Shubham K Mart Head Cashier Interview Questions and Answers for Experienced

Mangalwar pet Raichur

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Comprehensive technique to judge the suitability of an individual and his appropriateness for admission, scholarship, job,

Q1. Understand an interviewee's various aspects, including their qualifications, abilities, interests, willingness for the job role, etc. Purpose
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Paint a picture of what you have to offer and how you'll be successful in that role based on these qualifications. Discuss the company's mission or vision and how you genuinely align yourself to it.
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Q2. Tell me about your your self
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describe your current situation, your past job experience, the reason you're a good fit for the role, and how you align with the company values. Tell the interviewer about your current position and a recent big accomplishment or positive feedback you received.3
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Q3. Why should we hire you
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should be hired for this role because of my relevant skills, experience, and passion for the industry. I've researched the company and can add value to its growth. My positive attitude, work ethics, and long-term goals align with the job requirements, making me a committed and valuable asset to the company.”
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Q4. Know the company
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Q5. What are you strength
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Q1. An interview to assess your technical ability for the role, and the depth and breadth of your knowledge in your chosen
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Q1. Tell me about yourself.?
Ans. Hii I'm shalini, I'm from Kolkata, West Bengal, I complete my bachelor management course jd women's college from patliputra University,patna . First of all I want to introduce my self with my soft skills, I m very confident nd hard working person, I m always ready to learning new new things nd have a positive mind set .
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Q2. How do you handle, stress , pressure nd anxiety?
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Q3. Is there anything that makes you different from other candidates.?
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Q4. Where do you see yourself in the next 5 years?
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Q5. What are your strengths?
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Q6. Why are you interested in this job.?
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Q1. Would you like to work overtime or odd hours.?
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Q1. About your self.
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Q2. What is your expectations?
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Q1. Brief me about yourself
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I am a detail-oriented and organized individual with experience in accounting and cash handling.
• I have a degree in accounting and have worked as an accounts executive for 3 years.

• I am proficient in using accounting software such as QuickBooks and Excel.

• I have experience in handling cash transactions and reconciling cash registers.

• I am a team player and have excellent communication skills.

• I am always willing to learn an
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Q2. Why do you want to join the banking sector.
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I am passionate about finance and banking, and I believe that the banking sector offers a challenging and rewarding career.
• I have a strong interest in finance and banking

• I am excited about the opportunity to work in a dynamic and fast-paced environment

• I believe that the banking sector offers a challenging and rewarding career

• I am eager to learn and grow in my career

• I am confident that my skills and experience make me a
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Q3. What are the types of accounts in a bank.
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Types of accounts in a bank include savings, current, fixed deposit, recurring deposit, and NRI accounts.
• Savings account: for individuals to save money and earn interest

• Current account: for businesses to carry out transactions

• Fixed deposit account: for individuals to deposit a lump sum for a fixed period of time and earn higher interest

• Recurring deposit account: for individuals to deposit a fixed amount of money every ...read more
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Q4. What are the necessary documents a person requires to open an account in a bank?
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To open a bank account, a person requires necessary documents such as ID proof, address proof, and passport size photographs.
• ID proof such as Aadhaar card, PAN card, Voter ID card, or Passport

• Address proof such as Aadhaar card, Voter ID card, Passport, or utility bills

• Passport size photographs

• In case of a joint account, the documents of all the account holders are required
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Q5. What are the 3 types of commercial bank?
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The 3 types of commercial banks are retail or consumer banks, corporate or business banks, and investment banks.
• Retail or consumer banks cater to individual customers and provide services like savings accounts, loans, and credit cards.

• Corporate or business banks serve the financial needs of businesses and corporations, offering services like commercial loans, cash management, and trade finance.

• Investment banks speciali...read more
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Q6. What is loan grading?
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Loan grading is a process of evaluating the creditworthiness of a borrower and assigning a risk rating to the loan.
• Loan grading helps lenders to assess the risk associated with a loan and make informed decisions.

• It involves analyzing various factors such as the borrower's credit history, financial statements, collateral, and industry trends.

• The grading system typically ranges from A to D, with A being the lowest risk a...read more
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Q7. What is the line of credit?
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Line of credit is a flexible borrowing arrangement between a borrower and a lender.
• It is a pre-approved loan amount that can be borrowed as needed.

• Interest is only charged on the amount borrowed, not the entire credit limit.

• It is often used by businesses to manage cash flow or for short-term financing.

• Examples include credit cards, home equity lines of credit, and business lines of credit.
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Q8. How bank's earn a profit?
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Banks earn profit through various means such as interest on loans, fees, and investments.
• Interest on loans and credit cards

• Fees for services such as ATM usage, overdrafts, and wire transfers

• Investments in stocks, bonds, and other financial instruments

• Charging higher interest rates on loans than they pay on deposits

• Foreign exchange transactions

• Mortgage banking

• Credit card interchange fees

• Merchant services

• Wealth managemen
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Q9. What is the card based payment?
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Card based payment is a method of making transactions using debit or credit cards.
• Card based payment involves the use of debit or credit cards to make transactions.

• The card is swiped or inserted into a card reader and the payment is processed.

• Card based payments are widely used in retail stores, online shopping, and for bill payments.

• Examples of card based payment systems include Visa, Mastercard, and American Express.
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Q10. What are the different types of fixed deposit?
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There are mainly two types of fixed deposit - cumulative and non-cumulative.
• Cumulative fixed deposit - interest is compounded annually and paid at maturity

• Non-cumulative fixed deposit - interest is paid at regular intervals (monthly, quarterly, half-yearly, or annually)

• Tax-saving fixed deposit - offers tax benefits under Section 80C of the Income Tax Act

• Senior citizen fixed deposit - offers higher interest rates to sen...read more
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Q11. What is a home equity loan?
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A home equity loan is a type of loan where a borrower uses the equity in their home as collateral.
• Home equity loans allow homeowners to borrow money using the equity in their home as collateral.

• The loan amount is typically based on the difference between the home's current market value and the outstanding mortgage balance.

• Interest rates on home equity loans are usually lower than other types of loans because they are s...read more
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Q12. What is the interbank deposit?
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Interbank deposit is a transaction where one bank deposits funds into another bank's account.
• Interbank deposit is a common practice among banks to manage their liquidity.

• It helps banks to earn interest on their excess funds.

• Banks can also borrow from other banks through interbank deposits.

• Interbank deposits are usually short-term and can be withdrawn on demand.

• For example, Bank A deposits $10 million into Bank B's acco...read more
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Q1. What are the non performing assets of the company?
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Non performing assets are those assets which are not generating income or are not able to recover their cost.
• Non performing assets are also known as bad assets or non performing loans.

• These assets can include loans, investments, or properties.

• Examples of non performing assets include defaulted loans, foreclosed properties, and non performing stocks.

• Non performing assets can have a negative impact on a company's financi...read more
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Share banking working hours and work

Q1. Banking level questions
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Q2. What is icic bnk rating ambitions level working ?
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ICICI Bank aims to achieve high credit ratings to demonstrate financial stability and attract investors.
• ICICI Bank strives to maintain a strong credit rating to showcase financial health

• Higher credit ratings make the bank more attractive to investors

• Achieving high credit ratings reflects positively on the bank's financial stability

• ICICI Bank's rating ambitions indicate a focus on maintaining a strong financial position
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