RBI Grade B Interview Transcripts, Know RBI Interview Questions

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Published on 13 January 2026 by

The RBI Grade B Interview is the final stage of the selection process, and only those candidates who have successfully cleared Phase 2 are eligible to appear. This round assesses a candidate’s overall knowledge, communication skills, and suitability for the role. In this article, we have collected authentic interview experiences and real transcripts shared by previous RBI Grade B candidates. These insights provide a clear idea of the types of questions asked by the interview panel. Along with this, we have also included practical tips and strategies to help aspirants prepare effectively and confidently for their RBI Grade B interview.

What makes the RBI Grade B interview 2026 so important?

The Reserve Bank of India (RBI) is one of the most important financial institutions in the country, and securing the position of an Officer here is considered highly prestigious. Every year, lakhs of candidates apply, but only a few successfully clear the rigorous selection process. The RBI Grade B Interview is the final stage, where candidates are evaluated not just for their technical knowledge but also for communication skills, decision-making ability, and overall suitability for the role. Below, we present authentic RBI Grade B interview transcripts shared by past candidates to give you a clear idea of what to expect and how to prepare.

RBI Grade B Interview Transcripts

The RBI Grade B Interview tests not just your knowledge of finance and economics, but also your thinking, communication, and problem-solving skills. To help aspirants prepare, we’ve shared real interview questions asked to previous candidates, covering technical topics, current affairs, and personal or profile-based queries.

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Candidate No. 1

Q. 1. You have great academic results, you appeared in the RBI exam before also, but couldn’t make it through. Why? Did you find it difficult? 

Q. 2. Which subject do you think you did very well in the Phase II exam?

Q. 3. What are the future challenges for people in management taking into account industrial revolution 4.0 and emerging technology?

Q. 4. What is big data?

Q. 5. How financial inclusion can be improved?

Q. 6. Digital payments- how can we attract new users? The interviewer told me that the current increase in payments is more due to increased use by existing users.

Q. 7. What is K-shaped recovery?

Q. 8. Which sectors of the economy recovered well after the Covid pandemic?

Q. 9. Can you explain the status of digital payments in Sweden? (profile-based question) 

Q. 10. Throw light on the economic situation in Bihar? What can be the way forward?

Q. 11. What are account aggregators?

Q. 12. What are some of the challenges faced by Fintechs?

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Candidate No. 2

Q. 1. Who is the regulator of cryptocurrency in India? Is it legal in India or not?

Q. 2. What is the difference between the balance sheets of banks and that of other companies?

Q. 3. What are REER and NEER?

Q. 4. How do match your skills and qualifications to departments here in RBI? How will you add value here when you join as a Grade B officer?

Q. 5. The bid rate and ask rate are two rates quoted in forex. How are they different?

Candidate No. 3

Q. 1. Why do you want to join the RBI? 

Q. 2. Why didn’t you join an NGO if you want to contribute to society?

Q. 3. What other exams did you try for? Why not public sector banking? 

Q. 4. What are the qualities of a leader? 

Q. 5. What is the capital of a bank? Does it belong to the assets or liabilities and also tell us the reason? 

Q. 6. RBI is proposing to find if the ATMs of any bank are not able to dispense cash? Do you think it’s right? How do you view this from the bank’s perspective? 

Q. 7. How does a bank assess the creditworthiness of a borrower for dispersing loans? Especially when the borrower does not have a savings account in that specific bank?

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Candidate No. 4

Q. 1. I was asked why I left my company TCS. I was asked about Civil Services Exam (CSE) and why I wanted to join RBI?

Q.2. Why did you not try to get into PSBs or continue working with TCS for contributing to nation-building? 

Q. 3. What will you bring to the RBI? 

Q. 4.  What does policy-making mean?

Q. 5. Tell me about Swami Vivekananda and his famous speech? How and where did he die? (prizes won).

Q. 6. How did you prepare for the RBI Grade B exam?

Q. 7. What have you read on the RBI website?

Q. 8. How many attempts have you given for Civil Services Exam (CSE), the progress,  optional, and whether you have applied for Civil Services Exam (CSE) this year?

Q. 9. What is priority sector lending? What is the need for it? 

Q. 10. Tell us about the impact of Covid-19 on economic growth and inflation since March 2020.

Q. 11. What about the farm laws impact on the state of Andhra Pradesh? (farmer background)

Q. 12. What other states can learn from the farm practices of Andhra Pradesh?

Candidate No. 5

Q. 1.  I was asked a few questions about the course that I pursued in my Graduation. Also, a few questions about my university were asked. 

Q. 2. What does your father do?

Q. 3. Why you didn’t go for Post Graduation?

Q. 4. Why are you so fond of mathematics subject?

Q. 5. Something like does solving problems only through mathematical formulas work or do we need to consider human emotion too?

Q. 6. What are the other exams that you are preparing for?

Q. 7. So you are a debater! What’s easier for you: agreement with the topic given or disagreement? 

Q. 8. Tell me any topic you faced as a debater that was very difficult.

Q. 9. Tell me about different banks in India.

Q. 10. One issue or risk associated with Banks in India.

Q. 11. What are the mechanisms to resolve of NPAs?

Q. 12. Why is there a need for a National Asset Reconstruction company (NARC) when they already have Asset Reconstruction Companies (ARCs)? 

Q. 13. How can we reap the full potential of our youth?

Q. 14.  What role of RBI attracts you the most?

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What are the RBI Grade B Interview questions and how to prepare for them?

The personal interview is the final stage of the RBI Grade B selection process and evaluates three key aspects of a candidate: confidence, knowledge, and personality. Candidates must work on all three to perform well. Unlike Phase I and II exams, there is no fixed syllabus for the interview, which makes it one of the most challenging stages.

#1 Knowledge about RBI

It reflects poorly on you if you go to an interview without knowing the details about the company. Visit RBI’s website and read about the history, corporate structure and other updates related to the Reserve Bank of India. Make sure you take extensive notes.

Here’s a list of common RBI Interview Questions related to RBI as an Organization that you can expect during your RBI Grade B Interview:

  1. Basic Functionality of RBI
    What are the key functions of the Reserve Bank of India (RBI)?
    How does RBI regulate the banking system in India?
    What role does RBI play in controlling inflation in India?
    Explain RBI’s role in managing India’s monetary policy.
  2. RBI’s Structure and Governance
    Who is the current Governor of the RBI? What are their major contributions?
    How is the RBI governed, and who appoints its officials?
    Can you describe the composition of the RBI’s Monetary Policy Committee (MPC)?
  3. RBI’s Role in India’s Economy
    How does RBI contribute to India’s economic growth?
    What is RBI’s role in maintaining the stability of the financial system in India?
    Explain the RBI’s role in managing foreign exchange reserves.
  4. RBI’s Regulatory Powers
    How does RBI regulate and supervise commercial banks in India?
    What is the role of RBI in the supervision of non-banking financial companies (NBFCs)?
    What steps does RBI take to ensure the financial inclusion of unbanked sectors?
  5. RBI’s Operations and Policy Tools
    What are the main tools used by RBI to control inflation and regulate the economy?
    Can you explain the concept of the repo rate, reverse repo rate, and cash reserve ratio (CRR)?
    How does RBI influence interest rates in the banking system?

#2 Knowledge of finance and economics

Being an RBI Grade B Officer requires you to have an in-depth knowledge of the current trends in finance and any economic change that India and the world may have experienced in recent times. Newspapers are the best sources for information of such kind. Follow at least 2-3 newspapers and focus on the business and finance sections.

Here’s a list of common RBI Interview Questions related to Knowledge of finance and economics that you can expect during your RBI Grade B Interview:

  1. RBI’s Role During Financial Crises
    How did the RBI respond to the global financial crisis of 2008?
    What measures did RBI take during the COVID-19 pandemic to stabilize the economy?
  2. RBI’s Role in Currency Management
    What role does the RBI play in issuing and managing currency in India?
    Can you explain the process of currency circulation in India?
  3. RBI’s Role in Government’s Financial Policies
    How does RBI collaborate with the Indian Government in managing the national debt?
    What is the relationship between RBI and the Ministry of Finance in India?
  4. Financial Inclusion and Banking Accessibility
    What initiatives has RBI taken to promote financial inclusion in India?
    Can you explain the concept of Jan Dhan Yojana and its impact on banking?
  5. RBI and Banking Reforms
    How does RBI address issues related to bad loans or NPAs in the banking sector?
    What steps has RBI taken to improve the digitalization of banks in India?
Explore the RBI Grade b Online Courses

#3 Your current job and biodata

The interviewers will ask you about your current job (if you have one) and why you want to leave that job for a position at the RBI. Be honest with your answer and do not try to fool them, as they can spot a lie easily. Lastly, ensure that you are well aware of all the aspects presented in your biodata. Questions regarding the same are bound to come up during the interview and you need to answer these questions honestly.

These questions aim to understand your background, personality, motivation, and suitability for a career in RBI. The panel seeks to know who you are beyond academics and how genuinely you are inclined toward public service.

Example Questions:

  • Tell us about yourself.
  • What does your name signify?
  • Why do you want to join the Reserve Bank of India?
  • What are your 5–10 year career goals?
  • Why didn’t you pursue a private-sector job?

Tip / How to Answer:
Be honest, confident, and concise. Focus on your interest in public service, financial regulation, and RBI’s mission. Highlight your education, work experience, and personal traits relevant to the role.

Also Check: RBI Grade B Interview Tips

If a candidate manages to clear both the Phase I and Phase II examinations, they need to clear just one more obstacle before they can become an RBI Grade B Officer. The personal interview is the last round and is one of the most difficult aspects of the selection. This is due to the total lack of a syllabus.