Cracking the RBI Grade B exam is a dream for many aspirants. But what if you’re not from a commerce or finance background? Is it still possible? Chinmoy Loy, an electrical engineer turned RBI officer, proves that with the right mindset, focused preparation, and adaptability, success is within reach—even without a conventional background.
In this blog, we break down Chinmoy’s inspiring journey, his exam strategy, use of mock tests, mental preparation techniques, and interview experience. If you’re preparing for RBI Grade B 2025 or planning to appear for other regulatory body exams, this guide is for you.
From Electrical Engineering to RBI Grade B: Chinmoy’s Journey
Chinmoy completed his B.Tech in Electrical Engineering from Guwahati and initially worked in a private firm. Later, he joined the Assam Secretariat in the General Administration Department. During this time, he cleared exams like SBI PO and clerical exams but didn’t join, as he had his sights set on bigger opportunities like RBI Grade B.
Despite several failures in other state and banking exams and facing delays due to the COVID-19 pandemic, Chinmoy stayed focused. He explored exams like NABARD Grade A, but his true interest lay in finance, economics, and policy-making—all of which are core to RBI’s role.
Chinmay’s Strategy for RBI Grade B Preparation
Let’s take a look at the methods that Chinmay used for his RBI Grade B preparation from below:
Selective Reading Over Rote Learning
Chinmoy didn’t try to study everything. Instead, he focused on RBI’s official publications and circulars, Government schemes relevant to the economy, Newspaper editorial sections (especially from The Hindu and Indian Express) and YouTube videos for conceptual clarity. This focused study strategy saved time and helped him retain key concepts.
Mental Preparation and a Positive Mindset
One of Chinmoy’s strongest tools was his mindset. He didn’t let the fear of difficulty or past failures break him. His approach included keeping an open mind before exams. He also made sure that he didn’t take the ‘tough paper’ rumors too seriously.
Besides that, he accepted that every paper came with a new opportunity and avoided burnout through balanced study schedules. His calm approach reminds aspirants that mental stamina is just as important as knowledge.
Using Active Recall and Flashcards
Chinmoy used digital pens, flashcards, and short notes for revision. His strategy simply included focusing on weak areas daily. He also made use of flashcards for definitions and data points and revised previously covered topics. This approach helped reinforce memory through active recall, a technique known to improve retention.
Mock Tests for Practice and Confidence
Along with other strategies, the RBI Grade B Mock Tests were a core part of Chinmoy’s preparation. He used them to benchmark himself against other aspirants and improve time management while identifying knowledge gaps.
Importantly, he focused on percentile, not just marks. This helped him stay calm even if he didn’t score very high in a particular test.
Interview Experience: Honesty Beats Perfection
Chinmoy’s RBI interview was a turning point. He was nervous in the beginning and admits struggling with a few current affairs questions. But he recovered by answering questions honestly and expressing a genuine interest in finance. He also linked his answers to real-world examples from his job.
His advice: “You don’t need to be perfect. Just be authentic and show that you’re eager to learn.” He also suggests mock interviews with peers or mentors as a great way to reduce anxiety and improve clarity.
Importance of Current Affairs in RBI Grade B
Chinmoy emphasizes that General Awareness (GA) is not about mugging up facts. It’s about understanding the economic and financial context. It is also about knowing government schemes, RBI functions, and policy decisions while staying updated with daily news
He skipped less relevant topics like sports and detailed science and focused instead on dynamic current affairs. Recommended GA Sources include the RBI website, BeePedia platform from ixamBee, PIB releases, Business newspapers (Mint, Economic Times), Vision IAS monthly magazines (for schemes and policy)
Study Plan Breakdown Based on Chinmoy’s Approach
Take a look at the study plan that we have created from Chinmoy’s own strategies. You can use this to prepare for your RBI Grade B exam or other regulatory body exams too.
| Section | Strategy |
| GA | Focus on economic schemes, RBI circulars, editorials |
| ESI | Conceptual clarity using standard books + YouTube lectures |
| FM | Use short notes and RBI notifications for practical application |
| English Descriptive | Practice essays using mock tests and editorial reading |
| Interview Prep | Peer discussions, mock interviews, review of work experience relevance |
Smart Revision Techniques That Worked for Chinmoy
Chinmoy adopted some simple yet powerful revision techniques that helped him stay on track throughout his RBI Grade B preparation. One of his go-to tools was using flashcards for quick and effective reviews.
These helped him actively recall important facts and concepts without spending too much time. He also found that teaching others what he had learned made his own understanding much clearer—it’s a method that forces you to simplify and explain concepts in a way that’s easy to grasp.
Every weekend, he made it a point to revisit his notes, which ensured he never lost touch with previously studied topics. Additionally, Chinmoy created one-pagers for each major topic. These condensed notes became especially useful during last-minute revision, giving him a clear and organized view of the syllabus.
Mindset Shifts That Made the Difference for Chinmoy
More than just study strategies, Chinmoy believes that changing his mindset played a major role in his success. He noticed that many aspirants fall into the trap of over-preparation and still underperform due to stress or comparison.
To avoid this, he set realistic daily goals that were manageable and focused on progress rather than perfection. He made a conscious effort not to compare his journey with others, understanding that everyone moves at their own pace. Most importantly, he kept a long-term view of his career in mind.
For him, cracking the RBI Grade B exam wasn’t the only goal—it was a step toward something bigger. Even if he had failed, he believed the knowledge and skills he gained would still be useful in the future. This shift in thinking helped him stay calm, focused, and consistent throughout his preparation. Take a look at the video below to understand this better:
Key Takeaways for RBI Grade B 2025 Aspirants
- Background Doesn’t Limit You: You can be from any stream—engineering, humanities, or science. What matters is how well you adapt and learn finance and economics for the exam.
- Concept Beats Cramming: Rote learning doesn’t work for RBI. You need to understand concepts like inflation, monetary policy, and financial systems in depth.
- Mindset is Everything: Don’t fear failure. Chinmoy succeeded after facing several rejections. Mental strength and positivity will take you far.
- Newspapers are Your Best Friends: Read one editorial every day. It improves your understanding of economic issues and also boosts your descriptive writing skills.
- Mock Tests Are Not Just Practice: Take mock tests regularly. Don’t worry about marks. Learn from mistakes and improve gradually.
- Interviews Test Your Personality, Not Just Knowledge: Panels look for genuine interest, communication skills, and honesty. Prepare well but don’t fake it.
- Track Your Performance: Use spreadsheets or apps to track scores, improvement areas, and daily targets.
Summing Up
Chinmoy’s story is proof that success in RBI Grade B is not reserved for toppers or commerce graduates. It’s for anyone willing to work smart, stay consistent, and approach the exam with the right attitude.
Whether you’re starting fresh or have faced failures before, this blog should reassure you that with the right preparation strategy and mindset, you can reach your goal too.
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How Satyendra Cleared RBI Grade B After 5 Attempts
RBI Grade B Success Story 2024: How Tanay Gorav Became RBI Grade B 2024 Topper
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