{"id":224738,"date":"2025-08-14T15:19:48","date_gmt":"2025-08-14T09:49:48","guid":{"rendered":"https:\/\/www.oliveboard.in\/blog\/?p=224738"},"modified":"2025-08-14T15:19:48","modified_gmt":"2025-08-14T09:49:48","slug":"time-saving-tips-for-esi-fm","status":"publish","type":"post","link":"https:\/\/www.oliveboard.in\/blog\/time-saving-tips-for-esi-fm\/","title":{"rendered":"Time Saving Tips for ESI &#038; FM Calculations in RBI Grade B"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.oliveboard.in\/blog\/time-saving-tips-for-esi-fm\/#Understanding_the_Concept_of_Each_Formula\" >Understanding the Concept of Each Formula<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.oliveboard.in\/blog\/time-saving-tips-for-esi-fm\/#Creating_a_formula_sheet_for_RBI_Grade_B\" >Creating a formula sheet for RBI Grade B<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.oliveboard.in\/blog\/time-saving-tips-for-esi-fm\/#Practicing_Mental_Calculations\" >Practicing Mental Calculations<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.oliveboard.in\/blog\/time-saving-tips-for-esi-fm\/#Approximation_methods_to_save_time_in_RBI_Grade_B_exam\" >Approximation methods to save time in RBI Grade B exam<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.oliveboard.in\/blog\/time-saving-tips-for-esi-fm\/#Backward-solving_techniques_for_RBI_Grade_B_FM_section\" >Backward-solving techniques for RBI Grade B FM section<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.oliveboard.in\/blog\/time-saving-tips-for-esi-fm\/#Regular_Practice_with_Tests\" >Regular Practice with  Tests<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.oliveboard.in\/blog\/time-saving-tips-for-esi-fm\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><strong>Time Saving Tips for ESI &amp; FM in RBI Grade B: <\/strong>Due to the high level of competition, it is very important for candidates to manage their time efficiently during the exam. A significant portion of exam time is often spent solving ESI and FM questions. In this article, we will explore practical tips and strategies to help you tackle all ESI and FM questions effectively in RBI Grade B Exam.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Understanding_the_Concept_of_Each_Formula\"><\/span>Understanding the Concept of Each Formula<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Knowing the logic behind formulas helps you apply them flexibly and saves time during the exam. <\/p>\n\n\n\n<p><strong>Examples:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Simple Interest (SI): SI = (P \u00d7 R \u00d7 T) \/ 100<\/li><li><strong>P<\/strong> = Principal, <strong>R<\/strong> = Rate of Interest, <strong>T<\/strong> = Time in years<\/li><li>Logic: SI grows linearly with time. Doubling T doubles the interest.<\/li><li>Compound Interest (CI): CI = P \u00d7 (1 + R\/100)^T \u2212 P<\/li><li>CI grows exponentially. Small changes in R or T significantly impact results.<\/li><\/ul>\n\n\n\n<p><strong>Tip:<\/strong> Write down why each component matters (e.g., rate changes \u2192 CI changes). This prevents mistakes in tricky questions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Creating_a_formula_sheet_for_RBI_Grade_B\"><\/span>Creating a formula sheet for RBI Grade B<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A <strong>well-organized formula sheet<\/strong> helps candidates quickly recall formulas and examples while revising or solving questions.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Category<\/strong><\/td><td><strong>Formula<\/strong><\/td><td><strong>Quick Example<\/strong><\/td><\/tr><tr><td>Profit &amp; Loss<\/td><td>Profit% = (Profit \u00f7 Cost Price) \u00d7 100<\/td><td>Profit \u20b920 on \u20b9200 \u2192 10%<\/td><\/tr><tr><td>Simple Interest (SI)<\/td><td>SI = P\u00d7R\u00d7T \u00f7 100<\/td><td>\u20b91000 at 5% for 2 yrs \u2192 \u20b9100<\/td><\/tr><tr><td>Compound Interest (CI)<\/td><td>CI = P(1+R\/100)^T \u2013 P<\/td><td>\u20b91000 at 10% for 2 yrs \u2192 \u20b9210<\/td><\/tr><tr><td>Ratio<\/td><td>Ratio = Qty1 \u00f7 Qty2<\/td><td>10:15 \u2192 2:3<\/td><\/tr><tr><td>Time Value of Money (TVM)<\/td><td>PV = FV\/(1+R)^T<\/td><td>PV of \u20b91100 at 10% for 1 yr \u2192 \u20b91000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>How to customize your formula sheet:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Use <strong>color coding<\/strong> for categories.<\/li><li>Include <strong>1\u20132 solved examples per formula<\/strong>.<\/li><li>Review it <strong>daily for 10\u201315 minutes<\/strong> for retention.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Practicing_Mental_Calculations\"><\/span>Practicing Mental Calculations<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Improving mental calculation skills <strong>increases speed and accuracy<\/strong> in ESI and FM questions.<\/p>\n\n\n\n<p><strong>Examples of Mental calculation tricks for RBI Grade B exam:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Percentage shortcuts:<\/strong><ul><li>25% of 480 \u2192 480 \u00f7 4 = 120<\/li><li>12.5% of 800 \u2192 800 \u00f7 8 = 100<\/li><\/ul><\/li><li><strong>Quick multiplication tricks:<\/strong><ul><li>19 \u00d7 5 \u2192 20\u00d75 \u2013 5 = 95<\/li><li>48 \u00d7 12 \u2192 (50\u00d712) \u2013 (2\u00d712) = 576<\/li><\/ul><\/li><\/ul>\n\n\n\n<p><strong>Step:<\/strong> Practice mental arithmetic daily under timed conditions. Gradually include ratios, interest, and growth rate problems.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.oliveboard.in\/rbi-grade-b\/?ref=contpp-rbi-blogs\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Explore RBI Grade B Online Courses<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Approximation_methods_to_save_time_in_RBI_Grade_B_exam\"><\/span>Approximation methods to save time in RBI Grade B exam<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Approximation simplifies calculations and <strong>saves valuable exam time<\/strong>, especially when answer choices are far apart.<\/p>\n\n\n\n<p><strong>Examples:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>19.8% of 1,002 \u2248 20% of 1,000 = 200<\/li><li>CI of \u20b91020 at 5% for 2 yrs \u2192 Approximate P=1000, CI \u2248 \u20b91023 \u2013 1000 = 23<\/li><\/ul>\n\n\n\n<p><strong>Tip:<\/strong> Use approximation when precision isn\u2019t critical to quickly eliminate options.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Backward-solving_techniques_for_RBI_Grade_B_FM_section\"><\/span>Backward-solving techniques for RBI Grade B FM section<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Instead of full calculations, check answer options to see which fits. This will save time and reduces errors.<\/p>\n\n\n\n<p><strong>Example:<\/strong><br>Question: Total interest = ? Options: 105, 110, 115<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>SI = P\u00d7R\u00d7T \u00f7 100, P=1000, R=5%, T=?<\/li><li>Test options:<ul><li>Option 105 \u2192 T = 105 \u00d7 100 \u00f7 (1000\u00d75) = 2.1 yrs fits<\/li><\/ul><\/li><\/ul>\n\n\n\n<p><strong>Tip:<\/strong> Always eliminate obviously wrong options first to reduce calculation effort.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Regular_Practice_with_Tests\"><\/span>Regular Practice with  Tests<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.oliveboard.in\/rbi-grade-b-mock-test\/?ref=contpp-rbi-blogs\" target=\"_blank\" rel=\"noreferrer noopener\">RBI Grade B Mock tests<\/a> simulate exam conditions and help candidates improve speed, accuracy, and time management in ESI &amp; FM sections.<\/p>\n\n\n\n<p><strong>Step-by-step practice:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Take 1 full-length mock test per week.<\/li><li>Track time taken per question and mark tough topics.<\/li><li>Implement mental math, shortcuts, and approximation methods in subsequent mocks.<\/li><li>Focus on weak areas first to convert slow topics into fast-solving areas.<\/li><\/ol>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Other Useful Study Materials<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/www.oliveboard.in\/rbi-grade-b-descriptive\/?ref=contpp-rbi-blogs\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>RBI Grade B Descriptive Questions PDF<\/strong><\/a><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/www.oliveboard.in\/f-and-m-formulae-for-rbi-grade-b\/?ref=contpp-rbi-blogs\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>F and M Formula E-book PDF<\/strong><\/a><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/www.oliveboard.in\/rbi-grade-b-previous-year-papers\/?ref=contpp-rbi-blogs\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>RBI Grade B PYP PDFs<\/strong><\/a><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/www.oliveboard.in\/rbi-grade-b-2024-air-1-handwritten-notes\/?ref=contpp-rbi-blogs\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>RBI Grade B 2024 AIR 1 Handwritten Notes<\/strong><\/a><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/download.oliveboard.in\/pdf\/RBI-2025-26-Mentorship.pdf?ref=contpp-rbi-blogs\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Know about personalized guidance from AIR-1<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1755160085905\"><strong class=\"schema-faq-question\">Q1. Why is time management important for ESI &amp; FM in RBI Grade B?<\/strong> <p class=\"schema-faq-answer\">Due to the high competition, candidates often spend a significant portion of the exam on ESI and FM questions. Efficient time management ensures you attempt all questions without errors.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1755160501225\"><strong class=\"schema-faq-question\">Q2. How can I understand formulas better for faster calculations?<\/strong> <p class=\"schema-faq-answer\">Focus on the logic behind each formula rather than rote memorization. For example, SI grows linearly while CI grows exponentially. Understanding helps in applying formulas flexibly.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1755160553105\"><strong class=\"schema-faq-question\">Q3. What is the best way to create a formula sheet?<\/strong> <p class=\"schema-faq-answer\">Categorize formulas (Profit &amp; Loss, SI, CI, Ratio, TVM), include 1\u20132 solved examples for each, and review it daily. Color coding can help in quick recall.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1755160659705\"><strong class=\"schema-faq-question\">Q4. How can I improve my mental calculation speed?<\/strong> <p class=\"schema-faq-answer\">Practice basic arithmetic, percentage shortcuts, ratios, and multiplication tricks daily under timed conditions. This builds speed and accuracy for exam questions.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1755160687121\"><strong class=\"schema-faq-question\">Q5. How often should I take RBI Grade B mock tests?<\/strong> <p class=\"schema-faq-answer\">Take at least one full-length mock test per week. Analyze weak areas, track time per question, and practice shortcuts in subsequent tests.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Time Saving Tips for ESI &amp; FM in RBI Grade B: Due to the high level of competition, it is<\/p>\n","protected":false},"author":52,"featured_media":224775,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10226,320,10247],"tags":[17827,326],"class_list":["post-224738","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rbi","category-rbi-grade-b","category-rbi-sebi-nabard","tag-esi-fm","tag-rbi-grade-b","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Time Saving Tips for ESI &amp; FM Calculations in RBI Grade B<\/title>\n<meta name=\"description\" content=\"Time-saving tips for ESI &amp; FM in RBI Grade B 2025. 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