RBI Grade B Mock Test: Free Phase 1 and Phase 2 Practice Tests

Attempt a free RBI Grade B mock test on sarkariexam.center and get 200 questions in 120 minutes with a section locked timer, real negative marking, all India rank, and a full score report, exactly like the TCS conducted computer based exam by the Reserve Bank of India. Start right now. No payment needed.

Why RBI Grade B Is the Most Competitive Bank Exam in India

The Reserve Bank of India receives applications from over 1.5 lakh candidates each year, but selects only around 120 to 150 officers in Grade B. That means fewer than 1 in every 1,000 applicants earns the post. This is not a standard bank exam. It is a 3 stage selection process that tests conceptual understanding, analytical writing, and personality at a level no other public bank exam in India demands.

The RBI Grade B officer post comes with a gross monthly salary of approximately Rs 1.5 lakh, a residential quarter or 15% House Rent Allowance, Dearness Allowance, Medical Benefits, Education Allowance, and accelerated career growth from Grade B to Deputy General Manager and beyond. This compensation package makes the post one of the most sought after banking careers in India.

Reading notes is not enough to beat 1.5 lakh aspirants. Regular RBI Grade B mock test practice is the preparation method that creates a measurable gap between selected officers and those who repeat the exam.

RBI Grade B Exam: 3 Streams and 3 Different Phase 2 Papers

The Reserve Bank of India conducts the Grade B officer exam under 3 streams, and each stream has a separate Phase 2 syllabus. Phase 1 is identical for all 3 streams. Our mock tests on sarkariexam.center cover Phase 1 for all streams, with separate Phase 2 sets for the General DR and DEPR streams.

Stream	Full Form	Phase 2 Subjects	Eligible Candidates
General DR	Direct Recruitment General	ESI, FM, and English Descriptive	Any graduate with 60% marks
DEPR	Dept. of Economic and Policy Research	Economics Paper 1, Economics Paper 2, and English Descriptive	MA or MSc Economics graduates
DSIM	Dept. of Statistics and Information Management	Statistics Paper 1, Statistics Paper 2, and English Descriptive	MA or MSc Statistics graduates

Over 90% of applicants appear under General DR. If you are targeting DEPR or DSIM, use the Phase 1 mock tests on this page and access the stream specific Phase 2 sets from your test dashboard after login.

RBI Grade B Phase 1 Mock Test: Full Exam Pattern with Timings

Phase 1 is a computer based objective test conducted by TCS on behalf of the Reserve Bank of India. 4 sections run in sequence with individual section timers. You cannot move to the next section before the current timer expires. You cannot return to a section once it closes.

Section	Questions	Max Marks	Time (Min)	Seconds Per Question
General Awareness	80	80	25	18 seconds
English Language	30	30	25	50 seconds
Quantitative Aptitude	30	30	25	50 seconds
Reasoning Ability	60	60	45	45 seconds
Total Phase 1	200	200	120

Marking scheme: +1 mark per correct answer, 0.25 marks deducted per wrong answer, 0 for unattempted. Phase 1 is qualifying only. RBI sets both an overall cut-off and a sectional cut-off for each of the 4 sections. Clearing the total cut-off while failing any single sectional cut-off is disqualification.

RBI Grade B Phase 1 Category-Wise Cut-Off Reference Data

RBI releases the Phase 1 cut-off on rbi.org.in after the result declaration, with separate marks for each category and each section. The table below reflects sectional and overall cut-off ranges from previously released official scorecards.

Section	Out of	General Range	OBC Range	SC and ST Range
General Awareness	80	14 to 18	11 to 15	9 to 13
English Language	30	8 to 10	6 to 9	5 to 7
Quantitative Aptitude	30	6 to 8	5 to 7	4 to 6
Reasoning Ability	60	11 to 14	9 to 12	7 to 10
Overall Phase 1	200	107 to 122	92 to 108	68 to 90

Target 130 or above in every mock test to stay 10 to 15 marks above the General category cut-off. Aspirants scoring 140 and above in mock tests are well positioned to clear Phase 1 and shift the majority of their preparation time to Phase 2.

RBI Grade B Phase 2 Mock Test: General Stream Full Pattern

Phase 2 carries 300 marks and directly decides your final merit rank. Phase 1 marks play zero role after shortlisting. And Phase 2 runs over 330 minutes across 3 papers on the same day with both objective and descriptive components.

Paper	Subject	Objective	Descriptive	Total	Duration
Paper I	Economic and Social Issues (ESI)	50 marks via 30 MCQs	50 marks, attempt 4 of 6 questions	100	120 minutes
Paper II	English Writing Skills	Nil	100 marks via Essay, Précis, and Comprehension	100	90 minutes
Paper III	Finance and Management (FM)	50 marks via 30 MCQs	50 marks, attempt 4 of 6 questions	100	120 minutes
Total Phase 2					300 marks in 330 minutes
Interview and Personality Test					75 marks
Final Merit List Total					375 marks

In Paper I and Paper III, the descriptive section gives 6 questions in 2 groups: 2 questions at 15 marks each and 4 questions at 10 marks each. Attempt exactly 4 questions per paper. Writing more than 4 does not help. RBI evaluates only the first 4 written answers. Quality of argument and accuracy of facts matter far more than answer length.

Phase 2 Weightage in the Final Selection List

• Phase 2 total: 300 marks, forming 80% of the final merit score
• Interview and Personality Test: 75 marks, forming 20% of the final merit score
• Psychometric test: conducted alongside the interview, results used by the panel for reference only and not scored separately

What Every RBI Grade B Mock Test on sarkariexam.center Gives You

Each test on sarkariexam.center mirrors the actual TCS exam interface with section locked timers, negative marking, and real time scoring. You get zero surprises on the actual exam day when you have practiced in the same environment repeatedly.

• Full length Phase 1 mock tests: 200 questions, 120 minutes, 4 section locked timers, and 0.25 mark deduction per wrong answer applied automatically
• Sectional practice tests: standalone timed drills for General Awareness, Reasoning, Quantitative Aptitude, and English Language
• Phase 2 objective practice sets: ESI and FM topic wise and full length objective tests
• Descriptive answer writing practice: essay prompts, précis passages, and comprehension sets built around RBI policy, ESI, and FM themes
• Memory based previous year papers: reconstructed from actual RBI Grade B exam takers recall across multiple exam years
• All India rank and percentile: live ranking against every registered test taker on the platform after each submission
• Detailed step by step solutions: PDF solutions for every question with concept notes and source references for GA answers
• Performance dashboard: section wise accuracy, time spent per question, attempt rate, and score trend graph across all attempts
• Bilingual test interface: available in English and Hindi for all sections except the English Language paper

The Mock Test Strategy That Gets Aspirants Selected in Their First Attempt

Candidates who clear RBI Grade B in their first attempt do not just attempt mock tests. They follow a structured 3 phase process before, during, and after every test. Attempting a mock without this process gives you practice. Applying it gives you selection.

Before the Test: Recreate Real Exam Conditions

Sit at a desk, mute your phone, close all other browser tabs, and treat every mock test like the actual exam day from TCS. Aspirants who practice under real pressure consistently outperform those who practice casually. The brain responds better under exam conditions when it has experienced the same pressure pattern many times before.

During the Test: The 4 Level Attempt Decision

Apply a 4 level decision on every question before selecting an answer. This approach reduces total negative marking penalties across 200 questions and raises your effective score.

• Attempt immediately: questions you can solve with full certainty within the section time limit per question
• Skip and return: questions where you have partial recall; mark for review and return if section time allows
• Eliminate and attempt: rule out 2 wrong options using elimination, then pick from the remaining 2; this raises success probability from 25% to roughly 50%, making the 0.25 mark penalty statistically worthwhile
• Hard skip: questions with zero recall; do not guess randomly because at 25% success rate the expected score from random guessing is negative under the 0.25 penalty rule

Elimination works best in General Awareness and English Language. In Quantitative Aptitude and Reasoning, elimination is far less reliable. A wrong setup in a Data Interpretation set or puzzle causes every connected sub-question to fail regardless of which option you pick.

After the Test: The 3 Category Analysis Method

Divide every completed mock test into 3 answer categories before checking your overall score. This is the post test step most aspirants skip and the one that turns practice into improvement.

• Category 1 (Correct answers): flag any correct answer that was a guess or a 50 percent chance pick; these require concept reinforcement, not just a positive mark
• Category 2 (Wrong answers): separate silly mistakes such as calculation errors and misread questions from genuine knowledge gaps; silly mistakes reduce with more practice while knowledge gaps require topic revisit
• Category 3 (Skipped questions): identify genuine skips from truly unfamiliar topics versus anxiety skips where you knew the answer but panicked under the timer; anxiety skips are fully recoverable with consistent timed mock practice

Track your accuracy percentage after every RBI Grade B mock test, not just the raw score. A 78% accuracy rate on 160 attempts produces a higher score with a lower penalty footprint than a 68% accuracy rate on 190 attempts.

Building Exam Stamina Through RBI Grade B Mock Tests

The RBI Grade B exam runs for over 7 hours on Phase 2 day across 3 papers back to back with no meaningful break between Papers I and II. Most aspirants who fail Phase 2 report mental fatigue in the third paper as their primary reason for below-par performance. The only way to build exam stamina is by simulating the same pressure repeatedly in mock tests.

Use these 3 stamina building practices in your mock test preparation:

• Attempt 2 full length Phase 1 mock tests back to back once a week in the final 60 days to simulate extended concentration
• Practice Phase 2 Paper I and Paper III objective sets together in a single sitting to build the physical and cognitive endurance needed on Phase 2 day
• Practice descriptive answer writing after a full objective mock test to simulate Phase 2 conditions where your descriptive writing performance follows hours of objective questions

When to Start Attempting RBI Grade B Mock Tests

Start Phase 1 mock tests as soon as you have covered 30% of the syllabus. Early mocks are diagnostic tools, not performance tests. They show exactly where your study time is being wasted on topics you already know and where it needs to go urgently.

Preparation Stage	Recommended RBI Grade B Mock Test Activity
0 to 30% syllabus covered	1 sectional mock per section per week to build baseline familiarity with question types and section timings
30% to 60% syllabus covered	2 full length Phase 1 mocks per week plus daily 20 question GA mini mocks using RBI current affairs
60% to 90% syllabus covered	3 full length mocks per week with post test analysis, plus Phase 2 ESI and FM objective practice sets
Final 30 days before exam	1 full length mock daily with a 90 minute analysis session after each test, plus descriptive answer writing practice 3 times per week
Minimum total target	20 to 25 full length Phase 1 mocks and 10 Phase 2 subject tests before exam day

Section Wise Focus for RBI Grade B Mock Test Preparation

General Awareness: 80 Marks, 25 Minutes, 18 Seconds Per Question

GA is the highest mark section and the most time pressured, giving you only 18 seconds per question with no time to read or think. Every GA answer in the RBI Grade B exam must be instant recall. Build this recall depth from these RBI examiner targeted sources:

• Monetary Policy Committee (MPC) decisions covering repo rate, reverse repo rate, Cash Reserve Ratio, and Standing Deposit Facility rate from rbi.org.in
• RBI regulatory circulars on banks, NBFCs, and payment systems published in the preceding 12 months
• Financial Stability Report (FSR) and Monetary Policy Report (MPR) key data points and findings
• Economic Survey and Union Budget highlights covering revenue deficit, fiscal deficit, and GDP projections
• Government flagship schemes such as PM Jan Dhan Yojana, PM Suraksha Bima Yojana, Atal Pension Yojana, and PM Kisan
• Institutional developments at NABARD, SIDBI, NHB, PFRDA, SEBI, and IRDAI
• International events covering IMF Article IV consultations, World Bank India reports, and G20 finance track outcomes
• Static banking awareness covering PSU bank headquarters, RBI regional office locations, and bank merger effective dates

Attempt 20 question GA mini mocks daily from RBI specific current affairs. Revise wrong answers the same evening before moving to the next mini mock session.

Reasoning Ability: 60 Marks, 45 Minutes, 45 Seconds Per Question

Reasoning gives the most generous time per question of all 4 Phase 1 sections, so use every second carefully on arrangement based puzzles instead of rushing through them. High frequency Reasoning topics in RBI Grade B mock tests include:

• Linear and circular seating arrangements with single and double row setups
• Box based and floor based puzzles with multiple conditional logic layers
• Blood relations and coded blood relations
• Direction and distance sense with multiple turn scenarios
• Syllogisms covering definite and possibility based conclusions
• Coded inequalities and mathematical inequality chains
• Input output machines with shifting or coding patterns
• Alpha numeric and number series

Quantitative Aptitude: 30 Marks, 25 Minutes, 50 Seconds Per Question

QA gives 50 seconds per question, which demands calculation shortcuts built through repeated practice before you enter RBI Grade B mock tests. Data Interpretation sets with tables, bar graphs, pie charts, and caselet problems carry the highest mark density in this section. High frequency QA topics in RBI Grade B mock tests include:

• Data Interpretation sets: tabular DI, bar graph DI, pie chart DI, line graph DI, and caselet DI
• Quadratic equations with 2 variable comparison
• Number series in missing number and wrong number formats
• Simplification and approximation
• Profit and loss, simple interest, and compound interest
• Time, speed, and distance covering trains, boats, and relative motion
• Partnership, mixtures, and alligations

English Language: 30 Marks, 25 Minutes, 50 Seconds Per Question

English in RBI Grade B uses finance and economics themed reading comprehension at a higher difficulty level than IBPS PO or SBI PO papers. Practice RC passages on monetary policy transmission, banking sector NPA recovery, financial inclusion progress, and India’s current account deficit to build contextual reading speed on familiar themes. High frequency English topics include:

• Reading Comprehension with 1 to 2 passages and 5 questions each
• Sentence correction and error spotting
• Fill in the blanks with single and double blank formats
• Para jumbles with 5 to 6 sentences to rearrange
• Cloze test passages

RBI Grade B Phase 2 Mock Test: ESI and FM Topic Breakdown

Phase 2 is where most aspirants lose marks because generic banking test series from platforms like Testbook, Smartkeeda, and Cracku do not build the depth needed for ESI or FM. Start RBI specific Phase 2 mock tests as soon as your Phase 1 average crosses 115 marks consistently.

Economic and Social Issues: Paper I Topics

• Indian economic development: GDP structure, sectoral growth, structural transformation of the economy
• Monetary and fiscal policy: inflation targeting framework, fiscal deficit, FRBM Act, revenue deficit management
• Financial inclusion: Jan Dhan scheme, SHG Bank linkage, microfinance, PM SVANidhi
• Banking sector developments: NPA resolution under IBC 2016, capital adequacy norms, GNPA ratios
• Social welfare: poverty measurement by the Tendulkar and Rangarajan committees, HDI rankings, NFHS data, education and nutrition indicators
• Global economic environment: IMF projections, WTO trade issues, BRICS, RCEP, and current account dynamics

Finance and Management: Paper III Topics

• Indian financial system: structure and roles of the Reserve Bank of India, commercial banks, cooperative banks, and NBFCs
• Financial markets: money market instruments such as T-bills, Commercial Papers, and Certificates of Deposit, plus bond, equity, and forex markets
• Regulatory bodies: SEBI, IRDAI, PFRDA, and NHB along with their current statutory mandates
• Risk management in banking: credit risk, market risk, operational risk, and Basel III capital norms covering Tier 1 and Tier 2 capital
• Management theory: Taylor’s scientific management, Fayol’s principles, Maslow’s hierarchy, and Herzberg’s two factor theory
• Corporate governance: board structure, audit committee mandates, and SEBI’s LODR regulations

RBI Grade B DEPR Mock Test: Economics Stream Preparation

DEPR Phase 2 has 2 Economics papers at Masters degree difficulty, covering microeconomics, macroeconomics, growth and development theory, monetary economics, international economics, and public finance. These topics go far deeper than General stream ESI paper content and require dedicated DEPR specific practice sets.

Key source documents for DEPR Phase 2 mock test preparation include:

• RBI Monetary Policy Report, published twice yearly at rbi.org.in
• Report on Trend and Progress of Banking in India, published annually by RBI
• Financial Stability Report (FSR), published every 6 months by RBI
• Economic Survey, published by the Ministry of Finance covering the 2 most recent fiscal years
• Government of India Budget documents for fiscal analysis and deficit tracking questions

Mock Score Benchmarks: Where Do You Stand for Phase 1?

Use this table to assess whether your current RBI Grade B mock test scores indicate Phase 1 readiness or require targeted action in specific sections.

Average Mock Score	What It Signals	Priority Action Required
Below 95	Early preparation stage	Build GA base from RBI sources, complete Reasoning topic study, and revise all syllabus gaps
95 to 110	Borderline qualification zone	Increase daily GA mini mocks, improve Reasoning speed on arrangement puzzles, and reduce QA calculation errors
110 to 125	On track for Phase 1 clearance	Maintain accuracy, push attempt count above 160, and start Phase 2 ESI and FM objective sets
125 to 140	Strong Phase 1 position	Shift 40% of study time to Phase 2 ESI and FM, and begin descriptive answer writing practice
Above 140	Top percentile performance	Focus 60% on Phase 2, begin English Writing Skills practice, and target a combined Phase 2 and interview score above 350

RBI Grade B Previous Year Papers and Mock Tests: How They Work Together

Previous year papers show you the exact question type, phrasing style, and difficulty level that RBI examiners have used in real exams. Mock tests build speed and accuracy under timed pressure. Used together, they form the most complete RBI Grade B practice preparation system.

On sarkariexam.center, you get access to:

• Memory based previous year papers reconstructed from actual RBI Grade B exam takers recall across multiple past exam cycles
• Full length mock tests modeled on the same question difficulty and section mix as previous year papers
• GA question sets built from actual RBI circulars, PIB releases, and FSR and MPR publications that have produced questions in prior exams

RBI Grade B Eligibility: Who Can Attempt This Mock Test

Any graduate with at least 60% marks (55% for SC, ST, and PwBD candidates) from a recognized university is eligible for the RBI Grade B General DR stream. Age limit is 21 to 30 years for General category candidates.

• OBC candidates: 3 years of relaxation, upper limit 33 years
• SC and ST candidates: 5 years of relaxation, upper limit 35 years
• PwBD candidates: 10 years of relaxation beyond the category limit

Attempt limits per category:

• General and EWS: maximum 6 attempts
• OBC: maximum 9 attempts
• SC, ST, and PwBD: no upper attempt limit

Any eligible candidate can start the first free full length RBI Grade B mock test on sarkariexam.center right now to measure current preparation level against the actual exam standard.

Frequently Asked Questions: RBI Grade B Mock Test