SBI Clerk interview Question

SBI Clerk interview Question: taken from Web itself , you may Need to use your mind sometime.

Had my interview in banglore for syndicate on 16 march 2012

tell me abt ur self
as am working in sbi as clerk asked me why i wanna leave sbi
then if u clear jaiib and caiib u can get po there itself
what am doing there
what is base rate?
whats the purpose of giving loans?
what is retail credit?what r the products of retail credit?
finnancial inclusion?
what is dri?
on what basis give loans?
have u heard about cibil?
what is percentage of gold loan?
what is business of ur branch and profit for last year?
westrn union?
family backgroud
it lasted around 15 min

I read sujana interviews question.I am also working at SBI.My sbi interview held on 17th mar.The question they asked were

1. tell me something about yourself.
2.why there is a gap after your graduation?
3.when was your branched establised?what are the the business of your branch?
4.what are the jobs you performs?
5.How many people are working at your branch?
6.Difference between cc and od account.
7.what are stock statements?
8.how is cc provided?
9.how to sanction loan?
10.are you persuing jiiband ciib?
11.what are the main activities of people in that areas.
that all a request if possible can you(sujana)the answer of your question I would highly appreciate your effort but if you feel bad please forget and forgive.

Questions asked:
panel head asked:

-cut off for previous shortlists (I dint got selected in any bfore.)
-difference between banking n finance (told)
-Difference between micro financial institutions and NBFCs. (told)
-Diff. between Co-operative societies and SHGs.(told)
-Accounting practices in banks (kindly ans. anyone)
-debt equity structure of a company to be considered by bank for loaning (ans. pls)
-whts working capital? (told)
-are preferential shares r counted as equity? (told)
-wht is more beneficial fr a co.: equity or debentures (told)
-and few more question relating to banking n finance. (told many of them)

2nd person asked:
- whts GUI?
-hw would u save a computer during electric storm (ans. pls)
-most preferred computer language in business parlance.(told few)
-name 4 operating system (told)
-name 3 4th gen comp. language (told)
-name 5 lady business personalities (told)
-3 strong points in favour of ur candidature (told)
-wht's guarantee that u'll join bank (told)
-ur 2 weaknesses (told)
and 1 more current question whch i forgot.

Q1. What were you doing since 2010(year of graduation)?
Q2. What is Cloud Computing?
Q3. What this years budget had in store 4 banking sector and effects of tis budget on banking sector?
Q4. What is Inflation? How it is controlled?
Q5. What is HDI(Human Developement Index)?
Q6. How is HDI calculated?
Q7. What is GDP?
Q8. What are Foreign Reserves?
Q9. What types of Loans are provided by Banks?
Q10. What are your strength and weakness?

Notes:

Important definitions helpful in bank interview preparation:-
Hi friends,
Here I am posting for you some important banking terminology that will helpful in your bank interview preparation. I hope it will clear all your doubts regarding different bank rates.

REPO RATE: - Under repo transaction the borrower places with the lender certain acceptable securities against funds received and agree to reverse this transaction on a predetermined future date at agreed interest cost. Repo rate is also called (repurchase agreement or repurchase option).

REVERSE REPO RATE: - is the interest rate earned by the bank for lending money to the RBI in exchange of govt. securities or "lender buys securities with agreement to sell them back at a predetermined rate".

CASH RESERVE RATIO: - specifies the percentage of their total deposits the commercial bank must keep with central bank or RBI. Higher the CRR lower will be the capacity of bank to create credit.

SLR: - known as Statutorily Liquidity Ratio. Each bank is required statutorily maintain a prescribed minimum proportion of its demand and time liabilities in the form of designated liquid asset.
OR
"Every bank has to maintain a percentage of its demand and time liabilities by way of cash, gold etc".

BANK RATE: - is the rate of interest which is charged by RBI on its advances to commercial banks. When reserve bank desires to restrict expansion of credit it raises the bank rate there by making the credit costlier to commercial bank.

OVERDRAFT:- It is the loan facility on customer current account at a bank permitting him to overdraw up to a certain agreed limit for a agreed period ,interest is payable only on the amount of loan taken up.

PRIME LENDING RATE: It is the rate at which commercial banks give loan to its prime customers.

HDFC credit Card PIN

Hello,

Recently happened to get Credit Card from HDFC (not used so far, so will update later about its services). Called Customer care from HDFC,  20 66034332

She informed, PIN will be sent by postal mail at Billing Address.

Cheers :)
Vivek 

Learn English in easy Way!

Friends

English is very Common Language.

Sharing the Basic Steps to learn it.

1) Get Vocabulary.
2) Practise them in Your Sentences.
3) Here are some structure which you can use to make Sentences.

A) Affirmative: Subject + Helping Verb +  main Verb + Object + Other Things/Words

 Example: I can Do it.

B) Negative: Subject + Helping Verb +  not + main Verb + Object + Other Things/Words

 Example: I can not Do it.

InterNet Explorer Private Browsing Helps!

InterNet Explorer Private Browsing Helps!

All previous stored passwords are not used, It prompts you to enter new password.

Internet Explorer sometime makes you sick by its settings. :)

Commerce Colleges In Pune MH.

Friends

 Writing the details I have got during admission of my younger Brother for B.Com in Pune Colleges.

1) Poona college of Arts Science  commerce, Pune, Maharashtra

Affiliated To : University of Pune

Established In : 1970 No entrance exam taken.

Address:

Camp , Pune - 411 001 Maharashtra, INDIA.
Ph :  020-26454240 called / 26446319
Fax : 020-26453707

 

 

2)   Brihan Maharashtra College of Commerce (BMCC) , Pune, Maharashtra

Affiliated To : University of Pune

Established In : 1943

 Address:

845,  Shivajinagar, Pune 411004. Maharashtra. India.
Phone: +91 20 6686 6200

 Fax: +91 20 6686 6222

BMCC merit list coming on 16^th June 2012.

 Web : http://www.bmcc.ac.in/admissions.asp

For any Queries please contact us on :     Dy. Registrar,
 Academic Section,
 University of Pune,
 Ganeshkhind, Pune 411007.      Phone Nos :  2560 1257/1259      Email : cet@unipune.ac.in

Note: This should be your priority for Admission 

3)   Indira college

http://iccs.ac.in/BcomAdmission_Procedure.html

fill form by 13^th June 2012 . on 14 June 2012 merit list will come

Contact :

Dr. Mrs. Anjali Kalkar
Phone : 020-66759507/ 020-66759515 / 020-66759637
Email : anjali.kalkar@iccs.ac.in

fees: For MH students : 10000 Rs per year.

        For Outside  MH students : 13000 Rs per year.

4) DY PATIL college Pimpari  -

Contact Details

Address: Pimpri Pune-411018.

Phone: 27421095/ 96 /97    27424194  - Open on saturday as well till 4PM

Fax: (020) 27420711

Website: www.dypacs.com

5)  Sir Parshurambhau College (S.P. College)

www.spcollegepune.ac.in

Address:

Tilak Road, S P College,Pune, 411030

Phone Number:

+91-20-24336572 (None Picked) , +91-20-24331978, +91-20-24331928, +91

Note:  

 F.Y.B.Com.

Only those students who have passed 12th Commerce from S. P. College can be accommodated in S.P. College for F.Y.B.Com admissions. Outsiders cannot be considered for this purpose.

6)

St. Vincent College of Commerce,
2004, St. Vincent Street, Camp, Pune - 411 001   Tel: (020) 26351162

7) Ness Wadia College of Commerce

Address: 19, V. K. Jog Path, Near Pune Railway Station, Pin - 411001 City: Pune State: Maharashtra  Telephone Number: +91 - 020 - 26127024

 

Communicate: Improve Your Relationships With Effective Communication Skills

Conflict in a relationship is virtually inevitable. In itself, conflict isn’t a problem; how it’s handled, however, can bring people together or tear them apart. Poor communication skills, disagreements and misunderstandings can be a source of anger and distance, or a springboard to a stronger relationship and happier future. Next time you’re dealing with conflict, keep these tips on effective communication skills in mind and you can create a more positive outcome.

Here's How:

Stay Focused: Sometimes it’s tempting to bring up past seemingly related conflicts when dealing with current ones. Unfortunately, this often clouds the issue and makes finding mutual understanding and a solution to the current issue less likely, and makes the whole discussion more taxing and even confusing. Try not to bring up past hurts or other topics. Stay focused on the present, your feelings, understanding one another and finding a solution.

1. Listen Carefully: People often think they’re listening, but are really thinking about what they’re going to say next when the other person stops talking. Truly effective communication goes both ways. While it might be difficult, try really listening to what your partner is saying. Don’t interrupt. Don’t get defensive. Just hear them and reflect back what they’re saying so they know you’ve heard. Then you’ll understand them better and they’ll be more willing to listen to you.

2. Try To See Their Point of View: In a conflict, most of us primarily want to feel heard and understood. We talk a lot about our point of view to get the other person to see things our way. Ironically, if we all do this all the time, there’s little focus on the other person’s point of view, and nobody feels understood. Try to really see the other side, and then you can better explain yours. (If you don't 'get it', ask more questions until you do.) Others will more likely be willing to listen if they feel heard.

3. Respond to Criticism with Empathy: When someone comes at you with criticism, it’s easy to feel that they’re wrong, and get defensive. While criticism is hard to hear, and often exaggerated or colored by the other person’s emotions, it’s important to listen for the other person’s pain and respond with empathy for their feelings. Also, look for what’s true in what they’re saying; that can be valuable information for you.

4. Own What’s Yours: Realize that personal responsibility is a strength, not a weakness. Effective communication involves admitting when you’re wrong. If you both share some responsibility in a conflict (which is usually the case), look for and admit to what’s yours. It diffuses the situation, sets a good example, and shows maturity. It also often inspires the other person to respond in kind, leading you both closer to mutual understanding and a solution.

5. Use “I” Messages: Rather than saying things like, “You really messed up here,” begin statements with “I”, and make them about yourself and your feelings, like, “I feel frustrated when this happens.” It’s less accusatory, sparks less defensiveness, and helps the other person understand your point of view rather than feeling attacked.

6. Look for Compromise Instead of trying to ‘win’ the argument, look for solutions that meet everybody’s needs. Either through compromise, or a new solution that gives you both what you want most, this focus is much more effective than one person getting what they want at the other’s expense. Healthy communication involves finding a resolution that both sides can be happy with.

7. Take a Time-Out: Sometimes tempers get heated and it’s just too difficult to continue a discussion without it becoming an argument or a fight. If you feel yourself or your partner starting to get too angry to be constructive, or showing some destructive communication patterns, it’s okay to take a break from the discussion until you both cool off. Sometimes good communication means knowing when to take a break.

8. Don’t Give Up: While taking a break from the discussion is sometimes a good idea, always come back to it. If you both approach the situation with a constructive attitude, mutual respect, and a willingness to see the other’s point of view or at least find a solution, you can make progress toward the goal of a resolution to the conflict. Unless it’s time to give up on the relationship, don’t give up on communication.

9. Ask For Help If You Need It: If one or both of you has trouble staying respectful during conflict, or if you’ve tried resolving conflict with your partner on your own and the situation just doesn’t seem to be improving, you might benefit from a few sessions with a therapist. Couples counseling or family therapy can provide help with altercations and teach skills to resolve future conflict. If your partner doesn’t want to go, you can still often benefit from going alone.

Tips:

Remember that the goal of effective communication skills should be mutual understanding and finding a solution that pleases both parties, not ‘winning’ the argument or ‘being right’.

This doesn’t work in every situation, but sometimes (if you’re having a conflict in a romantic relationship) it helps to hold hands or stay physically connected as you talk. This can remind you that you still care about each other and generally support one another.

Keep in mind that it’s important to remain respectful of the other person, even if you don’t like their actions.

Here's a list of common unhealthy ways to handle conflict. Do you do some of these? If so, your poor communication skills could be causing additional stress in your life.

kundalpur account: please donate

All

Jai Jinnendra

recently i visited to Kundalpur, Damoh MP and it is really very good atishaykari sidh kshetra. I seen Keshar drops on floor near some temple over there. Mentioned below is the info of Bank account if you want to donate some money and want to earn Punya.

------------------SBI------
Account Number: 10708-180064
IFSC: SBIN0001832
Account code: 1832 SBI Damoh , MP.

--------------Axis Bank------------

Account Number: 9100-10000-535130
IFSC: UTIB000070
PAN: AAHTS0546A

----------Phone Numbers
Kundalpur Office: 07605-272230
Damoh Office: 07812-225994 , 95
Cheaf (adhyaksh): Santosh Singhai -- 094256 11762


please write back your review about this holy place.

Jai Jinnendra
Vivek Jain