Hello everyone. This blog has been one of the most important aspects of my success.

Thank you so much Shreerang Sir!!

Whenever I had a doubt about how to proceed further, I used to visit this blog and check
what selected candidates did and proceeded accordingly. So I felt I have to contribute. I
have prepared for RBI Grade B for almost three years. My journey wasn’t a structured one.
There might be a few sources which I followed in my first two attempts but not in the third
one and vice versa. Also, I might have missed quite a few things which I did as a part of this
journey. Hence, this document might not work as any sort of guide for your preparation but
there might be some information which might help you. So I request you to take everything
with a grain of salt. Also, I am available at @Teja110 (Telegram ID) for any kind of queries. I
know what sort of emotions aspirants go through while preparing for such exams. I will not
be able to make any decisions for you but if there is something that even I experienced, then
I will definitely share how I tackled it or how I avoided it. There might be a delay sometimes
but I will respond.
About me: I am Sai Teja and I am from Hyderabad. I graduated in 2017 from BITS Pilani. I
worked for 2 years till July 2019. I worked as a commodity trader and then as a Financial
Analyst. I resigned from my job to prepare for UPSC. Unfortunately, I couldn’t prepare for it
and that ended even before it started. SSC CGL was my backup option and I was already
preparing for Tier 2 of SSC-CGL at that point. I gave the exam in September 2019 and I
didn’t do well. In a few days, RBI Grade B 2019 notification was released. I did have a fair
idea about this job but wasn’t aware of the exam requirements. I also realised SSC CGL
takes a couple of years for the whole process and I wanted to get into a job as soon as
possible. So I started exploring the options in the banking sector where the recruitment
process takes much lesser time. I gave multiple exams but I prepared seriously only for RBI
Assistant (Got selected in PY 2019, joined in Apr 2021), NHB 2020 (Selected but didn’t join,
Scored 172/200 in Phase 1 and 44.8/50 in interview), SEBI Grade A (1 attempt in 2021,
couldn’t clear Phase 2) and RBI Grade B (2019-Out after Phase 2 with a huge margin, 2021-
Out after Phase 2, got 2 marks less than interview cut-off). RBI Grade B and SEBI Grade A
remained the final goals in this entire process. I didn’t attempt SEBI 2022 exam as I wanted
to focus only on RBI and I had certification exams going on at the same time. I didn’t prepare
for NABARD as I wasn’t comfortable with the syllabus.
Phase 1:
Quant & Reasoning - My Sources: Meritshine videos and Apptrix classes by RaMo. These
youtube channels helped me to learn the fastest ways to solve problems.
English - Didn’t prepare
GA - I followed only the Affairscloud monthly pocket pdf. In addition to this, Phase 2
preparation helped in Phase 1 as well. Smartkeeda/Testzone and practice mock quizzes for
practice.
This year I didn’t buy any mocks but finished all free mocks available on Oliveboard,
Practicemock, Grade up, Ixambee, and Adda.
My score wasn’t great in Phase 1 but enough to clear it. A couple of my friends who were
well prepared for phase 2 scored around 40 in the GA section. But they have used the same
sources. So revision and the way you prepare your notes make the difference.
GA section has been seeing some dramatic shifts. The last two papers (2021 March and
2022 May) especially were totally different. I felt Phase 1 GA was getting closer to Phase 2
GA. Demarcate the topics for Phase 1 and Phase 2 while making notes. This will be helpful
and will save time while preparing for Phase 2.
Phase 2:
Sources I read before my first attempt: Mrunal Economy Videos playlist on Youtube, NCERT
Economics Textbooks and The Indian Economy by Sanjiv Verma (I read this while I was
working and I read it at least three times. It is crisp and gives a good blueprint of the Indian
economy)
If you have a decent understanding of the Indian Economy and if you can make sense of the
technical terms which you come across while reading newspapers, then you can ignore the
above part.
English: I didn’t have a separate preparation for this. I just noted down some quotes to be
used in the essay (couldn’t recall anything in the actual exam so I didn’t write any). I followed
the regular structure (Introduction, Body and Conclusion). Regular newspaper reading
helped in this section.
ESI: I used the PIB website for this. For a couple of months, I bought PIB notes from Brajesh
Mohan sir and later I prepared them myself in the same format. You can check his telegram
channel for notes. Government schemes had the highest weightage this year. I covered
these from PIB notes and Edutap.
Reports: Questions were not asked in this year's paper but are still important. I covered
these from Edutap and the affairs cloud.
FM: I have followed the RBI website (Only the Notifications section) regularly for 6 months.
This helps for the interview as well. My work experience played a huge role in understanding
the concepts of finance part of the syllabus. For the current affairs part, I relied on Phase 1
preparation from Affairs Cloud.
Management Static: I have made notes for this from Shreerang Sir’s notes only. I edited
those notes according to the syllabus and pattern change. If you want to understand how to
make notes (for any subject), this is the benchmark you can refer to. Most topics in
management seem very simple until you see the questions in the actual exam. The amount
of clarity you have is what makes the difference in this subject. This section relatively is the
easiest one and if you have deep conceptual clarity, this is where you beat the average by a
huge margin.
Misc Topics Sources: Finance Commission (Drishti IAS website), Census (Skidha Blog),
SGB (RBI Website FAQ), PSL (RBI Website Master Circular) and SDG goals (Vision IAS Pdf
- very helpful in descriptive answers)
Budget and Economic Survey: Edutap Summary, Study IQ Videos and Crackgradeb free
Pdfs for Quiz
Descriptive: I tried to note down some current affair highlights to be used in descriptive
answers (Also a list of other facts from the budget and economic survey to quote in the
answers). I tried to frame bullet points for all the questions in previous year's papers and
also a few questions which I prepared myself from telegram groups. I kept revising these.
Word limit: Last year I wrote around 400 words for 15 markers and around 250 words for 10
markers. This year I have matched the word limit for all answers. Last year I wrote the
answers in paragraphs only. This year I wrote bullet point answers for 3 questions and the
rest in paragraphs. A couple of my friends who got selected matched only 65-70% of the
word limit. Don’t worry too much about the word limit if you have good-quality and structured
answers.
MCQs: I covered from free revision sessions of Edutap and Ixambee (very good quality
questions)

Mocks: I bought Oliveboard and my friend bought Practicemock. We shared the questions
once we finished the mocks but I couldn’t complete them. Mocks for phase 2 are not much
help as they are nowhere near the actual exam but I wanted to practice so I bought it. Also,
they have repeated questions even in those 10/15 mocks that they offer. If you have any
other source of questions for practice, I would suggest not buying mocks for Phase 2.

Interview:

If you think you stand a chance, start working on your bio-data immediately after Phase 2.
Start framing questions from there. Start reading a newspaper in detail (I followed Hindu and
Mint) and stay updated with the RBI website.

My transcript

Mumbai, September 09, 2022 – (Ganesh Visarjan day) – Reporting time: 8:30 AM

There were 19 people in total. I was the last one to go. Generally when there are 20
members, they conducted the interviews for around 13/14 people before lunch and the rest
after lunch. On my interview day, they finished all the 19 interviews before 2:30 PM.

There were 6 members in panel including the chairman. 2 Members didn’t ask any
questions.

Chairman: You are Sai Teja.

Chairman: Shall we start?
M1:
What do you do in training section (My current work profile)?
M2:
Your qualifications are very good. Why are you doing such a simple job?
What you are doing is very simple. You can finish your work in 1 hour. What else did you do
in the last one year apart from preparing for this exam?
He asked a couple of questions on the same lines. He tried to prove that my career choices
were wrong.
How do you stay updated?
What are the recent updates in RBI WEBSITE?
You are an engineering graduate. Tell me what are the cyber risks faced by RBI
How does RBI regulate NBFCs?
What is scale based regulation? How many Layers? Why is top layer empty?
Why did they do it now and not before
What will you do in HRMD if you become a Manager?
M3:
Why do we need central banks?
Chairman:
I will ask only one question. What went wrong in your two previous attempts?

It was less than 10 minutes and I was not at all satisfied with my performance. I felt that I
should have spoken about things that I mentioned in my bio data.
Interview Sources
1. Skidha Blog
2. RBI Functions and Working Book
3. FSR, Annual Report, Banking Progress & Trends Report, Monetary Policy Report,
Forex Report, Report on Currency and Finance – Only Highlights for these
4. Bio Data form –
a. HR Questions
b. About School (I studied in JNV, so this was important for me)
c. Degree
d. Work Ex (Previous + Current)
e. DTIRM (Certification)
f. CAIIB (Certification)
5. Questions compilation from Previous Transcripts
6. RBI Website
7. Major Current Affairs
8. RBI Notifications
Useful phrases - Sorry Sir, I don’t know the answer to that, but what I do know is that, As per
my understanding, I am not aware
I joined Shivam’s group for interview. Fellow aspirants prepared notes about major current
affairs and these were helpful. I have attached the questions compilation I prepared from
previous transcripts in the annexure at the end. I have watched Drishti IAS UPSC mock
interviews available on YouTube and this helped me in framing Bio Data related questions. I
gave 4 mock interviews (Shivam, Ixambee, Byjus, and My Superiors in the office) and I
believe every interview helped. Try to schedule the interviews in a planned way so that you
don’t get overconfident or underconfident before the actual interview. I had a session with
Susheel Ragade Sir (Ixambee faculty and Ex RBI Manager) the day before my actual
interview. It was very helpful. He discussed a couple of questions which were asked in my
actual interview too and which I didn’t prepare before that.
The interview is the most random process. There will be a lot of chatter in the telegram
groups during this phase. You will see people talking and you will decide that some person
will get selected for sure. There will be a lot of people like that discussing all kinds of finance
and economic concepts using all sorts of technical vocabulary. Don't worry about them. No
one knows what the deciding factor is. But be sure that a lot of factors come into play and
you need to ace most of them(For example Dressing, punctuality, being humble, sounding
confident, and having a decent idea about all contemporary events and news). Things like
the length of the interview, the presence of the chairman in the interview and the amount of
time he is in the room, how the panel smiles, number of questions don’t follow any pattern.
Selected people have all kinds of permutations. Your performance on that day matters. What
you think about yourself reflects in your body language and what the panel thinks reflects in
your marks.
Don’t see the previous year's transcripts individually. The questions are mostly specific to
that particular person and most of the times revolve around the bio data. Also, they are
dynamic in nature and focused on the news affairs which are relevant at that point in time.
Miscellaneous Thoughts:
Read multiple strategies and try to frame your own. All the 3 phases are tricky in this exam
and in a unique way. Phase 1 has nothing much to do with once it is over. You just need to
qualify it. Finding the right balance of time to be spent for Phase 1 is very tricky. Phase 2 has
200/300 marks for descriptive but the effort people put into descriptive writing is generally
not in the same proportion. You should know it yourself if you have the writing skills and
devote the time accordingly.
Telegram did play a role in my success. I believe I have used it wisely. Filter out all the
nonsense and just keep following the channels which post useful stuff.

Don’t waste the time after phases 1 and 2. Keep going if you think you have a chance. This
gives a lot of edge. Sometimes that’s what differentiates your result. Especially if you are a
working candidate. Courses include a lot of unwanted information just to be safe and market
later that everything came from their material. You need to filter out a lot. That’s why most of
the aspirants study from multiple sources. Analyse the previous year's questions. You will
get an idea of what to prepare and what to ignore.

I have received help and emotional support from many people throughout this journey. I
would like to thank each one of them for their time and efforts. Thank you all!

Annexure

Bio Data and HR Related

1. Meaning of my name.
2. Tell us something about yourself
3. Why RBI?
4. How your qualifications will help RBI?
5. You seem to have done a unique form of graduation. Can you tell about it? How is it
different from normal B.Tech?
6. Your work experience?
7. Why corporate to public sector?
8. You will have a lot of opportunities to learn and contribute, why do you want to miss
that previous opportunity and switch to banking?
9. How different is working for RBI compared to corporate?
10. What expectations do you have from RBI?
11. What is your father’s job?
12. Specialties of Your city/Hometown
13. You have 3 minutes to make us believe why we should hire you?
14. What sources did you prepare from?
15. Finance secretary vs. Governor, if given a choice
16. Which department would you like to join? Why?
17. Have you prepared for UPSC as well? It's tough to believe you haven't.
18. You academics record is good. Don't you think you should have been doing
somewhat productive by now?
19. Haven't you applied for other exams?
20. How you prepared for the exam in the changed pattern? As you have appeared in
the past as well, compare the two patterns
21. How you spend your free time? Don't you have any hobbies?
22. You can work and grow as an assistant as well. Why you are in such a hurry?
23. You are already selected in RBI. What is your motive on joining Grade B post?
24. How many attempts and why did you fail in getting into RBI? What do you think, went
wrong in your previous attempts? What keeps you persistent even after all these
years?
25. What are your long term goals?
 26. You were drawing a good salary from the standards of a fresh graduate. You did well
in your graduation. Still, why you left your field of education too quickly?
27. Why Engineers like you studying from good engineering colleges are coming into
Banking and leaving their fields?
28. What is your favorite topic in graduation subject?
29. You could have also gone for professorship or doctorate. What attracts you to RBI?
30. Do you have any plans for higher studies?
31. Can you do a SWOT analysis of yourself?
32. Most important quality one should have or you have?
33. Are you ready to be posted anywhere in the country?
34. You are a bright prospect. Still, what will you do if you don't get into the RBI this
time?
35. Speak for 3 minutes about your experience at the RBI. What are the 5 things you
have liked about the organization?
36. What are the things you did not like about the organization?
37. Why did you do certifications? How did/will clearing CAIIB and DTIRM help you in
overall working at the bank?
38. Given your certifications, don't you think you are over-qualified for the job (as
assistant) given that you will have to start from scratch again?
39. You have worked for close to 1 year at both your organizations. Why don't you stay
for long? Will you do the same in RBI?
40. You have been a meritorious student during school. What brought a sudden dip to
your academics in college?

RBI Related

1) What are the two main challenges to RBI in current economy?

2) What is lead bank scheme- is it target to particular districts or all districts and why?
3) What is monetary tightening?
4) What is CBDC?
5) What is Standing deposit facility?
6) Forex reserves and Management. Any idea about forex reserves and why are they
depleting?
7) What is the conflict between growth and inflation
8) Development by RBI in fintech. Where we stand vis a vis with other countries?
9) Digital Payments Index
10) Regulatory Framework on microfinance loans
11) Revised regulatory framework for UCBs.
12) Regulatory Sandbox
13) Payments Vision 2025
14) Depreciating Rupee and RBI’s forex intervention
15) Difference between Central Bank and Reserve Bank (Why)?
16) Can you summarize Annual Report?
17) How our economy is struggling right now? – Answer from Monetary Policy
18) Can you describe the MPC performance during the past 2 years?
19) What are the various functions of RBI? Which function excites you the most?
20) Why do we need central banks?
21) Money vs Currency
22) Functions of Money
23) Why a central bank is needed. Why not government itself can do functions of RBI?
Governments have short term goals and it is growth oriented. Central bank bats for financial
stability and it is long term oriented. Both are conflicting so separated institutions.
24) Why RBI targets CPI?
25) Food is included in CPI. But we can't control food inflation from the demand side. So
why is it still there in CPI? There is a theory that says food items should either be
rationalised or removed from CPI. Your views?
26) Have you heard about microfinance? What is it? What is RBI's role in microfinance?
27) What is the linkage between GST in India and the RBI?
28) Have you gone through the balance sheet of the RBI?
29) Name 4 differences between a commercial Bank and a Regulator
30) Can RBI perform the basic banking functions of opening accounts for individuals?
31) Why Reserve Bank of India is has "Reserve" in it? Why not Central Bank?
RBI is the custodian of India's forex reserves. Maintaining enough capital in order to
maintain financial stability, lender of last resort, forex reserves management
32) What do you find the most interesting thing about RBI?
33) What is financial inclusion? What is the role of insurance in FI? Have you read NSFI
Document of the RBI?
34) How big a role do you think repo rate plays in tackling the inflation issue? What has
been the trend of inflation recently?
35) Do you think RBI should do both regulation and supervision of banks?
36) RBI balance sheet and revenue sources, seigniorage
37) What is financial stability? How RBI maintains it?
38) Do you know about NPA? Does RBI have NPAs?
39) Which institution audits RBI?
40) Different departments of RBI
41) Functions and challenges of RBI?
42) Tell me word by word preamble of RBI?
43) What are assets and liabilities of RBI?
44) What was the department setup by RBI recently?
45) What are the publications of RBI?
46) What is the current risk for RBI these days?
47) We have government and all then what is the need of RBI?
48) Why RBI is lender of last resort? Do you remember when RBI has played its role for
this function?
49) What is the relation between common man and RBI governor?
50) Why RBI should regulate banks? In questions like these can one make good use of
sections of Banking Regulation, RBI Act.
51) Why RBI was formed? Why is there even a need of RBI? Why can't government do
the job of RBI?
52) What is the difference between regulation and supervision?
53) What are the assets and liabilities of RBI? What are the various expenditures of RBI?
54) RBI's History. (Creation, committee, act, capital etc)
55) What is the difference between financial inclusion and financial literacy? What are the
measures taken by the RBI for the same?
56) What is microfinance? Does RBI regulate microfinance?
57) Why Government can't be regulator?
58) What is bank? What is central bank?
59) Is price stability and financial stability same? Which is more important?
60) Have you visited the RBI website? What all have you read?
61) Central bank in maintaining Financial Stability in economy.ie...It's one of the core
function
62) Current position of forex reserve.
63) Do you read about monetary policy?
64) How RBI manages the exchange rate?
65) How many denominations notes are there?
66) What is the most intriguing thing you find about RBI?
67) What attracts you most in RBI?
68) What is the difference between forex reserves of India and countries like China,
Korean and Taiwan?
69) Tell me about regulatory sandbox...recent cohorts...How many Cohorts.
70) Tell me in one sentence the need of Financial Inclusion. Compare Financial Inclusion
in India vs other countries – Include details like for how much population there is a bank in
India and other countries-20% of population share without access to services of banks or
similar organisations, 33 countries better than India, US at 7%. Denmark, Finland, Norway
tops. Commercial bank branches (per 100,000 adults) – India stands at 14.7 in 2020
compared to US at 29.7
71) Explain me the role of banker to Government. Why it is good idea to keep the debt
management with RBI only.
72) What have you learned about RBI after joining regarding the functions
73) How is currency issued? Mentioned about hub and spoke model and currency chests
74) How is supervision done? Mentioned 4 pillars of supervision: on site examination, off
site surveillance, market intelligence, audit reports
75) If Government sells its entire stakes, can then it be regulator of banks?
76) Is there any other central bank which performs extra functions than that of monetary
policy, debt management etc.
77) FIT - Why is inflation in India set at 4% and USA near about 0%
78) Which country doesn’t have central bank
79) What has RBI done in Financial Literacy?
80) Why is inflation good? Why don't we have zero inflation as target?
81) Components of Financial Inclusion Index
82) Whose signature is there on currency, what is the statement above that, and what
does that mean?
83) Difference between financial inclusion and financial awareness?
84) One thing you'd like the RBI or government in general, to improve?
85) What are ways of communication by RBI to Banks and Customers?
86) Is RBI ambiguous in its communication to banks?
87) Monetary Policy Stances
88) Risks associated with central bank functions of RBI?
89) Dr. YV Reddy said something about conflict of interest in RBI managing public debt
and liquidity operations. What is that?
90) What does the word "reserve" of in the name of RBI signify to you?
91) What is the currency in circulation in the month of July?
92) How currencies are printed by RBI? Details of asset backing Backed by assets like
gold, security and foreign currency
93) Currency under banking department is asset or liability? Asset under banking
department. Liability under issue department
94) Are you aware of CSR circular of RBI for Banks?
95) What is currency stability, financial stability?
96) What are the various departments of the RBI? Tell without any pause.
97) What is RBI's stance on crypto currency? What are your views?
98) How far can monetary policy be a tool to boost growth in the country
99) How does the RBI regulate the banks?
100) What are the recommendations of the recent MPC? What is the inflation trend in the
last two quarters? How can the GDP growth be picked up from here?
101) What is the core function of RBI? Which function of RBI do you like most? Regulation
and Supervision of Banks M1: Why you like this function most?
102) When was the RBI Act passed? Tell about RBI history, the creation, commission, first
governor etc. Name the changes made to the RBI Act in 2016.
103) How the external benchmarking impacting the monetary policy transmission at the
ground level?
104) Summarize the latest speech from the RBI website in 3 minutes?
105) How Fintech can help the banking sector? What are the risks associated?
106) Do you know about RBI MANI?
107) Can you comment on the adequacy of the forex reserves of the RBI?
108) There has been a hue and cry over the regulation of cooperative banks? What
instances have led to that? What is dual regulation? Should the task of regulating the
cooperative banks be totally kept under the RBI?
109) Can you recall 10 things (tabs) you see on the home page of the RBI website?
110) Any 3 achievements of RBI (in own opinion) in last 5 years
111) Why do you want to work in DoS?
112) Financial Inclusion Index,Digital payment Index, Payments vision 2025

Banking and Misc

1. Food is included in CPI but we can't control food inflation from demand side. So why
is it still there in CPI Also do you think CPI should be rationalized and if yes why?
2. Should we privatise all PSUs and why
3. Dollarization - Rupee internationalisation
4. Russia Ukraine War
5. Inflation and Commodity prices rise
6. PSB privatisation
7. Stable coins and crypto crash
8. Are you aware of Caution Listing
9. what is impossible Trinity
10. what is crypto currency
11. What is Stable coin
12. Difference between digital currency and cbdc
13. Why cbdc required
14. What is BNPL
15. International Trade Settlement in Indian Rupees
16. Liberalization of Forex flows
17. Is there any possibility of recession?
18. Sri Lankan crisis: Lessons for India
19. The dream of USD 5 Trillion
20. Impact of Russia-Ukraine war on India
21. Bank Privatization
22. Take on Bank Nationalization
23. What is shadow banking?
24. Despite multiple efforts by the government to promote digitization, the public is
inclined towards keeping cash and the trend has only increased as per the latest report. How
do you explain this?
25. Speak for 3 minutes on how you can bring innovation to the banking sector?
26. Difference between commercial and cooperative bank
27. What are shadow banks?
28. Types of banks
29. What is DICGC?
30. What are other subsidiaries?
31. What is NABARD? What is microfinance?
32. What do you mean by small industries?
33. Priority Sector Lending targets. PSL Shortfall. PSLCs.
34. Fiscal deficit, Current Account Deficit, Revenue Deficit. Definitions and current
values.
35. What is fiscal room? Which law governs it?
36. Talk for 2 minutes on FinTech.
37. Recent IMF report and GDP Projection.
38. What are benchmarks on the basis of which you'll compare the listed enterprises?
39. What is the difference between AI and ML? What is deep learning?
40. Has IBC done well vis a vis previous laws? What is the difference between
insolvency and bankruptcy?
41. What is intermediation and disintermediation?
42. What is forex? What are its components? Explain each.
43. What is inflation? What impact inflation will have on currency?
44. What are Basel Norms? How are risk weighted assets calculated?
45. Rupee Convertibility, India's Position, which committee is associated with it? What
are its recommendations?
46. What is block chain technology? Apart from Bitcoins, where it is used?
47. What are NPAs? How to better manage NPAs?
48. Banking regulation act 1949
49. How nationalisation helped in financial inclusion?
50. Why banks do financial inclusion, why doesn't Government do it?
51. Why banks don't do what they are supposed to do?
52. This - promoting the schemes of Government doesn’t happen anywhere else in the
world, only Indian banks do this?
53. PSB merger: 2 merits and 2 demerits.
54. Nationalisation of banks good or bad?
55. Basel norms, CCB and CCCB?
56. Why both leverage ratio and CAR needed?
57. What is securitization? What was its role in GFC?
58. Explain Payment and settlement act? What is the scenario right now related to digital
banking.
59. Recently fin-tech is on boom...can u name some fin-tech products
60. Which other organisations have come from payment and settlement act? What is
61. the future of Digital Transactions?
62. Difference between DIGITAL BANKING and DIGITAL CURRENCY.
63. What is economic capital?
64. What are the risks of a bank? Which dept is responsible for that?
65. Economic slowdown and contagion effect definition?
66. What are local area banks and their total number in country?
67. What is stagflation? Examples what is housing finance co, how different from bank,
68. Do you know Keynes? What is his impact something on Indian economy?
69. What is ASISO
70. Terrorist financing can be done normally also, why only crypto currency is a risk?
71. What is Zombie Banking
72. What are the exact issues with LIBOR that it is getting discontinued? How will it affect
the economy?
73. What are ARCs? What is the need when banks can do the same work?
74. What is market risk?
75. What is interest rate parity
76. What is derivative? Why we need derivatives?
77. Efficient Market hypothesis?
78. Why markets are on a high despite low growth
79. Corporate Bond market status in India ?
80. Black Swan events
81. What will you do if you become FM
82. India Currency Manipulator
83. Fiscal policy contracting
84. Twin Deficit
85. Subject names Statistical concepts
86. How will fiscal deficit get impacted with rise in interest rates
87. What is a Co-location scam?
88. Why bad bank when we have ARCs
89. What is bill of exchange ?
90. What are IFRS? Why don't banks apply them instead of AS?
91. What is time value of money?
92. You were a derivatives trader. Now we're seeing that a lot of volatility in the futures
markets leads to price fluctuations in the agricultural prices. What's your view?
93. You must be aware of different risks that a bank faces. Can you give an example
where one risk leads to other?
94. What is inverted yield curve? Why does it happen?
95. Now suppose rupee today is less valuable than tomorrow. Then what will happen?
96. If the rupee is depreciating and fpi pulls out the money...who will be in the loss...RBI
or fpi?
97. Non Deliverable forwards
98. Asked about Libor transition and impact on India
99. Capital asset pricing model
100. What is interest rate parity
101. What is economic capital framework and its objectives?
102. What is the difference between NPA and SMA? SPA provisions NPA Provisions
103. What is commercial paper
104. What are NBFC?
105. Should NBFC continued in India or should it be converted to banks?
106. What is Masala bond
107. What are the different types of risks?
108. tell me about global financial crisis. What were the products? Role of rating
agencies? Rating agencies in India?
109. What is a Bank? What are differentiated banks? Their relevance? Where did you get
this definition of bank from?
110. Is globalization retreating?
111. What is the biggest risk faced by banks?
112. What is systemic risk?
113. Textbooks from notifications for preparation
114. Gross NPA vs Net NPA
115. Is banking privatization good or bad?
116. What is Fintech? Fintech companies in India?
117. NBFC and Bank difference
118. Asset securitization
119. What are Self-Regulatory Organisations and why needed?
120. Will digital currencies make India a cashless economy ?
121. What is a bank and how is it different from NBFC?
122. What is carbon footprint?
123. What is inflation?
124. What will be the impact of inflation on currency?
125. Speak for 3 minutes about GST and its performance in India?
126. What is blockchain technology? what can be its applications in the banking sector?
127. What is Central Bank Digital Currency? (CBDC). Has the time come for India to
adopt this new trend?
128. What do you understand by demographic inversion
129. What is FCRA
130. Speak about India’s long term fiscal policy and how should it be?
131. Speak for 3 minutes about the war in Europe
132. Speak for 3 minutes about the NPA situation in the banks?
133. Difference between Banks and NBFCs