📝 English Language — Complete Grammar Guide

IBPS PO • IBPS Clerk • SBI PO • SBI Clerk • RBI Grade B • All Banking Exams

📌 How English is tested in Banking Exams:

Reading Comprehension (RC) — 10–15 questions
Error Detection / Spotting Errors — 5–10 questions
Fill in the Blanks / Double Fillers — 5–10 questions
Para Jumbles / Sentence Rearrangement — 5 questions
Vocabulary (Synonyms, Antonyms, Idioms) — 5–10 questions
Cloze Test — 5–10 questions

PART A — GRAMMAR RULES

1. Subject-Verb Agreement

The verb must agree with its subject in number and person.

Rule	Example
Singular subject → singular verb	He runs fast.
Plural subject → plural verb	They run fast.
"Each / Every / Either / Neither" → singular verb	Each of the boys has a pen.
"None" → can be singular or plural depending on context	None of them were present.
Collective nouns (team, jury, committee) → singular verb (when acting as unit)	The committee has decided.
"Along with / as well as / together with" does not change subject number	Ram, along with his friends, is coming.
Titles, books, countries (plural in form but single entity) → singular verb	"The Arabian Nights" is a classic.

2. Tenses — Quick Reference Chart

Tense	Structure	Signal Words	Example
Simple Present	V1 / V1+s	always, usually, every	She works here.
Present Continuous	is/am/are + V-ing	now, currently, at present	She is working.
Present Perfect	has/have + V3	just, already, yet, ever, since, for	She has worked.
Present Perfect Continuous	has/have been + V-ing	since, for	She has been working since 9 am.
Simple Past	V2	yesterday, ago, last	She worked yesterday.
Past Continuous	was/were + V-ing	while, when	She was working when he called.
Past Perfect	had + V3	before, after, by the time, already	She had worked before he arrived.
Simple Future	will + V1	tomorrow, next, soon	She will work tomorrow.
Future Perfect	will have + V3	by, before	She will have completed by Monday.

3. Articles — A, An, The

Article	Use	Examples
A	Before consonant sound; indefinite singular	a book, a university, a European
An	Before vowel sound; indefinite singular	an egg, an hour, an MBA
The	Specific / known noun; unique things; superlatives; before ordinal numbers	the sun, the best, the first

⚠️ No Article used with: Languages (Hindi, English), Games (cricket, chess), Meals (breakfast, lunch), Subjects (Mathematics), Names of diseases (unless specific: the flu), Names of people/countries (except "the USA", "the Netherlands").

4. Prepositions — Commonly Tested

Category	Prepositions & Usage
Time	at (specific time/night/noon), on (days/dates), in (months/years/seasons/century), by (deadline), since (point), for (duration)
Place	at (exact point), in (enclosed space/city/country), on (surface), above/below (level), between (two), among (three+)
Common Errors	❌ Discuss about → ✅ Discuss \| ❌ Mention about → ✅ Mention \| ❌ Cope up with → ✅ Cope with \| ❌ Marry with → ✅ Marry
Dependent prepositions	Agree with (person), Agree to (proposal), Angry with (person), Angry at (thing), Differ from (thing), Differ with (person)

5. Pronouns

Person	Subject	Object	Possessive Adj.	Possessive Pro.	Reflexive
1st Sing.	I	me	my	mine	myself
2nd	you	you	your	yours	yourself
3rd Sing. M	he	him	his	his	himself
3rd Sing. F	she	her	her	hers	herself
1st Plural	we	us	our	ours	ourselves
3rd Plural	they	them	their	theirs	themselves

Common errors: ❌ Between you and I → ✅ Between you and me | ❌ Me and Ram went → ✅ Ram and I went

6. Conjunctions

Type	Conjunctions	Rule
Coordinating	FANBOYS: For, And, Nor, But, Or, Yet, So	Joins equal elements
Correlative	Either…or, Neither…nor, Not only…but also, Both…and, Whether…or	Must be followed by parallel structure
Subordinating	Although, Because, Since, Unless, Until, While, If, Though	Introduces dependent clause

⚠️ Although/Though — never use but with them in same sentence. ❌ Although he was tired, but he worked. ✅ Although he was tired, he worked.

7. Active & Passive Voice

Active: Subject + Verb + Object → Passive: Object + be + V3 + by + Subject

Tense	Active	Passive
Simple Present	She writes a letter.	A letter is written by her.
Simple Past	She wrote a letter.	A letter was written by her.
Present Continuous	She is writing a letter.	A letter is being written by her.
Present Perfect	She has written a letter.	A letter has been written by her.
Simple Future	She will write a letter.	A letter will be written by her.
Modal	She can write a letter.	A letter can be written by her.

8. Direct & Indirect Speech

Direct Speech Tense	→ Indirect Speech Tense
Simple Present	→ Simple Past
Present Continuous	→ Past Continuous
Present Perfect	→ Past Perfect
Simple Past	→ Past Perfect
Will	→ Would
Can	→ Could
May	→ Might
Must / Have to	→ Had to

Pronoun changes: I→he/she, We→they, My→his/her, Our→their | Time changes: Now→then, Today→that day, Tomorrow→next day, Yesterday→previous day

9. Conditional Sentences

Type	If-clause	Main clause	Use
Zero (Universal Truth)	If + Simple Present	Simple Present	If you heat water, it boils.
Type 1 (Real/Possible)	If + Simple Present	Will + V1	If it rains, I will stay home.
Type 2 (Unreal/Improbable)	If + Simple Past	Would + V1	If I were rich, I would travel.
Type 3 (Impossible/Past)	If + Past Perfect	Would have + V3	If I had studied, I would have passed.

10. Adjectives & Adverbs — Degrees of Comparison

Adjective	Comparative	Superlative
good	better	best
bad	worse	worst
far	farther / further	farthest / furthest
little	less	least
many / much	more	most

⚠️ Common errors: ❌ more better ✅ better | ❌ most tallest ✅ tallest | Use "than" with comparative, "the" with superlative.

11. Parallelism

Elements in a series must be in the same grammatical form.

❌ She likes singing, dancing, and to swim. → ✅ She likes singing, dancing, and swimming.
❌ He was praised not only for his talent but also because he was honest. → ✅ ...not only for his talent but also for his honesty.
❌ Either he will come or going home. → ✅ Either he will come or go home.

PART B — VOCABULARY SECTION

12. Synonyms & Antonyms — 50 Important Words

Word	Synonym	Antonym	Word	Synonym	Antonym
Abundant	Plentiful	Scarce	Benevolent	Kind, Generous	Malevolent
Ambiguous	Vague, Unclear	Clear, Explicit	Conceal	Hide, Cover	Reveal
Arduous	Difficult, Hard	Easy, Simple	Deceptive	Misleading	Honest, Frank
Austere	Stern, Severe	Lenient, Indulgent	Dubious	Doubtful	Certain
Belligerent	Aggressive	Peaceful	Eloquent	Fluent, Articulate	Inarticulate
Bolster	Strengthen	Undermine	Frugal	Thrifty, Economical	Extravagant
Candid	Frank, Honest	Dishonest, Evasive	Gullible	Naive, Credulous	Skeptical
Clandestine	Secret, Covert	Open, Public	Hamper	Hinder, Obstruct	Facilitate
Convoluted	Complex	Simple	Impede	Obstruct	Aid, Assist
Cursory	Hasty, Brief	Thorough, Careful	Lucid	Clear, Intelligible	Obscure, Confusing

13. Idioms & Phrases — Most Frequently Asked

Idiom / Phrase	Meaning
At the drop of a hat	Without hesitation; immediately
Beat around the bush	To avoid talking about what is important
Bite the bullet	To endure a painful situation bravely
Burn bridges	To permanently damage a relationship
Burning the midnight oil	Working very late into the night
Cut the mustard	To meet the required standard
Devil's advocate	To argue the opposite side for the sake of debate
Elephant in the room	An obvious problem no one wants to discuss
Get the ball rolling	To start an activity
Hit the nail on the head	To do or say exactly the right thing
In the nick of time	Just in time; at the last moment
Jump on the bandwagon	To join a popular activity
Keep one's chin up	To remain cheerful in a difficult situation
Let the cat out of the bag	To reveal a secret accidentally
On the fence	Undecided; neutral
Pull someone's leg	To joke or tease someone
Read between the lines	To understand the hidden meaning
Spill the beans	To reveal secret information
Under the weather	Feeling ill or unwell
Up in the air	Uncertain, not yet decided

14. One-Word Substitution — Most Asked

Phrase	One Word	Phrase	One Word
One who can speak two languages	Bilingual	Fear of water	Hydrophobia
Study of birds	Ornithology	Fear of heights	Acrophobia
One who eats everything	Omnivore	One who hates women	Misogynist
Killing of a king	Regicide	One who hates men	Misandrist
Government by the people	Democracy	One who loves books	Bibliophile
Inability to sleep	Insomnia	One who works for free	Volunteer
Life history written by another	Biography	Life history written by oneself	Autobiography
Murder of one's mother	Matricide	Murder of one's father	Patricide

15. Common Grammatical Errors — Error Detection Strategy

Error Type	Wrong	Correct
Double negative	I don't know nothing.	I don't know anything.
Wrong preposition	I am fond to music.	I am fond of music.
Misuse of 'since/for'	I have been here since three hours.	I have been here for three hours.
Using 'the' with superlative	She is most intelligent girl.	She is the most intelligent girl.
Infinitive after modal	He can to swim.	He can swim.
Redundant words	He returned back home.	He returned home.
Comparative with 'than'	She is more taller than me.	She is taller than me.
Wrong form of verb after 'to'	He agreed to went.	He agreed to go.

PART B — SENTENCE CORRECTION & ERROR SPOTTING

9. Error Spotting — Systematic Approach

Step-by-step method: (1) Identify subject and verb → check agreement. (2) Check tense consistency. (3) Check pronoun case. (4) Check prepositions and articles. (5) Check word usage/spelling.

Error Type	Incorrect	Correct
Misuse of 'less' vs 'fewer'	Less students came today.	Fewer students came today.
Misuse of 'since' vs 'for'	I have been here since three years.	I have been here for three years.
Double negative	I don't know nothing about it.	I don't know anything about it.
Incorrect use of 'between' vs 'among'	Divide it between the five students.	Divide it among the five students.
'Each other' vs 'one another'	The three friends helped each other.	The three friends helped one another.
'Elder' vs 'older' (family relation)	He is older than me by two years (in family).	He is elder than me. (family) \| older (general)
Gerund after preposition	He insisted on to go.	He insisted on going.
Adjective instead of adverb	She sings beautiful.	She sings beautifully.
Misuse of 'can' vs 'may'	Can I go to the washroom? (formal)	May I go to the washroom?
'Much' vs 'many'	How much students passed?	How many students passed?

PART C — VOCABULARY

10. Synonyms & Antonyms — 50 Essential Banking Exam Words

Word	Synonyms	Antonyms
Abate	Reduce, lessen, diminish, subside	Increase, augment, intensify
Acrimony	Bitterness, harshness, hostility	Harmony, goodwill, cordiality
Admonish	Warn, reprimand, caution, rebuke	Praise, commend, laud
Affluent	Wealthy, prosperous, opulent	Poor, destitute, impoverished
Alacrity	Eagerness, willingness, enthusiasm	Reluctance, sluggishness, apathy
Ambiguous	Unclear, vague, equivocal	Clear, explicit, unambiguous
Arduous	Difficult, strenuous, laborious	Easy, effortless, simple
Austere	Severe, strict, stern, frugal	Lenient, indulgent, extravagant
Benevolent	Kind, generous, charitable	Malevolent, cruel, unkind
Candid	Frank, honest, blunt, sincere	Dishonest, insincere, tactful
Covet	Desire, crave, yearn, lust	Ignore, despise, reject
Cumulative	Accumulative, amassed, increasing	Decreasing, diminishing
Debilitate	Weaken, enfeeble, sap	Strengthen, fortify, invigorate
Deceptive	Misleading, fraudulent, cunning	Honest, genuine, truthful
Diligent	Hardworking, industrious, meticulous	Lazy, negligent, careless
Discrepancy	Inconsistency, variation, mismatch	Consistency, agreement, harmony
Dubious	Doubtful, suspicious, questionable	Certain, trustworthy, reliable
Dwindle	Diminish, decrease, shrink	Increase, grow, expand
Egregious	Outrageous, shocking, flagrant	Admirable, minor, trivial
Elaborate	Detailed, intricate, complex	Simple, plain, concise
Emulate	Imitate, copy, mimic, rival	Avoid, ignore, neglect
Enervate	Weaken, tire, exhaust	Energise, invigorate, refresh
Ephemeral	Transient, fleeting, short-lived	Permanent, enduring, lasting
Equivocal	Ambiguous, unclear, vague	Unambiguous, explicit, definite
Exacerbate	Worsen, aggravate, intensify	Improve, alleviate, mitigate
Flagrant	Blatant, glaring, shameless	Subtle, mild, unnoticeable
Frugal	Thrifty, economical, sparing	Extravagant, wasteful, lavish
Garrulous	Talkative, verbose, loquacious	Quiet, taciturn, reserved
Gregarious	Sociable, outgoing, affable	Introverted, antisocial, shy
Hamper	Hinder, obstruct, impede	Help, facilitate, assist
Haughty	Arrogant, proud, disdainful	Humble, modest, meek
Impede	Obstruct, hinder, hamper	Facilitate, assist, enable
Incessant	Constant, unceasing, relentless	Intermittent, occasional, sporadic
Indolent	Lazy, slothful, idle	Industrious, diligent, active
Infamous	Notorious, disgraceful, disreputable	Reputable, honourable, admirable
Ingenious	Clever, inventive, resourceful	Unimaginative, obtuse, dull
Lethargic	Sluggish, torpid, languid	Energetic, active, lively
Lucid	Clear, comprehensible, transparent	Unclear, obscure, confusing
Meticulous	Careful, precise, thorough	Careless, sloppy, negligent
Mundane	Ordinary, routine, commonplace	Extraordinary, exciting, unusual
Nefarious	Wicked, villainous, evil	Virtuous, noble, righteous
Obstinate	Stubborn, persistent, headstrong	Flexible, submissive, yielding
Prudent	Wise, judicious, sensible	Rash, impulsive, foolish
Reticent	Reserved, quiet, silent	Communicative, forthcoming, talkative
Spurious	Fake, counterfeit, false	Genuine, authentic, real
Tenacious	Persistent, determined, stubborn	Irresolute, weak, yielding
Verbose	Wordy, long-winded, prolix	Concise, brief, succinct
Vigilant	Alert, watchful, attentive	Negligent, careless, inattentive
Zealous	Enthusiastic, passionate, fervent	Indifferent, apathetic, unenthusiastic

11. Phrasal Verbs — 40 Most Tested in Banking Exams

Phrasal Verb	Meaning	Example
Account for	Explain, be responsible	He must account for the missing funds.
Back out	Withdraw from a deal	He backed out at the last minute.
Bear out	Confirm, support	The evidence bears out his claim.
Blow over	Pass without harm	The crisis will blow over soon.
Break down	Stop functioning / collapse emotionally	The car broke down on the highway.
Bring about	Cause to happen	The reform brought about great change.
Call off	Cancel	The match was called off due to rain.
Carry out	Complete / implement	She carried out the instructions carefully.
Come across	Find accidentally	I came across an old letter.
Come up with	Suggest / produce	She came up with a great idea.
Cut down on	Reduce	He cut down on sugar.
Draw up	Prepare (a document)	The lawyer drew up the contract.
Fall back on	Resort to as an alternative	He fell back on his savings.
Get over	Recover from	It took time to get over the loss.
Give in	Yield, surrender	He finally gave in to pressure.
Hold out	Resist / last	How long can you hold out?
Look into	Investigate	The committee will look into the matter.
Make out	Understand / decipher	I can't make out what he said.
Pass off	Pretend / happen without incident	The event passed off smoothly.
Put forward	Propose, suggest	She put forward a new proposal.
Run out of	Exhaust supply	We ran out of time.
Set aside	Reserve for later	Set aside some money each month.
Stand by	Support / wait	She stood by her decision.
Take up	Occupy / begin a hobby	He took up swimming.
Weed out	Remove unwanted elements	They weeded out corrupt officials.

12. Idioms & Phrases — 40 Most Tested

Idiom / Phrase	Meaning
A blessing in disguise	A good thing that seemed bad at first
A drop in the ocean	A very small amount compared to what is needed
At the eleventh hour	At the very last moment
Beat around the bush	Avoid talking about the main point
Bite the bullet	Endure a painful or unpleasant situation
Bite the dust	Fail or be defeated
Blow hot and cold	Alternate between enthusiasm and indifference
Burn the midnight oil	Work late into the night
Bury the hatchet	Make peace; end a conflict
Call a spade a spade	Speak plainly without euphemism
Carry the day	Win; succeed in an argument
Cat got your tongue	Why are you not speaking?
Chip on one's shoulder	Carry a grievance from the past
Come a cropper	Fall heavily; fail unexpectedly
Cross swords	Have a quarrel or argument
Cut corners	Do something in an easier, less careful way
Dark horse	An unknown person who achieves unexpected success
Draw a blank	Fail to get a result; recall nothing
Egg on one's face	Feel embarrassed by a mistake
Face the music	Accept the unpleasant consequences
Feather one's own nest	Selfishly enrich oneself
Get the ball rolling	Begin an activity or process
Hit the nail on the head	Describe exactly what is correct
In the same boat	In the same difficult situation
Jump on the bandwagon	Follow a popular trend
Keep at bay	Prevent from approaching; under control
Lose heart	Become discouraged
Make ends meet	Have just enough money to cover expenses
Miss the boat	Miss an opportunity
On the fence	Undecided; neutral
Once in a blue moon	Very rarely
Pull someone's leg	Tease or joke with someone
Put one's foot in one's mouth	Say something embarrassing or inappropriate
Sail through	Succeed easily
Spill the beans	Reveal a secret
Take the bull by the horns	Deal with a difficult situation directly
Throw in the towel	Give up; admit defeat
Under the weather	Feeling ill or unwell
Wet behind the ears	Inexperienced; naive
Zero in on	Focus on; target precisely

13. One-Word Substitution — 30 Common in Banking Exams

Description	One-Word Substitute
One who can use both hands equally well	Ambidextrous
A person who helps others selflessly	Altruist
A person who doesn't believe in God	Atheist
Fear of heights	Acrophobia
Murder of one's own brother	Fratricide
Murder of one's own father	Patricide
Murder of one's own mother	Matricide
Killing of large number of people	Massacre / Genocide
A person who studies insects	Entomologist
One who eats both plants and animals	Omnivore
Animals that sleep during winter	Hibernating animals
A room where dead bodies are kept	Mortuary
One who is recovering from illness	Convalescent
A person who collects stamps	Philatelist
One who pretends to be what they are not	Hypocrite
A person who is pessimistic about everything	Cynic
An expert in writing or deciphering codes	Cryptographer
One who loves books	Bibliophile
Capable of being read	Legible
Not capable of being read	Illegible
Cannot be corrected	Incorrigible
Cannot be avoided	Inevitable
One who speaks many languages	Polyglot
One who is all-powerful	Omnipotent
One who is present everywhere	Omnipresent
Government by the people	Democracy
Government by the rich	Plutocracy
Rule by one person	Autocracy / Dictatorship
Science of heredity	Genetics
Study of the universe	Cosmology

PART D — EXAM STRATEGIES

14. Reading Comprehension (RC) — Strategy Guide

Types of RC questions in Banking Exams:

Question Type	How to Approach
Main idea / theme	Read topic sentence of each paragraph; the passage's central message
Inference questions	Draw logical conclusions from stated facts; don't over-infer
Vocabulary in context	Use surrounding sentences to guess meaning; read 2 lines before and after
Author's tone	Look for emotive adjectives and adverbs; positive/negative/neutral
True/False/Cannot say	Only use information FROM the passage; avoid outside knowledge

5-Step RC Method: (1) Skim the questions first (30 sec). (2) Read passage quickly — mark key ideas. (3) For factual questions, locate the answer line in the text. (4) For inference questions, eliminate incorrect options. (5) For vocabulary, try each option in context.

Time allocation (IBPS PO Mains): RC = 12–15 min | Error spotting = 5 min | Fillers = 5 min | Para jumbles = 5 min | Cloze = 6 min

15. Para Jumbles — PQRS Technique

Step-by-step method for rearranging jumbled sentences:

Find the opening sentence (topic sentence): Look for a sentence that introduces a general idea; has no pronoun reference; does NOT start with "but / however / therefore / also / moreover".
Find mandatory pairs: Sentences that must go together — a pronoun (it, he, they) must follow its noun antecedent; conjunctions like "but / however" connect to a contrasting idea immediately before.
Find the closing sentence: Contains a conclusion, result, or summary. Often uses "thus / therefore / in conclusion / finally."
Use the options: In exam, options often share the first or last sentence — use that to eliminate 2–3 options quickly.

Key connector words: However / But / Yet = contrast | Therefore / Thus / Hence = conclusion | Moreover / Furthermore / Besides = addition | For instance / For example = illustration | Consequently / As a result = effect

16. Cloze Test — Strategy Guide

Types of cloze tests: Traditional (vocabulary), New pattern (grammar + coherence)

Step	What to Do
Step 1: Read the whole passage	Understand the theme before attempting blanks
Step 2: Check context	Words before and after blank determine the answer
Step 3: Eliminate	Remove clearly wrong options; often 2 can be eliminated immediately
Step 4: Check grammar	Subject-verb agreement, tense, and prepositions often narrow choice to 1
Step 5: Tone consistency	Positive tone passage → positive word; negative → negative

Common cloze patterns: preposition after verb (agree with, deal in, interest in) | adjective before noun | degree of comparison (more/most/as…as)

17. Fill in the Blanks / Double Fillers — Strategy

Single blank: Check whether a noun, verb, adjective, or adverb is needed. Eliminate by part of speech.

Double filler method:

Fill the first blank first — this alone may eliminate 2–3 options.
Then verify the second blank with the remaining option.
Both blanks must be grammatically and semantically correct together.

Common Pattern	Example Pairs
Cause-effect blanks	The policy _____ the economy, leading to _____ growth. → boosted / rapid
Contrast blanks	Though _____ in approach, the leaders shared a _____ goal. → different / common
Parallel structure blanks	The plan was _____ but the execution was _____. → good / poor

PART E — SENTENCE IMPROVEMENT & WORD USAGE

18. Confusing Word Pairs — Most Tested

Word A	Meaning	Word B	Meaning
Affect (v)	To influence	Effect (n)	The result/outcome
Accept	To agree to receive	Except	Not including
Advice (n)	A recommendation	Advise (v)	To give a recommendation
Allusion	Indirect reference	Illusion	False impression
Assure	Tell someone confidently	Ensure	Make certain something happens
Complement	Complete or go well with	Compliment	Express admiration/praise
Disinterested	Impartial, neutral	Uninterested	Having no interest
Eminent	Distinguished, famous	Imminent	About to happen soon
Farther	Physical distance	Further	Additional; abstract
Imply	To suggest indirectly	Infer	To draw conclusion from evidence
Lay	To put/place (needs object)	Lie	To recline (no object)
Principal	Main / head of school	Principle	A fundamental rule/belief

19. Preposition Usage — High-Frequency Combinations

Verb/Adjective	Correct Preposition	Example
Agree	with a person; to a proposal; on a matter	I agree with you.
Angry	with a person; at/about a thing	He was angry with me.
Capable	of	She is capable of doing it.
Comply	with	Comply with the rules.
Deal	in (trade); with (handle)	He deals in gold.
Depend	on/upon	It depends on you.
Differ	from (be unlike); with (disagree)	He differs from his brother.
Entrust	with or to	He was entrusted with the task.
Good	at (skilled); for (beneficial)	She is good at maths.
Insist	on	She insisted on going.
Invest	in	Invest in mutual funds.
Married	to (NOT with)	She is married to him.

⚡ Quick Revision — Remember These!

Modals (can, could, may, might, will, would, shall, should, must) → always followed by base verb (V1)
"Used to" → habitual past action | "Be used to" → accustomed (followed by V-ing)
"The" before musical instruments: play the guitar
Relative pronouns: who/whom (persons), which (things), that (persons or things), whose (possession)
"Hardly/Scarcely/Rarely/Seldom/Never" at sentence start → inverted sentence: Hardly had he left when it rained.
Neither…nor / Either…or: verb agrees with the nearer subject
Less (uncountable) vs Fewer (countable) | Since (point in time) vs For (duration)
Between (two) vs Among (more than two) | Each other (two) vs One another (three+)
Affect (v) vs Effect (n) | Principal (head/main) vs Principle (rule) | Complement vs Compliment
RC strategy: Questions first → skim passage → locate factual answers → eliminate for inference
Para jumbles: Find opener (no pronoun, introduces topic) → mandatory pairs → conclusion sentence
Cloze test: Read full passage → eliminate by grammar → check tone consistency

English Language — Complete Grammar Guide for Banking Exams