92 Idfc bank Interview Questions and Answers | HR, Technical & Aptitude Prep

20 common asked question in every interview

Ques:- Tell me about agriculture loans and how we give loans to farmers?

Asked In :- Everest Bank, KTTM, IFFCO Kisan Sanchar, Jiva Ayurveda, Gardiner & Theobald, GO Outdoors, BSM Group, Harris Global Enterprise, SplashGain, The Wine Rack,

Right Answer:
Agriculture loans are financial products designed to help farmers purchase equipment, seeds, livestock, or cover operational costs. To give loans to farmers, banks typically assess the farmer's creditworthiness, evaluate their business plan, and consider factors like land ownership, crop history, and market conditions. The loan process usually involves filling out an application, providing necessary documentation, and undergoing a risk assessment before approval.

Relationship Manager Retail Sales

Ques:- Do u have a bike

Asked In :- KTTM, MMU, Zydus Wellness, Jiva Ayurveda, LMAX, Miller & Carter, Klondyke Garden Centres, 1199 SEIU United Healthcare Workers East, SplashGain, Innobox,

Right Answer:
Yes, I have a bike.

Computer Basics Relationship Manager

Ques:- Why do you want to change your job?

Asked In :- Enovate IT Outsourcing, LuxuryEscapes, ExtraaEdge, jll, yes bank, deliveroo, idfc bank, veolia uk, airservices australia, keystone bank limited,

Right Answer:
I am looking for new challenges and opportunities for growth that align better with my career goals and skills.

Relationship Manager Stock Broking

Ques:- What is open ended and close ended funds?

Asked In :- Sun Dew Solutions, VALUEWING CONSULTANCY SERVICES (P), KTTM, Zydus Wellness, LMAX, Salford Royal NHS Foundation Trust, ENA Care Group, The Wine Rack, Bizbox, NatWest Group,

Right Answer:
Open-ended funds are investment funds that do not have a fixed number of shares and can issue or redeem shares at any time based on investor demand. Closed-ended funds, on the other hand, have a fixed number of shares that are issued through an initial public offering (IPO) and are traded on the stock exchange, with no new shares being created or redeemed after the IPO.

Channel Sales Relationship Manager Retail Sales

Ques:- How to calculate the eligibility of housing loan and business?

Asked In :- Sonova, BSM Group, 1199 SEIU United Healthcare Workers East, Aquasub Engineering, Lazada, RLI, scotiabank, jll, bny mellon, chubb,

Right Answer:
To calculate the eligibility for a housing loan, consider the following factors:

1. **Income**: Monthly salary or business income.
2. **Existing Obligations**: Any current loans or EMIs.
3. **Credit Score**: A good credit score improves eligibility.
4. **Loan Amount**: The desired loan amount and tenure.
5. **Interest Rate**: The applicable interest rate.

For business loans, eligibility is based on:

1. **Business Revenue**: Average monthly or annual revenue.
2. **Profitability**: Net profit after expenses.
3. **Credit History**: Personal and business credit scores.
4. **Business Plan**: Viability and potential for growth.
5. **Collateral**: Assets that can secure the loan.

Use these factors to assess the loan amount you can afford based on your financial situation.

Aptitude Business Analyst

Ques:- Some boys are sitting in a row. P is sitting fourteenth from the left and Q is seventh from the right. If there are four boys between P and Q, how many boys are there in the row ?

Asked In :- idfc bank, live2sell, inc.,

Right Answer:
There are 20 boys in the row.

Aptitude Business Analyst

Ques:- A garrison of 400 men had a provision for 31 days. After 28 days 280 persons re-enforcement leave the garrison. Find the number of days for which the remaining ration will be sufficient?

Asked In :- idfc bank, bernhard schulte shipmanagement, merilytics inc., tutorcomp,

Right Answer:
The remaining ration will be sufficient for 14 days.

Aptitude Business Analyst

Ques:- Find the least number of complete years in which a sum of money put out at 25% compound interest will be more than double of itself?

Asked In :- boskalis, idfc bank,

Right Answer:
The least number of complete years is 4.

Comments

Rajarshi Gangopadhyay Dec 13, 2021

Aptitude Business Analyst

Ques:- Evaluate the sum of all even integers between 99 and 301?

Asked In :- idfc bank, city of coquitlam, sun mobility,

Right Answer:
The sum of all even integers between 99 and 301 is 20,200.

Comments

Jagadeesh Sep 15, 2022

Summation of 301 - summation of 99
=41550
Summation of n=((n*n+1)/2)

Aptitude Business Analyst

Ques:- X, Y and Z can do a piece of work in 24, 30 and 40 days respectively. They start the work together but Z leaves 4 days before the completion of the work. In how many days is the work done?

Asked In :- abbvie, idfc bank, deloitte malaysia, josh technology group, neerja modi school,

Right Answer:
The work is done in 20 days.

Comments

Admin Sep 29, 2022

One day's work of A, B and C = (1/24 + 1/30 + 1/40) = 1/10.

C leaves 4 days before completion of the work, which means only A and B work during the last 4 days.

Work done by A and B together in the last 4 days = 4 (1/24 + 1/30) = 3/10.

Remaining Work = 7/10, which was done by A,B and C in the initial number of days.

Number of days required for this initial work = 7 days.

Thus, the total numbers of days required = 4 + 7 = 11 days.

Logical reasoning

Ques:- Simulate a chess board using C++ and data structures?

Asked In :- QualiTLabs, VXI Global Solutions, idfc bank, tiger analytics, avasoft, doselect,

Right Answer:
```cpp
#include <iostream>
#include <vector>

class ChessBoard {
public:
ChessBoard() {
board.resize(8, std::vector<char>(8, '.')); // Initialize an 8x8 board with '.'
}

void display() {
for (const auto& row : board) {
for (const auto& cell : row) {
std::cout << cell << ' ';
}
std::cout << std::endl;
}
}

void placePiece(char piece, int row, int col) {
if (row >= 0 && row < 8 && col >= 0 && col < 8) {
board[row][col] = piece;
}
}

private:
std::vector<std::vector<char>> board; // 2D vector to represent the chess board
};

int main() {
ChessBoard chessBoard;
chessBoard.placePiece('K', 0, 4

Logical reasoning

Ques:- There were 165,000 American children born with autism last year. What % of the babies born that year are autistic?

Asked In :- Itobuz Technologies, Softsuave, Thryve Digital, LogBase Technologies, Evertz Microsystems, TietoEVRY, idfc bank, qburst, kaar technologies, optisol business solutions,

Right Answer:
To determine the percentage of babies born that year who are autistic, we need the total number of babies born that year. Without that information, we cannot calculate the percentage.

Logical reasoning

Ques:- If 3 containers are filled with red,blue and red+blue balls with labels incorrectly applied. How many times you would need to pull the balls from containers to assign labels correctly?

Asked In :- Evergent Technologies, Evertz Microsystems, idfc bank, qburst, mirafra technologies, getinsured, inogic, Blue Bridge Solutions,

Right Answer:
You need to pull balls from just one container.

Logical reasoning Regional Manager

Ques:- How many tractors are sold in India in one year?

Asked In :- Itobuz Technologies, Softsuave, idfc bank, kaar technologies, mirafra technologies, revature, optisol business solutions,

Right Answer:
Approximately 700,000 to 800,000 tractors are sold in India in one year.

Logical reasoning Senior Manager

Ques:- Estimate the size of the bubble gum market in the US?

Asked In :- TechRAQ Info Solutions, QualiTLabs, Thinkitive Technologies, idfc bank, mirafra technologies, revature, omp, getinsured, Ignitarium Technology Solutions,

Right Answer:
The estimated size of the bubble gum market in the US is approximately $1 billion annually.

communication skills

Ques:- Tell me how will you find the restaurant?

Asked In :- Toxsl Technologies, Born Commerce, Namecheap Web Services, QuickXpert Infotech, Srijan Technologies, Triassic Solutions, GreyOrange, Bobst India, Cyber Infrastructure (P), Shipmnts,

Right Answer:
I would use a map application on my phone to search for nearby restaurants, check reviews and ratings, and then navigate to the one I choose.

communication skills

Ques:- Why this company and not any other with the same work field?

Asked In :- Fluid AI, WSNE Consulting, STIC SOFT E-SOLUTIONS, Toxsl Technologies, Codiant Software Technologies, Cybage Software, Varite India, Srijan Technologies, iB Arts Pvt. ltd, Wellness Forever,

Right Answer:
I am drawn to this company because of its strong reputation for innovation and commitment to employee development. I admire your focus on collaboration and sustainability, which aligns with my values and career goals. I believe I can contribute meaningfully to your team and grow alongside the company.

Comments

DHIVYA BHARATHI.N Apr 2, 2022

i improve my skills and i see u r company feed back it all are good with your company so i can join ur company

communication skills

Ques:- Why you left your previous company?

Asked In :- Fluid AI, Shipco IT, Aranca (Mumbai), Deluxe entertainment services India, Lucid Imaging, Bobst India, Microlise Telematics, IPE Global, TripStack (ALP Consulting), The Unified Cloud,

Right Answer:
I left my previous company to seek new challenges and opportunities for growth in my career.

communication skills

Ques:- What is your total experience?

Asked In :- Shipco IT, Chegg India, RANDSTAD INDIA PVT, Varite India, Energytech Global, SmartData Enterprises, SWYM, Head Field Solutions, Srijan Technologies, Vestas Wind Technology India,

Right Answer:
My total experience is [insert number] years.

communication skills

Ques:- Describe about customer care executive?

Asked In :- Xoriant Solutions Pvt Ltd, Object Frontier Software, Rock Solid Solutions, STIC SOFT E-SOLUTIONS, Hummingbird Web Solutions, RANDSTAD INDIA PVT, First Zen, NXP Semiconductors India, Vestas Wind Technology India, Mindcurv Technology Solutions,

Right Answer:
A customer care executive is a professional who assists customers by addressing their inquiries, resolving issues, and providing information about products or services. They communicate effectively, listen to customer needs, and ensure a positive experience through support and problem-solving.

IDFC Bank is a prominent financial institution in India, dedicated to providing a wide range of banking and financial services to individuals, businesses, and corporates. Established in 2015, IDFC Bank has quickly established itself as a trusted partner for customers seeking innovative banking solutions and personalized services. As a full-service bank, IDFC Bank offers a comprehensive suite of products and services, including savings and current accounts, fixed deposits, loans, wealth management, insurance, and more. With a customer-centric approach, IDFC Bank strives to understand the unique needs and goals of each customer and tailor its offerings accordingly. One of the key strengths of IDFC Bank lies in its commitment to innovation and technology. Leveraging cutting-edge digital solutions and robust infrastructure, IDFC Bank provides customers with convenient and secure banking experiences, whether through online and mobile banking platforms or a network of branches and ATMs across the country.

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