ICICI Bank Service Relationship Manager Interview Questions and Answers

Q1. Tell me about yourself and your previous profile.
Ans. I briefly explain about myself as name when i completed my education from which segment then about first job, the journey i explain till i become banker. after come to my professional side i explain about my last 8 year of experience. as a service relationship manager i explain responsibility i handle. Specially in Account servicing Demat and forex
Answered by Kunal Bhosale
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Q1. Formal round taken by HR department, usually they called for offer letter discussion which they provide. and causal question about my family member, where i stay etc.
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Bandhan Bank is a private sector bank in India that offers banking services to all socio-economic sections. The bank's mission is to provide financial solutions to all Indians in an inclusive and sustainable manner.
Features
Savings accounts: Offers free transactions like cash withdrawals at other bank ATMs, funds transfers, and NEFT transactions through the mobile app
Financial literacy: Aims to deepen financial inclusion in rural communities
Universal banking: Serves all socio-economic sections across the country
History
Founded by Chandra Shekhar Ghosh in 2015
Ghosh is a proponent of financial inclusion in India
The bank has been recognized as a scheduled bank by the RBI
Core values
Cost effective and simple
Respect for all
Exemplary governance
Accountability
Professionalism and discipline
Transparency and integrity
Effective team work and commitment
Deposit insurance
Depositors of Bandhan Bank are eligible for deposit insurance cover of up to Rs 5 lakhs in case the bank defaults

Bandhan Bank is a private sector bank in India that offers banking services to all socio-economic sections. The bank's mission is to provide financial solutions to all Indians in an inclusive and sustainable manner.
Features
Savings accounts: Offers free transactions like cash withdrawals at other bank ATMs, funds transfers, and NEFT transactions through the mobile app
Financial literacy: Aims to deepen financial inclusion in rural communities
Universal banking: Serves all socio-economic sections across the country
History
Founded by Chandra Shekhar Ghosh in 2015
Ghosh is a proponent of financial inclusion in India
The bank has been recognized as a scheduled bank by the RBI
Core values
Cost effective and simple
Respect for all
Exemplary governance
Accountability
Professionalism and discipline
Transparency and integrity
Effective team work and commitment
Deposit insurance
Depositors of Bandhan Bank are eligible for deposit insurance cover of up to Rs 5 lakhs in case the bank defaults

Bandhan Bank is a private sector bank in India that offers banking services to all socio-economic sections. The bank's mission is to provide financial solutions to all Indians in an inclusive and sustainable manner.
Features
Savings accounts: Offers free transactions like cash withdrawals at other bank ATMs, funds transfers, and NEFT transactions through the mobile app
Financial literacy: Aims to deepen financial inclusion in rural communities
Universal banking: Serves all socio-economic sections across the country
History
Founded by Chandra Shekhar Ghosh in 2015
Ghosh is a proponent of financial inclusion in India
The bank has been recognized as a scheduled bank by the RBI
Core values
Cost effective and simple
Respect for all
Exemplary governance
Accountability
Professionalism and discipline
Transparency and integrity
Effective team work and commitment
Deposit insurance
Depositors of Bandhan Bank are eligible for deposit insurance cover of up to Rs 5 lakhs in case the bank defaults
Show more

Bandhan Bank is a private sector bank in India that offers banking services to all socio-economic sections. The bank's mission is to provide financial solutions to all Indians in an inclusive and sustainable manner.
Features
Savings accounts: Offers free transactions like cash withdrawals at other bank ATMs, funds transfers, and NEFT transactions through the mobile app
Financial literacy: Aims to deepen financial inclusion in rural communities
Universal banking: Serves all socio-economic sections across the country
History
Founded by Chandra Shekhar Ghosh in 2015
Ghosh is a proponent of financial inclusion in India
The bank has been recognized as a scheduled bank by the RBI
Core values
Cost effective and simple
Respect for all
Exemplary governance
Accountability
Professionalism and discipline
Transparency and integrity
Effective team work and commitment
Deposit insurance
Depositors of Bandhan Bank are eligible for deposit insurance cover of up to Rs 5 lakhs in case the bank defaults

Bandhan Bank is a private sector bank in India that offers banking services to all socio-economic sections. The bank's mission is to provide financial solutions to all Indians in an inclusive and sustainable manner.
Features
Savings accounts: Offers free transactions like cash withdrawals at other bank ATMs, funds transfers, and NEFT transactions through the mobile app
Financial literacy: Aims to deepen financial inclusion in rural communities
Universal banking: Serves all socio-economic sections across the country
History
Founded by Chandra Shekhar Ghosh in 2015
Ghosh is a proponent of financial inclusion in India
The bank has been recognized as a scheduled bank by the RBI
Core values
Cost effective and simple
Respect for all
Exemplary governance
Accountability
Professionalism and discipline
Transparency and integrity
Effective team work and commitment
Deposit insurance
Depositors of Bandhan Bank are eligible for deposit insurance cover of up to Rs 5 lakhs in case the bank defaults

Q1. Tell me about your family background
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Q2. Study details
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Q3. Why HDFC
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Q4. Then subject wise few questions
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Q1. Introduction about the background
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Q2. How will you be useful in the company
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Q3. Are you comfortable for pan india location
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Q4. Are you eager to learn
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Q5. Loyal to the company
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Q1. What were you looking last organisation.
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Q2. Banking products knowledge
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Q3. Customer handling, sales Banking products.
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Financial related. Banking related questions.

Q1. What is working capital
Ans. 
Working capital is the difference between a company's current assets and current liabilities.
• Working capital is essential for a company's day-to-day operations.

• It indicates the company's ability to meet its short-term financial obligations.

• Formula: Working Capital = Current Assets - Current Liabilities

• Examples: Cash, accounts receivable, inventory are current assets. Accounts payable, short-term loans are current liabi
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Q2. What is DSCR Ratio
Ans. 
DSCR Ratio is Debt Service Coverage Ratio, a financial metric used to measure a company's ability to cover its debt obligations.
• DSCR Ratio is calculated by dividing a company's operating income by its total debt service payments.

• A DSCR Ratio of 1 or higher indicates that a company is generating enough income to cover its debt payments.

• Lenders typically look for a DSCR Ratio of 1.25 or higher when evaluating a company's
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Q1. Kindly introduce
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Q2. Kindly tell you work in organization
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Q1. Kindly Introduce yourself
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Q2. Please let me know your work experience
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Q1. Mutual fund Questions
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Q2. Previous company working
Ans. 
I worked at XYZ Company as a Relationship Manager for 3 years.
• Managed a portfolio of high net-worth clients

• Developed and maintained relationships with clients to ensure satisfaction and retention

• Analyzed financial data to provide personalized investment recommendations
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