PhonePe Placement Papers 2025 - Latest OA Questions & Solutions

Company Overview

This page contains PhonePe placement papers from 2025 with current year online assessment questions, solutions, and exam patterns.

2025 Updates

The 2025 PhonePe OA maintains focus on DSA and system design with enhanced emphasis on optimal solutions.

PhonePe Online Assessment 2025 Pattern

Section	Questions	Time	Difficulty	Focus Areas
Coding Problems	2-3	90 min	Medium-Hard	Arrays, trees, graphs, DP

Total: 2-3 problems, 90 minutes
Platform: HackerRank or similar
Languages Allowed: Java, Python, C++, Go
Success Rate: ~15-20% cleared OA and advanced to interviews

PhonePe Placement Papers 2025 - Actual Questions & Solutions

DSA Coding Problems (2025)

Question 1: Merge Intervals

Q1: Given an array of intervals, merge all overlapping intervals.

Solution (Java):

public int[][] merge(int[][] intervals) {
    if (intervals.length <= 1) return intervals;

    Arrays.sort(intervals, (a, b) -> Integer.compare(a[0], b[0]));
    List<int[]> merged = new ArrayList<>();
    merged.add(intervals[0]);

    for (int i = 1; i < intervals.length; i++) {
        int[] current = intervals[i];
        int[] last = merged.get(merged.size() - 1);

        if (current[0] <= last[1]) {
            last[1] = Math.max(last[1], current[1]);
        } else {
            merged.add(current);
        }
    }

    return merged.toArray(new int[merged.size()][]);
}

Time Complexity: O(n log n)
Space Complexity: O(n)

Key Insights from 2025 PhonePe Online Assessment

1. Coding Section is Critical: Must solve 2-3 coding problems correctly to advance
2. DSA Focus: Strong emphasis on arrays, strings, trees, graphs, and dynamic programming
3. Time Management: 2-3 problems in 90 minutes requires excellent speed and accuracy
4. Payment System Focus: Problems often relate to payment systems, UPI, transactions, security, AI-powered features
5. System Design: Asked for SDE-1/2 roles, payment system design for fintech roles
6. Success Rate: Only 15-20% cleared OA and advanced to interviews
7. Platform: HackerRank or PhonePe’s internal platform
8. Focus Areas: Arrays, trees, graphs, dynamic programming, payment systems, UPI, AI/ML
9. Enhanced Emphasis: Optimal solutions, AI-powered UPI features, and cloud-native payment systems

PhonePe 2025 Interview Experiences

Based on recent candidate experiences from 2025 PhonePe interviews:

2025 Interview Process:

1. Online Assessment (90 minutes): 2-3 coding problems
2. Technical Phone Screen (45-60 minutes): Coding problems, algorithm discussions, UPI/payment concepts, AI/ML
3. Onsite/Virtual Interviews (4-5 rounds, 45-60 minutes each):
   • Coding rounds (2-3): Algorithms, data structures, problem-solving
   • System Design rounds: AI-powered UPI systems, payment processing, transaction systems, security, cloud-native architecture
   • Behavioral rounds: Problem-solving approach, security mindset, impact, AI/ML passion

2025 Interview Trends:

• Increased emphasis on AI-powered UPI features and cloud-native payment systems
• More focus on optimal solutions and security best practices
• Enhanced behavioral questions about security mindset and innovation
• Questions about AI/ML applications in UPI and payment processing

Common 2025 Interview Topics:

• Coding: Arrays, strings, trees, graphs, dynamic programming, payment algorithms
• System Design: AI-powered UPI systems, payment processing, transaction systems, security, cloud-native fintech architecture
• Behavioral: Problem-solving, security mindset, teamwork, impact, AI/ML passion
• PhonePe Technologies: UPI, AI-powered features, payment systems, transaction processing, cloud-native platforms

Success Tips:

• Strong coding performance is essential - solve problems optimally
• Understand UPI, AI-powered payment features, and cloud-native payment systems
• Practice system design for AI-powered UPI systems and payment processing
• Prepare examples demonstrating problem-solving and security mindset
• Learn PhonePe’s products, AI features, and UPI technologies
• Practice explaining your thought process clearly

For detailed interview experiences from 2025, visit PhonePe Interview Experience page.

Preparation Tips for PhonePe 2025 Pattern

1. Master Coding Fundamentals: Focus on solving 2-3 coding problems correctly - arrays, trees, graphs, DP
2. UPI/Payment Expertise: Strong understanding of UPI, AI-powered payment processing, cloud-native payment systems
3. Practice Previous Year Papers: Solve PhonePe OA papers from 2020-2025 to understand evolving patterns
4. Time Management: Practice completing 2-3 coding problems in 90 minutes
5. LeetCode Practice: Solve 200+ LeetCode problems focusing on arrays, strings, trees, graphs (medium-hard difficulty)
6. Fintech Focus: Practice problems related to payment systems, UPI, transactions, AI/ML in fintech
7. System Design Mastery: Learn AI-powered UPI system design, payment processing, transaction systems, security, cloud-native architecture
8. Security Knowledge: Understand security best practices for payment systems, UPI, and AI-powered fraud detection
9. Behavioral Preparation: Prepare examples using STAR format - problem-solving, security mindset, AI/ML passion
10. Mock Tests: Take timed practice tests to improve speed and accuracy
11. AI/ML in Fintech: Understand AI/ML applications in UPI and payment processing

Related Resources

PhonePe 2024 Papers

Previous year PhonePe placement papers with questions and solutions

View 2024 Papers →

PhonePe Coding Questions

Complete collection of PhonePe coding problems with solutions

View Coding Questions →

PhonePe Interview Experience

Real interview experiences from successful candidates

Read Experiences →

PhonePe Preparation Guide

Comprehensive preparation strategy for PhonePe placement

View Preparation Guide →

PhonePe Main Page

Complete PhonePe placement guide with eligibility, process, and salary

View Main Page →

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Practice 2025 papers to stay updated with latest patterns and prepare effectively!