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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

View all 52 questions

ESAF Small Finance Bank Interview Experiences

Popular Designations

112 interviews found

I applied via Campus Placement and was interviewed in Apr 2021. There were 8 interview rounds.

Interview Questionnaire 

7 Questions

  • Q1. What is Small Finance Bank.
  • Ans. 

    Small Finance Banks are specialized banks that provide financial services to the unbanked and underbanked sections of the society.

    • Small Finance Banks were introduced by RBI in 2015 to provide financial inclusion to the unbanked and underbanked sections of the society.

    • They offer basic banking services like deposits, loans, and payments to individuals and small businesses.

    • They have a focus on microfinance and provide loa...

  • Answered by AI
  • Q2. How it is different from other commercial banks.
  • Ans. 

    Our bank stands out with its customer-centric approach, innovative products, and advanced technology.

    • We prioritize customer satisfaction and tailor our services to meet their needs.

    • We offer unique products such as mobile banking and online investment platforms.

    • Our advanced technology allows for faster and more secure transactions.

    • We have a strong focus on financial education and offer resources to help customers make i...

  • Answered by AI
  • Q3. What is biggest issue faced by the banks?
  • Ans. 

    The biggest issue faced by banks is managing risk and maintaining financial stability.

    • Banks need to balance risk and reward while ensuring financial stability

    • Regulatory compliance is a major challenge for banks

    • Cybersecurity threats are increasing and banks need to invest in security measures

    • Low interest rates and economic uncertainty can impact profitability

    • Customer expectations are changing and banks need to adapt to

  • Answered by AI
  • Q4. What are SLR, CRR, CAR, Repo and reverse repo ?
  • Ans. 

    SLR, CRR, CAR, Repo and reverse repo are terms related to banking and finance.

    • SLR stands for Statutory Liquidity Ratio and is the percentage of deposits that banks have to maintain in the form of liquid assets such as cash, gold, or government securities.

    • CRR stands for Cash Reserve Ratio and is the percentage of deposits that banks have to keep with the central bank as a reserve.

    • CAR stands for Capital Adequacy Ratio an...

  • Answered by AI
  • Q5. NPA and it's percentage of commercial banks and ESAF small finance bank ?
  • Ans. 

    NPA percentage comparison between commercial banks and ESAF small finance bank.

    • NPA stands for Non-Performing Assets.

    • It is the percentage of loans that are not being repaid by borrowers.

    • As of March 2021, the NPA percentage for commercial banks was 7.48%.

    • ESAF Small Finance Bank had an NPA percentage of 2.83% as of March 2021.

    • ESAF's lower NPA percentage can be attributed to their focus on lending to micro and small enterp

  • Answered by AI
  • Q6. Personal questions about family, past life ?
  • Q7. How will you contribute to ESAF ?

Interview Preparation Tips

Interview preparation tips for other job seekers - Be calm and truthful, always have a smile, give honest answers.

Top ESAF Small Finance Bank Assistant Manager Interview Questions and Answers

Q1. What is Small Finance Bank.
View answer (7)

Assistant Manager Interview Questions asked at other Companies

Q1. You are Handling cash operations then how you manage operations with sales ?
View answer (87)
Interview experience
5
Excellent
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(5 Questions)

  • Q1. How many experience
  • Q2. And BM responsibility
  • Q3. Why join ESAF small finance bank
  • Q4. Why left last organisation
  • Q5. Tell me about your self

Interview Preparation Tips

Interview preparation tips for other job seekers - Good organization and culture office time

Branch Manager Interview Questions asked at other Companies

Q1. Role of Branch Manager?How to manage team?Cross sell?
View answer (34)
ESAF Small Finance Bank Interview Questions and Answers for Freshers
illustration image
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
6-8 weeks
Result
Selected Selected

I was interviewed in Aug 2024.

Round 1 - One-on-one 

(2 Questions)

  • Q1. Ask about your previous organisation and detailed in discription about your previous role and also discussed about your current CTC.
  • Q2. Brief idea about team handling and set up branch premises
  • Ans. 

    Team handling involves managing and leading a group of individuals towards a common goal. Setting up branch premises includes designing the layout, ensuring functionality, and creating a welcoming environment.

    • Team handling involves assigning tasks, providing guidance, and fostering a positive work culture.

    • Setting up branch premises includes coordinating with vendors, ensuring compliance with regulations, and optimizing...

  • Answered by AI
Round 2 - HR 

(1 Question)

  • Q1. Ask about previous bank policy
Round 3 - Generate offer letter 

(1 Question)

  • Q1. Ask about team structure and size

Brach Operation Manager Interview Questions asked at other Companies

Q1. what kinds documents are required in fresh file and used asset
View answer (6)
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Not Selected

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

Round 1 - Aptitude Test 

It is common only easy to crack

Round 2 - Group Discussion 

Finance and banking topic will given

Round 3 - One-on-one 

(2 Questions)

  • Q1. Introduce yourself
  • Ans. 

    I am a motivated and dedicated individual with a background in business administration and a passion for leadership development.

    • Graduated with a degree in Business Administration

    • Completed leadership development program at previous job

    • Motivated and dedicated individual

  • Answered by AI
  • Q2. Subject knowledge

Interview Preparation Tips

Interview preparation tips for other job seekers - Its good to work

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)

ESAF Small Finance Bank interview questions for popular designations

 Branch Manager

 (9)

 Senior Officer

 (8)

 Assistant Manager

 (8)

 Executive Trainee

 (8)

 Sales Officer

 (7)

 Brach Operation Manager

 (6)

 Officer

 (5)

 Customer Service Executive

 (3)

Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
4-6 weeks
Result
Selected Selected

I applied via Campus Placement and was interviewed in Feb 2024. There were 5 interview rounds.

Round 1 - Group Discussion 

They gave a random topic and asked us to do a discussion on it. For my group it was about social media and teenagers.

Round 2 - Aptitude Test 

This was mostly a lot of GK questions and there was English too

Round 3 - One-on-one 

(4 Questions)

  • Q1. This was a robotic interview where they asked me to introduce myself
  • Q2. There were other questions like what I knew about the bank
  • Q3. What my strengths and weakness were
  • Q4. If I'm willing to relocate for the bank and if I like field work
Round 4 - HR 

(5 Questions)

  • Q1. Again self introduction
  • Q2. If I'm willing to relocate
  • Q3. 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

  • Answered by AI
  • Q4. How I wud reach the smaller crowd
  • Q5. Why exactly I'm choosing sales
Round 5 - HR 

(5 Questions)

  • Q1. This was an online hr round
  • Q2. I was asked about the interest rates of the bank
  • Q3. How their interest rates were asking compared to other companies
  • Q4. 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

  • Answered by AI
  • Q5. How do I get clients to join this bank

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident in what you say and try not to lie in resume about your skills and hobbies.

Sales Officer Trainee Interview Questions asked at other Companies

Q1. What all do I look for in a bank to start an account
View answer (1)

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

Interview experience
4
Good
Difficulty level
Moderate
Process Duration
4-6 weeks
Result
Not Selected

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

Round 1 - Group Discussion 

Online GD , topics will be shared in the meeting

Round 2 - Aptitude Test 

Aptitude,gk,english questions, time limit is 60min

Round 3 - Technical 

(1 Question)

  • Q1. What is neft and rtgs do you have any other offers from other company why this job role
  • Ans. 

    NEFT (National Electronic Funds Transfer) and RTGS (Real Time Gross Settlement) are electronic payment systems used for transferring funds between banks in India.

    • NEFT is used for transferring funds up to a certain limit, typically with a delay of a few hours to one working day.

    • RTGS is used for transferring large amounts of funds with immediate settlement, typically used for high-value transactions.

    • NEFT operates in hour...

  • Answered by AI

Sales Executive Interview Questions asked at other Companies

Q1. Do you know what is selling and how you can sell it?
View answer (51)

Jobs at ESAF Small Finance Bank

View all
Interview experience
1
Bad
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Aptitude Test 

Mcq questions consits of 60 mcqs logical verbal maths etc. Video call was on.

Round 2 - Group Discussion 

2 hrs in total . Each of us got 1 min to speak our points

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)
Interview experience
1
Bad
Difficulty level
-
Process Duration
-
Result
Selected Selected
Round 1 - Group Discussion 

Related to Bank such as CASA and NPA

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)

Branch Head Interview Questions & Answers

user image Anonymous

posted on 15 Jan 2024

Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-

I applied via Approached by Company

Round 1 - One-on-one 

(5 Questions)

  • Q1. About your past experience in banking
  • Q2. Tell us about your family
  • Q3. What do you know about esaf bank
  • Ans. 

    ESAF Bank is a small finance bank in India that focuses on providing financial services to the underprivileged sections of society.

    • ESAF Bank is a small finance bank in India.

    • It was established in 1992 as a non-banking financial company (NBFC).

    • In 2017, it received the license to operate as a small finance bank from the Reserve Bank of India.

    • The bank primarily focuses on providing financial services to the underprivilege...

  • Answered by AI
  • Q4. What was your achievements earlier
  • Q5. That's it none asked

Branch Head Interview Questions asked at other Companies

Q1. What is my routine in the bank? How I am working? How I am generating business leads on day by day? What is marketing ? etc...
View answer (2)
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I was interviewed before Feb 2024.

Round 1 - Aptitude Test 

General awareness, mathematics, and numerical problems.

Round 2 - Group Discussion 

Given a topic, I need to discuss it for 10 minutes.

Round 3 - HR 

(3 Questions)

  • Q1. What factors influenced your decision to choose this bank despite having more exclusive opportunities available?
  • Ans. 

    I chose this bank for its strong reputation, growth potential, and alignment with my values.

    • Strong reputation in the industry

    • Potential for growth and advancement

    • Alignment with my personal values and career goals

  • Answered by AI
  • Q2. Why should we choose you?
  • Ans. 

    I have a proven track record of successfully leading teams and achieving results through strategic planning and effective communication.

    • Proven track record of successful leadership

    • Strong strategic planning skills

    • Effective communication abilities

    • Ability to achieve results

    • Experience in team management

    • Example: Successfully led a team to exceed sales targets by 20% in the last quarter

  • Answered by AI
  • Q3. This is very tough market for guys like you , do you sustain ?
  • Ans. 

    Yes, I sustain by constantly adapting to market changes, staying updated on industry trends, and building strong relationships with clients.

    • Adapting to market changes by diversifying services or products

    • Staying updated on industry trends through continuous learning and networking

    • Building strong relationships with clients to retain business and attract new opportunities

  • Answered by AI
Round 4 - Technical 

(1 Question)

  • Q1. Normal technical questions.

Senior Officer Interview Questions asked at other Companies

Q1. How you can Increase Selling of Banks Products and how you can connect more and more persons With Bank.????
View answer (7)
Interview experience
4
Good
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Not Selected

I applied via AmbitionBox

Round 1 - One-on-one 

(2 Questions)

  • 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 ea...

  • Answered by AI
  • 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

  • Answered by AI

Top ESAF Small Finance Bank Assistant Manager Interview Questions and Answers

Q1. What is Small Finance Bank.
View answer (7)

Assistant Manager Interview Questions asked at other Companies

Q1. You are Handling cash operations then how you manage operations with sales ?
View answer (87)
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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 176 interviews

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ESAF Small Finance Bank Reviews and Ratings

based on 1.9k reviews

3.7/5

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3.6

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3.6

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3.5

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3.6

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3.6

Company culture

3.3

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3.4

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