Learn how to crack IBPS, SBI, and RBI banking exams without coaching. Step-by-step strategy, best books, self-study tips, and mock test guidance for success in 2026.
Introduction
Banking jobs are one of the most secure and respected career options in India. Exams like IBPS PO, IBPS Clerk, SBI PO, SBI Clerk, and RBI Assistant attract millions of aspirants every year. With rising competition, most candidates think coaching is necessary to succeed. However, many toppers have proved that with proper planning, discipline, and smart study techniques, it is possible to prepare for banking exams without coaching. This article provides a complete roadmap for self-study and shows how you can crack these banking exams on your own.
1. Understand the Banking Exams Pattern
Before you begin, you must be fully aware of the exam pattern.
- Prelims Exam: English Language, Quantitative Aptitude, Reasoning Ability
- Mains Exam: Reasoning & Computer Aptitude, Data Analysis & Interpretation, General/Economy/Banking Awareness, English Language
Knowing the Banking Exams pattern helps in deciding how much time to dedicate to each subject and which sections need more focus.
2. Collect the Right Study Material
The quality of study material makes a big difference in self-study. Choose reliable books and trusted online sources.
- Quantitative Aptitude: Quantitative Aptitude by R.S. Aggarwal, Fast Track Arithmetic by Rajesh Verma
- Reasoning: A Modern Approach to Verbal & Non-Verbal Reasoning by R.S. Aggarwal
- English: Word Power Made Easy by Norman Lewis, Objective English by S.P. Bakshi
- General Awareness: Banking Awareness by Arihant, Lucent GK, and daily current affairs from online platforms
3. Create a Realistic Study Plan
Discipline and planning are essential when you do not attend coaching classes. Make a practical study timetable that you can stick to.
- Dedicate 6 to 8 hours daily for focused study
- Divide time for each subject based on your strengths and weaknesses
- Reserve the last two months only for revision and mock tests
4. Use Online Resources Effectively
Self-preparation is easier today because of free online study materials.
- Watch video lectures on YouTube for difficult topics
- Download free PDFs, e-books, and quizzes from educational websites
- Join Telegram groups for daily practice questions and study updates
5. Practice Previous Year Papers
Previous year question papers are the best way to understand exam trends.
- Solve at least 10 years of past papers
- Identify repeated questions and important topics
- Time yourself while solving to improve speed and accuracy
6. Take Regular Mock Tests
Mock tests are an essential part of banking exam preparation.
- Attempt at least 2 to 3 mock tests weekly
- Analyze your mistakes and work on weak areas
- Improve accuracy and learn to manage time under exam conditions
7. Learn Time Management Techniques
Banking exams are a race against time. Good knowledge without speed will not fetch high marks.
- Practice mental math and shortcut tricks
- Attempt easier questions first and leave the tough ones for later
- Build speed in reading comprehension and data interpretation
8. Strengthen General and Banking Awareness
This section can boost your score if prepared properly.
- Read newspapers like The Hindu or Economic Times for daily current affairs
- Study monthly current affairs magazines or apps
- Focus on banking terms, RBI updates, government schemes, budget highlights, and economic surveys
9. Revise Consistently
Without regular revision, you will forget what you studied.
- Keep a separate notebook for formulas, shortcuts, and important facts
- Revise current affairs weekly instead of leaving everything for the last moment
- Spend the last few weeks only revising and practicing mock tests
10. Stay Motivated and Consistent
Preparing without coaching requires strong willpower and discipline.
- Set small daily or weekly targets and achieve them
- Avoid wasting time on unnecessary distractions
- Read success stories of toppers who cracked exams without coaching for inspiration
FAQs: Banking Exams
Q1: Can I clear banking exams without coaching?
Yes, many toppers have successfully cleared banking exams through self-study by following a structured plan.
Q2: How many hours should I study daily for Banking Exams?
On average, 6 to 8 hours of focused study is enough if maintained consistently.
Q3: Which books are best for Quantitative Aptitude?
Quantitative Aptitude by R.S. Aggarwal and Fast Track Arithmetic by Rajesh Verma are highly recommended.
Q4: How important are mock tests?
Mock tests are crucial for improving time management, accuracy, and identifying weak areas.
Q5: Is self-study better than coaching?
Self-study gives flexibility and independence. Coaching can help, but success mainly depends on your hard work and strategy.
Conclusion
Coaching may help, but it is not mandatory for cracking banking exams. With the right study material, a realistic plan, regular practice, and consistent revision, you can succeed on your own. Remember, self-study not only saves money but also builds confidence and self-reliance. If you are disciplined and follow the strategies mentioned above, cracking exams like IBPS, SBI, and RBI is absolutely possible without coaching.
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