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Group loans are loans provided to a group of individuals who are jointly responsible for repayment.
Group loans are typically provided to a group of individuals who know each other and are willing to support each other in repayment.
Each member of the group is responsible for the repayment of the loan, and if one member defaults, the others are expected to cover the payment.
Group loans are commonly used in microfinance i...
I applied via Naukri.com and was interviewed before Jan 2024. There was 1 interview round.
Increased sales revenue, implemented cost-saving measures, led successful team projects.
Increased sales revenue by 25% through strategic marketing campaigns
Implemented cost-saving measures resulting in a 15% reduction in expenses
Led successful team projects resulting in improved productivity and customer satisfaction
Failed to meet sales targets, poor communication with team, missed project deadline
Failed to meet sales targets despite efforts to increase marketing and promotions
Poor communication with team led to misunderstandings and delays in project completion
Missed project deadline due to underestimating the scope of work and lack of proper planning
I applied via Naukri.com and was interviewed in Mar 2023. There were 2 interview rounds.
I applied via Company Website
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 Naukri.com and was interviewed before Apr 2021. There was 1 interview round.
I applied via Campus Placement and was interviewed before Jun 2020. There were 6 interview rounds.
based on 2 interviews
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Bajaj Finance
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