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Bandhan Bank
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Funding an applicant involves evaluating their creditworthiness and determining the appropriate amount and terms of the loan.
Evaluate the applicant's credit history, income, and debt-to-income ratio
Determine the appropriate loan amount based on the applicant's financial situation
Decide on the terms of the loan including interest rate, repayment period, and collateral requirements
Obtain necessary documentation such as p...
We were given a topic to have a discussion.
I applied via Approached by Company and was interviewed in Oct 2023. There was 1 interview round.
Implementing credit policies, regular monitoring, early identification of red flags, effective communication with customers.
Establishing clear credit policies and procedures
Regularly monitoring customer accounts for any signs of financial distress
Implementing early warning systems to identify potential delinquencies
Maintaining open communication with customers to address issues before they escalate
Offering flexible pay...
Bandhan Bank interview questions for designations
I applied via LinkedIn and was interviewed in Jul 2023. There were 5 interview rounds.
Knowledge test fro banking industry
Type of customer and their behaviour
I applied via Referral and was interviewed before May 2022. There were 2 interview rounds.
We look at various factors before giving a loan to someone.
Credit score and credit history
Income and employment status
Debt-to-income ratio
Collateral
Purpose of the loan
Payment history on existing loans
Overall financial stability
Ability to repay the loan
Legal and regulatory requirements
I applied via Approached by Company and was interviewed in Dec 2021. There was 1 interview round.
What people are saying about Bandhan Bank
I was interviewed before Apr 2016.
Important clauses in 3CD for loan sanctioning
Clause 4 - Purpose of loan
Clause 5 - Amount of loan
Clause 6 - Repayment terms
Clause 7 - Security for loan
Clause 8 - Interest rate
Clause 9 - Default and consequences
Profit and loss ratios are financial metrics used to assess the profitability of a company.
Profit ratio measures the percentage of profit earned on sales.
Gross profit ratio is calculated by dividing gross profit by net sales.
Net profit ratio indicates the percentage of net profit earned on sales.
Operating profit ratio measures the profitability of core operations.
Return on investment (ROI) is a common profitability rat
Concurrent audit is conducted during the course of business operations, while statutory audit is conducted at the end of the financial year.
Concurrent audit is performed concurrently with the operations of the organization.
Statutory audit is conducted to ensure compliance with legal and regulatory requirements.
Concurrent audit helps in detecting and preventing frauds and errors in real-time.
Statutory audit provides an ...
No, someone earning less than EMI should not take a loan.
Taking a loan when earning less than the EMI can lead to financial strain and difficulty in repayment.
It is important to have a stable income that can comfortably cover the loan repayment.
If someone is already struggling to meet their financial obligations, taking on additional debt can worsen their situation.
It is advisable to explore alternative options such as...
I applied via Referral and was interviewed before Sep 2020. There were 3 interview rounds.
based on 15 interviews
1 Interview rounds
based on 140 reviews
Rating in categories
Assistant Manager
2.3k
salaries
| ₹0 L/yr - ₹0 L/yr |
Deputy Manager
1.6k
salaries
| ₹0 L/yr - ₹0 L/yr |
Relationship Officer
975
salaries
| ₹0 L/yr - ₹0 L/yr |
Customer Relationship Officer
701
salaries
| ₹0 L/yr - ₹0 L/yr |
Manager
620
salaries
| ₹0 L/yr - ₹0 L/yr |
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