IDFC FIRST Bank
IDFC FIRST Bank interview process: screening, online assessment, panel and HR rounds, plus the questions asked for relationship manager and branch roles.
- 4,570 open jobs
- 2018 founded
- Mumbai headquarters
About IDFC FIRST Bank
IDFC FIRST Bank is a Mumbai-headquartered private sector bank formed in 2018 by the merger of IDFC Bank and Capital First. It has grown quickly into a retail-focused universal bank with more than 1,000 branches, a large customer base and a reputation for customer-friendly products such as zero-fee banking, monthly interest credit on savings accounts and a strong credit card and digital app franchise.
The bank hires in large numbers for branch banking, relationship management, retail and rural lending, credit cards, collections, credit underwriting, operations, treasury, digital product and technology. Freshers join as associate relationship managers, relationship officers and management trainees through campus drives, off-campus recruitment drives and fresher banking programmes that combine classroom training with on-the-job placement. Experienced bankers are hired directly into branch leadership, wealth, corporate and SME banking, and risk.
IDFC FIRST Bank talks openly about being a "customer first" and ethically driven bank, and its interviews reflect that. Alongside sales and product knowledge, panels test honesty, service attitude and whether you would put a customer's interest ahead of a quick target.
IDFC FIRST Bank hiring process
IDFC FIRST Bank's process is compact. Fresher programmes have a structured assessment path; lateral hires usually go straight to interviews after screening.
1. Application
Apply through the bank's careers page, a campus placement cell, an off-campus drive announced on social media, or a job portal such as Jobaaj. Fresher banking programmes require you to register for a specific cohort and city.
2. Resume screening and telephonic call
HR screens for education, percentage, age and location preference, then calls to confirm interest, relocation flexibility and, for sales roles, comfort with field work and targets. This call is short but is an elimination step.
3. Online assessment
For fresher and programme hiring there is an online test of aptitude, reasoning, English and a basic banking or situational judgement section. Some roles use a short psychometric test. Technology roles get coding and SQL questions instead.
4. Panel or functional interview
A 20 to 40 minute interview with a branch manager, cluster head or functional lead. Expect questions on banking basics, customer acquisition, the bank's products and how you would handle a service or credit situation. Experienced candidates are asked about their book size, targets achieved and portfolio quality.
5. HR interview
A discussion of compensation, role expectations, location, notice period and background. Programme hires are also briefed on the training structure and the role they will be placed in.
6. Offer, verification and onboarding
A provisional or final offer is followed by document and background verification. Programme hires complete classroom training before branch placement; direct hires join with a compliance induction.
IDFC FIRST Bank interview rounds
Three evaluated rounds are typical for fresher and branch roles; lateral hires often face two interviews with a functional head and HR.
Round 1: Online assessment
A 45 to 60 minute online test for fresher and programme candidates. The banking awareness section rewards candidates who have read about the bank's products.
- Arithmetic, percentages, interest calculations, data interpretation
- Logical reasoning and puzzles
- English grammar and comprehension
- Situational judgement on customer service and ethics
Round 2: Panel interview with business managers
Twenty to forty minutes with one or two managers, in person at a branch or regional office or over video. Freshers are judged on communication and attitude; experienced candidates on numbers.
- What do you know about IDFC FIRST Bank's savings account and credit card offerings?
- How would you acquire ten new customers in your first month?
- Explain KYC and why a bank cannot skip it
- Lateral: what is your current portfolio size and how did you grow it?
Round 3: Credit or technical round (selected roles)
Credit, risk, collections and technology candidates get a specialist round of 30 to 45 minutes.
- How do you assess the repayment capacity of a self-employed borrower?
- What would make you reject a loan application that meets the policy on paper?
- Technology: write a SQL query, explain an API you built, discuss data security
Round 4: HR interview
A 15 to 30 minute closing conversation. This round confirms fit, location and pay.
- Why IDFC FIRST Bank rather than a larger bank?
- Are you comfortable with field visits and Saturday working?
- Salary expectation and notice period
- Where do you see yourself in three years?
IDFC FIRST Bank salaries
| Designation | Average salary |
|---|---|
Branch / Area Manager Experience: 6 - 10 years yrs |
₹ 13.6 Lakhs /year Typical range â‚ą9.6 L – â‚ą17.6 L/yr |
Credit / Risk Analyst Experience: 2 - 5 years yrs |
₹ 8.4 Lakhs /year Typical range â‚ą5.6 L – â‚ą11.2 L/yr |
Assistant Manager Experience: 2 - 5 years yrs |
₹ 6.8 Lakhs /year Typical range â‚ą4.8 L – â‚ą8.8 L/yr |
Relationship Manager Experience: 1 - 4 years yrs |
₹ 4.8 Lakhs /year Typical range â‚ą3.2 L – â‚ą6.4 L/yr |
Figures are estimates based on typical market ranges for this role and sector, not company-published pay. Actual offers vary by location, skills and negotiation.
IDFC FIRST Bank interview questions
Question banks most relevant to roles at IDFC FIRST Bank, with model answers.
IDFC FIRST Bank interview FAQs
Q1How many interview rounds does IDFC FIRST Bank have?
Usually two to three. Freshers and programme candidates take an online assessment, then a panel interview with business managers and an HR round. Lateral candidates typically go straight to a functional interview and HR. Credit, risk and technology roles add a specialist round, so plan for up to four conversations.
Q2How long does IDFC FIRST Bank take to make an offer?
Off-campus drives and fresher programmes often finish in one to three weeks because rounds are held on the same day or within days. Lateral hiring generally takes three to five weeks. Background verification runs after the offer and joining is usually scheduled once the branch or team has a vacancy.
Q3Why do you want to join IDFC FIRST Bank?
Point to something concrete: the bank's rapid retail growth, its customer-first products such as zero-fee banking and monthly interest credit, its digital app, or the chance to grow fast in a younger organisation. Then connect that to your goals, for example building a career in relationship management where you can grow with the bank.
Q4How would you convince a customer to open a savings account with us instead of their existing bank?
Start by asking what they dislike about their current bank, then match a specific IDFC FIRST feature to that pain point, such as no hidden charges, competitive interest, a good app or doorstep service. Be honest about what the account cannot do. Interviewers look for need-based selling and product accuracy, not aggressive persuasion.
Q5What would you do if a customer asks you to deposit cash without proper KYC?
Say clearly that you would not do it, explain KYC and anti-money-laundering rules politely to the customer, offer to help complete the documentation quickly, and escalate to your manager if the customer insists. This question checks integrity, which the bank weighs heavily, so a firm but courteous answer is the right one.
Q6What is the eligibility and salary for freshers at IDFC FIRST Bank?
Most fresher roles ask for any graduate degree, often with 50 to 60 per cent marks, and an age limit in the mid-twenties; management trainee roles need an MBA or PGDM. Associate relationship manager and relationship officer packages are typically a few lakhs per year plus incentives, and vary by city and programme, so treat portal figures as indicative and confirm in the offer.
Quick facts about IDFC FIRST Bank
- Is IDFC FIRST Bank a public or private company?
- Ownership: Public.
- Who is the CEO of IDFC FIRST Bank?
- As recorded on this profile, V Vaidyanathan leads IDFC FIRST Bank. Leadership can change - check the company's own site for the current position holder.
- What does IDFC FIRST Bank do?
- IDFC FIRST Bank operates in Banking and Financial Services.
- Where is IDFC FIRST Bank headquartered?
- IDFC FIRST Bank is headquartered in Mumbai, Maharashtra, India.
4,570 open jobs at IDFC FIRST Bank
Apply on Jobaaj, and use this guide to prepare before your first round.
Log in with Google
Log in with LinkedIn
