Descriptive Prep: Brajesh Mohan

Under the ECL norms, banks will be required to classify financial assets (primarily loans, including irrevocable loan commitments, and investments classified as held-to-maturity or available-for-sale) into one of the three categories Stage 1, Stage 2, and Stage 3, depending upon the assessed credit losses on them at the time of initial recognition as well as on each subsequent reporting date and make necessary provisions. Further, he said, it is proposed to make the revised Basel III capital adequacy norms effective for commercial banks (excluding SFBs, PBs and RRBs) from April 1, 2027. These measures will help align RBI's guidelines with international standards adapted to our national conditions and priorities, and strengthen the capital adequacy framework for banks and All India Financial Institutions.

Essay Topics for PFRDA Grade A with Pension Sector in Focus. - Social Security for All: Vision, Challenges, and the Way Forward - Role of Pension Funds in Ensuring Financial Security for India’s Aging Population - Financial Literacy: The Cornerstone of Inclusive Growth - Achieving India’s Demographic Dividend through Inclusive Pension Coverage - Importance of Long-term Savings and Investments in Nation Building - Role of Technology and FinTech in Transforming Pension and Investment Ecosystem - Retirement Planning in the Age of Gig Economy and Informal Workforce - Challenges of Balancing Regulation and Innovation in Financial Markets - Empowering the Elderly: Policies, Pensions, and Dignity in Aging - National Pension System (NPS): Expanding Coverage and Ensuring Sustainability - Pension Sector Reforms and the Role of PFRDA in India’s Financial Architecture - Cybersecurity in the Era of AI-Driven Financial Services - Deepening Retail Participation in Financial Markets: Challenges and Opportunities - Atal Pension Yojana and the Goal of Universal Pension Coverage - Role of Financial Regulators in Promoting Investor Confidence and Market Discipline - Sustainable Finance and ESG Investing: Aligning Growth with Responsibility - Artificial Intelligence and Automation in Pension Fund Management: Opportunities and Risks

RBI Grade B 2025 Phase I Mock Test Series. Validity: 249 Days. It includes Full Length Test, Power Punch GA Test, ESI Current Affairs Test, Sectional Mock Test (Quant and Reasoning) and Chapter Wise Tests. Enroll Now: https://courses.edugrade.in/learn/RBI-Grade-B-2025-Phase-I-Mock-Test-Series