Interview Questions.

Latest Ibps Bank Po And Clerk question papers, test pattern and Placement papers


Latest Ibps Bank Po And Clerk question papers, test pattern and Placement papers

Q1. What Is Mutual Fund ? What Is Safest Type Of Fund ?

Mutual Fund is a pool of fund where buyers invests their cash for a commonplace goal.

Benefits of Mutual budget

Exempted under phase eighty(C)

Managed by means of professionals

Index finances are safest because money is invested in all index shares. The upward thrust or fall of cost align with index.

Q2. What Is Irda And What Are It's Functions?

Insurance Regulatory And Development Authority (IRDA) is the sole authority to adjust the insurance enterprise in India , to ensure the growth of coverage enterprise and shield the interest of policy holders.

Q3. What Are Derivatives ?

In Derivative marketplace the price of the gadgets sold and bought is based totally on cost of the underlying asset. The cost of the device is ‘derived’ from the price of the underlying asset and therefore it is referred to as Derivatives.

Q4. What Are Various Investments Under Section 80(c) Of Income Tax Act?

Fixed deposit (five years)


Equity mutual price range



NSCs (National Saving Certificate)


NPS (Pension pl)

Life insurance

Q5. What Is An Option In Derivative Market ?

An Option deliver right to Option Holder to shop for or promote a commodity for the duration of a sure time period or on a selected date.

Q6. Can You Shift To Another City ?

Yes, this job me plenty to me. I can flow anywhere.

Q7. What Is Call Option And Put Option ?

Call choice - An option which offers right to the Option Holder to shop for a sure inventory at certain time and targeted date

Put option - An option which gives proper to the Option Holder to promote a sure inventory at specific time and specific date

Q8. What Is Gdp ?

Gross Domestic Product is the sum of all the goods and services produced within physical borders of a rustic in within a specific period of time.

Q9. What Are Various Services Provided By A Commercial Bank ?


Safe custody of budget

Advancing lo

Fund trfers

Periodic payments

Underwriting of stocks

Dealing in forex

Discounting of lo


Q10. What Was The Purpose Of Setting Up Nabard?

NABARD is the apex group for the improvement of farm quarter , cottage industries and small scale industries in rural regions.

Q11. What Are Various Functions Of Rbi?

Government’s banker and performs banking features for the primary and the kingdom governments. 

Bankers of banks

Maintain liquidity inside the economic system

Regulator of us of a's financial machine

Regulates and enables overseas exchange guide to the Government of India

Issue foreign money notes

Q12. What Is Cp ?

Commercial paper is a quick time period unsecured debt instrument.

Q13. What Is Fiscal Policy?

Government sales era and spending policies that effect the macro economy.

Q14. What Is Gst?

Goods and Services Tax, choice on this tax is pending. GST goes to replace all indirect taxes.

Q15. What Is Gnp ?

GNP = GDP + Income of residents remote places -Income of Foreigners inside the borders of domestic economy

Q16. Bull And Bear Market.

When traders assume fees to upward push, it is referred to as Bull marketplace.

When traders count on prices to fall, it is known as Bear marketplace.

Q17. What Is Swift?

Financial messaging network which exchanges messages among banks and monetary institutions

Q18. What Is Crr?

Cash Reserve Ratio is  percentage of consumer's deposits with industrial banks that they want to deposit with RBI. Right now it is four%.

Q19. Why You Left Your Previous Job ?

I can see a better and rich profession in banking industry.

Q20. What Is Monetary Policy?

Policy by which a government tries to manipulate liquidity and interest aimed high increase charge and rate balance.

Q21. What Is Service Tax?

Tax levied on providing services in India, Rate is 12%  + zero.36% for Education Cess.

Q22. Minimum Lock-in Period For Tax Saving Fixed Deposit.?

Five years

Q23. Why Don't You Join Your Father's Business ?

He is not making tons cash so he ordered me to do a activity.

Q24. What Are Npas?

NPA stands for Non-Performing Assets.

Bank gives lo and advances to it is customers. These lo and advances are bank's property. When the clients do not pay off back the financial institution's cash they don't perform. Such assets are called Non-Permoerming Assets.

Q25. Why Are You Not Working Anywhere From Past 6 Months ?

As opposition in banking tests in fierce, I was preparing for bank tests and a process should distract me from my undertaking. I concentrated on financial institution tests arrangements simplest.

Q26. What Is Fiscal Deficit?

Excess of presidency expenditure over sales

Q27. What Is Rupay Card?

RuPay is India’s very own card charge machine launched by way of National Payments Corporation of India (NPCI)

Q28. What Is Ppf?

Public Provident Fund is a tax saving funding for people.

Features :-

Number of deposits according to year - 1 to 12

Minimum deposit - Rs 500

Interest received is tax free

Investment is exempted under segment eighty(c)

Q29. Why You Want To Enter In Banking Industry?

Because this industry is developing step by step and there would be no limit to my career growth. Further I want stability in my career.

Q30. What Is Slr?

Statutory Liquidity Ratio is the share of liabilities and time deposits that business banks need to keep with them in form of Cash, Gold or Government authorized securities. Right now SLR is 22%

Q31. What Is Demat Account ?

It is the process of changing the bodily percentage certificate into equivalent wide variety of digital holdings

Q32. What Is Bank Rate?

Rate at which RBI lends cash to industrial banks without any protection.

Q33. What Are Open Market Operations?

Buying and selling of presidency securities and bonds in open marketplace via Government to keep preferred liquidity stages.