SBI PO Group Discussion Important Topics 2023 – Check Here

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SBI PO Group Discussion Important Topics

SBI PO Group Discussion Important Topics – State Bank of India (SBI) conducts the SBI PO exam. It’s time to prepare for the Phase III round, which is Group Discussions (GD) and Personal Interviews (PI). Marks obtained in the GD & PI will be added to the marks obtained in the SBI PO Main exam for the final merit list. In this blog, we shared with you  SBI PO Group Discussion Important Topics that you may prepare for the upcoming SBI PO Group Discussion Round and also the topics that have been asked previously.

SBI PO Group Discussion Important Topics:

Topics for GD could be Factual from day to day issues, past trends, facts & figures; Political; or any Abstract topic. Following are some topics that you can practice while preparing for SBI PO Group Discussion

1. Impact of CBDC on the financial system and economy of India
2. How Neo-banks are defining the future of Banking
3. Significance of India holding the G20 Presidency 
4. E-Vehicles in India
5. How to reduce Carbon footprint
6. Challenges to the Indian Banking sector
7. Impact of 5G on the Global Economy
8. Inflation Impact on India
9. Adani Group fallout – It’s impact on Indian Economy
9. Union Budget 2023 – Pro and Cons
10. Moonlighting
11. AI as the future
12. Cyberwarfare
13. Climate change – a Global threat
14. Social media and spread of misinformation
15. Freebie politics in India
16. Depression & mental illness in India
17. Data privacy concerns.
18. Do brands rule our lives? 
19. Should kids reality shows be banned?
20. Censorship of web series – Pros & Cons
21. Gig economy
22. Tech layoffs
23. Work life balance is a myth
24. Metaverse

Here we have covered few topics for the reference for Aspirants. This will give you an Idea on points you can speak on a group discussion like what the topic is about, pros and cons of each topic described below.

Impact of CBDC on the financial system and economy of India:

CBDC (Central Bank Digital Currency) refers to digital forms of money issued by the central bank that is equivalent in value to the traditional currency. India’s central bank, the Reserve Bank of India (RBI), is currently exploring the possibility of issuing a CBDC. Here are some potential impacts of CBDC on the financial system and economy of India:


  1. Increased financial inclusion: CBDC can potentially provide a digital form of currency that can be easily accessed and used by people who may not have access to traditional banking services.
  2. Reduced transaction costs: CBDC can potentially reduce transaction costs associated with traditional banking and payment systems, which can in turn lead to increased economic activity.
  3. Improved monetary policy: CBDC can potentially provide the central bank with more tools to implement monetary policy, such as the ability to set interest rates on digital currency transactions.
  4. Improved financial stability: CBDC can potentially improve financial stability by reducing the risk of bank runs and providing a more stable source of liquidity.
  5. Increased efficiency: CBDC can potentially make transactions faster and more efficient by eliminating the need for intermediaries.
  6. Transparency and traceability: CBDC can provide a transparent and traceable record of transactions, which can help reduce corruption and money laundering.


  1. Privacy concerns: CBDC can potentially raise privacy concerns as all transactions will be recorded on a centralized ledger, which could lead to increased surveillance.
  2. Technological challenges: Implementing CBDC will require significant technological infrastructure and expertise, which could pose challenges for India’s financial system.
  3. Cybersecurity risks: CBDC can potentially be vulnerable to cyber attacks, which could lead to significant financial losses and disruption.
  4. Potential disruption of traditional banking: CBDC can potentially disrupt traditional banking systems, which could lead to job losses and financial instability.
  5. Adoption challenges: CBDC adoption may face resistance from people who prefer traditional forms of currency or who are unfamiliar with digital currencies.
  6. Operational risks: CBDC can potentially introduce operational risks, such as system failures or errors, that could result in financial losses.

In conclusion, CBDC has the potential to bring significant benefits to the financial system and economy of India, such as increased financial inclusion, reduced transaction costs, and improved monetary policy. However, there are also potential risks and challenges associated with its implementation, such as privacy concerns, technological challenges, and cybersecurity risks. Therefore, the RBI will need to carefully consider these pros and cons before making any decisions on the implementation of a CBDC.

How Neo-banks are defining the future of Banking:

Neo-banks, also known as digital banks or challenger banks, are financial institutions that operate entirely online without any physical branches. These banks are defining the future of banking in several ways. Here are some of the pros and cons of neo-banks:


  1. Convenience: Neo-banks offer 24/7 access to banking services through mobile apps, making it more convenient for customers to manage their finances anytime and anywhere.
  2. Lower fees: Neo-banks typically have lower fees and charges than traditional banks, making them a more affordable option for customers.
  3. Faster account opening: Neo-banks offer a quick and easy account opening process that can be completed entirely online in a matter of minutes.
  4. Innovative features: Neo-banks are known for offering innovative features such as budgeting tools, spending analysis, and personalized financial advice.
  5. Better customer experience: Neo-banks are focused on providing a seamless and user-friendly experience for customers, which can lead to higher customer satisfaction.
  6. Global accessibility: Neo-banks often offer multi-currency accounts and international money transfers, making them a convenient option for people who travel or have international financial needs.


  1. Limited product offerings: Neo-banks may have limited product offerings compared to traditional banks, such as fewer loan options or investment products.
  2. Limited services: Some neo-banks may not offer all the services that customers need, such as cash deposits or check writing.
  3. Less established: Neo-banks are often less established than traditional banks, which can lead to concerns about their stability and security.
  4. Security risks: As neo-banks operate entirely online, they may be more vulnerable to cyber threats and security breaches.
  5. Less personal touch: As neo-banks operate entirely online, they may lack the personal touch and face-to-face interaction that customers get from traditional banks.
  6. Limited regulatory oversight: As neo-banks are relatively new, there may be limited regulatory oversight compared to traditional banks, which could lead to potential risks for customers.

In conclusion, neo-banks offer several benefits such as convenience, lower fees, and innovative features. However, they also come with some limitations and risks, such as limited product offerings, security risks, and less regulatory oversight. As neo-banks continue to grow and evolve, they will need to address these challenges and concerns to ensure that they can provide a secure and reliable banking experience for their customers.

Significance of India holding the G20 Presidency 

India is set to hold the G20 presidency in 2023. The G20 is a group of the world’s 20 largest economies that work together to address global economic challenges. Here are some of the pros and cons of India holding the G20 presidency:


  1. Increased international influence: India holding the G20 presidency provides an opportunity for the country to increase its international influence and play a greater role in shaping global economic policy.
  2. Opportunities for economic growth: India’s participation in the G20 can help create opportunities for economic growth, as the country can work with other member nations to promote trade and investment.
  3. Addressing global challenges: India can use its position as G20 president to address global economic challenges, such as climate change, poverty, and inequality.
  4. Promotion of India’s culture and heritage: India can use the G20 presidency to promote its rich cultural heritage and showcase its strengths and achievements to the world.
  5. Increased collaboration with other countries: India can collaborate with other G20 member countries to share knowledge and expertise and address common challenges.


  1. Increased pressure and responsibility: Holding the G20 presidency comes with significant pressure and responsibility, as India will be expected to lead the group in addressing global economic challenges.
  2. Potential for conflict: India may face opposition or disagreement from other G20 member countries on certain issues, which could lead to conflict or disagreements.
  3. High costs: Hosting the G20 summit can be expensive, and India will need to invest significant resources in hosting the event.
  4. Limited resources: India may not have the resources or capacity to address all the economic challenges facing the G20, which could limit the country’s effectiveness as G20 president.
  5. Domestic political pressure: India’s G20 presidency may face domestic political pressure to prioritize certain issues, which could impact its ability to lead the group effectively.

In conclusion, India holding the G20 presidency presents both opportunities and challenges. While it can increase India’s international influence and promote economic growth, it also comes with significant pressure and responsibility, potential conflict, high costs, and domestic political pressure. India will need to carefully balance these pros and cons to effectively lead the G20 and address global economic challenges during its presidency.

E-Vehicles in India

Electric vehicles (EVs) are gaining popularity in India due to their potential to reduce pollution, improve fuel efficiency, and lower running costs. Here are some pros and cons of using e-vehicles in India:


  1. Reduced air pollution: EVs do not emit tailpipe pollutants, which can help reduce air pollution in cities and improve public health.
  2. Lower operating costs: EVs have lower operating costs than traditional gasoline vehicles, as electricity is cheaper than gasoline and EVs have fewer moving parts that require maintenance.
  3. Reduced dependence on foreign oil: India imports a significant amount of oil to meet its energy needs. EVs can help reduce India’s dependence on foreign oil and improve energy security.
  4. Better fuel efficiency: EVs have higher fuel efficiency than gasoline vehicles, as they convert more energy from the battery to the wheels.
  5. Government incentives: The Indian government offers various incentives, including tax breaks and subsidies, to encourage the adoption of EVs.


  1. High upfront costs: EVs are generally more expensive than gasoline vehicles due to the high cost of batteries and other components.
  2. Limited range: EVs have a limited range on a single charge, which can make long-distance travel difficult.
  3. Lack of charging infrastructure: The charging infrastructure for EVs is still developing in India and may not be easily accessible in some areas.
  4. Electricity generation: EVs may not be completely emission-free, as the electricity used to charge them is generated from a mix of sources, including coal-fired power plants.
  5. Battery disposal: EV batteries have a limited lifespan and require proper disposal, which can have environmental impacts.

In conclusion, EVs have several benefits, such as reducing air pollution, lowering operating costs, and improving fuel efficiency, but they also come with some challenges, such as high upfront costs, limited range, and lack of charging infrastructure. As India works to address these challenges, the adoption of EVs can contribute to a cleaner, more sustainable transportation system and reduce the country’s dependence on foreign oil.

How to reduce Carbon footprint

Reducing carbon footprint is crucial for mitigating the impact of climate change. Here are some pros and cons of reducing carbon footprint:


  1. Mitigate climate change: Reducing carbon footprint can mitigate climate change, which can have severe consequences on the planet, including extreme weather conditions, sea level rise, and biodiversity loss.
  2. Improve air quality: Many activities that contribute to carbon emissions also contribute to air pollution. By reducing carbon footprint, we can improve air quality, which can have significant health benefits.
  3. Energy efficiency: Reducing carbon footprint often involves increasing energy efficiency, which can save money on utility bills and reduce dependence on fossil fuels.
  4. Economic opportunities: The transition to a low-carbon economy can create new economic opportunities, such as new jobs and businesses in the renewable energy sector.
  5. International cooperation: Reducing carbon footprint requires international cooperation, which can foster global solidarity and peace.


  1. Economic costs: Reducing carbon footprint can be expensive, especially in the short term, as it often involves investing in new technologies or retrofitting existing infrastructure.
  2. Lifestyle changes: Reducing carbon footprint may require significant lifestyle changes, such as driving less or consuming less meat, which can be difficult for some individuals and communities.
  3. Inconvenience: Some measures to reduce carbon footprint, such as using public transportation or biking to work, can be less convenient than driving a car.
  4. Technological limitations: Some industries, such as aviation, may not have practical low-carbon alternatives yet, which can limit the ability to reduce carbon footprint.
  5. Global inequality: The burden of reducing carbon footprint may fall disproportionately on poorer countries, which have less capacity to invest in renewable energy or adapt to climate change.

In conclusion, reducing carbon footprint is crucial for mitigating climate change and improving environmental sustainability. However, it can be costly and may require significant lifestyle changes. It is important to balance the pros and cons and work towards a just and equitable transition to a low-carbon economy.

Challenges to the Indian Banking sector

The Indian banking sector is facing several challenges that are impacting its growth and stability. Here are some pros and cons of these challenges:


  1. Better risk management: The challenges faced by the Indian banking sector have forced banks to adopt better risk management practices, which can improve the overall stability of the banking sector.
  2. Enhanced regulation: The challenges have prompted regulators to adopt more stringent regulations, which can help prevent financial crises and protect consumers.
  3. Increased competition: The challenges have led to increased competition in the banking sector, which can lead to better products and services for customers.
  4. Digital transformation: The challenges have accelerated the digital transformation of the banking sector, which can improve efficiency, reduce costs, and increase financial inclusion.


  1. Non-performing assets: The Indian banking sector has a significant number of non-performing assets, which can impact the profitability and stability of banks.
  2. Capital inadequacy: Some banks in India have inadequate capital to absorb losses, which can make them vulnerable to financial shocks.
  3. Fraud and scams: The banking sector in India has been plagued by fraud and scams, which can damage public trust in the sector and impact financial stability.
  4. Poor governance: The governance structure of some banks in India has been criticized for being weak, which can lead to mismanagement and corruption.
  5. Economic slowdown: The economic slowdown in India has impacted the banking sector, as slower growth can lead to lower demand for credit and higher defaults on loans.

In conclusion, the challenges faced by the Indian banking sector have both pros and cons. While the challenges can lead to better risk management, enhanced regulation, increased competition, and digital transformation, they can also lead to non-performing assets, capital inadequacy, fraud and scams, poor governance, and economic slowdown. It is important for policymakers and regulators to address these challenges and create a stable and sustainable banking sector that can support economic growth and development in India.

Impact of 5G on the Global Economy

5G is the latest and fastest mobile network technology that promises to revolutionize the way we connect and communicate. Here are some pros and cons of the impact of 5G on the global economy:


  1. Improved connectivity: 5G promises to deliver faster and more reliable connectivity, which can improve productivity and efficiency in various industries, such as manufacturing, healthcare, and transportation.
  2. Increased innovation: 5G can enable the development of new technologies and applications that require high-speed, low-latency connectivity, such as autonomous vehicles, smart cities, and virtual reality.
  3. Economic growth: 5G can stimulate economic growth by creating new jobs, industries, and markets, as well as increasing productivity and innovation.
  4. Enhanced competitiveness: Countries that adopt 5G early can gain a competitive advantage over those that do not, as they can attract new investments, businesses, and talent.
  5. Improved quality of life: 5G can improve the quality of life by enabling new services and applications, such as telemedicine, remote education, and entertainment.


  1. Cost: The deployment of 5G infrastructure can be costly, especially in rural areas or developing countries that lack the necessary infrastructure.
  2. Security concerns: 5G can increase security risks, such as cyber attacks, as it enables more devices and systems to be connected to the internet.
  3. Privacy concerns: 5G can also raise privacy concerns, as it can enable more data to be collected, analyzed, and shared.
  4. Digital divide: The adoption of 5G can widen the digital divide between those who have access to high-speed connectivity and those who do not, especially in rural or underserved areas.
  5. Health concerns: Some people have raised health concerns about the potential effects of 5G radiation on human health, although most scientific studies have not found any conclusive evidence of harm.

In conclusion, the impact of 5G on the global economy has both pros and cons. While 5G can improve connectivity, increase innovation, stimulate economic growth, enhance competitiveness, and improve quality of life, it can also be costly, increase security and privacy risks, widen the digital divide, and raise health concerns. It is important for policymakers and stakeholders to address these challenges and ensure that the deployment of 5G is safe, secure, and equitable for all.

Inflation Impact on India

Inflation is a sustained increase in the general price level of goods and services over time. Here are some pros and cons of the impact of inflation on India:


  1. Boost to exports: Inflation can lead to a depreciation of the currency, which can make exports more competitive and boost demand for Indian goods and services in foreign markets.
  2. Increase in government revenue: Inflation can lead to an increase in tax revenue for the government, as the nominal value of taxes increases along with prices.
  3. Increase in investment: Inflation can encourage investment in productive assets, such as real estate, as investors seek to protect their wealth from inflation.
  4. Stimulus to economic growth: Moderate levels of inflation can stimulate economic growth by encouraging spending and investment, as people are motivated to spend or invest before prices increase further.


  1. Reduced purchasing power: Inflation can erode the purchasing power of people’s income, as the cost of goods and services increases faster than income.
  2. Increase in cost of borrowing: Inflation can lead to an increase in interest rates, which can increase the cost of borrowing and reduce investment and consumption.
  3. Reduced international competitiveness: High levels of inflation can reduce the competitiveness of Indian exports in foreign markets, as the cost of Indian goods and services increases relative to those of other countries.
  4. Negative impact on the poor: Inflation can have a disproportionate impact on the poor, who may not have the means to cope with rising prices, leading to a decline in their standard of living.
  5. Uncertainty and instability: High levels of inflation can create uncertainty and instability in the economy, making it difficult for businesses to plan and make investment decisions.

In conclusion, the impact of inflation on India has both pros and cons. While inflation can boost exports, increase government revenue, stimulate economic growth, and encourage investment, it can also reduce purchasing power, increase the cost of borrowing, reduce international competitiveness, have a negative impact on the poor, and create uncertainty and instability in the economy. It is important for policymakers to maintain a balance between the benefits and costs of inflation and adopt appropriate measures to manage inflation and maintain macroeconomic stability.

General Tips for SBI PO Group Discussion:

Here are some general tips on how you can perform in a group discussion round.

  1. Understand the Topic: Make sure you have understood the topic of discussion clearly. Read the topic carefully and try to understand the underlying theme and key points.
  2. Analyze the Topic: Before expressing your opinion, try to analyze the topic from different angles. Consider the pros and cons of the topic and think of some valid arguments.
  3. Be Confident: Confidence is key in group discussions. Be confident in your opinions and express them clearly and concisely. Speak clearly and with conviction.
  4. Listen Carefully: Listening to others is equally important as expressing your own views. Listen to what others have to say and try to build upon their ideas. This shows that you are a good listener and can work collaboratively in a team.
  5. Speak Clearly and Concisely: Make sure you articulate your thoughts clearly and concisely. Use simple language and avoid using jargon or technical terms that others may not understand.
  6. Stick to the Topic: Stay on topic and avoid going off on tangents. It’s important to focus on the topic at hand and keep the discussion moving forward.
  7. Be Respectful: Respect the opinions of others and avoid interrupting them. Remember that everyone has the right to express their opinion.
  8. Be Prepared: Prepare well for the group discussion. Read newspapers, magazines, and other relevant material to enhance your knowledge about different topics.
  9. Practice Active Listening: Active listening involves paying attention to what others are saying, asking questions, and seeking clarification. This helps to build a healthy discussion and shows that you are actively engaged in the process.
  10. Avoid Dominating the Discussion: Don’t dominate the discussion. Allow others to express their opinions and ideas. This shows that you are a good team player and can work collaboratively with others.

I hope this blog will help you in preparation for the SBI PO Group discussion. We have SBI PO Group Discussion Important Topics, a few details on each topic, and tips for GD. Good luck!

Frequently Asked Questions:

How to prepare for group discussion for SBI PO?

Its very simple Understand the topic, Gather information, Improve communication skills, Stay calm.

Is there a Group discussion round in SBI PO?

Yes there will be an group discussion round in SBI PO.

What is SBI PO Group discussion important topics?

Topics for GD could be Factual from day to day issues, past trends, facts & figures; Political; or any Abstract topic.

Is the SBI PO Group discussion difficult?

In reality, the SBI PO group discussion is not so tough.


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