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Aavas Financiers
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I applied via Referral and was interviewed in Jun 2022. There was 1 interview round.
HL stands for Home Loan and LAP stands for Loan Against Property.
HL is a type of loan specifically for purchasing a home or property.
LAP is a loan where a property is mortgaged to secure a loan for various purposes.
HL typically has lower interest rates compared to LAP.
LAP allows borrowers to leverage the value of their property for additional funds.
Both HL and LAP require thorough evaluation of the borrower's creditwor
I applied via Walk-in and was interviewed in May 2024. There was 1 interview round.
Aavas Financiers interview questions for popular designations
I was interviewed in Aug 2024.
Get interview-ready with Top Aavas Financiers Interview Questions
I applied via Recruitment Consulltant
FOIR can be settled by ensuring the borrower's total fixed obligations do not exceed a certain percentage of their income.
Calculate the borrower's total fixed obligations, including existing loan EMIs, rent, and other fixed expenses.
Calculate the borrower's income, including salary, rental income, and any other sources of income.
Divide the total fixed obligations by the borrower's income to get the FOIR.
Ensure the FOIR...
The work of the credit team is to provide loan after doing income analytics after studying the case and whether EMI can be given to the customer and my work in case study is to find out by doing local inquiry whether the customer is showing fake business or not and in sales, I keep getting to know what is the problem in the case
I come from a supportive family that values education, which has shaped my personal and professional growth.
My parents emphasized the importance of education, leading me to pursue a degree in Business Administration.
I have two siblings; we often collaborate on projects, enhancing our teamwork skills.
Family gatherings are frequent, fostering strong communication and relationship-building skills.
My father is a banker, wh...
I was interviewed in Aug 2024.
I am a highly motivated and results-driven telesales executive with a proven track record of exceeding sales targets.
I have X years of experience in telesales, consistently meeting and exceeding sales targets.
I am skilled in cold calling, lead generation, and closing deals over the phone.
I have a strong understanding of sales techniques and customer relationship management.
I am a team player and thrive in a fast-paced,...
A home loan is a type of loan taken from a financial institution to purchase or renovate a home.
A home loan is a type of secured loan where the property being purchased or renovated is used as collateral.
The borrower repays the loan amount plus interest over a set period of time, usually in monthly installments.
Home loans can have fixed or adjustable interest rates.
Defaulting on a home loan can result in foreclosure, w...
I applied via Referral and was interviewed before Nov 2023. There was 1 interview round.
Income assessment is a crucial part of my role as a Branch Credit Manager.
I assess income through pay stubs, tax returns, bank statements, and employment verification.
I analyze the consistency and stability of income to determine creditworthiness.
I consider sources of income, such as salary, bonuses, commissions, and rental income.
I calculate debt-to-income ratios to assess the borrower's ability to repay loans.
I may a...
Assessing income of a Vada Pav vendor involves evaluating daily sales, expenses, location, customer base, and competition.
Calculate average daily sales by observing customer traffic and pricing.
Consider expenses such as ingredients, rent, utilities, and labor costs.
Evaluate the location's foot traffic and potential for growth.
Assess the vendor's customer base and loyalty.
Analyze competition in the area and pricing stra...
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The duration of Aavas Financiers interview process can vary, but typically it takes about less than 2 weeks to complete.
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Credit Manager
291
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Branch Head
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Business Manager
231
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Relationship Officer
227
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Disbursement Officer
225
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