Banking Interview Questions & Answers
(Easy English)
1. Tell me about yourself
“My name is _______. I am from ______ city. I completed my graduation in ______ stream
from ______ college.
My father is ______ and my mother is ______. I belong to a simple family.
I am hardworking and I like to talk with people. I want to start my career in banking sector
because it is a good and stable career. I want to learn and grow in banking industry.”
2. Run through your CV
“In my CV you can see my education details and basic skills.
I completed my graduation in ______.
I have good communication skills and I like working with people.
I want to start my career in banking and learn more about banking services.”
3. Why banking sector?
“I want to join banking sector because it is a stable job and gives good career growth.
In banking we meet many customers and help them with financial services.
I like interacting with people and helping them.”
4. Why do you want to join this bank?
“I want to join this bank because it is a growing private bank in India and it focuses on
customer service and modern banking.I want to learn from this organization and build my
career here.”
5. Where do you see yourself in 5 years?
“In the next 5 years I want to grow in banking sector.
I want to learn more about banking products, customer service and sales.
I want to take more responsibility and become a good banker.”
6. Are you comfortable with sales?
“Yes sir. Banking jobs include sales of banking products like accounts, loans and credit
cards.
I am comfortable talking with customers and explaining products to them.”
7. Are you ready for target based job?
“Yes sir. I understand banking jobs are target based.
I am ready to work hard and achieve targets.”
8. Are you ready to relocate?
“Yes sir. I am ready to relocate because for career growth flexibility is important.”
9. What do you know about the bank?
IDFC First Bank is a private bank in India.
Simple points to say:
• It is a fast growing private bank
• It gives good digital banking services
• It offers savings accounts, loans, credit cards and other financial products
• The bank focuses on good customer service
10. What is your job role?
“My job role will be to bring new customers to the bank, help them open accounts, explain
banking products like loans or credit cards, and build good relationship with customers.”
11. What skills do you have for this job?
“I have good communication skills, I like meeting new people, and I am hardworking.
I am also ready to learn new things.”
12. What is a bank?
“A bank is a financial institution that keeps people's money safe and provides services like
deposits, loans, and money transfer.”
13. What is savings account?
“A savings account is an account where people keep money safely and earn some interest
from the bank.”
14. What is current account?
“A current account is mainly used by business people.
It allows many transactions and usually does not give interest.”
15. Difference between savings account and
current account
Savings account
• For individuals
• Gives interest
• Limited transactions
Current account
• For businesses
• No interest
• Unlimited transactions
16. What is KYC?
“KYC means Know Your Customer.
Banks verify customer identity using documents like Aadhaar card, PAN card or voter ID.”
17. What is FD?
“FD means Fixed Deposit.
A customer deposits money in bank for fixed time and gets fixed interest.”
18. What is RD?
“RD means Recurring Deposit.
In RD a customer deposits small amount every month and gets interest.”
19. Who controls banks in India?
Banks in India are controlled by
Reserve Bank of India.
20. Who is the RBI Governor?
Governor of RBI is
Sanjay Malhotra.
21. What is digital banking?
“Digital banking means doing banking work through mobile phone or internet like UPI,
mobile banking and internet banking.”
22. What are assets and liabilities of a
bank?
Assets
• Loans given by bank
• Investments
• Cash
Liabilities
• Customer deposits
• Borrowings
23. Why should we hire you?
“You should hire me because I am hardworking, I am ready to learn, and I will give my best
to achieve targets and help customers.”
24. What are your strengths?
“My strengths are hard work, good communication, positive attitude and willingness to
learn.”
25. What are your weaknesses?
“My weakness is sometimes I take extra time to complete work because I want to do it
perfectly, but I am improving my time management.”
26. What is customer service?
“Customer service means helping customers, solving their problems and giving them the
right banking service.”
27. What are your hobbies?
“My hobbies are ______ like reading, watching news, learning about finance and using
internet to learn new things.”
28. If customer says he already has bank
account, how will you convince?
“I will politely explain the benefits of our bank like good service, digital banking and other
products.
I will tell the customer how our bank can give better service.”