The RBI Grade B Phase 2 Exam 2026 is scheduled to be held on 25th July 2026, giving aspirants limited time to prepare for the most crucial stage of the selection process. Unlike Phase 1, the Phase 2 examination requires a deeper understanding of Economic & Social Issues (ESI), Finance & Management (FM), and English Writing Skills, along with strong answer-writing and analytical abilities. Since the marks obtained in Phase 2 are considered for the final merit list, a structured and disciplined preparation strategy is essential.
To help you prepare in a better and more organized way, we have shared a simple and practical 30-day RBI Grade B Phase 2 Study Plan in this blog. This study plan will help you complete the syllabus step by step, strengthen your concepts, improve practice, and boost your confidence to clear the RBI Grade B Exam in your first attempt.
What should be your next 30-day study plan for the RBI Grade B Phase 2 exam?
With the RBI Grade B Phase 2 Exam approaching, your focus should now shift from learning new concepts to completing the syllabus, strengthening core topics, and improving answer-writing skills. Divide your preparation equally between Economic & Social Issues (ESI) and Finance & Management (FM) while dedicating at least an hour daily to English Writing Skills. Make time every day for current affairs, descriptive answer writing, and MCQ practice.
| Day | ESI + Finance & Management (FM) | English + Practice & Revision |
|---|
| Day 1 | ESI: National Income, GDP, GNP, NNP, Per Capita Income, Growth vs Development. FM: Financial System – Structure of Financial Institutions, Functions of RBI. | Essay: Role of RBI in Economic Stability. Practice 30 ESI MCQs + 25 FM MCQs. Read current banking news. |
| Day 2 | ESI: Poverty, Unemployment, Employment Generation, Human Development Index. FM: Banking Structure – Commercial Banks, Cooperative Banks, SFBs, Payments Banks. | Precis Writing Practice. Solve 30 ESI MCQs + 25 FM MCQs. |
| Day 3 | ESI: Sustainable Development, SDGs, Environmental Issues, Climate Change. FM: NABARD, SIDBI, EXIM Bank, NHB, NaBFID. | Reading Comprehension. Write one descriptive answer each for ESI & FM. |
| Day 4 | ESI: Economic History of India, LPG Reforms, Industrial Policy. FM: Financial Markets – Money Market, Capital Market, Bond Market, Forex Market. | Essay: Digital Economy in India. Practice objective questions. |
| Day 5 | ESI: Monetary Policy & Fiscal Policy. FM: Treasury Bills, Bonds, Commercial Paper, Certificate of Deposit. | Precis Writing. Revise Days 1–4. |
| Day 6 | ESI: Economic Survey & Union Budget. FM: Financial Inclusion, Digital Payments, UPI, CBDC. | Reading Comprehension. 50 mixed MCQs. |
| Day 7 | Revision: Complete revision of Week 1 topics (ESI & FM). | Mini Mock (ESI + FM) and one essay. Analyze mistakes. |
| Day 8 | ESI: Money & Financial Markets. FM: Financial Risk Management – Risk Types & Mitigation. | Essay: Financial Inclusion in India. Practice descriptive answers. |
| Day 9 | ESI: Role of Banks & RBI. FM: Basics of Derivatives – Futures, Options, Swaps. | Reading Comprehension + 40 MCQs. |
| Day 10 | ESI: Public Finance, Taxation, Fiscal Deficit. FM: Global Financial Markets & International Banking. | Precis Writing. Revise previous topics. |
| Day 11 | ESI: Political Economy & Industrial Development. FM: Corporate Governance in Banking. | Essay: Corporate Governance. Practice descriptive questions. |
| Day 12 | ESI: Agriculture Sector. FM: Public-Private Partnership (PPP), Alternate Sources of Finance. | Reading Comprehension + MCQs. |
| Day 13 | ESI: Services Sector. FM: Accounting Basics – Balance Sheet, Profit & Loss, Cash Flow Statement. | Precis Writing + 2 descriptive answers. |
| Day 14 | Revision: Complete Week 2 revision. | Full-length Sectional Mock (ESI & FM) + Essay. |
| Day 15 | ESI: Liberalisation of Indian Economy. FM: Ratio Analysis – ROA, ROE, Debt-Equity, Inventory Turnover. | Essay: India's Growth Story. Practice MCQs. |
| Day 16 | ESI: Balance of Payments, Exchange Rate. FM: Inflation – Causes, Effects, Monetary & Fiscal Measures. | Reading Comprehension + Precis. |
| Day 17 | ESI: Export-Import Policy. FM: Introduction to Management, Evolution of Management Thought. | Descriptive Practice (2 Questions). |
| Day 18 | ESI: IMF, World Bank. FM: Management Functions & Managerial Roles, Nudge Theory. | Essay: Global Financial Stability. |
| Day 19 | ESI: WTO & Regional Economic Cooperation. FM: Organizational Behaviour, Personality, Big Five Model. | Reading Comprehension + MCQs. |
| Day 20 | ESI: International Economic Issues. FM: Motivation Theories & Reinforcement. | Precis Writing + Revision. |
| Day 21 | Revision: Global Economy + Financial System Revision. | Full-length Mock (ESI & FM). Analyze mistakes. |
| Day 22 | ESI: Multiculturalism & Demographic Trends. FM: Leadership Theories & Emotional Intelligence. | Essay: India's Demographic Dividend. |
| Day 23 | ESI: Urbanization & Migration. FM: Transactional Analysis & Johari Window. | Reading Comprehension + Descriptive Practice. |
| Day 24 | ESI: Gender Issues. FM: Conflict Management & Organizational Change (Lewin Model). | Precis Writing + MCQs. |
| Day 25 | ESI: Social Justice. FM: Ethics – Meaning, Ethical Theories, Ethical Principles. | Essay: Ethics in Banking. |
| Day 26 | FM: Moral Issues in Business, Code of Ethics, Corporate Governance, Role of Board of Directors, Communication. ESI: Revision of Social Structure topics. | Reading Comprehension + Descriptive Practice. |
| Day 27 | Complete Revision: ESI High-Weightage Topics + FM High-Weightage Topics. | English Practice Test (Essay, Precis & RC). |
| Day 28 | Full-Length Phase 2 Mock Test 1 (ESI + English + FM). | Analyze errors and revise weak topics. |
| Day 29 | Full-Length Phase 2 Mock Test 2 (ESI + English + FM). | Review descriptive answers, improve answer presentation and time management. |
| Day 30 | Final revision of Economic Survey, Union Budget, RBI reports, Banking Current Affairs, Financial Institutions, Management & Ethics. Revise important formulas, definitions and concepts. | Write one essay, one precis and one descriptive answer each from ESI & FM. Revise short notes, avoid learning new topics, and prepare for the exam with confidence. |
Attempt RBI Grade B Previous Year Papers
How to follow this 30-day RBI Grade B Phase 2 study plan?
Before you begin the day-wise study plan, follow these preparation guidelines to make your study sessions more effective:
- Study for 7–8 hours every day: Maintain a consistent study routine and divide your time efficiently across all three papers. If you are a working professional, adjust your schedule accordingly but ensure regular daily preparation.
- Give equal time to ESI and FM: Allocate 2.5–3 hours each to Economic & Social Issues (ESI) and Finance & Management (FM) every day. Focus on understanding concepts, revising important topics, and practicing both objective and descriptive questions.
- Practice English Writing Skills daily: Spend 45–60 minutes every day practicing Essay Writing, Precis Writing, and Reading Comprehension. Regular writing practice will improve your speed, vocabulary, and answer presentation.
- Revise current affairs consistently: Read and revise banking, financial, economic, and RBI-related current affairs every day. Pay special attention to the Economic Survey, Union Budget, RBI reports, government schemes, and recent policy developments.
- Practice both objective and descriptive questions: Solve 30–50 MCQs daily from ESI and FM and write at least one or two descriptive answers to improve conceptual clarity and answer-writing skills.
- Take mock tests regularly: Attempt sectional mock tests after completing each week's topics to evaluate your preparation. In the final week, shift your focus to full-length Phase 2 mock tests to improve speed, accuracy, and time management.
- Review your performance after every mock: Analyze every mock test carefully, identify weak areas, revise the related topics, and avoid repeating the same mistakes in the next test. Consistent analysis is as important as taking the mock itself.
Attempt RBI Grade B Mock Test
RBI Grade B Phase 1 Study Plan
Your RBI Grade B 2026 study plan should be well-structured, focused, and consistent to cover the complete syllabus within limited time. Start by understanding the exam pattern and divide your preparation into Daily Current Affairs, Quantitative Aptitude, Reasoning, English, and General Awareness. Give extra time to weak areas while regularly revising strong topics to maintain balance. Practice mock tests frequently to improve speed, accuracy, and exam confidence. Most importantly, follow a fixed timetable and stay consistent with daily revision and practice to maximize your score.
Week 1: Build the basics of phase 1 and phase 2
The 1st week of RBI Grade B preparation should focus on building a strong base in subjects like Quantitative Aptitude, Reasoning, English Language, General Awareness, Economic & Social Issues (ESI), and Finance & Management (FM). During this week, candidates should understand the basic concepts of the Indian Economy, Financial System, banking awareness, and important terms related to the Reserve Bank of India. A clear understanding of these topics will help candidates prepare better for the advanced topics covered in the later stages of the RBI Grade B Exam preparation.
| Day | Phase 1 Preparation | Phase 2 Preparation (ESI + FM + Descriptive English) |
|---|
| Day 1 | Quant: Number System (25 Questions), Simplification & Approximation (30 Questions)
Reasoning: Inequality (20 Questions), Coding-Decoding (20 Questions)
English: Reading Comprehension – 2 Passages
GA: 50 Current Affairs MCQs | ESI: Introduction to Economics, Micro vs Macro Economics, Growth vs Development
FM: Introduction to Financial System, Structure of Indian Financial System |
| Day 2 | Quant: Number Series (30 Questions)
Reasoning: Syllogism (30 Questions)
English: Cloze Test – 5 Sets
GA: Banking Awareness – 50 MCQs | ESI: Features of Indian Economy, Structural Characteristics of Indian Economy
FM: RBI Functions & Role in the Economy |
| Day 3 | Quant: Percentage (40 Questions)
Reasoning: Blood Relations (25 Questions)
English: Vocabulary Practice – 50 Words
GA: Economy Current Affairs – 50 MCQs | ESI: Economic Development, Human Development Index, Sustainable Development Goals
FM: Monetary Policy, Repo Rate, Reverse Repo, CRR & SLR |
| Day 4 | Quant: Ratio & Proportion (40 Questions)
Reasoning: Direction Sense (25 Questions)
English: Error Detection – 40 Questions
GA: Government Schemes Revision | ESI: Poverty & Unemployment in India
FM: Indian Banking System – Commercial Banks & Cooperative Banks |
| Day 5 | Quant: Profit & Loss (40 Questions)
Reasoning: Linear Seating Arrangement – 15 Sets
English: Sentence Improvement – 40 Questions
GA: RBI Circulars & Updates | ESI: Inflation – CPI, WPI, Demand Pull & Cost Push Inflation
FM: Financial Markets – Money Market & Capital Market |
| Day 6 | Quant: Simple Interest & Compound Interest (40 Questions)
Reasoning: Circular Seating Arrangement – 15 Sets
English: Para Jumbles – 30 Questions
GA: Static Banking Awareness | ESI: National Income – GDP, GNP, NNP, NDP Concepts
FM: Financial Instruments – Bonds, Shares & Debentures |
| Day 7 | Quant: Average & Ages (40 Questions)
Reasoning: Puzzle Practice – 10 Sets
English: Reading Comprehension – 3 Passages
GA: Weekly Current Affairs Revision | ESI: Methods of Calculating National Income
FM: Primary Market vs Secondary Market
Descriptive English: Essay Writing Basics |
Week 2: Strengthen arithmetic, puzzles, and financial concepts
In the second week, candidates should improve speed and accuracy in Arithmetic and Reasoning topics while covering important ESI and FM concepts like Fiscal Policy, Budget, Agriculture, and Banking Regulations. This week is important for understanding how the Indian financial system works along with improving problem-solving ability for the RBI Grade B Phase 1 exam.
| Day | Phase 1 Preparation | Phase 2 Preparation (ESI + FM + Descriptive English) |
|---|
| Day 8 | Quant: Partnership (35 Questions)
Reasoning: Floor-Based Puzzle – 10 Sets
English: Cloze Test – 5 Sets
GA: Banking Current Affairs | ESI: Fiscal Policy – Taxation & Government Spending
FM: Financial Regulators – SEBI, NABARD, SIDBI, IRDAI |
| Day 9 | Quant: Time & Work (40 Questions)
Reasoning: Box Puzzle – 10 Sets
English: Error Detection – 40 Questions
GA: Reports & Indices | ESI: Budget, Fiscal Deficit & Revenue Deficit
FM: Mutual Funds – Types & Features |
| Day 10 | Quant: Pipes & Cisterns (35 Questions)
Reasoning: Scheduling Puzzle – 10 Sets
English: Sentence Rearrangement – 30 Questions
GA: Important Committees | ESI: Monetary Policy Committee & Inflation Targeting
FM: Insurance – Life & General Insurance Basics |
| Day 11 | Quant: Time-Speed-Distance (40 Questions)
Reasoning: Input-Output – 20 Questions
English: Fillers – 30 Questions
GA: Financial Awareness | ESI: Agriculture Sector in India & Agricultural Reforms
FM: Basel Norms & Risk Management |
| Day 12 | Quant: Boats & Streams (35 Questions)
Reasoning: Data Sufficiency – 30 Questions
English: Phrase Replacement – 30 Questions
GA: Budget & Economic Survey | ESI: Industrial Sector & MSMEs
FM: NPAs & PCA Framework |
| Day 13 | Quant: Mixture & Allegation (35 Questions)
Reasoning: Logical Reasoning – 25 Questions
English: Match the Column – 25 Questions
GA: Current Affairs Quiz | ESI: Service Sector & Gig Economy
FM: Financial Inclusion & Priority Sector Lending |
| Day 14 | Quant: Arithmetic Revision – 100 Questions
Reasoning: Puzzle Revision – 15 Sets
English: Grammar Revision – 50 Questions
GA: Weekly Revision | ESI: Revision of Growth, Inflation & Fiscal Policy
FM: Revision of Banking & Financial Markets
Descriptive English: Essay Practice |
Download RBI Grade B 2024 AIR 1 Handwritten Notes
Week 3: Focus on data interpretation and economic issues
The 3rd week mainly focuses on Data Interpretation, advanced Reasoning topics, and important social and economic issues in India. Candidates should also start revising previous topics regularly and improve answer-writing skills for Descriptive English. Topics related to Financial Technology, Digital Banking, and Economic Reforms are very important for the RBI Grade B Phase 2 examination.
| Day | Phase 1 Preparation | Phase 2 Preparation (ESI + FM + Descriptive English) |
|---|
| Day 15 | Quant: Table DI – 10 Sets
Reasoning: Mixed Puzzle Practice – 10 Sets
English: RC Practice – 3 Passages
GA: Banking & Economy CA | ESI: Population Trends & Demographic Dividend
FM: Digital Banking & UPI |
| Day 16 | Quant: Bar Graph DI – 10 Sets
Reasoning: Syllogism Revision – 30 Questions
English: Cloze Test Advanced – 5 Sets
GA: RBI Notifications | ESI: Urbanisation & Migration
FM: Cyber Security in Banking |
| Day 17 | Quant: Pie Chart DI – 10 Sets
Reasoning: Seating Arrangement Mixed – 10 Sets
English: Error Detection Advanced – 40 Questions
GA: Financial Institutions Updates | ESI: Education & Health Indicators
FM: FinTech, Blockchain & CBDC |
| Day 18 | Quant: Line Graph DI – 10 Sets
Reasoning: Blood Relations Revision – 25 Questions
English: Vocabulary Revision – 100 Words
GA: Reports & Indices | ESI: Human Development Programmes
FM: Financial Stability & Systemic Risk |
| Day 19 | Quant: Caselet DI – 8 Sets
Reasoning: Coding-Decoding Revision – 25 Questions
English: Para Jumbles Advanced – 30 Questions
GA: Current Affairs Quiz | ESI: Environment, Climate Change & SDGs
FM: Corporate Governance in Banks |
| Day 20 | Quant: Missing DI – 8 Sets
Reasoning: Input-Output Revision – 20 Questions
English: Sentence Connectors – 30 Questions
GA: Government Schemes Revision | ESI: Globalisation & LPG Reforms
FM: Banking Ombudsman Scheme |
| Day 21 | Quant: Arithmetic Mock – 50 Questions
Reasoning: Full Practice Set – 50 Questions
English: Grammar Practice – 50 Questions
GA: Weekly CA Revision | ESI: Revision of Agriculture, Industry & Social Sector
FM: Revision of FinTech & Risk Management
Descriptive English: Precis Writing |
Week 4: Cover advanced finance and international economy
This week is focused on advanced-level preparation for both phases of the RBI Grade B exam. Candidates should revise important concepts related to international organisations, forex markets, banking reforms, and economic reforms in India. This is also the right time to solve full-length mocks and improve time management skills.
| Day | Phase 1 Preparation | Phase 2 Preparation (ESI + FM + Descriptive English) |
|---|
| Day 22 | Quant: Algebra Basics – 40 Questions
Reasoning: High-Level Puzzle Practice – 10 Sets
English: RC Practice Set – 3 Passages
GA: International Economy | ESI: IMF, World Bank & WTO
FM: International Financial System |
| Day 23 | Quant: Quadratic Equations – 40 Questions
Reasoning: Logical Reasoning Advanced – 30 Questions
English: Fillers Advanced – 30 Questions
GA: Banking MCQs | ESI: Balance of Payments & Exchange Rate
FM: Forex Market Basics |
| Day 24 | Quant: Quantity Comparison – 40 Questions
Reasoning: Data Sufficiency Advanced – 30 Questions
English: Error Spotting Practice – 40 Questions
GA: Static Banking Awareness | ESI: Foreign Trade Policy & EXIM Concepts
FM: External Commercial Borrowings |
| Day 25 | Quant: Full DI Revision – 15 Sets
Reasoning: Puzzle + Seating Mixed – 15 Sets
English: Vocabulary & Idioms Revision – 100 Words
GA: RBI Annual Report | ESI: Economic Reforms Since 1991
FM: Development Financial Institutions |
| Day 26 | Quant: Full Quant Mock – 30 Questions
Reasoning: Full Reasoning Mock – 60 Questions
English: Full English Mock – 30 Questions
GA: Current Affairs Revision | ESI: Inclusive Growth & Social Justice
FM: Financial Sector Reforms |
| Day 27 | Quant: Weak Topic Revision – 50 Questions
Reasoning: Weak Topic Revision – 50 Questions
English: Weak Topic Revision – 30 Questions
GA: Important One-Liners | ESI: Revision of International Economy & Reforms
FM: Revision of Financial System |
| Day 28 | Phase 1 Full-Length Mock Test | ESI: Full Revision Notes
FM: Full Revision Notes
Descriptive English: Essay + Precis Practice |
Week 5: Final revision and mock test practice
The last phase of preparation should be fully focused on revision, mock tests, and improving weak areas. Candidates should revise important formulas, current affairs, banking terms, and economic concepts regularly. Solving full-length mock tests and analysing mistakes is very important to improve score and confidence before the RBI Grade B exam.
| Day | Phase 1 Preparation | Phase 2 Preparation (ESI + FM + Descriptive English) |
|---|
| Day 29 | Quant: Formula Revision
Reasoning: Puzzle & Seating Rapid Revision
English: Grammar & Vocabulary Revision
GA: Last 6 Months CA Revision | ESI: Rapid Revision of Government Schemes & Economic Concepts
FM: Rapid Revision of Banking & Financial Terms |
| Day 30 | Phase 1 Full-Length Mock Test + Analysis | Phase 2 Mock Test: ESI + FM + Descriptive English Full Practice + Final Revision |
Attempt RBI Grade B Free Practice Quiz
What are the key notes for the RBI Grade B study plan?
Before diving into the full study plan, take a quick look at these RBI Grade B Study Plan Key Notes to understand the exam focus, preparation approach, and important points to keep in mind.
- Daily Revision: Spend 1-2 hours revising topics studied the previous day.
- Mock Tests: Take at least 3-4 full-length mock tests before the exam.
- Current Affairs: Dedicate 30 minutes each day to read news related to the economy, banking, and financial sectors.
- Balanced Approach: Focus equally on ESI, Finance & Management, and English Descriptive.
- Analysis & Application: Don't just memorize; focus on understanding and applying concepts, especially in case studies and essays.
Download RBI Grade B Study Plan PDF
To help you prepare better and stay on track, we have created a detailed RBI Grade B Study Plan PDF that covers all subjects and important topics for both Phase 1 and Phase 2. This plan is designed to help you use your time efficiently and focus on what matters most. Whether you're just starting or revising, this study plan will guide your preparation every step of the way. Download the RBI Grade B Study Plan PDF from the link given below and start your preparation with a clear roadmap.
Download RBI Grade B Study Plan PDF
How much time should be allocated for RBI Grade B preparation?
The ideal RBI Grade B Preparation Time can vary depending on the individual's prior knowledge and familiarity with the topics. Typically, candidates should aim to dedicate 3-6 months to prepare comprehensively for both Phase 1 and Phase 2 of the exam. However, this timeline is ideal to only a few aspirants as for some aspirants, the ideal time may be 6-9 months, for some it may be 9-12 months. Here's a breakdown of the optimal RBI Grade B preparation time line:
- Phase 1: The RBI Grade B Preparation Time for Phase 1 involves focusing on subjects like General Awareness, Quantitative Aptitude, Reasoning, and English. Candidates should definitely devote 1-2 months of focused preparation for Phase 1. However, this time period can increase according to your needs and knowledge.
- Phase 2: For Phase 2, aspirants should spend at least 2-3 months deeply studying Economics and Social Issues, Finance and Management, and practicing English Descriptive skills.
- Revision & Mock Tests: The last month of preparation should be dedicated to revisions, mock tests, and identifying weak areas for improvement.
Highlights of Union Budget 2026-27
RBI Grade B Study Material
To follow the RBI Grade B study plan properly, candidates should use the right books and study resources that cover the complete syllabus and help in understanding concepts clearly. For Phase 1, focus on subjects like Quantitative Aptitude, Reasoning, English Language, and General Awareness. Candidates should regularly practice questions, revise short notes, and study daily current affairs related to banking, economy, and the Reserve Bank of India.
For Phase 2, candidates should study from NCERT books and trusted reference materials for Economic and Social Issues (ESI), Finance and Management (FM), and Descriptive English. It is also important to read important RBI reports, government schemes, economic surveys, and budget highlights to improve conceptual understanding. Along with the study plan, candidates should solve mock tests, practice descriptive answer writing, and revise regularly. Using good RBI Grade B study material helps candidates stay connected with the latest exam pattern and improves overall preparation and confidence for the examination.
Explore RBI Grade B Courses
RBI Grade B Daily Quiz Challenge
Consistent practice is the backbone of a successful RBI Grade B preparation strategy. One of the best ways to stay exam-ready is by taking part in the RBI Grade B Daily Quiz Challenge. This initiative helps aspirants build accuracy and speed through daily practice questions that cover important topics from all three phases of the exam. By attempting the RBI Grade B Daily Quiz Challenge, you can:
- Strengthen your grip on current affairs, ESI, Finance, and Quant topics
- Track your performance regularly and identify weak areas
- Practice real-time MCQs and descriptive question types
- Stay updated with changing trends and exam patterns
Whether you're revising or starting afresh, incorporating this daily RBI quiz for preparation into your RBI Grade B study plan will boost your confidence and help you stay exam-ready every day.
