đĄ BFSI Interview Tip: Always know the company's key products, their recent expansion news, and current RBI repo rate (6.25% as of 2026). These 3 things alone separate prepared candidates from the crowd.
đĨ Most Common BFSI Questions
Why do you want to join banking / financial services?
Structure your answer around 3 things: stability of the sector, growth opportunity, and personal affinity for numbers/people. Example: "I am drawn to BFSI because it combines relationship-building with financial impact. Every customer I help with a home loan or investment plan makes a tangible difference in their life. The sector also offers clear growth paths, which aligns with my career goals."
What do you know about our products?
Research the company before the interview. For a bank: know their flagship savings account, key loan products, interest rates, and any recent launches. For an NBFC: know their primary lending segment (gold loan, home loan, microfinance). Never go blank on this â it is an instant rejection trigger.
Tell me about a time you achieved a challenging target.
Use the STAR format: Situation â Task â Action â Result. Always include a specific number. "In Q3 last year, my branch was 40% below target after a team member resigned. I took on their portfolio, worked Saturdays, and ended the quarter at 108% of target by cross-selling FDs to existing loan customers."
How do you handle a customer who wants to close their account / policy?
Never just process the closure. First ask: "May I understand your reason?" Then address it â if service issue, apologise and resolve. If better offer elsewhere, highlight your product strengths. If genuine need for funds, suggest alternatives (partial withdrawal, loan against FD). Only process closure as last resort. Show retention instinct.
What is the current repo rate? What is CRR and SLR?
Repo Rate (2026): 6.25%. CRR (Cash Reserve Ratio): 4% â portion banks must keep with RBI. SLR (Statutory Liquidity Ratio): 18% â liquid assets banks must maintain. Know these cold â not knowing them in a bank interview is a serious red flag.
What is your expected CTC?
Never give a single number. Give a range based on research. "Based on my experience and market benchmarks, I am looking at âšX to âšY. However, I am more interested in the overall growth opportunity and the incentive structure." This shows you have done your homework without boxing yourself in.
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