IBPS SO Interview Questions 2025: The IBPS SO interview tests your technical, legal, and practical knowledge. Here are some expected questions and suggested approaches. The questions are divided into Generic and Post-specific.
IBPS SO Interview Questions- General
Here are some general questions that are asked from every candidate irrespective of their post.
1. Tell us about yourself.
Tip: Highlight your background, achievements, and relevance to the role.
Sample Answer:
“I am a law graduate from [Your University] with expertise in banking and financial regulations. My passion lies in understanding legal frameworks, and I aspire to contribute to a bank’s legal department by ensuring compliance and resolving disputes efficiently.”
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2. What are your strengths and weaknesses?
Tip: Be honest and show self-awareness.
Sample Answer:
“My strengths include attention to detail and effective teamwork. However, I tend to focus too much on perfection, which I am working to balance with efficiency.”
3. Explain the legal implications of cheque dishonor.
Answer:
“Cheque dishonor is governed by Sections 138 to 142 of the Negotiable Instruments Act. It involves a summary process where the bank ensures the cheque represents an existing debt. If the defaulter fails to settle within the notice period, legal action can be initiated.”
4. What should a bank do upon the death of a partner in a partnership account?
Answer:
“According to Clayton’s case, the bank must stop operations in the deceased partner’s account and open a new account for the surviving partners to limit legal liabilities.”
5. Discuss types of bank guarantees.
Answer:
“There are two main types of bank guarantees:
- Performance Guarantees: Ensure project completion or delivery.
- Financial Guarantees: Assure monetary obligations are met.”
6. What steps can banks take to strengthen legal preparedness?
Answer:
“Banks should focus on due diligence, standardizing legal agreements, and utilizing digital tools for case tracking and resolution.”
7. How do you stay updated on legal and banking regulations?
Tip: Mention specific methods like newsletters or professional groups.
Sample Answer:
“I regularly follow RBI notifications, Supreme Court judgments, and attend webinars on banking and financial law.”
8. How would you handle a delayed legal case?
Answer:
“I would ensure all necessary documents are in order, maintain communication with legal authorities, and explore options for out-of-court settlements to expedite resolution.”
IBPS SO Legal Interview Questions
- What is the role of a legal officer in a bank?
- Explain the significance of SARFAESI Act, 2002.
- What are the essential features of the Negotiable Instruments Act, 1881?
- Differentiate between civil and criminal law.
- How can banks recover Non-Performing Assets (NPAs) legally?
- What is the Insolvency and Bankruptcy Code (IBC), and why is it important for banks?
- Define the concept of due diligence in banking.
- Explain the steps involved in creating a mortgage.
- What do you understand by banking ombudsman?
- How does the Information Technology Act, 2000, relate to banking?
- What is the importance of Know Your Customer (KYC) norms legally?
- Discuss the role of the Reserve Bank of India in banking regulation.
- How does a legal officer ensure compliance with corporate governance norms?
- What are the consequences of default under loan agreements?
- How can a legal officer assist in preventing fraud in banking operations?

IBPS SO Agriculture Interview Questions
- What is the significance of Priority Sector Lending for agriculture?
- Explain the concept of crop insurance and its importance.
- How can banks promote rural and agricultural development?
- What are Kisan Credit Cards (KCC), and how do they benefit farmers?
- Discuss the importance of agricultural loans for farmers.
- What do you understand by NABARD and its role?
- Explain the concept of contract farming.
- How do banks assess the creditworthiness of farmers?
- What are the challenges faced in financing agricultural projects?
- Discuss the impact of climate change on agriculture and banking.
- How can banks encourage organic farming?
- What is the role of technology in modern agriculture?
- What is the Minimum Support Price (MSP), and why is it important?
- How do banks ensure the proper utilization of agricultural loans?
- Explain the significance of self-help groups (SHGs) in rural financing.

IBPS SO Marketing Interview Questions
- How can digital marketing benefit the banking sector?
- Explain the concept of cross-selling and its importance in banking.
- What is the role of a marketing officer in customer acquisition?
- How can banks build customer loyalty through marketing?
- Discuss the significance of brand management in banking.
- What is customer segmentation, and how is it applied in banking?
- How can banks use data analytics to improve their marketing strategies?
- Explain the concept of relationship marketing.
- How can banks effectively market their credit card services?
- What role does social media play in banking promotions?
- Discuss the challenges of marketing financial products.
- How do you handle customer complaints and turn them into opportunities?
- Explain the concept of 4Ps in banking services marketing.
- How can banks target millennials for their financial products?
- What strategies can a bank use to promote financial literacy?

IBPS SO IT Interview Questions
- What is the role of an IT officer in a bank?
- Explain the significance of Core Banking Solutions (CBS).
- What are cybersecurity measures banks should adopt?
- How does digital banking differ from traditional banking?
- Explain the concept of cloud computing and its role in banking.
- What do you understand by blockchain technology, and how can it help banks?
- Discuss the importance of data encryption in banking.
- How does artificial intelligence contribute to banking services?
- What are the risks associated with mobile banking?
- Explain the significance of the Payment Card Industry Data Security Standard (PCI DSS).
- How do banks use big data for decision-making?
- What is NEFT, RTGS, and IMPS? How do they differ?
- Explain the importance of two-factor authentication in online banking.
- Discuss the role of IT in fraud detection and prevention.
- How can banks implement green IT practices?

IBPS SO Interview Questions Additional Insights
Understanding insolvency laws is becoming increasingly important for banking roles. Here are some crucial points:
- Haircut in IBC: Refers to the reduction in debt recovery, where creditors often recover only a fraction of their dues.
- Secured vs. Unsecured Creditors: Secured creditors hold tangible securities, like hypothecated assets, while unsecured creditors, such as raw material suppliers, rely on agreements without tangible collateral.
- Role of NCLT, DRT, and Supreme Court: Bodies like NCLT handle IBC cases, while DRT focuses on personal insolvency and debt recovery. The Supreme Court often resolves overlapping issues.
With proper preparation, thorough knowledge of legal procedures, and a confident demeanor, you can excel in the IBPS SO interview.
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