I keep telling everyone that if you want to clear Regulatory Exams, especially RBI Grade B and NABARD Grade A, you must work on your writing skills. Learn Answer Writing and English Descriptive Writing.

But most of you ignore it until you clear Phase I. After that, you are left with barely 35 days, and honestly, not much could be done in such a short time.

I am writing this message for future aspirants.

Writing is a skill, and like every skill, it takes time to develop. Start Today, Don't wait for your Quant to be Ready or Syllabus to be complete.

If you are a beginner, Begin with summary writing. Read an editorial, an article, and then try to write, in your own words, what you understood, work on correcting grammar and spelling mistakes, organizing whatever written in an order. This simple exercise will improve your comprehension, vocabulary, articulation, and logical flow of ideas. Also work on your typing skill, you need to type it in exam.

Remember, Phase II is not just about knowledge, it is about your ability to express that knowledge effectively within a limited time by typing it Online.

The World Bank this week upgraded Sri Lanka, Vietnam, and the Philippines to higher-income categories following sustained improvements in income levels.

India, however, remains classified as a lower-middle-income country with per capita income of $2,760.

The World bank classifies countries with per capita income less than $1,175 as low-income nations, while those with per capita income of $2,488 and $4,635 are classified as lower-middle-income, upper-middle-income respectively and those above $14,375 are high income.

Delhi leads the country with a per capita income of $6,217, followed by Karnataka ($5,579), Telangana ($5,407), Tamil Nadu ($5,329) and Gujarat ($4,734). All five comfortably exceed the World Bank's upper-middle-income cutoff.

At the other end of the spectrum, Bihar remained India’s poorest major state with per capita income of $984, followed by Uttar Pradesh ($1,403) and Jharkhand ($1,470).

As you know RBI Asked Question on this Topic. In PIB a different range is give and that's because, its on GNI 2024,

You need to follow PIB Data for Answer Writing or Objective, if they specifically doesn't mention 2026 GNI.

FCNR(B) deposits are specialized, fixed-term foreign currency bank accounts opened in India by Non-Resident Indians (NRIs), Overseas Citizens of India (OCIs), and Persons of Indian Origin (PIOs).
Unlike standard NRI accounts that automatically convert foreign currency into Indian Rupees, FCNR(B) deposits allow overseas Indians to fully retain their savings in global currencies.

Aim:
The aim of the FCNR(B) scheme is to provide Indian banks with a stable, large-scale source of low-cost overseas funding to shore up the country’s capital account.
For depositors, it provides an investment route to earn tax-free returns in India without taking on the risk of local currency depreciation.

How Does the USD-INR Forex Swap Work?
Under this arrangement, banks collect foreign currency through FCNR(B) deposits and enter into a structured swap agreement with the RBI.

First Leg: Spot Transaction: The bank sells the foreign currency collected through FCNR(B) deposits to the RBI at the prevailing market exchange rate.

Second Leg: Forward Transaction: At the end of the swap period, the RBI sells back the exact same amount of foreign currency to the bank at a pre-decided exchange rate.

Eliminating Risk: Because both transactions are carried out at the same exchange rate, banks face no exchange rate risk.

Lowering Cost: The arrangement removes the hedging burden from banks. Since banks do not have to buy expensive market contracts to protect themselves from currency fluctuations, they can offer more attractive interest rates to attract depositors.

As Updated before, we will share Our PIB 360 Magazine by 10th and CA Magazine next 2 days after PIB 360 Magazine. Today Manthan May and June would be shared for Phase II Exam.

What is the Financial Fraud Risk Indicator?

The FRI is a risk detection tool deployed under the Digital Intelligence Platform, aimed at identifying and pre-emptively blocking cybercriminal activity related to UPI payments. By leveraging intelligence inputs and digital surveillance, the system flags suspicious phone numbers involved in UPI fraud and assigns them a risk category—Medium, High, or Very High.

The primary objective of FRI is to integrate telecom data intelligence with the digital payment infrastructure to enable real-time identification of fraudulent entities. Numbers that are reported on the National Cybercrime Reporting Portal, flagged by the Chakshu platform, or fail multiple regulatory checks will now be categorized and monitored.

Base Year of Wholesale Price Index Revised from 2011–12 to 2022–23

The Office of Economic Adviser, DPIIT will accordingly release the revised series of WPI with base year 2022-23.

In addition, the Office would also release new series of Output Producer Price Index (OPPI), Trial Input Producer Price Index (IPPI), and Service Producer Price Index (Service PPI) of seven services, viz., Banking, Securities Transaction, Insurance, Management of Pension Funds, Railways, Air (Passenger), and Telecom with base year 2022-23.

Considering the wide usage of WPI in price escalation clauses, this index will be released for five years from the date of release of the revised series along with PPI and will be discontinued thereafter.

RBI Overhauls TReDS: Easier MSME Onboarding and Credit-Guarantee Cover for Financiers

The Reserve Bank of India has issued revised directions consolidating the rules that govern the Trade Receivables Discounting System (TReDS) an RBI-regulated electronic platform on which Micro, Small and Medium Enterprises (MSMEs) sell their unpaid invoices to lenders for early cash.

Read Here: https://www.rbi.org.in/scripts/BS_ViewMasDirections.aspx?id=13526

✅ NABARD Grade A 2026 Mentorship Program by Brajesh Mohan
Enroll Here: https://courses.edugrade.in/learn/NABARD-Grade-A-Mentorship-Course-BM

or, ❇️NABARD Grade A 2026 Test Series and Magazine Course @ Rs. 1999/-
Enroll Here: https://courses.edugrade.in/learn/NABARD-Grade-A-Mock-Test-BM

We are running our NABARD Grade A 2026 program with a daily/weekly plan, along with live tests every week covering both objective and descriptive sections.

If you are serious about this exam, don’t wait any longer to begin your preparation.

CCI Recruitment 2026 Notification Out

Apply Online : https://cdn.digialm.com/EForms/configuredHtml/1258/100936/Index.html

India has climbed two places to become the world’s 11th-largest recipient of foreign direct investment (FDI), according to a UN agency’s latest trade report. Inflows surged nearly 44 per cent to $38.89 billion in 2025, helping the country recover ground lost after it slipped out of the global top 10 two years prior.

India had ranked 13th among global FDI recipients in 2024, with inflows of $27.09 billion.

PIB Explainers - Main source for Phase II Objective Questions from Schemes in RBI & NABARD.

Save this Link: https://www.pib.gov.in/ViewBackgrounder.aspx?MenuId=15&reg=48&lang=1

You need to Change Month and all the Articles would come.

You can watch My videos on these explainers, though I haven't made any in last 2 months as got occupied in RBI grade b exam related work but will start again. https://www.youtube.com/playlist?list=PLNrZWQ8puU8ylNedItvU5hdGfb1mCMg_e

As Promised NABARD Grade A 2026 Phase I Mock Test has been Added in Current Affairs Course Bundle at no additional Cost. You can attempt chapter wise ARD.

— Same like RBI Grade B, Our NABARD Grade A Phase I Mock a complete Mock Test Package with 50+ Tests for Phase I.

— Remaining tests would be Updated and Published after RBI Grade B Phase II Exam.

Enroll for Our Current Affairs Here: https://courses.edugrade.in/learn/Magazine-and-Power-Punch-Course-BM (It costs 1199/- and Valid Till Dec 2026)

Newton's First Law of Motion in Life.