eGigBank PO and clerk interview questions and answers
Bank interviews after IBPS, SBI or RBI exams test your awareness of banking basics, the bank you applied to and how you would serve customers. Read current RBI rates before you go.
12 questions. Read each one, start the timer and answer out loud as if you were in the room, then open the tip. Nothing is recorded.
Why do you want to join banking?
What a good answer covers
A personal reason plus service: helping people with money, financial inclusion, a career with growth. Not only job security.
Tell me about yourself.
What a good answer covers
Education, how you prepared for the exam, your interests, and a link to why banking suits you.
What is the repo rate?
What a good answer covers
The rate at which the RBI lends to banks. It is used to control inflation. Check the latest rate on the RBI website before the interview.
What is the difference between CRR and SLR?
What a good answer covers
CRR is the share of deposits banks keep with the RBI as cash. SLR is the share they keep themselves in cash, gold or government securities.
What is an NPA?
What a good answer covers
A loan where interest or principal is overdue for more than 90 days.
What do you know about the bank you have applied to?
What a good answer covers
Its headquarters, head, size, recent news and one or two schemes it runs.
What are KYC norms?
What a good answer covers
Verifying a customer’s identity and address with documents like Aadhaar and PAN, to prevent fraud and money laundering.
What is financial inclusion? Name a scheme.
What a good answer covers
Bringing banking to everyone. Examples: PM Jan Dhan Yojana, Atal Pension Yojana, PM Jeevan Jyoti Bima Yojana.
What is the difference between NEFT, RTGS and IMPS?
What a good answer covers
NEFT settles in half-hourly batches, 24x7. RTGS is real time for large amounts, from ₹2 lakh. IMPS is instant, 24x7, for smaller amounts.
How has UPI changed banking?
What a good answer covers
Instant, free payments on a phone for everyone. Mention the need to protect customers from UPI frauds.
A long queue forms and a customer gets angry. What do you do?
What a good answer covers
Stay calm, acknowledge the wait, help them or guide them to the right counter, and inform the manager.
Are you willing to work in a rural branch?
What a good answer covers
Say yes and why: you will learn real banking and serve people who need it most.
All 12 questions with answers
1. Why do you want to join banking?
A personal reason plus service: helping people with money, financial inclusion, a career with growth. Not only job security.
2. Tell me about yourself.
Education, how you prepared for the exam, your interests, and a link to why banking suits you.
3. What is the repo rate?
The rate at which the RBI lends to banks. It is used to control inflation. Check the latest rate on the RBI website before the interview.
4. What is the difference between CRR and SLR?
CRR is the share of deposits banks keep with the RBI as cash. SLR is the share they keep themselves in cash, gold or government securities.
5. What is an NPA?
A loan where interest or principal is overdue for more than 90 days.
6. What do you know about the bank you have applied to?
Its headquarters, head, size, recent news and one or two schemes it runs.
7. What are KYC norms?
Verifying a customer’s identity and address with documents like Aadhaar and PAN, to prevent fraud and money laundering.
8. What is financial inclusion? Name a scheme.
Bringing banking to everyone. Examples: PM Jan Dhan Yojana, Atal Pension Yojana, PM Jeevan Jyoti Bima Yojana.
9. What is the difference between NEFT, RTGS and IMPS?
NEFT settles in half-hourly batches, 24x7. RTGS is real time for large amounts, from ₹2 lakh. IMPS is instant, 24x7, for smaller amounts.
10. How has UPI changed banking?
Instant, free payments on a phone for everyone. Mention the need to protect customers from UPI frauds.
11. A long queue forms and a customer gets angry. What do you do?
Stay calm, acknowledge the wait, help them or guide them to the right counter, and inform the manager.
12. Are you willing to work in a rural branch?
Say yes and why: you will learn real banking and serve people who need it most.
Before the interview
- Read the job description twice and match two of your examples to what it asks for.
- Keep printed copies of your resume, ID proof and certificates ready, even for online rounds.
- Know your current CTC, expected salary and notice period. Check typical pay in our salary guide, and compare offers with the in-hand salary calculator.
- Genuine employers never ask you to pay for an interview, training kit or joining. Report anyone who does.