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Bajaj Capital Relationship Manager Interview Questions and Answers

Updated 19 Aug 2024

Q1. How many existing clients data base

Ans.

I currently manage a database of 150 existing clients.

  • I have experience managing and updating client databases

  • I prioritize accuracy and organization in maintaining client information

  • I am able to effectively communicate with clients to gather necessary information

  • Examples of clients I have worked with include small businesses, non-profits, and individual investors

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Q2. Why you should invest money in Mutual Funds?

Ans.

Mutual funds offer diversification, professional management, and potential for higher returns compared to individual stock picking.

  • Diversification: Mutual funds invest in a variety of assets, reducing risk compared to investing in individual stocks.

  • Professional management: Fund managers make investment decisions on behalf of investors, leveraging their expertise and research.

  • Potential for higher returns: Mutual funds have the potential to outperform individual stock picks due...read more

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Q3. What is Mutual Funds in layman Language?

Ans.

Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of securities.

  • Mutual funds are managed by professional fund managers who make investment decisions on behalf of the investors.

  • Investors can buy units of mutual funds, which represent a portion of the holdings of the fund.

  • Mutual funds offer diversification, liquidity, and professional management to investors.

  • Types of mutual funds include equity funds, bond funds, m...read more

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Q4. What is Insurance & type of Insurance?

Ans.

Insurance is a financial product that provides protection against financial losses. There are various types of insurance available.

  • Insurance is a contract between the insured (policyholder) and the insurer (insurance company).

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

  • Insurance premiums are paid by the insured in exchange for coverage against specified risks.

  • Insurance helps individuals and businesses manage risk and p...read more

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Q5. How will you make a financial plan of a client

Ans.

To make a financial plan for a client, I would assess their financial goals, income, expenses, assets, liabilities, risk tolerance, and time horizon.

  • Start by understanding the client's financial goals and objectives

  • Gather information on the client's income, expenses, assets, and liabilities

  • Assess the client's risk tolerance and time horizon for investing

  • Develop a customized financial plan that aligns with the client's goals and risk profile

  • Regularly review and update the fina...read more

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Q6. what is client protofolio.

Ans.

A client portfolio refers to a collection of clients and their associated accounts or investments managed by a relationship manager.

  • It includes information about the clients' financial goals, risk tolerance, and investment preferences.

  • The portfolio may consist of various types of accounts such as individual, joint, corporate, or trust accounts.

  • Relationship managers use the client portfolio to provide personalized financial advice and services.

  • They monitor the performance of t...read more

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Q7. How Mutual Funds Taxation Works

Ans.

Mutual funds taxation involves capital gains tax on profits from selling investments within the fund.

  • Mutual funds are subject to capital gains tax when investments are sold for a profit

  • Taxation varies based on the type of mutual fund (equity, debt, hybrid)

  • Long-term capital gains tax is applicable if investments are held for more than 1 year

  • Short-term capital gains tax is applicable if investments are held for less than 1 year

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Q8. Types of Mutual Funds?

Ans.

Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of securities.

  • Types of mutual funds include equity funds, bond funds, money market funds, and balanced funds.

  • Equity funds invest in stocks, bond funds invest in bonds, money market funds invest in short-term debt securities, and balanced funds invest in a mix of stocks and bonds.

  • Other types of mutual funds include index funds, sector funds, and target-date funds.

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Interview Process at Bajaj Capital Relationship Manager

based on 9 interviews
1 Interview rounds
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