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We struggled to be concise and exhaustive at the same time and after vacillating for hours came with the following result that we are going to present before you nowcolor box colorblueyou may want to visit top 5 common questions asked in interview about yourselfcolor boxhttp www. IBPS Interview Questions and Answers. For transcript for this audio, visit here. UPDATE Why did you choose so and so bank in your preference listcolor boxWhile you may have your own reasons for choosing your preference list, visiting this page may help you with your answer. For common Interview Preparation Tips for SBI IBPS, visit an in depth explanation on this page. SBI and IBPS PO Clerk Interview Questions and Answers pdflt p class5k. Why do you want to join banking sector Ans. Banking is one of the fastest growing sectors in India providing a wide range of career opportunities to graduates like me. And, Banking requires maintaining excellent rapport with the customers. Being a peoples person, I can very well relate to this aspect of Banking. I am also well versed with computer knowledge that is now a MUST in Banking like MS Excel, MS Word, etc. PS Dont say stuff like stable sector, high growth, or reputable job. You can get in trouble with cross questioning. Also, have some data ready as to why Banking is the fastest growing sector. Only say stuff that you can back with data What is a Bank Ans. A bank is a financial institution that accepts money from its customers for the purpose of lending. What is a Cheque Ans. A Cheque is a negotiable instrument instructing a bank to pay a specific amount from a specific account. In other words, A cheque is a bill of exchange drawn on a specified banker and payable on demand. A cheque can be dishonored for variety of reasons such as insufficient funds, signature mismatch, overwriting, cheque is 3 months old stale, etc. PS Cross Questions Whats a bearer cheque Whats an Account Payee Cheque What is a Demand Draft Ans. Demand Draft is a negotiable instrument that is used for effecting transfer of money. Since its a bankers check, it cant be dishonored. PS Cross Question What is the difference between Cheque and Demand DraftWhat is KYC Ans. KYC stands for Know Your Customer. As per KYC guidelines prescribed by RBI, some personal information of the customer is required while opening an account or renewal of old accounts. The objective is to enable positive identification of customers by their respective Banks and to prevent money laundering. The documents as mandated under KYC guidelines are Photograph. Proof of identity. This includes Aadhar, Pan Card, Driving license, Govt ID, or any other document acceptable to Branch Manager. Proof of address. This includes Ration Card, Electricity Bill, or any other document acceptable to Branch Manager. PS Cross Questions can be asked about money laundering. What is Money Laundering Ans. Money laundering means presenting an illegally obtained money as legitimate by creating a complex chain of sub processes. This convoluted chain makes it difficult to trace the source of the illegitimate money. What do you know about RBI Ans. The Reserve Bank of India is the central bank of India. On the recommendation of Young Hilton Committee, it was established on 1st April,1. Reserve Bank of India Act, 1. PS The Young Hilton Committee submitted its report in 1. RBI. 8. What are the functions of RBI Regulate the issuance and circulation of Bank Notes. Banker to the Government. Banker to Banks. Custodian to Foreign Reserve of the country. Lender of last resort. Controller of Credit. Serial Keys For Ubisoft Games Ps4. PS For an amazing Infographics on RBI, visit here. What is a Monetary policy Ans. Monetary policy is a type of macroeconomic policy by which central monetary authority RBI controls the interest rates, thereby effecting control over supply of money in the economy. The primary motive for this policy is to maintain price stability achieve high economic growth. Flash Dating Games For Pc Full Version'>Flash Dating Games For Pc Full Version. What is Fiscal Policy Ans. Fiscal policy is a type of macroeconomic policy by which our government makes a strategic change to its spending and tax rates to influence a nations economy. Just like Monetary Policy, Fiscal Policy is another tool by which countrys economic conditions can be controlled. What is a Repo Rate Ans. Repo Rate is the rate at which RBI lends money to commercial banks. Whenever any bank faces shortage of funds, it can borrow from RBI. Decreasing Repo Rate will help banks avail more money at a cheaper rate. Vice versa, Increasing Repo rate will make borrowing money from RBI more expensive. PS For more information on Repo Rate, visit here. What is Reverse Repo Rate Ans. Reverse Repo rate is the rate at which RBI borrows money from banks. RBI uses this tool to drain excess money circulating in the banking system. Banks have absolutely no qualms about lending money to RBI since their money is in safe hands not to mention a good interest, too. PS For more information on Reverse Repo Rate, visit here. What is LAF Ans. Liquidity adjustment facility LAF is a monetary policy tool which allows banks to borrow money, and adjust their daily liquidity mismatches, through repurchase agreements. LAF has two components a repo repurchase agreement and b reverse repo. When banks need liquidity to meet its daily requirement, they borrow from RBI through repo. The rate at which they borrow fund from RBI is called the Repo rate. When banks have excess liquidity, they park with RBI through the reverse repo. The rate at which they lend fund to RBI is called the Reverse Repo rate. What is CRR Rate Ans. Cash reserve Ratio CRR is the percentage of NDTL Net Demand and Time Liabilities that banks have to keep with RBI as cash. If RBI decides to increase the CRR percentage, the credit available to banks for lending comes down. Thus, RBI can increase CRR rate to drain out the excess money from the banks. PS For more information on CRR, visit here. What is Bank Rate Ans. Bank rate a. RBI charges loans and advances to commercial banks and other financial intermediaries. Bank rate is yet another tool at the disposal of the central bank RBI to effectively control the money supply. What is SLR RateAns. SLR Statutory Liquidity Ratio is the percentage of its NDTL Net Demand and Time Liabilities, a commercial bank has to maintain as liquid assets such as cash, gold or govt. Bonds before lending to its customers. SLR is a type of monetary Policy tool that RBI can use to effectively regulate the expansion of credit by the banks. PS For more information on SLR, visit here. What is PLR Ans. The Prime Interest Rate is the interest rate that a bank charges to its most financially sound or high credit worthy customers. This rate remains basically the same for most banks. PS From July 1, 2. Base Rate has replaced the Benchmark Prime Lending Rate. However, this applies to loans taken after July 1, 2. All existing loans at July 1, 2. BPLR. But if such old loans are renewed, theyll be linked to Base Rate.