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ESAF Small Finance Bank Interview Questions, Process, and Tips
Top ESAF Small Finance Bank Interview Questions and Answers
- Q1. How can you are calculate income if customer not filing the income tax return in business classasked in Credit Officer interview
- Q2. What is Small Finance Bank.asked in Assistant Manager interview
- Q3. How you sourse files from marketasked in Senior Officer interview
ESAF Small Finance Bank Interview Experiences
112 interviews found
Anonymous
Selected
I applied via Naukri.com and was interviewed in Dec 2022. There were 4 interview rounds.
(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...
- 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...
- 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
(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...
- 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...
- 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
- 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...
- 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
- 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...
- 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...
(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
- 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...
- 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 ...
- 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...
Interview Preparation Tips
Top ESAF Small Finance Bank Credit Officer Interview Questions and Answers
Credit Officer Interview Questions asked at other Companies
(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
Branch Manager Interview Questions asked at other Companies
Selected
I was interviewed in Aug 2024.
(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...
(1 Question)
- Q1. Ask about previous bank policy
(1 Question)
- Q1. Ask about team structure and size
Brach Operation Manager Interview Questions asked at other Companies
I applied via Campus Placement and was interviewed in Oct 2024. There were 3 interview rounds.
It is common only easy to crack
Finance and banking topic will given
(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
- Q2. Subject knowledge
Interview Preparation Tips
Executive Trainee Interview Questions asked at other Companies
ESAF Small Finance Bank interview questions for popular designations
Selected
I applied via Campus Placement and was interviewed in Feb 2024. There were 5 interview rounds.
They gave a random topic and asked us to do a discussion on it. For my group it was about social media and teenagers.
This was mostly a lot of GK questions and there was English too
(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
(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
- Q4. How I wud reach the smaller crowd
- Q5. Why exactly I'm choosing sales
(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
- Q5. How do I get clients to join this bank
Interview Preparation Tips
Sales Officer Trainee Interview Questions asked at other Companies
Get interview-ready with Top ESAF Small Finance Bank Interview Questions
I applied via Campus Placement and was interviewed in Jul 2024. There were 3 interview rounds.
Online GD , topics will be shared in the meeting
Aptitude,gk,english questions, time limit is 60min
(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...
Sales Executive Interview Questions asked at other Companies
Jobs at ESAF Small Finance Bank
Rizz
Mcq questions consits of 60 mcqs logical verbal maths etc. Video call was on.
2 hrs in total . Each of us got 1 min to speak our points
Executive Trainee Interview Questions asked at other Companies
Selected
Related to Bank such as CASA and NPA
Executive Trainee Interview Questions asked at other Companies
I applied via Approached by Company
(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...
- Q4. What was your achievements earlier
- Q5. That's it none asked
Branch Head Interview Questions asked at other Companies
Selected
I was interviewed before Feb 2024.
General awareness, mathematics, and numerical problems.
Given a topic, I need to discuss it for 10 minutes.
(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
- 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
- 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
(1 Question)
- Q1. Normal technical questions.
Senior Officer Interview Questions asked at other Companies
I applied via AmbitionBox
(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...
- 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
Top ESAF Small Finance Bank Assistant Manager Interview Questions and Answers
Assistant Manager Interview Questions asked at other Companies
Top trending discussions
ESAF Small Finance Bank Interview FAQs
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 Interviews By Designations
- ESAF Small Finance Bank Branch Manager Interview Questions
- ESAF Small Finance Bank Senior Officer Interview Questions
- ESAF Small Finance Bank Assistant Manager Interview Questions
- ESAF Small Finance Bank Executive Trainee Interview Questions
- ESAF Small Finance Bank Sales Officer Interview Questions
- ESAF Small Finance Bank Brach Operation Manager Interview Questions
- ESAF Small Finance Bank Officer Interview Questions
- ESAF Small Finance Bank Customer Service Executive Interview Questions
- Show more
Interview Questions for Popular Designations
ESAF Small Finance Bank Interview Process
based on 176 interviews
Interview experience
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ESAF Small Finance Bank Reviews and Ratings
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Rating in categories
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Senior Officer
526
salaries
|  ₹0 L/yr - ₹0 L/yr |
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Branch Manager
348
salaries
| ₹0 L/yr - ₹0 L/yr |
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Brach Operation Manager
322
salaries
| ₹0 L/yr - ₹0 L/yr |
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Assistant Manager
310
salaries
| ₹0 L/yr - ₹0 L/yr |
|
Sales Officer
253
salaries
| ₹0 L/yr - ₹0 L/yr |
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