IBPS PO Interview Questions 2025: The IBPS PO Interview is the final and most crucial stage for candidates who qualify the Prelims and Mains exams. This round evaluates their communication skills, banking awareness, and overall suitability for the Probationary Officer (PO) role in participating banks. To enhance their preparation, candidates can access a free interview preparation e-book provided in this article.
IBPS PO Interview 2025
Once a candidate clears the Mains exam and meets the cut-off, they are invited for the interview. The objective of the interview is to evaluate candidates’ potential to handle the responsibilities associated with the PO position. While candidates may have strong academic qualifications, the interview focuses on assessing their qualities required for success in the banking sector.
What do Interviewers Look For?
Interview panels evaluate candidates on:
- Motivation for joining banking sector
- Conceptual clarity (Banking, current affairs, basic finance)
- Presence of mind and confidence
- Communication skills and clarity
- Honesty- no guessing when unsure
- Personality, discipline, work ethics
Expected IBPS PO Interview Questions and Answers
If you are preparing for the IBPS PO Interview 2025 and looking for some sample questions then this article is for you. Below we have shared some sample questions.
What questions from Personal & Behavioral are asked in the IBPS PO Interview?
The personal & behavioral questions assess your personality, communication skills, and suitability for the banking role,the following questions are asked:
- Tell us about yourself.
- Why do you want to join the banking sector?
- Why do you want to join a Public Sector Bank?
- What motivates you to choose banking as a career?
- How is your degree relevant to banking?
- Why banking after engineering/your current field?
- How is banking better than your present job?
- What are your strengths and weaknesses?
- How do you manage stress and pressure?
- Describe a challenging situation you faced and how you handled it.
- Where do you see yourself in five years?
- What are your hobbies and interests?
- Share an experience where you worked effectively in a team.
- What keeps you motivated in your work?
- How can you prove yourself as a valuable asset to the bank?
- Will you leave if you get a better job opportunity?
- What qualities should a bank officer possess?
- Do you think you have those qualities?
- Questions related to your state or hometown.
What questions from banking & financial awareness are asked in the IBPS PO interview?
The Banking & Financial Awareness test assesses your understanding of core banking concepts and functions. Some of the questions asked are
- What are the primary functions of the Reserve Bank of India?
- What are CRR, SLR, repo rate, reverse repo rate, and bank rate?
- What are Non-Performing Assets (NPAs)?
- Why does RBI change repo rates?
- What is financial inclusion, and why is it important?
- What are scheduled and non-scheduled banks?
- What are commercial papers?
- What are the different types of bank accounts?
- What is the difference between FD and RD?
- What are the reasons for rising inflation in India?
- What do you understand about the share market?
- What is fintech?
- What is e-commerce?
- Is a bank merger a good option?
- How does a bank generate revenue?
- Difference between CRR and SLR.
- What is NABARD?
- What are NPAs and how do they impact banks?
- What are the types of bank deposits?
- Explain Priority Sector Lending (PSL).
- What are the objectives of PMJDY?
What questions from Current Affairs & Economic Updates are asked in the IBPS PO interview?
The current affairs and economic updates test your awareness of national and global economic developments. Some of the questions are:
- What is India’s current GDP growth rate, and how does it impact banking?
- Who is the current Finance Minister, and what recent policies have influenced banking?
- Can you discuss recent banking reforms introduced by the government?
- How has the Digital India initiative changed banking services?
- What are some recent Bank Mergers in India, and what was their impact?
- How has GST influenced banking and financial services?
- What is the current repo rate and reverse repo rate set by the RBI?
- How did the COVID-19 pandemic impact the banking sector?
- What is cryptocurrency, and what is its role in the financial market?
- Name ASEAN countries.
- Discuss major international current events.
What questions from Banking Operations & Instruments are asked in the IBPS PO Interview?
Banking Operations & Instruments covers daily banking procedures and customer operational scenarios. Questions asked are
- What types of banks operate in India?
- Different types of deposit accounts.
- Why do interest rates differ among deposit accounts?
- What happens to inactive accounts?
- What are NRI banking options?
- What is an overdraft facility?
- What is a negotiable instrument?
- What is a cheque?
- What is a crossed cheque?
- What happens if written and numeric amounts differ on a cheque?
- What is a demand draft?
- What is the bank’s responsibility while issuing a DD?
- How does an ATM work?
- What is MICR?
- What is CTS?
- Eligibility for minor accounts.
- Can banks discount bills?
What questions from RBI are in the IBPS PO Interview?
Questions based on the history, structure, and regulatory functions of RBI are generally asked in the interview:
- When was RBI established?
- What was RBI’s initial status?
- When was RBI nationalized?
- Which commission recommended RBI’s formation?
- Where was RBI’s central office originally located?
- Who was the first governor of RBI?
- Who was the first Indian governor of RBI?
- How is RBI structured regionally?
- Under which act does RBI operate?
- What are the responsibilities of RBI?
- What happens when RBI increases/decreases the repo rate?
- What is the difference between repo and reverse repo rates?
- What is Open Market Operation (OMO)?
- What is the Minimum Reserve System (MRS)?
What questions from Technical & Banking Operations are asked in the IBPS PO interview?
Questions that are asked from the Technical & Banking Operations are:
- What is a balance sheet, and why is it important for banks?
- Explain the Capital Adequacy Ratio (CAR) and its significance.
- What are the different types of loans offered by banks?
- How do credit cards differ from debit cards in terms of functionality?
- What is Basel III, and why is it crucial for banking stability?
- Why is the Know Your Customer (KYC) process essential in banking?
- What is microfinance, and how does it support financial inclusion?
- What are the key responsibilities of a probationary officer in a bank?
- How does the cheque clearing system function in India?
- What are the various electronic fund transfer mechanisms used in Indian banks?
What questions from Economic & Financial Concepts are asked in the IBPS PO Interview?
The Economic & Financial Concept evaluates your understanding of macroeconomic mechanisms. Questions asked are
- What is Gross Domestic Product (GDP), and how is it calculated?
- Can you explain the concept of inflation and its impact on the economy?
- What is the difference between fiscal policy and monetary policy?
- How do demand and supply influence market prices?
- What are mutual funds, and how do they operate?
- What is the difference between savings and investments?
- How does the stock market contribute to economic growth?
- What is Forex, and why is it significant in global trade?
- What is the balance of payments, and why is it important?
What questions from Situational & Problem-Solving Scenarios are asked in the IBPS PO Interview?
Situational & Problem-Solving Scenarios are used to judge your behavior, decision-making, and customer handling.
- Share an experience where you successfully handled a difficult customer.
- If you suspect fraudulent activity in a customer’s account, what steps would you take?
- Tell us about a time when you exceeded a customer’s expectations.
- How do you prioritize tasks when facing multiple deadlines?
- If you disagree with your manager’s decision, how would you handle it?
- Describe an instance where you had to make a quick but important decision.
- What would you do if a team member was not contributing effectively?
- How do you ensure accuracy and attention to detail in your work?
- If a customer is dissatisfied with your service, how would you resolve the issue?
What questions are asked of engineering graduates?
Frequently asked to candidates from engineering backgrounds.
- Why did you choose banking as a career after completing engineering?
- How does your engineering background help you in banking?
- Can you relate the problem-solving skills from engineering to banking tasks?
- How will your analytical skills contribute to banking operations?
- How do you see technology shaping the future of banking?
- What is the role of artificial intelligence and automation in modern banking?
What questions from Priority Sector Lending (PSL) are asked in the IBPS PO Interview?
Expected questions from the Priority Sector Lending (PSL) are:
- Why was PSL introduced?
- What % of ANBC must banks allocate to PSL?
- What is Adjusted Net Bank Credit?
- What is the agriculture target under PSL?
- Who are small and marginal farmers?
- What are PSL Certificates (PSLC)?
- What is the new MSME definition?
- PSL limit for housing loans?
- PSL limit for renewable energy?
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