IBPS PO Interview Experience 2025

The IBPS PO Interview is an important stage in the selection process for appearing candidates. Every candidate’s experience is unique, and the panel of interviewers plays an important role in assessing not only the technical knowledge but also the interpersonal skills of the applicants. Below we have shared experiences from candidates who appeared for the IBPS PO Interview on 11 and 12 February 2025.

IBPS PO Interview Experience 1

I was called for the IBPS PO Interview at Savvy Grand Hotel in Bhopal, and I was assigned Panel 2, which had five members—four males and one female. The interview began with the Chairman, who first asked me about my disability. This was an important question because I have a disability, and he wanted to understand how I would handle the physical demands of the job especially when it came to market activities and opening loans.

• How would you go to the market and open loans, given that you are handicapped?
  I explained how I would use assistive devices and technology to facilitate my mobility. I also highlighted my adaptability and ability to find alternate ways to reach clients.
• How do you tackle challenges, and what are your skills that make you the right choice for this role?
  I spoke about my problem-solving skills, communication abilities, and my adaptability, especially in situations that require creative solutions.
• Tell me about the recent changes in MSME turnover and investment.
  I provided an updated response on the increase in MSME investment, especially due to the government’s schemes, which provide financial support to small businesses.
• If you were asked to open 100 accounts in a day, where would you start?
  I suggested that I would approach local businesses, farmers, and entrepreneurs who could benefit from having an account. I also mentioned focusing on existing relationships and leveraging digital platforms for faster account opening.
• What is the new board being established and why is it being created?
  I was not entirely sure about this question, but I thought it might be related to a new regulatory body for monitoring the MSME sector. I should have clarified my answer better.
• If you are a branch manager and your junior is not doing their work properly, what would you do?
  I emphasized the importance of constructive feedback, understanding the reasons behind the poor performance, and helping them improve through training and motivation.
• Tell me about insurance schemes for unbanked rural people.
  I talked about the PMJJBY (Pradhan Mantri Jeevan Jyoti Bima Yojana) and PMSBY (Pradhan Mantri Suraksha Bima Yojana) which are aimed at providing affordable life and accident insurance to people in rural areas.

In total, I answered seven out of eight questions well, but I felt I did not handle one of the questions as properly as I could have. Despite this, I felt the overall experience was constructive and engaging.

IBPS PO Interview Experience 2

I had my IBPS PO interview in Bhopal at the same venue, Savvy Grand Hotel, but my experience was a bit different. The panel again consisted of five members, and the questions were a mix of technical, situational, and personal queries.

• How will your B-Tech degree help in the banking sector?
  I mentioned how my technical background would help in the banking sector, especially with technology-driven services like internet banking, mobile apps, and data analysis.
• As a computer graduate, why didn’t you apply for the IBPS Specialist Officer (SO) role?
  I explained that while the SO role aligns more with my technical background, I chose the PO role because I am more interested in leadership and management opportunities, where I can interact with clients and handle various banking operations.
• How do you plan to meet deadlines and targets in a fast-paced environment?
  I shared examples from my academic and internship experiences where I had to juggle multiple tasks and manage time efficiently to meet deadlines.
• How would you handle a customer trying to exert political pressure on you?
  I highlighted the importance of maintaining professionalism and following ethical guidelines, no matter the pressure. I would politely inform them of the bank’s policies and maintain a firm stance.
• What is the current repo rate?
  I answered correctly, mentioning the current rate and how it impacts the economy.
• What about the reverse repo rate?
  I explained how the reverse repo rate is the rate at which the RBI borrows money from commercial banks and how it influences liquidity in the banking system.
• What is Priority Sector Lending?
  I explained the concept of PSL and how it aims to direct credit to sectors like agriculture, MSMEs, and education, which contribute to the economy’s overall growth.
• Tell us about Dr. Ambedkar’s Birth Anniversary.
  I mentioned that Dr. Ambedkar’s Birth Anniversary is celebrated on 14 April and briefly discussed his contributions to Indian society, particularly in the framing of the Indian Constitution.

I answered all questions confidently, and at the end, I was asked to rate my performance in the interview. I gave myself a 7 out of 10, acknowledging areas where I could have been more concise or provided additional details.

IBPS PO Interview Experience 3

My interview was conducted in Lucknow at the Savvy Grand Hotel. The panel this time was more interactive, which helped me remain calm throughout the process.

• Tell us the full forms of various banking schemes.
  I was asked about schemes like PMJJBY, PMSBY, and Jan Dhan Yojana, which I answered without any difficulty.
• What is the difference between an order cheque and a bearer cheque?
  I explained the differences, emphasizing the signature requirement for an order cheque and the transferability of a bearer cheque.
• Tell us about a movie of Deepika Padukone.
  This was an unexpected question! I talked about Piku and its impact on Indian cinema, which helped break the ice and made the conversation more relaxed.
• How would you enhance branch business?
  I focused on customer engagement, community outreach, and introducing digital banking services to increase business volume and improve customer experience.
• What type of bank do you prefer to work for?
  I mentioned that I would prefer working in a bank that encourages innovation and provides opportunities for growth and leadership.

The panel was polite and encouraging, and the interview felt like more of a discussion rather than a strict evaluation. I left feeling confident and satisfied with my answers.

IBPS PO Interview Experience 4

The interview in Pune began with a brief introduction where I was asked to share details about myself and my educational background. After that, they asked me specific questions about the banking sector, starting with the Preference Question Bank for Maharashtra and Central Bank. I was asked to explain the difference between current assets and fixed assets, which required me to give a clear difference between the two.

The panel also asked about why the Indian economy is not growing as expected, and I discussed factors such as inflation, lack of proper infrastructure, and global economic challenges. Following that, they asked me about the pros and cons of artificial intelligence, and I explained its advantages like automation and efficiency, as well as its disadvantages, such as job loss and dependency on technology.

They then asked me to explain CASA (Current Account Savings Account), and whether more deposits are beneficial to a bank or fewer deposits. I explained that while more deposits generally provide banks with more liquidity and a larger lending capacity, there are limitations in terms of managing large amounts of deposits.

The discussion then moved to balance sheets, where I was asked what they are, and how goodwill is classified in financial statements, whether it is an asset or liability. Lastly, they asked me where the profit appears on a balance sheet, and I explained how profits are reflected in the equity section. Overall the interview was engaging, and I felt it was an opportunity to showcase my knowledge of the banking sector.

IBPS PO Interview Experience 5

My interview in Noida started with the panel asking about my graduation, specifically about the BMS (Bachelor of Management Studies) degree as they were curious to understand its relevance. Then, the discussion shifted to the difference between public and private sector banks, and I explained the important points such as ownership, decision-making processes, and government involvement.

Next, they asked about the difference between a public limited company and a public sector company, and I provided a clear difference based on ownership, shareholder structure, and regulatory control. They then asked me about payment banks, and I was asked to elaborate on their role in the banking industry, including their limitations and unique features.

Following that, they asked about NDTL (Net Demand and Time Liabilities), and I explained how this is an important metric for determining the amount of money a bank can lend. The interview also included the current vs. savings account question, where I explained which account would be more suitable depending on the customer’s needs. Finally, they asked me about balance sheets since I had chosen commerce in 12th grade, and I was expected to explain how balance sheets are structured and the importance of financial statements.

IBPS PO Interview Experience 6

My Interview was in Lucknow and it started with a simple introduction where I was asked about myself and my background. Then, the panel asked me questions based on my hometown, Firozabad, and specifically about ODOP (One District One Product), which is an initiative related to promoting local crafts. I had to explain the scheme, and they seemed interested in hearing about my region’s contribution.

Next, they asked me a question related to computer science, which I was unable to answer. I politely said that I did not know the answer, and the panel seemed understanding. They then inquired about which bank I held an account with, and I mentioned my bank.

The panel also asked about faceless banking, a modern approach that eliminates the need for physical presence in branches for most transactions. I explained how digital banking has made banking more convenient and efficient. They asked me about the problems I thought were present in a bank branch setting, and I shared that long waiting times and lack of accessibility for the elderly could be an issue.

The next question was about KYC (Know Your Customer) and CIBIL (Credit Information Bureau), where I briefly discussed the importance of these processes in ensuring secure financial transactions. One of the panelists asked me about the ruling party in Andhra Pradesh, which I initially could not recall. When I said I didn’t remember, they smiled and teased me, and I quickly apologized.

Despite the hiccups, the interview wrapped up on a positive note, and I was told that the interview was complete. The panel was friendly and made me feel comfortable throughout the process.