{"id":22014,"date":"2025-01-24T09:52:44","date_gmt":"2025-01-24T04:22:44","guid":{"rendered":"https:\/\/internshala.com\/blog\/?p=22014"},"modified":"2025-01-24T09:54:41","modified_gmt":"2025-01-24T04:24:41","slug":"icici-bank-relationship-manager-interview-questions","status":"publish","type":"post","link":"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/","title":{"rendered":"45 ICICI Bank Relationship Manager Interview Questions [Freshers &amp; Advanced]"},"content":{"rendered":"\n<p>Do you have a passion for building strong client relationships and contributing towards the growth of a leading private sector bank in India? If yes, then ICICI Bank has a great job opportunity for you! You can become a Relationship Manager at ICICI Bank. To become a relationship manager, it&#8217;s essential to familiarize yourself with the common questions that may be asked during the interview process. In this blog, we&#8217;ll explore the top ICICI Bank relationship manager interview questions and tips to help you stand out during interviews and pave the way for a successful career with ICICI Bank.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/#ICICI_Relationship_Manager_Interview_Questions_for_Freshers\" >ICICI Relationship Manager Interview Questions for Freshers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/#ICICI_Relationship_Manager_Interview_Questions_for_Mid-Level\" >ICICI Relationship Manager Interview Questions for Mid-Level<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/#ICICI_Bank_Interview_Questions_for_Relationship_Manager_for_Experienced\" >ICICI Bank Interview Questions for Relationship Manager for Experienced<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/#Tips_to_Acing_ICICI_Bank_Interview_Questions\" >Tips to Acing ICICI Bank Interview Questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ICICI_Relationship_Manager_Interview_Questions_for_Freshers\"><\/span>ICICI Relationship Manager Interview Questions for Freshers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you&#8217;re a fresher looking to apply for a relationship manager position at ICICI Bank, it&#8217;s important to be well-prepared for the interview. To help you with that, here are some of the top ICICI Bank relationship manager interview questions and answers to get you started.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q1. Define investment banking.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> Investment banking involves providing advisory services to businesses and institutions regarding capital raising, M&amp;As, restructuring, valuations, and listings through IPOs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q2. How can one manage their accounts through various channels?<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> Accounts can be managed through net banking, mobile banking apps, bank websites, visiting the branch, cheques\/demand drafts, ATMs, emails\/messages, and account statements.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q3. What does the term &#8220;bank&#8221; refer to, and what categories of banks exist?<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> A bank refers to a financial institution licensed for accepting deposits, providing loans, and processing transactions. The categories are the central bank, retail bank, commercial bank, rural\/cooperative bank, and investment bank.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q4. Are there fees associated with overdraft protection services?<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> Yes, the bank may impose fees for their &#8216;overdraft protection&#8217; services, however, these charges will only be incurred once you begin utilizing the service.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q5. What is a &#8216;Crossed Cheque&#8217;?<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> A crossed cheque is a type of cheque that has two parallel lines drawn across it, either covering the entire surface or intersecting at the top left corner. This symbol indicates that the check can only be deposited into a bank account directly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q6. Define overdraft protection.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> Overdraft protection allows individuals with multiple accounts, such as savings and credit accounts at the same bank, to avoid check returns or insufficient funds when making purchases or paying bills. If one account does not have enough funds to cover these transactions, the bank will transfer money from another linked account so that it can be completed successfully.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q7. What does APR (Annual Percentage Rate) signify?<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> APR or Annual Percentage Rate refers to the annual interest rate on a loan or other financial products used by customers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q8. Define a consumer bank.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> A consumer bank primarily deals with individual rather than corporate customers, providing services like savings\/current accounts, mortgages, investment products, and credit cards.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q9. What kinds of banking software applications are prevalent in the industry?<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> Below are some types of banking software applications that exist:<\/p>\n\n\n\n<ul>\n<li><strong>Internet Banking System: <\/strong>This tool enables customers to conduct financial transactions through a bank or financial institution&#8217;s website.<\/li>\n\n\n\n<li><strong>Automated Teller Machine (ATM):<\/strong> It is an electronic outlet that allows users to perform basic financial tasks.<\/li>\n\n\n\n<li><strong>Core Banking System: <\/strong>A service provided by networked bank branches, allowing customers to withdraw money from any branch location.<\/li>\n\n\n\n<li><strong>Loan Management System: <\/strong>A database used for tracking and storing information on borrowers&#8217; accounts.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Q10. How does a &#8216;Cheque&#8217; differ from a &#8216;Demand draft&#8217;?<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> A bank issues a demand draft, while an individual issues a check. An employee of the bank creates a demand draft, whereas it is the customer who draws up a check. Unlike checks which can be stopped by its issuer, payment for a demand draft cannot be halted once it has been issued.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q11. What are the various types of Commercial Bank?<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> The types of commercial banks are public sector banks, private sector banks, foreign banks, regional rural banks, small finance banks, and payment banks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q12. Explain the concept of the prime rate.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> The prime rate refers to the interest charged by commercial banks to their most reliable customers. It is determined based on the federal fund&#8217;s overnight rate established by the Federal Reserve System and serves as a benchmark for other interest rates. Various economic factors, including inflation, unemployment levels, and credit demand play a role in determining the prime rate of users.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q13. Outline the different account types offered by banks.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> The main types of bank accounts are savings accounts, current\/salary accounts, fixed\/recurring deposits, and NRO\/NRE accounts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q14. What factors should be considered before opening a bank account?<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> Key considerations before opening a bank account are fees, interest rates, digital features, branch network, customer service, and general bank requirements.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q15. Explain the concept of a commercial bank.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> A commercial bank offers basic banking services to businesses and individuals including loans, deposits, remittances, and treasury functions.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large desktop-image\"><a href=\"https:\/\/internshala.com\/jobs\/?utm_source=is_blog&amp;utm_medium=icici-bank-relationship-manager-interview-questions&amp;utm_campaign=candidate-web-banner\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"203\" src=\"https:\/\/internshala.com\/blog\/wp-content\/uploads\/2024\/01\/Find-and-Apply-Banner-1024x203.jpg\" alt=\"Find and Apply Banner\" class=\"wp-image-21795\" srcset=\"https:\/\/internshala.com\/blog\/wp-content\/uploads\/2024\/01\/Find-and-Apply-Banner-1024x203.jpg 1024w, https:\/\/internshala.com\/blog\/wp-content\/uploads\/2024\/01\/Find-and-Apply-Banner-672x133.jpg 672w, https:\/\/internshala.com\/blog\/wp-content\/uploads\/2024\/01\/Find-and-Apply-Banner-1536x305.jpg 1536w, https:\/\/internshala.com\/blog\/wp-content\/uploads\/2024\/01\/Find-and-Apply-Banner-2048x406.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full mobile-image\"><a href=\"https:\/\/internshala.com\/jobs\/?utm_source=is_blog&amp;utm_medium=icici-bank-relationship-manager-interview-questions&amp;utm_campaign=candidate-mobile-banner\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"356\" height=\"256\" src=\"https:\/\/internshala.com\/blog\/wp-content\/uploads\/2024\/01\/Job-Banner-for-candidates.jpg\" alt=\"Job Banner for candidates\" class=\"wp-image-21794\"\/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ICICI_Relationship_Manager_Interview_Questions_for_Mid-Level\"><\/span>ICICI Relationship Manager Interview Questions for Mid-Level<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you&#8217;re a mid-level candidate preparing for an upcoming interview as a relationship manager at ICICI Bank, you&#8217;ll want to be well-equipped with the most commonly asked questions and their corresponding answers.&nbsp;<\/p>\n\n\n\n<p>You must prepare for situation-based questions like, \u201c<a href=\"https:\/\/internshala.com\/blog\/how-do-you-handle-stress-and-pressure\/\" target=\"_blank\" rel=\"noreferrer noopener\">How do you handle stress?<\/a>\u201d to showcase your analytical and <a href=\"https:\/\/internshala.com\/blog\/problem-solving-skills\/\" target=\"_blank\" rel=\"noreferrer noopener\">problem-solving skills<\/a>. You must also prepare for the technical relationship manager ICICI bank interview questions listed below:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q16. What is negative amortization?<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> In negative amortization, EMIs paid do not even cover the interest costs, it increases the loan amount instead of decreasing it over time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q17. Define the &#8216;cost of debt&#8217;.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> The cost of debt represents the effective interest rate a company pays on borrowed funds.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q18. Explain the concepts of &#8216;Loan Maturity&#8217; and &#8216;Yield&#8217;.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> Loan maturity refers to the length of time until the last payment on a loan is due. Yield refers to the annual rate of return on an investment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q19. Explain the concept of a line of credit.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> A line of credit is a type of loan offered by banks and other financial institutions that allows you to access a predetermined amount of money as needed. Repayment can be made either in full or through regular minimum payments over time, with interest charged on any borrowed funds.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q20. Define &#8216;Amortization&#8217;.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> Amortization means repaying a loan amount over the tenure through EMIs or Equated Monthly Installments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q21. What is a bank guarantee?<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> A bank guarantee is a commitment made by a financial institution to assist in the event that an individual or organization is unable to fulfill their debt obligations. This type of assurance, commonly known as letters of credit, plays a crucial role in facilitating international trade transactions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q22. What does &#8216;Availability Float&#8217; refer to?<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> Availability Float refers to the time between when a deposit is made to an account and when those funds become available for withdrawal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q23. Define payroll cards.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> Payroll cards are prepaid debit cards provided by employers to pay employees electronically as an alternative to paper checks or direct deposit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q24. What is meant by a co-maker?<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> A co-maker is a joint signer of a loan, who shares responsibility for repayment with the primary borrower.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q25. Explain the notion of a balloon payment.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> A balloon payment refers to a large final payment due at the end of a loan tenure to complete repayment of the borrowing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q26. Describe card-based payments.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> Card-based payments refer to transactions made using credit cards, debit cards, prepaid cards, etc. as a payment method.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q27. Describe a cashier\u2019s cheque.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> A cashier&#8217;s check, also referred to as an official bank check, is a financial tool issued by a bank or credit union for the benefit of a third party. It involves the customer paying the full amount stated on the check to their respective institution for them to issue it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q28. How does a bank generate profit?<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> Banks generate profit through the interest they charge on loans, the fees they collect for services, and the spread between interest paid on deposits and interest earned on loans.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q29. Define a home equity loan.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> A home equity loan is a loan secured using the borrower&#8217;s equity in their home as collateral.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q30. Expand the abbreviation ACH.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> ACH stands for Automated Clearing House. It is an electronic network for financial transactions for various kinds of transactions such as direct deposit of paychecks and monthly debits for routine payments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ICICI_Bank_Interview_Questions_for_Relationship_Manager_for_Experienced\"><\/span>ICICI Bank Interview Questions for Relationship Manager for Experienced <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Here are the top ICICI bank relationship manager interview questions and answers for advanced and experienced candidates. These questions help you improve your knowledge of the banking industry to impress your interviewer and increase your chances of landing the job.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q31. What is an ILOC (Irrevocable Letter Of Credit)?<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> An ILOC is an Irrevocable Letter of Credit that cannot be modified or canceled without the consent of all parties involved.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q32. Define Bill Discount.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> A &#8216;Bill Discount&#8217; is a way to settle your electricity or gas bill by selling it to a bank for early payment at a discounted rate. This means that the bank will pay less than the full amount of the bill and then collect the entire sum from you before the due date.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q33. Define loan grading.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> Loan grading is assigning a &#8216;grade&#8217; or risk rating to a loan based on an assessment of factors such as the borrower&#8217;s credit history.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q34. Explain the term credit check.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> A credit check is the process of examining an applicant&#8217;s credit report to determine creditworthiness for lending purposes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q35. Define the debt-to-income ratio.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> This figure serves as a metric for lenders to assess whether you can handle the required monthly repayments on any borrowed money. You can calculate the debt-to-income ratio (DTI) by dividing your total monthly debt payments by your gross monthly income. It should be noted that different loan options and lending institutions may impose different DTI thresholds.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q36. Explain the convertibility clause.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> A convertibility clause is a term found in loan contracts with financial institutions that grants the borrower the right to transform their loan into an alternative type of financial asset, such as equity or preferred shares.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q37. Define cheque endorsing.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> Cheque endorsing refers to the account holder signing at the back of a cheque, indicating a transfer of ownership. This allows the cheque&#8217;s new owner to cash or deposit the cheque.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q38. Enumerate the different categories of fixed deposits.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> Various banks in India offer different types of fixed deposits, but they can generally be divided into two main categories: cumulative and non-cumulative. Cumulative deposits do not pay out any interest during the term of the deposit; instead, both the main amount and accumulated interest are paid together upon maturity.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q39. What is adjustment credit?<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> Adjustment credit refers to a short-term loan facility extended by a bank to facilitate international trade transactions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q40. Define inter-bank deposit.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> An interbank deposit is a type of agreement between two banks where one bank holds funds in an account on behalf of another institution. This arrangement requires the holding bank to open and maintain an account on behalf of the other party.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q41. Can you define Usury?<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> Interest rates are typically determined by the laws of each state. Therefore, when an unlawful interest rate is imposed on a loan, it is known as &#8216;Usury&#8217;.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q42. Expand the abbreviation LIBOR.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> LIBOR stands for London Interbank Offered Rate. It serves as a widely used global benchmark reference rate for setting interest rates on various financial products and loan offerings.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q43. What is &#8216;Credit-Netting&#8217;?<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> Credit netting is the process of offsetting mutual debt obligations between two parties to determine a net amount payable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Q44. List the various types of loans provided by banks.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> The loans provided by banks are&nbsp;<\/p>\n\n\n\n<ul>\n<li>Home loans<\/li>\n\n\n\n<li>Personal loans<\/li>\n\n\n\n<li>Vehicle loans<\/li>\n\n\n\n<li>Business loans<\/li>\n\n\n\n<li>Gold loans<\/li>\n\n\n\n<li>Agricultural loans<\/li>\n\n\n\n<li>Education loans&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Q45. Explain the concept of a foreign draft.<\/h3>\n\n\n\n<p><strong>Answer:<\/strong> A foreign draft is a cheque or bill of exchange drawn on a bank located outside the country where it is issued.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tips_to_Acing_ICICI_Bank_Interview_Questions\"><\/span>Tips to Acing ICICI Bank Interview Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Below are some tips to help you ace your ICICI Bank relationship manager interview.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Research Company History<\/h3>\n\n\n\n<p>Discover the background of the organization, its services, and its culture. Additionally, familiarize yourself with the banking sector as a whole to demonstrate your enthusiasm for both the company and industry during interviews.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Practice Question and Response<\/h3>\n\n\n\n<p>Prepare for your interview by familiarizing yourself with some frequently asked questions like the questions listed above. By practicing beforehand, you will be able to provide strong and well-articulated responses during the actual interview.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Portray Confidence<\/h3>\n\n\n\n<p>It is essential to <a href=\"https:\/\/internshala.com\/blog\/how-to-answer-interview-questions-confidently\/\" target=\"_blank\" rel=\"noreferrer noopener\">answer an interview confidently<\/a>. This will demonstrate your suitability for the company, as well as your enthusiasm for the role. Keep a positive mindset throughout the conversation and emphasize your strengths and experiences that make you a valuable candidate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Ask Questions at the End of the Interview<\/h3>\n\n\n\n<p>Toward the end of the interview, you will be asked, \u201c<a href=\"https:\/\/internshala.com\/blog\/do-you-have-any-questions-for-me\/\" target=\"_blank\" rel=\"noreferrer noopener\">Do you have any questions for me?<\/a>\u201d The recruiter analyzes your personality and fit for the role based on this question. You must utilize this time wisely by asking relevant questions that demonstrate your genuine interest in both the company and the role at hand.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large desktop-image\"><a href=\"https:\/\/internshala.com\/jobs\/?utm_source=is_blog&amp;utm_medium=icici-bank-relationship-manager-interview-questions&amp;utm_campaign=candidate-web-banner\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"203\" src=\"https:\/\/internshala.com\/blog\/wp-content\/uploads\/2024\/01\/Find-and-Apply-Banner-1024x203.jpg\" alt=\"Find and Apply Banner\" class=\"wp-image-21795\" srcset=\"https:\/\/internshala.com\/blog\/wp-content\/uploads\/2024\/01\/Find-and-Apply-Banner-1024x203.jpg 1024w, https:\/\/internshala.com\/blog\/wp-content\/uploads\/2024\/01\/Find-and-Apply-Banner-672x133.jpg 672w, https:\/\/internshala.com\/blog\/wp-content\/uploads\/2024\/01\/Find-and-Apply-Banner-1536x305.jpg 1536w, https:\/\/internshala.com\/blog\/wp-content\/uploads\/2024\/01\/Find-and-Apply-Banner-2048x406.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full mobile-image\"><a href=\"https:\/\/internshala.com\/jobs\/?utm_source=is_blog&amp;utm_medium=icici-bank-relationship-manager-interview-questions&amp;utm_campaign=candidate-mobile-banner\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"356\" height=\"256\" src=\"https:\/\/internshala.com\/blog\/wp-content\/uploads\/2024\/01\/Job-Banner-for-candidates.jpg\" alt=\"Job Banner for candidates\" class=\"wp-image-21794\"\/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As you prepare for your upcoming interview, you&#8217;ll want to be well-equipped with the most commonly asked questions and answers. This will make you more confident and poised when you meet with your potential employer. So, keep this comprehensive list of the top ICICI Relationship Manager interview questions and answers handy. By being well-prepared, you can confidently demonstrate your suitability for the position and increase your chances of securing employment at one of India&#8217;s leading banks.<\/p>\n\n\n\n<p>Also, consider checking out our <a href=\"https:\/\/trainings.internshala.com\/interview-preparation-course\/?utm_source=is_blog&amp;utm_medium=icici-bank-relationship-manager-interview-questions&amp;utm_campaign=candidate-blog-detail\" target=\"_blank\" rel=\"noreferrer noopener\">interview preparation course<\/a> to prepare for your interview.<\/p>\n<aside class=\"mashsb-container mashsb-main \"><div class=\"mashsb-box\"><div class=\"mashsb-count mash-medium\" style=\"float:left\"><div class=\"counts mashsbcount\">0<\/div><span class=\"mashsb-sharetext\">SHARES<\/span><\/div><div class=\"mashsb-buttons\"><a class=\"mashicon-facebook mash-medium mashsb-noshadow\" href=\"https:\/\/www.facebook.com\/sharer.php?u=https%3A%2F%2Finternshala.com%2Fblog%2Ficici-bank-relationship-manager-interview-questions%2F\" target=\"_top\" rel=\"nofollow\"><span class=\"icon\"><\/span><span class=\"text\">Share&nbsp;on&nbsp;Facebook<\/span><\/a><a class=\"mashicon-subscribe mash-medium mashsb-noshadow\" href=\"#\" target=\"_top\" rel=\"nofollow\"><span class=\"icon\"><\/span><span class=\"text\">Get&nbsp;Your&nbsp;Dream&nbsp;Internship<\/span><\/a><div class=\"onoffswitch2 mash-medium mashsb-noshadow\" style=\"display:none\"><\/div><\/div>\n            <\/div>\n                <div style=\"clear:both\"><\/div><\/aside>\n            <!-- Share buttons by mashshare.net - Version: 4.0.42-->","protected":false},"excerpt":{"rendered":"<p>Do you have a passion for building strong client relationships and contributing towards the growth of a leading private sector bank in India? If yes, then ICICI Bank has a<\/p>\n","protected":false},"author":6509,"featured_media":26605,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"footnotes":""},"categories":[4316],"tags":[6015,6016,6017,6018,6019],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Top 45 ICICI Bank Relationship Manager Interview Questions<\/title>\n<meta name=\"description\" content=\"Discover the top ICICI Bank relationship manager interview questions with answers and effective tips to adequately prepare and ace your interview.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Top 45 ICICI Bank Relationship Manager Interview Questions\" \/>\n<meta property=\"og:description\" content=\"Discover the top ICICI Bank relationship manager interview questions with answers and effective tips to adequately prepare and ace your interview.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/\" \/>\n<meta property=\"og:site_name\" content=\"Internshala blog\" \/>\n<meta property=\"article:published_time\" content=\"2025-01-24T04:22:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-24T04:24:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/internshala.com\/blog\/wp-content\/uploads\/2024\/08\/icici-bank-relationship-manager-interview-questionsnew.png\" \/>\n\t<meta property=\"og:image:width\" content=\"390\" \/>\n\t<meta property=\"og:image:height\" content=\"255\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Jahanvi Rana\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jahanvi Rana\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/\"},\"author\":{\"name\":\"Jahanvi Rana\",\"@id\":\"https:\/\/internshala.com\/blog\/#\/schema\/person\/75affce92a02a4418772789270363417\"},\"headline\":\"45 ICICI Bank Relationship Manager Interview Questions [Freshers &amp; Advanced]\",\"datePublished\":\"2025-01-24T04:22:44+00:00\",\"dateModified\":\"2025-01-24T04:24:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/\"},\"wordCount\":2342,\"publisher\":{\"@id\":\"https:\/\/internshala.com\/blog\/#organization\"},\"keywords\":[\"icici bank interview questions for relationship manager\",\"icici bank relationship manager interview questions and answers\",\"icici bank relationship manager interview questions and answers for freshers\",\"icici relationship manager interview questions\",\"icici relationship manager interview questions for freshers\"],\"articleSection\":[\"Interview Guide\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/\",\"url\":\"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/\",\"name\":\"Top 45 ICICI Bank Relationship Manager Interview Questions\",\"isPartOf\":{\"@id\":\"https:\/\/internshala.com\/blog\/#website\"},\"datePublished\":\"2025-01-24T04:22:44+00:00\",\"dateModified\":\"2025-01-24T04:24:41+00:00\",\"description\":\"Discover the top ICICI Bank relationship manager interview questions with answers and effective tips to adequately prepare and ace your interview.\",\"breadcrumb\":{\"@id\":\"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/internshala.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Job Tips\",\"item\":\"https:\/\/internshala.com\/blog\/job-tips\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Interview Guide\",\"item\":\"https:\/\/internshala.com\/blog\/job-tips\/interview-guide\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"ICICI Bank Relationship Manager Interview Questions\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/internshala.com\/blog\/#website\",\"url\":\"https:\/\/internshala.com\/blog\/\",\"name\":\"Internshala blog\",\"description\":\"Your favourite senior outside college\",\"publisher\":{\"@id\":\"https:\/\/internshala.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/internshala.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/internshala.com\/blog\/#organization\",\"name\":\"Internshala blog\",\"url\":\"https:\/\/internshala.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/internshala.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/internshala.com\/blog\/wp-content\/uploads\/2023\/08\/LOGO-1.png\",\"contentUrl\":\"https:\/\/internshala.com\/blog\/wp-content\/uploads\/2023\/08\/LOGO-1.png\",\"width\":112,\"height\":31,\"caption\":\"Internshala blog\"},\"image\":{\"@id\":\"https:\/\/internshala.com\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/internshala.com\/blog\/#\/schema\/person\/75affce92a02a4418772789270363417\",\"name\":\"Jahanvi Rana\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/internshala.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/internshala.com\/blog\/wp-content\/uploads\/2025\/01\/1000039424-01_Original-96x96.jpeg\",\"contentUrl\":\"https:\/\/internshala.com\/blog\/wp-content\/uploads\/2025\/01\/1000039424-01_Original-96x96.jpeg\",\"caption\":\"Jahanvi Rana\"},\"description\":\"Jahanvi Rana has been a part of Internshala since November 2023. She holds a Master\u2019s degree in English Literature. As a passionate writer, she has published many dissertations, research papers, and even co-authored a book around the theory of feminism. Jahanvi also works on creating engaging YouTube scripts, bringing ideas to life through her words. When she\u2019s not busy crafting content, you can find her binge-watching \u201cThe Office\u201d and laughing at timeless one-liners.\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/jahanvi-rana-50a9321b0\/\"],\"url\":\"https:\/\/internshala.com\/blog\/author\/jahanvi-is\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Top 45 ICICI Bank Relationship Manager Interview Questions","description":"Discover the top ICICI Bank relationship manager interview questions with answers and effective tips to adequately prepare and ace your interview.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/","og_locale":"en_US","og_type":"article","og_title":"Top 45 ICICI Bank Relationship Manager Interview Questions","og_description":"Discover the top ICICI Bank relationship manager interview questions with answers and effective tips to adequately prepare and ace your interview.","og_url":"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/","og_site_name":"Internshala blog","article_published_time":"2025-01-24T04:22:44+00:00","article_modified_time":"2025-01-24T04:24:41+00:00","og_image":[{"width":390,"height":255,"url":"https:\/\/internshala.com\/blog\/wp-content\/uploads\/2024\/08\/icici-bank-relationship-manager-interview-questionsnew.png","type":"image\/png"}],"author":"Jahanvi Rana","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Jahanvi Rana","Est. reading time":"12 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/#article","isPartOf":{"@id":"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/"},"author":{"name":"Jahanvi Rana","@id":"https:\/\/internshala.com\/blog\/#\/schema\/person\/75affce92a02a4418772789270363417"},"headline":"45 ICICI Bank Relationship Manager Interview Questions [Freshers &amp; Advanced]","datePublished":"2025-01-24T04:22:44+00:00","dateModified":"2025-01-24T04:24:41+00:00","mainEntityOfPage":{"@id":"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/"},"wordCount":2342,"publisher":{"@id":"https:\/\/internshala.com\/blog\/#organization"},"keywords":["icici bank interview questions for relationship manager","icici bank relationship manager interview questions and answers","icici bank relationship manager interview questions and answers for freshers","icici relationship manager interview questions","icici relationship manager interview questions for freshers"],"articleSection":["Interview Guide"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/","url":"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/","name":"Top 45 ICICI Bank Relationship Manager Interview Questions","isPartOf":{"@id":"https:\/\/internshala.com\/blog\/#website"},"datePublished":"2025-01-24T04:22:44+00:00","dateModified":"2025-01-24T04:24:41+00:00","description":"Discover the top ICICI Bank relationship manager interview questions with answers and effective tips to adequately prepare and ace your interview.","breadcrumb":{"@id":"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/internshala.com\/blog\/icici-bank-relationship-manager-interview-questions\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/internshala.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Job Tips","item":"https:\/\/internshala.com\/blog\/job-tips\/"},{"@type":"ListItem","position":3,"name":"Interview Guide","item":"https:\/\/internshala.com\/blog\/job-tips\/interview-guide\/"},{"@type":"ListItem","position":4,"name":"ICICI Bank Relationship Manager Interview Questions"}]},{"@type":"WebSite","@id":"https:\/\/internshala.com\/blog\/#website","url":"https:\/\/internshala.com\/blog\/","name":"Internshala blog","description":"Your favourite senior outside college","publisher":{"@id":"https:\/\/internshala.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/internshala.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/internshala.com\/blog\/#organization","name":"Internshala blog","url":"https:\/\/internshala.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/internshala.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/internshala.com\/blog\/wp-content\/uploads\/2023\/08\/LOGO-1.png","contentUrl":"https:\/\/internshala.com\/blog\/wp-content\/uploads\/2023\/08\/LOGO-1.png","width":112,"height":31,"caption":"Internshala blog"},"image":{"@id":"https:\/\/internshala.com\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/internshala.com\/blog\/#\/schema\/person\/75affce92a02a4418772789270363417","name":"Jahanvi Rana","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/internshala.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/internshala.com\/blog\/wp-content\/uploads\/2025\/01\/1000039424-01_Original-96x96.jpeg","contentUrl":"https:\/\/internshala.com\/blog\/wp-content\/uploads\/2025\/01\/1000039424-01_Original-96x96.jpeg","caption":"Jahanvi Rana"},"description":"Jahanvi Rana has been a part of Internshala since November 2023. She holds a Master\u2019s degree in English Literature. As a passionate writer, she has published many dissertations, research papers, and even co-authored a book around the theory of feminism. Jahanvi also works on creating engaging YouTube scripts, bringing ideas to life through her words. When she\u2019s not busy crafting content, you can find her binge-watching \u201cThe Office\u201d and laughing at timeless one-liners.","sameAs":["https:\/\/www.linkedin.com\/in\/jahanvi-rana-50a9321b0\/"],"url":"https:\/\/internshala.com\/blog\/author\/jahanvi-is\/"}]}},"_links":{"self":[{"href":"https:\/\/internshala.com\/blog\/wp-json\/wp\/v2\/posts\/22014"}],"collection":[{"href":"https:\/\/internshala.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/internshala.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/internshala.com\/blog\/wp-json\/wp\/v2\/users\/6509"}],"replies":[{"embeddable":true,"href":"https:\/\/internshala.com\/blog\/wp-json\/wp\/v2\/comments?post=22014"}],"version-history":[{"count":0,"href":"https:\/\/internshala.com\/blog\/wp-json\/wp\/v2\/posts\/22014\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/internshala.com\/blog\/wp-json\/wp\/v2\/media\/26605"}],"wp:attachment":[{"href":"https:\/\/internshala.com\/blog\/wp-json\/wp\/v2\/media?parent=22014"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/internshala.com\/blog\/wp-json\/wp\/v2\/categories?post=22014"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/internshala.com\/blog\/wp-json\/wp\/v2\/tags?post=22014"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}