Karur Vysya Bank Branch Incharge Interview Questions and Answers

IBPS type of exam , a little less hard

Be open to ideas and honest

Q1. RBI rates applicable in India
Ans. 
RBI rates in India refer to the interest rates set by the Reserve Bank of India for lending and borrowing of funds.
• RBI's key policy rates include the repo rate, reverse repo rate, and marginal standing facility rate.

• These rates influence the borrowing and lending rates for banks and ultimately impact the economy.

• For example, a decrease in the repo rate can lead to lower interest rates on loans for consumers and busines
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Q1. Different export finance
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Export finance refers to financial products and services that assist businesses in international trade transactions.
• Export finance can include trade credit insurance, export factoring, letters of credit, and export credit agencies.

• These financial products help mitigate risks associated with exporting goods and services to foreign markets.

• Export finance can also involve currency exchange services to manage foreign excha...read more
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The basic aptitude test conducted

A list of topics provided. The entire group unanimously picked up the single topic.

Q1. What are the important factors to consider when assessing a lending decision?
Ans. 
Important factors to consider when assessing a lending decision
• Borrower's credit history and credit score

• Income and employment stability of the borrower

• Debt-to-income ratio of the borrower

• Purpose of the loan and the borrower's ability to repay

• Collateral or assets provided by the borrower

• Interest rates and terms of the loan
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Q2. Various financial statements
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Q1. General discussion
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Q2. Experience
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Regional Head along with National Head

Q1. Salary discussion.
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Q1. Basic questions about current role
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Q1. Basic questions about current role
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Q2. Basic questions about current job
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Q1. 1st was telephonic round where the Product Head asked me about my profile .Job details ,salary expectations,Reason for change and basic questions like years of work experience and native place,Type of pro...read more
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Q1. A senior person took my interview questioned me for around 40-45 minutes or personal things also he asked like if I have children where will they study and asked me about details of the project and was con...read more
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