Karnataka Gramin Bank Interview Questions and Answers

Round 1 was aptitude round, it consisted of java and c++ snippets and we had to guess the output. Apart from that there were problems on speed, velocity, distance and time. Problems on word-letter patterns were also asked. The aptitude round had 30 questions and time given was 30 minutes.

Aptitude round was the only elimination round. The next following 4 rounds were non-elimination rounds. Coding test included 3 questions - 1 and half hour was given to solve the same. It is fine if you don't perform well here, since it is a non-elimination round. But try to solve 1 and half or 2 questions atleast. The questions were mainly based on 1d arrays, 2D arrays, strings and string arrays.

Q1. Introduce yourself.
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Q2. Difference between Structure and object oriented languages
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Q3. Explain of OOPS concepts and their real life examples.
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Q4. What is static keyword and it's usage.
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Q5. System architecture diagram for web application project.
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Q6. Access Modifiers in java
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Q7. What OOPS concepts are implemented in my project
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Q8. DBMS core concepts
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Q9. Overloading and Overriding
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Q10. Approach to the coding questions asked in coding round.
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Q11. Questions on what is cloud and what are some cloud platforms you know?
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A project is assigned to a group of students and we need to come up with an idea on how to implement that project as a team.

Q1. Introduce yourself
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Q2. Family background
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The group discussion was conducted on the basic topic of "Education System in India." After announcing the topic, the HR provided three minutes for preparation, during which participants were allowed to take notes. Subsequently, each person spoke about the topic for 30 seconds. Following the individual presentations, a three-minute discussion took place among the members.

Q1. What is meant by securities?
Ans. 
Securities are financial instruments that represent ownership or debt in a company or government entity.
• Securities can include stocks, bonds, options, and futures.

• They are bought and sold on financial markets.

• Investors purchase securities as a way to potentially earn a return on their investment.

• Securities can be issued by corporations, governments, or other organizations.

• They provide investors with the opportunity to ...read more
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Q2. What is meant by the repo rate and reverse repo rate?
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Repo rate is the rate at which the central bank lends money to commercial banks, while reverse repo rate is the rate at which the central bank borrows money from commercial banks.
• Repo rate is used by the central bank to control inflation and money supply in the economy.

• Reverse repo rate is used to absorb excess liquidity from the market.

• Changes in repo rate and reverse repo rate influence the interest rates in the econ...read more
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Q3. What is the difference between stocks and mutual funds?
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Stocks represent ownership in a single company, while mutual funds pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities.
• Stocks represent ownership in a single company, giving investors the potential for high returns but also higher risk.

• Mutual funds pool money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities, redu...read more
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Q4. Can you provide an introduction about yourself and share details about your family background?
Ans. 
I am a Relationship Manager with a strong background in finance and customer service. My family is supportive and close-knit.
• Experienced Relationship Manager in finance industry

• Skilled in customer service and building client relationships

• Close-knit and supportive family background
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Q1. Introduction, be prepared to have knowledge on your resume
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Q2. Mathematical questions like percentage
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Q3. Critical thinking. They asked a question with a given situation what you'll do .
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Q4. The past 4 days been climate be stroming . And current was cut off due to rain and flood , you have a important assignment to finish, what you'll do
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The test will comprise a total of 60 questions, divided as follows: 70% of the questions will focus on finance and accounting, while the remaining questions will cover aptitude and English.

Q1. Zero coupon bonds, long-term liabilities, return on equity, debt-equity ratio, captial budgeting and techniques, bonds and its types, debt instruments meaning, collateral, mortgage, spin off, demerger, mer...read more
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This is a protracted test in which it has section like math, reasoning, english, listening and speaking test.

Q1. Walk me through your resume (which means to give a self intro of yours)
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I am a finance professional with experience in investment operations outsourcing.
• I have a Bachelor's degree in Finance from XYZ University.

• I have worked as an analyst at ABC Investment Firm for 3 years, where I managed investment operations outsourcing for clients.

• I am proficient in using various financial software and tools such as Bloomberg and Excel.

• I have strong analytical and problem-solving skills, which have hel...read more
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Q2. Structure of stock market
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Stock market is a platform where securities like stocks and bonds are bought and sold.
• Stock market is a place where investors buy and sell shares of publicly traded companies.

• It provides a platform for companies to raise capital by issuing stocks to the public.

• Stock markets can be physical locations (e.g. New York Stock Exchange) or virtual (e.g. NASDAQ).

• Prices of stocks are determined by supply and demand, influenced ...read more
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Q3. Questions regarding your summer internship work
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Q4. Non academic questions like what are your personal long term goals, if you could work long hours, rotational shift and all
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Q5. Difference between equity and debt financial instrument (and also have knowledge of different financial instruments)
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Q6. Types of financial derivatives
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Financial derivatives are contracts whose value is derived from the performance of an underlying asset, index, or rate.
• Types include options, futures, forwards, and swaps

• Options give the holder the right, but not the obligation, to buy or sell an asset at a specified price before or on a specified date

• Futures are standardized contracts to buy or sell an asset at a specified price on a specified date in the future

• Forwar...read more
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Q7. About company and questions on job description
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Basic qsns and answers and personality test

Q1. Family background question
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Q2. My hobbies and other things
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Q3. Discussion on family
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Q4. Work and course related
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Q5. Fresher so basic questions
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