India Post Payments Bank Relationship Officer Interview Questions and Answers

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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How to handle customers?

How to communicate and convince customers

Q1. Basic background screening and knowledge test
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Q2. Financial institute knowledge and market understanding
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Use of social media in Banking system

Discuss about customer view and Bank views. Advantages and disadvantage, needs and wants customer

Q1. What about My self ?
Ans. I am A.Muthukaruppan, comes for aaviyour. I completed my graduation in B.com at Sarasvathi Narayanan college.
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Q2. What are the experience?
Ans. SBI life insurance for 6 months And SMC COOPERATIVE HOUSE BULLIDING SOCIETY LTD as a Customer relationship manager ( currently working) 7 months till now.
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Q3. What are needs to apply?
Ans. I am apply for relation Excutive officer for knowing about depth of customer view and and also helps to improve the our sector,And gaining more knowledge to build my career.
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Good communication skill and good knowlege about mu work and company

To communicate the people for who was want best account in the bank to take advice from hr 🙏

Q1. How to communicate the people in field
Ans. 
Communicating with people in the field requires clear and concise messaging through various channels.
• Use clear and concise language to convey information effectively

• Utilize various communication channels such as phone calls, emails, and in-person meetings

• Listen actively to understand the needs and concerns of the individuals in the field

• Provide regular updates and feedback to ensure effective communication

• Establish rap...read more
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Q2. How to take account for people opinion
Ans. 
Taking account of people's opinions involves actively listening, considering different perspectives, and valuing diverse viewpoints.
• Listen actively to what others have to say

• Consider different perspectives before forming an opinion

• Value diverse viewpoints and opinions

• Seek feedback and input from others

• Respect others' opinions even if you disagree
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Q3. How to do fixed deposit with people from bank
Ans. 
To open a fixed deposit with a bank, visit the bank branch, fill out the necessary forms, provide required documents, and deposit the desired amount.
• Visit the bank branch where you hold an account

• Fill out the fixed deposit form with details like deposit amount, tenure, and nominee information

• Provide necessary documents such as ID proof, address proof, and passport size photographs

• Deposit the desired amount in the fixed
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Q4. How to take higher account from people for bank
Ans. 
To take higher account from people for bank, build trust, offer personalized services, provide competitive rates, and maintain good communication.
• Build trust by being transparent and reliable

• Offer personalized services tailored to individual needs

• Provide competitive rates and incentives to attract higher deposits

• Maintain good communication to keep customers informed and engaged
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Q5. Higher account for people
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Q1. No disscus.I not happy with working sbi wealth
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Q1. Previous company to present SBI wealth not good
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Q2. Mostly caste filling and locality I am personally experience in sbi wealth
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Q3. Condard base employee target torture
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