IDBI Bank ESO case studies

IDBI Bank ESO · Put your knowledge to work in context.

IDBI Bank ESO refers to the bank's Executive Sales Officer recruitment, an entry-level sales-and-banking role filled through a multiple-choice written examination. This independent study page is for candidates preparing for that exam and is not affiliated with, endorsed by, or operated by IDBI Bank. The IDBI Bank ESO case studies are 5 cases and about 4,506 words.

The ₹5-lakh cap and the gold loan: sizing a DICGC payout after a moratorium

Sunrise Nagari Sahakari Bank, a district-level cooperative bank with 41 branches, was placed under a 12-month moratorium by the Reserve Bank of India on 3 February. Withdrawals were capped at ₹5,000 per depositor.

637 words, about 3 min 2

OTS at ₹2.05 crore or SARFAESI at ₹2.4 crore: the 15-month discounting question

The Nagpur branch of a public sector bank is deciding how to close a stressed account, Deccan Agro Foods Pvt Ltd. The outstanding is ₹3.20 crore - principal ₹2.60 crore plus interest ₹0.60 crore.

726 words, about 4 min 3

Rule-based fraud triage: six alerts, one gap in the rulebook

Your bank's fraud-monitoring cell runs four real-time rules on retail transactions: R1 - amount above ₹2,00,000 AND device first seen within 7 days AND beneficiary account less than 30 days old → auto-block. R2 - amount between ₹50,000 and ₹2,00,000 AND transaction between 23:00 and 06:00 AND transaction location different from registered address → hold and call the customer.

1,020 words, about 5 min 4

The double-debit advisory: fixing grammar, tone and jargon in 48 hours

You manage the nodal branch of a bank that migrated its core banking system over the weekend of 8–9 March. A batch error caused 3,100 standing-instruction auto-debits (EMIs, insurance premiums, mutual fund SIPs) to be presented twice, debiting roughly ₹4.6 crore in total.

1,016 words, about 5 min 5

ALCO in a rate-cut cycle: 38% repo-linked assets against 30% savings liabilities

The asset-liability committee of a mid-sized bank meets a week after the Monetary Policy Committee cut the policy repo rate by 25 basis points. The balance sheet position is: Advances: ₹1,20,000 crore at an average yield of 9.20%.

1,107 words, about 6 min