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JUNE 8TH, 2013

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[Question Paper] RBI Grade B Officers: Mains (Phase II) Exam held in 2012, All three papers
RBI Grade B officers Mains (Descriptive) exam was held in April 2012. (for the
recruitment cycle of 2011). Thanks Mr.csl80 for providing the question papers
here.
Paper 1: ENGLISH
Essay (40m)
Prcis writing (24m)
Comprehension (16m)
Letter/Report writing (20m)
Paper 2: ECONOMIC AND SOCIAL ISSUES
Paper 3: FINANCE AND MANAGEMENT

Paper 1: English Paper

Instructions
1.
2.
3.
4.
5.
6.
7.

3 hours, 100 marks

All questions are compulsory.
Figures to the right indicate full marks to each question.
Each question should be answered on a new page.
All parts of a question should be answered together without other answers intervening.
Marks will be deducted if an answer far exceeds or falls short of the set limit or is irrelevant or if the handwriting is illegible.
Answers must be written only in English.
Essay (40m)

Write an argumentative essay in about 500 words on any one of the following topics: 40marks
a.
b.
c.
d.
e.

Can technology bring about economic growth with social justice?

Has the RBI succeeded in curbing inflation?
Can we have a corruption-free sobriety?
Has the economic balance of power tilted eastwards?
Is social net working a blessing or a curse?
Prcis writing (24m)

Make a prcis of the following passage reducing it to about (230 words) and give it a suitable title. Write the prcis on
the special sheet provided for this purpose. 24marks
Microfinance is now understood as a financial activity. But, it actually emerged from development considerations. The need for
access to capital was specifically articulated by women during the UN Conference on Women and Development in Mexico City in
1976. The focus then was on the micro-person, the person with a micro-status in society.
The term microfinance came much later and its association moved from savings to microcredit to financial services. However, the
primary objective of microfinance has always been developmental in nature. All along, it was aimed at removing poverty and
hunger. But these two questions cannot be addressed adequately without factoring in the issue of health.
Financial services are not just about money or giving loans to the poor. They are really about building assets to provide security
and livelihood to poor people. This would be impossible to achieve without taking into account the health status of poor
individuals and their families.
All too frequently, the poor default on paying back their loans cause of ill health and inability to earn during that period. This has
taught us an important lesson: The poor work at the cost of their own body.
A poor womans health and, therefore, her body is the first and foremost asset of her work and her life. For microfinance to
achieve its objective of providing financial services to the poor it has to lay stress on health security as a crucial element of social
security. They are indeed, two sides of the same coin.

When I started organizing informal sector labour in the late 1960s and early 1970s, I asked the poor what they wanted most
invariably, it was work they sought and not charity. Yes, they longed for a better life but not the one without dignity. At the same
time, it was clear that their earnings could easily be wiped out without support services most importantly, health and childcare.
Capacity building in numeracy and literacy also required social security. This is necessary for sustained development and higher
levels of efficiency. This is where microfinance can play an important role and, for this reason, we need more microfinance cooperatives today.
But addressing this and providing health security is currently difficult since insurance schemes are generally not suited to the poor.
We must therefore, develop innovative insurance products that meet the requirements of the poor while satisfying insurance
principles. That is why an integrated approach that links microfinance with healthcare is so essential for development.
A product that has worked well is the deposit-linked life and non-life insurance. As the demand for insurance grows, the need for
an independent, autonomous body offering health insurance to its members grows as well. This is an important social security
measure because, among other things, it can help finance medical expenditure.
The banks can play an important role in this area by providing financial services that cater to the healthcare needs of the poor
borrowers. These include flexible savings and loans and particularly emergency loans on demand. Housing loans too can mitigate
the hardship of the poor improved living conditions lead to better and healthier lifestyle. In this connection one needs to strengthen
the participation of women in banking especially in microfinance.
In the final analysis, it is the women of the household who balance the family budget. They can, therefore, play a vital role in
nourishing not just kinship ties but health and well-being of the family as well. Thus, when she borrows from a Microfinance
Institution (MFI) she sees it not just as access to money but as access to an input that will strengthen her family To ensure that
women continue to play a pivotal role in MIFIs, we have to ensure that they are protected through social security and health
security.
A Government that fails in its duty to provide basic healthcare services at the local level adds to the indebtedness of the poor
workers. That is why, the microfinance sector should collectively take up this policy issue with tie Government. We must
remember that income security and health security are two sides of the same coin, especially for the poor who are at the heart of
MFIs.
Ela Bhatt.
Comprehension (16m)
From the above passage, Answer following Questions in your own words (Any three, 12m)
1.
2.
3.
4.
5.

Trace the in of the term microfinance What has been its aim all along?
Why do the poor default on repayment? What lesson has the author learnt from this experience?
Why does the author say that to truly benefit the needy microfinance sector should focus on the issue of health?
What role can insurance companies and banks play in providing social security to poor borrowers?
Why does the author say that women can play a vital role in ensuring the success of MFIs

Explain contextual meaning of any four (4 marks)

1.
2.
3.
4.
5.
6.

development considerations
crucial element
informal sector
support services
sustained development
integrated approach
Letter/Report writing (20m)

Write Any one of the following (250 words)

1. Indian households have savings of above 30% one of the highest in the world. A Committee has been constituted to
suggest various financial products where these savings can be invested with a view to protecting the principal from inflation
and also to give positive and real returns. Draft the Committee Report.
2. Commuting to office during peak hours has become an ordeal particularly in large cities. This is affecting the efficiency of the
employees. As the HR Manager draft a proposal to be sent to RBI for introducing flexible working hours in the bank.
Highlight the salient features of flexi-time and how it would enhance efficiency at workplace.
3. RBI had issued a Notification directing commercial banks against lending more than 80% of the value of the property for

3. RBI had issued a Notification directing commercial banks against lending more than 80% of the value of the property for
loans above Rs. 20 lakhs. The President of the Association of Real Estate Developers of India has written to RBI stating that
this move does not bode well for developers as it may lead to drop in home sales. On behalf of RBI write a suitable reply to
be sent to the President of the Association. Impress upon the real estate developers that the notification is aimed at curbing
speculation in the market and not at affecting home sales.
The End of Paper I. Moving to next paper

Paper 2: ECONOMIC AND SOCIAL ISSUES

Instructions:
1.
2.
3.
4.
5.
6.
7.
8.

3 hours, 100 marks

Answer any five questions.
All questions carry equal marks.
Answers may be written either in English or in Hindi at the candidates option. However, all the questions should be answered
only in the language so chosen. Answer-books written partly in English and partly in Hindi will not be evaluated.
Part of the same question must be answered together without answers to other questions intervening.
Answer to each question must be started on a fresh page.
Marks will be deducted if handwriting is not easily legible.
Answers will be judged on the basis of perspective, analysis and presentation

Questions (Attempt any five)

1. Examine the banking sector reform measures undertaken in India since 1991. Briefly describe the recent changes in RBIs
monetary policy.
2. Two Questions
i. What is sustainable development? What should be done to achieve it?
ii. What is environment management? Explain social and economic aspects of environment management.
3. Two questions
i. Do you agree with a view that public sector enterprises have played a strategic role in accelerating economic growth?
Explain.
ii. Explain the importance of service sector and its contribution to employment in India.
4. Two Questions
i. Monetary measures have failed to control inflation in India. Explain. (b) Suggest suitable options for controlling
inflation.
ii. Explain the measures and strategies adopted by India on the following subjects
5. Two Question
i. Provision of Social Security
ii. Foreign Direct Investment.
6. Two questions
i. Explain the factors responsible for rapid growth of export over the past decade.
ii. What changes have taken place in the product composition of exports in recent years.
7. Two Questions
i. Religion continues to be an important source of identity for most people in South Asia. Discuss.
ii. Examine the need of secularism in our country with special reference to constitution of India.
8. Two Questions
i. Is creation of smaller states the right solution to improve the quality of governance and check corruption? Discuss.
ii. Explain the changes in public administration in the age of globalization and liberalization.
9. Two Questions
i. Caste factor is most dominant and omnipresent in Indian politics . Discuss the statement with suitable illustration.
ii. Explain the impact of reservation policy on scheduled castes and scheduled tribes.
10. Write notes on any two :
i. Impact of globalization on culture, media and technology.
ii. Role of small and medium enterprises in Indian economy.
iii. Privatization of higher education.
iv. IMF in the changing world.

Paper 3
Instructions
1. 3 hours; 100 marks
2. Attempt any three questions from Section I and any two questions from Section 11.

2.
3.
4.
5.

Attempt any three questions from Section I and any two questions from Section 11.
All questions carry equal marks.
Answers must be brief and to-the-point.
Answers may be written either in English or in Hindi at the candidates option. However, all the questions should be answered
only in the language so chosen. Answer-books written partly in English and partly in Hindi will not be evaluated.
Section I (Write Any Three Qs)

1.
2.
3.
4.
5.

What is meant by merchant banking? Discuss in detail the various functions performed by merchant bankers.
Briefly explain the salient features of the Foreign Exchange Management Act.
A tax is a burden on the present ; a debt (loan) puts the burden of repayment on future generations. Explain.
Explain in detail the different methods of credit control in India.
(a) What is securitization? What purpose does it serve? (b) Discuss the benefits and limitations of securitization.
Section II (Write Any Two Qs)

1.
2.
3.
4.

Sound organization is an essential prerequisite of efficient management. Explain.

What are the major differences between autocratic, democratic and abdicative styles of leadership?
(a) Explain the terms authority and responsibility (b) What is delegation of authority? How can delegation be made effective?
Discuss the role of communication in an organization. What are the barriers to effective communication?
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157 comments to [Question Paper] RBI Grade B Officers: Mains (Phase II) Exam held in 2012, All
three papers

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Parmeshwar Poddar
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@cs180, Plz send me question papers, you have at poddarparmeshwar@gmail.com. Thanks

MUKUND
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@cs180, PLEASE SEND ALL THE PAPERS TO E MAIL ID mukund_clg@rediffmail.com

manish
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plz share with me manish100.mec@gmail.com

jyoti
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send papers at jyoti.ojha03@gmail.com

rahul
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yaha to savi mrunal sir ki jagah abhishek ki hi charcha karne lage.

sandip
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hi abhishek.please send me the papers you have at singhsandip2003@gmail.com.thank u

sandip
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hi abhishek.please send me the papers you have at singhsandip2003@gmail.com
thank u

ajit
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What would be the number of words in the answers of papers 2 and 3 ?

Anjani kumar
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N mujhe v
My email id ANJANIAKD1X@GMAIL.COM

Parthasarathy
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please send me prelims question paper for rbi grade b officer

Anup Kumar
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If anyone having phase 2 paper of last 5 yrs please send it on my personel ID that is anupkumar.bodhgaya@gmail.com

Anup Kumar
Reply to this comment
Now I have started preparation of second phase, i have give last time

Rachit Pandey
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Please send me previous years RBI Grade B officers questions papers for both objective and subjective papers on my mail id.
Thanks
Rachit

Pushpendra
Reply to this comment
Hi Mrunal,
Its regarding RBI Grade B officer exam,I have 61 % in B.E. with Second division. Am I eligible for this exam, Education qualification
required is
Educational Qualification: Candidates should possess a first class Bachelors Degree with a minimum of 60% marks or an equivalent
grade, in aggregate of all semesters
I have more than 60% but division is second, am I eligible?

Swagatika
Reply to this comment
please send me last yera rbi gr b objective and subjective que in my e-mail id

Swagatika
Reply to this comment
please send me que papers of last year its urgent

kunal
Reply to this comment
dear Abhisek,
can you please send me all the quesion papers from 2002 till 2010
thanks in advance

Shivakumar Handihal
Reply to this comment
Hi Abhishek,
Can you please send the RBI Grade B officer papers to shiva.mca83@gmail.com.
Thanks In Advance..

kyle
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Dear Abhishek,
Kindly send me the exams papers on Kylefernandes@gmail.com

Ramith
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Hi,
Please send the questions papers to mail id ramith30590@gmail.com

santoshmathuri
Reply to this comment
Dear Abhishek , if u can please send these papers to my id which is santoshmathuri@gmail.com . Thank You

Prachi Deotale
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pls send previous exams que papers of RBI grade B Officers part1 and part2 exam to prachi.deotale@gamil.com
thanks..

Rahul
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Buddy can you plz mail me all the previous years papers of RBI grade B officer on rahul01.sri@gmail.com.
Thanks n Regards

hi
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can anyone pls share the previous papers to priya.g1414@yahoo.in

Amrita
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Hi Abhishek,
Please mail me the Phase I question papers from 2002 to 2012 at rainbowamri@yahoo.com.
Thnaks,
Amrita

NEHA SINGH
Reply to this comment
plz mail me the RBI grade b officer phase I question papers.I have downloaded 2010 & 2011 ques papers but now able to find the older
one (from 2002 to 2009).

Netra
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any one having previous papers of grade b part I plz do send me @ jadhav.manisha.manisha4@gmail.com

Vishnu
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Could you please mail the question papers at vvv.vishnuvijay@gmail.com

BISWADEEP ROY
Reply to this comment
Would be really grateful if someone can send the RBI Officer Grade B question papers from 2000 to 2012 or the link to my email ID
which is biswadeeproy@gmail.com. Thanks

KANIKA
Reply to this comment
HI MRINUL CAN YOU PLEASE SEND ME THE PREVIOUS YEAR PAPERS OF RBI GRADE-b OFFICERS TOO I AM APPEARING
FOR THE FIRST TIME AND WILL BE THANKFUL TO HAVE YOUR HELP.
KANIKA

kundan
Reply to this comment
sir,
where we can find the previous year question papers of RBI grade-B officer prelims exam(atleast of one year)?
thanks and regard

Mrunal
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given in this article:http://mrunal.org/2012/10/studyplan-rbi-grade-b-officer-phase-i-exam-booklist-strategy-previous-questionpaper-cutoff.html

saurav
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One stop website for RBI GrB previous papers:https://sites.google.com/site/rbidrgradebexampapers/phase-ii-papers

martin
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Sir Please mail me previous year questions of rbi grade B officer at martin.8018@hotmail.com

Rakshita
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Pls send the previous year papers of RBI grade B officer to me also @ rakshita.mail@gmail.com

aliva nayak
Reply to this comment
sir kindly mail the previous papers to my email id: alivanayak.viswass@gmail.com
thank you.

aliva nayak
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abhishek,
kindly mail me solved question papers of rbi grdde-IandII ..
thank you

Kusum
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CAn anyone plzz forward me phase 1 question papers to my email is kusum.sahu@gmail.com

rohitsept
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if possible please mail me too
thanks

abhishek bhardwaj
Reply to this comment
can anybody mail me the phase 1 and phase 2 xams of last years.
if somebody have it plz do this favour to me
thnkful to u

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