Kredly
Free bank exam preparation

Kredly helps you prepare for SBI, IBPS, RRB and RBI exams with a complete study system.

Open Kredly, choose your exam, follow the syllabus topic by topic, practise unique questions, take exam-style mocks, review mistakes with explanations, and use analytics to decide what to study next. The platform is designed for aspirants who want one clear place for practice, revision and performance tracking.

6,540
practice questions in the current question bank
8+
exam families and stage-wise journeys
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practice, journeys, mocks, compete and analytics
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Bank exams in India

Why do so many people prepare for bank exams?

Bank exams attract graduates because they offer a realistic route into organised public-sector and financial-sector employment. A banking job is not just a desk role; it can involve customer service, lending, branch operations, digital banking, financial inclusion, risk control, audit, treasury, rural banking, government scheme delivery and, in the case of RBI, policy-facing central banking work.

For many aspirants, the attraction is the combination of job stability, structured salary, social respect, regular recruitment cycles, transparent written exams, promotion opportunities and postings across India. Compared with many private jobs, bank recruitment gives a fresher a clear syllabus, a known exam pattern and a merit-based entry route. That is why lakhs of candidates repeatedly prepare for SBI, IBPS, RRB and RBI exams every year.

The challenge is that the same transparency also increases competition. Everyone knows the syllabus, everyone can access books and mock tests, and the number of serious candidates is much larger than the number of final vacancies. This is why Kredly focuses on topic control, repeated practice, mock review and weak-area analytics instead of only showing random questions.

Main benefits candidates look for

  • Stable career path in banks and financial institutions
  • Regular salary, allowances and retirement-linked benefits as per employer rules
  • Career growth through internal promotions and specialist roles
  • Structured recruitment through written exams and interviews where applicable
  • Transferable skills in finance, customer service, analytics and administration
  • Opportunity to work in public-facing services such as financial inclusion and government schemes
Why these exams feel difficult

The syllabus is familiar, but the selection funnel is narrow

Bank exams are difficult not because every question is impossible, but because candidates must be accurate, fast and consistent across multiple sections. A candidate may know arithmetic but lose marks due to slow calculation; may solve puzzles at home but panic under a timer; may read English well but miss negative marking traps; or may score well in practice but fail to clear a sectional cutoff.

Speed pressure

Many prelims exams compress 100 marks into roughly one hour, so skipping discipline matters as much as knowledge.

Sectional balance

A high total is not enough if the exam applies sectional cutoffs or stage-wise shortlisting.

Changing depth

Prelims may test speed; mains may test layered DI, longer reasoning sets, awareness and descriptive writing.

Huge applicant pool

Recruitments are national or multi-state, so even a few thousand vacancies can attract very high competition.

Seats, vacancies and application ratio

How to understand the numbers before applying

Vacancy counts change every recruitment year and are updated through official notifications or corrigenda. Application counts are not always published in the same notification, so any applicant-to-seat ratio should be treated as an estimate unless the recruiting body releases final application data.

Recent example
SBI PO 2025
About 541 PO vacancies were publicly reported from the SBI notification.
Even a small change in serious applicants per vacancy can make prelims cutoffs move sharply.
IBPS PO 2025
Public reports cited about 5,208 PO/MT vacancies.
More seats does not make the exam easy because the applicant pool is spread across many banks and categories.
RBI Grade B 2025
RBI listed 120 Grade B vacancies across General, DEPR and DSIM cadres.
A smaller vacancy count means every stage, especially Phase II and interview, carries high importance.

Simple way to think about it: if 10 lakh candidates apply for 5,000 seats, the broad applicant-to-vacancy ratio is 200:1. If only 2 lakh are serious, the serious-candidate ratio is still 40:1. That is why practice quality, revision and mock review matter more than just counting attempts.

Reserved categories and exam benefits

What changes if you belong to SC, ST, OBC, EWS, PwBD or other eligible categories?

Reservation and relaxation rules exist to make public recruitment more inclusive. The exact benefit depends on the exam, post, bank, state, category certificate, vacancy reservation and the latest notification. Candidates should always read the official notification and use the correct certificate format before applying.

Reserved vacancies

Recruitments usually show category-wise vacancies for UR, EWS, OBC, SC, ST and PwBD where applicable.

Age relaxation

Common patterns include 5 years for SC/ST, 3 years for OBC non-creamy layer, and separate PwBD relaxations, subject to notification rules.

Fee concession

Many bank notifications reduce application fees or charge only intimation charges for SC/ST/PwBD candidates.

Pre-exam training

Some recruitments provide pre-exam training material or training options for eligible categories as per rules.

Cutoff context

Category-wise cutoffs may differ because candidates compete within applicable vacancy/category rules.

Certificate discipline

Benefits can be denied if certificates are missing, outdated, in the wrong format or issued after the allowed date.

Kredly does not decide eligibility or reservation. It helps every aspirant prepare the syllabus. If you are eligible for reservation or relaxation, use that administrative benefit correctly, but still prepare for the exam as seriously as any other candidate because competition remains strong within every category.

What Kredly includes

A practical preparation loop, not just a question list

Kredly is built around the daily rhythm of bank exam preparation: understand a topic, solve a small set, check the answer, read the explanation, report content issues when something looks wrong, and return later to weak areas. This keeps preparation measurable instead of random.

Topic practice

Practise by exam topic with instant answer checking and continuity so users do not keep restarting from the same questions.

Guided journeys

Move through concept cards, quiz ladders and gatekeeper checks that match each exam’s syllabus structure.

Mock tests

Attempt stage-specific mocks that balance sections according to the selected exam rather than using one generic test for everyone.

Analytics and AI tutor

Review accuracy, recent attempts, weak-topic queues and plain-English explanations after quizzes and mocks.

How the syllabus is managed

Exam → stage → section → topic → quiz

Kredly stores preparation as a structured curriculum. Each supported exam is split into its real stages such as prelims, mains, phase I or phase II. Each stage has sections, every section has topics, and each topic is connected to quiz ladders and question banks. That structure helps place questions in the correct topic, avoid duplicate questions inside the same exam, and create mocks that feel closer to the actual syllabus.

  1. 1. Choose exam: SBI PO, SBI Clerk, IBPS PO, IBPS Clerk, IBPS SO, IBPS RRB or RBI Grade B.
  2. 2. Follow stage: Prelims, mains, professional knowledge, Phase I or Phase II depending on the exam.
  3. 3. Practise topic: English, Quant, Reasoning, DI, GA, banking awareness, computer aptitude and role-specific topics.
  4. 4. Review outcome: Explanations, AI tutor support, reports and analytics turn mistakes into revision work.
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Exams covered

SBI, IBPS, RRB and RBI preparation in one place

Open full public syllabus guides →
SBI PO

SBI PO prelims and mains preparation

SBI PO needs two different rhythms: fast prelims accuracy and deeper mains problem-solving. The public syllabus below separates English, Quant, Reasoning, Data Analysis, Banking Awareness, and Computer Aptitude so aspirants can see where each topic belongs before starting the journey.

Read SBI PO syllabus guide
IBPS PO

IBPS PO prelims and mains preparation

IBPS PO combines prelims speed with mains depth. The syllabus map helps separate quick topics like approximation and inequalities from mains-heavy areas such as advanced puzzles, descriptive English, data analysis, banking awareness, and computer aptitude.

Read IBPS PO syllabus guide
SBI Clerk

SBI Clerk prelims and mains preparation

SBI Clerk rewards clean basics, short calculations, and steady accuracy. Prelims preparation should build speed in English, Numerical Ability, and Reasoning. Mains preparation adds wider general awareness, computer aptitude, and longer mixed sets.

Read SBI Clerk syllabus guide
IBPS Clerk

IBPS Clerk prelims and mains preparation

IBPS Clerk preparation should be practical and repeatable: fast prelims drills, consistent mains general awareness revision, and careful review of mistakes in English, numerical ability, and reasoning.

Read IBPS Clerk syllabus guide
IBPS SO

IBPS SO prelims and professional knowledge preparation

IBPS SO requires general banking-exam readiness plus role-specific professional knowledge. For IT Officer preparation, fundamentals such as operating systems, DBMS, networks, security, software engineering, programming, data structures, and OOPs need active MCQ practice.

Read IBPS SO syllabus guide
IBPS RRB Office Assistant

IBPS RRB Office Assistant preparation

IBPS RRB Office Assistant preparation is built around regional rural bank clerk-level speed, accuracy, and broad mains awareness. The syllabus includes reasoning, numerical ability, language, computer knowledge, and general/banking awareness.

Read IBPS RRB Office Assistant syllabus guide
IBPS RRB Officer Scale I

IBPS RRB Officer Scale I preparation

IBPS RRB Officer Scale I needs PO-style reasoning and quantitative ability with RRB-specific mains coverage. A good plan separates prelims speed from mains banking awareness, computer knowledge, language, and deeper reasoning or quant sets.

Read IBPS RRB Officer Scale I syllabus guide
RBI Grade B

RBI Grade B Phase I and Phase II preparation

RBI Grade B preparation is broader than a standard bank PO path. Phase I needs General Awareness, English, Quant, and Reasoning. Phase II needs Economic and Social Issues, Finance and Management, and writing skills. The guide below makes those layers visible before a learner enters the journey.

Read RBI Grade B syllabus guide
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Exam-wise syllabus snapshot

What each exam generally expects you to prepare

Every official notification can adjust details, so aspirants should always confirm the latest notification before applying. Kredly’s preparation structure is built around the recurring syllabus pattern used across these exams and separates prelims, mains, professional knowledge and phase-wise preparation wherever needed.

Exam
SBI PO
Prelims + Mains
English, Quantitative Aptitude, Reasoning, Data Analysis and Interpretation, Banking Awareness, Computer Aptitude and Descriptive English.
SBI Clerk
Prelims + Mains
English, Numerical Ability, Reasoning, General/Financial Awareness, Quantitative Aptitude and Computer Aptitude.
IBPS PO
Prelims + Mains + Descriptive
English, Quantitative Aptitude, Reasoning, Data Analysis and Interpretation, General/Economy/Banking Awareness, Computer Aptitude and Descriptive Writing.
IBPS Clerk
Prelims + Mains
English, Numerical Ability, Reasoning, Quantitative Aptitude, General/Financial Awareness and Computer Aptitude.
IBPS SO
Prelims + Professional Knowledge
English, Reasoning, General Awareness and specialist professional topics such as IT fundamentals, DBMS, OS, networking, programming and security.
IBPS RRB Office Assistant
Prelims + Mains
Reasoning, Numerical Ability, Quantitative Aptitude, Language, Computer Knowledge, General Awareness and Banking Awareness.
IBPS RRB Officer Scale I
Prelims + Mains
Reasoning, Quantitative Aptitude, Language, Computer Knowledge, General Awareness, Banking Awareness and officer-level problem-solving practice.
RBI Grade B
Phase I + Phase II
General Awareness, English, Quant, Reasoning, Economic and Social Issues, Finance and Management, and descriptive writing practice.
Detailed exam guide inside Kredly

Every supported exam needs a different preparation rhythm

The biggest mistake in bank exam preparation is treating every exam as the same. SBI PO, SBI Clerk, IBPS PO, IBPS Clerk, IBPS SO, IBPS RRB and RBI Grade B share some topics, but the weightage, depth, speed requirement and final role are different. Kredly keeps these paths separate so a candidate can practise the right topic at the right level.

SBI PO

SBI PO is one of the most aspirational bank officer exams because it leads to a probationary officer role in India’s largest public sector bank. Preparation has to cover prelims speed, mains depth and interview readiness. Prelims usually demands quick English, Quant and Reasoning accuracy, while mains pushes candidates into Data Analysis, advanced reasoning, banking awareness, computer aptitude and descriptive English.

In Kredly, SBI PO topics are arranged so the learner can first stabilise basics such as simplification, inequalities, syllogism and reading comprehension, then move towards tougher DI, caselets, puzzles and awareness revision. SBI PO aspirants should not wait until prelims are over to touch mains topics; the serious candidate builds mains familiarity early.

SBI Clerk

SBI Clerk is attractive for candidates who want a stable customer-facing banking role with strong brand value. The exam rewards consistent basics, clean calculation and section-wise time control. Prelims focuses on English, Numerical Ability and Reasoning, while mains expands into General/Financial Awareness, Computer Aptitude and broader quantitative practice.

Kredly’s SBI Clerk flow is useful for daily drills because clerk exams punish careless mistakes. A candidate who solves easy arithmetic but misses wording, or solves puzzles without timing, can lose the cutoff race. The platform keeps practice topic-wise so weak areas can be repaired before taking another mock.

IBPS PO

IBPS PO recruits probationary officers/management trainees for participating public sector banks. It is broad, competitive and highly pattern-driven. Candidates need prelims speed, mains-level DI and reasoning, General/Economy/Banking Awareness, Computer Aptitude and descriptive writing. A good IBPS PO plan alternates between quick prelims drills and longer mains sets.

Kredly separates IBPS PO from SBI PO because bank-wise exam personality matters. IBPS PO aspirants benefit from repeated mixed reasoning, data interpretation, essay/letter awareness and analytics that show whether mistakes are coming from concept gaps, speed pressure or option traps.

IBPS Clerk / Customer Service Associate

IBPS Clerk, now often described through the Customer Service Associate recruitment process, is a large multi-bank clerical recruitment path. The exam suits candidates who want a practical banking entry role through English, Numerical Ability, Reasoning, General/Financial Awareness and Computer Aptitude.

The difficulty is not only the question level; it is the volume of competition and the need to stay accurate across sections. Kredly helps by keeping daily practice short, measurable and topic-specific. A learner can revise simplification today, syllogism tomorrow and awareness later without losing track of attempts.

IBPS SO

IBPS SO is different because professional knowledge becomes central. For IT Officer style preparation, candidates need banking-exam sections plus computer science fundamentals such as operating systems, DBMS, networking, security, software engineering, programming concepts, data structures and object-oriented programming.

Kredly’s IBPS SO structure avoids mixing specialist preparation into generic aptitude. Technical topics are easier to revise when similar concepts are grouped together: process vs thread, normalization forms, routing protocols, encryption basics, SDLC models and programming logic. The goal is active MCQ recall, not passive reading.

IBPS RRB Office Assistant

IBPS RRB Office Assistant is designed for regional rural bank clerical roles. It combines speed-based reasoning and numerical ability with mains coverage in language, computer knowledge, general awareness and banking awareness. Many candidates like this path because it connects banking work with regional and rural financial services.

Kredly keeps the RRB Office Assistant path distinct because language preference, rural banking context and mains awareness practice matter. A candidate should build prelims speed first, then protect mains performance through awareness and computer revision.

IBPS RRB Officer Scale I

IBPS RRB Officer Scale I is the officer-level rural bank path. It needs PO-style reasoning and quantitative ability along with RRB-specific mains sections such as banking awareness, computer knowledge, language and general awareness. The role expectation is broader than clerical work, so decision quality and consistency matter.

Kredly helps Officer Scale I aspirants separate speed errors from concept errors. A puzzle mistake, a DI interpretation miss and a banking awareness recall miss require different revision methods. Treating them as one generic “wrong answer” slows improvement.

RBI Grade B

RBI Grade B is a central banking career path and is broader than a regular bank PO exam. Phase I screens candidates through General Awareness, English, Quant and Reasoning. Phase II then demands Economic and Social Issues, Finance and Management, and descriptive writing. This makes RBI preparation both factual and conceptual.

Kredly’s RBI Grade B path emphasises separation between Phase I speed and Phase II depth. A serious candidate needs current affairs, RBI functions, monetary policy basics, economy concepts, finance terms, management principles and writing practice. It is not enough to solve aptitude questions alone.

Common syllabus areas

What users can study inside Kredly

Bank exams repeat a core set of aptitude and awareness skills, but each exam changes the depth, timing and section mix. Kredly keeps these areas separated so a learner can practise exactly where the mistake happened.

English Language

Reading comprehension, cloze test, para jumbles, fillers, sentence correction, error spotting, vocabulary and descriptive English where applicable.

Quantitative Aptitude

Simplification, approximation, number series, quadratic equations, arithmetic word problems, percentages, profit-loss, time-work and speed-distance.

Reasoning Ability

Syllogism, inequalities, blood relation, direction sense, coding-decoding, seating arrangement, puzzles, input-output and logical reasoning sets.

Data Interpretation and Analysis

Tables, bar charts, line graphs, pie charts, caselets, missing DI, mixed DI, comparison sets and mains-level analytical questions.

General and Banking Awareness

Banking terms, RBI functions, monetary policy, financial awareness, current affairs, government schemes and static GK revision.

Computer and Professional Knowledge

Computer basics, networking, operating systems, DBMS, security, software engineering and role-specific IBPS SO professional knowledge.

Feature details

What each Kredly feature is for

Practice

Quick topic-wise questions for daily solving. Practice is meant for building habits, testing concepts and getting immediate answer feedback without waiting for a full mock.

Journey

A guided exam path where topics are arranged under the correct section and stage. Users can continue from where they left off and use quiz ladders to build mastery.

Mock

Timed, exam-style practice for building speed, stamina and section balance. Mock review helps identify whether the next study block should target English, Quant, Reasoning or awareness.

Compete

A leaderboard-style space for comparison and consistency. Competition can make routine preparation feel more active without replacing serious revision.

AI tutor

Explanations and coaching notes help users understand why an answer is correct, why a tempting option is wrong, and what concept needs revision.

Question reports

If a user spots an incorrect answer, mismatch or missing data, the report flow collects structured feedback so the system can verify and correct content issues.

Why topic mapping matters

Good bank exam prep needs correct placement

A question about seating arrangement should not sit inside English, and a Data Interpretation set should not appear under simple arithmetic unless the topic is intentionally mixed. Kredly’s curriculum layout makes question placement visible: every question belongs to an exam, section, topic and quiz context. This makes duplicate checks, topic audits and mock generation more reliable.

The aim is simple: when a learner opens a topic, the questions should belong to that topic; when they open a mock, the mix should resemble the selected exam stage; and when they review answers, the marked correct option should match the explanation.

How to use Kredly daily

A repeatable 45-minute study block

10 minutes: revise one concept card or read the topic summary before solving.
20 minutes: solve a focused quiz or practice set without switching sections.
10 minutes: read explanations for wrong answers and guessed correct answers.
5 minutes: check analytics and decide the next weak topic to revisit.
FAQ

Common questions about Kredly

Is Kredly free?

Yes. Practice, journeys, mocks, competition, analytics, AI explanations and question reports are free right now.

Which exams are covered?

Kredly covers major Indian bank exam paths including SBI PO, SBI Clerk, IBPS PO, IBPS Clerk, IBPS SO, IBPS RRB Office Assistant, IBPS RRB Officer Scale I and RBI Grade B.

Is Kredily the same app?

Yes. Kredly is the correct spelling of the app at kredly.co.in. Some users search for Kredily, and this page refers to the same bank exam preparation platform.

Can I log in from the homepage?

Yes. The homepage includes Google login when configured and email-password login, so users can start directly from kredly.co.in.

Does Kredly only provide questions?

No. The app combines questions with syllabus maps, topic journeys, mocks, explanations, progress analytics, weak-area revision and question reporting.

How are mock tests different from practice?

Practice is topic-wise and flexible. Mocks are timed and exam-stage specific, so they are better for checking speed, pressure handling and section balance.

Official sources and important disclaimer

Always verify the latest notification before applying

Kredly is a preparation and practice platform. Exam names, syllabus areas, vacancy examples and reservation explanations on this page are educational summaries for aspirants. Final eligibility, category benefit, age relaxation, exam dates, application fee, document format, vacancy count and selection process must always be checked from the latest official notification.