Banking & Insurance · Updated October 2026
NABARD Grade A ExamEligibility, Syllabus, Exam Pattern, Salary, Cut-Off, PYQs and Free Mock Test
Conducted by the National Bank for Agriculture and Rural Development, the NABARD Grade A (RDBS) exam recruits Assistant Managers to spearhead rural credit, agricultural refinancing, and developmental policy. Selection spans an eight-section Phase I screening test, a hybrid objective-and-descriptive Phase II Mains, and a personal interview.
- Type
- Recruitment
- Level
- National
- Conducting body
- Financial regulators
Start for free with NABARD Grade A syllabus study notes, solved previous year papers, real-pattern mock tests and AI Tutor support.
NABARD Grade A exam overview and highlights
About NABARD Grade A
NABARD Grade A recruits Assistant Managers for the National Bank for Agriculture and Rural Development in the Rural Development Banking Service (RDBS), the Rajbhasha service and occasionally other streams. The exam has three phases: an online objective Preliminary examination, a Main examination with descriptive papers, and an interview. The syllabus has a strong focus on agriculture, rural development and economic and social issues.
The examination process for NABARD Grade A comprises 3 stages: Phase I: Preliminary examination, followed by Phase II: Main examination, followed by Phase III: Interview. The official syllabus tests candidates across 5 core areas — Agriculture and Rural Development, Economic and Social Issues, General English (descriptive), General Awareness and Computer Knowledge, Reasoning, Quantitative Aptitude and Decision Making — focusing on conceptual clarity, speed, and accuracy. Phase I is qualifying only. Final merit combines Phase II marks and interview marks, with the notification stating the exact split.
Key subjects
- Agriculture and Rural Development
- Economic and Social Issues
- General English (descriptive)
- General Awareness and Computer Knowledge
- Reasoning, Quantitative Aptitude and Decision Making
What clearing NABARD Grade A leads to
- Assistant Manager (Grade A) in NABARD, Rural Development Banking Service and other streams
- Compensation & Pay Scale: Starting basic pay around ₹44,500 for Assistant Managers, with gross monthly pay close to ₹1 lakh including allowances
- Central / Institutional appointment through National Bank for Agriculture and Rural Development (NABARD) merit recommendation
- Structured time-scale promotions, Departmental Promotion Committee (DPC) elevation, and central allowances (DA, HRA, TA, Medical & NPS)
- All-India or zonal ministry, department, PSU, or public sector field and headquarters postings
- Deputation opportunities to central autonomous bodies, ministries, regulatory authorities, and international assignments
Quick facts
- Conducting body
- National Bank for Agriculture and Rural Development (NABARD)
- Frequency
- Usually once a year
- Exam mode
- Online (computer-based test); Main descriptive answers are typed
- Languages
- English and Hindi (except the English paper)
- Stages & papers
- 3 stages (12 papers total)
- Negative marking
- One-fourth of the marks assigned to a question is deducted for each wrong answer in the objective tests
- Official website
- www.nabard.org
NABARD Grade A — Key Highlights & Official Particulars
Complete snapshot of NABARD Grade A conducting authority, frequency, mode, stages, negative marking and official portal.
| Particulars | Details |
|---|---|
| Exam Name | NABARD Grade A |
| Conducting Body | National Bank for Agriculture and Rural Development (NABARD) |
| Exam Category | Banking & Insurance |
| Exam Level | National level |
| Exam Type & Purpose | Recruitment (Direct Recruitment & Cadre Selection) |
| Exam Frequency | Usually once a year |
| Usual Notification & Exam Window | Notification usually between July and September; Phase I about six weeks later; Phase II a month or so after; interviews a few months later |
| Mode of Application | Online through the careers section on nabard.org |
| Mode of Examination | Online (computer-based test); Main descriptive answers are typed |
| Medium / Exam Languages | English and Hindi (except the English paper) |
| Selection Stages | 3 Stages (12 Papers Total): Phase I: Preliminary examination → Phase II: Main examination → Phase III: Interview |
| Negative Marking | One-fourth of the marks assigned to a question is deducted for each wrong answer in the objective tests |
| Selection / Merit Process | Phase I is qualifying only. Final merit combines Phase II marks and interview marks, with the notification stating the exact split. |
| Educational Qualification | General stream: graduation in any discipline with at least 60 percent marks (55 percent for SC, ST and PwBD), or a postgraduate degree with the specified marks. Specialist streams require relevant degrees in agriculture, animal husbandry, forestry, economics, finance, statistics and similar fields |
| Age Limit | 21 to 30 years, with relaxation for reserved categories as per government rules |
| Pay Scale / Salary Structure | Starting basic pay around ₹44,500 for Assistant Managers, with gross monthly pay close to ₹1 lakh including allowances |
| Merit Panel Validity | Valid for the notified recruitment cycle and reserve list period |
| Competition Scale | Well over a lakh applicants for around a hundred to a couple of hundred posts |
| Official Website | www.nabard.org |
Summary for orientation only, last reviewed October 2026. Check eligibility, dates and pattern in the official notification.
NABARD Grade A exam schedule, vacancy, fee and online application process
Standard annual cycle and application workflow for NABARD Grade A. Confirm exact notification and closing dates on the official Financial regulators website.
| Examination Event | Typical Calendar Window | Cycle / Mode |
|---|---|---|
| NABARD Grade A Official Notification & Information Bulletin | Notification usually between July and September; Phase I about six weeks later; Phase II a month or so after; interviews a few months later | Usually once a year |
| Online Registration & Application Fee Window | Typically remains open for 21 to 30 days from the date of notification release | Online Portal |
| Application Form Correction / Edit Window | 2 to 5 days immediately following the close of the online registration window | As Notified |
| Exam City Intimation & Admit Card Release | City slip 10–15 days prior; Hall Ticket / E-Admit Card 4 to 10 days before the exam date | Via National Bank for Agriculture and Rural Development (NABARD) |
| NABARD Grade A — Phase I: Preliminary examination | Notification usually between July and September; Phase I about six weeks later; Phase II a month or so after; interviews a few months later | Online (computer-based test); Main descriptive answers are typed |
| NABARD Grade A — Phase II: Main examination | Typically 6 to 12 weeks after declaration of Stage 1 results | Shortlisted Candidates |
| Provisional Answer Key & Objection Representation Window | Within 3 to 10 days after completion of the objective examination shifts | Online Challenge |
| Final Answer Key, Normalized Result & Merit List / Scorecard | Typically 3 to 6 weeks after conclusion of the examination stage | Merit List PDF / Login |
- Vacancies & Competition
- Well over a lakh applicants for around a hundred to a couple of hundred posts. Exact post-wise, department-wise, and category-wise (UR, EWS, OBC, SC, ST, ESM, PwBD) vacancies are notified in the official NABARD Grade A recruitment advertisement published by National Bank for Agriculture and Rural Development (NABARD).
- Application Fee & Payment Norms
- Standard Banking & Insurance application fee slabs apply: typically ₹750 to ₹850 (inclusive of GST) for General/OBC/EWS candidates, and ₹125 to ₹175 (intimation charges only) for SC/ST/PwBD/Ex-Servicemen candidates via online payment.
How to apply online for NABARD Grade A
One-Time Registration (OTR) & Portal Login
Visit www.nabard.org and complete your candidate registration using a valid email ID, active mobile number, and Aadhaar / government photo ID details. Online through the careers section on nabard.org.
Fill Academic, Personal & Exam Centre Preferences
Log in to open the NABARD Grade A application form. Enter your qualifying degree/board details, category/reservation status, medium of examination (English and Hindi (except the English paper)), and choose 3 to 4 preferred test cities.
Upload Photograph, Signature & Category Certificates
Upload a recent passport-size photograph (in prescribed KB dimensions and light background), scanned running-hand signature, and valid SC/ST/OBC-NCL/EWS/PwBD/Domicile certificates where applicable.
Online Application Fee Payment & Confirmation Page
Pay the category-wise examination fee via UPI, Net Banking, Debit/Credit Card, or e-Challan before the closing deadline, then download and preserve the final NABARD Grade A Confirmation Page / Application PDF for admit card and verification stages.
NABARD Grade A eligibility criteria and age relaxation
Candidates applying for NABARD Grade A must fulfil the academic qualification, age limit, nationality and category reservation rules notified by Financial regulators.
Educational qualification
General stream: graduation in any discipline with at least 60 percent marks (55 percent for SC, ST and PwBD), or a postgraduate degree with the specified marks. Specialist streams require relevant degrees in agriculture, animal husbandry, forestry, economics, finance, statistics and similar fields.
Age limit & relaxations
21 to 30 years, with relaxation for reserved categories as per government rules.
Number of attempts
Unlimited attempts permitted as long as the candidate remains within the eligible category-wise upper age limit as on the crucial cut-off date.
Nationality & domicile
Citizen of India, or other categories permitted under the notification.
Other conditions & standards
Candidates must satisfy the prescribed medical fitness, character verification, and document authenticity norms (including valid EWS/OBC-NCL/SC/ST/PwBD certificates in the prescribed format) at the time of verification.
NABARD Grade A — Category-Wise Upper Age Relaxation & Reservation Norms
| Category | Age Relaxation / Rule | Key Conditions & Documentation |
|---|---|---|
| Scheduled Caste (SC) / Scheduled Tribe (ST) (Central Government Norms) | +5 Years above prescribed upper age limit | Requires valid SC/ST certificate in the prescribed Government of India format. |
| Other Backward Classes — Non-Creamy Layer (OBC-NCL) (Central Government Norms) | +3 Years above prescribed upper age limit | Candidate must fall outside the Creamy Layer as on the crucial closing date of the online application. |
| Persons with Benchmark Disabilities (PwBD — UR / OBC / SC-ST) | +10 Years (UR) / +13 Years (OBC) / +15 Years (SC/ST) | Subject to post suitability and 40%+ benchmark disability certificate under the RPwD Act, 2016. |
| Ex-Servicemen (ESM) & Commissioned Officers (ECO / SSCO) | +3 to 5 Years after deducting military service rendered from actual age | Must produce discharge book / NOC from the competent defence authority at document verification. |
NABARD Grade A selection process and exam pattern
Negative Marking & Evaluation Rule: One-fourth of the marks assigned to a question is deducted for each wrong answer in the objective tests. Selection & Merit Weightage: Phase I is qualifying only. Final merit combines Phase II marks and interview marks, with the notification stating the exact split.
Stage 1: Phase I: Preliminary examination
Online (computer-based test) • 9 Papers (Test of Reasoning, English Language, Computer Knowledge + 6 more) • 400 Questions • 400 Total Marks • An objective test of 200 questions for 200 marks in 120 minutes across eight sections.
An objective test of 200 questions for 200 marks in 120 minutes across eight sections. Some sections are qualifying only while the Economic and Social Issues and Agriculture and Rural Development sections count for merit in shortlisting.
Paper / Section Questions Marks Duration Test of ReasoningQualifying 20 20 Varies English LanguageQualifying 30 30 Varies Computer KnowledgeQualifying 20 20 Varies Quantitative AptitudeQualifying 20 20 Varies Decision MakingQualifying 10 10 Varies General AwarenessQualifying 20 20 Varies Economic and Social Issues (with focus on rural India)Counted for merit 40 40 Varies Agriculture and Rural Development (with focus on rural India)Counted for merit 40 40 Varies Total 200 200 120 minutes Stage 2: Phase II: Main examination
Online, with descriptive answers typed on the computer • 2 Papers (Paper I: General English, Paper II: Economic and Social Issues and Agriculture and Rural Development (General) or specialist subject) • 200 Total Marks • Duration: 90 minutes • Two papers.
Two papers. Paper I is a descriptive General English test, and Paper II covers Economic and Social Issues and Agriculture and Rural Development (or the specialist subject) with objective and descriptive parts. Main marks count in the final merit.
Paper / Section Questions Marks Duration Paper I: General EnglishDescriptive: essay, precis, report and letter writing Varies 100 90 minutes Paper II: Economic and Social Issues and Agriculture and Rural Development (General) or specialist subjectObjective part followed by a descriptive part Varies 100 120 minutes Stage 3: Phase III: Interview
Online (computer-based test); Main descriptive answers are typed • 1 Paper (Personal interview) • 50 Total Marks • A personal interview for candidates shortlisted from the Main examination.
A personal interview for candidates shortlisted from the Main examination. The final merit is based on Main and interview marks.
Paper / Section Questions Marks Duration Personal interview Varies 50 Varies Stage 4: Document Verification, Medical Fitness & Final Cadre/Post Allotment
In-person verification by National Bank for Agriculture and Rural Development (NABARD) • Original academic, age, category & domicile certificates • Medical fitness examination & final merit allocation
Candidates shortlisted in the final merit list undergo thorough verification of original educational, age, category and domicile certificates followed by a prescribed medical fitness examination before appointment letters and cadre/department allotments are issued.
NABARD Grade A subject-wise syllabus and study material
SmartRank organizes chapter-wise study notes for every subject below in 12 languages, with an AI Tutor on hand for doubts. Start exploring for free, and unlock the complete syllabus with Learn or SmartRank Pass.
Agriculture and Rural Development — Part I (Agronomy, soil and water conservation)
- Agronomy, soil and water conservation
- Crops, seeds and plant breeding
- Horticulture, animal husbandry and fisheries
- Agricultural finance, credit and insurance
Agriculture and Rural Development — Part II (Rural development programmes and Panchayati)
- Rural development programmes and Panchayati Raj
- Agricultural extension and marketing
- Climate change and sustainable agriculture
- NABARD's role and schemes
Economic and Social Issues — Part I (Indian economy)
- Indian economy: growth, inflation, poverty, unemployment
- Rural economy and agriculture in the economy
- Economic reforms and globalisation
- Social structure, demographic trends, health and education
Economic and Social Issues — Part II (Government schemes for rural development)
- Government schemes for rural development
- Financial inclusion and microfinance
- Sustainable development and environment
General English (descriptive) — Part I (Essay writing)
- Essay writing
- Precis writing
- Report writing
General English (descriptive) — Part II (Letter writing)
- Letter writing
- Reading comprehension
General Awareness and Computer Knowledge
- Current affairs
- Banking and financial awareness
- Government schemes
- Computer fundamentals and MS Office
- Internet and networking
Reasoning, Quantitative Aptitude and Decision Making
- Puzzles and seating arrangement
- Syllogism and inequalities
- Data interpretation
- Arithmetic
- Situation-based decision making questions
NABARD Grade A salary, pay scale, job profile & career growth
Starting basic pay around ₹44,500 for Assistant Managers, with gross monthly pay close to ₹1 lakh including allowances. Appointments under National Bank for Agriculture and Rural Development (NABARD) carry structured pay progression, statutory allowances, and time-bound departmental promotions.
Pay Scale & Grade Structure
Starting basic pay around ₹44,500 for Assistant Managers, with gross monthly pay close to ₹1 lakh including allowances.
Appointing / Cadre Authority
National Bank for Agriculture and Rural Development (NABARD) (Central Government / Public Sector Service)
Allowances & Perks
Dearness Allowance (DA), HRA (X/Y/Z cities: 30%/20%/10%), Transport Allowance, CGHS/Medical cover, LTC, and NPS contribution.
Probation & Training
Initial probation period (typically 1 to 2 years) with induction/foundation training before cadre confirmation.
Allowances, Perks & Service Benefits
- Dearness Allowance (DA) revised bi-annually in line with Consumer Price Index (AICPI)
- House Rent Allowance (HRA) or official government quarters / leased accommodation
- Transport Allowance (TA), Leave Travel Concession (LTC), and Children Education Allowance
- Comprehensive medical care (CGHS / ECHS / State Health Scheme) for employee and dependents
- National Pension System (NPS) employer contribution, gratuity, and paid maternity/paternity/study leave
Promotion Hierarchy & Career Progression
- Entry-Level Cadre Appointment (Post allotment & induction training under National Bank for Agriculture and Rural Development (NABARD))
- Senior / Higher Grade Scale via Time-Bound Financial Upgradation (MACP / Dynamic ACP)
- Sectional / Supervisory / Inspector / Assistant Executive Cadre via Departmental Promotion Committee (DPC) or LDCE
- Middle Management / Gazetted / Divisional Officer Scale
- Senior Administrative / Directorate / Executive Leadership Cadre
NABARD Grade A cut-off trends, score normalization and safe target score
National Bank for Agriculture and Rural Development (NABARD) releases stage-wise and category-wise NABARD Grade A cut-off marks at each stage (Prelims/Tier-I shortlisting, Mains/Tier-II evaluation, and Final Merit List). Candidates must clear both minimum qualifying standards and overall/sectional merit cut-offs to advance.
NABARD Grade A — Qualifying Standards & Safe Target Benchmarks
| Category | Qualifying Floor / Standard | Recommended Safe Target |
|---|---|---|
| General / Unreserved (UR) | 30% to 40% Minimum Qualifying Floor | 72% to 82% of Total Marks (95+ Percentile in Mock Tests) |
| General — Economically Weaker Section (GEN-EWS) | 25% to 35% Minimum Qualifying Floor | 68% to 78% of Total Marks |
| Other Backward Classes (OBC-NCL) | 25% to 35% Minimum Qualifying Floor | 68% to 78% of Total Marks |
| Scheduled Caste (SC) / Scheduled Tribe (ST) / PwBD | 20% to 30% Minimum Qualifying Floor | 58% to 70% of Total Marks |
Score Normalization & Marking Impact
When NABARD Grade A is conducted across multiple shifts or sessions, National Bank for Agriculture and Rural Development (NABARD) applies standard score normalization (Equi-Percentile or Mean-Standard Deviation method) to account for any variation in paper difficulty across shifts. Because raw marks are governed by one-fourth of the marks assigned to a question is deducted for each wrong answer in the objective tests, maintaining high accuracy (85%+) significantly boosts your normalized score.
Factors Determining NABARD Grade A Cut-Off
- Total number of notified vacancies / available seats across participating cadres and institutions
- Total number of registered vs actual appearing candidates in the NABARD Grade A cycle
- Relative difficulty level of the question paper (and shift-wise variation in multi-shift CBT exams)
- Category-wise vertical (UR, EWS, OBC-NCL, SC, ST) and horizontal (PwBD, ESM, Women) reservation ratios
- Previous year cut-off trajectory and candidate score distribution at the top percentiles
NABARD Grade A admit card, answer key and result guide
City slip 10–15 days prior • Admit Card 4–10 days before exam
NABARD Grade A Exam City Intimation & Admit Card
National Bank for Agriculture and Rural Development (NABARD) releases the advance Exam City Intimation Slip followed by the official NABARD Grade A Hall Ticket / e-Admit Card on www.nabard.org. No hard copy is sent by post; candidates must log in with their Registration Number and Date of Birth / Password to download it.
- Clear A4 printout of the NABARD Grade A e-Admit Card with visible barcode and photograph
- Original valid Government Photo ID (Aadhaar Card, Passport, Voter ID, Driving Licence, or PAN Card)
- 2 recent passport-size photographs matching the image uploaded in the online application
- PwBD / Scribe certificate and undertaking (if availing compensatory time or scribe facility)
Within 3–10 days after the examination
NABARD Grade A Provisional Answer Key & Objection Window
After conclusion of the objective test, National Bank for Agriculture and Rural Development (NABARD) uploads the candidate response sheet and Provisional Answer Key on www.nabard.org. Candidates can calculate their raw score and submit online representations against any ambiguous question or key discrepancy within the stipulated 48–72 hour window.
- Download your recorded Response Sheet PDF and match Question IDs with the Master Answer Key
- Calculate raw score using the official positive and negative marking formula
- Attach standard textbook / NCERT / official gazette proof if challenging any provisional key
- Review the Final Answer Key published after subject-expert scrutiny of all representations
3–6 weeks after stage completion
NABARD Grade A Result, Scorecard & Merit List / Counselling
National Bank for Agriculture and Rural Development (NABARD) declares the NABARD Grade A result as a stage-wise Merit List PDF (with roll numbers and category cut-offs) and individual Normalized Scorecards on www.nabard.org. Shortlisted candidates proceed to the next stage, Document Verification, or Centralised Counselling.
- Download and save your official NABARD Grade A Scorecard / Rank Letter PDF immediately upon release
- Verify category-wise and sectional cut-off marks in the official result write-up notice
- Keep original matriculation, degree, caste/EWS, and domicile certificates ready for verification
- Track reserve list / multi-round seat allotment updates on the official website
NABARD Grade A mock tests
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NABARD Grade A Full Mock Test 1
Phase I: Preliminary examination · 20 questions
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NABARD Grade A Full Mock Test 2
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NABARD Grade A Full Mock Test 3
Phase I: Preliminary examination · 20 questions
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NABARD Grade A Full Mock Test 4
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NABARD Grade A Full Mock Test 5
Phase I: Preliminary examination · 20 questions
NABARD Grade A previous year papers
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Predicted questions for NABARD Grade A
High-probability questions and topics for your next exam
How to prepare for NABARD Grade A
- ESI and ARD together carry 80 of 200 marks in Prelims and decide the merit for shortlisting, so build these two subjects first.
- Study NABARD's annual report, major government agriculture schemes and rural development programmes, as questions are drawn from them directly.
- Clear the qualifying sections (Reasoning, English, Quant, Computer, Decision Making, General Awareness) with steady practice but do not over-invest in them.
- Practice descriptive writing for the Main examination: essays, precis and reports on rural and agricultural themes within the time limit.
- Candidates from non-agriculture backgrounds should read a standard agriculture guide and revise agricultural terminology before Prelims.
- Read the official NABARD Grade A notification carefully for the exact pattern, eligibility and selection stages.
NABARD Grade A FAQs
What is the eligibility for NABARD Grade A General stream?
Graduation in any discipline with at least 60 percent marks (55 percent for SC, ST and PwBD), or a postgraduate degree with the specified marks, and an age of 21 to 30 years.
Do all sections of NABARD Grade A Prelims count for merit?
No. Only the Economic and Social Issues and Agriculture and Rural Development sections are counted for shortlisting; the other sections are qualifying.
Can candidates without an agriculture background clear NABARD Grade A?
Yes. The General stream is open to all graduates, and many successful candidates come from engineering, commerce and arts backgrounds after preparing the agriculture syllabus.
Is there negative marking in NABARD Grade A?
Yes. One-fourth of the marks assigned to a question is deducted for each wrong answer in the objective tests.
Is the NABARD Grade A Main examination descriptive?
Partly. Paper I (General English) is fully descriptive, and Paper II has both an objective and a descriptive part.
What is the selection process and exam pattern for NABARD Grade A?
NABARD Grade A is conducted by National Bank for Agriculture and Rural Development (NABARD) across 3 stages: Phase I: Preliminary examination → Phase II: Main examination → Phase III: Interview. Phase I is qualifying only. Final merit combines Phase II marks and interview marks, with the notification stating the exact split.
What is the age limit and educational qualification for NABARD Grade A?
Educational Qualification: General stream: graduation in any discipline with at least 60 percent marks (55 percent for SC, ST and PwBD), or a postgraduate degree with the specified marks. Specialist streams require relevant degrees in agriculture, animal husbandry, forestry, economics, finance, statistics and similar fields. Age Limit: 21 to 30 years, with relaxation for reserved categories as per government rules.
What is the salary and job profile after clearing NABARD Grade A?
Starting basic pay around ₹44,500 for Assistant Managers, with gross monthly pay close to ₹1 lakh including allowances.
When is the NABARD Grade A notification released and how can I apply online?
NABARD Grade A is held usually once a year (Notification usually between July and September; Phase I about six weeks later; Phase II a month or so after; interviews a few months later). Online through the careers section on nabard.org.
Where can I practice free NABARD Grade A mock tests and solved previous year papers?
Select NABARD Grade A as your target exam on SmartRank to get chapter-by-chapter study material built around its syllabus covering Agriculture and Rural Development, Economic and Social Issues, General English (descriptive), General Awareness and Computer Knowledge, solved previous year question papers, topic and full-length mock tests in the exact NABARD Grade A pattern, a timed exam simulator, subject-wise analytics, an adaptive daily study plan and an AI Tutor.
How can I prepare for NABARD Grade A on SmartRank?
Select NABARD Grade A as your target exam on SmartRank to get chapter-by-chapter study material built around its syllabus covering Agriculture and Rural Development, Economic and Social Issues, General English (descriptive), General Awareness and Computer Knowledge, solved previous year question papers, topic and full-length mock tests in the exact NABARD Grade A pattern, a timed exam simulator, subject-wise analytics, an adaptive daily study plan and an AI Tutor.