10+ TVS Upasana Engineering Interview Questions and Answers

Mutual funds are investment vehicles that pool money from multiple investors to invest in stocks, bonds, or other assets.

• Entry load is a fee charged by mutual funds when an investor buys into the fund, while exit load is a fee charged when an investor sells their shares.

• Equity mutual funds are taxed at 15% for short-term capital gains (investments held for less than a year) and 10% for long-term capital gains (investments held for more than a year).

• Debt mutual funds are taxed...read more

PE ratio is a financial metric used to evaluate the relative value of a company's stock.

• PE ratio stands for Price-to-Earnings ratio

• It is calculated by dividing the current market price of a stock by its earnings per share (EPS)

• It helps investors determine if a stock is overvalued or undervalued compared to its peers

• A high PE ratio may indicate that a stock is overvalued, while a low PE ratio may indicate that it is undervalued

• Different industries may have different average PE...read more

Bajaj Capital is a financial services company offering investment and wealth management solutions.

• Founded in 1964 by Kamalnayan Bajaj

• Offers services like mutual funds, insurance, bonds, and more

• Has a network of over 150 branches across India

• Received numerous awards for excellence in financial services

Voice process in insurance involves handling customer queries and claims over the phone.

• Voice process is a customer service channel where clients interact with representatives over the phone

• In insurance, voice process involves handling queries related to policy coverage, claims, and premiums

• Representatives need to have good communication skills and knowledge of insurance policies and procedures

• Voice process also involves documenting customer interactions and updating policy i...read more

Fire & GMC are safety protocols. Fire is for emergency evacuation and GMC is for medical emergencies.

• Fire protocol includes identifying exits, evacuation routes, and designated meeting points.

• GMC protocol involves identifying first aid kits, AEDs, and trained personnel.

• Example: During a fire drill, employees should follow the fire protocol and evacuate the building using the designated routes and meeting at the designated point.

• Example: In case of a medical emergency, employe...read more

I am available to work flexible timings based on the needs of the clients and the company.

• I am willing to work early mornings or late evenings if required.

• I can adjust my schedule to accommodate meetings with clients in different time zones.

• I am open to discussing and finalizing suitable timings with my manager to ensure smooth client interactions.

Life insurance is a contract between an individual and an insurance company, providing financial protection to the individual's beneficiaries upon their death.

• Life insurance is a form of risk management that pays out a sum of money upon the insured person's death.

• It provides financial security and support to the insured person's family or beneficiaries.

• Premiums are paid by the insured person regularly, and in return, the insurance company promises to pay a death benefit to th...read more

Underwriting side of GI involves assessing risks and determining premiums for insurance policies.

• Underwriters evaluate applications and medical records to determine the level of risk associated with insuring an individual or group.

• They use actuarial tables and statistical analysis to determine appropriate premiums.

• Underwriters also work closely with agents and brokers to ensure policies are properly written and issued.

• Examples of underwriting in GI include life insurance, dis...read more

There are many types of insurance, including life, health, auto, home, and business insurance.

• Life insurance

• Health insurance

• Auto insurance

• Home insurance

• Business insurance

Bajaj Capital offers a range of financial services including investment advisory, wealth management, insurance, and tax planning.

• Investment advisory services

• Wealth management services

• Insurance services

• Tax planning services

Insurance is a contract between an individual and an insurance company to protect against financial loss.

• Insurance provides financial protection against unexpected events such as accidents, illnesses, and natural disasters.

• There are different types of insurance such as life insurance, health insurance, auto insurance, and home insurance.

• Insurance premiums are paid regularly to the insurance company in exchange for coverage.

• The amount of coverage and premiums depend on various...read more

Insurance is a contract between an individual and an insurance company to protect against financial loss.

• Insurance provides financial protection against unexpected events such as accidents, illnesses, and natural disasters.

• The individual pays a premium to the insurance company in exchange for coverage.

• The insurance company pools the premiums of many individuals to pay for claims made by those who experience a covered event.

• Types of insurance include health, life, auto, home, ...read more