Most Expected Questions, Expert Answers & Interview Tips

Clearing the IBPS PO written exam is a big achievement—but the final selection depends heavily on the IBPS PO Interview. Every year, thousands of candidates with good scores fail to convert because they are underprepared for the interview round.

The IBPS PO Interview is the final stage of the selection process and carries 100 marks. It tests not only your knowledge but also your:

• Communication skills
• Confidence and body language
• Banking & financial awareness
• Decision-making ability
• Personality and attitude

👉 Final merit is prepared by combining Mains score + Interview score.

• Interview Marks: 100
• Minimum Qualifying Marks:
• • General: 40%
  • SC/ST/OBC/PwBD: 35%
• Interview Duration: 15–25 minutes
• Panel: 4–5 members

IBPS PO interview questions are broadly divided into five categories:

1. Personal & Introduction Questions
2. Educational Background Questions
3. Banking & Financial Awareness
4. Current Affairs & Economy
5. Situational & HR Questions

Let’s explore each category with expected questions and sample answers.

Q1. Tell us about yourself.

Sample Answer:
“I am a graduate in Commerce and have been preparing for banking exams for the last year. I am particularly interested in banking because it allows me to work closely with people while contributing to financial inclusion and economic growth. I believe my analytical skills and customer-oriented mindset make me suitable for the role of Probationary Officer.”

👉 Tip: Keep it short (30–40 seconds), professional, and confident.

Q2. Why do you want to join the banking sector?

Sample Answer:
“The banking sector offers stability, growth opportunities, and a chance to serve society. As a Probationary Officer, I will be able to combine my interest in finance with public service, especially in areas like digital banking and financial literacy.”

Q3. How is your graduation subject relevant to banking?

Sample Answer:
“My graduation subject helped me develop analytical thinking, numerical ability, and problem-solving skills, which are essential in banking operations like credit appraisal, risk analysis, and customer handling.”

Q4. Why did you score low/high in a particular semester?

👉 Be honest, calm, and positive. Avoid excuses; focus on learning and improvement.

Q5. What is a bank?

Answer:
“A bank is a financial institution that accepts deposits, lends money, facilitates payments, and supports economic development.”

Q6. What are the main functions of RBI?

Answer:

• Issue of currency
• Regulator of banks
• Controller of monetary policy
• Custodian of foreign exchange reserves
• Banker to the government

Q7. What is CRR and SLR?

Answer:

• CRR (Cash Reserve Ratio): Percentage of deposits banks keep with RBI
• SLR (Statutory Liquidity Ratio): Percentage of deposits kept in liquid assets

Q8. What is inflation?

Answer:
“Inflation is the general increase in prices of goods and services over time, leading to a decrease in purchasing power.”

Q9. What do you know about recent banking reforms?

👉 Answer based on:

• Digital banking
• Financial inclusion
• UPI, DBT, Jan Dhan Yojana
• RBI guidelines

Q10. What are your strengths and weaknesses?

Sample Answer:
“My strength is adaptability and calm decision-making. My weakness is that I initially take time to trust others, but I am actively working on improving it.”

Q11. How will you handle an angry customer?

Sample Answer:
“I will first listen patiently, understand the issue, reassure the customer, and then provide the best possible solution within bank rules.”

Q12. Are you ready for transfers and rural postings?

Sample Answer:
“Yes, I am fully prepared. I see rural posting as an opportunity to learn grassroots banking and contribute to financial inclusion.”

• What is NPA?
• Difference between NEFT, RTGS, and IMPS
• What is financial inclusion?
• What are Basel norms?
• What do you know about our bank?
• What will you do if your senior is wrong?

Key Preparation Tips

• Revise basic banking terms daily
• Read newspapers & monthly current affairs
• Practice mock interviews
• Improve communication skills
• Maintain positive body language

• Overconfidence or nervousness
• Giving memorized answers
• Lack of banking awareness
• Negative body language
• Arguing with panel members

• Dress formally and neatly
• Carry all documents properly
• Be polite, calm, and honest
• Think before answering
• Smile and maintain eye contact

The IBPS PO Interview 2026 is not about testing extraordinary knowledge but about assessing whether you are fit to be a responsible bank officer. With the right preparation, awareness, and confidence, you can easily convert your IBPS PO interview into a final selection.

Use this complete IBPS PO interview questions and answers guide as your reference, revise regularly, and walk into the interview room with confidence