StudentBankingPortals

24/12/2015

As the interviews are going to start very soon. We are sure
you all are ready to put your
best foot forward and move
ahead towards your goals. Just
to give final touches to your
preparation, we would like to
add that zing factor to help
you get the Midas touch.
Here is a list of few things that
you need to stay away from
during your interview, to keep you going on the right track!
1. Arriving late- make sure you be on time, as the saying
goes, the first impression is always the last impression.
2. Being rude to the receptionist.
3. Smelling like a cigarette.
4. Being dressed inappropriately- please refer to the
interview capsule for proper dress code for the
interviews.
5. Wearing sunglasses.
6. Wearing too much perfume or aftershave.
7. Wearing the cell phone Bluetooth earpiece.
8. Leaving the cell phone on- make sure you have your
phone on flight mode or the silent mode before entering
the room.
9. Shaking hands too weakly or too strong-This is the most
common mistake candidates make if they extend their
hand for a hand shake. Remember the hand should fit in
the opposite persons hand and should be a firm grip
which is neither too tight nor too loose.
10. Complaining that you were kept waiting for the
interview.
11. Sitting before invited by the interviewer (not waiting to
be invited before taking a seat).
12. Sitting in a sloppy manner.
13. Chewing gum, a pen or playing with your hair.

14. Not matching yourself to the style of the interviewer’s
communication- i.e if the interviewer is cracking a joke,
do laugh a bit along with him, or if the interviewer
changes the language, make sure you do it as well, if his
tone is a bit casual, you too,answer in a way that is short
and casual.

15. Failing to listen carefully to the interviewer’s questionsAt
times we get lost in our own thoughts, or previous
answer that we have given. Remember to be in the
present moment during the interview, even if your past
answer was a bit messy or not to your expectation. Do
not assume things till you get over with your interview.

16. Being unprepared to the standard job interview
questions- We are sure you have gone through the list of
frequently asked questions and have made your answers
as per your situation, if not you still have time, as it is
always beneficial to have a

17. Failing to do your homework about the potential
employer.

18. Lying about your qualifications, experience and your
knowledge- make sure you put forward correct facts
about yourself, this does not mean that you elaborate
the negatives as well in your attempt to be honest. Just
say what will help you get brownie points, leave the rest.

19. Not showing enthusiasm/interest on the job- No matter
how you feel, or what your life situation might have
been, but once in the interview room, all you should
think about is the job and the panelist who are no less
that the golden ticket to your job.

20. Bad mouthing you previous boss-A definite no no, always
have good things to say about your boss, remember the
phrase-'The boss is always right", have things to say
about how much you learnt from him/her, what was the
best thing about your previous job, and how much it
helped in your development, etc.

21. Explaining in detail about the cause of the job layoffRemember
DO NOT GO INTO DEPTH OF ANYTHING, say
only that which is required and will help you in
convincing them about your capabilities.

22. Sharing too much- same as above, do not get too
involved in your answer that you forget when to stop.
The panelist are trained to make you feel at home, and
are usually a chirpy lot, so seeing them do not forget
your purpose . Stay committed to your goals at all times

23. Failing to explain how your skills match the job in
question- See you are going there either for the post of
an Assistant officer or a Probationary officer, so at all
times your skill description should convince them of your
commitment and eligibility for that post

24. Speaking for most of time of the interview or
Interrupting the interviewer speech-remember you need
to be a good listener if that's what the situation
demands.
25. Asking too many questions or irrelevant questions.
Failing to ask good questions.
26. Yawning.
27. Waving names to boast or sounding like you think you
know everything.
28. Asking to use bathroom during the interview.
29. Being too humble: Being humble is a good trait, but it
does not mean that you stay mum and do not say
anything about your-self. Remember you are there to sell
your-self there, think of ways by which you can stand
apart from the crowd. Find ways to make the best of the
situation you are in. Do not for once doubt your
capabilities.Remember it is not what you say that is
going to land you a job, but rather how you say that will
set you apart.
30. Not making eye contact (or maintaining prolonged eye
contact)- Make sure you make eye contact with the
panelist, but does not mean that you keep looking into
their eyes, while talking look around as well for a few
seconds.
31. Getting angry or defensive- no matter where the
conversation leads to, even in the worst case scenario,
stay away from anger or irritation. Do not let your ego
come in the way of your prudence.
32. Saying phrases like “you know", "like a", “I guess” and
"Hmm"- i.e. being too casual and laid back in your
answers, rather be a good mix of formal and casual as
per the demand of the situation.
33. Showing nervousness-We are well aware of the fact that
not everyone is super confident, and it is only natural to
be a little jittery and nervous before the panelist. but
make sure you do not let this nervousness get the better
of you, be in control of your mind at all times and stay
Stay with us at:- www.stportal.in

12/12/2015

IBPS PO V INTERVIEW PREPATIONS QUESTIONS
THESE ARE SOME IMPORTANT QUESTIONS WHICH YOU MUST READ..

1 What is banking?
2 What is CTS?
3 Use of computer in banking field
4 Which bank u prefer first and why?
5 What is cyber crimes
6 Being as an employee of a bank, how can u increase the business of bank?
7 CASA
8 Why we hire u?
9 Atm and its use
10 Financial inclusion and schemes launched by govt for it
11 Contingent liability
12 Break even point
13 Depreciation and its methods
14 Why do u want to join a bank?
15 How u handle an aggressive customer
16 Functions of bank
17 Functions of commercial bank
18 Types of bank
19 Function of RBI
20 CRR &SLR
21 What is balance sheet?
22 What channels are provided by banking sector?
23 Why banking not anything else?
24 What is plastic money?
25 Different types of credit and debit card
26 Negotiable instruments
27 What is nationalisation of bank
28 If an uneducated/old people come to your bank,how will u help them?
29 Quality of a banker
30 Major problems, that all banks are faced with?
31 Why banking after engineering?
32 Documents needed to open a bank a/c and if any one doesn’t have any document what will u do?
33 LADY CMD OF BANKS
34 MNREGA

01/12/2015

Various Schemes launched by Prime Minister in 2015-16

Pradhan Mantri Suraksha Bima Yojana

Eligibility – age group 18-70 having saving bank account can be enrolled under scheme.
Premium – Rs 12 per annum
Payment mode – through saving bank account of the subscriber
Insurance cover- for accidental death- Rs 2 lakh, for partial disability Rs 1 lakh
Pradhan Mantri Jeevan Jyoti Bima Yojana

Eligibility – age group 18-50 having saving bank account can be enrolled under scheme.
Premium –Rs 330 per annum
Payment mode – through saving bank account of the subscriber
Insurance cover - forrs 2 lakh in case of death due to any reason
Atal Pension Yojana

Purpose – pension
Age – minimum 18 years and maximum 40 years
Fixed pension –Rs 1000 to Rs 5000 per month at the age of 60 years
Contribution depends upon your age
Government contribution – 50% of your contribution or Rs 1000, whichever is lower
Saving bank account is mandatory
Atal Mission for Rejuvenation and Urban Transformation (AMRUT) and Smart Cities

Project scope- 100 smart Cities and 500 cities for AMRUT
Central allocation –Rs 48000 crore for smart cities and Rs 50000 crore for AMRUT
Period – 5 years
Smart cities to be selected through City Challenge Competition
AMRUT will cover all cities with population more than 1 lakh and above
Skill Development Program

It will provide training and skill development to 500 million youth of our country by 2020, covering each and every village.
Pradhan Mantri Awas Yojana

It is a reformation of the scheme “Housing for All”.
The aim of this scheme is to construct more than two crore houses across the length and bredth of the nation.
The target beneficiaries of the scheme would be poor and people living under EWS and LIG categories in urban establishments of the country.
The government would provide an interest subsidy of 6.5% on housing loans availed by the beneficiaries for a period of 15 years from the start of loan.
The houses under Pradhan MantriAwasYojana would be allotted to preferably the female member of the family.
Digital India

Aim – To ensure the government services are made available to citizens electronically.
Digital India has three core components. These include-
The creation of digital infrastructure, Delivering services digitally, Digital literacy

The project is slated for completion by 2019.
Monitored and Controlled by - Ministry of Communications and IT
9 Key points of Digital India Programme are as follow-
Broadband Highways
Universal Access to Phones
Public Internet Access Programme
e-Governance – Reforming government through Technology
e-Kranti – Electronic delivery of services
Information for All
Electronics Manufacturing – Target NET ZERO Imports
IT for Jobs
Early Harvest Programmes
Heritage City Development and Augmented Yojana

Amount allocated – Rs 500 Crore
City allocated – 12 cities (namely, Ajmer, Amaravati,(Andhra Pradesh), Amritsar, Badami, Dwarka, Gaya, Kanchipuram, Mathura, Puri, Varanasi, Velankanni and Warangal).
Aim – To bring together urban planning, economic growth and heritage conservation in an inclusive manner to preserve the heritage character of each Heritage City.
Sukanya Samriddhi Account Yojana

Investment type- small deposit account
Where – post office and selected banks
Max number of account- 1 account per girl
Max number of accounts per family – max. 2 girl child
Age–from birth till 10 years of girl child
Min. deposit –Rs 1000/ per year, further multiple of rs 100
Max. deposit –1.5 lakh/year
Interest rate –9.1% of financial year 2014-15. it will change every year
Partialwithdrawl–50% allowed at the age of 18 years of girl
Maturity – 21 years from the date of account open or marriage, whichever is earlier
PAHAL Scheme

Aim - to bring transparency and terminate pilferage from distribution of funds sponsored by Central Government of India.
Micro Units Development and Refinance Agency Ltd (MUDRA) Bank

Regulate the lender and the borrower of microfinance and bring stability to the microfinance system through regulation and inclusive participation.
MUDRA Bank has rightly classified the borrowers into three segments: the starters, the mid-stage finance seekers and the next level growth seekers.To address the three segments, MUDRA Bank has launched three loan instruments:
Shishu: covers loans uptoRs 50,000/-

Kishor: covers loans above Rs 50,000/- and uptoRs 5 lakh

Tarun: covers loans above Rs 5 lakh and uptoRs 10 lakh

Pradhan Mantri Jan DhanYojana

It is the flagship financial inclusion plan of the NDA Government.
All Indian citizens can now avail of a bank account despite the lack of KYC documentation. These bank accounts are valid for a year within which account holders must furnish proof of having applied for valid documents required to comply with KYC norms.
Under the scheme:
Beti Bachao, Beti Padhao (Save girl child, educate girl child)

Its aims is to generate awareness and improving the efficiency of welfare services meant for women.
The scheme was initiated with an initial corpus of Rs 100 crore.
The Ministry of Women and Child Development will be responsible for budgetary control and administration of the scheme at the Central level
Madhuri Dixit is the brand ambassador of this scheme.
Swachh Bharat Abhiyan

For ensuring hygiene, waste management and sanitation across the nation “Swachh Bharat Mission” launched.
This will be tribute to Mahatma Gandhi on his 150th birth anniversary to be celebrated in the year 2019.
It aims to provide every rural family with a toilet by 2019.
It is expected to cost over ₹62000 crore.
Fund sharing between the Central Government and the State Government and Urban Local Bodies (ULBs) is 75%:25% (90% : 10% for North Eastern and special category states).
Modi selected 9 public figures to propagate this campaign.

12/11/2015

Boost your Reasoning Skill by practice these questions
Download it as PDF...http://emahendras.org/downlods/501-Challenging-Logical-Reasoning-Problems%20.pdf

12/11/2015

Hi ..Friends I am going to post useful material for the upcoming Clerk V 2015....Check it Out..!!

List of Chief ministers and Governors of the states

S.NO. State Chief Minister Governor
1. Andhra Pradesh N. Chandrababu Naidu E. S. L. Narasimhan
2. Arunachal Pradesh Nabam Tuki J.P Rakkhowa
3. Assam Tarun Gogoi Padmanabha Acharya
4. Bihar Nitesh Kumar Keshari Nath Tripathi
5. Chhattisgarh Raman Singh Balram Das Tandon
6. Delhi Arvind Kejriwal
7. Goa Lakshmikant Pareskar Mridula Sinha
8. Gujarat Anandiben Patel Om Prakash Kohli
9. Haryana Mohan Lal Khattar Kaptan Singh Solanki
10. Himachal Pradesh Virbhandra Singh Kalyan Singh
11. Jammu and Kashmir M***i Mohammad Sayeed Narinder Nath Vohra
12. Jharkhand Raghuvar Das Draupadi Murmu
13. Karnataka Siddaramaiah Vajubhai Vala
14. Kerala Oommen Chandy P. Sathasivam
15. Madhya Pradesh Shivraj Singh chouhan Ram Naresh Yadav
16. Maharashtra Devendra Fadnavis C. Vidyasagar Rao
17. Manipur Okram Ibobi Singh Syed Ahmed
18. Meghalaya Mukul Sangma V. Shanmuganthan
19. Mizoram Lal Thanhawla Nirbhay Sharma
20. Nagaland T. R. Zeliang Padmanabha Acharya
21. Odisha Naveen Patnaik S. C. Jamir
22. Puducherry N. Rangaswamy
23. Punjab Parkash Singh Badal Kaptan Singh Solanki
24. Rajasthan Vasundhara Raje Kalyan Singh
25. Sikkim Pawan Kumar Chamling Shriniwas Dadasaheb Patil
26. Tamil Nadu J Jayalalitha K. Rosaiah
27. Telangana K. Chandrashekar Rao E. S. L. Narasimhan
28. Tripura Manik Sarkar Tathagata Roy
29. Uttar Pradesh Mr. Akhilesh yadav Ram Naik
30. Uttarakhand Harish Rawat Krishan Kant Paul
31. West Bengal Mamata Banerjee Keshari Nath Tripathi