Utkarsh Small Finance Bank Assistant Manager 1 Interview Questions and Answers

Q1. How to sale any product
Ans. 
To sell any product, one must understand the target audience, highlight the benefits, and create a sense of urgency.
• Identify the target audience and their needs

• Highlight the unique benefits and features of the product

• Create a sense of urgency through limited time offers or scarcity

• Use persuasive language and storytelling to connect with the audience

• Provide excellent customer service to build trust and loyalty
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Q2. Proper knowledge of yourself, about co. And their work
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Q1. How to sell any product to the person.
Ans. 
To sell any product to a person, understand their needs and show how your product can fulfill those needs.
• Listen to the customer and understand their requirements

• Highlight the benefits of the product that align with the customer's needs

• Create a sense of urgency by emphasizing the limited availability or time-sensitive nature of the product

• Offer a solution to any objections or concerns the customer may have

• Provide excel
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Q1. Personal information, documents verification
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Q1. What is working capital
Ans. 
Working capital is the difference between a company's current assets and current liabilities.
• Working capital is essential for a company's day-to-day operations.

• It indicates the company's ability to meet its short-term financial obligations.

• Formula: Working Capital = Current Assets - Current Liabilities

• Examples: Cash, accounts receivable, inventory are current assets. Accounts payable, short-term loans are current liabi
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Q2. What is DSCR Ratio
Ans. 
DSCR Ratio is Debt Service Coverage Ratio, a financial metric used to measure a company's ability to cover its debt obligations.
• DSCR Ratio is calculated by dividing a company's operating income by its total debt service payments.

• A DSCR Ratio of 1 or higher indicates that a company is generating enough income to cover its debt payments.

• Lenders typically look for a DSCR Ratio of 1.25 or higher when evaluating a company's
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About casa portfolio

Q1. About casa funding
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Q2. Fd tpp product
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Q1. Questions related to Fund accounting
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Q2. Journal entries
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Q3. Trade life cycle
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Q4. Fees and expenses
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Q1. Strengths n weakness
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Quants, LRDI, General Knowledge, Sales Aptitude

Situation based topic where they check interpersonal skills

Q1. HR questions and Resume Based
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Q2. Banking Operations, Banking Awareness, Sales Skill
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Q3. About lifestyle and health
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Q1. Maths and english
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Q1. Bank for agriculture and small scale industries?
Ans. 
NABARD is a bank for agriculture and small scale industries.
• NABARD stands for National Bank for Agriculture and Rural Development.

• It was established in 1982.

• It provides financial and technical assistance to farmers, rural development agencies, and small scale industries.

• It also promotes sustainable agriculture and rural development.

• Examples of its schemes include Dairy Entrepreneurship Development Scheme, Micro Irrigat
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Q2. As i was punjabi , they asked me about Punjab CM and recent news about Punjab?
Ans. Bhagwant man is CM of punjab and he was hospitalized for some kind of stomach infection , he is also got married second time.
Answered by ਹਰਪਾਲ ਸਿੱਘ
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Q3. Family Background? and how will you manage if we post you somewhere far from home?
Ans. Be ready to relocate yourself all over india , i told them that i am ready to relocate myself anywhere in India and also as i live in a joined family so there will not be any problem if i stay alone there.
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Q4. Types of Banks? and Private banks established after 1991?
Ans. 
Types of banks include commercial, investment, and central banks. Private banks established after 1991 include HDFC, ICICI, and Axis Bank.
• Types of banks: commercial, investment, central

• Private banks established after 1991: HDFC, ICICI, Axis Bank

• Commercial banks offer services to individuals and businesses

• Investment banks offer services related to securities and investments

• Central banks regulate monetary policy and over...read more
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Q5. If you customer is unhappy with some sort of your behaviour and wants to Join SBI how will you convience him/her?
Ans. 
I would apologize for any behavior that caused dissatisfaction and highlight the benefits of banking with SBI.
• Listen to the customer's concerns and acknowledge their feelings

• Apologize for any behavior that caused dissatisfaction

• Explain how SBI can meet their banking needs and offer better services

• Provide examples of satisfied customers who switched to SBI

• Assure the customer of excellent customer service and support

• Offe...read more
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Banking regulation act nationalization rbi loans casa etc

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