Phase 1: Banking Foundations (Static)
● H istory of Banking: Evolution, Nationalisation (1969 & 1980), SBI History.
● RBI (The Central Bank): Structure, Functions, Subsidiaries (DICGC, BRBNMPL,
IFTAS, RABBIT, RBIH).
● Types of Banks: Public, Private, Foreign, RRBs, Small Finance Banks, Payments
Banks, Cooperative Banks.
● Banking Terms: Asset & Liabilities, CASA Ratio, Net Interest Margin (NIM), Capital
Adequacy Ratio (CAR).
Phase 2: Monetary Policy & Regulations
● M onetary Policy Tools: Repo, Reverse Repo, SDF, MSF, Bank Rate, CRR, SLR.
● NPA Management: Classification (Standard, Sub-standard, Doubtful, Loss),
SARFAESI Act, IBC, NARCL (Bad Bank).
● Basel Norms: Basel I, II, and III (Pillars of Basel).
● PCA Framework: Prompt Corrective Action rules for weak banks.
Phase 3: Negotiable Instruments & Laws
● N I Act 1881: Sections (4, 5, 6, 138), Cheques, Bill of Exchange, Promissory Note.
● Types of Cheques: Bearer, Order, Crossed, Stale, Post-dated, Ante-dated,
Mutilated.
● CTS (Cheque Truncation System): Process and Positive Pay System.
Phase 4: Financial Markets & Foreign Exchange
● M oney Market: T-Bills, Commercial Paper (CP), Certificate of Deposit (CD), Call
Money.
● Capital Market: SEBI, IPO, Bonds, Shares, Mutual Funds, Derivatives.
● Foreign Exchange: NRI Accounts (NRE, NRO, FCNR), FDI vs FPI, ECBs, SWIFT.
Phase 5: Digital Banking & Govt. Schemes
● PCI Products: UPI, RuPay, BHIM, IMPS, NETC (FASTag), AePS.
N
● Current Tech: CBDC (e-Rupee), Neo-banking, Blockchain in Banking.
● Financial Inclusion: PMJDY, Mudra Loans, Stand-up India.
● Social Security: PMSBY, PMJJBY, APY.
Phase 6: Current Economic Awareness (Most Imp for SBI PO)
● atest Budget & Economic Survey Highlights.
L
● RBI’s Recent Circulars & Notifications.
● Mergers & Acquisitions in the Banking Sector.
● New Appointments: RBI Governors, MD/CEOs of major banks.