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Comprehensive, verified blueprint for RBI Grade B (Direct Recruit). Phase-I 200-mark screening scheme, Phase-II 300-mark objective & descriptive keyboard formats, ESI & FM modules, and revised 2026 salary scale (₹78,450 basic, ₹1,54,900+ gross).
Fast Facts
RBI Grade B Examination
Cadre
Grade 'B' (DR) Officer
Selection Mode
Phase-I → Phase-II → Interview
Total Merit Base
Phase-II (300M) + Interview (75M)
Starting Basic Pay
₹78,450 (Gross ₹1,54,900+)
Merit Notice: Phase-I marks are for screening only. Final selection is determined strictly on aggregate marks from Phase-II (300 Marks) and the Interview (75 Marks).
Officers in Grade 'B' are recruited directly by the Reserve Bank of India Services Board to form the managerial backbone of India's apex monetary and financial regulatory institution.
Officers in Grade 'B' (Direct Recruit - DR) — General, DEPR, and DSIM Streams
Reserve Bank of India Services Board (RBISB), Mumbai
opportunities.rbi.org.in & rbi.org.in
Group 'A' Central Banking Officer Cadre
Phase-I Online Screening → Phase-II Mains (Objective + Descriptive) → Phase-III Interview
2 Years probation extendable up to 4 years, posted at RBI Central Office or Regional Branches
Maximum 6 attempts for General/EWS candidates in Phase-I; no limit for SC/ST/OBC/PwBD
A single online test comprising 200 objective questions across 4 disciplines with strict individual sectional timings.
| S.No. | Name of Test | No. of Questions | Maximum Marks | Allocated Duration | Medium of Examination |
|---|---|---|---|---|---|
| 1 | General Awareness | 80 | 80 | 25 minutes | Bilingual (English & Hindi) |
| 2 | Reasoning Ability | 60 | 60 | 45 minutes | Bilingual (English & Hindi) |
| 3 | English Language | 30 | 30 | 25 minutes | English |
| 4 | Quantitative Aptitude | 30 | 30 | 25 minutes | Bilingual (English & Hindi) |
| Total Composite Composite Scheme | 200 Questions | 200 Marks | 120 minutes (2 Hours with strict sectional timings) | Sectional Timings Enforced | |
80
80
60
60
30
30
30
30
Total: 200 Questions • 200 Marks • 120 Minutes
Sectional timing enforced for each test. Negative marking 0.25.
Phase-II for General Cadre consists of three 100-mark papers combining objective multiple-choice and computer keyboard typed descriptive questions.
50% Objective (30 mins) + 50% Descriptive (90 mins)
100% Descriptive keyboard typing (Essay, Précis, Reading Comprehension)
50% Objective (30 mins) + 50% Descriptive (90 mins)
Specialized cadre focused on macroeconomic modeling, monetary policy analysis, and financial stability studies.
Specialized cadre handling statistical analysis, financial data modeling, probability theory, and survey data management.
In-depth curriculum mapping for Phase-I General Awareness, Phase-II Economic & Social Issues (ESI), and Finance & Management (FM).
Statutory eligibility criteria notified by the Reserve Bank of India Services Board for General and Specialist streams.
21 to 30 years as of the notification cut-off date (relaxation up to 33 years for OBC, 35 years for SC/ST, and up to 34 years for M.Phil / Ph.D holders).
Minimum 60% marks (50% for SC/ST/PwBD) in Bachelor's Degree in any discipline OR 55% in Post-Graduation from a recognized University.
DEPR: Master's Degree in Economics/Econometrics/Finance. DSIM: Master's Degree in Statistics/Mathematical Economics/Data Science with a minimum of 55% aggregate marks.
6 attempts in Phase-I Examination for Unreserved / General candidates. No restriction on attempts for SC/ST/OBC/PwBD candidates.
Citizen of India, subject of Nepal/Bhutan, or Tibetan refugee settled before 1 January 1962.
6 Attempts Rule for General Candidates: If an Unreserved/General category candidate appears in the Phase-I examination, it is counted as an official attempt. Candidates who have exhausted 6 attempts in Phase-I are not eligible to apply.
Engineering & Technical Graduates: Any graduate with 60% aggregate (including B.E./B.Tech/MCA) is fully eligible for RBI Grade B (General). You will compete alongside all other graduates in the standard Generalist syllabus (ESI, FM, and English).
Relaxation Provisions: Upper age limit is relaxed by 3 years for OBC, 5 years for SC/ST, and 10 years for PwBD candidates.
RBI Grade B Officers receive central banking compensation with extensive perks, leased accommodation in metropolitan centers, and exceptional long-term stability.
Officer in Grade 'B' (Direct Recruit - DR)
₹78,450 per month
Quarterly revised central banking DA as per CPI cost-of-living index
Special Allowance, Grade Allowance, and Local Compensatory Allowance as per RBI rules
Approximately ₹1,54,936 per month (without leased accommodation)
₹1,10,000 to ₹1,15,000+ per month (post mandatory deductions)
Official RBI residential quarters OR leased accommodation reimbursement up to ₹70,000+/month in Tier 1 cities
150–200L Petrol allowance/month, Book grant, Briefcase allowance, Medical OPD & hospitalization, Sodexo meal coupons, LFC travel once in 2 years
Estimated Monthly In-Hand Salary:
Post-tax & NPS deduction: ₹1,10,000 – ₹1,15,000+
The final merit list is prepared on a 375-mark scale comprising Phase-II Mains (300 Marks) and the Board Interview (75 Marks).
200 objective questions (200 marks, 120 minutes) across GA, Reasoning, English, and Quant with sectional timers. Screening stage.
3 papers: Paper I (ESI), Paper II (English Writing), Paper III (FM) for General Cadre (100 marks each, 50% objective + 50% descriptive typing). Decides interview call.
Conducted prior to the interview. No marks allocated, but findings serve as an input to the Interview Board.
75-mark panel interview. Final merit list is formulated out of 375 marks (Phase-II 300 marks + Interview 75 marks).
Complete coverage of Phase-I (GA, Reasoning, English, Quant) and Phase-II (ESI, English Descriptive, Finance & Management) with authentic CBT simulators.
| Syllabus coverage | Complete coverage of Phase-I (GA, Reasoning, English, Quant) and Phase-II (ESI, English Writing Skills, Finance & Management). |
|---|---|
| Full CBT Mock Tests | Simulated Phase-I (200 Qs / 120 mins) and Phase-II (ESI & FM Objective + Descriptive typing simulators) matching exact IBPS-RBI interface. |
| Monthly GA & Banking Compendiums | Curated monthly current affairs, RBI monthly bulletins, economic survey briefs, and union budget formula summaries. |
| Descriptive Writing Practice | Keyboard typing simulator for ESI & FM descriptive answers and English essays with model solutions. |
| Digital Banking & Fintech in FM | Specialized coverage of payments architecture, CBDC, account aggregators, and RBI circulars in the FM paper. |
| Previous Year Questions & Analysis | Solved Phase-I and Phase-II descriptive questions from past RBI Grade B recruitment cycles. |
| Question quality | Strictly calibrated to the conceptual and analytical depth of actual RBI exams — zero generic filler. |
| Validity | 1 year unrestricted access with all live updates, test series, and PDF editions included. |
| Device access | Seamless web, tablet & mobile responsive CBT test interface with real-time analytics. |
| Doubt support | Dedicated discussion thread and faculty answers for every question. |
Handwritten revision summaries, Economic Survey briefs, and Phase-II model answers in the library.
TVK+ All-Access Pass
₹4,900₹4,999
The RBI Grade B course is included inside TVK+ All-Access. You get unrestricted access to every mock test series, the full PDF study library, solved PYQ collections, and CBT simulators for every banking and regulatory exam on the platform.
Verified answers to the most common queries regarding RBI Grade B recruitment, attempts limit, and pattern.
Candidates must possess a minimum of 60% marks (50% for SC/ST/PwBD) in Bachelor's Degree in any discipline from a recognized University, OR a minimum of 55% marks (pass marks for SC/ST/PwBD) in Post-Graduation.
Candidates belonging to the Unreserved / General category are permitted a maximum of SIX (6) attempts in the Phase-I examination. There is no restriction on the number of attempts for candidates belonging to SC, ST, OBC, or PwBD categories.
No. Phase-I is strictly an online screening / qualifying test. Marks obtained in Phase-I are only used for shortlisting candidates for Phase-II. The final merit list is prepared strictly based on the aggregate marks scored in Phase-II (300 Marks) and the Interview (75 Marks), totaling 375 Marks.
The starting basic pay is ₹78,450 per month. With Dearness Allowance, Grade Allowance, Special Allowance, and local allowances, the gross monthly emoluments reach approximately ₹1,54,936 per month. After mandatory deductions (NPS, income tax), the in-hand salary is approximately ₹1,10,000–₹1,15,000+ per month, supplemented by extensive bank quarters/leased housing allowance (up to ₹70,000+ in Mumbai/Tier 1).
Yes. Phase-I has individual sectional timings: General Awareness (25 minutes, 80 questions), Reasoning Ability (45 minutes, 60 questions), English Language (25 minutes, 30 questions), and Quantitative Aptitude (25 minutes, 30 questions), totaling 120 minutes.
Phase-II descriptive answers for ESI, FM, and English Writing Skills must be typed on a computer keyboard. For objective questions, candidates select answers via mouse click; for descriptive sections, candidates type their answers into a designated text box within the allotted time.
Yes! Any graduate with 60% aggregate (including B.E./B.Tech/MCA) is fully eligible for RBI Grade B (General). You will compete alongside all other graduates in the standard Generalist syllabus (ESI, FM, and English).
All figures, syllabi, sectional timings, and compensation mandates displayed on this page are strictly extracted and cross-referenced from these public authoritative documents:
Reserve Bank of India Services Board (RBISB)
Official notifications, vacancy advertisements, online application window, and Phase-I/II results.
Reserve Bank of India Central Office, Mumbai
Monthly bulletins, monetary policy announcements, annual reports, and regulatory circulars.
Examination Authority & IBPS Assessment Portal
Official candidate handouts detailing sample questions, keyboard instructions, and Phase-II descriptive typing guidelines.
Human Resource Management Department (HRMD), RBI
Statutory pay scales, allowances, leased accommodation policies, and leave travel concessions for Grade 'B' officers.
Sectional Phase-I speed tests, ESI & FM descriptive typing practice, and comprehensive banking compendiums calibrated to the RBI benchmark.
Official Verification Provenance
• Official RBI Services Board recruitment notifications and Information Handouts published on opportunities.rbi.org.in.
• Reserve Bank of India Staff Regulations and HRMD officer wage circulars.
• Monetary Policy Committee (MPC) and banking directives published on rbi.org.in.
All figures, syllabi, sectional timings, pay scales, and eligibility mandates displayed on this page are strictly extracted and cross-referenced from public authoritative regulatory documents published by the Reserve Bank of India.
Last verified against official documents: 2026-09-29