Troikaa Pharmaceuticals Junior Officer Interview Questions and Answers

Basic aptitude test and some psychological games.

2 programs to solve.

It's was not to much tough

Q1. Introduction About ur profile Gap occurs so why? Ur unrelated previous job experience.
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Q1. Ur profession scenarios q Diseases Medical terms Medicine/drug Treatment
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Q1. Difference between Cmbs vs Rmbs
Ans. 
CMBS are securities backed by commercial mortgages, while RMBS are securities backed by residential mortgages.
• CMBS are backed by commercial properties such as office buildings, shopping centers, and hotels.

• RMBS are backed by residential properties such as single-family homes, condos, and townhouses.

• CMBS tend to have higher loan amounts and lower prepayment rates compared to RMBS.

• RMBS are more sensitive to changes in in...read more
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Q2. Why you want to work Morningstar
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Q3. Difference between bankruptcy and insolvency
Ans. 
Bankruptcy is a legal process where a person or business is unable to repay debts, while insolvency refers to a financial state of being unable to pay debts.
• Bankruptcy is a legal status declared by a court when a person or business cannot repay debts.

• Insolvency is a financial state where a person or business is unable to pay debts as they become due.

• Bankruptcy involves a formal legal process, while insolvency is a fina...read more
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Q4. Prepayment risk meaning
Ans. 
Prepayment risk refers to the risk that borrowers will pay off their loans earlier than expected, resulting in a loss of future interest payments for the lender.
• Prepayment risk is common in mortgage-backed securities, where homeowners can refinance their mortgages at lower interest rates, causing the investor to lose out on expected interest income.

• It can also occur in bonds or other fixed-income securities when intere...read more
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Q5. What is asset backed security and how is different from CMBS
Ans. 
Asset backed security is a type of financial security backed by a pool of assets, while CMBS specifically refers to securities backed by commercial real estate loans.
• Asset backed securities are backed by a variety of assets such as credit card receivables, auto loans, or student loans.

• CMBS are specifically backed by commercial real estate loans, such as office buildings, shopping centers, or hotels.

• Asset backed securit...read more
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Q6. What has more prepayment risk CMBS, RMBS, ABS
Ans. 
CMBS has more prepayment risk compared to RMBS and ABS.
• CMBS (Commercial Mortgage-Backed Securities) typically have higher prepayment risk due to the nature of commercial real estate loans.

• RMBS (Residential Mortgage-Backed Securities) have lower prepayment risk compared to CMBS as residential mortgages are less likely to prepay.

• ABS (Asset-Backed Securities) generally have lower prepayment risk as the underlying assets m...read more
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First step is aptitude test . This questions are easy.

In that aptitude test another section is coding question(2 questions)

Q1. They generally ask basic questions like- what is stack? some queries in SQL
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Q2. How to create login form in html?

Ans. 

To create a login form in HTML, use the

element with input fields for username and password.

• Use the element to create the form.

• Add elements for username and password fields.

• Set the 'type' attribute of the input fields to 'text' or 'password'.

• Include a submit button using the element with 'type' set to 'submit'.

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