IndusInd Bank Aptitude Questions 2026 - Test Practice Set with Answers and Strategy

IndusInd Bank's aptitude assessment selects for numeracy, reasoning speed, and banking awareness. The practice set here reflects the topic mix and difficulty reported by candidates who have taken IndusInd Bank tests in recent recruitment cycles.

Test Pattern Reference

Based on candidate-reported data from recent IndusInd Bank hiring cycles:

Total: approximately 60 to 80 questions in 60 to 90 minutes. Verify in your call letter.

Section 1: Quantitative Aptitude (20 Questions)

Q1. IndusInd Bank offers a vehicle loan at 11.5% per annum simple interest. A customer borrows Rs 4 lakh for a 3-year term. What is the total interest? Solution: SI = 4,00,000 x 11.5 x 3 / 100 = Rs 1,38,000. Answer: Rs 1,38,000

Q2. A two-wheeler costing Rs 1,20,000 is financed with 80% LTV (loan-to-value). What is the loan amount? Solution: Loan = 80% of 1,20,000 = Rs 96,000. Answer: Rs 96,000

Q3. A customer's EMI is Rs 15,000 per month for a home loan. Annual repayment as a percentage of a Rs 20 lakh loan (first year) is? Solution: Annual repayment = 15,000 x 12 = Rs 1,80,000. Percentage = 1,80,000 / 20,00,000 x 100 = 9%. Answer: 9%

Q4. A bank branch's monthly loan disbursement grew from Rs 80 lakh to Rs 1 crore. What is the percentage growth? Solution: Growth = 20/80 x 100 = 25%. Answer: 25%

Q5. If a credit card has a 24% per annum interest rate, what is the monthly rate? Solution: Monthly rate = 24/12 = 2%. Answer: 2% per month

Q6. Rs 60,000 is invested at 9% compound interest per annum for 2 years. What is the maturity amount? Solution: A = 60,000 x (1.09)^2 = 60,000 x 1.1881 = Rs 71,286. Answer: Rs 71,286

Q7. A microfinance borrower takes Rs 25,000 at 26% flat rate for 12 months. What is the total repayment? Solution: Interest = 25,000 x 26 x 1 / 100 = Rs 6,500. Total = Rs 31,500. EMI = 31,500/12 = Rs 2,625. Answer: Total repayment Rs 31,500, EMI Rs 2,625

Q8. In a year, a Relationship Officer achieved 130% of target in Q1, 95% in Q2, 110% in Q3, and 105% in Q4. What is the average quarterly achievement? Solution: Average = (130+95+110+105)/4 = 440/4 = 110%. Answer: 110%

Q9. A bank processes 240 loan applications per month. If the approval rate is 65%, how many loans are approved per month? Solution: 240 x 0.65 = 156. Answer: 156 loans

Q10. If the ratio of secured to unsecured loans in a portfolio is 7:3 and total portfolio is Rs 5 crore, what is the unsecured loan value? Solution: Unsecured = 3/10 x 5 crore = Rs 1.5 crore. Answer: Rs 1.5 crore

Data Interpretation (Q11 to Q15):

Q11. Which product had the highest revenue across Q1 to Q3 combined? Solution: Vehicle = 145. Personal = 93. Credit Cards = 66. Home Loans = 173. Answer: Home Loans at Rs 173 lakh

Q12. What was the total revenue in Q2? Solution: 52+28+24+60 = Rs 164 lakh. Answer: Rs 164 lakh

Q13. Personal loan Q3 revenue was what percentage more than Q2? Solution: (35-28)/28 x 100 = 7/28 x 100 = 25%. Answer: 25%

Q14. If vehicle loan revenue grows 10% in Q4 over Q3, what is the Q4 projection? Solution: 48 x 1.10 = Rs 52.8 lakh. Answer: Rs 52.8 lakh

Q15. What is credit card revenue as a percentage of total Q1 revenue? Solution: Total Q1 = 45+30+20+55 = 150. Credit cards = 20. Percentage = 20/150 x 100 = 13.3%. Answer: 13.3%

Section 2: Logical Reasoning (15 Questions)

Q1. Series: 4, 9, 25, 49, 121, ? Solution: These are squares of primes: 2^2=4, 3^2=9, 5^2=25, 7^2=49, 11^2=121, next prime=13, 13^2=169. Answer: 169

Q2. BANK codes as YZMP in a certain code. How does LOAN code? Solution: B=Y(B+23=Y in reverse), A=Z(A+25=Z), N=M(N-1=M), K=P(K+5=P). Let us check shift: B(2) to Y(25): difference -3 or +22. A(1) to Z(26): +25. The shifts are not uniform, suggesting letter substitution. Given pattern BANK->YZMP: B->Y, A->Z, N->M, K->P. Mapping L, O, A, N: L->O (L=12, O=15, +3), O->L (O=15, L=12, -3), A->Z, N->M. Answer: OLZM

Q3. Six people sit in two rows of three each, facing each other. A faces D. B is to A's right. E is not in B's row. F faces C. Who faces B? Standard arrangement problem. With A facing D, B to A's right means B-A-? in Row 1. D faces A, so D is in Row 2 at A's position. E not in B's row means E is in Row 2. F faces C. Placing: Row 1: ?, B, A. Row 2: ?, E, D. F faces C needs two in corresponding positions. Remaining people: F and C. If F is in Row 1 position 1, C is in Row 2 position 1. Then B faces E. Answer: E faces B

Q4. All loans are liabilities. All mortgages are loans. Some mortgages are NPA. What can be concluded? a) Some NPAs are liabilities b) All NPAs are liabilities c) No NPA is a liability d) All liabilities are mortgages Solution: All mortgages are loans, all loans are liabilities, so all mortgages are liabilities. Some mortgages are NPA, so those NPAs are also liabilities. Conclusion (a) follows. Answer: (a)

Arrangement (Q5 to Q8): Five bank employees A, B, C, D, E are ranked by performance 1 (highest) to 5 (lowest). A is ranked higher than C but lower than B. D is ranked below E. E's rank is 3.

Q5. What is B's minimum possible rank? Answer: 1 or 2 (B > A > C, E=3, D below E means D is 4 or 5) Q6. What is C's maximum possible rank? With B > A > C and B must be above E=3, B is rank 1 or 2. If B=1, A=2, C could be 3. But E=3, so C=4 or 5. If B=2, A must be between B and C, A=3 would conflict with E=3. A must be rank 1 since B=2. C would be 4 or 5. Answer: C's maximum rank is 4 Q7. If D is ranked 5th, what is A's rank? E=3, D=5. B>A>C, and B>3 means B is 1 or 2. Remaining ranks for A and C from {1,2,4}. B takes one of 1 or 2. If B=1, A and C from {2,4}. A>C, so A=2, C=4. Answer: A's rank is 2 Q8. How many valid complete rankings exist? From analysis: E=3, D=4 or 5. B>A>C and B must be in top 2 (B>E=3). If D=4: remaining 1,2,5 for B,A,C. B=1,A=2,C=5 valid. B=1,A=5 invalid (A>C impossible if A=5). Actually B=1,A=2,C=5 is the only arrangement with D=4. If D=5: remaining 1,2,4 for B,A,C. B=1,A=2,C=4 or B=1,A=4,C=2 (but A>C so C must be less than 4, C=2 and A=4 means A(4)>C(2) valid). B=2,A=4,C<4 from {1}: B(2)>A(4) invalid. Answer: 3 valid rankings

Section 3: Verbal Ability (10 Questions)

Comprehension: IndusInd Bank has established itself as a significant player in India's vehicle finance segment, particularly for two-wheelers and commercial vehicles. The bank's approach combines field-level relationship management with technology-driven credit assessment. Loan officers visit dealerships, conduct credit checks using bureau data, and process applications through mobile platforms. This model allows for quick turnaround times that are competitive with NBFC lenders who have traditionally dominated the vehicle finance space. The bank's acquisition of Bharat Financial Inclusion has also added a microfinance portfolio, expanding its reach to rural and semi-urban markets where income patterns differ significantly from urban borrowers.

Q1. What business segment is IndusInd Bank especially prominent in? Answer: Vehicle finance, particularly two-wheelers and commercial vehicles.

Q2. What was the purpose of the Bharat Financial Inclusion acquisition? Answer: To expand into microfinance and reach rural and semi-urban markets.

Q3. The passage describes IndusInd Bank's loan officers as doing which activities? Answer: Visiting dealerships, conducting credit checks using bureau data, and processing applications through mobile platforms.

Q4. What does "NBFCs" refer to in the passage context? Answer: Non-Banking Financial Companies - financial institutions that provide banking-like services including loans but do not hold a banking licence and cannot accept demand deposits.

Error detection (Q5 to Q7): Q5. Neither (a) the branch manager nor (b) the loan officers was (c) aware of (d) the new disbursement policy. Error: (c) - "was" should be "were" (the nearer subject "loan officers" is plural)

Q6. The vehicle loan application has been (a) processed and approved, but the disbursement (b) are (c) pending (d) documentation. Error: (b) - "are" should be "is" (subject is "disbursement" - singular)

Q7. If a customer applies (a) for loan today, (b) the approval process (c) shall takes (d) two to three working days. Error: (d) - "shall takes" should be "will take"

Section 4: Banking and Financial Awareness (10 Questions)

Q1. What is IndusInd Bank's unique differentiator in retail lending compared to standard banks? Answer: Vehicle finance (two-wheeler, car, and commercial vehicle loans) and microfinance (through Bharat Financial Inclusion subsidiary) are IndusInd Bank's distinctive retail lending segments.

Q2. What is LTV ratio in vehicle loans? Answer: Loan-to-Value ratio is the proportion of the vehicle's value financed by the loan. A 75% LTV means the bank finances 75% of the vehicle cost and the customer pays 25% as down payment. RBI regulates maximum LTV for different vehicle categories.

Q3. What is a Joint Liability Group (JLG) in microfinance? Answer: A JLG is a group of 4 to 10 individuals (typically women in rural areas) who take individual microfinance loans but are collectively responsible for repayment. Social collateral replaces physical collateral. IndusInd Bank's Bharat Financial Inclusion operates through the JLG model.

Q4. What is the NBFC registration requirement in India? Answer: NBFCs must register with the Reserve Bank of India to commence or carry on financial activities. Different categories of NBFCs (Investment Company, Loan Company, etc.) have different minimum net owned fund (NOF) requirements.

Q5. What is the Marginal Cost of Funds-based Lending Rate (MCLR)? Answer: MCLR is the minimum interest rate at which a bank can lend (except certain specified categories). It is calculated based on the marginal cost of funds, operating costs, and CRR maintenance cost. Loan interest rates are set at MCLR plus a spread.

Q6. What is an External Benchmark-linked Lending Rate (EBLR)? Answer: From October 2019, RBI mandated that new floating rate loans to retail and MSME segments be linked to an external benchmark (repo rate, T-bill rate, or market benchmark). This replaced MCLR as the benchmark for new floating rate retail loans, making rate transmission faster.

Q7. What does CERSAI stand for and what does it do? Answer: Central Registry of Securitisation Asset Reconstruction and Security Interest of India. CERSAI maintains a registry of mortgage and other security interests created on assets, helping lenders check existing charges on collateral before loan disbursement.

Q8. What is a vehicle hypothecation in the context of auto loans? Answer: Hypothecation is a charge created on a vehicle under a vehicle loan, where the vehicle is the collateral but possession remains with the borrower. The hypothecation is noted in the RC book (registration certificate). On full loan repayment, hypothecation is terminated (NOC issued by the bank) and the RC book is updated.

Q9. Current RBI repo rate: candidates should verify the current rate directly from rbi.org.in before the exam as it is subject to change with each MPC meeting.

Q10. What is the role of SEBI in India's financial system? Answer: SEBI (Securities and Exchange Board of India) is the regulator for India's securities market. It regulates stock exchanges, brokers, mutual funds, and listed companies. Banks fall under RBI regulation, but their investment and securities activities are subject to SEBI guidelines where applicable.

Exam Strategy for IndusInd Bank Test

Vehicle finance awareness: IndusInd Bank interviewers and test setters know their business. Reading 2 to 3 articles on India's two-wheeler loan market, commercial vehicle loan cycles, and microfinance regulation gives you a differentiated edge in both the test and the subsequent interview.

Speed over perfection: 60 to 80 questions in 60 to 90 minutes is tight. Do not spend more than 90 seconds on any single quantitative question. Mark and return.

Banking awareness is high-yield: This section rewards specific preparation. Five targeted study sessions on banking products, RBI tools, and IndusInd Bank's business model can raise your score here significantly.

For more banking aptitude practice, see the ICICI Bank aptitude questions 2026 guide for additional solved sets applicable across private bank recruitment tests.

Frequently Asked Questions

What sections are in the IndusInd Bank aptitude test? Quantitative aptitude, logical reasoning, verbal ability, and banking awareness, based on candidate reports.

How difficult is the test? Moderate. Speed and accuracy matter more than problem complexity.

What banking topics are tested? Vehicle loans, microfinance concepts, RBI policy, payment systems, and IndusInd Bank business specifics.

Does IndusInd Bank test have negative marking? Varies by program based on candidate reports. Verify in official notification or test instructions.

How long is the test? Approximately 60 to 90 minutes for 60 to 80 questions based on candidate reports.

Where are official details? In the recruitment notification on careers.indusind.com when a notification is active.