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RBI Grade B 2023 Preparation Strategy & Exam Analysis

Topics Covered: RBI Grade B Preparation Strategy, Study Sequence, Important Techniques, Approach to Mocks, DOs & Don’ts, Day-Wise Study Plan, Phase 1 – Quant Reasoning & English Study Plan, Phase 2 – FM & ESI Study Plan, Exam Analysis of Phase 1 and Phase 2 from 2019 to 2022

If you are targeting government jobs, RBI Grade B 2023 examination is the best entry-level job in the country. RBI is known as the banker of the banks but also an architect of India’s economy and working with which is a sign of respect and dignity in the society.

The RBI is India’s apex economic and banking organization mandated with the task of keeping the nation’s economy stable.

It does so by creating appropriate fiscal policies and banking regulations in order to manage price stability.

It also serves as the bank to the government of India and the only note-issuing agency to the government.

Impressive, isn’t it?

Now, given the merit of the organization of RBI, I want you to think about the abilities of the people that make it possible.

Imagine how impressive they must be. Now, the people I am talking about here, the foremost among them are the RBI Grade B officers.

They are the crème de la crème from amongst the academic and economic elites of our nation.

That said, these officers are recruited annually through the RBI Grade B recruitment process.

The recruitment process involves a challenging exam consisting of 2 phases and a final interview round.

Needless to say, these exams are no walk in the park. Only the most dedicated, smart, and hardworking aspirants get to make it through.

Having said that, I will also emphasize the fact that if you follow a time-bound & disciplined study plan, analyze the papers of the past years and solve them, draw out an intensive strategy and cover the most important topics from the syllabus, then the exam will not take its toll on you, and you shall be able to clear it.

Do you have what it takes to clear the RBI Grade B exam?

Well, if you do, I think you should thoroughly go over this article.

Table of Content – RBI Grade B Preparation Strategy & Exam Analysis

Basically, this article will be one of the most important things you will read in your quest to crack the RBI Grade B 2023 exam.

That said, if you go through this article and stick to what’s written in it to the T, you too will taste success in the RBI Grade B exam. I guarantee you that.

In it I have talked about all the preparation related topics like, what your study sequence should be, the important techniques to use while preparing for the RBI Grade B, how to approach mock tests, important dos and don’ts pertaining to your preparation, and day-wise study plan.

Apart from that, I have also listed down the detailed analysis of the RBI Grade B exams of 2022, 2021 and 2019 in this article.

So, without further ado let’s begin with our first topic.

Preparation Strategy: RBI Grade B Phase 1 & 2

In this section I have mentioned in detail, everything that you’d be needing to ace the RBI Grade B exam with flying colors. Do go through the topics written below as thoroughly as possible and implement them to your RBI Grade B preparations.

I have also included detailed, time-bound, and subject-wise study plans for you, so that you can schedule your study accordingly. The best thing about these study plans is that they are extremely easy to understand and are in a tabulated format.

Anyway, let us start with the most important topics related to the RBI Grade B preparation:

Study Sequence

1. When you start with your preparation, take at least 3 mocks of both Phase 1 and 2 to identify your strong and weak areas. Scores < 50% shall be considered weak.

2. Categorize subjects falling under strong and weak categories, after carefully evaluating which of them you are strong in and which of them you are weak in. Be honest.

3. Next, you should Create a Study Timeline, I.e., Divide your preparation time into week-wise phases. Pick out 2 subjects at a time, one that you are strong at, and another you are weak at. You can also use the timetable given by me below. It is divided into morning and evening shifts.

4. Brush up on Current Affairs: You can make use of ‘Spotlight’, ‘PIB Current Affairs’, and ‘Finance Current Affairs’ to study current affairs. If you have limited time, start with current affairs when you are done with at-least 50% of your syllabus. Do not begin your preparation with the current affair.

5. Practice Writing: Attempt a test of Phase 2 FM or ESI and Essay every week to improve your writing skills.

At this point, I would suggest that you guys should be absolutely thorough with the updated RBI Grade B Syllabus.

Important Techniques

1. Have the schedule for your day prepared before leaving the bed in the morning and stick to it as steadfastly as you can.

2. Revise either daily or weekly, depending on your timetable. Working aspirants can follow weekly revision schedule and students can follow a daily revision schedule.

3. You should analyze past year papers diligently. Doing so would help you to list the important static parts of the subjects and shed light on the shifting trends/changing patterns.

4. Carry out a Self-Assessment every once in a while: Be sure to observe yourself, as you are the best guide of yourself. You must know where you lack and how much time you need to devote to a topic.

5. Don’t devote too much time on reading newspaper. Current affairs magazines are more helpful before interview. Argumentation and opinions help in the interview stage more. You can rely on monthly magazines for Phase 1 and Phase 2.

6. Avoid last minute hustles for important tasks such as filling your application form, downloading your admit card, etc.

Know how to fill your online application to avoid silly mistakes.

Approach to mocks

1. Writing mocks every week is very important. Mocks can be sectional or comprehensive, depending on the stage of your preparation. You can start with sectional tests by using my RBI Grade B Phase 1 and Phase 2 sectional mock tests. When the examination is 1 month away, you can begin comprehensive mocks.

2. Sectional as well as comprehensive tests help by improving time management skills of the aspirant.

3. Mock analysis is as important as mocks itself. You can analyse mocks by dividing your answers into 3 parts- correct, incorrect and not answered. You need to work on questions that got correct by fluke and the answers that got wrong due to silly mistakes. Try to minimize these two.

4. Work on elimination technique to score higher and also enhance your accuracy. Under elimination, you eliminate all options before finalizing your answer choice. It is certainly more time consuming but more accurate as well. (Elimination is not always successful in quant and reasoning. If you have arrived at the right answer by solving a question, no need to apply elimination)

Attempts free Mock Tests with detailed analytics here.

Do’s and Don’ts

1. Cramming Wisely: Question papers have become a mix of concepts and facts – this needs a holistic approach wherein you are cramming and understanding concepts together.

2. Limited your Sources of study: Sources are like old friends that are always there to help you in the time of need. You do not need to read from new books, decide on a few and stick to them, besides you won’t have the time to go through new books.

3. Practice on as many Aptitude tests as you can: Remember to practice Aptitude mock test as often as you can. GS paper will be evaluated only if you clear CSAT by getting 33% or 66 marks. Do not forget to cover aspects like mental ability, comprehension, and logical reasoning while taking aptitude tests.

4. Manage your time well: Make sure to not spend much of your time and energy on useless talks and discussions. Stay away from stressful people and Eat, Sleep, Study & Meditate for better results.

5. Stay away from things like Facebook, Instagram, or entertainment sources like Web series or other social media platform which can distract you.

6. Do not use your phone while studying. If you don’t have a laptop, get an old laptop or desktop. Phones aren’t meant to study. Keep your phone in another room or in a drawer while studying. This is rule 101.

Those were all the important points for you to keep in mind while preparing for the RBI Grade B exam.

Now let’s look at the Day-wise study plan that I have made for you in the form of tables, but before that, let us go through some important points that will help you understand the study plan better.

Day-Wise Study Plan

1. The plan has been divided into 3 parts- Phase 1 Quant, Reasoning, and English; Phase 2 Economic and Social Issues; Phase 2 Finance & Management. Based on your priority, you can pick up any one of the 3 parts.

2. If you have more than 4 months in hand for your prep, it is advisable to start with the Phase 2 F&M plan, followed by Phase 2 ESI, and finally Phase 1 QRE. However, there isn’t any hard and fast rule for it. You can also start with Phase 1 QRE if you feel that you are very weak in the same.

3. Pick up a maximum of 2 subjects in one day, as described in the study plan. Do not pick up more than 2 subjects at one point.

4. If you are a working aspirant, you need to divide your studies into 2 slots – morning and evening. Get up before other aspirants and start your day with the morning targets provided in the below study plan. Try to leave your office by 6 PM, come back home and sleep for 1 hour straight. Start studying by 8 PM and give only 3 hours. You do not need to burn the proverbial midnight oil.

5. Repeat the cycle after you have completed your syllabus once. In the second reading, start with current affairs too. You need to cover Phase 1 and Phase 2 current affairs together. You can use Daily Current Affairs by Neha Ma’am, PIB Current Affairs by Manish Sir, and Finance Current Affairs by Gulabsa Ma’am to cover current affairs daily (Available on YouTube).

6. Phase 1 current affairs are to be covered for 6 months before the exam. Phase 2 current affairs need coverage of 1 year prior to the exam.

Phase 1 – STUDY PLAN (Quant, Reasoning & English)

Quantitative Aptitude Reasoning
Morning Evening
Chapters Days Chapters Days
Profit & Loss Day 1 & 2 Inequalities Day 1 & 2
Time & Work Day 3 & 4 Directions Day 3 & 4
Ratio & Proportion Day 5 & 6 Blood Relations Day 5 & 6
Average, Mixture & Alligations Day 7 & 8 Statements & Assumptions Day 7 & 8
Time, Speed & Distance Day 9 & 10 Statements & Arguments Day 9 & 10
Quadratic Equation Day 11 Statements & Course of Action Day 11
Quadratic Equation Day 12 Coding Decoding Day 12
Numbers, HCF & LCM Day 13 Coding Decoding Day 13
Numbers, HCF & LCM Day 14 Input & Output Day 14
Data Interpretation Day 15 Input & Output Day 15
Data Interpretation Day 16 Arrangements Day 16
S.I. & C.I. and Partnership Day 17 & 18 Arrangements Day 17 & 18
Percentages Day 19 & 20 Number Systems Day 19 & 20
Ages Day 21 & 22 Puzzles Day 21 & 22
Approximation Day 23 & 24 Syllogism Day 23 & 24
Simplification Day 25 & 26 Analogies Day 25 & 26
English Reasoning
Morning Evening
Chapters Days Chapters Days
Reading Comprehension Day 27 & 28 Statements & Conclusion Day 27 & 28
Cloze Test Day 29 & 30 Cause & Effect Day 29 & 30
Para Jumbles Day 31 & 32 Order & Ranking Day 31 & 32
Common Errors Day 33 & 34 Alphabet Test Day 33 & 34
Phrase Replacement Day 35 & 36 Sequence & Symbols Day 35 & 36
Critical Reasoning Day 37 & 38 Classification Day 37 & 38
Sentence Correction Day 39 & 40 Data Sufficiency Day 39 & 40
Combining Sentences Day 41 & 42
Fill in the Blanks Day 43 & 44
Vocabulary Day 45 & 46

Phase 2 – STUDY PLAN (Finance & Management and Economic & Social Issues)

Finance Management
Morning Evening
Chapters Days Chapters Days
Regulatory Bodies Day 1 & 2 Introduction Day 1 & 2
Indian Banking Systems Day 3 & 4 Evolution of Mgmt. Thought Day 3 & 4
Indian Financial Systems Day 5 & 6 Mgmt. Function & Mgmt. Roles Day 5 & 6
Financial Market Day 7 & 8 Nudge Theory Day 7 & 8
Risk Management in Banking Sector Day 9 & 10 Intro to Org. Behaviour Day 9 & 10
Financial Inclusion Day 11 & 12 Personality Day 11 & 12
Alt. Source of Finance PPP Day 13 & 14 Perception Day 13 & 14
Corporate Governance Day 15 & 16 Motivation Day 15 & 16
Inflation Day 17 & 18 Leadership Day 17 & 18
Fintech Day 19 & 20 Emotional Intelligence Day 19 & 20
Global Financial Market & Intl. Banking Day 21 & 22 Analysis of Interpersonal Relationship Day 21 & 22
Impact of Global Financial Crisis Day 23 & 24 Conflict Day 23 & 24
FDI FPI Disinvestment Day 25 & 26 Organisation Change Day 25 & 26
GST Day 27 & 28 Organisation Development Day 27 & 28
ESI Management
Morning Evening
Chapters Days Chapters Days
National Income Accounting Day 29 & 30 Morales & Incentives Day 29 & 30
Schools of Economic Thought Day 31 & 32 Communication Day 31 & 32
Growth & Development Day 33 & 34 Communication Day 33 & 34
Human Development Day 35 & 36 Corporate Governance Day 35 & 36
ESI Ethics
Morning Evening
Sustainable Development Day 37 & 38 Introduction to Ethics Day 37 & 38
Nature of Indian Economics Day 39 & 40 Theories of Ethics Day 39 & 40
India's Economy before Independence Day 41 & 42 Business Ethics Day 41 & 42
India from 1947 to 1991 Macro Economy Day 43 Business Ethics Day 43
ESI ESI
Morning Evening
India from 1947 to 1991 Macro Economy Day 44 India from 1947 to 1991 Services Day 44
India from 1947 to 1991 Agriculture Day 45 India from 1947 to 1991 Services Day 45
India from 1947 to 1991 Agriculture Day 46 Economic Reforms Day 46
India from 1947 to 1991 Industry Day 47 Economic Reforms Day 47
India from 1947 to 1991 Industry Day 48 Indian Eco. Post 1991 Agriculture Day 48
India from 1947 to 1991 External Sector Day 49 Indian Eco. Post 1991 Agriculture Day 49
India from 1947 to 1991 External Sector Day 50 Indian Eco. Post 1991 Services Day 50
Indian Eco. Post 1991 Macro-Eco Day 51 Indian Eco. Post 1991 Services Day 51
Indian Eco. Post 1991 Macro-Eco Day 52 Indian Eco. Post 1991 External Sector Day 52
Indian Eco. Post 1991 Industry Day 53 Indian Eco. Post 1991 External Sector Day 53
Indian Eco. Post 1991 Industry Day 54 Public Debt Day 54
Indian Eco. Post 1991 Services Day 55 Public Debt Day 55
Indian Tax System & Public Expenditure Day 56 & 57 Federal Finance Day 56 & 57
Fiscal Policy Day 58 & 59 Unemployment Day 58 & 59
Poverty Day 60 & 61 Demographics Issues Day 60 & 61
Population Day 62 Education Day 62
Health Day 63 Positive Discrimination Day 63
Gender Day 64 Key International Economic Institutions Day 64
Other Social Issues Day 65 International Economic Institutions Day 65
Gender Day 66 Key International Economic Institutions Day 66
RBI Grade B Course Kit (Books for Phase 1 & 2)
Preparation Kit for RBI Grade B Exams

Throughout this strategic approach, I would suggest that you stay updated with the exam dates for the upcoming RBI Grade B Exams. For your convenience, I have linked the respective section above.

Now since we are done with the preparation strategy or the study plan, whatever you call it, there’s one more thing that you need to do if you want to maximise your chances of selection in the RBI Grade B Exam.

You must be wondering what I am talking about. Well, I’m talking about the RBI Grade B Exam Analysis. Exam Analysis holds a very important key to your selection because it helps you identify the areas from which questions are regularly framed and you also get to know the level of questions asked.

So, without wasting any time let’s move on to the RBI Grade B Exam Analysis of the previous year papers.

RBI Grade B Exam Analysis

As I have already mentioned before, to ensure victory in any battle or sport, just the preparation from your side is not enough.

You also need to gauge the abilities of your opponents and also the playing/battlefield where the clash is to take place by analyzing the past year’s trends and records.

According to the subsequent findings you’ll get from the analysis you’ll become aware of how prepared you are and also know how much more effort you’d need to put in to ensure a sure-shot victory.

This is the formula you’d need to apply to ensure success in the upcoming RBI Grade B exam as well.

But, before we head to the exam analysis I am providing you the link to the blog where you would be able to access the previous years’ papers (from 2010 to 2021) and download them.

So, let’s begin with the RBI Grade B exam analysis of the year 2022.

RBI Grade B 2022 Exam Analysis for Phase 1

The RBI Grade B 2022 Phase 1 successfully took place on 28th May 2022. The exam transpired in two shifts: Morning and Afternoon. Both the shifts followed the same exam pattern.

Here’s the pattern of RBI Grade B 2022 Phase-1:

Sections No. of Questions Marks Duration
General Awareness 80 80 A total time of 120 minutes is given to complete the Phase 1 Paper
Quantitative Aptitude 30 30
English Language 30 30
Reasoning Ability 60 60
Total 200 200

With the pattern in place, let’s jump straight to the exam analysis.

RBI Grade B 2022 Exam Analysis: Phase 1 (Both Shifts)
Shifts Level of Exam Good Attempts
Shift 1 Moderate to Difficult 85 Above
Shift 2 Moderate to Difficult 80 Above

Upon analyzing the papers of both the shifts, it can be stated that the overall level of the 2022 Phase 1 exam was moderately difficult.

I have mentioned the section-wise RBI Grade B 2022 Phase 1 exam analysis below:

RBI Grade B 2022 Phase 1 Exam Analysis (Section-Wise)
Shifts Subjects Level of Exams Good Attempts
Shift 1 English Language Moderate 20-25
Quantitative Aptitude Moderate 10-15
Reasoning Ability Moderate to Difficult 24-25
General Awareness Moderate 50-60
Shift 2 English Language Moderate 20-25
Quantitative Aptitude Moderate 10-12
Reasoning Ability Moderate to Difficult 20-25
General Awareness Moderate to Difficult 50-60

Now, let’s get to the section-wise analysis of the RBI Grade B 2022 Phase 1 exam.

RBI Grade B 2022 Exam Analysis for Phase 1: Section-wise

I have mentioned below the topics that came in the RBI Grade B 2022 exam from each of the sections.

English Language

The English section gets designated with 30 questions, one question a mark. Over the years this section has played a crucial role in the qualification of many candidates, and in this year’s edition as well this section was comparatively doable, as per the general mandate.

In the table, I have filled the topics that represented the entire English section of RBI Grade B 2022 Phase 1.

Take a peek at the representation and get the general idea of the English section.

English Language
Topic Number of Questions
Reading Comprehension 12-16
Sentence Rearrangement 2
Fill in the blanks 4-5
Error Spotting 6
Idioms and Phrases 2
Phrase Replacement 3

The overall level of this section was easy to moderate.

Quantitative Aptitude

From the table that I have mentioned below, you’ll get a fair idea about the approximate distribution of questions asked pertaining to different topics of the Quantitative Aptitude Section in the 2 shifts of the Phase 1 paper.

Quantitative Aptitude
Topic Number of Questions
Data Interpretation 11
Number Series 4
Data Sufficiency 4-5
Arithmetic Questions 10-12
Quadratic Equations 3

The questions that were asked on Data Interpretation were in the Caselets, and pie chart formats.

They were lengthy questions but were doable.

The problems asked for in the arithmetic section were based on Mensuration, Time and Work, Percentage, Age problems, etc.

The overall level of this section was between moderate to difficult.

Reasoning Ability

In the table that I have mentioned below, you’ll get an idea about the approximate distribution of questions asked pertaining to different topics of the Reasoning Ability Section in the 2 shifts of the Phase 1 paper.

Reasoning Ability
Topic Number of Questions
Reasoning Puzzles 35
Machine Input and Output 5
Critical Reasoning 5-10
Alphanumeric Series 3
Syllogism 4-5
Blood Relation 1
Data Sufficiency 3
Coding-Decoding 4
Miscellaneous 1

I have mentioned below the types of puzzles and seating arrangement questions that were asked in this section:

  • Linear Seating Arrangement – 2 Rows
  • Blood Relations based puzzle
  • Tabulation based puzzle
  • Puzzle based on designations
  • 2 Rows that are parallel with 6 people in each row
  • Floor based puzzle
  • Circular Arrangement
  • Car Parking based puzzle

The overall level of this section was between moderate and difficult.

General Awareness

I have mentioned below a few of the questions that were asked to test your memory in the General Awareness section, based on the 2 shifts combined.

  • Author of the book -” My country my life”
  • Who is the google policy head of India?
  • Delimitation has happened in which state recently?
  • Who is the runner-up of pro kabaddi league 2022?
  • Ownership ratio in RRB by state, Centre, & Sponsor banks
  • Questions based on Union Budget 2021
  • Questions on RBI Financial Report
  • Question on PM SVANIDHI

Apart from the questions that I have mentioned above, around 8 to 10 questions were based on Static GK, and in terms of difficulty level, this section was of easy to moderate difficulty.

That brings us to the end of the analysis of phase 1, let’s now analyze the phase 2 paper of the 2022 RBI Grade B exam.

RBI Grade B 2022 Exam Analysis for Phase 2

The RBI Grade B 2022 Phase 2 exam was held on 25th June 2022. The exam followed the usual scheme, i.e., it entailed Paper 1 (ESI), Paper 2 (English Descriptive), and Paper 3 (F&M).

Given below is the pattern of the RBI Grade B Phase 2 Exam :

Paper No. of Questions Time Duration Marks
Paper 1: Economic and Social Issues Objective - 30 Questions 30 minutes 50
Descriptive - 6 Questions (to be attempted - 4) 90 minutes 50
Paper 2: English (Writing Skills) Descriptive - 3 Questions (Precis, RCs, & Essay) 90 minutes 100
Paper 3: Finance and Management
(Objective Type Questions)
Objective - 30 Questions 30 minutes 50
Descriptive - 6 Questions (to be attempted - 4) 90 minutes 50

According to the mandate and general analysis the overall difficulty level of the exam was MODERATE.

Given below is the paper wise difficulty level of the phase 2 exam:

Paper Name of the Paper/Subject Overall Level
Paper 1 Economic and Social Issue Moderate to Difficult
Paper 2 English Writing Skills Easy to Moderate
Paper 3 Finance Management Easy to Moderate

I have given you the general overview of the Phase 2 analysis. Now, it is time to pay heed on each paper of the examination.

Starting with Paper 1.

Economic and Social Issues (ESI) Paper Analysis:

The ESI paper is a 2-part examination, consisting of descriptive and objective sections. The duration of Paper 1 is 2 hours (120 minutes), which is split up in the form of 90+30.

90 minutes to complete the descriptive part (4 out of 6 questions) and 30 minutes are designated for the objective bit (30 Questions).

Following the popular trend, the ESI exam turned out to be a challenging one in the 2022 edition too.

However, upon analysing carefully, it can be concluded that only one source- PIB 24*7 (Video Session Series on my official YouTube channel- Anuj Jindal) – was enough to cover the entire ESI Paper 1.

That was the analysis of the ESI segment.

Now let me present a wider picture of the section by showcasing what questions were asked in the exam.

Descriptive Questions asked in the ESI Paper

15 Markers

  • Despite spread of urbanisation in villages, challenges such as race, caste, gender discrimination still persist. In this context what are the challenges faced by protective discriminatory policy?
  • What is meant by Economic reforms? Economic reforms from 1990s till now
  • Financial stability is essential to any financial institution/business. Discuss in the light of Financial Stability Report of RBI and economic reforms in view of Covid outbreak in India.

10 Markers

  • What are the challenges associated with rural entrepreneurship? How young enterprises can solve these problems?
  • Short note on current Monetary Policy Framework in India.
  • What is NBFC? How it is different from banks? What are the 5 types of NBFCs registered with RBI?

Objective Questions asked in the ESI Paper

  • What was India’s rank and score in the 2020 edition of Human Capital Index of World Bank
  • Number of countries that helped World Bank in preparing Human Capital Index
  • 4 Questions on India-Australia Free Trade Agreement
  • Statement based question on Sovereign Gold Bond Scheme
  • 4 Questions on Smile Scheme
  • Question on UDAN scheme
  • 3 questions on Raisina Dialogue
  • Question about eligible beneficiaries under PM Kisan Maan Dhan Yojana
  • Question about Bhoomi Rashi Portal
  • Question about Matsya Sampada Yojana
  • A young person wants to develop the entrepreneurial skills. So, he goes to NCDC. Under which scheme he should register?
  • 2-3 Questions from PM Aadarsh Gram Yojana

Watch the below video, made by Manish sir, to get the complete narrative of the ESI section of RBI Grade B 2022 Phase 2.

Finance & Management (F&M) Paper Analysis:

Much like the ESI section, Finance and Management paper followed the 2-hour duration pattern, which entails the descriptive (90 Minutes) and objective (30 Minutes) parts.

The descriptive section carries 6 questions (3-15 Markers and 3- 10 Markers), out of which 4 needs to answered (2 out of 3 from 15 markers and 2 out of 3 from 10 Markers). The objective bit consists of 30 questions (10- 1 Markers and 20- 2 markers)

Giving respite to the candidates from the difficult ESI section, the F&M section came out to be easy to moderate in the RBI Grade B Phase 2 2022.

While the aforementioned is the general verdict of the F&M section, but to get a detailed overview, follow the below heads.

Descriptive Questions asked in the FM Paper:

15 marks questions

  • What are the common barriers to communication in an organization? How can these be overcome?
  • Why is change resisted in organization? What can the management do to overcome it?
  • In the current era, where the blockchain is at its peak will it disrupt banking?

10 Marks Questions

  • What are long-term REPO operations?
  • Describe India’s response to the Global Financial Crisis 2008?
  • What is the importance of ethical behavior in society and throw some light on the manager’s role in encouraging ethical behavior in an organization?

Objective Questions asked in the FM Paper

1 Mark Questions

  • Question about identifying 20-digit code
  • Communication flowing from top to bottom is known as?
  • What is the criteria for an enterprise to be classified as a small industry?
  • According to Kurt Lewin, what is the first phase in the process of planned change?
  • According to RBI, what is the FPI limit on corporate bonds?
  • What is the process of blaming one’s unethical behavior on others?
  • Question on Diagonal Communication
  • Question on Payment Structure Development Fund (PIDF)

2 Marks Questions

  • 4 questions on CSR Committee
  • 4 application-based questions on motivation theories
  • 4 questions on Communication topic
  • Question on outsourcing of financial services by NBFCs
  • 2 questions about levels of organizational behaviour

To know the complete formation of the questions, watch the video by Parul ma’am given below.

English Descriptive Paper Analysis:

The English Descriptive paper is attached with the RBI Grade B Phase 2 exam to test the writing, Reading and apprehension prowess of the individual.

This segment is categorized into 3 parts

  • Essay Writing
  • Precis Writing
  • And Reading Comprehension

The 2022 edition of the exam was of Easy to Moderate level.

Questions that came in this section are given below:

Essay

  • Peace cannot be kept by force. It can only be achieved by understanding. Elaborate
  • Role of female entrepreneurs in India
  • Advantages and disadvantages of Renewable energy. How the OSOWOG initiative will help in eliminating these disadvantages
  • India has become a medical destination for the world

Precis Writing

*Watch the video given below to know the question of Precis writing.

Reading Comprehension

5 questions on the topic of Financial Derivatives

Watch the video given below to get detailed analysis of the English Descriptive part. Jump to the 40:00 part of the video to find English Descriptive analysis.

RBI Grade B 2021 Exam Analysis for Phase 1

The RBI Grade B Exam involves 3 stages, Phase 1 or prelims, Phase 2 or Mains, and finally Phase 3 or the interview round.

The 2021 phase 1 exam was held on 6th March 2021.

Given below is the typical breakdown of the Phase 1 Exam:

Sections No. of Questions Marks Duration
General Awareness 80 80 A total time of 120 minutes is given to complete the Phase 1 Paper
Quantitative Aptitude 30 30
English Language 30 30
Reasoning Ability 60 60
Total 200 200

Having said that, it should be noted that the Phase 1 exam was conducted in two shifts. The difficulty level of the 2 shifts is given below:

RBI Grade B 2021 Exam Analysis: Phase 1 (Both Shifts)
Shifts Level of Exam Good Attempts
Shift 1 Moderate to Difficult 100-106
Shift 2 Moderate to Difficult 102-107

After analyzing the papers of both the shifts, it can be said that the overall level of the 2021 Phase 1 exam was moderately difficult as far as the difficulty level goes.

I have mentioned the section-wise RBI Grade B 2021 Phase 1 exam analysis below:

RBI Grade B 2021 Phase 1 Exam Analysis (Section-Wise)
Shifts Subjects Level of Exams Good Attempts
Shift 1 English Language Moderate 23-25
Quantitative Aptitude Moderate 21-22
Reasoning Ability Moderate to Difficult 24-25
General Awareness Moderate 32-34
Shift 2 English Language Moderate 23-24
Quantitative Aptitude Moderate 23-25
Reasoning Ability Moderate to Difficult 29-30
General Awareness Moderate to Difficult 27-28

Now, let’s delve into the detailed exam analysis of the various sections of the RBI Grade B 2021 phase 1 exam.

RBI Grade B 2021 Exam Analysis for Phase 1: Section-wise

I have mentioned below the topics from which questions were asked corresponding to each of the sections of the RBI Grade B 2021 Phase 1 exam.

English Language

In the table that I have mentioned below, you’ll get an idea about the approximate distribution of questions asked pertaining to different topics of the English Language Section in the 2 shifts of the Phase 1 paper:

English Language
Topic Number of Questions
Reading Comprehension 12-16
Sentence Rearrangement 4
Cloze Test 4-5
Error Spotting 4-5
Idioms and Phrases 3

The reading comprehensions were based on:

  • Increasing cases of Tuberculosis and its preventions
  • The role of smartwatches in detecting cardiac arrests

The overall level of this section was moderate.

Quantitative Aptitude

In the table that I have mentioned below, you’ll get an idea about the approximate distribution of questions asked pertaining to different topics of the Quantitative Aptitude Section in the 2 shifts of the Phase 1 paper.

Quantitative Aptitude
Topic Number of Questions
Data Interpretation 10-12
Number Series 5-6
Data Sufficiency 5-6
Quantity Comparison 3-4
Arithmetic Questions 4-5
Quadratic Equations 4-5

The questions that were asked on Data Interpretation were in the Caselets, and pie chart formats.

They were lengthy questions but were doable.

The problems asked for in the arithmetic section were based on Mensuration, Time and Work, Percentage, Age problems, etc.

The overall level of this section was between moderate and difficult.

Reasoning Ability

In the table that I have mentioned below, you’ll get an idea about the approximate distribution of questions asked pertaining to different topics of the Reasoning Ability Section in the 2 shifts of the Phase 1 paper.

Reasoning Ability
Topic Number of Questions
Reasoning Puzzles 25-30
Machine Input and Output 5
Logical Reasoning 5-10
Alphanumeric Series 2-3
Syllogism 2-3
Direction Test 3
Data Sufficiency 2-3
Coding-Decoding 1-3
Miscellaneous 8-10

I have mentioned below the types of puzzles and seating arrangement questions that were asked in this section:

  • Linear Seating Arrangement – 2 Rows
  • Blood Relations based puzzle
  • Tabulation based puzzle
  • Schedule based puzzle
  • 2 Rows that are parallel with 6 people in each row
  • Floor based puzzle
  • Box based puzzle

The overall level of this section was between moderate and difficult.

General Awareness

I have mentioned below a few of the questions that were asked to test your memory in the General Awareness section, based on the 2 shifts combined.

  • First Novel of Amitav Ghosh
  • Question on Indian Innovation Index
  • When is the ‘International Tea Day’ observed?
  • Question on Sukanya Samriddhi Yojana
  • Pradhan Mantri Kushal Yojana
  • When is the ‘Good Governance Day’ observed?
  • Questions based on Union Budget 2021
  • Questions on RBI Financial Report
  • West Indies and Bangladesh Series

Apart from the questions that I have mentioned above, around 8 to 10 questions were based on Static GK, and in terms of difficulty level, this section was of moderate difficulty.

That brings us to the end of the analysis of phase 1, let’s now analyze the phase 2 paper of the 2021 RBI Grade B exam.

RBI Grade B 2021 Exam Analysis for Phase 2

The RBI Grade B 2021 phase 2 exam was held on 1st April 2021 and consisted of 2 shifts. The morning shift comprised of paper 1, namely Economic & Social Issues, and paper 3, namely, Finance and Management.

The afternoon shift comprised of paper 2, namely English Writing Skills.

Given below is the typical breakdown of the RBI Grade B Phase 2 Exam:

Paper No. of Questions Time Duration Marks
Paper 1: Economic and Social Issues Objective - 30 Questions 30 minutes 50
Descriptive - 6 Questions (to be attempted - 4) 90 minutes 50
Paper 2: English (Writing Skills) Descriptive - 3 Questions (Precis, RCs, & Essay) 90 minutes 100
Paper 3: Finance and Management
(Objective Type Questions)
Objective - 30 Questions 30 minutes 50
Descriptive - 6 Questions (to be attempted - 4) 90 minutes 50
Having said that, according to me the overall difficulty level of the exam was MODERATE.

Given below is the paper wise difficulty levels of the phase 2 exam:

Paper Name of the Paper/Subject Overall Level
Paper 3 Finance Management Easy to Moderate
Paper 1 Economic and Social Issue Moderate to Difficult
Paper 2 English Writing Skills Moderate

I have mentioned the section-wise RBI Grade B 2021 phase 2 exam analysis below.

Let’s glance through the Good Attempts for RBI Grade B Phase 2 Objective sections of papers 1 and 3:

Paper Name of the Paper/Subject Good Attempts
Paper 3 Finance Management 13-17
Paper 1 Economic and Social Issue 10-15

Now let’s analyse all the 3 papers, one by one, and in detail.

Economic and Social Issues (ESI) Paper Analysis:

The ESI paper had to be completed within a total time duration of 2 hours. Out of the 2 hours or 120 minutes, 90 minutes were allocated for the descriptive portion of the paper, and the remaining 30 minutes were allocated for the objective portion.

In the descriptive portion, you would have needed to write answers to 4 out of the 6 questions asked in the paper (2 out of 3 – 15 marks questions & 2 out of 3 – 10 marks questions). The word limit for the 15 marks questions was 600, and for the 10 marks questions, it was 400.

The objective portion consisted of 30 questions. 10 Questions of 1 Marks each & 20 Questions of 2 Marks each.

As I have already mentioned above, the overall difficulty level of the ESI paper was moderate to difficult. As far as the difficulty level of the objective and descriptive portions go, the descriptive part was tougher than the objective part.

Descriptive Questions asked in the ESI Paper

15 marks questions (word limit of 600):

  • How have the different aspects of Globalisation evolved since the 2008’s Global Financial Crisis. Analyse its impact.
  • What is meant by the vertical & horizontal allocation of resources to states as per the 15th Finance Commission? How can this objective be achieved?
  • Describe the various Poverty Estimation Method in relation to the following?
      • Per Capita
      • Inflation & Consumption
      • Safety Net Program

10 marks questions (word limit of 400):

  • What is the influence of Demographic Transition on India’s economic growth?
  • What are the 3 measures that are related to the Disinvestment of Strategic Sectors & Non-Strategic sectors in Union Budget 2021-22. Discuss.
      • Rationale
      • Impact
  • Discuss India’s commitment to climate change in light of its socio-economic, health & developmental projects.

Some of the objective questions asked in the ESI paper:

  • Question on PM KISAN Yojana.
  • Question on OECD.
  • India’s GDP is Forecasted by which organization?
  • Odd One Out Based question on Govt Schemes.
  • Labour reforms-based comprehension question. (2 Marks)

Finance & Management (F&M) Paper Analysis:

The FM paper had to be completed within a total time duration of 2 hours. Out of the 2 hours or 120 minutes, 90 minutes were allocated for the descriptive portion of the paper, and the remaining 30 were allocated for the objective portion.

In the descriptive portion, you would have needed to write answers to 4 out of the 6 questions asked in the paper (2 out of 3 – 15 marks questions & 2 out of 3 – 10 marks questions). The word limit for the 15 marks questions was 600, and for the 10 marks questions, it was 400.

The objective portion consisted of 30 questions. 10 Questions of 1 Marks each & 20 Questions of 2 Marks each.

As I have already mentioned above, the overall difficulty level of the FM paper was moderate to difficult. As far as the difficulty level of the objective and descriptive portions go, the descriptive part was tougher than the objective part.

Descriptive Questions asked in the FM Paper:

15 marks questions (word limit of 600):

  • Function on the following Regulatory Bodies: SIDBI, EXIM, NABARD, NHB & RRBs
  • What are Basel Norms & what are the Pillars of Basel 3 Norms.
  • Question on Corporate Governance & its key Principles.

10 marks questions (word limit of 400):

  • What the major/key announcements of Union Budget 2021-22 (5 Announcements)
  • Question on the difference between Transformational and Transactional leadership.
  • Question on Behavioural Reinforcement. Explain Positive & Negative reinforcements.

Some of the objective questions asked in the F&M paper:

  • Question on Government Model for building National Highways for construction of roads in the country. (2 Questions)
  • Question related to Depository.
  • Question on Hybrid Annuity Model.
  • Question on Organisational Behaviour.
  • Question on NPCI.
  • Question on Shares, SEBI & ASBA.

Note: I will update this section as and when I receive more information regarding the above topics.

English Descriptive Paper Analysis:

The English descriptive paper is framed to test your writing skills, expression, and understanding of a topic.

There were 3 questions asked in the paper. The three were:

  • An essay writing question
  • A precis writing question
  • A comprehension

Since the paper was online, candidates had to type the answers via a keyboard.

The overall difficulty level of the English Descriptive paper was moderate.

I have mentioned the questions that were asked in the paper, below:

  • Precis writing question was based on Sand Mining (Related to Urbanisation & Soil Exploitation) – Words Limit of 140
  • Reading Comprehension Question was based on Counter Economy (Black Marketing): In this, there were 5 Questions asked based on the comprehension were of 6 marks each. The word limit for each answer was 50-60.
  • Essay Topics (300 Words) that were asked were:
    • An ounce of prevention is a pound worth of cure.
    • Future of BPO industries in India.
    • Importance of Creative thinking in business.
    • Pros & Cons of teaching Coding/ Computer Language to school Students.

That brings us to the end of the 2021 RBI Grade B exam analysis of both phases.

RBI Grade B 2019 Exam Analysis for Phase 1

In this section, I have given tables through which you can get an idea about the difficulty level of the questions asked in phase 1 of the 2019 RBI Grade B exam.

I have also provided for your benefit, the topics, and subjects that the questions belonged to.

Section No. of MCQs Good Attempts Difficulty Level
General Awareness 80 43-50 Moderate
English Language 30 20-23 Moderate
Quantitative Aptitude 30 17-21 Moderate
Reasoning Ability 60 30-34 Moderate
Total 200 (120 Mins) 120-130 Moderate

RBI Grade B 2019 Exam Analysis for Phase 1: Section-wise

I have mentioned below the topics from which questions were asked corresponding to each of the sections of the RBI Grade B 2019 Phase 1 exam.

General Awareness

Questions Asked
Current Affairs 
Nobel Prize 2019
Static & Banking Awareness
Banking Terms
Greta Thunberg

English Language

Topic No. of Questions Difficulty Level
Reading Comprehension 10 Moderate
Error Detection 5 Easy-Moderate
Cloze Test 6 Easy-Moderate
Sentence Rearrangement 5 Easy-Moderate
Word Swap 4 Easy-Moderate
Total 30 Easy-Moderate

Qunatitative Aptitude

Topic No. of Questions Difficulty Level
Data Interpretation 5 Easy-Moderate
Quantity 1, Quantity 2 4 Moderate
Data Sufficiency  3 Moderate
Missing Number Series 6 Easy-Moderate
Miscellaneous (Time & Work,
Percentage, Boat & Stream, Partnership)
12 Easy-Moderate
Total 30 Easy-Moderate

Reasoning Ability

Topic No. of Questions Difficulty Level
Puzzle & Seating Arrangement:
Day-based, Floor Based, Month-based 
20 Moderate-Difficult
Syllogism 5 Easy-Moderate
Logical Reasoning 8 Easy-Moderate
Logical Reasoning 8 Easy-Moderate
Blood Relation 5 Easy-Moderate
Direction Sense 5 Easy-Moderate
Inequality 5 Moderate
Machine Input-Output 5 Moderate
Coding-Decoding 5 Easy
Alphanumeric 2 Easy
Total 60 Moderate

RBI Grade B 2019 Exam Analysis for Phase 2

Let us quickly go through the constitution of the RBI Grade B phase 2 exam.

Phase 2 is divided into 3 papers, which are Paper 1 or ESI, Paper 2 or F&M, and Paper 3 or English Descriptive.

In this section, I have provided an analysis of all the 3 phase 2 papers so that you can get an idea about the type of questions that are asked in the phase 2 exam.

RBI Grade B 2019 Exam Analysis for Phase 2: Paper 1 (ESI) 

Here I have listed the topics from which questions were asked In the 2019 ESI or the Economics and Social Issues paper:

  • Pradhan Mantri Ujjwala Yojana
  • PM Kisan Samman Nidhi Yojana
  • Ayushman Bharat
  • Initiatives are taken by the HRD ministry
  • Robot Bank launched by which bank?
  • FDI (Advance Question)
  • SDG Index (Health)
  • SDG- Global Green Fund
  • UNCTAD or the UN conference on Trade and Development
  • GDP estimation according to Economic Survey
  • India’s GDP forecast according to IMF
  • MSF/SLR – Definition
  • Amount of sanctioned issued to Maharashtra Government by ADB
  • Loan sanctioned to an Indian State by World Bank
  • Question related to Union Budget (scheme allocation)
  • Funds allocated in MNREGA
  • Amount of Capital Infused by the Union Government in Public Sector Banks

RBI Grade B 2019 Exam Analysis for Phase 2: Paper 2 (F&M)

Here I have listed the questions that were asked in the 2019 F&M (Finance and Management paper):

Finance:

  • FRBM Act
  • Motivation
  • Capital Market
  • A Bond with multiple maturities
  • Managerial Grid
  • ERG Theory
  • 360-degree app
  • Risk Management
  • Commercial Paper

Management:

  • Corporate Governance
  • Communication
  • Leadership Style
  • Motivation Theories
  • Career Path, Development & Management

RBI Grade B 2019 Exam Analysis for Phase 2: Paper 3 (English Descriptive)

Here I have listed the questions that were asked in the 2019 English Descriptive paper:

Reading Comprehension: IMF & It’s Functionality.
Precis: Capital & Current Account Convertibility
Essay Writing: For the essays, these were the topics that were asked.

  • Higher Education
  • Stress among youth
  • NBFC Loan collection issues.
  • Importance of a Vote in Democracy
  • 5G scope in India

That brings us to the end of the 2019 RBI Grade B exam analysis.

Now that you know the type of questions that were asked and their difficulty levels in the 2019 exams, do not make the mistake of assuming that these are the only types that are asked in every exam.

Conclusion

To conclude, I want to say that this article is a very important one as far as RBI Grade B exams go. Everything that I have mentioned in this article would be of immense benefit to you provided you go through it with the utmost sincerity and earnestness.

Having said that, I just want you to know that I have absolute confidence in your ability to crack the RBI Grade B exam, and I wish you all the very best for the preparations that lie ahead.

Have a great day!

CEO of Anujjindal.in

About Anuj Jindal

━━━━━

Anuj Jindal, the founder, is an ex-manager from SBI, with an M.Com from Delhi School of Economics. He also has a JRF in Commerce & Management and NET in HRM, along with more than 5 years of experience in the field of Education.

FAQs: RBI Grade B 2023 Preparation Strategy, Exam Analysis & Cut Off

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    Does the RBI Grade B exam has negative marking?

    Yes, unfortunately, there is 0.25 marks are deducted for every wrong answer. This applies to both the RBI Grade B Prelims, as well as the Mains exams. I know it’s a little disheartening. So, make sure you choose your answers after much deliberation. That way you don’t have to worry about getting negatively marked. 

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    How long does it take to prepare for RBI Grade B? 

    Well, the question that you ask is fairly simple, but the answer to this is pretty complex. You see the time that you’d require to prepare perfectly for the RBI Grade B exam is something that would depend on a lot of things. 

    Things like your education background, meaning if you are from the science, commerce, or humanities streams. Or the fact that you have or have not appeared for other govt. job exams before, and if you are a working professional or not. 

    So, the preparation time varies from candidate to candidate. If you’re still adamant about an answer, I think it’s safe to say that if you starting your preparations from scratch, you’d need 6 months if you are from a commerce background, and 9 if you are from a non-commerce background. 

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    Is there any reserve list Cut Off?

    Yes, there are reserve list cut off marks for most of the reserved categories. I have mentioned the RBI Grade B Cut off 2019 ((DR)-General) – Phase 1 cut-offs and RBI Grade B Cut off 2019 ((DR)-General) – Phase 2 cut-offs in tabular format in the article above. I have also given the same for the year 2018 as well. 

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    I have scored just above the cut-off. What are my chances for final selection? 

    If you have scored just above the Phase cut off, don’t’ worry, Phase 1 is basically an elimination round. The marks obtained by candidates in it are not taken into consideration when the final RBI Grade B exam scorecard is computed. 

    So, that basically means, by scoring above the cut off marks in phase 1 you have just been able to secure yourself a seat in the phase 2 paper, nothing more than that. It’s entirely up to you now to score well in the Phase 2 exam and Interview to place yourself on the final selection list. 

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    Can I prepare for RBI Grade B by practicing mock tests only?

    Well, my friend, if only clearing the RBI Grade B exam were that easy. So, if you are a virtuoso who has covered the entire RBI Grade B syllabus already, has been reading newspapers daily for the current affairs section, and has also gone through all the RBI Grade B past years question papers, then by all means just practicing mock tests would suffice.  

    However, if you are an average Joe like most others, then my answer would be a big “NO”. Just practicing mock tests will not help you. Apart from that, you’d need to cover the entire RBI Grade B syllabus absolutely thoroughly, and also repeatedly practice on as many RBI Grade B past year question papers as you can. You’d also have to check the RBI website for all the updates that the organization releases, and read the newspaper daily for your current affairs preparation. 

    Having said that, if you are too inclined on solving them, you can practice on the Mock Tests that I have created for you. 

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    Which will be the most scoring section in the RBI Grade B Exam 2022? 

    If we are to go by the exam that happened in 2021, the most scoring section in the 2021 RBI Grade B was General Awareness. So, I think in the 2022 RBI Grade B exams too, the General Awareness section would be the most scoring. 

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    In how many shifts will the RBI Grade B Exam 2022 be conducted? 

    There were 2 shifts in the 2021 RBI Grade B exam, so there is a possibility in the 2022 RBI Grade B exam too that it will have the same number of shifts. But this information will be known for certain only after the 2022 notification is released. 

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