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IBPS Clerk III - Interview Capsule

Bank Interview shall be conducted for 100 or 50 marks and the minimum marks to qualify for final selection shall be 40 50%. But
to compete with others, securing the maximum score is important, which can be achieved by proper preparations.

What to prepare for Interview? Although, predicting exact questions is not possible, there are certain topics and areas that are sure
to be touched by panelists during an interview.

Bank interviews are basically based on six areas.

1. Your C.V.
2. Banking Knowledge
3. GK (Current Affairs) and Computer Knowledge (Basics)
4. Current Recruitment (if any).
5. Why Banking Sector?
6. Why Govt. Job?

1. Your C.V. : For any interview preparation, a candidate should
prepare a detailed bio data of yourself i.e. your qualifications, your
place of birth, places where you have studied, your hobbies, extra
activities, achievements, your aspirations, a little bit about your
family etc.

2. Banking Knowledge: If you are going for bank interviews basic
banking knowledge is necessary. The following basic banking terms
will help the candidate.

3. Current Affairs: Be thorough with current affairs from past three
months. Recent awards, Major issues, Sports related questions, State
Governors and Chief ministers, Countries, Capitals, Currencies etc..,.

Computer Knowledge: Be thorough with basic computer
terminology. Example: What is DOS, What is WWW, What is LAN,
etc. If you have any certificate, it will be an added advantage to the
candidate.

4. Current Recruitment (if any): If you are employed anywhere, you
must be asked about that organization.

5. Why Banking Sector? This question is very important and has
been asked in interview boards regularly. By this question simply
they want to know, why you want to join banking sector.

If you are going for Bank Clerk interview with MBA/MCA/ M.SC/
MTech degrees? If yes, either of the following questions could be
heading in your way:
1. Why you want to join as a Clerk with technical degree?
2. Arent you overqualified for Clerk post?

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6. Why Govt. Job? When you are going for any govt. job interview, you have to very clear in your mind that why you want to join
govt. sector.

How to answer point No. 5 & 6

Why Banking Sector?
i. Banking sector is a sunrise or booming sector of Indian economy.
ii. It is one of the fastest growing sector as banks are expanding their reach across the geography.
iii. As role of Clerk is a multi-dimensional role, it offers unparalleled opportunities for learning and growth. It gives us a glimpse
of opportunities in a PSU Bank.
iv. Moreover, Banking is a much respected profession in India and we get a social status and respect as a Banker.

1. Why you want to join as a Clerk with technical degree?
i. Make sure your looks realistic and at the same time coveys your
willingness to join bank sector.
ii. If questioned about your degree (MBA/MCA/ M.SC/ MTech)
mention about the uncertain future of private sector, compared to
high growth witnessed in banking sector.

2. Arent you overqualified for clerk post?
Let them know that how your degree can help in banking sector and also relate your answer with future growth.




Why Government job?
i. A government job provides job security and commands much more respect in society than a private job.
ii. By any chance, if some of your relates, parents etc are associated with a government job or bank; you should cite the example
of such cases and mention that you have seen these people and they have been your inspiration.

Note: Never answer in a openly manner I did not get any other job, or I need job at any cost, There is a lot of pressure in private
sector. You would be countered with more questions.


Interview Questions for Banking
1. RBI Current Policy & Reserve Rates:
Repo Rate 7.75%
Reverse Repo 6.75%
CRR 4%
SLR 23%
MSF 8.75%
Bank Rate 8.75%

2. What is Bank?
Ans. Bank is financial institution which accepts deposits from the public for the purpose of lending.

3. Types of banks?
Ans. Nationalized banks, Private Banks, Foreign banks, Regional rural banks, Co-operative banks, Industrial banks etc..,

4. What is a nationalized bank?
Ans: Banks which are owned and run by government of India are called as nationalized banks.
Example: Canara bank, syndicate bank, Vijaya bank, etc..,

There are total 21 nationalized banks at present.
Bhartiya Mahila Bank is a new nationalized bank which starts operation in November.

Private bank: Banks which are owned and run by individuals are called private banks.
Example: karnataka bank, karurvysya bank, lakshmivilas bank etc..,

Foreign banks: Banks which are foreign originated [based] are called foreign banks
Example: Citi bank, HSBC bank.
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5. What is RBI [Reserve Bank of India], when it is established and what are its functions?
Ans: RBI established in 1935 and Nationalized in 1949 and its head office in Mumbai.
Present Governor of RBI Raghuram Rajan.
Its functions:
1. Issues currency notes
2. Acts as bankers bank
3. Maintains foreign exchange reserves
4. Maintains CRR and SLR

Note: RBI is also called as "bankers bank", because all banks will have a/c's with RBI. It provides funds to all banks hence it is
called as BANKERS BANK.

6. What are the Open Market Operations (OMOs)?
Ans: OMOs are the market operations conducted by the Reserve Bank of India by way of sale/ purchase of Government securities
to/ from the market with an objective to adjust the rupee liquidity conditions in the market on a durable basis.

For Ex: When the RBI feels there is excess liquidity in the market, it resorts to sale of securities thereby sucking out the rupee
liquidity. Similarly, when the liquidity conditions are tight, the RBI will buy securities from the market, thereby releasing
liquidity into the market.


7. Types of accounts in banks?
Ans. Savings bank account [SB a/c]: The main purpose of SB a/c is
to encourage small savings from the public. Interest paid on SB a/c
is 4 percent.
Any individual can open SB a/c. An Indian residing at abroad can
open a NRI a/c. NRI represents non-resident Indians.

Current account: Its a running and active account. No interest is
paid on current a/c.
Current accounts can be opened on firm names. Even individuals
can also open current a/cs. But on firm names you cannot open SB
a/c.

Fixed Deposit account: Amount is kept for a fixed period. Higher
rate of interest will be paid on this a/c.

Recurring deposit [RD a/c]: A fixed amount can be deposited in
monthly installments. Interest rate is same as fixed deposits.

8. What is Unclaimed Deposit Account?
Ans: Those saving or current accounts which have not been
operated upon for 10 years or more, as at the end of each calendar
year.

9. What is Inoperative /Dormant Account?
Ans: A savings as well as current account should be treated as
inoperative / dormant if there are no transactions in the account for
over a period of two years.

10. What is BSBDA Account (BASIC SAVING BANK DEPOSIT): Under
the guidelines issued on August 10, 2012 by RBI: Any individual,
including poor or those from weaker section of the society, can open zero balance account in any bank. BSBDA guidelines are
applicable to "all scheduled commercial banks in India, including foreign banks having branches in India".
All the accounts opened earlier as 'no-frills' account should be renamed as BSBDA. Banks are required to convert the existing
'no-frills' accounts into 'Basic Savings Bank Deposit Accounts'.
The 'Basic Savings Bank Deposit Account' should be considered as a normal banking service available to all customers, through
branches .
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The aim of introducing 'Basic Savings Bank Deposit Account' is very much part of the efforts of RBI for furthering Financial
Inclusion objectives.

11. What is Cheque?
Ans. Cheque is a negotiable instrument containing conditional order to pay sum of money to the person mentioned on it or to
the bearer of the instrument.
Crossing on Cheque: Two parallel lines drawn on the top left corner of the cheque.

Account payee cheque: Account payee cheques can be routed only through accounts.

Post dated cheque: The date on the cheque beyond todays date then cheque becomes post dated.

Stale cheque: Cheque is valid for 3 months. If the date on the cheque is before 3 months, then the cheque becomes stale cheque.

Mutilated cheque: It is a damaged cheque.

At Par cheque: It is payable anywhere in India.
Multi city cheque: A cheque which is payable in any branch of a particular bank.

12. What is Demand Draft: A demand draft is an instrument used for effecting transfer of money. It is a negotiable instrument.

Difference b/w a Cheque and a demand draft:
i. A cheque is issued by an individual whereas a demand draft is
issued by a bank.
ii. A cheque is drawn by an account holder of a bank, whereas a
draft is drawn by one branch of a bank on another branch of the
same bank.
iii. In a cheque, the drawer and the drawee are different persons.
But in a draft both the drawer and the drawee are the same bank.
iv. A cheque is defined in the Negotiable Instrument Act, 1881, whereas a demand draft has not be precisely defined in the NI
Act.
v. A Cheque can be dishonored for want of sufficient balance in the account. Whereas a draft cannot be dishonoured.Hence there
is certainty of the payment in the case of a demand draft.
vi. Payment of a cheque can be stopped by the drawer of the cheque, whereas, the payment of a draft cannot be stopped.
vii. A cheque can be made payable either to a bearer or order. But a demand draft is always payable to order of a certain person.

13. What is Cheque Truncation?
i. Truncation is the process of stopping the flow of the physical cheque issued by a drawer at some point with the presenting
bank en-route to the drawee bank branch.
ii. In its place an electronic image of the cheque is transmitted to the drawee branch by the clearing house, along with relevant
information like data on the MICR band, date of presentation, presenting bank, etc.
iii. Cheque Truncation speeds up the process of collection of cheques resulting in better service to customers, reduces the scope
for clearing-related frauds or loss of instruments in transit, lowers the cost of collection of cheques, and removes reconciliation-
related and logistics-related problems, thus benefitting the system as a whole.

14. What is Repo rate?
Ans. The rate at which RBI lends money to commercial banks is known as Repo Rate.

Repo Rate at present: 7.75%

Reverse Repo rate: Reverse repo rate is the rate at which the central bank of a country (Reserve Bank of India in case of India)
borrows money from commercial banks within the country. It is a monetary policy instrument which can be used to control the
money supply in the country.

Reverse Repo rate: 6.75%

15. What is CRR and SLR?
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Ans. CRR: Cash Reserve Ratio It is the ratio of physical cash that every bank has to keep with RBI.
Current CRR 4%

SLR: Statutory Liquidity Ratio It is the ratio of liquid assets that every bank has to keep with RBI.

Current SLR 23%

Need of SLR: With the SLR, the RBI can ensure the solvency of a commercial banks. It is also helpful to control the expansion of
the Bank credits. By changing SLR rates, RBI can increase or decrease bank credit expansion. Also through SLR, RBI compels the
commercial banks to invest in the government securities like govt. bonds.

Main use of SLR: SLR is used to control inflation and propel growth. Through SLR rate the money supply in the system can be
controlled effectively.

16. What is Marginal Standing Facility (MSF): MSF rate is the rate at which banks borrow funds overnight from the Reserve Bank
of India (RBI) against approved government securities.
ii. This came into effect in may 2011. Under the Marginal Standing Facility (MSF), currently banks avail funds from the RBI on
overnight basis against their excess statutory liquidity ratio (SLR) holdings.
iii. Additionally, they can also avail funds on overnight basis below the stipulated SLR up to 1 per cent of their respective Net
Demand and Time Liabilities (NDTL) outstanding at the end of second preceding fortnight.

Why (MSF) is it required: Banks borrow money from RBI at MSF rate when there is an acute cash shortage or acute asset-
liability mismatch. This does not carry any stigma. Size of MSF: Minimum amount of Rs. One crore and in multiples of Rs. One
crore thereafter.

17. About KYC norms?
Ans: The full form of KYC is Know Your Customer KYC guidelines
was introduced by RBI for all banks in the year 2002
The components of KYC Identity proof , address proof ,
photographs
The objective of KYC guidelines is to prevent banks from criminal
money laundering activities
KYC day is celebrated on First working day of august every year


18. About BASE RATE The minimum interest rate of a bank below which it cannot lend to public
The BPLR (Benchmark prime lending rate)was introduced in the year 2003 The BPLR was converted into base rate on july
2010
RBI made mandatory for all banks to introduced w.e.f. 1July 2010, The minimum base rate is fixed by RBI

19. What is CBS (Core Banking Solutions): Core Banking Solutions is the process, where branches of the bank are connected to a
central host and the customers of connected branches can do banking at any breach with core banking facility.

Advantages for both to the customers & the banks:

Customer: i. Transactions of business from any branch.
ii. Lower incidence of errors.
iii. Better funds management due to immediate availability of funds.

Banks: i. Better customer service.
ii. Availability of accurate data.
iii. Increased business volume with better asset liability management and risk management.

20. What is Inflation?
Ans. It is a state where money looses the value hence prices will go up (or) Decreasing the value of money.

21. What is Deflation?
Ans. It is opposite to inflation. Money will have more value. Here the products looses the value.

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22. What is Credit card?
Ans. Credit card is a plastic instrument that can be used for the purchase of goods and services. You can buy the services and
then pay the cash to the bank. Limits will be fixed based on the net worth of the customer.
Leading credit cards: VISA, MASTER.

23. What is NEFT & RTGS?

NEFT (National Electronic Fund Transfer): NEFT enables funds transfer from one bank to another but works a bit differently
than RTGS. NEFT is slower than RTGS. The transfer is not direct and RBI acts as the service provider to transfer the money from
one account to another. You can transfer any amount through NEFT, even a rupee.
There is no Minimum & Maximum Limit in NEFT.

Need of NEFT: We can use this facility if we want to transfer funds online in a day or two. NEFT can make life easier for those
who need to send money to their parents or children living in another city. It cuts the trouble of issuing a cheque or draft and
posting it. It can also be done through internet banking.

RTGS (Real time gross settlement ): RTGS system is funds transfer systems where transfer of money or securities

takes place
from one bank to another on a "real time" and on "gross" basis.

Minimum & Maximum Limit of RTGS: 2 lakh and no upper limit.

In an RTGS system, transactions are settled across accounts held at a Central Bank on a continuous gross basis. Settlement is
immediate, final and irrevocable (which cannot be changed or reversed).

24. What is NPA?
Ans. NPA: Non Performing Asset: When a loan becomes bad then
it becomes NPA.

25. What is online banking?
Ans. Nothing but any where banking. A customer can operate his
account from any branch of a particular bank.

26. What is a currency chest?
i. To facilitate the distribution of banknotes and rupee coins, the
Reserve Bank has authorised select branches of scheduled banks
to establish Currency Chests.
ii. These are actually storehouses where banknotes and rupee
coins are stocked on behalf of the Reserve Bank. As on June 30,
2006, there were 4428 Currency Chests and 4102 Small Coin
Depots.
iii. The currency chest branches are expected to distribute
banknotes and rupee coins to other bank branches in their area
of operation.

27. What is Online or Internet Banking?
Ans: The accessing of bank information, accounts and
transactions with the help of a computer through the financial
institution's website on the Internet is called online banking. It is
also called Internet banking or e-banking

28. What are soiled, mutilated and imperfect banknotes?
(i) "soiled note:" means a note which, has become dirty due to
usage and also includes a two piece note pasted together wherein both the pieces presented belong to the same note, and form
the entire note.
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(ii) Mutilated banknote is a banknote, of which a portion is missing or which is composed of more than two pieces.
(iii) Imperfect banknote means any banknote, which is wholly or partially, obliterated, shrunk, washed, altered or
indecipherable but does not include a mutilated banknote.

29. What are the various types of financial markets?
The financial markets can broadly be divided into money and capital market.

A. Money Market: The money market provides investment avenues of short term tenor. Money market transactions are
generally used for funding the transactions in other markets including Government securities market and meeting short term
liquidity mismatches.

By definition, money market is for a maximum tenor of up to one year. Within the one year, depending upon the tenors, money
market is classified into:

i. Overnight market or Call money - The tenor of transactions is one working day.
ii. Notice money market The tenor of the transactions is from 2 days to 14 days.
Iii. Term money market The tenor of the transactions is from 15 days to one year.

B. Capital Market: Capital market is a market for long-term debt and equity shares.
In this market, the capital funds comprising of both equity and debt are issued and traded. This also includes private placement
sources of debt and equity as well as organized markets like stock exchanges.

30. Commercial Paper (CP)?
Ans: Commercial Paper (CP) is an unsecured money market instrument issued in the form of a promissory note.

Corporate, primary dealers (PDs) and the all-India financial institutions (FIs) that have been permitted to raise short-term
resources under the umbrella limit fixed by the Reserve Bank of India are eligible to issue CP.

Period: CP can be issued for maturities between a minimum of 7 days and a maximum up to one year from the date of issue.

31. Certificate of Deposit (CD)
Ans: Certificate of Deposit (CD) is a negotiable money
market instrument and issued in dematerialized form or as a Usance
Promissory Note, for funds deposited at a bank or other eligible
financial institution for a specified time period.

Period: Banks can issue CDs for maturities from 7 days to one a
year whereas eligible FIs can issue for maturities 1 year to 3 years.

32. What is EMV based card payments?
Ans: EMV stands for Europay, MasterCard and Visa, a global standard for inter-operation of integrated circuit cards (IC cards or
"chip cards") and IC card capable point of sale (POS) terminals and automated teller machines (ATMs), for authenticating credit
and debit card transactions.

It is a joint effort initially conceived between Europay, MasterCard and Visa to ensure the security and global interoperability of
chip-based payment cards

33. What is Bhartiya Mahila Bank (BMB) is an Indian financial services banking company based in New Delhi, India.India's Prime
Minister Manmohan Singh inaugurated the system on 19 November 2013 on the occasion of the 94th birth anniversary of former
Indian Prime Minister Indira Gandhi.
Headquarter New Delhi. Bank will get an initial capital of Rs 1,000 crore.
Usha Ananthasubramanian The First CEO/Chairperson of Bhartiya Mahila Bank

34. Financial inclusion: Financial inclusion means providing sound and affordable financial services to the "unbanked, those who
do not have access to the formal financial system.
Financial inclusion is more than an economic issue - it is a legal and regulatory reform process.

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35. What is Bancassurance: The sale of insurance and other similar products through a bank. This can help the consumer in some
situations; for example, when a bank requires life insurance for those receiving a mortgage loan the consumer
could purchase the insurance directly from the bank.

36. What is IFSC (Indian Financial System Code)?
i. Indian Financial System Code is an alpha-numeric code that uniquely identifies a bank-branch participating in the NEFT
system.
ii. This is an 11 digit code with the first 4 alpha characters representing the bank, The 5th character is 0 (zero).and the last 6
characters representing the bank branch.
iii. IFSC is used by the NEFT system to identify the originating / destination banks / branches and also to route the messages
appropriately to the concerned banks / branches.

37. What is MICR : stands for Magnetic Ink Character Recognition. MICR Code is a numeric code which uniquely identifies a bank
branch participating in the ECS Credit scheme. MICR code consists of 9 digits e.g 400229128
i. First 3 digits represent the city (400)
ii. Next 3 digits represent the bank (229)
iii. Last 3 digits represent the branch (128)
The MICR Code allotted to a bank branch is printed on the MICR band of cheque leaves issued by bank branches.

38. What is Balance of Trade: The value of a countrys exports minus the value of its imports. Unless specified as the balance of
merchandise trade, it normally incorporates trade in services, including earnings (interest, dividends, etc.) on financial assets.
Balanced Trade: When a balance of trade equal to zero. (exports imports = 0)

39. What is Balance of Payments: A list of all of a countrys international transactions for a given time period, usually one year.
Payments into the country (receipts) are entered as positive numbers, called credits; Payments out of the country (payments)
are entered as negative numbers called debits. A single numbers summarize all of a countrys international transactions: the
balance of payments surplus.

40. What is Balance Sheet: A financial statement that summarizes a
company's assets, liabilities and shareholders' equity at a specific
point in time. These three balance sheet segments give investors an
idea as to what the company owns and owes, as well as the amount
invested by the shareholders.
The balance sheet must allow the following formula:
Assets = Liabilities + Shareholders' Equity

41. What is Fiscal Deficit: A deficit in the government budget of a
country and represents the excess of expenditure over income. So
this is the amount of borrowed funds require by the government to
meet its expenditures completely.

42. What is Direct & Indirect Tax: A direct tax is that which is paid
directly by someone to taxing authority. Income tax and property
tax are an examples of direct tax. They are not shifted to somebody
else.

Indirect Tax: This type of tax is not paid by someone to the
authorities and it is actually passed on to the other in the form of
increased cost. They are levied on goods and services produced or
purchased. Excise Tax, Sales Tax, Vat, Entertainment tax are indirect
taxes.

43. What is NOSTRO & VOSTRO Account: A Nostro account is
maintained by an Indian Bank in the foreign countries.

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VOSTRO Account: A Vostro account is maintained by a foreign bank in India with their corresponding bank.

44. SDR (Special Drawing Rights): SDR are new form of International reserve assets, created by the International Monetary Fund
in 1967. The value of SDR is based on the portfolio of widely used countries and they are maintained as accounting entries and
not as hard currency or physical assets like Gold.

45. What is CRAR(Capital to Risk Weighted Assets Ratio): Capital to risk weighted assets ratio is arrived at by dividing the capital
of the bank with aggregated risk weighted assets for credit risk, market risk and operational risk.

46. What is Government Bonds?
Ans: A government bond, which is also known as a government security, is basically any security that is held with the
government and has the highest possible rate of interest.

47. What is FDI & FII?
FDI: Foreign direct investment (FDI) is a direct investment into production or business in a country by an individual or
company of another country, either by buying a company in the target country or by expanding operations of an existing
business in that country. Foreign direct investment is in contrast to portfolio investment which is a passive investment in the
securities of another country such as stocks and bonds.

FII: Foreign institutional investors (FIIs) are those institutional investors which invest in the assets belonging to a different
country other than that where these organizations are based.

Note: Foreign institutional investors play a very important role in any economy. These are the big companies such as
investment banks, mutual funds etc, who invest considerable amount of money in the Indian markets. With the buying of
securities by these big players, markets trend to move upward and vice-versa. They exert strong influence on the total inflows
coming into the economy.

Difference b/w FDI & FII:
1. FDI or Foreign Direct Investment is an investment that a parent company makes in a foreign country. On the contrary, FII or
Foreign Institutional Investor is an investment made by an investor in the markets of a foreign nation.
2. In FII, the companies only need to get registered in the stock exchange to make investments. But FDI is quite different from it
as they invest in a foreign nation.
3. FDI is more preferred to the FII as they are considered to be the most beneficial kind of foreign investment for the
whole economy.
4. The Foreign Institutional Investor is also known as hot money as the investors have the liberty to sell it and take it back. But in
Foreign Direct Investment, this is not possible. In simple words, FII
can enter the stock market easily and also withdraw from it easily.
But FDI cannot enter and exit that easily. This difference is what
makes nations to choose FDIs more than then FIIs.
5. While the FDI flows into the primary market, the FII flows into
secondary market. While FIIs are short-term investments, the FDIs
are long term.

48. Aware about RBI recent move to withdraw all currency notes issued before 2005?
The Reserve Bank of India decided to withdraw all currency notes issued prior to 2005, including Rs 500 and Rs
1,000 denominations, after March 31 in a move apparently aimed at curbing black money and fake currencies.

How can you distinguish such type of notes?

The public can easily distinguish the currency notes issued before 2005 as they do not have the year of printing on reverse
side. The year of printing in a small font is visible at the middle of the bottom row in notes issued after 2005.

Summary:
Aimed at curbing black money and fake currencies.
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Banks will accept pre-2005 notes for exchange from April 2014.
From 1 July 14 banks will demand identity and residence proof to exchange more than 10 notes.
Notes will be acceptable until further instructions from the RBI
Most fake currencies are based on pre-2005 design.
Post-2005 notes have additional security features.
Banks will get only 25% of the value from RBI for turning in Fakes.
Banks will have to report transaction of over Rs 10 lakh to authorities.
Total value of currency in circulation Rs 11,68,800 crore.
Value of pre-2005 notes could be in tens of thousands of crores.

49. What Are Bitcoins?
Ans: The Bitcoin is a form of currency without notes and coins, it is a digital currency.
In this era of Internet and digitization, weve moved from phone to VoIP calls, face-to-face meeting to video conferencing, fax to email, cable television to IP
TV, and the list goes on.
The concept of Bitcoins was developed by Satoshi Nakamoto and belongs to Japan.
The worlds first insured bitcoin storage service has launched in the UK (London).

50. What is Basel Norms ?
Bureau of International Settlement (BIS) headquarters at Basel, Switzerland has appointed a committee to supervise and to set
some standards for International Banks. This committee is known as Basel Committee on Bank Supervision (BCBS). The rules
and regulations for Banks issued by this committee were called Basel Norms / Accords. There are three Basel Norms, namely
Basel I, II and III.

Basel I Accord : This was issued in 1988. This accord focused on the capital adequacy of financial institutions. Banks that
operate internationally are required to have a risk weight of 8% or less. India adopted Basel I Norms in the year 1999.

Basel II Acord : This is the second of the Basel Accords, published in the year 2004. This consists of the recommendations on
Banking Laws and Regulations issued by BCBS.

Basel III Accord : Basel III guidelines were released in the year 2010. This is to enhance the banking regulatory framework. It
builds on the Basel I and Basel II documents and seeks to improve the banking sector's ability to deal with financial and
economic stress, improve risk management and strengthen the banks' transparency.

Some Important Tips which you have to keep in your mind while going for Interview.

1. Tips on Preparing for the Interview-Day:
i. Gather information about the bank or organization that has invited
you for the interview. This will give you a clear idea about the
philosophy, work environment and reputation of the company.
ii. Read the job description carefully as to what they expect from you.
iii. Evaluate your qualifications, experience, and core competences,
areas of strength and accordingly draw up a questionnaire along with
your replies to the expected questions.

2. Brush up your communication skills.
i. Interviewers normally ask you to highlight your strengths and weaknesses.
ii. Strengths of course can be emphasized more easily but even the weaknesses can be presented in a positive light. For example, I
am a little impatient with the people who are not focused enough, or non serious about the work in hand
iii. Go with a positive frame of mind, without worrying much about the outcome.

3. Attending the Interview: Go with a smile (not a grin) on your face, with confidence and determination to succeed in your heart.

4. As You Enter:
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i. Depending upon whether you are being interviewed by one person or a panel of interviewers, greet politely Good
Morning/Afternoon or Evening depending upon time of the day.
ii. If there are more than one person then address them as Sirs/Madams and try to encompass them all in your greeting. If there is
only one lady in the panel, it is polite to greet her separately.
iii. Most probably you will be offered a seat. Do not sit down unless you are asked to.

5. Facing the Interviewers
i. As you sit across the interviewer(s), look confident and relaxed.
ii. In most cases the interviewers themselves will try to put you at ease.

6. The Body Language
i. Good body language can be inculcated and practiced. Your facial expression, appearance, gestures, how you walk, talk, stand, sit,
use your limbs etc. all form part of your body language.

7. Pay attention to the following.
Sit straight comfortably without craning your neck. Do not slouch.
Look attentive, keen and interested.
Talk clearly, maintaining a pitch that is comfortably audible to the person(s) around.
Do not get overexcited even while describing your achievements and strengths.
Listen to the queries attentively, constantly maintaining polite eye contact with the interviewers.
Nod your head to show that you are listening, interjecting appropriately with Yes Sir/Madam, absolutely, definitely etc.
Lean forward a little as you speak and backward as you listen.
Do not touch your face, or shake your legs.
Keep your arms either on your sides or in your lap. Do not fold your arms, as it is a sign of rudeness.
Use short simple sentences while talking.
Do not make unrealistic tall claims during the interview.
Never get too arrogant or aggressive in front of the interviewers.
Do not show your disappointment and disinterest. Maintain your poise till the end.
Always thank the interviewers as you leave.