Prakhar Tiwari · AIR 8
Selected · RBI Grade B (DR) General 2026
MockMentor programme: RBI Grade B Super Elite 2026 + Paid Interview Guidance Program 2026
Marks
- Interview: 51 / 75
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Prakhar Tiwari's feedback
Prakhar Tiwari
Sir, I have been connected with Mockmentor since last year. In my attempt of RBI Grade B 2025, I relied on multiple sources and Mockmentor was one of them. However, I unfortunately couldn't crack the prelims exam. After analyzing the prelims scorecard, I came to know that I couldn't succeed because my sectional cutoff in GA was not clear. After that, I changed my strategy for GA. Instead of reading from multiple sources, I stuck to only Mockmentor for GA. I continued to read, re-read and revise the magazines and newspaper provided by Mockmentor in their main channel and paid course. This strategy helped me to achieve 55.5 marks in GA in Phase 1.
For Phase 2, I relied on Mockmentor's answer writing course. I tried to include the data and information from magazines, newspaper clippings and reports provided in the course. The answer writing review helped me to focus on my deficiencies and improved my answer writing skills a lot. The government schemes, Phase-2 exclusive reports and Budget & Economic Survey Summary helped me a lot in Objective portion of the examination.
The Interview Programme was the ultimate goldmine. The profile-specific questionnaire helped me answer some questions, that I would have been otherwise not able to answer. Highlighted Speeches, newspaper clippings, static PDFs all helped me to increase my knowledge base. All this ultimately played a crucial role in my final selection.
Thank you once again Rahul Sir, and entire Mockmentor team for being so helpful, kind and knowledgeable. Your continuous guidance played a key role in my final selection. I am eternally grateful to you.
RBI Grade B interview transcript
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.