The candidates who have qualified for the IOB LBO online examination are called to attend the interview. In this article, we have shared a real IOB LBO Interview Experience from candidates who attended the interview held from 8th December to 15th December 2025. Based on the insights received from candidates who participated in the interview, we have shared the IOB LBO Interview Experience 2026. Referring to the interview experiences of candidates will give candidates likely to appear in upcoming interviews a good idea of the question trends and topics asked.  Every candidate has a unique experience in the IOB LBO Interview. Below, we have shared an IOB LBO Interview experience from candidates who have appeared for the IOB LBO interview. 

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IOB LBO Interview Experience 2026

Let’s review the IOB LBO interview experiences shared by the candidates below.

Name: Jhansirani Ekojirao
Interview Date: 10 December 2025
Venue: Chennai
Slot Timing: 8:30 AM

Panel Number: 5

Questions Asked in the IOB LBO Interview 2025

1. Can you give a brief self-introduction?

2. What is the meaning of your name?

3. What is special about your hometown?

4. What are the major crops cultivated in your hometown?

5. What is the main water source for irrigation in your area?

6. What are NRI, NRO, NRE, and FCNR accounts?

7. What is the difference between Cash Credit and Overdraft?

8. What is the difference between Loans and Advances?

     9. Who is the current RBI Governor?

Name:Sundaresan K
Interview Date:11 December 2025
Venue: Chennai
Slot:8:30 AM 

Panel Number: 1

Questions Asked in the IOB LBO Interview 2025

Self & Background

• Can you give a brief self-introduction?

• What are the major economic activities in your area?

Banking Awareness

• What is banking?

• What is Priority Sector Lending (PSL)?

• What is the full form of BCSBI?

• What is the definition of a Demand Deposit?

• Difference between Demand Deposits and Term Deposits?

General/Technical Awareness

• What is SEO?

• What is the full form of SEO?

Interview Date:12 December 2025
Slot:8:30 AM 

Panel Number: 2

• Can you give a brief self-introduction?

• Tell me about your Native

• About Financial Inclusion

• Questions related to  Shortcut keys, eg, Ctrl + S, Cut, and Paste 

• Permutations & Combinations related questions

• What are the Types of Accounts?

• Questions related to NBFC

• What is Cash credit?

• Questions related to the CASA ratio

Interview Date: 12 December 2025

Panel Number: 3

•  Native district collector name

• About GIFT City

• How did the bank provide for import and export?

• The panel gives a newspaper to the candidate and asks him/her to read it to check their Tamil fluency

• Tell me about your strengths and weaknesses

• Questions about the family members

• Name any five rivers in TN

• How many nominees for the deposit?

• What influences the interest rate?

Interview Date: 12 December 2025

Panel Number: 3

Slot:8:30 AM 

• Where are you coming from?
  

• About Family background?
  

• What do you mean by a balance sheet and its contents?
  

• As I am a commerce student, I was asked about the break-even point, fixed cost, and variable cost 
  

• What do u mean by E-commerce?
  

• Difference between po and lbo
  

• About the LBO job role 
  

• How did you handle an angry and irritating customer?
  

• What is the Cybersecurity helpline number?
  

• What is your native place?
  

Interview Date: 11.12.25
Slot: 1 pm
Panel Number: 3

• Why banking? (Mechanical background)
  

• What is the maximum loan you give to people?
  

• Why do people prefer public sector banks over private sector banks?
  

• Criteria for the weaker section
  

• About the Priority Sectors
  

• What is your native place?

Interview Date: 11.12.25
Slot: 1 pm
Panel Number: 1

• Self-introduction and hobbies
  

• Questions about RERA, CREDAI (since I'm a civil engineering graduate)

• About NPA, DRT
  

• Credit rating agencies-related questions.
  

• Explain the Vehicle Scrappage Policy
  

• Explain the Sugar mills in Madurai (since Madurai is my native)
  

• Expenses to the bank

• Situation-based questions

Interview Date: 11.12.25
Slot: 8:30 AM
Panel Number: 4

• About the native place
  

• About the degree course
  

• Questions related to Digital banking
  

• About IOB

• Language - Tamil

Interview Date: 11.12.25
Panel Number: 5

• Tell me about yourself

• About your native place
  

• Questions related to the Core subject which is pursued in college
  

• About my Work experience
  

• Why a career gap?
  

• Questions related to NRE, NRO, FCNR

• SOVEREIGN GOLD BOND-based questions

Interview Date: 11.12.25
Panel Number: 4

• Tell me about yourself
  

• Name meaning
  

• Tell me about your hometown
  

• IOB's first branch
  

• About IOB
  

• About Nomination
  

• Questions about credit and debit cards

• Which bank do you hold an account with?

Interview Date: 11.12.25
Panel Number: 3

• About my Name and its meaning
  

• About native,
  

• About the final year project
  

• About financial inclusion in rural areas,
  

• Banking services other than deposits and loans,
  

• About Aadhaar authentication,

• Questions about business correspondence

Interview Date: 9.12.25
Panel Number: 1

Slot: 1:00 pm

• Self-introduction about my year gap, about my native place, famous science-related place in my district
  

• Documents needed to open a savings account+APY(Atal Pension Yojana)

• What are the digital methods used in banking?
  

•  What is the difference between a P&L account and a balance sheet?

• What is the difference between capital expenditure and revenue expenditure?

• Questions related to  ⁠Social Security schemes

• PMJJBY, PMSBY related questions

Interview Date: 10.12.25
Panel Number: 1

• Self introduction
  

• Types of banks
  

• Explain the RBI's role
  

• Inflation-related questions
  

• About my Family background
  

• Rajya Sabha, Lok Sabha opposition leader
  

• Where are you holding the account?

• When did you visit the bank, and for what?

Interview Date: 9.12.25
Panel Number: 4

Slot: 8:30 am

• Questions related to Low cap, upper cap
  

• About the Cropping season and its examples
  

• About the Gestation period
  

• Questions related to Farm mechanisation
  

• How did you perform Customer service 
  

• About the Agriculture loan
  

• Crop insurance-related questions

• What documents are required for opening an account?

• About Family background

• Tell me about the Threshold limit 

Interview Date: 9.12.25
Panel Number: 4

Slot: 1:00 pm

• My Name and its  meaning
  

• Who is the  chairman, MD & ceo, ED of LBO

• How many IOB branches are in Coimbatore?

Panel Number: 5

Slot: 8:30 am

• Self introduction
  

• Meaning of my name
  

• Hometown-related questions
  

• What are the Crops cultivated in your hometown?
  

• Water source for irrigation
  

• NRI-NRO, NRE, FCNR accounts-related questions
  

•  The difference between a cash credit and OD
  

• The difference between Loans and advances 
  

• Who's the RBI governor?

Panel Number: 2

Slot: 8:30 am

• Questions related to ⁠Work experience

• Native place - What is famous in your native place?

• About my ⁠family background

• Questions related to ⁠Priority sector lending

Interview Date: 9.12.25

Panel Number: 2

Slot: 8:30 am

• Self-introduction has not been asked for by the panel
  

• Current affairs-related questions

• Questions related to general topics
  

• Banking awareness-related questions

• RBI functions, Monetary policy, and inflation-related questions.
  

• Personal questions about family, hometown, my college and my college town, and about the Tamil language because I mentioned that Tamil is my favourite language

Name: Swetha Kamalanathan

Interview Date: 10.12.25

Panel Number: 3

• Tell me about yourself

• The candidate has done B.Com. The panel raised questions related to her educational background

• Questions related to my hometown

• Questions related to my previous work experience 

• Tell me about IOB

• For this candidate, there is no single question from banking/schemes.

Name: Nithilaravi:
Interview Date:12/12/25

Panel Number:1

• Did I read a paper, and in what form, physical or digital?

• About the Vande Mataram issue?

• What is the full form of SIR?

• The candidates have done the civil. The panel asked the question about the Pamban Bridge.

• What is the full form of Deaf?

• What is the full form of DICGC?

•  Repo rate-related questions

• Who is the Chairperson of the I.O.B.?

• What is a bill?

• About my father?

• Since I told them I worked as a trainer, they asked about communication skills.

Name: Richard
Interview Date:12/12/25

• Name two regulatory bodies

• Which act governs MSMEs in India?

• Name the full form of DEAF, DICGC, and CGTMSE

• Name the organisation that provides insurance like DICGC?

• Name some products of IOB and the latest performance of the bank?

• What is the Mahila Saving Certificate Scheme?

• What is Financial inclusion?

• What is the Repo rate?

• Why did you choose banking as a career?

Name: Sandhiya
Interview Date:12/12/25

Panel Number:5

• Tell me about yourself

• Tell me about our land and the native people

• About Plane geometry and solid geometry; examples for 0-3-dimensional shapes

• Questions related to NBFC 

• Questions related to NRI 

• NRE, NRO, whether the money in the NRE account is transferred abroad 

• Who won the ICC Women's World Cup and how many times?

• Financial inclusion, a scheme related to the questions

• The interview was held in both Tamil and English

Name: Arthi
Interview Date:12/12/25

Panel Number:2

• Self introduction

• About my Gap year justification (as I graduated in 2017)

• About IOB

• Questions related to Net interest margin.

• Atal Pension Yojana-related questions.

• About the National Pension Scheme.

• Asked where I have a bank account. 

• About the IOB app

• Sovereign Gold Bond-related questions

• Why do they stop SGB temporarily?

• What is Today's gold price?

• The interview was held in both Tamil and English

FAQs

Q. When was the IOB LBO interview conducted?
Candidates reported that the IOB LBO interview was held from 8th December to 15th December 2025.

Q. Do all candidates have the same interview experience?
No, each candidate has a unique interview experience based on the panel, background, and question flow.

Q. Is the interview experience shared by actual candidates?
Yes, the article includes real interview experiences shared by candidates who actually attended the IOB LBO interview during the specified dates.