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Piramal Capital Housing
Finance
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Piramal Capital Housing Finance Interview Questions and Answers
61 Interview questions
I bring expertise in risk assessment, team leadership, and strategic decision-making to enhance credit management processes.
Expertise in risk assessment: I can analyze credit risks effectively, ensuring informed lending decisions.
Team leadership: I have successfully led teams to improve efficiency and collaboration, resulting in faster credit approvals.
Data-driven decision-making: By leveraging analytics, I can id...
The disbursed amount depends on various factors like loan type, applicant's creditworthiness, and financial needs.
Loan Type: For example, a mortgage may disburse a larger amount compared to a personal loan.
Creditworthiness: A higher credit score can lead to a larger disbursement.
Financial Needs: The amount requested by the applicant plays a crucial role.
I seek to join an NBFC for its dynamic environment, innovative products, and the opportunity to drive financial inclusion.
NBFCs often have a more agile structure, allowing for quicker decision-making and implementation of new ideas.
I am excited about the opportunity to work with diverse financial products that cater to underserved segments of the market.
The focus on financial inclusion aligns with my personal valu...
Effective product sales require understanding the market, building relationships, and leveraging strategic marketing techniques.
Identify target audience: Research demographics and preferences to tailor your approach. For example, focus on millennials for tech products.
Build relationships: Engage with potential customers through networking and personalized communication. Attend industry events to connect.
Utilize di...
As a Relationship Manager, my monthly disbursement varies based on client needs and market conditions.
Typically, I manage disbursements ranging from $500,000 to $1 million monthly.
For example, in a recent month, I facilitated a $750,000 loan for a small business expansion.
I also oversee personal loans, with an average disbursement of $200,000 monthly.
My role involves assessing client profiles to determine appropri...
I have established relationships with multiple DSAs and channel partners to enhance business growth and client outreach.
Currently collaborating with 10 DSAs across various regions, focusing on mortgage and personal loans.
Partnered with 5 channel partners who specialize in financial advisory services, enhancing our product offerings.
Successfully increased client acquisition by 30% through strategic partnerships wit...
Floating rate of interest is a variable interest rate that changes periodically based on a benchmark rate.
Floating rate of interest is not fixed and can change over time.
It is typically tied to a benchmark rate, such as the prime rate or LIBOR.
The interest rate on a floating rate loan may adjust monthly, quarterly, annually, or at other intervals.
Floating rate loans are often used in financial products like adjust...
EMI stands for Equated Monthly Installment.
EMI is a fixed amount of money paid by a borrower to a lender at a specified date each calendar month.
It is used to repay both the interest and principal each month, ensuring that the loan is paid off in full over a specified period.
EMI calculations are commonly used in loans such as home loans, car loans, and personal loans.
Reserve Bank of India
Reserve Bank of India
Regulates the monetary policy in India
Issues currency notes
Acts as a banker to the government
FD is a fixed deposit where a lump sum amount is deposited for a fixed period at a fixed interest rate. RD is a recurring deposit where a fixed amount is deposited regularly for a fixed period at a fixed interest rate.
FD requires a lump sum amount to be deposited at once, while RD requires regular fixed deposits.
FD has a fixed term for the deposit, while RD allows flexibility in the deposit term.
FD typically offer...
Piramal Capital Housing Finance Interview Experiences
205 interviews found
Anonymous
Selected
All questions were 80 in which have pass marks were 50 so i was easily passed in apptitude Test exam and i get good results
(2 Questions)
- Q1. Banking retaled questions
- Q2. What is ABB?, What is the full form of FOIR, etc.
- Ans.
ABB is a multinational corporation headquartered in Switzerland, specializing in robotics, power, heavy electrical equipment, and automation technology.
ABB stands for Asea Brown Boveri.
It is a Swedish-Swiss multinational corporation.
ABB operates mainly in robotics, power, heavy electrical equipment, and automation technology sectors.
The company was formed in 1988 through the merger of ASEA of Sweden and BBC Brown Bover...
(2 Questions)
- Q1. What is the full form of EMI
- Ans.
EMI stands for Equated Monthly Installment.
EMI is a fixed amount of money paid by a borrower to a lender at a specified date each calendar month.
It is used to repay both the interest and principal each month, ensuring that the loan is paid off in full over a specified period.
EMI calculations are commonly used in loans such as home loans, car loans, and personal loans.
- Q2. What is the diffrences beween FD and RD?
- Ans.
FD is a fixed deposit where a lump sum amount is deposited for a fixed period at a fixed interest rate. RD is a recurring deposit where a fixed amount is deposited regularly for a fixed period at a fixed interest rate.
FD requires a lump sum amount to be deposited at once, while RD requires regular fixed deposits.
FD has a fixed term for the deposit, while RD allows flexibility in the deposit term.
FD typically offers hig...
(2 Questions)
- Q1. What is the full form of RBI
- Ans.
Reserve Bank of India
Reserve Bank of India
Regulates the monetary policy in India
Issues currency notes
Acts as a banker to the government
- Q2. What is the FLOATING RATE OF INTEREST?
- Ans.
Floating rate of interest is a variable interest rate that changes periodically based on a benchmark rate.
Floating rate of interest is not fixed and can change over time.
It is typically tied to a benchmark rate, such as the prime rate or LIBOR.
The interest rate on a floating rate loan may adjust monthly, quarterly, annually, or at other intervals.
Floating rate loans are often used in financial products like adjustable-...
(2 Questions)
- Q1. What was the previous 2 companies of experience ?
- Ans.
I have worked at ABC Company and XYZ Company in the past.
ABC Company - Managed a portfolio of high net-worth clients, exceeding sales targets by 20%.
XYZ Company - Led a team of relationship managers, resulting in a 15% increase in client retention.
- Q2. Why do you choose piramal finance not other co.?
- Ans.
I chose Piramal Finance over other companies because of their strong reputation in the industry and their commitment to innovation and growth.
Piramal Finance has a solid reputation in the financial industry for their expertise and reliability.
They offer innovative financial solutions that cater to the diverse needs of clients.
Piramal Finance is known for their strong focus on growth and development, providing ample opp...
(1 Question)
- Q1. What is your expection of salary structure
- Ans.
I expect a competitive salary structure based on my experience, skills, and the market standard.
I expect a salary that reflects my level of experience and expertise in the industry.
I am looking for a compensation package that includes a base salary, bonuses, and benefits.
I would like the opportunity for salary reviews and potential for growth within the company.
I am open to negotiation based on the overall package offe...
Selected
I appeared for an interview before Jun 2024, where I was asked the following questions.
- Q1. Interview questions were related with my previous experience.
- Q2. Interviewer was asking about HL and Lap.
Interview Preparation Tips
Selected
I appeared for an interview in Nov 2024.
(5 Questions)
- Q1. Tell you about some thing
- Q2. Which porife for job and toatal experience for you collection
- Ans.
I have over 5 years of experience in collections, specializing in resolving disputes and optimizing recovery processes.
Managed a portfolio of over 300 accounts, achieving a 95% recovery rate.
Implemented a new tracking system that reduced follow-up time by 30%.
Trained junior staff on effective negotiation techniques, improving team performance.
Successfully resolved complex disputes by collaborating with clients and unde...
- Q3. My name is Prashant Tiwari. I have 2 years of experience in collection of 2years and I have good knowledge of home loan property loan plural recovery. I am also in private finance on a regular post and I d...
- Q4. What are bkt 1 bkt2 bkt3 explain
- Ans.
BKT1, BKT2, and BKT3 are commonly used abbreviations in the credit industry to categorize the payment behavior of borrowers.
BKT1 refers to borrowers who have never missed a payment and have a good credit history.
BKT2 refers to borrowers who have missed a few payments but are still considered low risk.
BKT3 refers to borrowers who have a history of missing payments and are considered high risk.
- Q5. Life gols Prashant
Interview Preparation Tips
secured loan and unsecured
Bkt1 bkt2 bkt3
NPA write of
Plsa xpl d2dc
Ef online loan
Selected
I applied via Referral and was interviewed in Nov 2024. There was 1 interview round.
(2 Questions)
- Q1. Salary related questions
- Q2. Job experience and policy
Nilesh Barui
Selected
I applied via Campus Placement and was interviewed in Jul 2024. There were 3 interview rounds.
Aptitude, English proficiency, Coding test
(2 Questions)
- Q1. Graphs traversal related leetcode medium question
- Q2. Binary search related leetcode medium question
(2 Questions)
- Q1. General hr questions
- Q2. Cv grilling and some core programming knowledge assessment
Interview Preparation Tips
Jabir Saiyed
Selected
I appeared for an interview in Apr 2025, where I was asked the following questions.
- Q1. Tell me about about experience in home loan &loan against property sourcing
- Q2. How do you generate lead in semi-urban or Rural areas ? what is your strategy to convert them ?
Interview Preparation Tips
Selected
I applied via Referral and was interviewed in Nov 2024. There was 1 interview round.
(4 Questions)
- Q1. Why are you left previous company
- Ans.
I left my previous company to seek new challenges and opportunities for professional growth in a more dynamic environment.
Desire for career advancement: I was looking for a role with more responsibilities and leadership opportunities.
Cultural fit: I wanted to work in an organization that aligns more closely with my values and work style.
Professional development: I sought a company that invests in employee training and ...
- Q2. Salary expected of our company
- Q3. Monthly disbursement amount of value
- Ans.
The monthly disbursement amount refers to the total value of funds distributed each month.
The monthly disbursement amount can vary based on the organization's budget and financial goals.
It is important to track and analyze the monthly disbursement amount to ensure financial stability.
Examples of factors that can impact the monthly disbursement amount include economic conditions, fundraising efforts, and grant opportuni...
- Q4. Which product u sell
- Ans.
I sell a variety of financial products and services to meet the needs of my clients.
Investment products such as mutual funds, stocks, and bonds
Insurance products including life, health, and property insurance
Retirement planning services such as 401(k) accounts and IRAs
Wealth management solutions tailored to individual client goals
Interview Preparation Tips
Selected
I applied via Job Portal and was interviewed in Apr 2024. There were 3 interview rounds.
(4 Questions)
- Q1. LC Medium DSA Question on Arrays
- Q2. Framework related questions
- Q3. All the popular status codes you know and there meaning
- Ans.
Popular HTTP status codes and their meanings
200 - OK: Request succeeded
404 - Not Found: Resource not found
500 - Internal Server Error: Server error
401 - Unauthorized: Authentication required
302 - Found: Resource temporarily moved
503 - Service Unavailable: Server unavailable
- Q4. What reusable methods have been designed by you and their impact
- Ans.
I have designed reusable methods for data validation, logging, and error handling.
Created a data validation method that checks for required fields and data types
Implemented a logging method that records important events and errors
Developed an error handling method that gracefully handles exceptions and provides detailed error messages
(4 Questions)
- Q1. Design an Automation Framework
- Ans.
An automation framework is a set of guidelines, best practices, and tools used for automated testing of software applications.
Choose a programming language for writing test scripts (e.g. Java, Python)
Select a testing tool for executing test scripts (e.g. Selenium, Appium)
Implement page object model for better code organization
Use data-driven testing for testing with multiple sets of data
Incorporate reporting tools for ...
- Q2. Mocking related questions
- Q3. Anything new I am learning, then questions on that
- Q4. Project Related questions
(2 Questions)
- Q1. What all challenges you faced and how did you solve them and things you learnt on the way
- Ans.
I faced challenges in automating complex test scenarios, resolved by collaborating with developers and learning new tools.
Automating complex test scenarios
Collaborating with developers to understand code changes
Learning new tools and technologies to improve testing efficiency
- Q2. Why do you want to change the company
- Ans.
Seeking new challenges, growth opportunities, and a better work-life balance.
Looking for a company with more innovative projects and technologies to work on
Interested in a company that values work-life balance and employee well-being
Seeking opportunities for career growth and advancement
Skills evaluated in this interview
Ramkrishan Mishra
(4 Questions)
- Q1. About your experience
- Q2. About your stability
- Q3. I have 10 months experience because I have my family medical issue and transfer was not being possible so I left job.
- Q4. I know very well piramal finance sales & services company is very well opportunities. And if again possible my joining then I will want to join again this organisation.
Selected
I appeared for an interview in Mar 2025, where I was asked the following questions.
- Q1. Self introduction
- Q2. Explain experience
- Ans.
I have extensive experience in home loan processing, customer service, and financial analysis, ensuring smooth transactions for clients.
Over 5 years in the home loan industry, assisting clients with mortgage applications.
Successfully processed over 200 home loan applications, ensuring compliance with regulations.
Developed strong relationships with clients, resulting in a 95% satisfaction rate.
Conducted financial assess...
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Piramal Capital Housing Finance Interview FAQs
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Piramal Capital Housing Finance Interviews By Designations
- Piramal Capital Housing Finance Senior Relationship Manager Interview Questions
- Piramal Capital Housing Finance Relationship Manager Interview Questions
- Piramal Capital Housing Finance Branch Sales Manager Interview Questions
- Piramal Capital Housing Finance Sales Manager Interview Questions
- Piramal Capital Housing Finance SRM Manager Interview Questions
- Piramal Capital Housing Finance Sales Coordinator Interview Questions
- Piramal Capital Housing Finance Branch Credit Manager Interview Questions
- Piramal Capital Housing Finance Sales Officer Interview Questions
- Show more
Interview Questions for Popular Designations
- Senior Relationship Manager Interview Questions
- Relationship Manager Interview Questions
- Branch Sales Manager Interview Questions
- Sales Manager Interview Questions
- Associate Interview Questions
- Team Lead Interview Questions
- Business Analyst Interview Questions
- Consultant Interview Questions
- Show more
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Piramal Capital Housing Finance Reviews and Ratings
based on 4.1k reviews
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7-10 Yrs
Not Disclosed
|
Senior Relationship Manager
1.4k
salaries
|  ₹2.2 L/yr - ₹5.5 L/yr |
|
Relationship Manager
612
salaries
| ₹1.5 L/yr - ₹5 L/yr |
|
Branch Sales Manager
394
salaries
| ₹3 L/yr - ₹9.9 L/yr |
|
Credit Manager
312
salaries
| ₹4.5 L/yr - ₹10.3 L/yr |
|
Sales Manager
252
salaries
| ₹2.7 L/yr - ₹10.4 L/yr |
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