Banking & Insurance · RBI · Updated 19 October 2026
RBI Grade B 2026Exam Date, Eligibility, Pattern, Syllabus, Cut-Off and Free Mock Test
Conducted by the Reserve Bank of India Services Board, the RBI Grade B exam recruits managerial officers across General (DR), DEPR, and DSIM cadres at India's central bank. It comprises a high-difficulty Phase I aptitude and GA test, a hybrid objective-cum-descriptive Phase II on Economics, Finance, and Management, and a board interview.
- Type
- Recruitment
- Level
- National
- Conducting body
- RBI
Start for free with RBI Grade B syllabus study notes, solved previous year papers, real-pattern mock tests and AI Tutor support.
RBI Grade B exam overview and highlights
About RBI Grade B
RBI Grade B (DR) recruits Officers in Grade B for the Reserve Bank of India in three streams: General, Department of Economic and Policy Research (DEPR) and Department of Statistics and Information Management (DSIM). It is conducted by the RBI Services Board and has three phases: an online objective Phase I, a Phase II with objective and descriptive papers, and an interview. It is one of the most sought-after regulatory body exams because of the pay, role and career path in the central bank.
The examination process for RBI Grade B comprises 3 stages: Phase I, followed by Phase II (General stream), followed by Interview. The official syllabus tests candidates across 6 core areas — General Awareness (Phase I), Reasoning, Quantitative Aptitude and English (Phase I), Economic and Social Issues, Finance, Management, English (Writing Skills) — focusing on conceptual clarity, speed, and accuracy. Phase I is qualifying only. Final merit is based on the combined marks of Phase II and the interview, with a minimum needed in each Phase II paper.
Key subjects
- General Awareness (Phase I)
- Reasoning, Quantitative Aptitude and English (Phase I)
- Economic and Social Issues
- Finance
- Management
- English (Writing Skills)
What clearing RBI Grade B leads to
- Officer in Grade B (General) in the Reserve Bank of India
- Officer in Grade B (DEPR) in the Reserve Bank of India
- Officer in Grade B (DSIM) in the Reserve Bank of India
- Compensation & Pay Scale: Starting basic pay ₹78,450 a month for Grade B officers, with initial gross monthly emoluments of about ₹1,54,936 (without HRA)
- Central / Institutional appointment through Reserve Bank of India Services Board (RBISB) merit recommendation
- Structured time-scale promotions, Departmental Promotion Committee (DPC) elevation, and central allowances (DA, HRA, TA, Medical & NPS)
Quick facts
- Conducting body
- Reserve Bank of India Services Board (RBISB)
- Frequency
- Usually once a year
- Exam mode
- Online (computer-based test); Phase II descriptive answers are typed
- Languages
- English and Hindi (except the English paper)
- Stages & papers
- 3 stages (9 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
- opportunities.rbi.org.in
RBI Grade B — Key Highlights & Official Particulars
Complete snapshot of RBI Grade B conducting authority, frequency, mode, stages, negative marking and official portal.
| Particulars | Details |
|---|---|
| Exam Name | RBI Grade B |
| Conducting Body | Reserve Bank of India Services Board (RBISB) |
| 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 April and July; Phase I about six weeks later; Phase II about six weeks after Phase I; interviews within a few months, with the final result about three months after Phase II |
| Mode of Application | Online on opportunities.rbi.org.in |
| Mode of Examination | Online (computer-based test); Phase II descriptive answers are typed |
| Medium / Exam Languages | English and Hindi (except the English paper) |
| Selection Stages | 3 Stages (9 Papers Total): Phase I → Phase II (General stream) → 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 is based on the combined marks of Phase II and the interview, with a minimum needed in each Phase II paper. |
| Educational Qualification | General stream: graduation with at least 60 percent marks (50 percent for SC, ST and PwBD), or a postgraduate degree with at least 55 percent (pass marks for SC, ST and PwBD). DEPR: a master's degree in economics or finance, or related, with the specified marks. DSIM: a master's degree with at least 55 percent in statistics, mathematics, econometrics, informatics, data science, AI, machine learning, big data analytics or related fields, or a four-year bachelor's degree with at least 60 percent in these subjects |
| Age Limit | 21 to 30 years, with relaxation for reserved categories and for candidates with MPhil or PhD, as per the notification |
| Pay Scale / Salary Structure | Starting basic pay ₹78,450 a month for Grade B officers, with initial gross monthly emoluments of about ₹1,54,936 (without HRA) |
| Merit Panel Validity | Valid for the notified recruitment cycle and reserve list period |
| Competition Scale | Over a lakh applicants for a few hundred posts |
| Official Website | opportunities.rbi.org.in |
Summary for orientation only, last reviewed October 2026. Check eligibility, dates and pattern in the official notification.
RBI Officers in Grade B (DR), General, DEPR and DSIM, Panel Year 2026 (Advt. No. RBISB/DA/01/2026-27): important dates, vacancy and application process
Last verified on 19 October 2026 against the official notification. Always confirm dates on the official website before you apply.
| Event | Date | Status |
|---|---|---|
| Notification released | 29 Apr 2026 | Done |
| Online registration and fee payment | 29 Apr to 20 May 2026 | Done |
| Edit window for applications | 25 to 26 May 2026 | Done |
| Phase I (General) | 13 Jun 2026 | Done |
| Phase I (DEPR and DSIM) | 14 Jun 2026 | Done |
| Phase I results | Jun to Jul 2026 | Done |
| Phase II (General) | 25 Jul 2026 | Done |
| Phase II (DEPR and DSIM) | 26 Jul 2026 | Done |
| Phase II results and interview shortlists | Aug 2026 | Done |
| Final result (General) | Oct 2026 | Done |
- Vacancies
- 60 in total: 40 General, 10 DEPR and 10 DSIM
- Salary
- Starting basic pay ₹78,450 a month in the scale ₹78,450-4,050(9)-1,14,900-EB-4,050(2)-1,23,000-4,650(4)-1,41,600; initial gross emoluments about ₹1,54,936 a month without HRA
- Application fee
- ₹850 plus 18% GST for General, OBC and EWS candidates; ₹100 plus 18% GST (intimation charges only) for SC, ST and PwBD candidates; nil for eligible RBI staff
Latest updates
- 29 Apr 2026: RBI Services Board notified 60 Grade B (DR) posts for Panel Year 2026.
- 29 Apr 2026: DSIM eligibility now also covers a master's in data science, AI, machine learning or big data analytics, or a four-year bachelor's with 60 percent in the listed subjects.
- Aug 2026: Phase II results were declared for all three cadres; shortlisted candidates had to complete an online Personality Assessment (not scored) before the interview.
- Oct 2026: The final result for the General cadre was published; recommended candidates must post the attestation form within two weeks.
- As of 19 Oct 2026, final results for the DEPR and DSIM cadres had not been posted.
Interview dates were sent to candidates by email and were not published on the website. Result months are taken from the dated result pages and their linked files on rbi.org.in.
Sources: RBI Grade B (DR) PY 2026 advertisement, RBI scheme of selection for Grade B (DR) General, Appendix II, RBI edit window notice, RBI Phase I admit card and information handout (General), RBI Phase I result (General), RBI Phase II admit card and information handouts, RBI Phase II result (General), RBI Phase II result (DEPR), RBI Phase II result (DSIM), RBI final result (General)
How to apply online for RBI Grade B
One-Time Registration (OTR) & Portal Login
Visit opportunities.rbi.org.in and complete your candidate registration using a valid email ID, active mobile number, and Aadhaar / government photo ID details. Online on opportunities.rbi.org.in.
Fill Academic, Personal & Exam Centre Preferences
Log in to open the RBI Grade B 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 RBI Grade B Confirmation Page / Application PDF for admit card and verification stages.
RBI Grade B eligibility criteria and age relaxation
Candidates applying for RBI Grade B must fulfil the academic qualification, age limit, nationality and category reservation rules notified by RBI.
Educational qualification
General stream: graduation with at least 60 percent marks (50 percent for SC, ST and PwBD), or a postgraduate degree with at least 55 percent (pass marks for SC, ST and PwBD). DEPR: a master's degree in economics or finance, or related, with the specified marks. DSIM: a master's degree with at least 55 percent in statistics, mathematics, econometrics, informatics, data science, AI, machine learning, big data analytics or related fields, or a four-year bachelor's degree with at least 60 percent in these subjects.
Age limit & relaxations
21 to 30 years, with relaxation for reserved categories and for candidates with MPhil or PhD, as per the notification.
Number of attempts
General category candidates are usually limited to a fixed number of attempts, as specified in the notification.
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.
RBI Grade B — 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. |
RBI Grade B 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 is based on the combined marks of Phase II and the interview, with a minimum needed in each Phase II paper.
Stage 1: Phase I
Online (computer-based test) • 5 Papers (General Awareness, English Language, Quantitative Aptitude + 2 more) • 400 Questions • 400 Total Marks • An objective test of 200 questions for 200 marks in 120 minutes with four sections.
An objective test of 200 questions for 200 marks in 120 minutes with four sections. It is qualifying for Phase II, with both sectional and overall cut-offs.
Paper / Section Questions Marks Duration General Awareness 80 80 Varies English Language 30 30 Varies Quantitative Aptitude 30 30 Varies Reasoning 60 60 Varies Total 200 200 120 minutes Stage 2: Phase II (General stream)
Online, with descriptive answers typed on the computer • 3 Papers (Paper I: Economic and Social Issues, Paper II: English (Writing Skills), Paper III: General Finance and Management) • 300 Total Marks • Duration: 120 minutes • Three papers of 100 marks each.
Three papers of 100 marks each. Economic and Social Issues and Finance and Management each have an objective part and a descriptive part, while English is fully descriptive. Phase II marks count in the final merit.
Paper / Section Questions Marks Duration Paper I: Economic and Social IssuesHalf objective, half descriptive Varies 100 120 minutes Paper II: English (Writing Skills)Descriptive: essay, precis and comprehension Varies 100 90 minutes Paper III: General Finance and ManagementHalf objective, half descriptive Varies 100 120 minutes Stage 3: Interview
Online (computer-based test); Phase II descriptive answers are typed • 1 Paper (Personal interview) • 75 Total Marks • A personal interview of 75 marks for candidates shortlisted on Phase II marks.
A personal interview of 75 marks for candidates shortlisted on Phase II marks. Before the interview, candidates must complete a Personality Assessment that carries no marks. The final merit is based on Phase II and interview marks.
Paper / Section Questions Marks Duration Personal interview Varies 75 Varies Stage 4: Document Verification, Medical Fitness & Final Cadre/Post Allotment
In-person verification by Reserve Bank of India Services Board (RBISB) • 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.
RBI Grade B 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.
General Awareness (Phase I) — Part I (Current affairs of the last six months)
- Current affairs of the last six months
- Banking and financial awareness
- RBI functions and monetary policy
- Economic survey and budget
General Awareness (Phase I) — Part II (Government schemes)
- Government schemes
- International organisations
- Static GK
Reasoning, Quantitative Aptitude and English (Phase I) — Part I (Puzzles and seating arrangement)
- Puzzles and seating arrangement
- Syllogism and inequalities
- Input-output and coding
- Data interpretation
Reasoning, Quantitative Aptitude and English (Phase I) — Part II (Arithmetic and series)
- Arithmetic and series
- Reading comprehension
- Error spotting and cloze test
Economic and Social Issues: Growth and development, national income & Indian economy
- Growth and development, national income, poverty
- Indian economy: sectors, reforms, balance of payments
- Globalisation, WTO, IMF and World Bank
- Social structure, demographic trends, education and health
- Social justice and positive discrimination
- Government schemes and policies
- Sustainable development and environment
Finance: Financial system & Financial markets
- Financial system: regulators, RBI, SEBI, banks and NBFCs
- Financial markets: money, capital, forex
- Financial instruments and derivatives
- Risk management in banking
- Basel norms and banking regulation
- Public finance, fiscal policy and budget
- Financial inclusion and digital payments
- Corporate governance
Management: Management fundamentals and functions & Leadership and motivation theories
- Management fundamentals and functions
- Leadership and motivation theories
- Organisational behaviour
- Human resource development
- Communication
- Corporate governance and ethics
- Change management
English (Writing Skills): Essay writing & Precis writing
- Essay writing
- Precis writing
- Reading comprehension
- Grammar and expression
- Structured argument on economic themes
RBI Grade B salary, pay scale, job profile & career growth
Starting basic pay ₹78,450 a month for Grade B officers, with initial gross monthly emoluments of about ₹1,54,936 (without HRA). Appointments under Reserve Bank of India Services Board (RBISB) carry structured pay progression, statutory allowances, and time-bound departmental promotions.
Pay Scale & Grade Structure
Starting basic pay ₹78,450 a month for Grade B officers, with initial gross monthly emoluments of about ₹1,54,936 (without HRA).
Appointing / Cadre Authority
Reserve Bank of India Services Board (RBISB) (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 Reserve Bank of India Services Board (RBISB))
- 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
RBI Grade B cut-off trends, score normalization and safe target score
Reserve Bank of India Services Board (RBISB) releases stage-wise and category-wise RBI Grade B 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.
RBI Grade B — 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 RBI Grade B is conducted across multiple shifts or sessions, Reserve Bank of India Services Board (RBISB) 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 RBI Grade B Cut-Off
- Total number of notified vacancies / available seats across participating cadres and institutions
- Total number of registered vs actual appearing candidates in the RBI Grade B 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
RBI Grade B admit card, answer key and result guide
City slip 10–15 days prior • Admit Card 4–10 days before exam
RBI Grade B Exam City Intimation & Admit Card
Reserve Bank of India Services Board (RBISB) releases the advance Exam City Intimation Slip followed by the official RBI Grade B Hall Ticket / e-Admit Card on opportunities.rbi.org.in. 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 RBI Grade B 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
RBI Grade B Provisional Answer Key & Objection Window
After conclusion of the objective test, Reserve Bank of India Services Board (RBISB) uploads the candidate response sheet and Provisional Answer Key on opportunities.rbi.org.in. 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
RBI Grade B Result, Scorecard & Merit List / Counselling
Reserve Bank of India Services Board (RBISB) declares the RBI Grade B result as a stage-wise Merit List PDF (with roll numbers and category cut-offs) and individual Normalized Scorecards on opportunities.rbi.org.in. Shortlisted candidates proceed to the next stage, Document Verification, or Centralised Counselling.
- Download and save your official RBI Grade B 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
RBI Grade B mock tests
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RBI Grade B previous year papers
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Predicted questions for RBI Grade B
High-probability questions and topics for your next exam
How to prepare for RBI Grade B
- General Awareness is 80 of 200 marks in Phase I, so follow economic and financial news daily and revise RBI publications such as the annual report and monetary policy statements.
- Phase II decides your merit; begin ESI and Finance and Management preparation alongside Phase I rather than after it.
- Practice descriptive answers for ESI and FM within the time limit, because the descriptive parts need structured, typed responses.
- Read the Economic Survey, Union Budget and RBI reports, since questions in both phases are drawn from them.
- For the English paper, write one essay and one precis every week on economic or social themes and check them for structure and word limits.
- Prepare interview answers on current monetary policy, inflation, banking regulation and your academic background.
RBI Grade B FAQs
What is the eligibility for RBI Grade B General stream?
Graduation with at least 60 percent marks (50 percent for SC, ST and PwBD), or a postgraduate degree with at least 55 percent (pass marks for SC, ST and PwBD), and an age of 21 to 30 years, with relaxations as per the notification.
Is RBI Grade B Phase I qualifying only?
Yes. Phase I marks are used only to shortlist candidates for Phase II. The final merit is based on Phase II and interview marks.
How many attempts are allowed for RBI Grade B?
General category candidates are limited to a fixed number of attempts specified in the notification; there is usually no limit for reserved categories.
Is there negative marking in RBI Grade B?
Yes. One-fourth of the marks assigned to a question is deducted for each wrong answer in the objective parts of Phase I and Phase II.
What is the difference between RBI Grade B General, DEPR and DSIM?
General is open to graduates of any discipline and tests economics, finance and management. DEPR requires an economics or finance master's and tests economics in depth. DSIM requires a statistics or mathematics master's and tests statistics.
Is RBI Grade B harder than SBI PO?
RBI Grade B has a different focus. Its Phase II requires descriptive writing on economics, finance and management, which makes preparation longer and more conceptual than a bank PO exam.
What is the selection process and exam pattern for RBI Grade B?
RBI Grade B is conducted by Reserve Bank of India Services Board (RBISB) across 3 stages: Phase I → Phase II (General stream) → Interview. Phase I is qualifying only. Final merit is based on the combined marks of Phase II and the interview, with a minimum needed in each Phase II paper.
What is the age limit and educational qualification for RBI Grade B?
Educational Qualification: General stream: graduation with at least 60 percent marks (50 percent for SC, ST and PwBD), or a postgraduate degree with at least 55 percent (pass marks for SC, ST and PwBD). DEPR: a master's degree in economics or finance, or related, with the specified marks. DSIM: a master's degree with at least 55 percent in statistics, mathematics, econometrics, informatics, data science, AI, machine learning, big data analytics or related fields, or a four-year bachelor's degree with at least 60 percent in these subjects. Age Limit: 21 to 30 years, with relaxation for reserved categories and for candidates with MPhil or PhD, as per the notification.
What is the salary and job profile after clearing RBI Grade B?
Starting basic pay ₹78,450 a month for Grade B officers, with initial gross monthly emoluments of about ₹1,54,936 (without HRA).
When is the RBI Grade B notification released and how can I apply online?
RBI Grade B is held usually once a year (Notification usually between April and July; Phase I about six weeks later; Phase II about six weeks after Phase I; interviews within a few months, with the final result about three months after Phase II). Online on opportunities.rbi.org.in.
How can I prepare for RBI Grade B on SmartRank?
Select RBI Grade B as your target exam on SmartRank to get chapter-by-chapter study material built around its syllabus covering General Awareness (Phase I), Reasoning, Quantitative Aptitude and English (Phase I), Economic and Social Issues, Finance, solved previous year question papers, topic and full-length mock tests in the exact RBI Grade B pattern, a timed exam simulator, subject-wise analytics, an adaptive daily study plan and an AI Tutor.