IDFC FIRST Bank Customer Service Representative Interview Questions and Answers

Q1. Self introduction
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Q2. About Qualification
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Q3. Known languages
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Q1. What is banking.
Ans. 
Banking is a financial institution that provides various financial services such as deposits, loans, and investments.
• Banking involves accepting deposits from customers and providing loans to individuals and businesses.

• Banks also offer services such as credit cards, mortgages, and investment products.

• They facilitate transactions, manage risks, and provide financial advice to customers.

• Examples of banks include JPMorgan
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Q2. Why need banking
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Banking is essential for managing finances, accessing credit, and facilitating transactions.
• Banking allows individuals to securely store and manage their money.

• Banks provide access to credit through loans, mortgages, and credit cards.

• Banking services facilitate transactions such as payments, transfers, and investments.
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Q3. Type of Banks service
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Banks offer a variety of services such as savings accounts, loans, credit cards, and investment options.
• Savings accounts

• Loans

• Credit cards

• Investment options
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Q1. What is ATM card
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An ATM card is a plastic card issued by a bank that allows customers to access their bank accounts to make transactions at ATMs and point-of-sale terminals.
• ATM cards are linked to a customer's bank account

• They can be used to withdraw cash from ATMs

• They can also be used to make purchases at stores and online

• PIN (Personal Identification Number) is required to use an ATM card

• ATM cards may have a magnetic stripe or a chip
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Q2. What is credit card
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A credit card is a payment card issued by a financial institution that allows the cardholder to borrow funds to pay for goods and services.
• Credit cards allow users to make purchases on credit, with the promise to repay the borrowed amount at a later date.

• They often come with a credit limit, which is the maximum amount of money that can be borrowed.

• Cardholders are usually required to pay interest on the outstanding bala...read more
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Q1. As a fresher, they asked me about my family background, some questions about accounting rules, what is the present situation of economy and are I ready for cross sell etc.
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