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My Road to SBI PO : How I cracked one of India’s toughest exams in less than 6 months Part 1 of 7

by | Apr 1, 2018 | SBI PO

If you appeared for the SBI PO exam in 2016 you would be competing against 17 Lakh aspirants who wrote the exam hoping to land a seat at India’s biggest and only Fortune 500 Bank. After a rigorous exam consisting of multiple hurdles and stages spread over many months, 2004 candidates made it through. Yes, if you were selected, you would be among the top 0.1% of all candidates who wrote the exam. If you were a General Category aspirant like me then your odds of making it stood at 0.05%. Even though the post had advertised for 2200 vacancies, they ended up taking in only 2004 – just like everything else about the exam, unexpected surprises prevailed.

Why Now?

A lot has changed since 2016 but the landscape of banking exams in India has only gotten more complicated. Much akin to the state of most Public Sector Banks riddled with NPAs, the PSB recruitment experience has developed a rot which is eating away at the dreams and aspirations of the young Indian. I am disconcerted by the fact that there exists an enormous information asymmetry- the newly minted graduates and unsuspecting dreamy eyed aspirants are lured by promises of exceptional results and coerced into buying heavily overpriced courses and run of the mill mock tests. From the tall talk of people who never wrote the exams peddling your courses to snake oil salesmen who promise instant results by selling you some magic “materials” –there is no dearth of misinformation and misguidance swirling in the competitive exam market. I was inundated by queries from friends and acquaintances and was astonished at how dead wrong most were about the entire process. I kept correcting and leading them down the right track but on a one-to-one basis I can only do so much. That’s where the idea of blogging about my experience took shape and I figured now is as good a time as any. This blog series is an attempt to get you all the information you need right from the horse’s mouth. Through the 7 parts of this blog series my goal is to help you make sense of the bank exam conundrum. I write about the experience from an SBI perspective but you can correlate the same to IBPS and most other competitive exams. And no, my advice isn’t hidden behind a paywall and I encourage you to share all that I share with you. So, in time, we can empower every young Indian with the information they need to embark upon their own journey.

But isn’t coaching necessary?

NO. I haven’t enrolled into any coaching class to crack this exam and neither should you. If you feel that coaching is necessary to keep you motivated and on track then please stop reading further. You won’t make it into a bank if you don’t know how to self motivate(More on that later). I have met numerous SBI POs and a substantially high number of them didn’t take any coaching classes. Infact, if you ask most of these POs they would reveal that not having studied in any coaching classes has been the secret to their success. Sounds counter-intuitive? Don’t worry, I’ll explain why in a moment. For now, just remember that not going for a coaching class can be a secret weapon. However, that said, its important to note that almost all of the POs I met, including me, have taken a myriad number of mock tests offered by different institutes to hone our skills and compare our standing amongst the wider populace. This is because you need a benchmark of your performance. What matters is not how good you are individually but how much better you are than your competition.

So what DO I need ?

That’s what I’m here to tell you. Through this 7 part series of blog articles I will explain to you, in depth, the entire methodology with which I had approached this exam. I will tell you which books and test series I referred to and how I kept myself motivated. I will share with you tips on how you can effectively increase your performance to

if you ask most of these POs they would reveal that not having studied in any coaching classes has been the secret to their success

reach the elite tier that is necessary to crack this exam. If you are a serious aspirant then by now you must have heard about the 2 key words in banking exam preparation – speed and accuracy. You might have listened to many debates regarding which one is more important. I’ll give it to you straight- it’s accuracy. It should be common sense, but unfortunately, its not. I have seen so many people who go into the exam with a mental image of x marks to be attempted in reasoning, y to be attempted in Maths. In the end, they fall short by a huge margin because of this mental block. Mental agility is so very crucial to your success. You feel like you can solve that problem, you know you’re close and yet… Bam! 15 minutes blown away and you’re out of the race. Yes, this is where the “deconcentration” ability will come in handy. When you need to move your mind from out of that problem and realize that there are easy pickings out there. Always, and I repeat- ALWAYS go after low hanging fruit first. Typically 30% of the exam is easy. It’s the race to find those 30% where people stumble. Remember: There are no prizes for correct attempts. The only prizes are for correct answers. 

Why you need to hustle if you’re a banking aspirant

Hustle. Such a simple word. Such an important word. As you read this article Machines are getting better and better. I have friends who are working on AI and Machine Learning and what they tell me truly is unsettling. Did you know that in early 2017 Bank of America opened a branch without employees? Just imagine where automation will take us in 5 years from now. 10 years from now, will banks operate in the same inefficient manner by holding on to staff? Or will pink slips be the order of the day? Last year State Bank MD Shri Rajnish Kumar stated that SBI will reduce 10% staff by 2019 . The same article I linked to states that SBI will reduce hiring by 50%. Time is running out. You need to take action right now if you want to enter the banking industry. And, to top it off you need to learn skills that machines cannot replace fast enough. Many will read these news items and panic. But if you are truly determined you only need to remember 1 thing: Clichéd as it may sound, You only need one seat.

Which Materials to study? Which social media groups to join?

SBI PO Study groups are a dime a dozen these days. WhatsApp, Telegram, Facebook-you name it, they’re on it. The chatter on these groups is unbelievable. Add to that that the daily MCQ PDFs, the Current Affairs PDFs and heck, people even spam the groups for The Hindu PDFs! If I had to take a wild guess, I’d say 10% to 20% of your time is spent on keeping up with the notifications on the multitude of apps you have on your phone. Let me tell you something you already know- You will NEVER cover so many PDFs and study materials. Keep your study materials limited and use the time thus saved to do some actual studying. Invest in time. Its the most precious resource we have in this world. Social media is useless till you reach the Interview Stage. You can worry about that when you reach that stage. Meanwhile I suggest you exit those “prep” groups. Subsequent parts of this series will cover when exactly you will need the help of others except yourself to leverage yourself to the next level.

What if I don’t have a job yet? Should I settle?

I’ve been where you are. I was without a job for 6 months after leaving the IT sector. Unemployment sucks. But there’s 2 sides to every coin- If you don’t have a job then you have what many others are lacking- TIME. Now what you do with that time is up to you. You may whittle it away on Netflix binges and squabble over Game of Thrones theories with your friends. Or, you can strategize. For instance, if you’re preparing without a job, my advice would be to throw the net far and wide and avoid putting all your eggs into 1 basket. That’s precisely what my strategy was as I appeared for every single exam that I could find. I especially targeted exams conducted by IBPS as they conduct the SBI exam as well. It helped me gain a lot of confidence with the interface and I was pleasantly surprised to see a few repeated MCQs as well. Be warned though: while you do this you must never lose focus of your end goal- that single “dream” exam that you wish to crack with your heart and soul – that dream job for me was the coveted post of SBI PO and all of the other preparation was centred around it.

Some Exams I appeared for in 2016 (in total I attempted over 16 exams that year):

  • GIC Re
  • LIC AAO
  • NABARD
  • Bank of Baroda
  • AAI
  • RBI Grade B
  • SBI PO
  • SBI Clerk
  • SBI Youth For India Fellowship
  • UBI PO
  • UIIC

The path was not easy. It never is. I’ve had my share of failures in bank exams and in other departments of life. But failure simply means one way which doesn’t work. There are a million others that do. Find one that works for you.

On Motivation

Let me repeat what I already told you: if you cannot self motivate then you should forget about SBI PO right now. Achieving any big feat in life needs a self determination that is unassailable. So you didn’t qualify anything till now. You might have lost in life. You might be in a dark place. Know something? Society doesn’t care. Your mom and dad care. Maybe your siblings care. That’s it.

“He who says he can and he who says he can’t are both usually right”
-Confucius

Think about your life for a moment. Close your eyes. Can you see the sacrifices that your dad made for you? The days when you were partying with your friends and he was working till late into the night, hoping that he could give his child the future he never had? Do you know how many tears your mother had to shed to raise you? And yet she never told you what she was going through. She would hear all your stories and all the time you cribbed. Don’t you want to see your mom and dad happy? Don’t you burn with the fire to give them a life beyond their wildest imagination? Do you believe you have what it takes? Well then, what are you waiting for?

Finding your WHY

Why do you want to get into SBI? Unless you have a rock solid “why” you will not persist in the times of extreme challenge. What’s more, a lucidly articulated “why” will work wonders for you during the interview phase. I will tell you my “why” and I hope that it will help you find yours. After graduating from college I secured a job in TCS via the campus placements. Let me make this clear. TCS is an amazing company. Even though TCS was late to the IT party(Infosys had already gained a foothold in the industry) they took the nation by storm once they entered the fray and under the aegis of the legendary chairman S Ramadorai they showed what the Tata brand stands for and to this date remain the top IT company in India. Towards the end of 2015 I took a long hard look at my career and my future in the company. No doubt that the company had blessed me with amazing colleagues, friends and prospective international assignments. However I could not see a future for myself in the IT services industry and wanted to explore a different path. On March 31st 2016 I resigned from TCS and set out, not knowing where I wanted to end up. I had very less inkling as to what I wanted to do but I knew that I had a passion for finance even though my qualifications did not state the fact. I searched for freelance work and found a startup that needed to launch it’s web portfolio. It was a good fit for the skills I possessed and I jumped on board. Meanwhile, I began to look for career options which would help me launch my financial career.

There are no prizes for correct attempts. The only prizes are for correct answers.

At this time I began to develop an interest in bank exams. I researched a lot into the openings of many of the Public Sector Banks and found to my surprise that one didn’t need to have a finance background to get into these banks and I immediately decided to pursue these exams. I felt like I needed a goal and what better goal than to join the biggest bank of India? So I decided at that moment to become an SBI PO. It was a tough goal to strive for in the limited time that I had but without setting high standards for myself I wouldnt get anywhere. If you’re not dreaming big enough, why are you even dreaming in the first place?

So tell me the dos and the don’ts

Simple enough. People these days have habitually adapted to a low attention span. So in case you skimmed over the last section, here’s what you need to remember if your goal is to get into a bank this year.

R

Mock Tests

Quite Possibly one of the most vital components of your prep.
R

Daily Inspiration

Prelims, Mains, GD, PI – the road is long, keep the fuel handy.
R

Deconcentration ability

You know you can solve it. Today is not the day you prove it.
R

Hustle

Life is short. Bank exams are many. Make it happen.
Q

Coaching Classes

Save your time. Save your money. Stay the hell away.
Q

The incessant hunt for "Study Materials"

You’ll never read all those PDFs you download daily. Stop it.
Q

Constant Hyperconnectedness

Today you joined the 99th “SBI PO” prep group on Whatsapp
Q

Manic focus on "number of attempts"

Attempts are relative. Excellence is permanent. Your choice.

Why NOT joining coaching classes can give you a comparative advantage

I told you I’ll come to this didn’t I? See! you can trust me. The year 2016 marked a distinctive shift in the SBI PO examination pattern. In 2016 the Prelims were easy enough and everyone was lulled into a false sense of security. Mains would be like 2016 as well, they all said. Boy, were they wrong! Reasoning and Maths were diabolical. For the first time in SBI PO history candidates had to leave many English paper questions because they were simply too tough. Think you know English? Wait till you sit for SBI PO mains. The aggregate time and number of questions were also changed and the revamped exam was the one that was administered for 2017. However, in the 2017 edition SBI removed the sectional cutoffs which stirred up a hornet’s nest of controversies(something that I discuss in part 7 of this series). This is why you need to avoid coaching. Usually coaching class “faculty” are extremely sure about the exam trends. You’ll notice what I’m talking about if you see their videos on YouTube and the way they promote their material. They establish certain norms in the minds of the examinees  SBI defied all those norms. Coaching class students had to struggle so much to unlearn what they were told to clear the exam- since the “expert” faculty of these classes had conditioned them to approach the exam a certain way. If you don’t go for coaching, you go with a clean slate. The current SBI PO exam is far too dynamic and novel to be qualified by coaching. And remember this: Blaming the system or filing cases will not solve the issue at hand- the competition is far too fierce and the landscape of banking exams far too complicated for IBPS to risk sticking to a predetermined pattern. Change is good. It gives everyone a shot to clear the exam. Learn to use change and catapult yourself to success.

The Road Ahead

It has been almost 2 years since I wrote the exam and as I look back upon it I feel extremely priviledged and gratified by my journey so far. SBI has taken a city boy and flung him totally out of his comfort zone giving him oodles of life experiences that he’ll forever cherish. In a little over 1 year since I joined the bank I have travelled across 10 states and been to over 50 cities- a running joke among the newly recruited POs being that SBI had taken inspiration from UPSC and organized its own mini “Bharat Darshan”. And indeed it did-through my institutional and on job training I have been blessed with friends from all over India- Travelling and socializing with people of my age hailing from all over India has been an eye opener- my world, which was once limited to the comfy confines of the City of Joy has radically transformed. You must have heard the adage- travel broadens your mind. To experience that in person- now that’s a revelation! I’d always believed that in India we were living in discretely segregated silos with vast differences among us but travel made me realize the fact that despite all our differences, we are quintessentially Indian at heart. And no matter where you go in India you can expect to find yourself sipping a cup of chai as you engage in verbal vollies with die hard cricket fanatics!

Enjoy a few photos of the moments that SBI has brought to me. I continue my story in Part 2 of this series and I hope you will join me. Subscribe to Supriyo Panda’s Newsletter!

Supriyo Panda
Originally from the City of Joy, now reside in Karnataka. Bengali by heart,  Indian by choice. My love for writing is rivalled by my love for finance, economics, technology and business. Connect with me on Facebook

Supriyo Panda

Originally from the City of Joy, now reside in Karnataka. Bengali by heart,  Indian by choice. My love for writing is rivalled by my love for finance, economics, technology and business. Connect with me on Facebook