RBI Grade B Interview Questions 2026 – Real Transcripts from Selected Officers
These are the actual questions asked in the RBI Grade B 2026 interviews of 8 officers who prepared with MockMentor, as each of them shared after their interview.
Rahul Rana's RBI Grade B 2026 interview
AIR 4 · Interview score: 58/75
MockMentor programme: RBI Grade B Super Elite 2026 + Paid Interview Guidance Program 2026
Interview on 9th Oct, 2026 Chennai
I was 10th to go in the day. Total candidates for the day were 13.
There were 6 panelists. Two female and 4 male including chairman.
F1 – F2 – M1 – Chairman – M3 – M4
Chiar started with- How are you? How was your lunch?
Chairman: Tell us about your branch.
I: Told about the salt production, fishing and agriculture as the primary activities in the branch area.
Chairman: You told about the economics of the branch area. Tell us about the business of your branch.
I: Told about the exact business of the branch with numbers for deposits and loans.
Chairman asked 1st madam (F1) to ask question
F1: What do you understand by internationalisation of the rupee?
I: answered
F1: What are the benfits and risk of internationalisation of rupee?
I: Told about the benefits only.
M1 told to tell about the risks also.
I: The first thing coming in my mind that time was exchange rate risk. But hesitated to answer and told that I am not able to think.
F1: What kind of books do you read?
I: read Self-help books and gave the reason
F1: Don’t you read fiction?
I: told that I don’t read fiction
F1: What is your opinion on loan waive-off?
I: Told that i consider announcement of loan waive off (which will actually happen in future) as more dangerous. Gave examples of education and agri loans to explain my logic.
F1: But agricultural loan waive-offs affect NIM of the bank?
I: agreed with her. Then told that it is our social responsibility to support farmers as a public sector banker. We love when farmers pay the loan, but considering farmers’ distress I think they should be supported when they could not pay.
F2: How do you see financial stability of a bank?
I: answered about various metrics including CAR, LCR, GNPA, etc
F2: How does this affect the financial stability of the system as a whole? (framed very differently)
I: could not understand this question. I gave some answer. Madam was not convinced but she also knew she did not frame the question properly as she struggled to speak hindi fluently. So she stopped asking after this. (My analysis of the question after the interview- she was asking about systemic risk- when one bank fails how it affects other banks)
M4: What is due diligence?
I: answered in technical terms
M4: If you are doing proper due diligence then why mule accounts are rising?
I: answered that due diligence while opening account cannot ensure legitimate transaction in the account in all future, so we do transaction monitoring.
M4: How do we identify and detect mule accounts?
I: told the use of AI. Then explained the rationale of suspicious transaction with examples.
M4: What has RBI done in this?
I: told about Mulehunter.AI
M4: What are the risks associated with AI in the banking?
I: answered about concentration risk and data accuracy risks.
M4: Can banks freeze accounts?
I: told yes but mentioned order from cyber crime departments as well.
M4: Do banks freeze account or mark lien?
I: told sorry sir, banks mark lien on the specific concerned amount. Gave reference of supreme court order also.
M3- the most grilling member in the panel?
M3: You told your branch has more loans than deposits? How is your branch doing this?
I: answered high CD ratio has been maintained as funds are provided from the head office.
M3: What is this process called?
I: I was thinking until he himself told “is this called transfer pricing”? I told yes (I was not sure on this)
M3: For what reason IOB went into PCA? How it came out of PCA?
I: answered very high NPAs led to inclusion in PCA.
M3: What are the other reasons?
I: told that there are 3-4 reasons. I have read them but not able to remember at present.
M3: explain the data accuracy risk you mentioned?
I: told the data on which AI model is trained decides its effectiveness.
M3: How will AI model calculate Probability of Default (PD)?
I: answered- past history.
M3: We calculate PD, and then we keep capital aside? What is this process called?
I: This is called Expected Credit Loss framework.
M3: What is expected credit loss framework?
I: answered in technical terms and compared it with incurred loss framework.
M3: ECL is x*y*z. What are x, y and z?
I: answered
M3: How you compare two banks?
I: told about the different perspectives of an investor and a regulator. Answered metrics such as RoA, RoE, CAR, liquidity and solvency ratios.
M3: What is CAR?
I: answered technical definition.
M3: When there is CAR then why do we need LR?
I: told the difference in their calculation which is risk-weight dependency.
M3: What difference arises on using risk weight in calculation?
I: told that risk weight calculation can be wrong. Risk weight accuracy depends on the data used for assessment. So we need to keep capital aside irrespective of the risk weights.
M3: But RBI provides risk weights to banks. Then what is the issue?
I: told that RBI provides freedom to calculate PD, EAD and LGD under Advanced Internal Rating based approach in credit risk. (He was very impressed. I think he was not expecting that I would be able to answer this question).
M3: If RBI has increased Repo rate? How will it affect bond yields?
I: explained the mechanism.
M3: And how will this affect profitability of banks?
I: Told about the unrealized losses because of MTM valuation of existing govt securities.
Chairman makes an entry now.
Chair: What is market risk?
I: answered technical definition.
Chair: What is Interest Rate Parity?
I: answered
Chiar: How does rates decide flow of capital?
I: explained the mechanism of carry trade.
M3 Intervenes- He is not over and still wants to grill.
M3: What is the present US bond yield now? Is it 7.2% (misleading me)
I: No sir, Indian gov sec offers 7.2% bond yield now.
M3: What is the number for US bond Yield?
I: answered 5.2% (He had a big smile on listening this which made me thought that I had answered wrongly) - I checked later and found it was correct.
Chair: So why can’t a foreign investor borrow $100 million from US and invest it in India to gain 2%? This is easy profit?
I: Investors look for risk-adjusted returns and not simply returns.
Chair: What are the risks involved?
I: answered crude oil led imported inflation risks, increasing fiscal debt risk.
Chair: What are the other risks?
M3- “Aap main point to bata hi nhi rahe ho”
I: answered currecy depreciation risk.
M3- “yahi to pooch rahe the”.
Chair: What is yield to maturity?
I: gave the technical definition.
Chair: What is the formula for YTM?
I: started answering - Annual coupon …….. Chairman interrupts.
Chair- “kaha se padha ye investopedia se… chat gpt se?”
I: Don’t remember now where i read it.
Chair- “ finance ki textbooks mei aisa koi formula nhi hota hai”?
Chair: What is Discounted cash flow and its formula?
I: first told that I don’t know it in depth. Then answered the technical definition and gave the formula also.
Sachin Rai's RBI Grade B 2026 interview
AIR 5 · Interview score: 38/75
MockMentor programme: RBI Grade B Super Elite 2026 + Paid Interview Guidance Program 2026
Question 1: May we have your introduction?
Question 2: A brief discussion on Re-kyc campaign.
Question 3: What initiatives has the Reserve Bank taken to address financial frauds?
Question 4: How can the Reserve Bank stay ahead of fraudsters?
Question 5: What measure has TRAI introduced to help identify calls from banks and other
regulated entities?
Question 6: How might fraudsters circumvent this measure?
My response: I was initially unable to recall the specific numbering series. I recalled it after a
hint from the panel.
However, I was unable to provide a satisfactory answer to the follow-up question on how
fraudsters might circumvent the measure.
Question 7: How has financial inclusion evolved in India?
Question 8: What are the major challenges faced by Jharkhand?
Question 9: How do the CNT and SPT Acts affect access to institutional credit?
Question 10: Has the State Government taken any steps to address these issues?
Question 11: What explains the cyber-fraud problem associated with Jamtara, and what has
helped reduce it?
Question 12: What is the Credit–Deposit Ratio of Jharkhand? The panel referred to the ratio
having been in the 30s earlier.
Question 13: What is the leverage ratio?
Question 14: What is the Liquidity Coverage Ratio, and how is it calculated?
Question 15: If a bank receives Rs 100 crore in CASA deposits, would this affect the
numerator or denominator of the LCR?
Question 16: If banks are already subject to LCR, CRR and the leverage ratio, why is a
separate Statutory Liquidity Ratio required?
Question 17: What is Net Interest Margin?
Question 18: What is the Time Value of Money?
Question 19: What is a bond yield curve? Could you draw it?
Question 20: What is double deflation? What does the double-deflation method help us
estimate?
Question 21: There was a detailed discussion on FCNR(B) deposits and the swap facility.
The panel helped me work through the concept using an example. After I responded to the
example, the panel said, “Good.”
Question 22: What is the approximate size of the Indian economy?
Question 23: Give us your assessment: how long would it take for the Indian economy to
double? Panel cross-checked in follow up regarding rule of 72.
Then the interview finally concluded….
Prakhar Tiwari's RBI Grade B 2026 interview
AIR 8 · Interview score: 51/75
MockMentor programme: RBI Grade B Super Elite 2026 + Paid Interview Guidance Program 2026
Date: 25th September 2026 | Location: New Delhi | Reporting Time: 08:00 AM
Duration: ~30 minutes (First candidate to appear for the day)
Panel Members: 5-6 members (including one female member)
As I entered the room, I greeted the panel members.
They asked for my introduction, then ma'am asked about likely SMA (mentioned in my biodata). Then, they cross-questioned about likely SMA / SMA / NPA. Out of 5-6 questions asked, I was able to answer 3-4. They were not very satisfied and asked me to read about the topic in more detail, especially the usage of AI in detection of NPA and SMA.
Then, I was asked about Fair Lending Practices Circular by RBI and answered all the questions satisfactorily. Under fair lending practices, they asked questions like what unfair practices are being practiced by banks, whether cross-selling is the only major point of unfair practices, and what steps have been taken by RBI. They asked me the difference between Annual Percentage Rate and Interest Rate, and were satisfied with all my answers.
Then, one member asked me about the functions of RBI. I quoted the preamble, but he said I missed some major points. Then, Chairman Sir added some points like banker to the banks, banker to the government. Then, they asked me the follow-up question: Which two functions of RBI contradict with one another? I couldn't answer, they kept pushing me to think. I managed to answer that the functions are: banker to the government and monetary policy but couldn't justify why. They were disappointed, then told me the answer: As a banker to the government, it's the duty of RBI to keep the yields of government bonds low (so it's cheaper for the government to borrow), but this contradicts with monetary policy as a hike in repo rate to control inflation often results in higher yields.
Then Sir asked me how SBI is different from other public sector banks. I mentioned the number of branches, customer base but they were not interested. They wanted to know on what parameters SBI is different, as in ratios such as CRAR, LCR, RoA, RoE, etc. I mentioned D-SIB, and Chairman Sir added how SBI manages most of the treasury, RoA, RoE, etc.
Then our discussion shifted to deposit mobilisation. Chairman Sir asked what steps have been taken to mobilize CASA deposits? I told about camps, visits to schools, etc. Then he asked about LCR (I fumbled on the formula), what types of CASA deposits are not covered under LCR? If you have to focus on one — LCR or CASA, which would you choose and why? I answered satisfactorily, except the CASA not part of LCR question.
Then Sir asked me about CRAR and different types of capital. He then asked about the Subhash Chandra Case. I managed to answer most questions, but fumbled in the end. But they were satisfied.
Then Chairman Sir asked about the time value of money. I couldn't answer even though I read it. He then explained and our discussion shifted to compound interest. He asked, "If 100 Rs. are deposited at 10% rate of interest, when would they double?" I couldn't answer as I was under a lot of pressure. He then joked, "Compound Interest nahi padha kya pre mein? Kaise banking kar rahe ho? Customer nahi puchte ye sab?"
Eventually Chairman Sir asked me the current numbers for GDP. I quoted the latest number accurately with the growth rate and the interview was over. It lasted around 30 minutes I think.
Read Prakhar Tiwari's feedback
Divyanshu Verma's RBI Grade B 2026 interview
AIR 10 · Interview score: 52/75
MockMentor programme: RBI Grade B Super Elite 2026 + Paid Interview Guidance Program 2026
Dated: 24.09.2026, Divyanshu Verma
Profile:
a.Age – 28 years, 4th attempt, 2nd mains, 1st interview.
b.91% in 10th and 12th, Category - UR.
c.Civil Engineering Graduate – 2020.
d.Cleared SBI PO (2023), Joined 2024. Presently, assistant manager at SME branch.
e.KPMG intern for 4 months in 2020. Resigned in March 2020.
f.Gap Years from 2020 till 2024.
g.Certifications:
a.JAIIB – IIBF
b.Monetary Policy Analysis and Forecasting – IMF
Interview in Delhi, 3rd Day – 24th September 2026, Time – 30 mins.
I was the last candidate for the day.
There were 5 panelists. One lady, and four male members including the chairman sir in the following pattern:
Lady panelist (M1) ---(M2) ---Chairman---(M4) ----(M5)
As soon as I entered the room, I was greeted with a smile by the board, and I reciprocated by greeting each member individually. The chairman asked me to take the seat, and we started.
Ch: “Divyanshu, how are you feeling? You must be anxious, considering you’re the last candidate for the day.”
Me: (maintaining a warm smile) No, sir. It’s alright. The wait was long, but it’s better now.
Ch: “Divyanshu, the journey from the waiting hall to this seat is the hardest, I know. But, why did it take you four years to reach this seat? We do not ask such difficult questions in the prelims. What went wrong for you in the previous attempts? And what did you do right this year?”
Me: Sir, I cleared the prelims of 2022. That was my first attempt, and I missed my interview call then by 5-6 marks. And my profile is not that of an economic graduate, so it took me a while to learn about the concepts and terminology related to economy and finance. Also, I could not practice answer writing adequately. In my second and third attempt, I missed the cut-off 0.25 or 0.5 marks. I prepared for the difficulty of CAT, but the questions were more oriented towards speed. I did not practice this properly and missed my chances. This year I worked on my weaknesses and prepared based on the difficulty of this exam.
Over to M1: the Lady panelist
M1: Hi, Divyanshu. So, you have worked on Digital banking, and promotion of e-rupee. Why do you think people are not using e-rupee as much as the RBI would like?
Me: Ma,am, the primary issue is the difficulty in convincing consumers. People are comfortable with UPI, and its interoperability is very convenient. Given the adoption of UPI, people don’t want to use another application. We try to convince them and help them understand that it is the same as paper currency, but people think it is a hassle.
M1: (follow Up) Okay, do you use e-rupee? When was the last time you used e-rupee?
Me: Ma’am, I had to do it a few days back since we had our targets for e-rupee transaction. And we get our allowance on e-rupee, so I have to use it regularly.
(The board members had a laugh here, and everyone was chuckling about this response. I was laughing as well, because it helped ease the tension of the room.)
From here on, the interview was exclusively technical.
M1: Divyanshu, as we can see you’ve done a certification on monetary policy, can you tell me the channels of monetary policy transmission?
Me: Credit channel, Asset price channel, Interest rate channel, Expectation channel, and Aggregate demand channel (I think this was incorrect, the answer should be Exchange Rate).
M1: What channel is the most important for India?
Me: Interest rate channel, since India is an EMDE.
M1: What is the lag in monetary policy transmission in India?
Me: In India, it is 2-3 quarters.
Over to M5.
M5: What do you understand by Re-KYC?
Me: Answered
M5: Why is Re-KYC needed?
Me: Answered
M5: What happens when a customer does not do his Re-KYC for over a year when it is due?
Me: closure of account
M5: and what is someone happens after that?
Me: Couldn’t answer this. Then he went on to say about DEAF accounts. I got confused because an account after closure cannot be marked as DEAF. But, this is the direction where he was trying to take the interview.
M5: Okay, as per your certification, can you tell me how the change in rates of policy repo will impact financial inclusion?
Me: Answered. Credit disbursal costlier, banks strain on cheap CASA. Also, all MSME and retail loan now EBLR linked. Therefore, rate hike or fall will impact EMIs and available income.
M5: What about those who are financially included?
Me: Answered. Since, rate hike would also mean increase in deposit rates for banks. Banks will have to offer more on term deposits so people can park more money safely.
M5: therefore, can it be said that those who are financially included are more responsive to the changes in Repo?
Me: Yes, sir. I’ll agree here.
Over To M4. (The strictest panel member)
M4: Divyanshu, you have a certification on monetary policy analysis and forecasting. Assume that you are the Governor of RBI. Make a decision whether to cut the rate, keep it constant, or decrease it. Give me the rationale for your decision.
Me: Answered. US rate Hike, Supply shocks passing through to the aggregate demand and price. Inflation data inching up to 4.82%. Extended fluctuation in energy price on the higher side. 25 bps rate hike in Oct.
M4: and, what should be the stance?
Me: (got confused a little here) Withdrawal of accommodation. (the answer should be calibrated tightening)
M4: Do you know what’s the maximum rate cut that RBI has done?
Me: Sir, I am not completely sure but in the previous FY the largest cut was by 50 bps. (here, M4 and Chairman questioned me simultaneously)
Chairman: “RBI Homeopathic dawai ke jaisa rate change kyu karta hai yaar? Ek hi sath pura dose de de.”
M4: Yes, exactly. Why does RBI change the rates so slowly?
Me: Answered. (Essentially, I explained Brainard’s Principle of Attenuation wherein the central bank should change the rate less than what it would do under normal circumstances, if its not sure about the upcoming shocks). Also, policy transmission lag, and every bps flushes and absorbs a great amount of liquidity from the system.
M4: What happens to the bond yield on rate hike?
Me: Increased.
M4: Why?
Me: Sir, can I explain the process here?
(He said please, of course, And I explained all the details about movement of bond yields based on coupon rates, issuance of new higher coupon bonds, and the relationship with price.)
M4: Do you know how the market adjusts the prices?
Me: Yes sir, Gave the formula for Present Value of Bond based on coupon rates and current rate.
M4: Do you know anything about sustainable finance?
Me: Yes, sir.
M4: Do you know what green washing is?
Me: answered. (explained in detail)
M4: RBI issues Sovereign Green Bonds for the Govt. Do you have any idea about the governing guidelines and framework issued by the Ministry for the same?
Me: I’ll have to read on this. I am not aware of this framework right now.
Over to M2 (the chill guy of the room)
M2: Divyanshu, what is the influence on rate hike of the Bonds of RBI?
Me: Answered
M2: and what is its influence on the balance sheet of SBI?
Me: Answered
M2: Where to G-secs lie in the balance sheet? Asset or liabilities?
Me: Assets.
M2: is interest income part of balance sheet or P/L Statement?
Me: Answered although got confused due to the framing of the question. It was asked a little vaguely.
M2: Impact on rate hike on NIM of SBI
Me: Answered.
Over to Chairman again.
Ch: Divyanshu, can you tell me about FCNR-B scheme?
Me: Answered.
Ch: What will be the impact on our currency due to inflow?
Me: Answered
Ch: Is RBI bearing the interest component also?
Me: No. Only the Principal and Currency Hedge cost.
Ch: Okay, Divyanshu answer this. The interest rate differential between US 10 year and GoI 10 yr bonds is 200 bps. And we have seen foreign outflows due to increase in US rates. Why is that so?
Me: I tried to explain about dollar being the gilt-edged asset which sets the standard for countries across the world. Carries zero risk.
Ch and M4 (both): yes, but why would FIIs leave the economy?
Me: Because of Uncovered interest rate parity. (I took a deep breath here, thought for 20 seconds and gave the keyword which would explain everything)
M4: Explain uncovered interest rate partiy
Me: answered
Ch: Explain the mechanism
(Here, M2 interrupted the chairman and said “Arey Sahi bol raha hai. Rehene dijiye ab.” He looked over to M4 and they decided to end the interview after a nod from everyone on the panel.)
Personal Review:
I think the interview went well. I maintained a composed and calm demeanor and did not rush to answer everything. After every question, I tried to absorb and listen to what the panel was trying to ask and framed each answer within a 5-10 second window. Everyone was polite, and looking back at it, I feel I was being grilled albeit very politely. The panel made sure follow up questions to almost all the initial questions asked to assess the depth of my understanding,
Every member of the board interacted, and no one was looking at their phones or appeared disinterested. (Also, I maintained my eye contact throughout to make sure I was addressing the members no matter who asked the question.)
Read Divyanshu Verma's feedback
Abhigyan Shekhar's RBI Grade B 2026 interview
AIR 12 · Interview score: 44/75
MockMentor programme: RBI Grade B Super Elite 2026 + Paid Interview Guidance Program 2026
30th September 2026
5 Members, 3M (including Chairman sir), 2F
Accidently said good morning instead of good afternoon.
Chairman sir smiled and corrected that it's already noon.
C:
-Tell us about yourself
-Why couldn't you make it last time ?
-Questioned my decision of leaving SBI (asked if my parents supported me in this decision)
-Have you heard of law of diminishing returns What is it ?
F1:
-CBDC, purpose, implications on currency management
-Will cash still stay relevant ?
-Can we launch a denomination of CBDC without launching it in cash ?
-Shall we offer interest on CBDC ?
-There is a country that's doing it. Do you know which ? And why ?
-Is it right to provide interest on CBDC ?
-What is CTS ?
-Why do we need CTS when RTGS is there ?
M1:
-Why leverage ratio was introduced ?
-NEER, REER, what is it ? Purpose ?
-Discounting of currency ? (He himself said okay you might not know this, I just smiled and said yes sir I don't)
-FCNR deposits ? Was RBI right to introduce this ?
-Why did RBI have to introduce it ?
-What benefits had RBI provided to attract more FCNR deposits ?
-Whats this hedging cost that RBI is covering ? (Lots of cross questioning)
-If RBI allows rupee to fall, what will be the implications on RBI balance sheet and economy ?
F2:
-KYC, CKYC difference
-Why CKYC exists ?
-Why not much success with CKYC ? Are banks not doing it ?
M2: (He made a remark that it seems like you have done a lot of research on forex, Honestly was a relief to hear that; I told I've tried my best sir)
-What are the things that RBI looks for while supervising banks ?
-Why do we look at capital adequacy ?
-What if a bank has a CRAR of 50% ? What does it tell us ?
C: 30 trillion$ economy by when ?
-Inflation rates in India, US, Europe ?
-Inflation rate difference impact on exchange rate ?
-Why does this happen ?
-What level of rupee shall we target ?
-To what level shall RBI allow the rupee to fall ?
After this Chairman sir said Thank you!
Keywords picked from biodata: KYC, CKYC, CBDC (did certification), CTS, RTGS
-Most questions were on forex, M1 and Chairman sir asked me a lot of questions on this topic
-No questions from certifications on Financial Inclusion, AI
-No questions on 2 years analytics experience
Read Abhigyan Shekhar's feedback
Adarsh Kumar's RBI Grade B 2026 interview
AIR 16 · Interview score: 44/75
MockMentor programme: RBI Grade B Super Elite 2026 + Paid Interview Guidance Program 2026
Adarsh Kumar 22 Sept 2026 New Delhi
Interview duration: About 20 Minutes
There were six panel members in the board 4 Male and 2 Female
Chairmen
1. Introduce yourself
F1
1. What do you mean by MIS and what its use.
2. You have done a certificate course in financial inclusion tell me whether we are improving or not as per the FI-Index, its components and which sub-component is facing issue.
M1
1. What is Insurance penetration and where we stand right now.
2. Bifurcation of life and non-life insurance penetration.
3. Measures to improve the insurance penetration in India.
4. What is solvency ratio and how it is calculated
5. Does India will termed as safe heaven if RBI increase the repo rate
6. Whether We are on the on track to achieve insurance for all by 2047
7. Recent governor speech on Fintech should use customer date as fiduciary responsibility what do you understand about governor sir speech.
8. Impact of AI on banking system.
F2
1. Difference between Bank and insurance balance sheet
2. What are the strengths of NIACL
3. What are the challenges of NIACL and who are its competitors
4. What are other indicators we look for checking the strength of insurance company other than solvency ratio.
5. Why RBI
M2
1. What does you mean by Monetary policy
2. Impact of monetary policy
3. Why the US is known as the safe heaven
4. Measures India can take to avoid FPI outflow which can be triggered by Fed rate hike
Shantanu Khule's RBI Grade B 2026 interview
AIR 25 · Interview score: 49/75
MockMentor programme: RBI Grade B Super Elite 2026 + Paid Interview Guidance Program 2026
Location-Mumbai
Total Members in the panel-5
Duration- 25 minutes
Chairman Sir
Introduce yourself.
What went wrong in the last attempt?
Which specific question you were unable to answer.
M1
What is the difference between balance sheet of RBI & NABARD
What are the key components of RBIs balance sheet?
What are the key components of NABARD’s balance sheet?
What is NABARD’s profit, and how is it generated?
What are the major components of its profit and loss account?
Can the assets of the Issue Department earn interest?
Which specific components are held on the asset side of the Issue Department?
Does the RBI earn interest on its gold reserves?
Does the RBI carry Sovereign Gold Bonds (SGBs) on its balance sheet?
M2
What is the shareholding pattern of Regional Rural Banks (RRBs)?
What is the objective and status of the amalgamation of RRBs?
What is the difference between Gross NPA (GNPA) and Net NPA (NNPA)?
Which of the two (GNPA or NNPA) should we focus on, and why?
NABARD acts as the regulator of which institutions?
What measures can be taken to improve the supervision of RRBs & RCBs?
M3
What are your views on customer service in the banking sector?
Why is customer service often substandard in banks?
What key factors contribute to poor customer service?
What is yield curve inversion?
What does a yield inversion signify?
What is bond yield?
How is bond yield calculated?
What is discounted cash flow model?
What is the Capital to Risk-Weighted Assets Ratio (CRAR)?
What are the different types of risk covered under CRAR?
What are the key components of CRAR?
What is an Additional Tier 1 (AT-1) bond?
What was the past controversy regarding YES Bank's AT-1 bonds?
Why would AT-1 bonds be written off prior to equity capital?
What was the Credit Suisse banking crisis?
Did the Credit Suisse crisis have any impact on or relation to India?
Which banks were involved in the Credit Suisse crisis?
M4
What impact does a RBI repo rate hike have on foreign exchange reserves?
What is the difference between the US benchmark bond yield and the Indian government bond yield?
Explain the concept the interest rate differential.
Read Shantanu Khule's feedback
Abhik Das's RBI Grade B 2026 interview
AIR 38 · Interview score: 32/75
MockMentor programme: RBI Grade B Super Elite 2026 + Paid Interview Guidance Program 2026
Name- Abhik Das
Office Attendant, RBI Kolkata
Worked in Issue Department and CEPC kolkata
Entered and greeted the room
Chairman
When did you join?
What department were you working in ?
What is risk management
What is Risk
How do we manage risks?
(I fumbled here. Said provisions. He said diversification)
What did you do in the profile that says that you've managed risks with respect to the interview?
(said about certifications in managing the interview)
(He might not like it I think)
Waved to lady member
She was CGM of Kolkata Office when I was posted there at CEPC And previously interacted with her and was posted in her secretariat as well
I dont think she remembered me
Lady member
What is CEPD
Works of CEPD
IGR vs AGR
RBI‘s thought process
Any Changes in CEPD in last one year ( said about new ombudsman scheme amendment)
New ombudsman scheme vs old ombudsman scheme
(said about NBFCs that were excluded)
Ma‘am waved
M1 member
You said about Ombudsman
How many ombudsman offices are there?
(i confused and said cepc offices Lady member corrected)
What is Central Board?
How is it important?
How many members?
Since some new members joined, how many seats remained?
(couldn't answer this)
waived to M2
M2 member
Did you listen to the recent FM speech regarding how the economy should be run?
(I denied)
How would you change some things to get better GDP growth?
Vikshit Bharat by ?
Average GDP growth?
What is the size of our GDP?
(I said in rupees)
In USD?
(I fumbled)
Use the pad kept at the side of yours and calculate
(Somehow I said around 4 Trillion USD)
Then he started pushing, are you sure? Any problem you're facing in calculation?
Chairman intervened
You know about Archimedes? Any principle?
Sandcounting story?
(he was kinda giving me hints to roughly say it but i didn't get it)
M2 continued
Should large NBFCs be given banking license?
(Gave IWG recommendation )
Cross question?
(I said conflict of interest)
He was giving hints to fulfill the answer
(Fortunately I got it and finished)
If India grows around 7% when do we get our vikshir bharat status?
What is GDP target for it?
Calculate using pen how much GDP will we reach if we grow by 7%pa
Waived to M3
M3 member started
Any conflict of interest in RBI?
(told about RBI owning 55% of SBI till 2007)
Chairman wasn't expecting that
He kinda clapped with nodding
Any more examples?
(I said about RBI‘s investments getting affected by Monetary Policy rate hikes/cut)
He wasn't very convinced
Explain your POV
Chairman said Okay you may leave