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RBI Regulations — Simplified for Bankers

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Banking Calculators & Tools

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DSCR Calculator

Debt Service Coverage Ratio for project loans

EMI Calculator

Loan EMI with amortization schedule

Loan Eligibility

FOIR & NTH method — same norms used by bank credit officers

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Working Capital

Assess working capital requirements (Nayak Committee)

Interest Rate Calc

Effective interest rate and concession impact

Staff Loan EMI

Staff housing / vehicle loan EMI estimator

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DA Calculator

Current DA: 25.70% (May–Jul 2026) — exact amount by scale & cadre

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BPS Salary Calculator

Full 12th BPS salary slip — gross, DA, HRA, PQP & take-home

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CGTMSE Fee Calc

Annual Guarantee Fee for MSME loans — Circular 251/2024-25

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Banking Career & Certifications

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JAIIB 2026
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JAIIB 2026

Complete strategy, module-wise guides, exam MCQs and mock tests

Nov / Dec 2026 sessions
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CAIIB 2026
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CAIIB 2026

Module-wise guides, case studies, and practice sets for all papers

Advanced Banking Qualification
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IIBF Certs
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Banking Certifications

IIBF, NI Act, MSME, Treasury, Forex — 14 certifications covered

14 certifications
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Promotion Interview Prep

Scale III → IV guides, interview question banks — 2026 edition

Interview Kit: 2026
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Daily Banking Pulse

Key numbers every banker should know

Repo Rate
5.25% ↓ Cut Apr 2026
CRR
4.00% ↔ Unchanged
SLR
18.00% ↔ Unchanged
USD / INR
₹84.10 Apr 2026
Bank DA
25.70% ↑ May 2026
Last updated: April 2026 · Source: RBI DA Calculator & Rates →

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