TVS Credit's annual fintech campus challenge: a fast programming-and-financial-literacy assessment leads into a real NBFC case, then finalists get one week to build and defend a coded prototype.
Brabble editorial · Updated 15 Aug 2026 · Official page
Particulars
Organiser
TVS Credit
Mode
Online assessment and case; prototype finale presentation
Prize / outcome
₹2.5 lakh in the IT track plus conditional PPI opportunities
Team size
Individual or 2 students from the same college
Application fee
Free
Rounds
4
What it is
E.P.I.C. stands for Enrich, Perform, Innovate, Challenge. TVS Credit runs separate IT, Analytics, Finance, and Strategy tracks; this guide covers the IT Challenge, where students move from a timed assessment to a business case and finally a working prototype. It is best understood as a fintech product challenge rather than a pure competitive-programming contest: coding gets a team through the first filter, while lending-domain understanding, product judgement, feasibility, and presentation decide the later rounds.
Rounds
01. Treasure Hunt (optional fast track)
Teams answer 20 questions about TVS Credit and its products using hints released through the company's Instagram and YouTube stories. The top 15 teams skip the assessment and advance directly to the case-study round; everyone else can still qualify normally.
02. Programming and finance assessment
The team leader has 90 uninterrupted minutes: 10 programming-fundamentals MCQs and 10 financial-literacy MCQs in the first 15 minutes, then 2 coding problems in 75 minutes. Teams are ranked by score and then completion time.
03. Case Study Challenge
Shortlisted teams receive a live business problem and submit a proposed solution as a framework or proof-of-concept deck. The submission may include a prototype, screens, or wireframes where useful; it must make the problem, affected user, solution logic, and value to TVS Credit explicit.
04. Grand finale prototype and jury presentation
Finalists get one week to code a prototype based on the case-round proposal, then present it to the jury. The build should prove the central workflow and be defensible on feasibility, security, financial impact, adoption, and rollout.
How to prepare
Step 01
Win or safely ignore the Treasure Hunt
The fast track is valuable but only 15 teams receive it. Prepare without allowing a social-media scavenger hunt to consume the time needed for the scored route.
Map TVS Credit's product portfolio, customer segments, distribution channels, public initiatives, and recent company facts from its official site before hints begin.
Split monitoring and verification between teammates, keep one shared answer sheet with source links, and submit only after checking spelling, numbers, and product names.
Continue assessment practice regardless of Treasure Hunt confidence; treat direct qualification as upside, not the plan.
Step 02
Train for a very compressed assessment
Twenty MCQs in 15 minutes means recognition and triage; the 75-minute coding block then rewards clean implementation and testing.
Revise language semantics, OOP, complexity, data structures, DBMS/SQL basics, operating-system and network fundamentals, plus common output-tracing traps.
Practise arrays, strings, hashing, sorting, binary search, prefix sums, two pointers, stacks/queues, greedy patterns, graph traversal, and basic dynamic programming under a 75-minute two-problem timer.
Cover financial-literacy basics: simple and compound interest, EMI intuition, time value of money, inflation, credit scores, secured vs unsecured lending, KYC, delinquency/NPA, and basic fraud/risk concepts.
As team leader, use at least one platform demo, test the chosen language, power, browser, network, and proctoring setup, and practise without relying on your teammate during the timed attempt.
Step 03
Think like a responsible lending product team
A strong case answer connects customer value to business value while respecting regulation, consent, explainability, security, and operational reality.
Frame the case as a measurable funnel or workflow: acquisition → eligibility → application → underwriting → disbursal → servicing → repayment/collections.
Identify the primary user and failure point, quantify a baseline with declared assumptions, and compare at least two solution options before choosing one.
Include data sources, consent, access control, auditability, bias/fairness, fraud threats, low-connectivity behaviour, and a manual fallback where the product affects credit decisions.
Build a simple business case: expected adoption, conversion or cost reduction, false-positive/false-negative cost, implementation effort, and a phased pilot with guardrails.
Step 04
Use the one-week finale ruthlessly
The finale is too short for a broad platform. Preserve the case-round promise and build the smallest product that proves its hardest claim.
Day 1: lock the user journey, architecture, interfaces, success metrics, sample data, and explicit non-goals. Days 2-4: ship the vertical slice. Day 5: integrate and test. Day 6: evidence and polish. Day 7: rehearse and freeze.
Use synthetic or properly anonymised data. Never put real customer, credential, or financial data in a public repository or demo.
Add role-based access where appropriate, validation and error states, an audit trail for consequential actions, and transparent explanations for any model output.
Prepare a live demo, a 90-second recorded fallback, a readable README, architecture/data-flow diagram, test credentials, and a Q&A sheet covering security, scale, unit economics, and rollout.
Representative practice - not leaked questions
Questions to practise
01
A lender quotes a flat annual rate while repayments happen monthly. How would you explain the difference between flat-rate interest and reducing-balance EMI to a customer?
What to show: Test financial literacy, accurate calculation, and the ability to communicate without misleading the borrower.
02
Given transactions with customer IDs and timestamps, find the shortest window containing at least k events from the same customer.
What to show: Practise sorting/grouping and sliding-window reasoning, including duplicate times and large inputs.
03
Design an offline-first assisted loan application for customers with intermittent connectivity and limited document literacy.
What to show: Cover user research, resumable state, validation, consent, local-language UX, agent roles, sync conflicts, fraud, and measurable completion improvement.
04
Build an early-warning system for missed EMI risk. What data may it use, what action follows a score, and how do you prevent unfair treatment?
What to show: Separate prediction from intervention; define consent, explainability, bias testing, thresholds, human review, and customer-safe outreach.
05
A collection agent app increases recovery but encourages aggressive contact. How would you redesign its incentives and controls?
What to show: Discuss customer dignity, contact policy, audit logs, complaint paths, outcome metrics, and regulatory/brand risk.
06
Your model demo is accurate on a sample dataset but the jury asks how it performs after launch.
What to show: Explain baselines, offline and online evaluation, drift, monitoring, retraining, rollback, cost, and ownership.
Who can enter
Full-time B.Tech/B.E. students in 2nd, 3rd, or 4th year; M.E./M.Tech students; and MBA (IT) students for Season 8
Individual participation or teams of 2; both members must attend the same college
Cross-college teams and changing members after registration are not allowed
A participant may join only one team, and the team leader owns the timed assessment and official submissions
Free to enter; eligibility and year cutoffs should be rechecked each season
What you actually get
For the Season 8 IT track, the winner receives ₹1,00,000, the first runner-up ₹75,000, the second runner-up ₹50,000, and the Special Jury Award ₹25,000. Select top performers may receive a pre-placement interview for TVS Credit's Summer Internship or Management Trainee programme, subject to the company's criteria and role availability; participation does not guarantee an interview.
Frequently asked questions
What is asked in the TVS Credit E.P.I.C. IT assessment?+−
Season 8 gives the team leader 90 minutes: 10 programming-fundamentals MCQs and 10 financial-literacy MCQs in 15 minutes, followed by 2 coding problems in 75 minutes. Ranking uses score first and completion time as the tie-breaker.
Does the TVS Credit Treasure Hunt eliminate teams?+−
No. It is a fast-track opportunity: the top 15 teams go directly to the case-study round and skip the assessment. Teams that do not win the Treasure Hunt can still progress through the normal assessment.
Which financial-literacy topics should a developer study?+−
Cover interest and EMI intuition, time value of money, inflation, credit scores and bureaus, secured versus unsecured credit, KYC, delinquency/NPA, lending funnels, risk and fraud basics, and consumer-safe communication. The organiser does not publish a narrower question bank.
What coding difficulty should I expect?+−
The organiser specifies programming fundamentals plus two coding problems but not a difficulty label. Prepare to solve standard interview-style array, string, hashing, search, greedy, graph, or basic DP problems under time pressure. Old recalled questions are useful mocks, not predictions.
What should the case-study deck include?+−
A sharp problem statement, target user and evidence, root-cause analysis, options considered, proposed workflow, proof-of-concept or wireframes, data and architecture, expected business/customer impact, risks and controls, rollout plan, and success metrics. Declare assumptions instead of presenting invented numbers as facts.
Is coding required in the TVS Credit finale?+−
Yes. Season 8 finalists get one week to build a coded prototype based on their case-round solution and present it to the jury. A slide-only concept is not enough for the IT track.
Can I participate alone?+−
Yes. Season 8 permits individual entries or teams of two. A two-person team must be from the same college, and members cannot be changed after registration.
Does qualifying guarantee a TVS Credit PPI?+−
No. The organiser says select top performers may receive PPI opportunities for the Summer Internship or Management Trainee programme, subject to criteria and availability.
Season 8 format, eligibility, rewards, and timings checked against TVS Credit's official E.P.I.C. page and the 2026 IT Challenge brief, 15 Aug 2026. The older GeeksforGeeks programme overview was used only to compare recurring themes; where editions conflict, this guide follows the current organiser brief. Practice prompts are original representative exercises, not leaked or guaranteed questions.