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ESAF Small Finance Bank Interview Questions, Process, and Tips

Updated 16 Feb 2025

Top ESAF Small Finance Bank Interview Questions and Answers

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ESAF Small Finance Bank Interview Experiences

Popular Designations

112 interviews found

Fild offisir Interview Questions & Answers

user image Anonymous

posted on 13 Jul 2022

I applied via Referral and was interviewed before Jul 2021. There were 4 interview rounds.

Round 1 - Group Discussion 

Banking on information

Round 2 - Coding Test 

My information and study details and experience information and my about

Round 3 - One-on-one 

(3 Questions)

  • Q1. One by one candidates going to office meet to HR and DM sir
  • Q2. What is about your self
  • Q3. Mujhe bahut aacha laga yaha kam kar ke bahut aachi bank h
Round 4 - Assignment 

Good aacha kam h esaf me best time mera

Interview Preparation Tips

Interview preparation tips for other job seekers - Good

Area Sales Manager in Housing Loans and Mortgages department Interview Questions & Answers

user image Anonymous

posted on 9 Jun 2024

Interview experience
1
Bad
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Technical 

(1 Question)

  • Q1. Improve HL & lap policy & process

Interview Preparation Tips

Interview preparation tips for other job seekers - Improve for home loans process and policy it's so difficult.. and single file are not moved here
Interview experience
1
Bad
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected
Round 1 - HR 

(2 Questions)

  • Q1. Tell me about your self
  • Q2. Your current location

Interview Preparation Tips

Interview preparation tips for other job seekers - Speech

Customer Service Executive Interview Questions asked at other Companies

Q1. How u deal to the customer if he get non veg food instead of veg food ?
View answer (34)

Salesman Interview Questions & Answers

user image Anonymous

posted on 6 Mar 2024

Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Not Selected

I applied via Company Website and was interviewed in Feb 2024. There were 2 interview rounds.

Round 1 - Group Discussion 

Is digital currency important in todays wolrd world

Round 2 - Aptitude Test 

100 questions was given for 1 hours

Interview Preparation Tips

Interview preparation tips for other job seekers - Study hard for the gd

Salesman Interview Questions asked at other Companies

Q1. How can you motivate the customer to buy our products
View answer (8)

ESAF Small Finance Bank interview questions for popular designations

 Branch Manager

 (9)

 Assistant Manager

 (8)

 Executive Trainee

 (8)

 Senior Officer

 (8)

 Sales Officer

 (7)

 Brach Operation Manager

 (6)

 Officer

 (5)

 Branch Head

 (3)

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Walk-in and was interviewed in Oct 2023. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all tips
Round 2 - One-on-one 

(2 Questions)

  • Q1. Process and operations knowledge
  • Q2. Sales skills and products knowledge

Interview Preparation Tips

Interview preparation tips for other job seekers - Gud

Brach Operation Manager Interview Questions asked at other Companies

Q1. what kinds documents are required in fresh file and used asset
View answer (5)

Get interview-ready with Top ESAF Small Finance Bank Interview Questions

Interview experience
4
Good
Difficulty level
Easy
Process Duration
2-4 weeks
Result
-

I applied via Campus Placement and was interviewed in Jan 2024. There were 3 interview rounds.

Round 1 - Group Discussion 

Its was a general topic - influence of social media on teenagers

Round 2 - Aptitude Test 

Contained general banking knowledge questions,reasoning and probability

Round 3 - HR 

(1 Question)

  • Q1. Introductions, basics of banking, and RBI

Executive Trainee Interview Questions asked at other Companies

Q1. If you are asked to construct a dam in Mizoram, what will be the problems you are expected to face and what all logistics will you be looking out for?
View answer (1)

Jobs at ESAF Small Finance Bank

View all

Senior Manager Interview Questions & Answers

user image vemula john Vijayendar

posted on 16 Jun 2023

Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Referral and was interviewed in Aug 2023. There were 5 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Don’t add your photo or details such as gender, age, and address in your resume. These details do not add any value.
View all tips
Round 2 - Aptitude Test 

Basics and normal question

Round 3 - HR 

(1 Question)

  • Q1. About package and experience
Round 4 - Behavioral 

(1 Question)

  • Q1. What about your past experience
Round 5 - Behavioral 

(1 Question)

  • Q1. How was your experience

Senior Manager Interview Questions asked at other Companies

Q1. 1. What you understand the requirement of shuttering material at project site?
View answer (19)

B1 Senior Officer Interview Questions & Answers

user image Anonymous

posted on 29 Aug 2023

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Campus Placement and was interviewed in Mar 2023. There were 4 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Properly align and format text in your resume. A recruiter will have to spend more time reading poorly aligned text, leading to high chances of rejection.
View all tips
Round 2 - Aptitude Test 

There are banking realted ques asked in mcq form..

Round 3 - One-on-one 

(3 Questions)

  • Q1. Normally ques asked realted to situational based ..
  • Q2. How to handled work pressure.
  • Q3. How to manage team work
Round 4 - Technical 

(1 Question)

  • Q1. Documention , Background verfication

Interview Preparation Tips

Interview preparation tips for other job seekers - If u started your career journey in banking sector....like freshers so I recommend this bank to start your banking industry journey In here you can learn many things in ground level ..
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - HR 

(1 Question)

  • Q1. Experiance and technical

Interview Preparation Tips

Interview preparation tips for other job seekers - All the questions are good and oversation

Relationship Manager Interview Questions asked at other Companies

Q1. How will you market banking products ? Are you willing to work at the ground level ? What are the challenges of marketing at ground level ? How different is it from other kinds of marketing? What did you learn in mba with respect to marketi... read more
View answer (47)
Interview experience
5
Excellent
Difficulty level
Hard
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Naukri.com and was interviewed in Dec 2022. There were 4 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Double-check your resume for any spelling mistakes. The recruiter may consider spelling mistakes as careless behavior or poor communication skills.
View all tips
Round 2 - HR 

(4 Questions)

  • Q1. In this round HR ask question from my CV.
  • Q2. How can handle HL and LAP product
  • Ans. 

    Handling HL and LAP products requires thorough knowledge of credit policies, risk assessment, and customer profiling.

    • Understand the credit policies and guidelines of the organization

    • Conduct a thorough risk assessment of the borrower and collateral

    • Profile the customer to understand their financial background and repayment capacity

    • Ensure timely disbursement and monitoring of the loan

    • Maintain regular communication with th...

  • Answered by AI
  • Q3. What is difference between housing loan and mortgage loan
  • Ans. 

    Housing loan is for purchasing or constructing a house, while mortgage loan is secured by a property as collateral.

    • Housing loan is used for buying or building a house, while mortgage loan can be used for any purpose but is secured by a property as collateral.

    • Housing loan is typically for a longer term and has lower interest rates than mortgage loan.

    • Mortgage loan can be used to refinance an existing loan or to consolida...

  • Answered by AI
  • Q4. Which one is eligible for housing and mortgage loan and other loan
  • Ans. 

    Individuals with stable income, good credit score, and sufficient collateral are eligible for housing, mortgage, and other loans.

    • Stable income is a key factor in loan eligibility

    • Good credit score indicates creditworthiness and repayment capability

    • Sufficient collateral provides security to the lender

    • Other factors such as age, employment history, and debt-to-income ratio may also be considered

    • Examples of collateral inclu

  • Answered by AI
Round 3 - Technical 

(7 Questions)

  • Q1. What is underwriting
  • Ans. 

    Underwriting is the process of evaluating the risk of lending money to a borrower.

    • Underwriting involves analyzing the borrower's creditworthiness, financial history, and ability to repay the loan.

    • The underwriter also assesses the value of the collateral, if any, that the borrower is offering to secure the loan.

    • Based on this analysis, the underwriter decides whether to approve or deny the loan, and what terms and condit...

  • Answered by AI
  • Q2. How can you are calculate income if customer not filing the income tax return in business class
  • Ans. 

    To calculate income for a customer not filing income tax return in business class, alternative methods can be used.

    • Review bank statements and financial records to identify income sources and patterns

    • Consider industry benchmarks and market research to estimate income

    • Assess the customer's assets, investments, and property ownership to determine potential income

    • Analyze the customer's business expenses and profit margins t...

  • Answered by AI
  • Q3. What is the LTV ratio as per the RBI norms
  • Ans. 

    The LTV ratio as per RBI norms varies based on the type of loan and collateral.

    • For home loans up to Rs. 75 lakh, the LTV ratio is 90%

    • For loans above Rs. 75 lakh, the LTV ratio is 80%

    • For loans against gold jewellery, the LTV ratio is 75%

    • For loans against fixed deposits, the LTV ratio is 90%

    • The LTV ratio is the ratio of the loan amount to the value of the collateral

    • RBI periodically reviews and revises the LTV ratio norms

  • Answered by AI
  • Q4. How can you conduct PD in case of Street shops
  • Ans. 

    PD for street shops can be conducted through a combination of on-site visits, financial analysis, and market research.

    • Conduct on-site visits to observe the shop's location, foot traffic, and overall appearance.

    • Analyze the shop's financial statements, including income statements and balance sheets.

    • Research the local market to understand competition and demand for the shop's products or services.

    • Consider the shop owner's...

  • Answered by AI
  • Q5. How can you access the income of Kirana shopkeeper
  • Ans. 

    The income of a Kirana shopkeeper can be accessed through various methods.

    • One can ask for the shop's financial statements and tax returns.

    • One can also observe the shop's daily sales and estimate the income.

    • Additionally, one can ask for references from suppliers or other business partners.

    • Finally, one can conduct a credit check to determine the shop's creditworthiness.

    • It is important to respect the shopkeeper's privacy

  • Answered by AI
  • Q6. How can we calculate income of pandit
  • Ans. 

    The income of a pandit can be calculated based on their profession and the services they provide.

    • Calculate the fees charged by the pandit for various services like performing puja, conducting rituals, etc.

    • Consider the number of clients the pandit serves in a month or year.

    • Take into account any additional income sources like teaching or writing books on Hinduism.

    • Compare the income with the average income of pandits in t...

  • Answered by AI
  • Q7. What is the parameter of cibil
  • Ans. 

    CIBIL is a credit information company that maintains credit records of individuals and companies.

    • CIBIL stands for Credit Information Bureau (India) Limited.

    • It maintains credit records of individuals and companies, including their credit history, credit score, and creditworthiness.

    • The credit score ranges from 300 to 900, with a higher score indicating better creditworthiness.

    • Lenders use CIBIL reports to evaluate the cre...

  • Answered by AI
Round 4 - HR 

(4 Questions)

  • Q1. What is the main thing in any valuation and technical report
  • Ans. 

    The main thing in any valuation and technical report is accuracy.

    • Accuracy is crucial in any valuation and technical report.

    • The report should be based on reliable data and calculations.

    • The report should be free from errors and inconsistencies.

    • The report should be able to provide a clear and concise picture of the subject being evaluated.

    • For example, in a credit report, accuracy is important in determining the creditwort

  • Answered by AI
  • Q2. What is the legal report which document is mandatory for em creation
  • Ans. 

    The legal report mandatory for EM creation is the credit report.

    • The credit report is a detailed summary of an individual's credit history and financial behavior.

    • It includes information on credit accounts, payment history, outstanding debts, bankruptcies, and other financial data.

    • Lenders use credit reports to assess the creditworthiness of a borrower and determine the risk of lending money to them.

    • The credit report is m...

  • Answered by AI
  • Q3. Why 13 years flow is mandatory for any any legal report
  • Ans. 

    13 years flow is mandatory for any legal report to ensure accuracy and completeness of information.

    • The 13-year time frame is based on the statute of limitations for most legal claims.

    • It allows for a comprehensive review of the borrower's credit history and financial behavior.

    • It also helps to identify any patterns or trends in the borrower's creditworthiness.

    • Examples of legal reports that require a 13-year flow include ...

  • Answered by AI
  • Q4. What is the incumbrance and CERSAI
  • Ans. 

    Incumbrance refers to a claim or lien on a property, while CERSAI is a central registry for security interests on movable assets.

    • Incumbrance can be in the form of a mortgage, a lien, or a charge on a property.

    • CERSAI stands for Central Registry of Securitisation Asset Reconstruction and Security Interest of India.

    • CERSAI is a government-owned company that maintains a central registry of security interests on movable asse...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - I always suggest to jobs seekers before giving any interviews we have to update basic knowledge and read policies and rules and regulation as per RBI, without taking any conceptual and basic knowledge we cannot break any interview

Top ESAF Small Finance Bank Credit Officer Interview Questions and Answers

Q1. How can you are calculate income if customer not filing the income tax return in business class
View answer (7)

Credit Officer Interview Questions asked at other Companies

Q1. How can you are calculate income if customer not filing the income tax return in business class
View answer (7)

ESAF Small Finance Bank Interview FAQs

How many rounds are there in ESAF Small Finance Bank interview?
ESAF Small Finance Bank interview process usually has 2-3 rounds. The most common rounds in the ESAF Small Finance Bank interview process are HR, Resume Shortlist and One-on-one Round.
How to prepare for ESAF Small Finance Bank interview?
Go through your CV in detail and study all the technologies mentioned in your CV. Prepare at least two technologies or languages in depth if you are appearing for a technical interview at ESAF Small Finance Bank. The most common topics and skills that interviewers at ESAF Small Finance Bank expect are Sales, Banking, Customer Acquisition, Gold Loan and Branch Banking.
What are the top questions asked in ESAF Small Finance Bank interview?

Some of the top questions asked at the ESAF Small Finance Bank interview -

  1. How can you are calculate income if customer not filing the income tax return i...read more
  2. Which one is eligible for housing and mortgage loan and other l...read more
  3. What is Small Finance Ba...read more
How long is the ESAF Small Finance Bank interview process?

The duration of ESAF Small Finance Bank interview process can vary, but typically it takes about less than 2 weeks to complete.

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ESAF Small Finance Bank Interview Process

based on 172 interviews

Interview experience

4.1
  
Good
View more

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ESAF Small Finance Bank Reviews and Ratings

based on 1.9k reviews

3.7/5

Rating in categories

3.6

Skill development

3.6

Work-life balance

3.6

Salary

3.6

Job security

3.6

Company culture

3.3

Promotions

3.4

Work satisfaction

Explore 1.9k Reviews and Ratings
Branch Head /Branch In- Charge

Thrissur

6-10 Yrs

Not Disclosed

Branch Head/Branch Operations Manager

Thrissur

6-11 Yrs

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