Utkarsh Small Finance Bank Interview Questions, Process, and Tips

Q1. Tell me about yourself
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Q2. How to identify fake note
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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
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Q3. What is CRR, SLR and Repo Rate
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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...read more
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Q1. What is the best achievement
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Q2. What is your work experience
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Q3. What to profile customer
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Q4. How to convert customer for opening of account
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Q1. What is your achievements
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Q2. How many years of experience in this field
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Case study Details- Behavioral Case study round in which we are assessed on our performance of closing the leads of our products

Case analysis franchise

Case study product details & the budget for the whole year for example Rs 10000*12= 1 lakh 50000 whole year

Product Sales- Casa products Current Account & Savings Account products like credit cards, debit card & other financial services products like insurance, passbooks, locker & gold loans

Personal Form Filling- Name/Damayanti Suvam Banerjee
Martial Status/Married/Unmarried
Age-32
Place of Address-Mumbai & Navi Mumbai India

Thesis content on financial calculation & product details

Thesis continuation content

Q1. Can you tell me about yourself?
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Q2. What were your responsibilities in your previous job?
Ans. 
In my previous role, I managed customer inquiries, resolved issues, and ensured a high level of satisfaction.
• Handled customer inquiries via phone, email, and chat, ensuring timely responses.

• Resolved customer complaints by identifying issues and providing effective solutions, such as offering refunds or replacements.

• Maintained detailed records of customer interactions to track issues and follow up as necessary.

• Collabora...read more
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Q3. What are NEFT and RTGS?
Ans. 
NEFT and RTGS are electronic payment systems in India for transferring funds between banks.
• NEFT (National Electronic Funds Transfer) allows for batch-wise fund transfers, typically settled in hourly batches.

• RTGS (Real-Time Gross Settlement) enables real-time, high-value fund transfers without any waiting period.

• NEFT is suitable for smaller transactions, while RTGS is used for larger amounts, often above ₹2 lakh.

• For exa...read more
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