by SEZ? Special Economic Zone Special economic zone is a particular area inside a state which acts as foreign territory for tariff and trade operations. Govt. provides tax exemption (IT, Excise, customs, sales etc.), subsidised water and electricity etc. 23. What is meant by Open Market operations (OMO)? The buying and selling of government securities in the open market in order to expand or contract the amount of money in the banking system. Purchases inject money into the banking system and stimulate growth while sales of securities do the opposite. 24. What is meant by Micro Credit? The lending of small amounts of money at low interest to new businesses in the developing world. 25. What do you mean by KYC? Know ur customer 26. What is cash profit? CASH PROFIT is profit after tax plus depreciation. 27. What is meant by Liquidity Adjustment Facility (LAF)? A tool allowing banks the ability to borrow funds through repurchase agreements, as well as allowing them to respond to liquidity pressures. Thus, it helps banks to resolve short term cash shortages in times of economic instability. This adjustment facility also is used by some governments in order to assure stability in the financial markets. 28. What is meant by RTGS System? e acronym 'RTGS' stands for Real Time Gross Settlement, which can be defined as the continuous (real-time) settlement of funds transfers individually on an order by order basis (without netting). 'Real Time' means the processing of instructions at the time they are received rather than at some later time.'Gross Settlement' means the settlement of funds transfer instructions occurs individually (on an instruction by instruction basis). Considering that the funds settlement takes place in the books of the Reserve Bank of India, the payments are final and irrevocable. NEFT is an electronic fund transfer system that operates on a Deferred Net Settlement (DNS) basis which settles transactions in batches. In DNS, the settlement takes place with all transactions received till the particular cut-off time. These transactions are netted (payable and receivables) in NEFT whereas in RTGS the transactions are settled individually. For example, currently, NEFT operates in hourly batches there are eleven settlements from 9 am to 7 pm on week days and five settlements from 9 am to 1 pm on Saturdays. Any transaction initiated after a designated settlement time would have to wait till the next designated settlement time Contrary to this, in the RTGS transactions are processed continuously throughout the RTGS business hours. The minimum amount to be remitted through RTGS is ` 2 lakh. There is no upper ceiling for RTGS transactions. 29. What is meant by Bancassurance? The Bank Insurance Model ('BIM), also sometimes known as Bancassurance', is the term used to describe the partnership or relationship between a bank and an insurance company whereby the insurance company uses the bank sales channel in order to sell insurance products. 30. What is meant by Wholesale Price Index (WPI)? prices paid by retail stores for the products they would ultimately resell to consumers. The Wholesale Price Index, abbreviated WPI, was the forerunner of the modern Producer Price Index (PPI). The WPI was first published in 1902, and was one of the more important economic indicators available to policy makers until it was replaced by the PPI in 1978. The change to Producer Price Index in 1978 reflected, as much as a name change, a change in focus of this index away from the limited wholesaler-to-retailer transaction to encompass all stages of production 31. What is meant by Consumer price Index (CPI)? CPI. An inflationary indicator that measures the change in the cost of a fixed basket of products and services, including housing, electricity, food, and transportation. The CPI is published monthly. also called cost-of-living index.

32. What is meant by Venture Capital? Capital invested in a project in which there is a substantial element of risk, typically a new or expanding business 33. What do you mean by Treasury Bills? A government obligation, sold at a discount, maturing in one year or less, and pays no interest prior to maturity 34. What is meant by Banking Ombudsmen Scheme? The Banking Ombudsman Scheme enables an expeditious and inexpensive forum to bank customers for resolution of complaints relating to certain services rendered by banks. The Banking Ombudsman Scheme is introduced under Section 35 A of the Banking Regulation Act, 1949 by RBI with effect from 1995. 35. What do you mean by Subsidy? A sum of money granted by the government or a public body to assist an industry or business so that the price of a commodity or service may remain low or competitive 36. What is meant by Debenture? An unsecured loan certificate issued by a company, backed by general credit rather than by specified assets 37. What are the types of debentures? From security point of view,redemption,records,priority,convertibility 38. What do you mean by hedge fund? Hedge funds definition says these funds are meant to hedge the investment through various techniques from the potential fluctuations in terms of losses in the markets. The hedge fund returns do net get affected by the direction of the underlying market 39. What is meant by FCCB? Foreign Currency Convertible Bonds A type of convertible bond issued in a currency different than the issuer's domestic currency. In other words, the money being raised by the issuing company is in the form of a foreign currency 40. What is meant by Capital Account Convertibility (CAC)? There is no formal definition of capital account convertibility (CAC). The Tarapore committee set up by the Reserve Bank of India (RBI) in 1997 to go into the issue of CAC defined it as the freedom to convert local financial assets into foreign financial assets and vice versa at market determined rates of exchange. In simple language what this means is that CAC allows anyone to freely move from local currency into foreign currency and back. 41. What is meant by Current Account Convertibility? Current account convertibility allows free inflows and outflows for all purposes other than for capital purposes such as investments and loans. 42. What is meant by Arbitrage? the definition should look something like, Buy in a cheap market and immediately sell in a more expensive market. It means Buy Low, Sell High. 43. What do you mean by Capitalism? Capitalism is an economic system that is based on private ownership of the means of production and the creation of goods or services for profit 44. What is meant by Socialism? Socialism is a political term applied to an economic system in which property is held in common and not individually, and relationships are governed by a political hierarchy. "socialism" applies to economic systems, whereas "communism" applies to both economic and political systems. 45. Explain prepayment and default risk Prepayment: The risk associated with the early unscheduled return of principal on a fixed-income security. Default: Credit risk is an investor's risk of loss arising from a borrower who does not make payments as promised. Such an event is called a default. Another term for credit risk is default risk.. 46. What are your techniques to estimate your teams performance? 1.Review Existing Organizational Measures Step 2: Identify Team Measurement Points Step 3: Identify Individual Results which Support the Team Step 4: Weight the Results Step 5: Create Measures for Each Result Step 6: Create Performance Standards Step 7: Create a Tracking System 47. What is transaction and core banking? Banks compete with each other to offer services at the lowest cost to corporations, on a service-by-service basis. Core Banking is a general term used to describe the services provided by a group of networked bank branches. Bank Customers may access their funds and other simple transactions from any of the menber branch offices at REAL TIME.

48. What is the importance of NRI banking? NRI Banking is done to attract NRIs to carry out financial transactions, like depositing amounts and other remittance into India through banking channels. NRI Banking was introduced by the Government of India in 1970, to bolster the balance of payments between Indian banks and NRIs through Non-Resident (External) Account Rules which are governed by the Exchange Control Regulations his would boost the economical growth in areas like Bihar, Kerela and Central India where the financial regulation as of now has been stagnant. NRE (Non Resident External Accounts) In can be in the form of Savings,Current or fixed deposits in Indian rupees.The funds in this account are fully repatriable. NRO (Non Resident Ordinary Accounts) It can be in the form of Savings, Current or Fixed Deposits in Indian Rupees.The funds in this account are not repatriable (only interest accrued is repatriable). FCNR ( Foreign Currency Non Resident Accounts) It can be in the form of fixed Deposits only,in the five major currencies ,namely US Dollars,GBP,DM,Euro,Japanese Yen.The funds in this account are fully Repatriable. 49. What is meant by ULIP? unit-linked insurance plan ULIPs are life insurance investment plans. They provide you with risk coverage in form of life cover so that your loved ones are financially secure. They also invest your money and you can get excellent returns. You can also avail tax benefits under Section 80C and 10(10D) of the Income Tax Act, 1961. As per current tax laws*, the premium paid is deductible from taxable income for maximum amount of Rs 100,000. 50. Forex? Have you heard about it?What is it? An over-the-counter market where buyers and sellers conduct foreign exchange transactions. The Forex market is useful because it helps enable trade and transactions between countries, and it also allows an investment opportunity for risk seeking investors who don't mind engaging in speculation. Why marketing is imp? Banks mainly deals with lending and deposit activities.In the case of lending, when the customer approaches the bank for a loan he would have done his reaserach. He would definitely have considered other banks beforing applying for a loan in our bank. So either low interst rates or the customer satisfaction would have helped him to apply for loan with our banks.So it is natural that an MBA holder in ,marketing can analyse the situation well and can respond to the needs of the customer.Similarily in the case of deposit customer satisfaction is predominant. The customer needs to feel that the bank respects the hard work he had done to earn the money which he is going to deposit with our bank. So it is all about understanding our customers and and marketing the bank well. It is what a marketing graduate can well do. Coal spectrum Coal Mining Scam or Coalgate is allegedly a corruption scandal in which the Comptroller and Auditor General of India (CAG) office accused the Government of India for providing the nation's coal deposits to private and state-run entities in an irregular and arbitrary manner instead of publicly auctioning them off to the highest bidder, resulting in a loss of approximately 186,000 crore (US$33.67 billion) to the exchequer during the period 2004-2009.[1][2][3] There were leaks of the report in media in March 2012 which claimed the figure to be around 1,060,000 crore (US$191.86 billion). [4] It is called by the media as the Mother of all Scams.[5][6] Discussion about the issue was placed in the parliament on 26th Aug , 2012 by the prime minister Manmohan Singh with wide protests from the opposition. [7] How was this made possible? To start with, the allocation process was flawed. Allocations were made on the basis of recommendations by Screening Committees, in the absence of any criteria. The process lacked transparency; it was arbitrary and gave space for corruption. It was contested internally within the coal ministry. A fairer auction policy was suggested. The government delayed taking a decision on the policy for over six years, while they continued to give away 142 blocks during that period. Meanwhile, the government has continuously misled the country by pointing to "delayed" environmental clearances of coal mines as being the primary reason for the coal shortage and power crisis in the country. The now emerging stories of corruption demonstrate that the problem lies elsewhere, even as the environment bogey is used to push favoured projects, such as Essar/Hindalco's Mahan project. It is clear that the demands from private players and the coal and power ministries to open up the last remaining forests in Central India for coal mining is nothing but an extension of this scam, with tigers and forest dependent

peoples' concerns being of absolutely no concern. Other beneficiaries of the scam who have been pushing hard for clearances at any cost include Essar, Adani, Jindal, Reliance and Tata. A Ministry of Environment and Forests press statement earlier this month have stated that clearances given by MoEF far exceed targets, and even capacity projected for the future and that figures and statistics which bear out this statement are available for every sector. All the big companies are named in the CAG report Essar, Hindalco, Jindal, Tata, Reliance are amongst the companies listed in the report. These are the same companies lobbying with the Prime Minister to set aside existing environmental processes and legislation to help them carry out the mining in cheapest possible way. If the coal blocks could be allocated at no cost, well surely the Prime Minister can bend the environmental rules in their favour. These companies have, in addition to displaying gross disregard for environmental concerns, been violating the rights of people both forest dwellers and those dependant on the forests for their livelihoods. The Forests Rights Act, which ensures that the rights of individuals and communities on forests is recognised, has been shabbily implemented, on the rare occasions that it has been implemented at all. Every dirty trick in the book has been used to entice, dissuade, threaten, dishearten and bully communities to give up their land for coal mining. All of this establishes that the government's commitment to ensuring private profit is paramount; even the government's own stated objective of increasing coal based power generation was not achieved. To explain its failure in this, it has been misdirecting attention to delayed clearances in a concerted manner. But the lie has been called. Bank Strike employees working with 25 public sector banks, 12 private sector banks and 6 foreign banks participated in the strike, said M V Rajan, district general secretary, of Coimbatore District Bank Employeees Association. He said that the reforms suggested by the government would totally affect the banking sector and the employees. The reforms suggest increasing foreign direct investment from 1 per cent to 10 per cent in public sector banks, and from 10 to 26 percent in private sector banks. In the name of banking sector reforms, the government is trying to reduce their share of equity capital in public sector banks, thereby, increasing their hold of private capital in these banks. The unions have been demanding the nationalization of all banks in the country, while maintaining the minimum FDI. He said that recommendations of Khandelwal Committee suggest outsourcing bank jobs and scrapping bipartite settlements done since 1966. Most of the recommendations are anti employee, he added. They are also demanding the additional staff. There are over 2 lakh vacancies to be filled. The government should allow a five day work week, appointment of people on compassionate grounds and increase in pension for retired employees. Few points need to be recorded to remove any ambiguity. On the same issue, strike was called for 2 days in July. It was deferred, as Govt promised discussion. As pointed out, this bill was previously tabled for passing during UPA I. It was vehemently opposed by the left, who were then propping up this Govt with support from outside. The Govt then beat a hasty retreat. This bill would facilitate private control of the financial institutions like Banks. Banking sector is one of the few PSU, which gives handsome profit to the Govt. It also ensures 100% security to the depositors, through its reserves standardized for Banking and Financial sector through Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR). Privatization would result in siphoning off the profit. The Govt would have no say on capital adequacy. The deposits of the common man would be exposed to the vulnerabilities of a vacillating economy, like that of equity market. The private players would neither have obligation or interest in Reserves and adequacies. We have seen the effects of the economic meltdown. Thousands of Private Banks and Financial institutions of profound financial repute vanished overnight. Millions of small investors were reduced to penury. I visited WIKIPEDIA to get a list of major Banks and Financial Institutions which faced bankruptcy due to the recession. I was surprised to find that scores of finance houses who were liquidated, were taken over by the States, or where the States have injected capital for their revival. The irony is inescapable. Private players have done business and reaped and siphoned off profit. When the business went bust, the State pumped in Capital to revive it. For all its failings and unpopularity, it needs to be recognized, that it is the left who saved the economy of this country from taking a knock from the recession, thereby saving millions from losing their lifes savings. Why in the hell are we going for the financial sector reforms, in its present form? This can be answered by those who signed the GATT. And for all I know, it is only a matter of time before the bill is tabled and passed, under the stewardship of any of the available political dispensations that count (except the left who no longer carry the necessary weight to effectively oppose the move). Again, whether this will ultimately be a boon or bane for the countrys finances, is a moot

point. The symptoms are malignant, and I will always root for a State controlled financial sector. Lastly, it must be made abundantly clear, that full salary would be deducted on no work no pay basis from all striking employees, i.e almost 100% of the employees, as almost all are members of one union or the other. This bill has got nothing to do with benefits of Bank employees. Another rejoinder in the passing. Bankmen are no longer well paid. To cut a tiring argument short, today a State Govt School teacher earns more than a Bank employee. MOGA It became part and headquarter of 17th District in the state, Moga district of Punjab State on 24th day of November 1995, by then Chief Minister Harcharan Singh Brar. Before this, Moga was a part of Faridkot District as a tehsil. Moga town is situated on the National Highway 95 (NH-95 Ferozpur-Ludhiana road). The area of Dharamkot block with 150 villages has been merged into Moga district, which falls under the jurisdiction of Ferozpur division. Foundation Moga was founded by Moga Singh Gill a forefather of the Gill community. Then this city went to the hands of his two sons Mehla Singh Gill and Ajit Singh Gill. This divided the whole city into two parts. Till now Moga City is divided into those two parts. MLA Sh. Joginder Pal Jain MP Faridkot(SC) Gulshan,Smt. Paramjit Kaur SAD Nestle Nestle Moga, dairy plant established in 1961, located on the west border of the town of Moga, is one if the most prestigious and hi-tech milk plant in the country. The plant procures dairy milk from the local farmers and also provides executive, technical and blue collar jobs to the local population. The main occupation of the region is Agriculture. Other main industries include cold stores and trucking. Truck Body Building is a major small scale industry is located in Moga City.It is one of the largest Bus and Truck Body Building Market/Industry in Punjab. Moga city is also known for its custom Jeep trimming industry. More industry is located on the east side of the town in Focal Point. Moga city is also famous for the biggest Tractor Bazar and also for the second hand Car and Jeep Market. The Company started milk collection in Moga in 1961 with a collection of 511 Kgs of milk from 180 farmers. It has substantially expanded its operations with over 85,000 farmers in its own milk district. Nestl uses local raw materials and develops local resources wherever possible. Milk Collection Centres with farm cooling tanks to preserve the quality of milk were established by the Company. Besides this, milking machines were provided to the farmers maintaining large dairy farms. Farmers were advised on good breeding and feeding practices, and on the health of dairy herds. Techniques for increasing milk yields at the farm were introduced. Nestl has invested in Chilling Centres and Farm Cooling Tanks. In addition to this, the Company provides assistance to farmers in the areas of cattle feed, quality fodder seeds, veterinary medicines and mineral mixture and procurement of bank loans. Nestl support goes further than the work with the dairy farmers. The Company is helping with the construction of facilities for drinking water and lavatories in village schools in the Moga Factory Milk District. This is a joint effort with the schools, parent associations and village administrations. Another project involved the funding of medicines for a Tuberculosis clinic which is treating residents from Moga town and the nearby villages. By working very closely with the farmers of the Moga Milk District and local administrators, Nestl has helped to raise the quality and hygiene of the milk produced there and improve the health and life style of the farmers and other residents. Its contribution to the creation of prosperity on an on-going and sustainable basis has not only transformed Moga into a prosperous and vibrant milk district today, but also a thriving hub of industrial activity. Here is the list of portfolios:Sr No Name Proposed Departments 1 P S Badal (10) 1.Personnel 2.Gen Adm 3.Power 4.Cooperation 5. Science Technology & Environment 6. Vigilance 7. Employment Generation 2. SS Badal (2) 1.Home 2. Governance Reforms 3.Housing 4.Excise & Taxation 5.Investment Promotion 6.Sports and Youth Services Welfare 7. Civil Aviation 3 Bhagat Chunni Lal 1.Local Government 2.Medical Education & Research 4 SS Phillaur (6-3) 1.Jails2.Tourism, Cultural Affairs, Archives & Museum 3.Printing & Stationery 5. APS Kairon (4-2 1.Food and Civil Supplies 2. IT 6. AS Kohar (4-2) 1.Transport 2. Legal & Legislative Affairs 3. Elections 7. GS Ranike (4-2) 1.Animal Husbandry & Fisheries 2. Dairy Development 3. Welfare of SC & BC

8. Madan Mohan Mittal (4-1 1.Health & Family Welfare 2.Social Security & Development of Women & Children 3.Parliamentary Affairs 9. PS Dhindsa (4-1 1.Finance & Planning 2.Institutional Finance & Banking3.Programme Implementation 10. JS Sekhon (3-2) Irrigation 11. Tota Singh (3-1) 1. Agriculture 12. Bibi Jagir Kaur (3-1) 1.Rural Water Supply & Sanitation 2.Defence Services Welfare 3. Removal of Grievances and Welfare of Pensioners 13. SK Jyani (3-1) 1.Forest & Wildlife 2. Labour 14. BS Majitha (2-1) 1. Revenue & Rehablitation 2.Information & Public Relations3. Non Conventional Energy 4. NRI Affairs 15. SS Malooka (2-1) 1.Education 2.Higher Education & Languages 16 Anil Joshi (2-0) 1.Industry & Commerce 2. Technical Training & Industrial Training 17. SS Rakhra (1-0) 1.Rural Development & Panchayat 18. SS Dhillon (1) 1. PWD In India 28 states and 7 union territory Andoman nikobar,chandigarh,delhi,pondichary,dadar and nagar,lakhsdeep,daman and diu 1.Where are you from? 20. Why do you want to work in this bank? 2. What can you tell us about your home town? 21. Have you applied for any other banks? 3. Tell me about your family 22. What do you know about this bank? 4. If you get the job will you be ready to work 23. Have you gone through our website? anywhere in India? 24. What is missing in the design of our website 5. Do you think your parents will allow you to work compared to the website of other banks? anywhere across India? 25. Have you attended any bank interviews before? 6. What is your ambition in life? 26. What can you say about the recent regime change 7. The why are you applying for the post of clerk? in uttar pradesh 8. Did you prepare for the interview? 27. What are the states where elections are going on 9. What all questions did you prepare? 28. What are the main differences you see in a private 10. What are your strengths and weaknesses? bank and public bank? 11. Dont you think you are over qualified for this 29. Have you heard about Basel 2? simple job? 30. What is the importance of Basel 2 in the present 12. Why not software after engineering? banking environment? 13. Do you have any bank account? 14. Where and why? 15. What type of bank account do you have? 16. What are the types of bank accounts? 17. What all details you need to fill up while withdrawing cash from the bank? 18. What do you mean by International Trade? 19. What is Balance of Payment?