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HDFC Bank Interview Questions and Answers for Freshers
142 Interview questions
I left my previous bank job to seek new challenges and opportunities for growth in a more dynamic environment.
I was looking for a role that offered more opportunities for professional development.
The previous position had limited scope for innovation, which I find essential for my career.
I wanted to work in a more collaborative environment where my ideas could contribute to team success.
The new role aligns better ...
Effective customer handling involves communication, empathy, and problem-solving to enhance satisfaction and loyalty.
Listen actively to understand customer needs and concerns.
Use positive language to create a friendly atmosphere; for example, say 'I can help you with that' instead of 'I can't do that.'
Empathize with customers by acknowledging their feelings; for instance, 'I understand how frustrating this must be...
My aim is to drive impactful change, foster team growth, and achieve strategic goals that align with the organization's vision.
Lead cross-functional teams to enhance collaboration and innovation, as seen in my previous role where we launched a successful product line.
Implement data-driven strategies to optimize performance, demonstrated by a 20% increase in efficiency in my last project.
Mentor and develop team mem...
A share certificate is a document that certifies ownership of shares in a company, detailing key information about the shares.
Company Name: The legal name of the company issuing the shares.
Shareholder's Name: The name of the individual or entity that owns the shares.
Number of Shares: The total number of shares owned by the shareholder.
Share Class: Indicates the type of shares (e.g., common, preferred).
Certificate ...
What people are saying about HDFC Bank
Effective communication with customers involves active listening, empathy, and clear messaging to build trust and rapport.
Active Listening: Pay attention to what the customer is saying without interrupting. For example, nodding and summarizing their concerns.
Empathy: Show understanding of the customer's feelings. For instance, saying, 'I understand how frustrating this must be for you.'
Clear Messaging: Use simple ...
A mortgage is a loan secured by real estate, allowing borrowers to purchase property while repaying over time.
A mortgage involves a borrower and a lender, typically a bank or financial institution.
The property serves as collateral, meaning the lender can take it if payments are not made.
Mortgages usually have fixed or variable interest rates, affecting monthly payments.
For example, a 30-year fixed mortgage means t...
RTC stands for Real-Time Clock, a device that keeps track of the current time even when the main power is off.
RTC is commonly used in computers and embedded systems to maintain accurate time.
Examples include RTC chips like DS1307 or MCP7940N, which are used in Arduino projects.
RTCs can also be found in smartphones and other electronic devices to manage time settings.
EC can refer to various terms, including Electronic Commerce, which involves buying and selling online.
Electronic Commerce (EC) refers to transactions conducted via the internet.
Examples include online shopping platforms like Amazon and eBay.
EC encompasses various business models, such as B2C (Business to Consumer) and B2B (Business to Business).
Payment gateways like PayPal and Stripe facilitate EC transactions.
RD involves regular deposits, while FD is a lump-sum investment for a fixed term.
Recurring Deposit (RD) requires regular monthly deposits, e.g., ₹1,000 per month.
Fixed Deposit (FD) is a one-time investment, e.g., ₹50,000 deposited at once.
RDs typically have a tenure of 6 months to 10 years, while FDs can range from 7 days to 10 years.
Interest rates for RDs are usually slightly lower than FDs, e.g., RD at 5.5% vs F...
Current accounts are for frequent transactions, while savings accounts earn interest on deposits.
Current accounts allow unlimited transactions and withdrawals, ideal for daily use.
Savings accounts typically limit withdrawals but offer interest on the balance.
Example of a current account: Business checking account for daily expenses.
Example of a savings account: Personal savings account for emergency funds.
HDFC Bank Interview Experiences for Freshers
365 interviews found
Anonymous
I appeared for an interview in Dec 2024, where I was asked the following questions.
- Q1. What is your understanding of the banking industry and its key functions? What are the different types of banks (commercial, investment, retail, etc.)? Can you explain the different types of bank accounts ...
- Ans.
The banking industry facilitates financial transactions, savings, and investments through various types of banks and accounts.
Key functions of banks include accepting deposits, providing loans, and facilitating payments.
Types of banks: Commercial banks (e.g., State Bank of India), Investment banks (e.g., Goldman Sachs), Retail banks (e.g., HDFC Bank).
Types of bank accounts: Savings accounts (for earning interest), Curr...
- Q2. Tell me about your experience in customer service. How do you handle difficult or upset customers? How do you communicate complex financial information to non-financial customers? How do you ensure accurac...
- Ans.
I have extensive customer service experience, adept at handling difficult situations and communicating complex information clearly.
Experience in retail management, resolving customer complaints with empathy and active listening.
Utilize the 'LEARN' technique: Listen, Empathize, Apologize, Resolve, Notify for upset customers.
Break down financial concepts using analogies, like comparing interest rates to everyday expenses...
- Q3. Banking, at its core, is the system by which financial institutions, primarily banks, accept deposits, provide loans, and facilitate financial transactions. It plays a crucial role in the economy by managi...
Interview Preparation Tips
Selected
I applied via Job Fair and was interviewed in Jun 2024. There were 15 interview rounds.
(2 Questions)
- Q1. Explain your reasoning
- Ans.
I base my reasoning on data analysis, industry knowledge, and past experiences.
I analyze data to identify trends and patterns
I consider industry best practices and standards
I draw on past experiences to make informed decisions
- Q2. What is in heritance
- Ans.
Inheritance is the mechanism in which a class can acquire the properties and behavior of another class.
Inheritance allows a class to inherit attributes and methods from another class.
The class that is being inherited from is called the parent class or superclass.
The class that inherits from the parent class is called the child class or subclass.
Inheritance promotes code reusability and helps in creating a hierarchical ...
(2 Questions)
- Q1. How dose your experience align with the role
- Ans.
My experience in back end development, database management, and system integration aligns perfectly with the requirements of the role.
I have worked as a back end developer for 5+ years, handling server-side logic, database design, and API integration.
I am proficient in languages like Java, Python, and SQL, which are essential for back end development.
I have successfully implemented scalable and efficient back end syste...
- Q2. How do you handle working in a team
- Ans.
I handle working in a team by communicating effectively, being open to feedback, collaborating on tasks, and supporting my team members.
Communicate openly and effectively with team members
Be open to feedback and constructive criticism
Collaborate on tasks and share responsibilities
Support and help team members when needed
(2 Questions)
- Q1. What is a 3 stage interview
- Ans.
A 3 stage interview is a hiring process that consists of three separate rounds of interviews with different interviewers.
First stage typically involves a screening interview with HR or a recruiter.
Second stage may involve a technical interview with the hiring manager or team members.
Final stage often includes a panel interview with senior management or key stakeholders.
- Q2. What is Hr round?
(2 Questions)
- Q1. What is the nearest ten of 4
- Ans.
The nearest ten of 4 is 10.
The nearest ten of a number is the multiple of 10 that is closest to that number.
In this case, the nearest ten of 4 is 10 because it is the multiple of 10 closest to 4.
- Q2. What is 4 tenth equal to?
- Ans.
4 tenths is equal to 0.4
4 tenths can be written as 0.4 in decimal form
To convert tenths to decimals, divide the number by 10 (4 ÷ 10 = 0.4)
(2 Questions)
- Q1. What's the most effective way to gather user and system requirements?
- Ans.
The most effective way to gather user and system requirements is through thorough communication and collaboration.
Engage with stakeholders to understand their needs and expectations
Use techniques such as interviews, surveys, and workshops to gather requirements
Document requirements clearly and prioritize them based on importance
Iterate and validate requirements with stakeholders to ensure accuracy
- Q2. How did you implement significant improvement to an IT infrastructure
- Ans.
Implemented automation tools to streamline processes, upgraded hardware and software, and optimized network performance.
Introduced automation tools such as Ansible to automate repetitive tasks and improve efficiency
Upgraded hardware components such as servers and storage devices to enhance performance
Implemented software updates and patches to ensure system security and stability
Optimized network configurations to impr...
Whiteboard design challenges, Live coding tests, Technical assessment tasks, Numerical reasoning questions, and Proficiency quizzes.
Series of assessments that evaluate a candidate's technical skills, problem-solving abilities, and thought process
An assessment tool wherein questions are framed to evaluate a participant's knowledge of software programming languages
Academic skills will need to be efficient in order to work through the process in a shorter time.
The assignment method is used to determine what resources are assigned to which department, machine, or center of operation in the production process.
Practical assessments that evaluate a candidate's technical abilities and programming skills
A coding assessment is a test used to evaluate a programmer's skills in a specific way that's relevant to the job.
A coding round is a part of the interview process for software engineers that evaluates a candidate's programming skills, problem-solving abilities, and understanding of algorithms and data structures.
A coding round in an interview is a key part of the hiring process for software engineers, where candidates are evaluated on their programming skills
Coding tests are typically programming challenges that help technical recruiters test programming skills and competencies of a developer or programmer.
Selected
(4 Questions)
- Q1. Job related question
- Q2. Previous job experience
- Ans.
I have 5 years of experience in commercial banking, specializing in working capital management.
Managed a portfolio of corporate clients, analyzing their financial statements and cash flow projections
Structured and negotiated credit facilities to meet clients' working capital needs
Collaborated with internal teams to ensure timely and accurate delivery of services
Developed relationships with clients to understand their b...
- Q3. Current ctc in previous organisations how did you got reference
- Ans.
I have a current CTC of $X in my previous organizations. I obtained references through professional networking and recommendations.
I have a current CTC of $X in my previous organizations
I obtained references through professional networking and recommendations
- Q4. Joining foramilities previous work experience Job role
Interview Preparation Tips
Selected
I applied via Naukri.com
(2 Questions)
- Q1. Tell me about yourself?
- Ans.
Experienced phone banking officer with strong communication skills and a passion for customer service.
Over 5 years of experience in the banking industry
Skilled in handling customer inquiries and resolving issues
Proficient in using banking software and systems
Excellent communication and interpersonal skills
Focused on providing exceptional customer service
Received multiple awards for top performance in customer satisfact...
- Q2. What are the difference between banking and nbfc companies
- Ans.
Banking companies accept deposits and provide loans, while NBFC companies cannot accept deposits but can provide loans and other financial services.
Banking companies are regulated by the Reserve Bank of India (RBI), while NBFC companies are regulated by the Companies Act.
Banking companies can issue demand drafts, cheques, and other payment instruments, while NBFC companies cannot issue cheques drawn on itself.
Banking c...
Harshwardhan Singh
(5 Questions)
- Q1. Tell me about your work experience?
- Ans.
I have over 10 years of experience working as a Legal Manager in various industries.
Managed a team of legal professionals to ensure compliance with laws and regulations
Drafted and reviewed contracts, agreements, and legal documents
Provided legal advice and guidance to senior management
Handled litigation and dispute resolution processes
Developed and implemented company policies and procedures to mitigate legal risks
- Q2. What do you know about the SARFAESI ACT.
- Ans.
SARFAESI Act stands for Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002.
SARFAESI Act allows banks and financial institutions to auction residential or commercial properties to recover loans in case of default.
It provides a faster mechanism for recovery of non-performing assets without court intervention.
The Act empowers banks to take possession of the secured assets ...
- Q3. Tell me about section 13 (8) of SARFAESI ACT and also explain pre requisites for issuing demand notice under SARFAESI ACT.
- Ans.
Section 13(8) of SARFAESI Act allows the borrower to appeal against the measures taken by the bank under the Act.
Section 13(8) of SARFAESI Act states that the borrower can make an appeal to the Debt Recovery Tribunal (DRT) against the measures taken by the bank under the Act.
The pre-requisites for issuing a demand notice under SARFAESI Act include the borrower defaulting on repayment of the loan, the bank classifying t...
- Q4. What is the notice period under section 138 of NI act and also when the cause of action arises to file a case under section 138.
- Ans.
Notice period under section 138 of NI act and cause of action to file a case.
Notice period under section 138 is 15 days from the date on which the payee receives the notice of dishonor.
Cause of action to file a case under section 138 arises when the cheque is dishonored by the bank due to insufficient funds or other reasons.
The payee must send a legal notice to the drawer within 30 days of dishonor of the cheque to giv...
- Q5. Tell me something about Nclt and under which section financial creditors are defined. What is the procedure of liquidation.
- Ans.
NCLT is a quasi-judicial body that adjudicates insolvency and company law cases. Financial creditors are defined under Section 5(7) of the Insolvency and Bankruptcy Code, 2016.
NCLT stands for National Company Law Tribunal.
It is a quasi-judicial body established under the Companies Act, 2013.
Financial creditors are defined under Section 5(7) of the Insolvency and Bankruptcy Code, 2016.
The procedure of liquidation involv...
Selected
I appeared for an interview in May 2025, where I was asked the following questions.
- Q1. What is a merger and acqusistion
- Ans.
Mergers and acquisitions (M&A) involve the consolidation of companies through various financial transactions.
A merger occurs when two companies combine to form a new entity, e.g., Disney and Pixar in 2006.
An acquisition is when one company purchases another, e.g., Facebook acquiring Instagram in 2012.
M&A can enhance market share, reduce competition, or achieve synergies.
Due diligence is crucial in M&A to as...
- Q2. What you think of our countries current economic condition
- Ans.
The current economic condition reflects challenges like inflation, labor market shifts, and global uncertainties impacting growth.
Inflation rates have surged, affecting purchasing power and consumer spending.
The labor market is experiencing shifts, with a growing demand for tech-related jobs.
Supply chain disruptions continue to impact various sectors, leading to increased costs.
Global uncertainties, such as geopolitica...
Interview Preparation Tips
Selected
I applied via Campus Placement and was interviewed in Oct 2024. There were 3 interview rounds.
SHL TEST TAKEN AS FIRST ROUND
(1 Question)
- Q1. BY THE COMMON HR RECRUITER
(1 Question)
- Q1. THIS WAS TAKEN BY MANAGER LEVEL
Interview Preparation Tips
Selected
I appeared for an interview in May 2025, where I was asked the following questions.
- Q1. What is bank
- Ans.
A bank is a financial institution that accepts deposits, offers loans, and provides various financial services to individuals and businesses.
Banks provide savings and checking accounts for individuals to manage their money.
They offer loans for personal use, such as home mortgages or car loans.
Banks facilitate business loans to help companies grow and manage cash flow.
They provide investment services, including wealth m...
- Q2. About credit card
- Q3. What is auto loan and general insurance
- Ans.
An auto loan is a financing option for purchasing vehicles, while general insurance protects against various risks and liabilities.
Auto loans are typically secured loans, meaning the vehicle serves as collateral.
General insurance includes policies like home, auto, and health insurance.
For example, an auto loan allows you to buy a car and pay in installments.
General insurance can cover damages to your car in case of an ...
(3 Questions)
- Q1. What is calling line
- Ans.
Calling line is the telephone number from which a call is being made.
Calling line is the number displayed on the recipient's phone when receiving a call.
It helps identify the caller and allows the recipient to decide whether to answer the call.
Calling line identification can be blocked or withheld by the caller.
Some phone systems allow for the display of the calling line name in addition to the number.
- Q2. What is Collection
- Ans.
Collection is the process of contacting customers who have overdue payments to remind them to pay.
Collection involves contacting customers with overdue payments
It may involve sending reminders via phone calls, emails, or letters
Collection agents may negotiate payment plans with customers
Collection helps recover outstanding debts and improve cash flow
- Q3. Banking process in calling
- Ans.
Banking process in calling involves providing customer service and assistance over the phone.
Answering customer inquiries and resolving issues
Verifying customer identities for security purposes
Assisting with account transactions and transfers
Providing information on products and services
Offering support for online and mobile banking
Interview Preparation Tips
I have experience 3 year experience in calling Lines
Skills evaluated in this interview
Selected
I appeared for an interview in Feb 2025, where I was asked the following questions.
- Q1. What do you know about this organization?
- Ans.
This organization is a leader in innovative solutions, focusing on sustainability and community engagement to drive positive change.
Founded in 2005, the organization has grown to serve over 1 million customers worldwide.
They prioritize sustainability, with initiatives like reducing carbon emissions by 30% over the last five years.
The organization is known for its community outreach programs, such as providing scholarsh...
- Q2. What is your aim?
- Ans.
My aim is to drive impactful change, foster team growth, and achieve strategic goals that align with the organization's vision.
Lead cross-functional teams to enhance collaboration and innovation, as seen in my previous role where we launched a successful product line.
Implement data-driven strategies to optimize performance, demonstrated by a 20% increase in efficiency in my last project.
Mentor and develop team members,...
- Q3. What is written on the share certificate?
- Ans.
A share certificate is a document that certifies ownership of shares in a company, detailing key information about the shares.
Company Name: The legal name of the company issuing the shares.
Shareholder's Name: The name of the individual or entity that owns the shares.
Number of Shares: The total number of shares owned by the shareholder.
Share Class: Indicates the type of shares (e.g., common, preferred).
Certificate Numbe...
Interview Preparation Tips
HDFC Bank Interview FAQs
Some of the top questions asked at the HDFC Bank interview for freshers -
The duration of HDFC Bank interview process can vary, but typically it takes about less than 2 weeks to complete.
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HDFC Bank Interviews By Designations
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Jalandhar,
Shahkot
4-9 Yrs
Not Disclosed
|
Deputy Manager
15.3k
salaries
|  ₹3.8 L/yr - ₹8.5 L/yr |
|
Manager
10.5k
salaries
| ₹6.1 L/yr - ₹13.3 L/yr |
|
Assistant Manager
9.5k
salaries
| ₹2.4 L/yr - ₹6 L/yr |
|
Senior Manager
7.2k
salaries
| ₹11.5 L/yr - ₹20 L/yr |
|
Relationship Manager
6.4k
salaries
| ₹3.4 L/yr - ₹12.2 L/yr |
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