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DSCR stands for Debt Service Coverage Ratio. Pre-tax amount is used in the calculation to ensure that the borrower has enough income to cover their debt obligations.
DSCR is a financial ratio used to determine if a borrower has enough income to cover their debt obligations
It is calculated by dividing the borrower's pre-tax income by their total debt service
A DSCR of 1 or higher indicates that the borrower has enough inc...
ROCE formula and inclusion of short term loans in calculation
ROCE formula is (Operating Profit / Capital Employed) x 100
Capital Employed includes all long-term and short-term assets minus short-term liabilities
Short-term loans are included in the calculation of capital employed
ROCE is a measure of how efficiently a company is using its capital to generate profits
Exponential increase in turnover can be analyzed by identifying the factors contributing to the increase and projecting future growth.
Identify the source of the increase (e.g. new product launch, market expansion)
Analyze customer behavior and purchasing patterns
Evaluate competition and market trends
Use statistical models to project future growth
Consider potential challenges and risks to sustained growth
To analyse credit worthiness of a company, various financial ratios and credit scores are used.
Check the company's credit score and credit history
Analyze the company's financial statements and ratios such as debt-to-equity ratio, current ratio, and interest coverage ratio
Evaluate the company's industry and market trends
Assess the company's management and leadership
Consider any external factors that may affect the compa...
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posted on 6 Apr 2015
posted on 6 Apr 2015
posted on 15 May 2024
I applied via Recruitment Consulltant and was interviewed before May 2023. There were 2 interview rounds.
Trade life cycle refers to the stages involved in a trade from initiation to settlement.
Trade initiation: Trade is proposed and agreed upon by parties involved.
Trade execution: Trade is executed on the agreed terms.
Trade confirmation: Parties confirm the details of the trade.
Trade settlement: Payment and transfer of securities are completed.
Trade reconciliation: Ensuring all details match between parties' records.
Trade...
ISDA is International Swaps and Derivatives Association. Components of master agreement include terms for governing transactions, events of default, and termination provisions.
ISDA stands for International Swaps and Derivatives Association
Components of master agreement include terms for governing transactions
Events of default are outlined in the master agreement
Termination provisions are also included in the master agr
posted on 13 Jul 2024
I applied via Campus Placement and was interviewed in Jan 2024. There were 3 interview rounds.
Questions about Basic finance and overall like any CET exams questions
Easy as you will get chance to talk about your views on topic given by interviewer
posted on 31 Aug 2022
I applied via Referral and was interviewed in Oct 2021. There were 2 interview rounds.
I applied via Job Portal and was interviewed before Aug 2023. There was 1 interview round.
I am a data analyst with a strong background in statistics and data visualization.
Graduated with a degree in Statistics
Proficient in programming languages like Python and R
Experience in analyzing large datasets and creating data visualizations
Strong problem-solving skills
I appeared for an interview in Feb 2025, where I was asked the following questions.
JPA (Java Persistence API) is a specification for managing relational data in Java applications using object-relational mapping.
JPA provides a way to map Java objects to database tables.
It simplifies database interactions through an object-oriented approach.
Common implementations include Hibernate, EclipseLink, and OpenJPA.
Example: Using JPA annotations like @Entity to define a persistent class.
JPA supports querying wi...
This program identifies and returns duplicate elements from a given list.
Use a set to track seen elements and a list for duplicates.
Iterate through the list and check if an element is in the set.
If it is, add it to the duplicates list; otherwise, add it to the set.
Example: For the list [1, 2, 3, 2, 4, 3], the output should be [2, 3].
posted on 26 Sep 2023
I applied via Walk-in and was interviewed before Sep 2022. There were 4 interview rounds.
Reasoning and logical
posted on 2 Aug 2024
I applied via Job Portal and was interviewed in Feb 2024. There were 2 interview rounds.
Random Programming questions
Some of the top questions asked at the India Ratings & Research Senior Research Associate interview -
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Karvy Financial Services
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