Shantanu Khule · AIR 25
Selected · RBI Grade B (DR) General 2026
MockMentor programme: RBI Grade B Super Elite 2026 + Paid Interview Guidance Program 2026
Marks
- Interview: 49 / 75
Shantanu Khule's feedback
I sincerely thank Mockmentor for their invaluable contribution to my success.
The Mockmentor Telegram group was an indispensable resource throughout my preparation, offering free highlighted PIB PDFs, RBI/SEBI circulars, reports and curated newspaper clippings.
For Phase 2, the course's descriptive questions were exceptionally well-aligned with the exam pattern, and the three Full-Length Tests (FLTs) effectively simulated real exam conditions.
In the final stage, Rahul Sir’s personalized interview guidance and customized, biodata-based questionnaire gave me clarity and confidence.
I once again extend my heartfelt gratitude to Rahul Sir and the entire Mockmentor team!
RBI Grade B interview transcript
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.