Fidelity Investments - interview guide

Fidelity Investments interview questions - a complete guide

Fidelity Investments India publishes its hiring process in stages on its site. Here are those stages and the questions for each round.

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About Fidelity Investments

Fidelity Investments is a large American investment company - retirement savings, mutual funds and brokerage. Its India technology and operations centres are in Bengaluru, Chennai and Gurugram. (Fidelity International is a separate company.)

This guide covers 12 Fidelity interview questions with answers - what each question checks and how to answer it - plus the Fidelity interview process, round by round, a 7-day preparation plan for freshers, tips and the mistakes to avoid.

Fidelity Investments hiring process

  1. Application and CV review

    According to Fidelity's India hiring page, a CV review follows the application.

  2. Screening

    Screening once shortlisted - a call or a test depending on the role. Reports also mention an aptitude test.

  3. Interviews

    Technical and behavioural interviews - reports mention APIs, complexity and coding.

  4. Selection, offer and your decision

    According to the official page, the final stages are selection/offer and the candidate's decision.

The stages (application, CV review, screening, interviews, selection/offer, candidate decision) are from Fidelity Investments India's official site. The questions within the rounds are based on candidate reports and can change by role.

Sources (checked 16 October 2026): Understanding Fidelity Investments India's hiring process (jobs.fidelity.com). Hiring processes change - read the official notice before you apply.

Fidelity Investments interview questions and answers

Technical

  1. 1.Why are new APIs built with REST more often than SOAP these days?

    What they're checking
    REST/SOAP has been asked in reports.
    How to answer
    REST is lighter - HTTP and JSON, easy for browsers and mobile, cacheable. SOAP is XML-based with a strict contract - still found in older enterprise/banking systems.

  2. 2.What is the time complexity of two nested loops (i from 0 to n, j from i to n)?

    What they're checking
    Big-O has come up in reports.
    How to answer
    The inner loop runs n, n-1, ... 1 times - n(n+1)/2 in total, i.e. O(n^2). Constants and smaller terms are dropped in Big-O.

  3. 3.Where do all the anagrams of one string start inside another string?

    What they're checking
    Sliding window + counting.
    How to answer
    Count the pattern's characters; slide a window of the pattern's length over the text and update the counts. When the counts match, note the index. O(n).

  4. 4.Why was Optional added to Java?

    What they're checking
    Avoiding nulls.
    How to answer
    So a method clearly says the value may or may not be there - fewer NullPointerExceptions. Cleaner code with methods like orElse and map. Use it as a return type, not in fields.

  5. 5.SQL: each fund's daily return (today's NAV vs yesterday's).

    What they're checking
    The LAG window function.
    How to answer
    (nav - LAG(nav) OVER (PARTITION BY fund_id ORDER BY nav_date)) / LAG(...) x 100. The first day's return will be null.

  6. 6.What does an API gateway do in microservices?

    What they're checking
    Architecture.
    How to answer
    A single entry point for all requests - routing, login checks, rate limiting, logging. The client doesn't need to know the internal services.

Finance and aptitude

  1. 7.How is a fund's NAV calculated each day?

    What they're checking
    Fidelity's business.
    How to answer
    (Market value of all the fund's holdings + cash - expenses/liabilities) / total units. Every day after the market closes.

  2. 8.An SIP of 5,000 rupees every month - write a function for the value at the year's end.

    What they're checking
    Finance + coding.
    How to answer
    Each month, grow the previous value by that month's return and add 5,000 - a loop of 12. There is a formula too, but the loop is clear and easy to test.

  3. 9.A fund first rose 10%, then fell 10% - what happened overall?

    What they're checking
    An aptitude trap.
    How to answer
    100 -> 110 -> 99. So a 1% loss, not zero - the 10% fall applied to a bigger amount.

HR and behavioural

  1. 10.What do you know about Fidelity?

    What they're checking
    A common HR question in reports.
    How to answer
    What Fidelity Investments does (retirement, funds, brokerage), the role of the India centres, and one thing you liked. Know the difference from Fidelity International too.

  2. 11.When did you earn someone's trust or show honesty when it was hard?

    What they're checking
    Trust matters most at an investment company.
    How to answer
    The situation, what you did, and the result - specific.

  3. 12.What new feature would you build in a retirement planning app?

    What they're checking
    Product thinking.
    How to answer
    A user problem (such as 'I don't know how much to save'), your feature (a simple goal calculator), and how you would measure that it worked.

7-day preparation plan for the Fidelity Investments interview

  1. Day 1: Read Fidelity's official hiring and tips pages.
  2. Day 2: DSA - strings, sliding windows, complexity.
  3. Day 3: Java and APIs (REST, gateways).
  4. Day 4: SQL - window functions.
  5. Day 5: Finance basics - NAV, SIPs, funds.
  6. Day 6: Aptitude practice.
  7. Day 7: A mock interview + HR ('about Fidelity').

Preparation tips

  • Read Fidelity's official hiring page and interview tips page.
  • Understand the difference between Fidelity Investments and Fidelity International.
  • The basics of APIs, Big-O and strings.
  • Understand words such as mutual fund, NAV and SIP.

Mistakes to avoid

  • Mistaking Fidelity Investments for Fidelity International.
  • Giving a complexity answer with the constant (n^2/2).
  • Knowing nothing about the company.

Frequently asked questions

What is Fidelity Investments India's hiring process?

According to the official page: application, CV review, screening, interviews, selection/offer and the candidate's decision.

What is the difference between Fidelity Investments and Fidelity International?

They are separate companies - Fidelity Investments is based in America, Fidelity International is a separate group.

Where is Fidelity in India?

Fidelity Investments' centres are reported in Bengaluru, Chennai and Gurugram.

What comes up in Fidelity's technical round?

According to reports, APIs (REST/SOAP), Big-O and string problems.

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