We're a small team of bank officers who kept explaining the same things â how DSCR is calculated, what a repo rate cut actually changes, why a loan got rejected â and decided to write it all down properly, once, in one place.
AskBanker.in is built and maintained by a small team of practising and former bank officers â people who have sat on the other side of a loan file, sanctioned working capital limits, sat for JAIIB and CAIIB themselves, and answered the same customer questions across a bank counter more times than we can count.
We started this site because most banking content online is written by people who have never worked inside a bank.
Appraised loan files and sanctioned working capital limits.
Answered customers' everyday banking questions first-hand.
Sat the same IIBF exams our study guides cover.
Still close to how banks actually work today.
Every number below is live â click through to see it for yourself.
Everything on AskBanker.in is written from the same source material; we just show it differently depending on why you're here.
Start at the Customer's Lobby for calculators, the bank directory, and plain-English guides to your rights.
Start at the Banker's Lobby for appraisal tools, RBI circulars, and JAIIB/CAIIB material.
Our RBI Circulars page reads directly from RBI's own notification feed and Master Directions pages, refreshing automatically rather than relying on someone to copy-paste updates.
Each of our 39 bank profile pages links out to that bank's own official rate page, so you can always verify the number against the source.
DSCR, DP, MPBF and our other credit ratios follow the formulae used in real credit appraisal â the same ones covered in JAIIB/CAIIB â not simplified approximations.
Every guide on the JAIIB/CAIIB library is written by someone who has actually taken the exam or worked the desk it describes, not generated from a generic template.
Started with the concepts we were asked about most â DSCR, NPA classification, KYC â plus the EMI and ratio calculators to go with them.
Grew into 112 exam-focused guides across all four JAIIB/CAIIB papers, each with practice MCQs â now over 5,600 questions in total.
Built individual profile pages with live rates for 39 major banks, plus a searchable directory covering every bank, NBFC and co-operative bank in India.
Connected directly to RBI's own feeds so notifications, Master Directions and the circular archive (back to 2016) stay current without manual updates.
Split the site into two clear starting points, so a customer and a credit officer each land on what's actually relevant to them.
Spotted an error, have a suggestion, or a partnership enquiry?
More bank profiles, plain-English explainers for every fresh RBI circular, and expanding the discussion forum into a place where real bankers answer real questions â free, as it is today.
Every guide, calculator and the entire bank directory is free â no paywall, no account required, no hidden charges.
Not outsourced content â every guide is written or checked by someone who has actually worked in banking.
RBI circulars and bank rates are pulled from official sources automatically, instead of going stale on a page nobody updates.