IBPS PO V: Interview Experience – Maumeeta Roy

By Arpit Kumar Jain|Updated : January 29th, 2016

Dear Aspirants,

Here is the Interview experience of Maumeeta Roy from Ranchi.

I reached the venue at 1.P.M. We all adjusted ourselves in a big hall. One member from IBPS came & said today is the last interview in Ranchi. So aap sab me kch baat hai jo lakhs of candidate ko piche leave karke yha tak aye ho, & aap me se hi kal koi PO and unme se hi Bank ke CMD banoge. All the best to all of you. We all wished Thank you sir.

My turn came around 5.20 P.M

Name- Maumeeta Roy

Educational Qualification– M.Com.

Place- Maple Wood, Ranchi


Date– 27.01.2016

5 panel member {4 Male+ 1 Female (she was one of my college bank staff)}

Me- May i come in Mam?

F1- aayee aayee

Me- Good evening mam! Good evening sir!

(They wished the same & said please sit)

Me- thank you sir

M3-Introduce yourself

Me- My name is Maumeeta Roy,…. (Explained including my family background too) & I said thank you sir.

M3- So your father is Engineer in L&T?

Me- No sir, he is senior accounts manager.

M1-(He was going through my documents) so by this time apko bank m hona chahye tha. I am telling very frankly.

Me- Yes sir, I have tried my best & this time definitely I will sir.

M1- So aap kb s interview de rhi ho?

Me- Sir 2010 se & ye 6th interview hai sir.

M1 & M2– What? aapki graduation kb complete hui?

Me- Sir, In 2013.

M1- So aap 2010 se IBPS de rhi ho?

Me- Sir, clerical pehle 2010-2012 tak 12th basis p selection hoti thi, then 2012 se it was changed to graduation.

M2- So aapne coaching join ki? And kha s pdhte ho ap?

Me- Sir Self-preparation & online test papers.

(Meanwhile M2 asked my last year written marks and interview marks. and this year attempts & how much m expecting)

M3- You are from commerce, Is Bank a commercial organization?

Me- SIR, bank is a commercial organization & includes financial, cost & mgt. too

M3- Do bank runs only for profit motive?

Me- Sir Bank work for profit motive with fulfillment of social objective too.

M3- Kaise explain?

Me- SIR, jaise govt. ki schemes ki benefit direct consumers ko provide krna, like DBT for PAHAL & DBT for kerosene which will start from 1.4.16. taki beech me koi intermediaries nhi aake subsidy benefit consumers ko mile jinka bank account hai.

M2- GIVE IT UP bhi start hui hai.. To SUBSIDY ka fayda kya hua?

Me- SIR aap bilkul sahi ho 14.62 crore family have joined LPG but most of them are not giving it up because most of the population are middle class families they have to pay other taxes too so most of them doesn’t prefer to give subsidy (pta nhi maine kya kya bol dia :P)

M3- Hmm. OK, How many sectors in PSL? And bank contributions towards PSL & AGRICULTURE?

Me- SIR, agriculture, micro & small enterprises, education, housing ( i forgot 2  ), i told sorry sir i can’t recall it right now . 40% & 18%

M3- Very good, 2 are export credit & others

M3- Kalko apko Loan Dept. mein Posting milti hai & koi corporate sector aaye to aap uski kis financial position ko dekh ke loan dengi?


M3- AND??

Me- (yaad hi nh aa rha tha) sorry sir.

M3- Projected Balance sheet ko dekh kar

Me– Thank you sir for helping me out.

M3- Ratio’s pdha apne?

Me- Han jee sir.

M3- Financial position ratio’s & ideal ratio bhi btayeye.

Me- Current ratio, Liquid ratio, debt equity ratio ( & I forgot the most imp 1 )

M3- Most imp one u forgot its DEBT SERVICE COVERAGE RATIO.

M2- To be very Frank Maumeeta, Interview are supportive but jab aap written m bahut acha perform karenge then only you will get final selection. DO u got? What I said. All the very best & best wishes from all of us. DO come soon to Bank.

Me- Yes sir. Thank you sir. Thank you Mam. HAVE a GOOD DAY sir.

Shukriya Neeraj sir for all your support & giving me the platform.

An Incredible Shukriya Sir 


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