Utkarsh Small Finance Bank
90+ Vantara Animal Kingdom Interview Questions and Answers
Q1. what is the rate of interest of housing loan in icici bank ltd?
The rate of interest for housing loan in ICICI Bank Ltd varies based on multiple factors.
The interest rate for housing loan in ICICI Bank Ltd ranges from 6.70% to 8.05% depending on the loan amount, tenure, and borrower's credit score.
ICICI Bank Ltd also offers special interest rates for women borrowers and balance transfer of existing home loans.
The bank also provides a home loan EMI calculator on their website to help borrowers calculate their monthly installments.
The inter...read more
Q2. Which document is mandatory for in case of the partnership firm
Partnership deed is mandatory for a partnership firm
Partnership deed is a legal document that outlines the terms and conditions of the partnership
It includes details such as the name of the firm, the names of the partners, their capital contributions, profit sharing ratio, etc.
It is important to have a partnership deed to avoid any disputes or misunderstandings between the partners
It is also required for registration of the partnership firm with the Registrar of Firms
Partners...read more
Q3. What is the three pillar of the any loan eligibility
The three pillars of loan eligibility are credit score, income, and collateral.
Credit score: A good credit score indicates a borrower's ability to repay the loan.
Income: Sufficient income is necessary to ensure timely loan repayments.
Collateral: Providing collateral reduces the risk for the lender and increases loan eligibility.
Example: A person with a high credit score, stable income, and valuable collateral has a higher chance of loan approval.
Q4. Do you have basic knowledge of computer?
Yes, I have basic knowledge of computers.
Proficient in using Microsoft Office Suite
Familiar with operating systems like Windows and macOS
Able to troubleshoot common computer issues
Knowledge of internet browsing and email usage
Q5. How to assess the income of Assess the SENP segment
Assessing income of SENP segment
Analyze income sources such as salary, investments, and rental income
Consider debt-to-income ratio and credit history
Look at demographic data and economic trends in the area
Use financial statements and tax returns to verify income
Compare income to expenses and debt obligations
Q6. What measurements previous employer taken after infamous Cobra Post operation?
The previous employer took several measures after the infamous Cobra Post operation.
Implemented stricter security protocols to prevent similar incidents
Conducted thorough internal investigations to identify any involvement or negligence
Enhanced employee training programs on ethical practices and compliance
Strengthened partnerships with regulatory authorities to ensure adherence to industry standards
Established a whistleblower hotline to encourage reporting of any unethical be...read more
Q7. Tell me something about Utkarsh Small Finance Bank
Utkarsh Small Finance Bank is a small finance bank in India.
It was founded in 2016 and is headquartered in Varanasi, India.
It offers a range of banking products and services including savings accounts, current accounts, fixed deposits, and loans.
The bank has a network of over 500 branches and banking outlets across India.
It focuses on providing financial services to the unbanked and underbanked segments of society, particularly in rural and semi-urban areas.
Utkarsh Small Fina...read more
Q8. What is the difference between soiled note and mutilated notes.
Soiled notes are dirty or stained, while mutilated notes are damaged or torn.
Soiled notes refer to currency that is dirty, stained, or contaminated with substances like ink, oil, or dirt.
Mutilated notes are currency that is damaged, torn, or partially destroyed.
Soiled notes can still be used for transactions, but mutilated notes are usually unfit for circulation and need to be replaced.
Examples of soiled notes include currency with ink stains, dirt marks, or discoloration.
Exa...read more
Q9. How will you source the business and what is your stretegy
I will source business through networking, referrals, and targeted marketing. My strategy is to build strong relationships and provide excellent customer service.
Networking with industry professionals and attending events
Asking for referrals from satisfied clients
Targeted marketing through social media and email campaigns
Building strong relationships with clients and providing excellent customer service
Identifying potential clients through market research
Q10. What is underwriting
Underwriting is the process of evaluating the risk of a loan or investment and determining if it meets the lender's criteria.
Underwriting involves analyzing financial statements, credit reports, and other relevant information to determine the borrower's ability to repay the loan.
The underwriter also assesses the value of the collateral and the overall market conditions.
Examples of underwriting include mortgage underwriting, insurance underwriting, and investment underwriting....read more
Q11. How to check legal report and what is the incumbrance
To check legal report, obtain a copy from relevant authority and review for any legal issues. Incumbrance refers to any legal claims on property.
Obtain a copy of the legal report from relevant authority
Review the report for any legal issues such as pending lawsuits or liens
Incumbrance refers to any legal claims on property such as mortgages or unpaid taxes
Q12. what do you see recent developments in banking industry
Recent developments in the banking industry include digital banking, fintech innovations, and increased focus on cybersecurity.
Digital banking has become more prevalent, with customers being able to perform transactions and manage their accounts online or through mobile apps.
Fintech innovations have disrupted traditional banking models, with the emergence of online lenders, peer-to-peer payment platforms, and robo-advisors.
There is a growing emphasis on cybersecurity in the b...read more
Q13. What is CRR, SLR and Repo Rate
CRR, SLR and Repo Rate are monetary policy tools used by central banks to regulate the economy.
CRR (Cash Reserve Ratio) is the percentage of deposits that banks are required to keep with the central bank. It is used to control inflation and liquidity in the economy.
SLR (Statutory Liquidity Ratio) is the percentage of deposits that banks are required to maintain in the form of liquid assets such as government securities. It is used to ensure the solvency of banks and to contro...read more
Q14. Initiative taken for training and development regarding KYC AML CFT field?
Initiatives taken for KYC AML CFT training and development
Conducted regular training sessions for employees on KYC AML CFT regulations
Provided access to online courses and resources for self-learning
Organized workshops and seminars with industry experts
Encouraged employees to obtain relevant certifications
Implemented a mentorship program for new hires in the field
Q15. How bank generate income from saving account?
Banks generate income from saving accounts through interest rates and fees.
Banks offer interest rates on savings accounts, which is a percentage of the account balance paid to the account holder.
Banks may charge fees for certain transactions or services related to the savings account.
Banks may also invest the funds from savings accounts to generate additional income.
The income generated from savings accounts is a source of revenue for the bank.
Q16. What you find the in technical report
Technical reports should contain accurate and detailed information about a specific topic.
Technical reports should have a clear and concise title
The report should have an introduction that outlines the purpose and scope of the report
The report should contain accurate and detailed information about the topic
The report should have a conclusion that summarizes the findings and recommendations
The report should be well-organized and easy to read
The report should include any releva...read more
Q17. What is the portfolio you are handling?
I am currently handling a diverse portfolio consisting of financial products and services.
Managing a team of financial advisors and overseeing their performance
Developing and implementing strategies to increase client acquisition and retention
Providing personalized financial advice and solutions to clients
Monitoring market trends and analyzing investment opportunities
Ensuring compliance with regulatory requirements and company policies
Q18. Have you explain the working of Pivot table
Pivot table is a data summarization tool used in spreadsheets to analyze and summarize large amounts of data.
Pivot table allows users to quickly summarize and analyze large amounts of data
Users can easily group data by different categories and analyze trends
Pivot table can perform calculations such as sum, average, count, etc. on the grouped data
Pivot table is a powerful tool for data analysis and reporting
Example: A sales team can use pivot table to analyze sales data by reg...read more
Q19. How you can make 250 cr portfolio in new branch.
To make a 250 cr portfolio in a new branch, focus on building strong relationships with clients, offering a diverse range of investment options, and implementing effective marketing strategies.
Develop a comprehensive client acquisition strategy
Build strong relationships with potential clients through personalized interactions
Offer a diverse range of investment options to cater to different risk appetites
Implement effective marketing strategies to attract new clients
Leverage t...read more
Q20. What is your client base and what is your sourcing for Current and what is Private limited and LLP firm documents for account opening regarding
Client base includes Current, Private Limited, and LLP firms. Documents required for account opening vary based on the type of firm.
Client base includes Current, Private Limited, and LLP firms
Documents required for account opening differ for each type of firm
For Current accounts, documents like PAN card, address proof, and identity proof are required
For Private Limited firms, documents like Certificate of Incorporation, Memorandum of Association, and Board Resolution are need...read more
Q21. What is the difference between cuurent and saving a/c?
Current account is for frequent transactions while savings account is for saving money.
Current account is meant for business transactions while savings account is for personal use.
Current account usually has higher minimum balance requirements than savings account.
Current account may offer overdraft facility while savings account usually does not.
Savings account usually earns interest while current account does not.
Examples of current account holders are businesses, companies...read more
Q22. What are behavioural alerts?
Behavioural alerts are notifications triggered by certain actions or patterns of behaviour.
They are used in various industries, such as finance and security, to detect potential fraud or threats.
Examples include alerts for unusual spending patterns on a credit card or suspicious activity on a network.
Behavioural alerts can be customized to fit specific needs and can be automated for real-time monitoring.
They rely on data analysis and machine learning algorithms to identify ab...read more
Q23. What is the source of income of bank?
Banks earn income through various sources including interest on loans, fees for services, and investments.
Interest on loans
Fees for services such as account maintenance, ATM usage, and wire transfers
Investments in stocks, bonds, and other financial instruments
Credit card interest and fees
Foreign exchange transactions
Mortgage servicing fees
Merchant services
Insurance products
Wealth management services
Q24. How to identify fake note
To identify fake notes, one should look for security features and compare with genuine notes.
Check for watermarks, security threads, and color-shifting ink
Feel the texture of the note, genuine notes have a distinct feel
Compare the note with a genuine note of the same denomination
Use UV light to check for fluorescent features
Look for spelling errors or blurry printing
Be wary of notes that are too crisp or too worn out
Q25. What will you do if a client does not pay the amount to the bank?
If a client does not pay the amount to the bank, I would follow up with reminders, offer payment plans, escalate to a supervisor, and as a last resort, initiate legal action.
Follow up with reminders via phone calls, emails, or letters.
Offer payment plans or negotiate a settlement to make it easier for the client to pay.
Escalate the issue to a supervisor or manager for further action.
As a last resort, initiate legal action such as sending a demand letter or filing a lawsuit.
Ma...read more
Q26. How would you cater the day to day activities?
I would prioritize tasks based on urgency and importance, delegate responsibilities, and ensure smooth functioning of daily operations.
Create a to-do list and prioritize tasks based on urgency and importance
Delegate responsibilities to team members based on their strengths and workload
Ensure smooth functioning of daily operations by monitoring progress and addressing any issues
Maintain open communication with team members and other departments
Regularly review and update proce...read more
Q27. How to identify fraud profile?
Q28. What is employee engagement in HR
Employee engagement is the emotional commitment an employee has to their organization and its goals.
It involves creating a positive work environment
Encouraging open communication and feedback
Providing opportunities for growth and development
Recognizing and rewarding employees for their contributions
Examples include team building activities, employee surveys, and career development programs
Q29. What are the types of accounts in a bank ?
Types of accounts in a bank include savings accounts, checking accounts, money market accounts, and certificates of deposit.
Savings accounts: Earn interest on deposited funds, typically used for long-term savings goals.
Checking accounts: Used for everyday transactions like paying bills and making purchases.
Money market accounts: Offer higher interest rates than savings accounts but may have higher minimum balance requirements.
Certificates of deposit (CDs): Fixed-term accounts...read more
Q30. Your Audit score and operations dealings.
I have consistently maintained high audit scores and effectively managed operations.
I have a track record of achieving high audit scores through meticulous attention to detail and adherence to policies and procedures.
I have implemented efficient processes and procedures to streamline operations and improve productivity.
I have effectively managed teams to ensure smooth operations and timely completion of tasks.
I have maintained open communication with stakeholders to address a...read more
Q31. How many trigger in bank statement?
Q32. Work experience and how to mannage your branch compalance
Managing branch compliance requires experience and attention to detail.
Maintain accurate records and documentation
Stay up-to-date with regulatory changes
Train staff on compliance policies and procedures
Conduct regular audits and risk assessments
Address any compliance issues promptly and thoroughly
Q33. What is labour Law in Banking terms
Labour Law in Banking terms refers to the regulations and laws that govern the relationship between banks and their employees.
Labour laws ensure that banks provide a safe and healthy work environment for their employees
They also regulate working hours, wages, and benefits for bank employees
Labour laws also protect the rights of bank employees, such as the right to form unions and engage in collective bargaining
Examples of labour laws in banking include the Fair Labor Standard...read more
Q34. Please explain the bank and bank functions
A bank is a financial institution that accepts deposits from the public and creates credit. Its functions include providing loans, accepting deposits, and facilitating transactions.
Banks accept deposits from customers and pay interest on them
They provide loans to individuals and businesses
Banks facilitate transactions such as wire transfers, bill payments, and ATM withdrawals
They offer various financial services such as investment advice, insurance, and credit cards
Banks are ...read more
Q35. How to presentation behind costumer our product
Presenting our product to customers involves highlighting its features, benefits, and value proposition in a clear and engaging manner.
Understand the customer's needs and tailor your presentation to address them
Highlight the unique features and benefits of the product
Use visuals, demonstrations, and testimonials to make the presentation more engaging
Clearly communicate the value proposition and how the product can solve the customer's problems
Be prepared to answer any questio...read more
Q36. What do you know about Utkarsh small finance bank
Utkarsh Small Finance Bank is a small finance bank in India.
It was founded in 2016 and is headquartered in Varanasi, Uttar Pradesh.
It offers a range of banking products and services including savings accounts, current accounts, fixed deposits, and loans.
The bank primarily serves the unbanked and underbanked segments of society.
It has a network of over 500 branches and banking outlets across India.
Utkarsh Small Finance Bank is committed to financial inclusion and empowering th...read more
Q37. Did you handled deceased claim ?
Yes, I have experience handling deceased claims in my previous role as a Branch Operations Manager.
Managed deceased claims by coordinating with families, funeral homes, and insurance companies
Ensured all necessary paperwork and documentation were completed accurately and efficiently
Provided support and guidance to grieving families during the claims process
Handled sensitive information with confidentiality and empathy
Q38. What are the documents required for bank account opening?
Documents required for bank account opening include proof of identity, proof of address, and passport-sized photographs.
Proof of identity (e.g. passport, driver's license, PAN card)
Proof of address (e.g. utility bill, Aadhar card, rental agreement)
Passport-sized photographs
Q39. what is clean note policy?
Clean note policy refers to the practice of ensuring that all notes and documents are free from errors, corrections, and illegible handwriting.
Ensures that all notes are legible and accurate
Requires proper documentation practices to maintain clarity and professionalism
Helps prevent misunderstandings and errors in communication
Examples: using electronic medical records, double-checking handwritten notes for accuracy
Q40. What is TDS rate of professional fees and technical services
TDS rate for professional fees and technical services varies from 2% to 10% depending on the nature of the payment.
TDS rate for professional fees is usually 10%
TDS rate for technical services can range from 2% to 10%
The exact TDS rate depends on the nature of the payment and the provisions of the Income Tax Act
TDS rates are subject to change as per government regulations
Q41. What is your emition for your future ?
My ambition for the future is to become a successful Relationship Officer, helping clients build strong and lasting relationships with the organization.
To excel in customer service and communication skills
To develop a deep understanding of financial products and services
To build a strong network of clients and maintain long-term relationships
Q42. What type fraud keep aside recently?
Q43. minimum emplyee strength for ESIC registration
Minimum employee strength for ESIC registration is 10.
ESIC registration is mandatory for establishments with 10 or more employees.
Employees earning less than Rs. 21,000 per month are eligible for ESIC benefits.
ESIC provides medical, disability, maternity, and other benefits to employees.
Employers are required to contribute 4.75% of the employee's salary towards ESIC.
ESIC registration can be done online through the ESIC portal.
Q44. What about your banking knowledge
I have a strong understanding of banking products, services, and processes.
Extensive knowledge of various banking products such as savings accounts, loans, and credit cards
Familiarity with banking processes like account opening, fund transfers, and bill payments
Understanding of banking regulations and compliance requirements
Experience in handling customer inquiries and resolving issues efficiently
Q45. What is the trigger in itr?
Q46. Is there growth in the banking industry or not ?
Yes, the banking industry is experiencing growth.
The banking industry is constantly evolving with the introduction of new technologies and services.
There is an increasing demand for digital banking services, which has led to the growth of online banking.
The rise of fintech companies has also contributed to the growth of the banking industry.
Banks are expanding their services to cater to a wider range of customers, such as small businesses and millennials.
The global banking in...read more
Q47. What is saving account?
A savings account is a type of bank account where you can deposit and withdraw money, earn interest on the balance, and usually have limited transactions.
Savings account is a type of deposit account offered by banks and credit unions
It allows you to save money and earn interest on the balance
The interest rate is usually lower than other investment options
There are often limits on the number of transactions you can make per month
Savings accounts are FDIC insured up to $250,000...read more
Q48. what is pivot table in excel
A pivot table is a data summarization tool used in Excel to condense and analyze large amounts of data.
Pivot tables allow users to quickly and easily summarize and analyze large amounts of data
They can be used to group data by categories, such as dates, products, or regions
Users can also apply filters to pivot tables to focus on specific subsets of data
Pivot tables can be customized with different calculations and formatting options
They are a powerful tool for data analysis a...read more
Q49. what is nbfc organization
NBFC stands for Non-Banking Financial Company.
NBFCs are financial institutions that offer banking services without holding a banking license.
They provide loans, credit facilities, and other financial services to individuals and businesses.
NBFCs are regulated by the Reserve Bank of India (RBI) and are required to maintain a minimum amount of capital.
Examples of NBFCs in India include Bajaj Finance, Mahindra & Mahindra Financial Services, and L&T Finance Holdings.
Q50. What is cts clearing
CTS clearing is a system used for clearing cheques electronically.
CTS stands for Cheque Truncation System
It is used to reduce the time taken for cheque clearance
CTS clearing involves scanning the cheque and sending the image electronically for clearance
It is a secure and efficient way of clearing cheques
Q51. what is limit for RTGS
The limit for RTGS (Real Time Gross Settlement) varies depending on the bank and account type.
RTGS limits are set by individual banks based on factors such as account type, customer profile, and transaction history.
Limits can range from a few lakhs to several crores depending on the bank's policies.
Customers can request for higher RTGS limits based on their needs and eligibility.
RTGS limits may also vary for corporate accounts compared to individual accounts.
Q52. What is anti money laundering?
Anti money laundering refers to a set of laws, regulations, and procedures intended to prevent criminals from disguising illegally obtained funds as legitimate income.
It involves identifying and verifying the identity of customers and monitoring their financial transactions.
It aims to detect and report suspicious activities that may indicate money laundering or terrorist financing.
Financial institutions and other regulated entities are required to implement anti-money launder...read more
Q53. How we calculate Gratuity
Gratuity is calculated based on an employee's last drawn salary and years of service.
Gratuity is a lump sum payment made to an employee at the end of their employment.
It is calculated as 15 days of salary for each completed year of service.
The salary used for calculation is the last drawn salary, including basic salary and dearness allowance.
Gratuity is applicable to all employees who have completed 5 years of continuous service.
In case of death or disablement, gratuity is pa...read more
Q54. How to modify TDS challan in Traces portal
To modify TDS challan in Traces portal, login to Traces portal, go to 'Statement/Payments' tab, select 'Challan Correction' and make necessary modifications.
Login to Traces portal
Go to 'Statement/Payments' tab
Select 'Challan Correction'
Make necessary modifications
Submit the corrected challan
Q55. How to prepare MIS Report
MIS report can be prepared by collecting relevant data, organizing it in a structured format and presenting it in a clear and concise manner.
Identify the purpose and scope of the report
Gather relevant data from various sources
Organize the data in a structured format such as tables, charts or graphs
Ensure accuracy and completeness of data
Present the data in a clear and concise manner
Include analysis and insights to aid decision-making
Regularly update and review the report to e...read more
Q56. What is sales
Sales is the process of selling products or services to customers in exchange for money or other forms of payment.
Sales involves identifying potential customers and convincing them to purchase a product or service
It requires effective communication and persuasion skills
Sales can be done through various channels such as in-person, online, or over the phone
The ultimate goal of sales is to generate revenue for the company
Examples of sales include selling cars, insurance policies...read more
Q57. What is Conditional Formating ?
Conditional formatting is a feature in software applications that allows users to apply formatting to cells based on specified conditions.
Allows users to highlight important data based on specific criteria
Can be used to visually represent trends or outliers in data
Commonly used in spreadsheet programs like Microsoft Excel
Q58. which P is the most important one
The most important P is the customer's Problem.
Customer's problem should be the focus of the product
Solving the customer's problem leads to customer satisfaction and loyalty
Other P's like Price, Promotion, and Place are secondary to the customer's problem
Q59. What is money laundering?
Money laundering is the process of making illegally obtained money appear to have been obtained through legal means.
It involves disguising the proceeds of illegal activities as legitimate funds.
Money laundering can be done through various methods such as shell companies, offshore accounts, and real estate investments.
It is often associated with organized crime, drug trafficking, and terrorism financing.
Money laundering is a serious crime and is punishable by law.
Examples of m...read more
Q60. What is personal loan?
A personal loan is a type of unsecured loan that is issued by a bank or financial institution based on the borrower's creditworthiness.
Personal loans are typically used for various purposes such as debt consolidation, home improvements, or unexpected expenses.
They have fixed interest rates and repayment terms, and the borrower must make regular monthly payments until the loan is fully repaid.
Approval for a personal loan is based on the borrower's credit score, income, and deb...read more
Q61. How to handle fraud case?
Q62. Projects handled in past, software methodology,
I have handled various software projects in the past and have experience with Agile and Waterfall methodologies.
Managed a team of developers to create a mobile app using Agile methodology
Led a Waterfall project to develop a web-based CRM system for a client
Implemented Scrum framework to improve efficiency and communication within the team
Familiar with DevOps practices and continuous integration/continuous delivery (CI/CD)
Experience with both front-end and back-end development
Q63. How many years banking experience?
I have 10 years of banking experience.
I have worked in various roles in the banking industry for the past 10 years.
I started my career as a teller and gradually moved up to become a branch manager.
During my tenure, I have gained extensive knowledge of banking operations, customer service, and team management.
I have successfully led my team to achieve sales targets and improve customer satisfaction.
I am well-versed in financial products and services, compliance regulations, an...read more
Q64. What is your strength in accounts field
My strength in accounts field is my attention to detail and ability to analyze financial data.
I have a strong understanding of accounting principles and financial analysis
I am skilled in using accounting software and tools
I have experience in preparing financial statements and reports
I am able to identify and resolve discrepancies in financial data
I am able to work independently and as part of a team to meet deadlines
For example, in my previous role, I was responsible for rec...read more
Q65. How much customers hendling you
I have experience handling a large number of customers in my previous role as a customer service representative.
I have successfully managed a high volume of customer inquiries and requests on a daily basis.
I am skilled at multitasking and prioritizing customer needs to ensure efficient and satisfactory service.
I have experience resolving customer complaints and finding solutions to their problems.
I am comfortable working in a fast-paced environment and maintaining a positive ...read more
Q66. Your enterested work
I am interested in work that involves helping people and providing excellent customer service.
I enjoy interacting with people and finding solutions to their problems
I am passionate about delivering exceptional customer service
I am interested in learning about new products and services to better assist customers
I am motivated by the opportunity to make a positive impact on customers' experiences
I am excited about the prospect of working in a team-oriented environment
Q67. Distance issue if any?
No distance issue as long as operations can be managed remotely.
Operations can be managed remotely using technology.
Distance can be overcome by using video conferencing, email, and other communication tools.
Physical distance may require occasional travel, but it should not be a major issue.
Remote work has become more common and feasible due to advancements in technology.
Distance may also provide opportunities for expanding operations in new locations.
Q68. Working of Job Search
Job search involves identifying job opportunities, applying for them, and going through the interview process.
Identify job opportunities through job boards, networking, and referrals
Customize your resume and cover letter for each job application
Prepare for interviews by researching the company and practicing common interview questions
Follow up with employers after interviews to express continued interest
Consider working with a recruiter or career coach for additional support
Q69. Write Vlookup formula sentax
Vlookup formula syntax is used to search for a specific value in a table and return a corresponding value from another column.
The formula starts with =VLOOKUP(
The first argument is the value to search for.
The second argument is the table range to search in.
The third argument is the column number to return the value from.
The fourth argument is optional and specifies whether to use an exact or approximate match.
Q70. How to calculate technical value.
Technical value can be calculated by assessing the benefits and advantages of a product's technical features.
Identify the technical features of the product
Assess the benefits and advantages of each feature
Compare the technical value of the product with competitors
Consider the cost of the product in relation to its technical value
Q71. What is javascript program?
JavaScript is a programming language commonly used for creating interactive effects within web browsers.
JavaScript is a high-level, interpreted programming language.
It is used to make web pages interactive and dynamic.
JavaScript code can be embedded directly into HTML pages.
Commonly used for client-side web development.
Examples include form validation, interactive maps, and animations.
Q72. What is Pivot table?
A pivot table is a data summarization tool used in spreadsheet programs where data can be rearranged and summarized in various ways.
Pivot tables allow users to quickly summarize and analyze large datasets.
Users can rearrange rows and columns to view different perspectives of the data.
Aggregations such as sum, average, count, etc. can be applied to the data.
Users can easily create charts and graphs based on the pivot table results.
Example: In a sales dataset, a pivot table can...read more
Q73. What is Kyc?
KYC stands for Know Your Customer. It is a process of verifying the identity of a customer before providing them with a service.
KYC is a regulatory requirement in many industries such as banking, insurance, and telecommunications.
It involves collecting and verifying personal information such as name, address, and identification documents.
The purpose of KYC is to prevent fraud, money laundering, and terrorist financing.
Examples of KYC procedures include face-to-face verificati...read more
Q74. Rental budget of retail store
The rental budget of a retail store depends on various factors such as location, size, and amenities.
The location of the store plays a major role in determining the rental budget.
The size of the store also affects the rental budget.
Amenities such as parking, security, and accessibility can increase the rental budget.
The rental budget can vary greatly depending on the city and neighborhood.
Negotiating with the landlord can sometimes result in a lower rental budget.
Q75. Current GL Size; reason for change
The current GL size is $X and the reason for change is $Y.
The current GL size is $X, which is $Y compared to the previous year.
We have recently acquired a new business unit, which has led to an increase in GL size.
The reason for change is due to an increase in business activity and expansion into new markets.
We have implemented new accounting policies and procedures, which has led to a more detailed GL.
The GL size has decreased due to a reduction in business activity and cost...read more
Q76. Timing issue if any?
No timing issues currently exist.
There are no known timing issues at the moment.
We have implemented measures to prevent any potential timing issues.
Our team regularly monitors operations to ensure timely execution.
We have contingency plans in place to address any unexpected timing issues.
Q77. What is javascript?
JavaScript is a programming language commonly used for creating interactive effects within web browsers.
JavaScript is a high-level, interpreted programming language.
It is used to make web pages interactive and dynamic.
JavaScript can be embedded directly into HTML pages.
Commonly used for client-side scripting.
Examples include form validation, interactive maps, and dynamic content updates.
Q78. How many manage portfolio
I currently manage a portfolio of 5 projects.
I manage a portfolio of 5 projects, each with different timelines and objectives.
I prioritize tasks based on project deadlines and resource availability.
I regularly communicate with stakeholders to provide updates on project progress and address any issues.
I track project milestones and ensure that deliverables are met on time and within budget.
Q79. How to work in sales
Working in sales involves building relationships, understanding customer needs, and effectively communicating the value of products or services.
Develop strong communication and interpersonal skills
Understand the product or service being sold
Identify and target potential customers
Build and maintain relationships with clients
Negotiate and close deals effectively
Track and analyze sales data to improve performance
Q80. How to seles product
To sell a product, understand customer needs, highlight product benefits, build rapport, overcome objections, and close the sale.
Understand customer needs by asking questions and actively listening
Highlight product benefits and unique selling points
Build rapport and establish trust with the customer
Overcome objections by addressing concerns and providing solutions
Close the sale by asking for the order or offering incentives
Q81. What is NPA profile.
NPA profile refers to the classification of non-performing assets in a bank's loan portfolio.
NPA profile categorizes loans based on their repayment status.
It helps in identifying the level of risk in a bank's loan portfolio.
Examples of NPA categories include substandard assets, doubtful assets, and loss assets.
Q82. Relevance of past Exposure
The relevance of past exposure is important in assessing the candidate's suitability for the Advisory Manager role.
Past exposure provides insights into the candidate's experience and expertise in the field of advisory.
It helps evaluate the candidate's ability to handle complex situations and provide strategic advice.
Past exposure can demonstrate the candidate's understanding of industry trends and regulatory requirements.
It allows the interviewer to assess the candidate's tra...read more
Q83. Describe Banking Transaction.
Banking transaction refers to the transfer of funds between two or more bank accounts.
It involves the movement of money from one account to another
Transactions can be initiated through various channels such as online banking, mobile banking, ATM, or in-person at a bank branch
Common types of banking transactions include deposits, withdrawals, transfers, and payments
Transactions can be between accounts within the same bank or between different banks
Security measures such as aut...read more
Q84. types of P (marketing mix)
The 4 types of P in marketing mix are product, price, place, and promotion.
Product: the item or service being sold
Price: the cost of the product or service
Place: the location where the product or service is sold
Promotion: the marketing and advertising used to promote the product or service
Q85. What is the dtp Did
DTP stands for Desktop Publishing. It is a process of creating documents using page layout software on a personal computer.
DTP involves designing and formatting text, images, and graphics to create professional-looking documents.
It allows for precise control over the layout and design of documents.
Examples of DTP software include Adobe InDesign, QuarkXPress, and Microsoft Publisher.
Q86. Rate of interest
The rate of interest is the percentage of the principal amount charged by a lender for the use of its money.
Rate of interest is typically expressed as an annual percentage rate (APR).
It is determined by factors such as the borrower's credit score, loan term, and market conditions.
Higher credit scores usually result in lower interest rates.
Example: A loan with a 5% interest rate means the borrower will pay 5% of the principal amount in interest each year.
Q87. Write off customer
Writing off a customer means declaring their debt as uncollectible and removing it from the books.
Before writing off a customer, all possible efforts should be made to collect the debt.
The decision to write off a customer should be made after a thorough analysis of their financial situation.
The process of writing off a customer involves adjusting the accounts receivable balance and creating a bad debt expense.
Examples of reasons for writing off a customer include bankruptcy, ...read more
Q88. Tips of software?
Regularly update software, use reputable sources, backup data, be cautious of phishing scams.
Regularly update software to ensure security patches are in place
Only download software from reputable sources to avoid malware
Backup data regularly to prevent loss in case of software issues
Be cautious of phishing scams that may trick you into downloading malicious software
Q89. Full form of GST
GST stands for Goods and Services Tax.
GST is a comprehensive indirect tax levied on the supply of goods and services.
It has replaced multiple indirect taxes like VAT, excise duty, service tax, etc.
It has a dual structure with both central and state components.
It has different tax rates for different goods and services.
It has simplified the tax system and made it more transparent.
Example: A restaurant bill includes GST on the food and beverages served.
Q90. name 7 ps
The 7 Ps are a marketing mix framework that includes product, price, promotion, place, people, process, and physical evidence.
Product - the item or service being sold
Price - the cost of the product or service
Promotion - the marketing and advertising of the product or service
Place - the location where the product or service is sold
People - the employees and customers involved in the sale and use of the product or service
Process - the procedures and systems used to create and d...read more
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