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10+ HDFC Bank Preferred Relationship Manager Interview Questions and Answers

Updated 5 Feb 2024

Q1. What are the key factors to consider while offering working capital to the consumer ?

Ans.

Key factors to consider while offering working capital to the consumer

  • Assess the creditworthiness of the consumer

  • Evaluate the business plan and financial projections

  • Consider the industry and market trends

  • Determine the purpose of the working capital

  • Assess the collateral and security offered

  • Evaluate the repayment capacity of the consumer

  • Consider the interest rates and fees

  • Monitor the usage of the working capital

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Q2. What do you think about banking

Ans.

Banking is an essential part of the economy and plays a crucial role in managing finances.

  • Banking provides a safe and secure way to store and manage money.

  • It offers various financial products and services such as loans, credit cards, and savings accounts.

  • Banking also helps in facilitating transactions and payments between individuals and businesses.

  • It is constantly evolving with the use of technology, making banking more convenient and accessible.

  • Overall, banking is important...read more

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Q3. How much integrity is important in banking

Ans.

Integrity is crucial in banking as it builds trust and credibility with customers and stakeholders.

  • Integrity ensures that banks operate ethically and transparently.

  • It helps to prevent fraud and corruption within the banking system.

  • Customers are more likely to trust banks that prioritize integrity.

  • Banks with a reputation for integrity are more likely to attract and retain customers and investors.

  • Examples of integrity in banking include honest communication, fair treatment of c...read more

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Q4. What are the charges involved in ULIP policies ?

Ans.

ULIP policies have various charges like premium allocation, fund management, mortality, surrender, etc.

  • Premium allocation charge is deducted from the premium paid and is a percentage of the premium

  • Fund management charge is levied on the fund value and is a percentage of the same

  • Mortality charge is deducted to provide life cover and is based on the age and sum assured

  • Surrender charge is applicable if the policy is surrendered before the lock-in period

  • Partial withdrawal charge ...read more

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Q5. How to calculate eligibility for Working Capital?

Ans.

Eligibility for Working Capital is calculated based on various factors such as credit score, cash flow, collateral, and industry type.

  • Credit score is an important factor in determining eligibility for working capital loans.

  • Cash flow is also considered as it shows the ability to repay the loan.

  • Collateral can increase the chances of approval and may also affect the interest rate.

  • Industry type can also play a role in eligibility as some industries are considered riskier than oth...read more

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Q6. Best Performing Mutual Funds, Difference between Large Cap, Mid Cap and Small Cap Funds ?

Ans.

Large Cap, Mid Cap and Small Cap Funds are different categories of mutual funds based on market capitalization.

  • Large Cap Funds invest in companies with large market capitalization, typically in the top 100 companies of the stock exchange.

  • Mid Cap Funds invest in companies with medium market capitalization, typically in the top 101-250 companies of the stock exchange.

  • Small Cap Funds invest in companies with small market capitalization, typically in the top 251-500 companies of ...read more

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Q7. What is current client base and how you will aquire new client

Ans.

Current client base consists of high net worth individuals and small businesses. Acquiring new clients through networking events, referrals, and targeted marketing strategies.

  • Current client base includes high net worth individuals and small businesses

  • Acquiring new clients through networking events

  • Acquiring new clients through referrals

  • Acquiring new clients through targeted marketing strategies

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Q8. Tell the Difference between Term loan and OD

Ans.

Term loan is a fixed amount of loan taken for a specific period while OD is a flexible loan that can be used as per requirement.

  • Term loan has a fixed repayment schedule while OD has no fixed repayment schedule.

  • Interest is charged on the entire amount of term loan while interest is charged only on the amount used in OD.

  • Term loan is ideal for long-term investments while OD is ideal for short-term cash flow needs.

  • Examples of term loan include home loan, car loan, etc. while exam...read more

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Q9. How you are handeling the work under the pressure

Ans.

I handle work under pressure by prioritizing tasks, staying organized, and maintaining a positive attitude.

  • Prioritize tasks based on deadlines and importance

  • Stay organized by creating to-do lists and setting reminders

  • Maintain a positive attitude by taking short breaks, practicing deep breathing, and seeking support from colleagues

  • Communicate effectively with team members to delegate tasks and manage workload efficiently

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Q10. Current situation of Sensex and Nifty?

Ans.

Sensex and Nifty are currently experiencing a bullish trend.

  • Sensex and Nifty have been consistently rising over the past few weeks.

  • As of today, Sensex is at 52,474.76 and Nifty is at 15,799.35.

  • The market is being driven by positive global cues and strong corporate earnings.

  • Investors are optimistic about the economic recovery and the government's reform measures.

  • However, there are concerns about rising inflation and the impact of the pandemic on the economy.

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Q11. Which credit card you use?

Ans.

I use the Chase Sapphire Reserve credit card.

  • I chose this card for its travel benefits and rewards program.

  • It offers a high sign-up bonus and earns points on every purchase.

  • The annual fee is offset by the travel credits and other perks.

  • I also appreciate the customer service and ease of use through the mobile app.

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Interview Process at HDFC Bank Preferred Relationship Manager

based on 5 interviews
2 Interview rounds
Resume Shortlist Round
HR Round
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