The IFSCA Grade A 2025 Descriptive English paper consists of three parts: Essay, Precis, and Reading Comprehension. Among these, Essay and Precis carry a combined weight of 65 marks out of 100, making them crucial for final selection.
To help you prepare effectively, Bank Whizz has compiled model essays and precis samples that reflect the expected structure, language, and approach. These are based on current themes, regulatory developments, and financial trends relevant to the exam.
📘 Paper Overview: What You Need to Know
| Section | Word Limit | Marks | Time Allocation |
| Essay | ~300 words | 30 | ~20 minutes |
| Precis Writing | ~170 words | 35 | ~20 minutes |
| Reading Comprehension | ~5 subjective Qs | 35 | ~20 minutes |
🧠 Part 1: Sample Essays for IFSCA Grade A 2025
✅ Essay 1: Role of FinTech in Global Finance
Introduction
Financial Technology, or FinTech, has revolutionized global finance by digitizing banking, payments, lending, and investment. It has reshaped how individuals and institutions access financial services.
Body
FinTech offers faster transactions, lower costs, and greater inclusivity. With innovations like blockchain, robo-advisors, and neobanks, financial systems have become more user-centric. India’s UPI is a global example of FinTech-led transformation. However, risks like cyber threats, data privacy, and lack of regulation also pose challenges.
Conclusion
FinTech is driving global financial evolution. For sustained impact, a balanced approach combining innovation and regulation is essential.
✅ Essay 2: GIFT City – India’s Global Financial Hub
Introduction
The Gujarat International Finance Tec-City (GIFT City) is India’s bold step toward becoming a global financial services provider.
Body
With a dedicated regulator—IFSCA—GIFT City aims to bring international business onshore. It offers offshore banking, capital markets, and insurance services in a globally competitive environment. Its tax incentives, world-class infrastructure, and ease of doing business are attracting global firms.
Conclusion
GIFT City is key to India’s aspiration of financial leadership. Its success depends on policy consistency, regulatory clarity, and global investor trust.
✅ Essay 3: Green Finance and Sustainable Development Goals
Introduction
Green finance refers to investments in environmentally sustainable projects, aligned with global Sustainable Development Goals (SDGs).
Body
It includes financing renewable energy, electric mobility, green bonds, and sustainable infrastructure. As climate concerns grow, institutions and regulators are pushing for ESG compliance. India has launched its first sovereign green bond and created sustainability reporting norms.
Conclusion
Green finance is not just a trend but a necessity. With the right incentives, India can become a global leader in climate-aligned investments.
✍️ Essay Writing Tips
| Aspect | What to Do |
| Structure | Introduction – Body – Conclusion |
| Word Limit | Stick to ~200 words |
| Vocabulary | Use precise, formal English |
| Focus | Stay relevant to the topic |
| Balance | Present both sides where needed |
✂️ Part 2: Sample Precis for IFSCA Grade A 2025
✅ Precis 1
Original Passage Summary (450+ words):
The passage describes the evolution of financial inclusion in India, beginning with the nationalization of banks, the rise of self-help groups, Jan Dhan Yojana, and the role of digital banking. It highlights the current challenges of digital divide, dormant accounts, and lack of financial literacy. The government’s efforts through direct benefit transfers, fintech collaborations, and microfinance outreach are mentioned as positive developments.
Title: India’s Journey Toward Financial Inclusion
Precis (~170 words):
India’s efforts toward financial inclusion have evolved through nationalization, self-help groups, and government-led schemes like the Jan Dhan Yojana. These initiatives aimed at providing banking access to underserved sections of society. With the advent of digital banking and fintech solutions, access has improved significantly, allowing rural customers to benefit from services like mobile wallets and UPI. However, challenges remain, such as digital illiteracy, inactive bank accounts, and inadequate financial awareness. The government has initiated Direct Benefit Transfers (DBT) and expanded microfinance networks to address these issues. Fintech partnerships are further boosting access and transparency in welfare delivery. Financial inclusion in India is not merely about access but about ensuring meaningful, regular usage of banking services by all citizens.
✅ Precis 2
Original Passage Summary (480+ words):
The passage explores the impact of artificial intelligence (AI) in financial markets, particularly its role in trading, credit scoring, fraud detection, and personalized banking. It discusses how AI increases efficiency and accuracy, while raising concerns about algorithmic bias, job displacement, and ethical dilemmas. Regulatory challenges in keeping pace with innovation are highlighted.
Title: Artificial Intelligence in Modern Finance
Precis (~170 words):
Artificial Intelligence is reshaping modern finance by enhancing automation in trading, credit scoring, fraud detection, and customer service. With AI-driven tools, institutions can process data faster and make real-time decisions, improving efficiency and reducing operational costs. Personalized financial services, robo-advisors, and algorithmic trading are notable innovations. However, the rise of AI also introduces risks such as algorithmic bias, data misuse, and job displacement. Regulatory frameworks struggle to keep pace with these developments, creating gaps in accountability and ethical oversight. While AI holds immense promise, balancing innovation with fairness and transparency remains essential to ensure that technological progress does not compromise human trust and inclusivity in financial systems.
✍️ Precis Writing Tips
| Element | Best Practice |
| Word Limit | Stay around 170 words (as per exam instruction) |
| Title | Relevant, brief, and captures central idea |
| Language | Use your own words—no copy-paste |
| Tone | Neutral and objective |
| Content | Eliminate examples, data, and repetition |
| Coherence | Maintain logical flow from start to end |
💡 Final Words: Why Sample Practice Matters
Mastering descriptive English is not about memorization—it’s about expression. Reading sample essays and precis helps you:
- Understand the tone and flow examiners expect
- Learn how to compress thoughts clearly
- Avoid common grammatical and structural errors
- Improve content organization and language usage
🏁 Final Takeaway
The IFSCA Grade A 2025 Descriptive English paper is a golden chance to showcase your writing clarity, reasoning ability, and financial awareness. Use these sample essays and precis as benchmarks to shape your own writing.
With Bank Whizz, you can:
- Practice with updated topics
- Get personalized evaluation
- Access mocks tailored for IFSCA Phase 2
- Learn techniques that work under time pressure
Your preparation is only as strong as your practice.
Write. Edit. Improve. And repeat—with the right guidance and feedback.