Banking exam prep blog
Fresh articles on syllabus changes, RBI policy moves, and high-yield revision tactics — written for working bankers who study after office hours.
Prepayment Charges on Loans: RBI 2025 Directions for BCP Exam
From 1 January 2026, prepayment charges on loans stopped being a matter of each lender's own board policy. The Reserve Bank of Ind...
IIBF ITF: transferable letter of credit rules under UCP 600
A transferable letter of credit is the instrument that lets a trading house or middleman exporter pass on all or part of an export...
The RBI principal business criteria for NBFCs: 50-50 Test Guide
Every NBFC question in an IIBF paper eventually comes back to one gateway rule: the principal business criteria for NBFCs, better...
RBI rules on the net open position limit in bank treasury
Every bank that deals in foreign exchange ends the day with some residual currency exposure, and the net open position limit is th...
Securitisation by Small Finance Banks: MRR, MHP and Rules
Securitisation by small finance banks has quietly become one of the most important balance-sheet tools in the sector, because an S...
Solvency Margin for Insurers: IRDAI Norms, RSM and ASM Explained
Every insurance company in India must hold assets that exceed its liabilities by a legally fixed cushion, and the solvency margin...
Post-Quantum Readiness in Banks: Crypto Agility for IT Security
Every encrypted file a bank stores today has a shelf life, and quantum computing is the clock ticking against it. That is why post...
National Electronic Toll Collection: FASTag Rules for Bankers
National electronic toll collection is the NPCI-operated system that turns a sticker on a windscreen into a live bank debit at hig...
IIBF TIRM: short selling in government securities explained 2026
For a bank treasury, short selling in government securities is the cleanest way to take a bearish view on interest rates without t...
SWIFT Payment Fraud Controls: RBI Rules Every Banker Must Know
Cross-border money leaves an Indian bank through one narrow messaging rail, and that is exactly why SWIFT payment fraud controls n...
KYC AML: cross border wire transfer rules explained for 2026
Money laundering rarely stays inside one country, which is why the cross border wire transfer rules sit at the heart of India's AM...
Moral Hazard in Banking: Meaning, Examples and RBI Safeguards
Moral hazard in banking is the risk that a bank, its promoters or its staff take larger risks than they otherwise would because so...