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ESAF Small Finance Bank

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10+ Gcube Info Interview Questions and Answers

Updated 24 Jul 2024
Popular Designations

Q1. What is saving account

Ans.

A savings account is a type of bank account that allows you to deposit money, earn interest on your balance, and withdraw funds when needed.

  • Savings accounts typically offer lower interest rates compared to other types of accounts like CDs or money market accounts

  • They are designed for storing money rather than for frequent transactions

  • Some savings accounts may have minimum balance requirements or monthly fees

  • Interest earned on savings accounts is usually compounded either dail...read more

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Q2. What is current account

Ans.

A current account is a type of deposit account that allows unlimited deposits and withdrawals, typically used for everyday transactions.

  • Allows unlimited deposits and withdrawals

  • Usually used for everyday transactions

  • Does not typically earn interest

  • May have fees associated with it

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Q3. What all do I look for in a bank to start an account

Ans.

Look for a bank with convenient locations, competitive interest rates, low fees, and good customer service.

  • Convenient locations for easy access

  • Competitive interest rates for maximizing savings

  • Low fees to minimize costs

  • Good customer service for assistance when needed

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Q4. How I wud approach a client

Ans.

I would approach a client by first researching their industry and needs, then reaching out with a personalized message to schedule a meeting.

  • Research the client's industry and needs before reaching out

  • Craft a personalized message highlighting how your product/service can benefit them

  • Schedule a meeting to discuss further details and address any questions or concerns

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Q5. Number of customer aset casa values

Ans.

The number of customer assets and casa values are important metrics for a Gold Loan Officer to assess the financial stability and potential loan amount for customers.

  • Customer assets refer to the total value of assets owned by a customer, including properties, investments, and savings accounts.

  • CASA values stand for Current Account Savings Account values, which indicate the amount of money held in a customer's current and savings accounts.

  • Analyzing the number of customer assets...read more

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Q6. Explaine the procedures you have ,From sourcing to Disbursement, in SFL.

Ans.

SFL follows a structured procedure from sourcing to disbursement.

  • Sourcing of potential leads through various channels such as referrals, cold calling, and networking events.

  • Qualifying leads based on set criteria to ensure they meet the company's requirements.

  • Conducting thorough financial assessments and credit checks on qualified leads.

  • Preparing and presenting customized loan packages to clients.

  • Obtaining necessary documentation and completing paperwork for loan approval.

  • Coor...read more

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Q7. How many languages do you know?

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Q8. Do you have a Two-wheeler

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Q9. Casa account full form

Ans.

Casa account full form is Current Account Savings Account.

  • Casa stands for Current Account Savings Account

  • It is a type of bank account that combines the features of a current account and a savings account

  • Casa accounts offer the benefits of both types of accounts, such as cheque facilities and interest on savings

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Q10. How to handled work pressure.

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Q11. Account full form

Ans.

Account full form is a term used to refer to the complete meaning of the word 'account'.

  • Account full form is 'A record or statement of financial expenditure and receipts relating to a particular period or purpose'.

  • It can also refer to 'A report or description of an event or experience'.

  • Examples include 'bank account', 'email account', 'social media account'.

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Q12. Expectation vs Previous

Ans.

The question is asking about the comparison between expectations and previous performance.

  • Expectations refer to the desired outcomes or results that are anticipated in a given situation.

  • Previous performance is a reflection of how well or poorly a task or goal was achieved in the past.

  • By comparing expectations with previous performance, one can assess the gap between what was hoped for and what was actually achieved.

  • This comparison can help identify areas for improvement or ad...read more

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