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.
Internal Credit Rating Model in Banks: Scorecards, Grades and Validation
Every bank sanctioning a term loan or a working capital limit above a threshold runs the borrower through an internal credit ratin...
SARFAESI Section 13(2) Notice: Drafting, Timelines and Common Defects
A wrongly drafted SARFAESI section 13(2) notice can undo months of recovery effort in one DRT hearing. For CAIIB candidates and wo...
Discounted Cash Flow Valuation of a Business: FCFF, WACC and Terminal Value
Every CAIIB candidate preparing Advanced Business and Financial Management eventually meets the same exam favourite: discounted ca...
Interest Rate Risk in the Banking Book (IRRBB): EVE, NII and RBI Norms
Every bank's balance sheet is a bundle of assets and liabilities that reprice or mature at different points in time, and when mark...
Correlation and Regression in Banking Data: ABM Numericals Made Simple
Every bank generates oceans of numbers — loan disbursals, NPA levels, customer footfalls, digital transactions — and t...
Flexible Inflation Targeting Framework: How RBI Sets the 4% Target
Every CAIIB candidate preparing the Central Banking Elective must master the flexible inflation targeting framework that has ancho...
Stress Testing in Banks: Scenario Design, Reverse Stress Tests and RBI Norms
Stress testing in banks is the discipline that tells a lender whether it can survive a severe but plausible shock — a sharp GDP co...
Core Banking Solution Architecture: How a CBS Actually Works
Every modern retail and corporate banking service — from an ATM withdrawal in Chennai to a UPI transfer initiated in Guwahat...
Succession Planning in Banks: Building the Next Leadership Bench
Every bank eventually loses a key leader — to retirement, resignation, or a sudden exit — and the ones that keep running smoothly...
Kisan Credit Card Scheme: Limits, Interest Subvention and Renewal Rules
The kisan credit card scheme remains one of the most heavily tested topics in CAIIB Rural Banking, and September 2026 is an especi...
National Pension System Tier 1 and Tier 2 for Retail Customers: Tier I vs Tier II Explained
Ask any JAIIB aspirant to explain the difference between the two pension accounts a customer can open under PFRDA's flagship schem...
Depreciation Methods in Bank Accounting: SLM, WDV and Component Approach
Every fixed asset a bank owns — branch premises, ATMs, server racks, vehicles — loses value with use and time, and get...