Kerala Gramin Bank Interview Questions and Answers

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Banking operations related questions

Q1. Banking operations related questions
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Q1. Technical questions related to security
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Q1. What are different rates in bank like Repo rate, reverse Repo, CRR
Ans. 
Repo rate, reverse repo rate, and CRR are different rates used by banks to manage liquidity and control inflation.
• Repo rate is the rate at which the central bank lends money to commercial banks, and is used to control inflation by increasing or decreasing the cost of borrowing.

• Reverse repo rate is the rate at which the central bank borrows money from commercial banks, and is used to manage liquidity in the banking syst...read more
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Q2. What is money laundering?
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Money laundering is the process of making illegally obtained money appear to be legitimate.
• It involves disguising the source of the money through a series of transactions.

• The purpose is to make the money usable without raising suspicion.

• Examples include buying and selling assets, creating shell companies, and using cash-based businesses.

• It is often associated with organized crime and terrorism financing.

• Money launderin
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Q3. What do you understand by RBI
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RBI stands for Reserve Bank of India, the central banking institution of India.
• RBI is responsible for regulating the monetary policy of India.

• It issues currency and manages the foreign exchange reserves of the country.

• It supervises and regulates the banking sector in India.

• RBI also acts as a banker to the government and provides credit to various sectors of the economy.

• It was established in 1935 and has its headquarter...read more
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Q4. Who is current RBI governor?
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The current RBI governor is Shaktikanta Das.
• Shaktikanta Das was appointed as the 25th Governor of the Reserve Bank of India in December 2018.

• Prior to his appointment as Governor, he served as a member of the 15th Finance Commission of India and as the Economic Affairs Secretary to the Government of India.

• He has also worked in various capacities at the Ministry of Finance and the Planning Commission of India.

• Under his l...read more
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Q5. What is full form of UPI?
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The full form of UPI is Unified Payments Interface.
• UPI is a real-time payment system developed by NPCI.

• It allows users to transfer money between bank accounts instantly.

• UPI is based on the Immediate Payment Service (IMPS) infrastructure.

• It can be used for various transactions such as bill payments, online shopping, and more.

• Some popular UPI apps include Google Pay, PhonePe, and Paytm.
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Q1. What is the difference between credit card and debit card?
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Credit cards allow users to borrow money from the card issuer, while debit cards deduct funds directly from the user's bank account.
• Credit cards allow users to borrow money up to a certain limit set by the issuer, while debit cards only allow spending up to the available balance in the linked bank account.

• Credit cards charge interest on the borrowed amount if not paid in full by the due date, while debit cards do not i...read more
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Q2. Why do you want to work in Finance?
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Q1. Hardware issues
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Q2. Networking issues
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Q1. Self introduction
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Q2. How do expect for your salary
Ans. 
I am looking for a competitive salary that reflects my experience and skills in the industry.
• Research industry standards for System Engineers in the specific location

• Consider years of experience and level of expertise

• Factor in benefits and perks offered by the company

• Be prepared to negotiate based on the overall compensation package
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Ibps exam conducted online Evey year

Ibps mains exam conducted every year for those who clear prelims

Q1. Personal details and industry related and education related knowledge
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Through IBPS Examination Conducted by Bank

Q1. Tell me about yourself, Background, Education based and News
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Q2. Strong points and weakness
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Quantitative and Reasoning

Group Discussion with the fellow applicants.