HDFC Bank Gold Appraiser Interview Questions and Answers

Reasoning, quantitative skills, and English language proficiency.

Q1. How should one prepare for analyzing financial statements, balance sheets, and assessing limits?
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IBPS takes test moderate to high

Q1. Assessment of working capital
Ans. 
Assessment of working capital involves analyzing a company's current assets and liabilities to determine its ability to meet short-term financial obligations.
• Calculate working capital by subtracting current liabilities from current assets.

• A positive working capital indicates the company has enough assets to cover its short-term debts.

• A negative working capital may signal financial trouble and the need for additional fu...read more
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Q2. Why do you wan tot join banj
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Q1. Introduction and knowledge
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Q2. Credit Underwriting
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Q1. About present role
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Q1. Asking about financial and ratio
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Q2. TOL/ATNW related to industry
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Q1. Type of Charge?
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Type of charge refers to the nature of the financial obligation, such as fixed or floating charge.
• Type of charge can be fixed or floating.

• Fixed charge is a specific charge on particular assets of a company, while floating charge is a charge on a class of assets that change from time to time.

• Examples of fixed charges include mortgages and debentures, while examples of floating charges include inventory and accounts rece...read more
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Q2. What is the role of CERSAI portal?
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CERSAI portal is a centralized platform for registering and maintaining security interests created by lenders on movable assets.
• CERSAI stands for Central Registry of Securitization Asset Reconstruction and Security Interest of India.

• It helps in creating a central registry of security interests on movable assets to prevent fraud and improve transparency in lending.

• Lenders are required to register their security interest...read more
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Knowledge test fro banking industry

Type of customer and their behaviour

Q1. Financial knowledge
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Q1. Salary discussion
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Q1. Tell me about yourself
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Q2. How will you analyse a Balance Sheet
Ans. 
Analyzing a balance sheet involves examining assets, liabilities, and equity to determine financial health.
• Start by calculating the current ratio to assess liquidity

• Examine the debt-to-equity ratio to evaluate leverage

• Analyze the inventory turnover ratio to assess efficiency

• Look at the return on equity to evaluate profitability

• Compare the balance sheet to previous periods and industry benchmarks

• Consider any off-balance...read more
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