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HDFC Bank
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I applied via Job Fair and was interviewed in Mar 2024. There was 1 interview round.
I applied via Naukri.com and was interviewed in Apr 2023. There were 3 interview rounds.
I am a detail-oriented and organized individual with experience in accounting and cash handling.
I have a degree in accounting and have worked as an accounts executive for 3 years.
I am proficient in using accounting software such as QuickBooks and Excel.
I have experience in handling cash transactions and reconciling cash registers.
I am a team player and have excellent communication skills.
I am always willing to learn an
I am passionate about finance and banking, and I believe that the banking sector offers a challenging and rewarding career.
I have a strong interest in finance and banking
I am excited about the opportunity to work in a dynamic and fast-paced environment
I believe that the banking sector offers a challenging and rewarding career
I am eager to learn and grow in my career
I am confident that my skills and experience make me a
Types of accounts in a bank include savings, current, fixed deposit, recurring deposit, and NRI accounts.
Savings account: for individuals to save money and earn interest
Current account: for businesses to carry out transactions
Fixed deposit account: for individuals to deposit a lump sum for a fixed period of time and earn higher interest
Recurring deposit account: for individuals to deposit a fixed amount of money every ...
To open a bank account, a person requires necessary documents such as ID proof, address proof, and passport size photographs.
ID proof such as Aadhaar card, PAN card, Voter ID card, or Passport
Address proof such as Aadhaar card, Voter ID card, Passport, or utility bills
Passport size photographs
In case of a joint account, the documents of all the account holders are required
The 3 types of commercial banks are retail or consumer banks, corporate or business banks, and investment banks.
Retail or consumer banks cater to individual customers and provide services like savings accounts, loans, and credit cards.
Corporate or business banks serve the financial needs of businesses and corporations, offering services like commercial loans, cash management, and trade finance.
Investment banks speciali...
Loan grading is a process of evaluating the creditworthiness of a borrower and assigning a risk rating to the loan.
Loan grading helps lenders to assess the risk associated with a loan and make informed decisions.
It involves analyzing various factors such as the borrower's credit history, financial statements, collateral, and industry trends.
The grading system typically ranges from A to D, with A being the lowest risk a...
Line of credit is a flexible borrowing arrangement between a borrower and a lender.
It is a pre-approved loan amount that can be borrowed as needed.
Interest is only charged on the amount borrowed, not the entire credit limit.
It is often used by businesses to manage cash flow or for short-term financing.
Examples include credit cards, home equity lines of credit, and business lines of credit.
Banks earn profit through various means such as interest on loans, fees, and investments.
Interest on loans and credit cards
Fees for services such as ATM usage, overdrafts, and wire transfers
Investments in stocks, bonds, and other financial instruments
Charging higher interest rates on loans than they pay on deposits
Foreign exchange transactions
Mortgage banking
Credit card interchange fees
Merchant services
Wealth managemen
Card based payment is a method of making transactions using debit or credit cards.
Card based payment involves the use of debit or credit cards to make transactions.
The card is swiped or inserted into a card reader and the payment is processed.
Card based payments are widely used in retail stores, online shopping, and for bill payments.
Examples of card based payment systems include Visa, Mastercard, and American Express.
There are mainly two types of fixed deposit - cumulative and non-cumulative.
Cumulative fixed deposit - interest is compounded annually and paid at maturity
Non-cumulative fixed deposit - interest is paid at regular intervals (monthly, quarterly, half-yearly, or annually)
Tax-saving fixed deposit - offers tax benefits under Section 80C of the Income Tax Act
Senior citizen fixed deposit - offers higher interest rates to sen...
A home equity loan is a type of loan where a borrower uses the equity in their home as collateral.
Home equity loans allow homeowners to borrow money using the equity in their home as collateral.
The loan amount is typically based on the difference between the home's current market value and the outstanding mortgage balance.
Interest rates on home equity loans are usually lower than other types of loans because they are s...
Interbank deposit is a transaction where one bank deposits funds into another bank's account.
Interbank deposit is a common practice among banks to manage their liquidity.
It helps banks to earn interest on their excess funds.
Banks can also borrow from other banks through interbank deposits.
Interbank deposits are usually short-term and can be withdrawn on demand.
For example, Bank A deposits $10 million into Bank B's acco...
Non performing assets are those assets which are not generating income or are not able to recover their cost.
Non performing assets are also known as bad assets or non performing loans.
These assets can include loans, investments, or properties.
Examples of non performing assets include defaulted loans, foreclosed properties, and non performing stocks.
Non performing assets can have a negative impact on a company's financi...
Hdfc is Frist branch in Mumbai Sins 1994 . Marketing is good there are many tasx in hr day
HDFC HOUSING development fanance corporation is good bank in filed
Marketing is essential for businesses to reach and engage with their target audience, increase brand awareness, and drive sales.
Marketing helps businesses identify and understand their target audience
It allows businesses to create and promote their products or services effectively
Marketing helps build brand awareness and credibility
It drives sales and revenue for the business
Marketing also helps businesses stay ahead o
HDFC is famous in India for its strong presence in the banking and financial services sector, offering a wide range of products and services to customers.
HDFC is one of the largest private sector banks in India
It offers a variety of banking and financial services such as savings accounts, loans, insurance, and investment options
HDFC has a strong network of branches and ATMs across the country
The bank is known for its c...
What people are saying about HDFC Bank
HDFC Bank interview questions for popular designations
Don't remember clearly but same as ibps set.
Given one topic then we have to discuss.
Get interview-ready with Top HDFC Bank Interview Questions
I applied via Naukri.com and was interviewed in Apr 2024. There was 1 interview round.
Banking involves financial institutions that provide services such as deposits, loans, and investments.
Banks accept deposits from customers and provide various types of accounts like savings, current, and fixed deposits.
They offer loans to individuals and businesses for various purposes such as home loans, personal loans, and business loans.
Banks also provide investment services like mutual funds, stocks, and bonds to ...
CRM stands for Customer Relationship Management, a strategy for managing interactions with customers and potential customers.
CRM helps businesses build and maintain relationships with customers through personalized communication and targeted marketing.
It involves collecting and analyzing customer data to improve customer satisfaction and loyalty.
CRM systems can track customer interactions across multiple channels, such...
I have 3 years of experience in sales, including managing a team and exceeding sales targets.
Managed a team of 5 sales representatives
Exceeded sales targets by 20% for 2 consecutive years
Implemented new sales strategies to increase revenue
About basics of knowledge
RAM stands for Random Access Memory, a type of computer memory that can be accessed randomly. ROM stands for Read-Only Memory, a type of memory that stores data permanently.
RAM is volatile memory used by the computer to store data and program instructions temporarily.
ROM is non-volatile memory that stores firmware and cannot be easily modified or deleted.
RAM is faster but loses data when power is turned off, while ROM ...
Computers understand machine language, which is a set of binary codes representing instructions that the computer can execute.
Computers understand machine language, which consists of binary code representing instructions.
High-level programming languages like Python, Java, C++ are used to write code that is then translated into machine language.
Compilers and interpreters are used to convert high-level code into machine
Machine language is the lowest-level programming language that directly corresponds to instructions executed by a computer's CPU.
Machine language consists of binary code representing instructions that can be executed by a computer's central processing unit (CPU)
It is the lowest-level programming language and is specific to the type of CPU being used
Machine language is difficult for humans to read and write, as it is co...
BIOS works as a firmware that initializes hardware components during the boot process of a computer.
BIOS stands for Basic Input/Output System
It is responsible for initializing and testing hardware components like the CPU, memory, and storage devices
BIOS also provides the necessary instructions for the operating system to boot up
It is stored on a ROM chip on the motherboard
I applied via Approached by Company and was interviewed in Sep 2023. There were 2 interview rounds.
I applied via Job Portal and was interviewed in Jan 2024. There were 3 interview rounds.
Some of the top questions asked at the HDFC Bank interview -
The duration of HDFC Bank interview process can vary, but typically it takes about less than 2 weeks to complete.
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