The RBI Grade B 2025 Exam is one of the most competitive banking exams in India, requiring in-depth preparation across multiple areas. While objective sections often receive more attention, descriptive answer writing in Phase II is a game-changer, especially in English and Economic and Social Issues (ESI). Mastering this section can significantly boost your score and ensure success.
This blog provides a comprehensive guide to descriptive answer writing for the RBI Grade B exam, including practice questions, tips, and strategies to excel.
Descriptive answer writing is a skill that can be developed with consistent effort and practice. By focusing on structure, clarity, and incorporating current data, you can craft compelling answers that impress the evaluators.
Tips for Descriptive Answer Writing
- Understand the Syllabus: Familiarize yourself with the Phase II syllabus to align your preparation with expected topics.
- Structure Your Answers: Use the Introduction–Body–Conclusion (IBC) format:
- Introduction: Define the topic or provide background.
- Body: Address all the micro questions asked in the question by creating a proper sub-heading and writing points under it. Elaborate with data, examples, and analysis.
- Conclusion: Summarize key points or suggest solutions.
- Use Current Data: Incorporate recent statistics, government policies, and schemes to enhance your credibility.
- Be Concise: Stick to the word limit and avoid verbose explanations.
- Practice Regularly: Develop speed and accuracy by writing under timed conditions.
How to Evaluate Your Answers
- Self-Assessment: Compare your answer with model answers. Check for:
- Adherence to the word limit.
- Logical flow and clarity.
- Use of relevant data and examples.
- Using AI Tools like ChatGPT.
- Peer Review: Share your answers with fellow aspirants for constructive feedback.
- Mentor Guidance: Enroll in online courses or coaching programs that provide professional evaluation.
Tools and Resources for Practice
- International Reports by UN, RBI Reports, Economic Survey, Report By NITI Aayog, World Bank, IMF: Use these for authentic data and policy insights
- Mock Tests: Platforms like ours edugrade learning offer Best Phase II mock tests.
- Writing Tools: Use apps like Grammarly or Quillbot to refine grammar and clarity.
RBI Grade B – Descriptive Answer Evaluation Framework
Answer Vs Essay Or Points vs Paragraphs
- I am sharing you the lines on what to follow for GS and Essay from Some UPSC Toppers.
- In GS answers, bullet points improve readability and help cover more dimensions. Essays should be written in paragraphs with smooth transitions.
- “Write GS answers in bullet points. Use paragraphs only to connect themes. Essays require long, coherent paragraphs—not points.”
- “Points ensure clarity for the evaluator in GS. Essays must be written in paragraph format because they test structure, flow, and argument.”
- This is because GS checks dimension coverage, whereas Essays check argument quality, which requires paragraphs.
Now the same Logic we follow over here in RBI Grade B where you need to write Answers (ESI, FM) in Points by giving proper sub-headings and Essay, Precis and Comprehension in Paragraphs without any sub-headings.
30 Days Answer Writing Series | Subject Wise Schedule.
- 1-7th: Economics & Social Issue
- 8-15th: Management
- 16th-21st: Finance
- 23rd-30th: Current Affairs
RBI Grade B 2025: 30 Days Answer Writing Syllabus
RBI Grade B 2025: Daily Answer Writing Practice Questions
RBI Grade B 2025: 30 Days Answer Writing Series | Day - 1
Q. Discuss why “One size fits all” doesn’t work and how standards can be used as a tool for development—to improve the productivity of firms, enable job creation, conduct mutually beneficial trade, enhance public access to basic social services, widen financial inclusion, and limit the adverse impacts the impact of economic activities on the environment—and quicken progress towards the sustainable development goals. (600 words, 15 Marks)
Q. The United Nations’ “Our Common Future” (Brundtland Report) laid the foundation for sustainable development. Discuss how India’s current policies align with this vision. (600 words, 15 Marks)
Q. Discuss the interrelationship between poverty, inequality, and growth. How do these factors influence India’s long-term development goals? Critically examine the role of technology and digital transformation in accelerating economic development in India. (600 words, 15 Marks)
Q. Mahatma Gandhi said, “Earth provides enough to satisfy every man's need, but not every man's greed.” Discuss how this statement reflects the dilemma of modern economic development. What are the key determinants of economic development in developing countries like India? (600 words, 15 Marks)
Q. Explain and Provide comparative Analysis of evolution of management thought—Scientific, Administrative, Human Relations, and Systems approaches.
Q. Explain Management by Objectives (MBO) and evaluate its advantages and limitations.
Q. Describe Henry Mintzberg's managerial roles with suitable Examples.
Q. Compare Taylor’s Scientific Management and Fayol’s Administrative Principles.
RBI Grade B 2025: 30 Days Answer Writing Series | Day - 2
Q. Write the following Questions in 200 words each. (600 words, 15 Marks)
I. How Skill development initiatives contributes to employment generation in Rural area.
II. Explain the concept of multidimensional poverty and highlight India’s progress as per the recent MPI Report.
III. How do rural and urban poverty differ in causes and policy responses in India?
Q. What do you understand by Circular Economy and its relevance to India? Describe the significance of Mission LiFE (Lifestyle for Environment) in promoting behavioural change and Circular Economy. (600 words, 15 Marks)
Q. In light of the first quarterly bulletin of PLFS covering both rural and urban areas for the quarter April-June, 2025, analyze the trends in India’s employment generation and the challenges in achieving decent work for all (SDG 8). (600 words, 15 Marks)
Q. Discuss the role of Digital Public Infrastructure (DPI) and DBT in improving efficiency and targeting in poverty alleviation programs. (400 words, 10 Marks)
RBI Grade B 2025: 30 Days Answer Writing Series | Day - 3
Q. Discuss how the transmission of monetary policy works in India and the challenges faced by the RBI in ensuring its effectiveness. (600 Words, 15 Marks)
Q. How do global interest rate movements and inflation trends influence India’s monetary policy decisions? (400 Words, 10 Marks)
Q. Explain the concept of inflation targeting and discuss its effectiveness in India. (400 Words, 10 Marks)
Q. Examine the role of monetary policy coordination with fiscal policy in achieving macroeconomic stability. (400 Words, 10 Marks)
RBI Grade B 2025: 30 Days Answer Writing Series | Day - 4
Q. Write the following questions in 600 words.
I. Explain the concept of Special Drawing Rights (SDRs) and their significance for emerging economies like India.
II. Describe the quota system in the IMF and its relevance in determining voting power and access to financial resources.
Q. Write the following questions in 600 words.
I. Discuss the difference between primary and secondary markets in India and their roles in mobilizing savings.
II. Explain the role of the Reserve Bank of India in the development and regulation of money markets in India.
Q. Discuss how the banking sector contributes to economic growth through credit creation and financial intermediation. (400 words, 10 Marks)
Q. What is priority sector lending (PSL)? How does it help in achieving inclusive growth? (400 words, 10 Marks)
RBI Grade B 2025: 30 Days Answer Writing Series | Day - 5 & 6
Q. Write the following questions in 600 words.
I. What is the Balance of Payments (BoP)? Describe its two main components and explain how BoP equilibrium is maintained.
II. Define Current Account Deficit (CAD) and its implications for India’s economy.
Q. Discuss the recent trends in India’s Balance of Payments and explain how the RBI manages external sector stability through forex reserves and exchange rate management. (600 words | 15 Marks)
Q. What do you understand by a Free Trade Agreement (FTA)? Explain the different types of international trade agreements and critically analyze India’s experience and performance with its FTAs. (600 words | 15 Marks)
Q. Discuss the significance of Digital Public Infrastructure (DPI) and the UPI ecosystem in enhancing financial inclusion in India. (400 words | 10 Marks)
Q. Write the following questions in 600 words | 15 Marks.
I. Define the Production Linked Incentive (PLI) scheme and explain how it promotes manufacturing.
II. What is Industrial Clustering and how does it help MSME development?
Q. Write the following questions in 600 words.
I. Analyze the role of innovation, startups, and MSMEs in achieving India’s industrial transformation.
II. Evaluate how recent industrial reforms are aligned with SDG 9 (Industry, Innovation, and Infrastructure).
Q. Based on the NITI Aayog report “Reimagining Manufacturing: India’s Roadmap to Global Leadership in Advanced Manufacturing”, discuss the emerging sectors of competitiveness and outline the strategies through which India can achieve the targeted additional manufacturing GDP by 2035. (600 words | 15 Marks)
RBI Grade B 2025: 30 Days Answer Writing Series | Day - 7
Q. Answer the Following Question in 600 Words - 15 Marks
Based on NITI Aayog’s twin reports — “India’s Services Sector: Insights from GVA and State-level Dynamics” and “India’s Services Sector: Insights from Employment Trends and State-level Dynamics” —
I. Examine the national and state-level trends to understand how services-led growth is unfolding across regions, the reasons for inter-state disparities in the services sector, and the key policy recommendations of the reports.
II. Discuss the major employment trends highlighted in the reports and analyze the reasons for the disconnect between output growth and employment growth in India’s services sector.
Q. Agriculture continues to support livelihoods but not incomes. Discuss the challenges of productivity and diversification in India’s agriculture sector. 600 Words - 15 Marks
Q. Economic reforms in India since 1991 have transformed the growth trajectory but not eliminated structural challenges. Critically analyze the evolution of India’s reform agenda in the last three decades, focusing on the post-2014 phase (GST, labour codes, PLI, disinvestment). What lessons can be drawn for the next stage of reforms?
Q. Discuss the role of AgriTech and digital infrastructure in transforming India’s rural economy. 400 Words - 10 Marks
Q. Answer the Following Question in 600 Words - 15 Marks
I. How do global financial shocks influence India’s current and capital account balances?
II. Critically examine how India’s integration with global trade has impacted its BoP stability.
Q. India’s demographic dividend is a window of opportunity that will not remain open forever. Discuss India’s demographic trends and critically evaluate how skilling, education, and labour market reforms can help India reap its demographic advantage before it turns into a demographic burden. (600 Words - 15 Marks)
Q. Rapid urbanization in India has created both opportunities and challenges for sustainable development. Analyze recent trends in India’s urbanization pattern, the socio-economic implications of unplanned growth, and suggest policy measures to make cities more inclusive and resilient. (600 Words - 15 Marks)
Q. Migration in India is driven by both aspiration and distress. Discuss the key causes and patterns of internal migration in India. Examine how migration influences urban labour markets, social protection, and the need for policy interventions. (600 Words - 15 Marks)
Q. Explain the major challenges faced by women in India’s labour market despite rising participation rates, provide policy measures for these challenges. (400 Words - 15 Marks)
Q. Answer the Following Question in 600 Words - 15 Marks
Based on the ILO’s report “State of Social Justice 2025: A Work in Progress,” answer the following:
I. Discuss the key global findings of the report highlighting progress and persistent challenges in achieving social justice. How do the three major transitions — climate, technology, and demography — pose new risks to equality and decent work?
II. Examine the ILO’s recommended “Triple A Framework” for fair transitions and suggest how India can adapt these recommendations to strengthen social protection, labour rights, and inclusive growth in line with SDG 8 and SDG 10.
RBI Grade B 2025: 30 Days Answer Writing Series | Day - 8
Q. Management is often described as a process of achieving goals through people and resources.
Discuss this statement with reference to the main functions of management and their interrelationship in ensuring organizational effectiveness. (600-620 words, 15 Marks)
Q. “Management is doing things right; leadership is doing the right things.”
Critically examine this statement by distinguishing between management and leadership. How do both complement each other in achieving organizational goals? (600-620 words, 15 Marks)
Q. Explain the concept of managerial skills as given by Robert Katz. How do technical, human, and conceptual skills vary across different levels of management? Support your answer with examples. (Not directly in your syllabus but do prepare)
Q. What is meant by span of control and delegation of authority? Discuss their relevance in flat and hierarchical organizational structures. (400 Words, 10 Marks)
Q. Write the following Questions in 600 Words.
I. Define planning as a function of management. Explain its importance and limitations in decision-making.
II. “Coordination is the essence of management.” Explain this statement with examples.
Q. Explain the concept of Nudge Theory in management. Discuss how nudges can be effectively used in organizations to influence positive behaviour and decision-making, explain with example. (600-620 words, 15 Marks)
RBI Grade B 2025: 30 Days Answer Writing Series | Day - 9
Q. Define motivation and explain its significance in organizational behaviour. Discuss how understanding human motivation helps managers improve performance, morale, and productivity. (600-620 words, 15 Marks)
Q. Compare and contrast Herzberg’s Two-Factor Theory and McClelland’s Theory of Needs. How can managers use insights from these theories to enhance employee satisfaction and motivation? (600-620 words, 15 Marks)
Q. "Motivation is not a one-time act but a continuous managerial process". Explain this statement with reference to both content and process theories of motivation. Illustrate with suitable examples. (600-620 words, 15 Marks)
Q. Write the following Questions in 600 Words.
I. Describe Vroom’s Expectancy Model of Motivation. How do expectancy, instrumentality, and valence affect employee effort?
II. Explain the concept of equity in motivation. How can managers ensure fairness and justice at the workplace?
Q. Define the term morale. How does it relate to motivation and productivity? (400 Words, 10 Marks)
Q. Discuss how motivation plays a crucial role in organizational change and leadership effectiveness. (400 Words, 10 Marks)
RBI Grade B 2025: 30 Days Answer Writing Series | Day - 10
Q. “Leaders are born, not made.” Examine this statement in light of the Trait Theory of Leadership and explain how later theories challenged this notion. (400 Words, 10 Marks)
Q. Compare and contrast the Behavioural and Contingency Theories of Leadership. How do these theories explain the leader’s effectiveness in different organizational situations? (400 Words, 10 Marks)
Q. What is Transformational Leadership? Discuss its key components and evaluate how transformational leadership contributes to innovation, motivation, and organizational change. (600-620 words, 15 Marks)
Q. Explain Fiedler’s Contingency Model of Leadership. How does this theory help in understanding why some leaders succeed in specific environments while others fail? (600-620 words, 15 Marks)
Q. Leadership effectiveness depends not only on personality but also on the situation. Discuss with reference to Situational Leadership Theory (Hersey and Blanchard) and its relevance in dynamic organizational settings. (600-620 words, 15 Marks)
Q. “Charismatic leaders inspire, but can also mislead. What is Charismatic Leadership? Discuss the characteristics of charismatic leaders and analyse their advantages and potential risks in modern organizations.(600-620 words, 15 Marks)
Q. What is the Behavioural Theory of leadership? Discuss the Ohio and Michigan Studies of leadership behaviour. (400 Words, 10 Marks)
Q. Explain the Path–Goal Theory of Leadership proposed by Robert J. House. Discuss how leaders can adapt their leadership style to motivate subordinates effectively under different organizational situations. (400 Words, 10 Marks)
RBI Grade B 2025: 30 Days Answer Writing Series | Day - 11
Q. What do you understand by a communication channel? Discuss the different types of communication channels used in organizations and explain their significance. (600 Words | 15 Marks)
Q. What is Communication Process? Discuss the steps in the Communication Process and the Importance of the Communication Process in Management. (600 Words | 15 Marks)
Q. What are the principles of effective communication? Explain how feedback and empathy enhance communication effectiveness in management. (600 Words | 15 Marks)
Q. Write Following Question in 600 Words, 15 Marks
I. Differentiate between formal and informal communication with examples.
II. Discuss the advantages and disadvantages of the “grapevine” in organizational communication.
Q. Write short notes in 600 words on:
a) Upward and downward communication
b) Importance of feedback in communication
Q. “Barriers to communication are inevitable, but not insurmountable.” Discuss the major barriers to effective communication and suggest strategies managers can use to overcome them. (600 Words | 15 Marks)
Q. Write Following Question in 600 Words, 15 Marks
I. What is diagonal or cross-communication? Explain its advantages and challenges.
II. In the context of modern organizations, discuss how technology and digital tools have reshaped formal and informal communication networks.
RBI Grade B 2025: 30 Days Answer Writing Series | Day - 12
Q. What is Transactional Analysis (TA)? Explain the Ego states, Life Positions with Suitable Examples (600 Words | 15 Marks)
Q. "Healthy interpersonal relationships are central to effective leadership." Examine this statement using the concepts of Transactional Analysis and Johari Window. Provide suitable organisational examples. (600 Words | 15 Marks)
Q. Discuss the Johari Window model of interpersonal relations. Explain how the four quadrants influence trust-building, feedback, and team performance in organisations. Give managerial applications. (600 Words | 15 Marks)
Q. Explain the three ego states in Transactional Analysis. How can managers use TA to reduce communication barriers at the workplace? (10 Marks | 400 Words)
Q. What is Transactional Analysis (TA)? Explain the Types of Transaction and Advantages of Transactional Analysis. (400 Words | 10 Marks)
Q. “The Johari Window is a powerful tool for enhancing team collaboration and self-awareness.” Explain the Johari Window model and analyse how it can be applied in public sector organizations to improve trust, communication, and team performance. (400 Words | 10 Marks)
RBI Grade B 2025: 30 Days Answer Writing Series | Day - 13
Q. “Personality plays a central role in shaping workplace behaviour and managerial effectiveness.” What is personality? Explain the Big Five Model and analyse how different personality traits influence performance in a banking and financial organization. (600 Words | 15 Marks)
Q. Explain the concept and process of perception. Discuss common perceptual errors with example. (600 Words | 15 Marks)
Q. Define behavioural reinforcement. Discuss the various reinforcement schedules and analyse how managers can choose appropriate schedules with example. (600 Words | 15 Marks)
Q. What is reinforcement? Differentiate between positive reinforcement and negative reinforcement. Explain how it can be applied to shape desired behaviour among employees. (600 Words | 15 Marks)
Q. Explain the Attribution Theory of perception. How do managers make judgments about employee behaviour using internal and external attributions? (400 Words | 10 Marks)
Q. Differentiate between reinforcement and punishment. Provide examples of how each may affect employee behaviour in a workplace. (400 Words | 10 Marks)
Q. Explain the concept of reinforcement and discuss Skinner’s Operant Conditioning Theory. (400 Words | 10 Marks)
Q. An organization implements a monetary incentive scheme, but employee performance does not significantly improve. Using principles of reinforcement, analyse possible reasons and suggest corrective measures. (400 Words | 10 Marks)
RBI Grade B 2025: 30 Days Answer Writing Series | Day - 14
Q. “Conflict is inevitable in organizations, but how it is managed determines its impact.” Explain the concept and types of conflict in organizations. Discuss the positive and negative consequences of conflict and evaluate the strategies a manager can use to manage and resolve conflict effectively. (600 Words | 15 Marks)
Q. “Not all conflict is dysfunctional.” Discuss this statement in the context of organizational behaviour. Explain when conflict becomes functional or dysfunctional and illustrate how managers can encourage healthy disagreement for innovation and decision-making. (600 Words | 15 Marks)
Q. Describe the conflict-handling styles proposed by Thomas and Kilmann. Explain how different styles are suitable for different organizational situations. (600 Words | 15 Marks)
Q. Explain the concept of organizational change. Discuss Kurt Lewin’s Three-Stage Change Model and evaluate its relevance in managing change in public sector organizations. (600 Words | 15 Marks)
Q. Provide the comparative Analysis of Theories of planned change (Lewin’s model, Action Research Model, Positive Model). (600 Words | 15 Marks)
Q. What do you understand by organizational development (OD). Discuss major OD interventions and analyse how they help improve organizational effectiveness. (600 Words | 15 Marks)
RBI Grade B 2025: 30 Days Answer Writing Series | Day - 15
Q. What is business ethics? Discuss why ethical problem arise in organizations and explain the factors Influencing Business Ethics in an Organization (600 Words | 15 Marks)
Q. Discuss major ethical theories—Utilitarianism, Rights & Duties, and Justice & Fairness. How do these theory help managers resolve workplace ethical dilemmas? (600 Words | 15 Marks)
Q. Write Short Notes on Following Ethics Theory. (600 Words | 15 Marks)
I. Egoism theory
II. Relativism theory
III. Virtue Ethics
Q. What is a Code of Conduct? Explain its key components and discuss how it helps build an ethical culture within an organization. (600 Words | 15 Marks)
Q. Discuss the concept of Corporate Governance and analyze the factors that influence governance quality in India. Explain the mechanisms used to ensure accountability, transparency, and Governance in organizations. (600 Words | 15 Marks)
Q. Discuss the key functions of Board of Directors in ensuring ethical governance within an organization. Analyse common challenges Boards face in fulfilling these responsibilities, provide a way forward. (600 Words | 15 Marks)
Q. What is business ethics? Discuss the factors that influence ethics in business. (400 Words | 10 Marks)
Q. What do you understand by moral issues in business? Discuss major types of moral issues that arise in finance, marketing, human resources, and compliance functions of an organization. (400 Words | 10 Marks)
Note: These Questions along with Model Answers are also Available on Our Descriptive Prep Telegram Channel: https://t.me/descriptive_bankexam
Enroll for RBI Grade B 2026 PMP Course by Brajesh Mohan.
Register For Our Courses for Regulatory Body Exams with Up-to Date Notes and Mock Test with Validity till 2026.
✅RBI Grade B Phase II 2026 Mentorship Program @ Rs.2999/- (Accessible till 2026 Exam)
✅NABARD Grade A Complete Course (Notes, Mentorship, Mock) @Rs. 2499/- (Valid till 2026 Exam)
✅SEBI/PFRDA Grade A 2025: Comprehensive Course (Notes, Quiz & Mock Test) @Rs. 2499/- (Valid till Dec 2026)
✅IRDAI Grade A 2025 Mock (P1 & P2) Test and Magazine Course @Rs. 1599/-
Disclaimer: This e-note and course is a copyright material of Brajesh Mohan, unauthorized sharing and reproduction in any form, physical or electronic mode on public or private forum etc. will lead to copyright infringement and can cause legal action under Indian Copyright Act, 1957. Please refrain from sharing it in any form either through personal messaging or through group forum.
