1. What is SDLC STLC?

Ans-
-SDLC is Software Development Life Cycle is process used by the software industry to
design, develop and test high quality software’s which meets the customer expectations.
-The Software Testing Life Cycle (STLC) is a sequence of specific actions performed
during the testing process to ensure that the software quality objectives are met. The STLC
includes both verification and validation.

2. What are different phases of STLC?

Ans-
- Requirement Analysis
- Test Planning
- Test Design
- Test Implementation
- Test Execution
- Test Closure

3.What is Requirement Gathering phase?

Ans-
It is done by BA, he communicates with the customer and all his requirements are
documented. Domain of project gets identified. Documents of this phase is called as BRS
i.e Business Requirement Specification

3. What is Test Designing phase?

Ans-
In Test Design phase we do all the documentation part of Test Engineer which includes-
Test Scenario
Test Cases
Test Data
RTM

4. What are contents of Test Plan?

Ans-
- Test Plan ID
- Introduction
- Iteration
- Test Items
- Features to be Tested
- Features not to be Tested
- Test Approach
- Estimation
- Responsibilities
 5. What is RTM?
Ans-RTM is mapping of customer requirements with our test cases to verify that application is tested as
per the client's expectations.

6. What is Boundary Value Analysis?

Ans-As application changes its behavior at boundary, it is necessary to consider the boundary
conditions.
- BVA involves selecting test data from equivalent classes which satisfy boundary conditions.
- Boundary conditions are those situations directly on, above or beneath edges
of equivalence classes.

7. W
hat is Equivalent partitioning?
Ans-
- An Equivalence class consists of set of test data that is treated in same manner by
the application and which produces the same result.
- This technique is used to reduce the number of Test Data to manageable level &
maintain reasonable test coverage.

8. What is Beta Testing?

Ans-
- Beta Testing is conducted in uncontrolled environment means within organisation
tester do testing.
- Developer and tester are less involved.
- Customers are microsoft, Rupay, Mastercard.

9. What is Alpha Testing?

Ans-
- Alpha Testing is conducted in controlled environment means it is conducted in
front if tester, developer & customer.
- Developer & Tester are more involved in the alpha testing.
- Real customers are involved like HDFC, IDBI, ICICI etc.

10.What is White BoxTesting?

Ans-
- White box testing is done by Coder.
- It is also called as code level testing, unit testing, clear box testing.
- Coder checks or tests only positive scenarios.
- White box testing has purpose to test correctness and completeness of the program.

11.What is Black Box Testing?

Ans-BBT is also known as System Function Testing.
-This testing is done by Tester.
- Overall functionality gets checked in this type.
- Tester check internal functionality depend upon external functionality.
- Tester tests positive as well as negative scenario.

13.Who does Unit Testing ?

Ans- Developer

14.What is Integration testing ?

Ans-
- Integration is the process of mapping new module with the old module.
-When White Box Testing is over, then developer has to do integration. 2
types of Integration Testing
- Top Down approach (STUB)
- Bottom Up approach (DRIVER)

15.What is basic difference of Smoke & Sanity Testing?

Ans-
-Smoke testing verifies build stable or not where as sanity testing verifies build is relatively
stable or not.
-Smoke testing performed for basic & critical functionalities where as sanity testing performed
for new functionalities like defect fixing.

16.What is Retesting?
Ans-
Whenever the raised defect is fixed by developer, Tester verifies using test cases that defect
is fixed or not.

17.What is Regression Testing?

Ans-
Regression testing is process in which we test the corrected functions to ensure that they
are working well & to check wether it has impact on other modules.

18.What is the process of Test Cases preparation?

Ans-
- Find your requirements.
- Create a summary.
- Include description of goals.
- Determine Pre-Conditions.
- Write clear, simple steps.
- Expected Results.

19.What is Agile Methodology?

Ans-
- Agile Methodology is the methodology which is module driven methodology.
- Requirements are changing frequently in agile methodology.
- Sprint delivery is followed in Agile.
- So it is not plan driven methodology.
- It is incremental & iterative method.
- There is no SRS in the agile, instead of the SRS there is “RALLY” tool, in which any changes
are inserted by the product owner & those are visible to the tester developer.
 20.What is Sprint Planning?
Ans-
- Sprint planning is one of the central ceremonies in the Agile Scrum framework.
- It is a working session that happens approximately once per week during the sprint, and
allows scrum team members to agree on product backlog items that will be completed
during the sprint.

21.What is shortest duration of sprint?

Ans- One week.

22.What is longest duration of sprint?

Ans- Four Weeks.

23.What is Waterfall model?

Ans-
- Waterfall model is the step-by-step implementation of SDLC phases.
- Whenever 1st stage is over then procedure goes to next stage.
- General time duration of Waterfall model is of 3 months.
- Inthismodel,ifanybugisfoundbyTester,thenhedon’tsenditbacktodeveloper, instead of that
the bug is locked & reported and then that bug is fixed in next version of product.

24.What is Scrum?
Ans-
- Scrum testing is a type of software testing that is performed to check the ability of
the software or application executes the complicated processes.
- This testing also checks various other parameters of the software like quality, usability
and performance.

25.What is Defect Life Cycle ?

Ans-
- Tester finds the defect
- Status assigned to defect- New
- A defect is forwarded to Project Manager for analyze
- Project Manager decides whether a defect is valid
- Here the defect is not valid- a status is given "Rejected."
- So, project manager assigns a status rejected. If the defect is not rejected then the next
step is to check whether it is in scope. Suppose we have function- email functionality for
the same application, and you find a problem with that. But it is not a part of the current
release when such defects are assigned as a postponed or deferred status.
- Next, the manager verifies whether a similar defect was raised earlier. If yes
defect is assigned a status duplicate.
- If no the defect is assigned to the developer who starts fixing the code. During this
stage, the defect is assigned a status in- progress.
- Once the code is fixed. A defect is assigned a status fixed
- Next, the tester will re-test the code. In case, the Test Case passes the defect is
closed. If the test cases fail again, the defect is re-opened and assigned to the developer.

26.What is actionable of Tester for Invalid defects?

Ans-
- If two or more defect reports are filed which subsequently are found to relate to same
root cause, then one of the defect reports is typically retained while the others are closed as
duplicate defect report.

27.What is actionable of Tester for Deferred defects?

Ans-
- Deferred defects are the defects which are postponed to be fixed in next release.

28.What is difference between Priority & Severity? Give Example.

Ans-
-Priority is a parameter to decide the order in which defects should be fixed.
- Severity means how severe defect is affecting the
functionality. Eg. High Priority, High Severity
You log in to your amazon.com account,additemstothecartandclickthe“Proceedto Checkout”
button.Youmakethepaymentandthesystemcrashes.This defect makes the whole buying
functionality unusable and so the severity is high.
The basic purpose of amazon.com is to buy and sell products and most of the customers are
affected by this. So, this defect is of high priority which must be fixed immediately for the
buying process to work.

29.What is difference between Test Scenarios & Test Cases? Give Example.
Ans-
- Test Case is a set of actions executed to verify particular features or functionality
whereas Test Scenario is any functionality that can be tested.
- Test Case includes test steps, data, and expected results for testing whereas Test
Scenario includes an end to end functionality to be tested.
Eg of Test Scenarios
Test Scenario 1: Check the Search Functionality
Test Scenario 2: Check the Payments
Functionality Test Scenario 3: Check the Login
Functionality
Eg of Test Cases
(To check the login functionality)
- Check system behavior when valid email id and password is entered.
- Check system behavior when invalid email id and valid password is entered.
- Check system behavior when valid email id and invalid password is entered.
- Check system behavior when invalid email id and invalid password is entered.
- Check system behavior when email id and password are left blank and Sign in entered.
- Check Forgot your password is working as expected.
- Check system behavior when valid/invalid phone number and password is entered.
- Checksystembehaviorwhen“Keepmesigned”ischecked.
 30.How do you verify the complete dataflow?
Ans-

31.What is API Testing?

Ans-
- API stands for Application Programming Interface.
- They are basically a collection of functions & procedures which allows us to
communicate two applications or libraries.
-In short it is like connector between two services.

32.What are tools used for API Testing ?

Ans- SOAPUI, POSTMAN

33.How do you plan the Interface Testing ?

Ans-
Interface Testing includes testing of two main segments.
- Web Server and application server interface.
- Application server and database server
interface. Interface Testing is done as-
- Check servers are executed properly or not.
- Errors are handled properly or return an error message for any query made by
an application.
- Check the outcomes when connection to a web server is reset in between.

34.What is Browser Compatibility and Device Compatibility ?

Ans-
- Browser Compatibility means tester verifies that the website or web application
developed is working as expected in any given browser or not.
- Device Compatibility means tester verifies that the application developed behaves
as expected across the devices accesed by customer, it maybe mobile or other devices.

35.How do you plan browser compatibility testing ?

Ans-
- Establish a baseline.
- Create a testing plan and pick browsers to test on.
- Execution of Manual Testing.
- Infrastructure.

36. How do you plan device compatibility testing ?

Ans-
-- Establish a baseline.
- Create a testing plan and pick browsers to test on.
- Execution of Manual Testing.
- Infrastructure.
 37.What is the file named in case of Android app ?
Ans- .apk file

38.What is the file named in case of IOS app ?

Ans- .ipa file

39.What kind of testing you can plan in mobile testing? -

Ans-
- Funcionality - Non Functional - Localization -Memory Leak
Testing
- Security - Usability - Performance

40.What is Monkey Testing/ Gorilla Testing?

Ans-
-When we have lot of test cases to execute but don’t have enough time to do execution of test
cases, that time we use monkey testing.
-We test basic functionality with respect to the customers requirement.
-We check only high priority test cases.

41.What is Exploratory Testing ?

Ans-
- When we are not aware of the application but we have test case, test case data, SRS,
that time we conduct Exploratory Testing.
- Here we do step by step execution of test cases.

42.What are different test levels in STLC. Explain in sequence.

Ans-

i. Requirement Analysis
During this phase, feature requirements collected in the SDLC process are evaluated to
identify testable aspects. If necessary, testing teams may need to consult with stakeholders
to clarify requirements. These requirements can either be functional or non-functional,
defining what a feature can do or it’scharacteristicsrespectively.

ii. Test Plan

During this phase, the test strategy is outlined in a test plan document. This strategy
includes tools needed, testing steps, and roles and responsibilities. Part of determining this
strategy is a risk and cost analysis and an estimated timeline for testing.

iii. Test Design

During this phase the documentation part is done which includes
- Test Scenario - Test Cases
- Test Data - RTM

iv. Test Implementation

Organization of Test Documents is done along with developing and prioritizing test
procedures.
 v. Test Execution
Our execution of test cases falls under this phase. Defects found are logged and reported to
developer to fix it.

vi. Test Closure

Test Closure is a document that gives a summary of all the tests conducted during the
software development life cycle, it also gives a detailed analysis of the bugs removed and
errors found. This memo contains a report of test cases executed, type and number of
defects found, the density of defects, etc.

43.What is difference between functional and non-functional testing ?

Ans-
- Functional testing verifies each function/feature of the software whereas Non
Functional testing verifies non-functional aspects like performance, usability, reliability,
etc.
- Functional testing can be done manually whereas Non Functional testing is
hard to perform manually
- Functionaltestingisbasedoncustomer’srequirementswhereasNonFunctionaltestingis basedon
customer’sexpectations.
- Functional testing has a goal to validate software actions whereas Non Functional
testing has a goal to validate the performance of the software.
- Functional describes what the product does whereas Non Functional describes how
the product works.
- Functional testing is performed before the non-functional testing.

44. Please pick one positive and negative test scenario of your project and explain the
testing process.
Ans- For Co-Applicants details

Positive Scenario-
To check the Co-Applicants details by feeling all correct data like Correct length
of the name field, Address details, Aadhar card number (Numeric with length 12 digits), Pan
card number (10 alphanumeric),Contact Details,Loan/Income ratio of co-applicants

Negative Scenario-
To check the Co-Applicants details by feeling incorrect data like Incorrect
length of the name field, incorrect Address details, incorrect Aadhar card number (Numeric not
having length 12 ), Pan card number (Not 10 alphanumeric),incorrect Contact Details so by
putting the incorrect data the error message will fire for each and every incorrect filled data.

45. What is Gap Analysis?

Ans- A gap analysis is the process companies use to compare their current performance
with their desired, expected performance. This analysis is used to determine whether a
company is meeting expectations and using its resources effectively.

46.What are Defect Tracking Tools?

Ans- JIRA, BugZilla, HP-ALM, Salesforce.
 47.What are contents of Test Closure report ?
Ans-
- Report of test cases executed.
- Number of defects found.
- Density of defects.
- Detailed analysis of Bugs removed
48.What should be the TAT of the defects fixes ?
Ans-
A defect is measured on the basis of the turnaround time, that is, actual time taken to fix
the defect divided by the planned time taken to fix the defect. When a defect occurs, the
development team tries to analyse it's impact and decides on a target fix date , by when it
shall be resolved.

49.How do you track the work of resources ?

Ans-
- Follow the standards
- Documentation
- Proactivity

50. What reports you should share Daily?

Ans- Daily Status Report (DSR)- current date

51. What reports you should share weekly?

Ans- Weekly Status Report (DSR)- till date

52. What reports you should share monthly?

Ans- Monthly Status Report (DSR)- till date

53. What are the deliverables of different phases?

Ans-
i. Requirement Analysis
Test Strategy

ii. Test Plan

- Test Plan Document
- Effort Estimation

iii. Test Design

- Test Scenario - Test Cases
- Test Data - RTM

iv. Test Implementation

- Test Scripts

v. Test Execution
- Test Execution Report
- Defect Report
- Test Summary

vi. Test Closure

- Test Closure Report
- Release Notes

54.What is RACI Matrix ?

Ans- RACI stands for Responsible, Accountable, Consulted, Informed.

- Responsible: This team member does the work to complete the task. Every task needs
at least one Responsible party,butit’sokaytoassignmore.

- Accountable: This person delegates work and is the last one to review the task or
deliverablebeforeit’sdeemedcomplete.Onsometasks,theResponsible party may also serve as the
Accountable one. Just be sure you only have one Accountable person assigned to each task
or deliverable.

- Consulted: Every deliverable is strengthened by review and consultation from more

than one team member. Consulted parties are typically the people who provide input
based on either how it will impact their future project work or their domain of expertise
on the deliverable itself.

- Informed: These team members simply need to be kept in the loop on project
progress, rather than roped into the details of every deliverable.

55.Who provides sign off after completion of testing ?

Ans-
QA gives sign off with pior approval from senior management.
 BANKING
1. Different banking transaction –NEFT, RTGS, IMPS, UPI. ?
Ans-
- NEFT-National Electronic Fund Transfer
Minimum transfer amount 1Rs, Maximum Amount-No Limit Service Available Online and
Offline
Amount settlement in Batches (Half hourly Basis) Service Timing 8am-7pm in working days
No charges on transaction Managed By RBI
Need Account No and IFSC (Indian Financial System Code) Available Source is Internet
banking

- RTGS-Real Time Gross Settlement

Minimum transfer amount 2 lakh , Maximum Amount-No Limit Service Available Online and
Offline
Amount settlement in Real Time
Service Timing 8am-7pm in working days No charges on transaction
Managed By RBI
Need Account No and IFSC (Indian Financial System Code) Available Source is Internet
banking

-IMPS -Immediate Payment Service

Minimum transfer amount 1 Rs , Maximum Amount-2 lakh Service Available only Online
Amount settlement in Real Time Service available 24*7
Charges Decided by individual members bank Managed By NPCI
Need Account No and IFSC (Indian Financial System Code) or MMID (Mobile Money
Identifier) and Mobile Number.

- UPI-Unified Payment Interface

Minimum transfer amount 1 Rs , Maximum Amount- 1 lakh Service Available only Online
Amount settlement in Real Time Service available 24*7
Managed By NPCI
VPA or virtual payment address or UPI ID or Account Number with IFSC code or mobile
number or QR CODE all stands valid to initiate a fund transfer in this process.
Mobile application need for this transaction (Phonepe, Paytm, BHIM UPI)
2. Maximum and Minimum amount limit of transactions ?
Ans-
Minimum Maximum
NEFT 1rs Unlimited
RTGS 2 lakhs Unlimited
IMPS 1rs 2 lakhs

3. Time Limit of Transactions ?

Ans-
NEFT - 8am to 7pm RTGS - 8am to 7pm IMPS - 24*7
UPI - 24*7

4. How NEFT Transaction happens ?

Ans-
- NEFT or National Electronic Funds Transfer is an electronic fund transfer scheme that uses
internet banking or mobile banking to transfer funds from one bank account to another.
- The funds are transferred in half-hourly batches with the money being credited in the
beneficiary's account within a maximum of 2 hours.
- You get an instant alert, through an SMS, that the beneficiary account has been credited.
- This is how you would know that the NEFT transaction has been completed

5. What is Cooling period ?

Ans-
When customer add the beneficiary to the account then for approve purpose bank needs
some time that period is nothing but the cooling period.

6. What is Financial and Non-Financial Transaction?

Ans-
- Those transaction measured value in terms of money is called as financial transaction. It is
record keeping in term of money
Ex-sales purchase, etc.
- Those transaction not measured value in terms of money is called as financial transaction. -
- It is not record keeping in term of money.
- Ex- It is human being value means new employ give training in particular period.

7. What is Dormant Account ?

Ans-
A dormant account is an account that has had no financial activity for a long period of
time.
Or
Accounts are those which are presently not in use but it is likely that it may be used in the
near future.
8. What is inactive Account ?
Ans-
If you haven't used your savings or current account for any transactions for over 1 year, the
account becomes inactive
Or
Inactive account means an account had not been in use for a long time and not going to be
used in the future.

9. What is blocked account ?

Ans-
Blocked account refers to an account that does not allow for unlimited or indiscriminate
withdrawal or other access but instead has certain restrictions or limitations on when, how
much, and by who, capital can be withdrawn.
Blocked account is usually determined as frozen account

10. What is different between current account and saving account ?

Ans-
Saving account Current account
Allows limited transaction Allows daily transaction
Suitable for people who are salaried or Suitable for traders and entrepreneurs
have monthly income who need to access their account frequently.

Earn interest 3.5 % No interest earn

Minimum balance required is usually low Minimum balance required is usually high.

11. What is difference between RIB and CIB ?

Ans-
Retail banking is a type of financial service that is available to the general public.
Consumer banking, also known as personal banking, allows customers to manage their
money by providing them with basic banking services, credit, and financial counselling.

Corporate banking aimed towards the business community. It's the business world on a
smaller scale. It offers a wide range of services, including credit, treasury, fixed asset
requirement finance, commercial services, and employer services, among others.

12. What is bulk Payment ?

Ans-
Make multiple payments like employee salaries or vendors payment in one go.
Or make payment in one debit to multiple credits.
13. What is difference between fixed deposit and recurring deposit transaction?
Ans-
Fixed Deposit Recurring Deposit
Fixed amount deposited in bank for a fixed Recurring deposit refers to cumulative deposit
period and is repayable at future date along in which a specified some is required to be
with the interest. deposited compulsory by depositor at regular
intervals.
Depositor has no liquidity on the amount Depositor is allowed to take advance against
deposited and bank is free to deploy these deposited up to 75% at the time of advance
funds on loans taken
Higher amount of interest on FD as amount Interest rate on RD is equal to interest rate on
remains with bank for life time FD
Minimum period is 7 days and maximum Minimum period is 6 months and maximum
period is 10 years period is 10 years
Auto renewal option is available(both Auto renewable option is not available
principle +interest)

14. What is lien account?

Ans-
Lien amount is a particular limit that is decided and locked by the bank authorities for a
limited time period.

15. What is IFSC code and its logic?

Ans-
-IFSC-Indian Financial System Code. Its 11 digit code
-In an IFSC code, the first 4 digits of the IFSC represent the bank and last 6 characters
represent the branch. The 5th character is zero. For State Bank of India's (SBI) 11-digit IFSC
code, the first four letters will be 'SBIN', and the last 6 digits will represent a specific branch
code.

16. What is Repo rate?

Ans-
-Repo rate refers to the rate at which commercial banks borrow money by selling their
securities to the Central bank of our country i.e Reserve Bank of India (RBI) to maintain
liquidity, in case of shortage of funds or due to some statutory measures.
- It is one of the main tools of RBI to keep inflation under control.

17. What is CBS ? Explain with 3,4 examples

Ans-
- CBS stands for Core Banking Solution, which is the networking of various bank branches
through a robust IT infrastructure. It allows the customers to operate their bank accounts and
avail themselves of the banking services with a centralized network.
Example-
Finacle:- With Finacle Core Banking Solution, your bank will gain a comprehensive set of
capabilities, including flexible product factories, extensive parameterization, product bundling
and reusable business components, to help accelerate innovation led growth.
18. What are ADCs?
Ans-
Alternate Delivery Channels Department (ADC) is a key department that supports the bank
in reaching to its potential customers, through channels and methods for providing banking
services directly to the customers outside the branch by usage of ATMs, ADC has proven its ability
to meet consumer’s expectations by ensuring accuracy, convenience, and timeliness in service 24/7 to valued
customers.

19. What is CIF?

Ans-
Customer Identification File, or CIF number in general, is an electronic, 11 digit number
that contains all the personal information of the customers of the bank.

20. What is CC ?
Ans-
A Cash Credit (CC) is a short-term source of financing for a company. It enables a
company to withdraw money from a bank account without keeping a credit balance.
The account is limited to only borrowing up to the borrowing limit.

21. What is OD ?
Ans-
OD account stands for Overdraft account. It is a type of account in which you can
withdraw amount even if there is no fund in your account.

22. What is secured Loan ?

Ans-
A secured loan is a loan given out by a financial institution wherein an asset is used as
collateral or security for the loan.
For example, you can use your house, gold, etc., to avail a loan amount that corresponds to
the asset's value.

23. What is UnSecured Loan ?

Ans-
An unsecured loan is a loan that doesn't require any type of collateral. Instead of relying on
a borrower's assets as security, lenders approve unsecured loans based on a borrower's
creditworthiness.
Examples of unsecured loans include personal loans, student loans, and credit cards.

24. What is NPA?

Ans-
It refers to those loans and advances that are in default or in arrears i.e. principal and
interest payments are late or missed. As per the RBI, an asset becomes non-performing when it
stops to generate income for the bank.
25. How will you verify the complete data flow for NEFT transaction in Net banking
Ans-
- Go to the bank website login page.
- Input username and password.
- Go to money transfer page.
- Add the beneficiary to whom you want to transfer money.
- Check the details of bank account and person.
- Select the specific money transfer method from NEFT
- Select the beneficiary name, funds and then submit the details.
- Verify the amount and other details on verification page.
- Click submit for final action of fund transfer.

26. What is authorization matrix in CIB ?

Ans-
The use of multi-layeredclassofauthority(namely‘Authorization Matrix’)workingin conjunctionwiththe
customizedtransactionlimits(namely‘AmountRange’)canhelpto securecustomers’onlinebankingwith us.
In addition, different Corporate users can be categorized into up to 5 classes of authority:
Class A, B, C, D, and Nil. Class A is configured with the greatest power of authority, and the
authority access weakens in a descending order. No authority access is assigned to Class Nil,
users under this class are only eligible to initiate online transactions and don't have the sufficient
right to authorize them alone.

27. What is trade finance ?

Ans-
Trade finance represents the financial instruments and products that are used by companies
to facilitate international trade and commerce.
Trade finance is an umbrella term meaning it covers many financial products that banks
and companies utilize to make trade transactions feasible.

28. What is letter of credit ?

Ans-
A letter of credit is a document sent from a bank or financial institute that guarantees that a
seller will receive a buyer's payment on time and for the full amount.
Letters of credit are often used within the international trade industry.

29. What is bank guarantee ?

Ans-
-A bank guarantee is when a bank offers surety and guarantees for different business
obligation on behalf of their customers within certain regulations.
-The lending institutions provide a bank guarantee which acts as a promises to cover the
loss of the customer if he/she defaults on a loan.
-Number of parties involved
-Nature: LOC is an obligation accepted by a bank
-Payment: Bank makes the payment
-Primary liability: Bank retains the primary liability.
30. How Settlement happens in bank ?
Ans-
The settlement bank will typically deposit funds into the merchant's account immediately.
In some cases, settlement may take 24 to 48 hours.
The settlement bank provides settlement confirmation to the merchant when a transaction
has cleared. This notifies the merchant that funds will be deposited in their account.

31. Positive Scenarios and Test Cases for NEFT Transaction.

Ans-
Positive Scenario- Fund Transfer Test Cases
- Verify if the user can add the beneficiary.
- Verify if the beneficiary details can be verified.
- Verify if the fund transfer option allows NEFT option for nationalized money transfers.
- Verify if the fund transfer page asks for beneficiary name, IFSC code, bank name and fund
amount and purpose of transfer.
- Verify if the fund transfer page asks for PAN number if the amount of funds gets over 50k.
- Verify that fund transfer amount should accept amount 1rs to Unlimited.
- Check if the amount transferred notification is sent to sender and receiver.

32. Negative Scenarios and Test Cases for NEFT Transaction.

Ans-
Negative Scenario- Fund Transfer with invalid credentials Test Cases
- Verify if the user can added is not in the beneficiary list.
- Verify if the beneficiary details can be are invalid & error message pops up.
- Verify if the fund transfer option allows NEFT option for nationalized money transfers.
- Verify if the fund transfer page does not accept invalid details for beneficiary name, IFSC
code, bank name and fund amount and purpose of transfer.
- Verify that fund transfer amount should not accept amount less than zero or negative input.

33. Positive Scenarios and Test Cases for RTGS Transaction.

Ans-
Positive Scenario- Fund Transfer Test Cases
- Verify if the user can add the beneficiary.
- Verify if the beneficiary details can be verified.
- Verify if the fund transfer option allows RTGS option for nationalized money transfers.
- Verify if the fund transfer page asks for beneficiary name, IFSC code, bank name and fund
amount and purpose of transfer.
- Verify if the fund transfer page asks for PAN number.
- Verify that fund transfer amount should accept amount 2 lakhs to Unlimited.
- Check if the amount transferred notification is sent to sender and receiver.
34. Negative Scenarios and Test Cases for RTGS Transaction.
Ans-
Negative Scenario- Fund Transfer with invalid credentials Test Cases
- Verify if the user can added is not in the beneficiary list.
- Verify if the beneficiary details can be are invalid & error message pops up.
- Verify if the fund transfer option allows RTGS option for nationalized money transfers.
- Verify if the fund transfer page does not accept invalid details for beneficiary name, IFSC
code, bank name and fund amount and purpose of transfer.
- Verify that fund transfer amount should not accept amount less than zero or negative input.

35. Positive Scenarios and Test Cases for IMPS Transaction.

Ans-
Positive Scenario- Fund Transfer Test Cases
- Verify if the user can add the beneficiary.
- Verify if the beneficiary details can be verified.
- Verify if the fund transfer option allows IMPS option for nationalized money transfers.
- Verify if the fund transfer page asks for beneficiary name, IFSC code, bank name and fund
amount and purpose of transfer.
- Verify if the fund transfer page asks for PAN number if the amount of funds gets over 50k.
- Verify that fund transfer amount should accept amount 1rs to 2 lakhs.
- Check if the amount transferred notification is sent to sender and receiver.

36. Negative Scenarios and Test Cases for IMPS Transaction.

Ans-
Negative Scenario- Fund Transfer with invalid credentials Test Cases
- Verify if the user can added is not in the beneficiary list.
- Verify if the beneficiary details can be are invalid & error message pops up.
- Verify if the fund transfer option allows IMPS option for nationalized money transfers.
- Verify if the fund transfer page does not accept invalid details for beneficiary name, IFSC
code, bank name and fund amount and purpose of transfer.
- Verify that fund transfer amount should not accept amount less than zero or negative input.

37. Positive Scenarios and Test Cases for UPI Transaction.

Ans-
Positive Scenario- Fund Transfer Test Cases
- Verify that after entering valid UPI id transaction should be successful.
38. Negative Scenarios and Test Cases for UPI Transaction.
Ans-
Negative Scenario- Fund Transfer Test Cases
-Verify that after enteringinvalidUPIiditshouldshowtheinvalidmessageas‘Pleaseenter validUPIid’.

39. What is 2FA ?

Ans-
2-factor authentication or 2FA, an extra layer of security is added to your account to
prevent someone from logging in, even if they have your password.
This extra security measure requires you to verify your identity using a randomized 6- digit
code we'll send you each time you attempt to log in.

40. What is the process of fund transfer through NEFT- explain in detail.
Ans-
- Go to the bank website login page.
- Input username and password.
- Go to money transfer page.
- Add the beneficiary to whom you want to transfer money.
- Check the details of bank account and person.
- Select the specific money transfer method from NEFT
- Select the beneficiary name, funds and then submit the details.
- Verify the amount and other details on verification page.
- Click submit for final action of fund transfer.

41. What is Tax Payment ?

Ans-
A tax that a person or organization pays directly to the entity that imposed it. An
individual taxpayer, for example, pays direct taxes to the government for various purposes,
including income tax, real property tax, personal property tax, or taxes on assets.

42. What are different taxes in CIB ?

Ans-
- Goods and Services Tax (GST)
- Central Board of Direct Taxes (CBDT)
- Excise Duty and Service Tax
- State Tax

43. What is scheduled transaction ?

Ans-
Scheduled transactions are basically transaction templates that can either be executed when
you click on them or be executed automatically on a given date and time.
These allow you to stop worrying about recurring transactions such as your income, bills,
rent or even transfers to saving accounts.
44. What is recurring transaction ?
Ans-
A recurring transaction is a kind of transaction when the cardholder is charged a certain
sum of money either for a current subscription, membership, or the recurring delivery of items.
The recurring is usually arranged when the customer subscribes to the particular product
which the user wants to obtain in predetermined intervals (mostly monthly).

45. What is recall of transaction ?

Ans-
Recall Transaction means the Company's acquisition of Recall Holdings Limited by away
of a recommended court approved Scheme of Arrangement.

46. What is Mobile Banking and how does it works ?

Ans-
Mobile banking is the act of making financial transactions on a mobile device (cell phone,
tablet, etc).
Many banks have apps which you can download onto your smartphone or tablet, allowing
you to access your bank account with just few clicks.
Under Mobile Banking, choose the option 'Registration', enter your mobile number and
choose„Yes‟.WhenthenumberisdisplayedagainovertheATMscreen,choose
„confirm‟andcollectthetransactionslipconfirmingtheregistration.You will receive a SMS regarding
activation of your account.

47. What are different UPI transactions ?

Ans- P2P , P2M

48. How P2P transactions happen in backend ?

Ans-
- First, the user downloads the application and creates an account and links it to a credit card,
debit card, or bank account.
- Then the user can create contacts and send payments using another user's email address,
phone number, or account handle and done between MMID & phone number.
- During a transaction, money is taken out of the user's account within the application and
transferred to the receiving user's account. If there is not enough money in the account to
complete the transaction, money is taken directly from the user's bank account to finish the
transaction.

49. How P2M transaction happen in backend ?

Ans-
- Select Banking Services
- Select the Account through which the transaction needs to be executed
- Enter details: Merchant Mobile Number, Merchant MMID, Amount, Payment Reference
- Confirm and then Enter M-PIN for execution of the transaction
- Transaction status will be displayed on the screen
- TransactionstatuswillalsobesentasanSMSalertonthecustomer’smobilenumber
50. What is difference between Role and Rule in CIB ?
Ans-
- A role is an assumed or spoken agreement between two or more people about who is
responsible to fill a set of specific needs among them.
For example, family adults are responsible for providing food, shelter, safety, guidance, and
nurturance; and kids are responsible for learning how to leave home, and cooperating with their
adults as they do.

- Rules are sets of shoulds, have-to's and musts that describe how people are "supposed to"
behave (perform their roles). All human groups and personality subselves develop roles and
rules automatically to fill primal needs for order and security.