The Essay Writing section of the RBI Grade B 2025 Descriptive English paper carries significant weight and often decides the scoring edge of aspirants. With ~40 marks allotted to this section, candidates are required to write a 600-word essay on one out of two given topics. To perform well, aspirants must be well-prepared with content-rich, analytical, and well-structured essays on trending issues.
In this post, we present the Top 30 most expected and probable essay topics for the RBI Grade B 2025 exam, along with sub-points, data insights, and writing directions to help you prepare effectively.
Why Prepare Essay Topics in Advance?
- Predictability: Though the exact topics may vary, RBI typically asks questions from economy, finance, governance, and social issues.
- Content Readiness: Pre-preparing facts, examples, and structures helps in faster drafting during the exam.
- Confidence: Familiarity reduces panic and allows you to focus on typing fluently.
- Scoring Edge: A well-prepared essay can fetch 28–30 marks out of 40.
Top 30 Expected Essay Topics for RBI Grade B 2025
🔹 Economy & Finance (Core RBI Domain)
- India’s Journey to Becoming a $5 Trillion Economy – Challenges & Opportunities
- Growth drivers, structural reforms, role of RBI, global challenges.
- Inflation Management in India – Role of RBI and Monetary Policy
- Repo rate adjustments, inflation targeting, global commodity prices.
- Financial Inclusion and Digital Banking in India
- UPI, Jan Dhan, Aadhaar, digital literacy challenges.
- Non-Performing Assets and Banking Sector Health
- Reforms, Insolvency and Bankruptcy Code, bad bank concept.
- Cryptocurrency and RBI’s Stance on Digital Currency
- Pros/cons, CBDC (Digital Rupee), regulatory challenges.
- Green Financing and Sustainable Economic Growth
- ESG investments, climate bonds, RBI’s role in green transition.
- Role of RBI in Maintaining Financial Stability
- Monetary policy, inflation, currency management, crisis handling.
- India’s Export Competitiveness in the Global Market
- Trade policies, PLI scheme, global slowdown impact.
- Impact of AI and Fintech on the Indian Banking System
- Financial innovation, cyber risks, RBI regulation.
- Future of NBFCs in India – Regulation and Growth Potential
- Post-IL&FS reforms, RBI guidelines, MSME financing.
🔹 Social Issues and Governance
- Employee Well-Being and Mental Health at Workplace
- Stress management, productivity, RBI/SEBI guidelines.
- Education Reforms in India – National Education Policy (NEP) 2020
- Skill-based learning, digital education, implementation hurdles.
- Gender Equality in Workplaces – Challenges and Progress
- Women in banking, leadership roles, policy measures.
- Urbanization and Its Challenges in India
- Infrastructure strain, pollution, smart cities solutions.
- Healthcare Infrastructure in Post-Pandemic India
- Public-private partnership, telemedicine, insurance penetration.
- Unemployment in India – Structural vs. Cyclical
- Skill mismatch, gig economy, government initiatives.
- Corruption and Transparency in Public Governance
- Digital governance, RTI Act, accountability measures.
- Social Media – A Boon or Bane for Democracy?
- Fake news, political influence, regulation vs. free speech.
- Youth Empowerment in India – Role of Start-ups and Innovation
- Start-up India, digital entrepreneurship, angel investments.
- Impact of Migration on Indian Society and Economy
- Rural-urban migration, brain drain, climate migration.
🔹 Environment & Sustainability
- Climate Change and Its Impact on Indian Economy
- Agriculture, infrastructure, coastal risks, policy measures.
- Energy Transition in India – Balancing Growth with Sustainability
- Solar, wind, EV adoption, coal dependency.
- Water Crisis in India – Causes and Solutions
- Groundwater depletion, river linking, policy interventions.
- Sustainable Development Goals (SDGs) – India’s Progress
- Poverty reduction, education, environment.
- Disaster Management in India – Policy and Preparedness
- Floods, earthquakes, pandemics, NDMA role.
🔹 Technology & Future of Work
- Artificial Intelligence in Banking – Opportunities and Risks
- Chatbots, fraud detection, ethical concerns.
- Future of Jobs in a Digital Economy
- Automation, reskilling, gig economy, job displacement.
- Cyber Security in Indian Banking System
- Rising digital transactions, fraud risks, RBI guidelines.
- Impact of 5G Technology on Indian Economy
- Digital connectivity, rural empowerment, fintech growth.
- E-Governance in India – Progress and Challenges
- Digital India mission, transparency, last-mile connectivity.
How to Approach These Essays
- Introduction – Define the topic, give context, quote or data.
- Body – Present issues, causes, and implications with examples.
- Balanced View – Pros/cons, opportunities/challenges.
- Solutions & Role of RBI/Policymakers – Practical measures.
- Conclusion – Optimistic, futuristic outlook.
Example Essay Outline
Topic: Financial Inclusion and Digital Banking in India
- Intro: Define financial inclusion, RBI’s mandate.
- Body:
- Achievements: UPI, Jan Dhan, Aadhaar.
- Challenges: digital literacy, rural access, cyber risks.
- Role of RBI: regulatory framework, innovation.
- Conclusion: Inclusive growth through technology + regulation.
Practice Tips for Essay Preparation
- Maintain a notebook of facts, quotes, and RBI reports.
- Practice 2 essays weekly (600 words, timed).
- Focus on typing speed and formatting.
- Use government data sources like Economic Survey, RBI reports, NITI Aayog papers.
Conclusion
The Essay Writing section in RBI Grade B 2025 is your chance to shine. Preparing on these 30 most probable topics will not only help in the exam but also build a strong knowledge base useful in interviews and your future career as an RBI officer.
Consistency in practice, clarity in thought, and a balanced analytical approach will ensure that you stand out in this high-stakes paper.