Chapter 7 Statement Of Current Monthly Income And Means-Test: Fill & Download for Free

This is a great question. In the jurisdiction where I practice family law (Utah), the Utah Code tells you exactly what kind of parental income a court considers in determining child support:78B-12-207. Obligation -- Adjusted gross income used.Adjusted gross income shall be used in calculating each parent's share of the base combined child support obligation. Only income of the natural or adoptive parents of the child may be used to determine the award under these guidelines.78B-12-204. Adjusted gross income.(1) As used in this chapter, "adjusted gross income" is the amount calculated by subtracting from gross income alimony previously ordered and paid and child support previously ordered.(2) The guidelines do not reduce the total child support award by adjusting the gross incomes of the parents for alimony ordered in the pending proceeding. In establishing alimony, the court shall consider that in determining the child support, the guidelines do not provide a deduction from gross income for alimony.78B-12-203. Determination of gross income -- Imputed income.(1) As used in the guidelines, "gross income" includes prospective income from any source, including earned and nonearned income sources which may include salaries, wages, commissions, royalties, bonuses, rents, gifts from anyone, prizes, dividends, severance pay, pensions, interest, trust income, alimony from previous marriages, annuities, capital gains, Social Security benefits, workers' compensation benefits, unemployment compensation, income replacement disability insurance benefits, and payments from "nonmeans-tested" government programs.(2) Income from earned income sources is limited to the equivalent of one full-time 40-hour job. If and only if during the time before the original support order, the parent normally and consistently worked more than 40 hours at the parent's job, the court may consider this extra time as a pattern in calculating the parent's ability to provide child support.(3) Notwithstanding Subsection (1), specifically excluded from gross income are:(a) cash assistance provided under Title 35A, Chapter 3, Part 3, Family Employment Program;(b) benefits received under a housing subsidy program, the Job Training Partnership Act, Supplemental Security Income, Social Security Disability Insurance, Medicaid, SNAP benefits, or General Assistance; and(c) other similar means-tested welfare benefits received by a parent.(4)(a) Gross income from self-employment or operation of a business shall be calculated by subtracting necessary expenses required for self-employment or business operation from gross receipts. The income and expenses from self-employment or operation of a business shall be reviewed to determine an appropriate level of gross income available to the parent to satisfy a child support award. Only those expenses necessary to allow the business to operate at a reasonable level may be deducted from gross receipts.(b) Gross income determined under this Subsection (4) may differ from the amount of business income determined for tax purposes.(5)(a) When possible, gross income should first be computed on an annual basis and then recalculated to determine the average gross monthly income.(b) Each parent shall provide verification of current income. Each parent shall provide year-to-date pay stubs or employer statements and complete copies of tax returns from at least the most recent year unless the court finds the verification is not reasonably available. Verification of income from records maintained by the Department of Workforce Services may be substituted for pay stubs, employer statements, and income tax returns.(c) Historical and current earnings shall be used to determine whether an underemployment or overemployment situation exists.(6) Incarceration of at least six months may not be treated as voluntary unemployment by the office in establishing or modifying a support order.(7) Gross income includes income imputed to the parent under Subsection (8).(8)(a) Income may not be imputed to a parent unless the parent stipulates to the amount imputed, the parent defaults, or, in contested cases, a hearing is held and the judge in a judicial proceeding or the presiding officer in an administrative proceeding enters findings of fact as to the evidentiary basis for the imputation.(b) If income is imputed to a parent, the income shall be based upon employment potential and probable earnings considering, to the extent known:(i) employment opportunities;(ii) work history;(iii) occupation qualifications;(iv) educational attainment;(v) literacy;(vi) age;(vii) health;(viii) criminal record;(ix) other employment barriers and background factors; and(x) prevailing earnings and job availability for persons of similar backgrounds in the community.(c) If a parent has no recent work history or a parent's occupation is unknown, that parent may be imputed an income at the federal minimum wage for a 40-hour work week. To impute a greater or lesser income, the judge in a judicial proceeding or the presiding officer in an administrative proceeding shall enter specific findings of fact as to the evidentiary basis for the imputation.(d) Income may not be imputed if any of the following conditions exist and the condition is not of a temporary nature:(i) the reasonable costs of child care for the parents' minor children approach or equal the amount of income the custodial parent can earn;(ii) a parent is physically or mentally unable to earn minimum wage;(iii) a parent is engaged in career or occupational training to establish basic job skills; or(iv) unusual emotional or physical needs of a child require the custodial parent's presence in the home.(9)(a) Gross income may not include the earnings of a minor child who is the subject of a child support award nor benefits to a minor child in the child's own right such as Supplemental Security Income.(b) Social security benefits received by a child due to the earnings of a parent shall be credited as child support to the parent upon whose earning record it is based, by crediting the amount against the potential obligation of that parent. Other unearned income of a child may be considered as income to a parent depending upon the circumstances of each case.78B-12-205. Calculation of obligations.(1) Each parent's child support obligation shall be established in proportion to their adjusted gross incomes, unless the low income table is applicable. Except during periods of court-ordered parent-time as set forth in Section 78B-12-216, the parents are obligated to pay their proportionate shares of the base combined child support obligation. If physical custody of the child changes from that assumed in the original order, modification of the order is not necessary, even if only one parent is specifically ordered to pay in the order.(2) Except in cases of joint physical custody and split custody as defined in Section 78B-12-102 and in cases where the obligor's adjusted gross income is $1,050 or less monthly, the base child support award shall be determined as follows:(a) combine the adjusted gross incomes of the parents and determine the base combined child support obligation using the base combined child support obligation table; and(b) calculate each parent's proportionate share of the base combined child support obligation by multiplying the combined child support obligation by each parent's percentage of combined adjusted gross income.(3) In the case of an incapacitated adult child, any amount that the incapacitated adult child can contribute to the incapacitated adult child's support may be considered in the determination of child support and may be used to justify a reduction in the amount of support ordered, except that in the case of orders involving multiple children, the reduction shall not be greater than the effect of reducing the total number of children by one in the child support table calculation.(4) In cases where the monthly adjusted gross income of either parent is between $650 and $1,050, the base child support award shall be the lesser of the amount calculated in accordance with Subsection (2) and the amount calculated using the low income table. If the income and number of children is found in an area of the low income table in which no amount is shown, the base combined child support obligation table is to be used.(5) The base combined child support obligation table provides combined child support obligations for up to six children. For more than six children, additional amounts may be added to the base child support obligation shown. Unless rebutted by Subsection 78B-12-210(3), the amount ordered may not be less than the amount which would be ordered for up to six children.(6) If the monthly adjusted gross income of either parent is $649 or less, the tribunal shall determine the amount of the child support obligation on a case-by-case basis, but the base child support award may not be less than $30.(7) The amount shown on the table is the support amount for the total number of children, not an amount per child.(8) For all worksheets, income and support award figures shall be rounded to the nearest dollar.78B-12-210. Application of guidelines -- Use of ordered child support.(1) The guidelines in this chapter apply to any judicial or administrative order establishing or modifying an award of child support entered on or after July 1, 1989.(2)(a) The guidelines shall be applied as a rebuttable presumption in establishing or modifying the amount of temporary or permanent child support.(b) The rebuttable presumption means the provisions and considerations required by the guidelines, the award amounts resulting from the application of the guidelines, and the use of worksheets consistent with these guidelines are presumed to be correct, unless rebutted under the provisions of this section.(3) A written finding or specific finding on the record supporting the conclusion that complying with a provision of the guidelines or ordering an award amount resulting from use of the guidelines would be unjust, inappropriate, or not in the best interest of a child in a particular case is sufficient to rebut the presumption in that case. If an order rebuts the presumption through findings, it is considered a deviated order.(4) The following shall be considered deviations from the guidelines, if:(a) the order includes a written finding that it is a deviation from the guidelines;(b) the guidelines worksheet has:(i) the box checked for a deviation; and(ii) an explanation as to the reason; or(c) the deviation is made because there were more children than provided for in the guidelines table.(5) If the amount in the order and the amount on the guidelines worksheet differ by $10 or more:(a) the order is considered deviated; and(b) the incomes listed on the worksheet may not be used in adjusting support for emancipation.(6)(a) Natural or adoptive children of either parent who live in the home of that parent and are not children in common to both parties may at the option of either party be taken into account under the guidelines in setting a child support award, as provided in Subsection (7).(b) Additional worksheets shall be prepared that compute the base child support award of the respective parents for the additional children. The base child support award shall then be subtracted from the appropriate parent's income before determining the award in the instant case.(7) In a proceeding to adjust or modify an existing award, consideration of natural or adoptive children born after entry of the order and who are not in common to both parties may be applied to mitigate an increase in the award but may not be applied:(a) for the benefit of the obligee if the credit would increase the support obligation of the obligor from the most recent order; or(b) for the benefit of the obligor if the amount of support received by the obligee would be decreased from the most recent order.(8)(a) If a child support order has not been issued or modified within the previous three years, a parent, legal guardian, or the office may move the court to adjust the amount of a child support order.(b) Upon receiving a motion under Subsection (8)(a), the court shall, taking into account the best interests of the child:(i) determine whether there is a difference between the payor's ordered support amount and the payor's support amount that would be required under the guidelines; and(ii) if there is a difference as described in Subsection (8)(b)(i), adjust the payor's ordered support amount to the payor's support amount provided in the guidelines if:(A) the difference is 10% or more;(B) the difference is not of a temporary nature; and(C) the order adjusting the payor's ordered support amount does not deviate from the guidelines.(c) A showing of a substantial change in circumstances is not necessary for an adjustment under this Subsection (8).(9)(a) A parent, legal guardian, or the office may at any time petition the court to adjust the amount of a child support order if there has been a substantial change in circumstances. A change in the base combined child support obligation table set forth in Section 78B-12-301 is not a substantial change in circumstances for the purposes of this Subsection (9).(b) For purposes of this Subsection (9), a substantial change in circumstances may include:(i) material changes in custody;(ii) material changes in the relative wealth or assets of the parties;(iii) material changes of 30% or more in the income of a parent;(iv) material changes in the employment potential and ability of a parent to earn;(v) material changes in the medical needs of the child; or(vi) material changes in the legal responsibilities of either parent for the support of others.(c) Upon receiving a petition under Subsection (9)(a), the court shall, taking into account the best interests of the child:(i) determine whether a substantial change has occurred;(ii) if a substantial change has occurred, determine whether the change results in a difference of 15% or more between the payor's ordered support amount and the payor's support amount that would be required under the guidelines; and(iii) adjust the payor's ordered support amount to that which is provided for in the guidelines if:(A) there is a difference of 15% or more; and(B) the difference is not of a temporary nature.(10) Notice of the opportunity to adjust a support order under Subsections (8) and (9) shall be included in each child support order.

First of all, you have to know the syllabus and the exam pattern properlyPRELIMINARY EXAMINATION ( this has two parts)The preliminary examination is of objective types and here marks will not be counted for final merit list. Passing marks are needed to sit for mains examinations.Phase I ( 200 marks )Current affairs ( 60–70% questions come here)History of IndiaGeography of the world (Physical, Social, Economic)Indian Polity and Governance-ConstitutionEconomic and Social DevelopmentGeneral Issues (Environmental Ecology, Bio-Diversity, Climate change etc.)General SciencePhase ii / CSAT ( 200 marks )Comprehension Skill (English) ( 60–70% questions come here)Interpersonal SkillsLogical Reasoning and Analytical AbilityDecision making and problem-solvingGeneral mental abilityBasic NumeracyData InterpretationMain examination syllabusQuestions in mains examinations are of descriptive types and here in every paper, you have to face twenty questions.Essay paper ( 250 marks )Here, you are required to write an essay on a specific topic within word limits.General studies paper 1 ( 250 marks )Indian heritage/ culture, World history, and geographyGeneral studies paper ii ( 250 marks )Governance, constitution, polity, social justice and international relationshipsGeneral studies paper iii ( 250 marks )Technology, Economic Development, Bio-diversity, Environment, security and disaster managementGeneral studies paper iv ( 250 marks )Ethics, integrity, and aptitudeOptional paperOptional paper is divided into two partsPaper i ( 250 marks )Paper ii ( 250 marks )Interview ( for 275 marks )Now the preparation strategyPhrase i ( preliminary examination)Current affairs - For current affairs, you must follow the HINDU newspaper regularly and try to make notes from the HINDU as well as you have to follow YOJANA / KURUKSHETRA magazine and here you can follow any one of these two but you should follow thoroughly for whatever you follow. If possible try to follow a popular news channel regularly and whatever you follow for current affairs from newspapers, you should note down those regularly and if you regularly invest 1 - 1.30 hours for current affairs, it is enough for you and especially for some burning topics you should always focus on the background or the real cause of those burning news topics as well as try to know the influence of those burning issues on our present scenario in our society and in our country as well.For the more you may follow the monthly current affairs of VISION IAS and INSIGHT IAS, IAS today.in as well as you may follow Press Information Bureau, PRS | Home ( these two are very good as well as helpful too) and the websites of various ministries of our central government too.How to proceed for reading newspapers and how to make notes from newspapers …………………………….First of all, I want to say that before going to follow any newspaper for UPSC exam, you should keep three things in your mind -Which newspaper you should follow.What you should follow from newspapers and how you should follow.How you will make notes from newspapers.so, now how to start……………………At first, pick the right one which is apt for UPSC exam because if you don’t follow the right one, you will face lots of difficulties. That’s why I will like to suggest you follow the HINDU or the Indian Express but where the maximum number of candidates follow the HINDU, I'll like to suggest you follow the HINDU otherwise you can follow the Indian Express. Both the newspapers are equally good in quality so you can pick up any newspaper between these two mentioned above.Next important part is what to follow and how to followHow to follow any news from newspapersBefore going to follow any news from newspapers, you should keep two things in your mind and those are…………………….Background of any newsInfluence or effects of that news in the present scenario of our country.Here, I am drawing an example of these two rules…………..recently, “Demonetisation” has happened in our country and due to this incident rs. 500 and rs. 1000 have been changed widely in our entire county. So when you will read this news, you should follow two ways to have a clear picture on demonetization.Background/cause of demonetization - Recent demonetization of rs.500 and rs.1000 notes is taken to control black money, counterfeit currency, and corruption with the help of Swiss Bank officials.For this our central govt. have set up a SIT to deal with investigations on individuals of tax evasion and income tax declaration scheme.Influence/effects of demonetisation -( Positive Sides of demonetization )It mobilized tax revenue of nearly rs. 65,000 cr.It has helped our govt. to cut tax rates and interest rates respectively to encourage investments while being on track to attain the fiscal deficit and growth targets.Demonetisation has boosted cashless transactions with some prominent features like no service tax on cashless transaction below rs. 2000, announced monthly jackpots for people using cashless transactions in govt. services, reducing self-assessment tax from 8% to 6% with an annual turnover of less than 2 cr, providing cash banks ranging from 0.25% to 0.75% on various transactions like fuel, stamp papers, govt. registrations etc, and other incentivesDue to demonetization terror activism also became slow down due to lack of money in the present scenarioOur govt. have mobilized tax revenue of nearly rs. 65,000 cr.( Negative sides of demonetization )In the financial year, 2015–16 our GDP was 7.6% but due to demonetization it has come down by 0.5% to 1.5%India’s tax to GDP ratio is quite slow at 16.6% in comparison with other countries’ economicsSmall and medium-sized enterprises got negatively affected due to less cash in the market for continuing transaction or buying or selling. The labor wages in this sector are largely paid in cash and wages have been adversely affected by the demonetization move. Unemployment has also been reported owing to decline in demand for SME goods as the purchasing power of the consumers has contracted in the short term. Other sectors within the SME space like restaurants and transport operators have also been negatively impacted since economic activity has declined and also due to the fact that there is a high tendency in this segment to accept payments through cash only.Agriculture in our country has also widely affected due to demonetization. This is one sector where all transactions are in cash and, given the values involved, involve the higher denomination notes. The withdrawal of the old currency notes has put pressure on the mandis; farmers are having problems in selling their produce as both the parties have to agree on the mode of payment. Also since there is an acute shortage of Rs 500 denomination notes presently, change for the high denomination Rs 2000 notes is not readily available with the vegetable and fruit vendors. This is also taking the buyers away from these vendors to big retail markets thus impacting the livelihood of the unorganized sector.Employed sectors have also adversely affected due to demonetization. We all know that manufacturing sector which accounts for the highest employment of skilled and semi-skilled laborers, is witnessing the slowdown in production; not only fewer jobs are being created but layoffs are also taking place at a higher rate.SO, this is the way you should follow in reading any news from newspapers as well as in making notes too. ( background - proper facts and figures with positive sides and negative sides too )Now the most important part is what to read and what not to readFor Prelims, you should follow important govt. schemes, policies, important events, organizations, scientific and other developmentsFor MAINS you should follow development in areas in all gs papers, analysis of issues ( you have to analyze important issues with positive sides and negative sides along with proper background), schemes and policies of govt in details, and other important facts and figures. Here one thing you should keep in your mind that you have to deeply analyze those which you followed for prelims. In mains, you should not only know the news but also you should deeply analyze the news with proper reasons.Now I have divided all the pages of the HINDU as I personally follow this newspaper otherwise if you follow the Indian Express, you will also find the similarity I'm going to share with you.Front page - Read thoroughly and try to find issues related to latest developments.City/ State based - focus on important decisions and latest policy developments and skip any local newsNation related news - here you have to find the news which are related to the latest schemes, policies, decisions of our govt. But here you should mostly read those related to your gs papers.Editorial news ( vvi ) - you have to thoroughly follow the editorial news as here there is important news with proper analysis and important opinions by some experts. Don’t leave any line or any portion untouched because here every line or every portion is very important. So here you should have an average idea with clear conceptions and if possible try to mark important opinions too.International news - Here you should follow the news which highlights our country’s relation with other countries.Business - It is very important for prelims as well as in gs paper 3 in mains too. Here you should follow events, organizations, economic developments, economic policies but you should skip company or PSU related newsSports - There is no importance in following this area but if you find some development issues in any sports field, you can keep that in mind.So, in short, to say, when you will follow the newspaper for UPSC exam, you should keep three things in your mind and those are - important govt. policies/schemes, India's relation with other countries or India's position to the eye of the world, development related issues and if you follow the previous years’ question papers, you will find that 95% question covered these three areas for the maximum time. So you should pay an eagle eye on these three areas with proper analysis.And one more important part is that don’t follow current affairs from prelims perspective rather than try to follow the newspaper from mains perspective because in main not only you have to know what is the news but also you have to know why is the news and how the impact of the news is on our current scenario. So if you follow current affairs from mains perspective, current affairs for prelims will automatically be covered well.And if you find any problem with any news article, you can surely take the help of internet. You can follow WIKIPEDIA, INVESTOPEDIA, BUSINESS STANDARDS etc.Art of answer writingGive an introduction at firstexplain your introduction with proper facts and figuresand then the conclusionyour explanation must have a proper link between your introduction and your conclusion as wellThe more perspectives you will explain your answer from, the more chances you will have to carry higher marks and UPSC also demands this from us. As for an example, if you write a history question, try to explain or write that answer not only from historical perspective but also you should try to explain that one from the perspectives of geography, polity, sociology, economics etc but your perspectives by which you are explaining must have a proper link with what the question is demanding actually from you.Pay your focus on the quality within the proper word limitsYour answer must be divided into some paragraphsTry to highlight important quotes or important opinionsTry to use simple sentence and input simple words known to allDon't go beyond the question demands or question topicTry to answer to the point. Don't give anything extra.Your answer must be positive overall. You must be optimistic in answering to questionsDon't input your personal views as I want to say......... or according to me.............. (must not be)Try to answer in the indirect form as we should do................ or our country.............. (like this)If you want to criticise, your criticism must be constructive or logical tooIf you can make proper diagram or chart in your answer, it will be also helpful tooTry to avoid sticking off your answers or lines repeatedly.Focus on your handwriting too because it is also very importantOne of the most important parts is that if possible, try to answer from the perspective of current affairs too and if you can answer from this particular one also, your answer will obviously go to the rich quality but always remember that your answer must have a proper link with whatever you explainPrelims gs papers - For this section just try to follow the books of NCERT thoroughly as well as try to follow the books of Arihant Macbook publication. The books of Arihant publication are also very good. Here in these books everything is described in pointwise as well as in concise and notes format. As well as with these books try to keep some more books too and those are - Indian polity by M. LAXMIKANTH, Indian Economy by Ramesh Singh, Indian history by V.K.Agnihotri /Krishna Reddy, for geography of Spectrum Publication and for general science you can follow the objective general science of Arihant Publication/ Lucent’s general science as well you can try for the books of Pratijogita Darpan too. I think these books are enough.CSATHere maximum questions are passage oriented and this portion is a matter of practice. So the more you will practice, the more benefits you will have here. you can follow the prelims gs paper ii of Tata magrow hill publication as well as you should practice by following previous years’ question papers.For math, you can follow R.S.Agarwal / quantitive aptitude by Dinesh Khattar of Pearson publication, M. Tyra ( for short tricks ) and for practice, you can follow the math practice set of Kiran publication for SSC CGL ( here in this book of Kiran Publication you will have different types questions in every chapter )For reasoning, R.S.Agarwal / reasoning book of B.S.sijwali and Indu Sijwali of Arihant Publication.Try to follow a dictionary regularly for at least two pages in every day.ESSAY WRITINGTHE STEP BY STEP PROCESS FOR WRITING AN ESSAYThe first step in writing an essay is to be sure that you should have clearly understood what the essay topic exactly means or demands from you. Suppose, you are asked to write an essay on " a cricket match you have recently enjoyed" but "the game of cricket" is completely different and if you write on the latter subject, you are on the wrong track.Then thinking over the prescribed essay topic you should set some ideas or points according to the demands of your essay topic. As for an example I'm taking the above-mentioned topic that is - A CRICKET MATCH YOU HAVE RECENTLY ENJOYED and for that you should think of how did you reach the stadium?, how much you were excited about that cricket match?, how much the persons or your friends with whom you went to enjoy the match were excited?,how was the stadium?,how was the reaction or excitement within the spectators for that match?,how did the match begin?which team won the toss? how was the players' performance? who played well in that match? how was your reaction or excitement with your favorite player? and how your favorite player performed in that match?centering around the star players how was the spectators' reaction?how much satisfied you were in watching that match?how did that match end? how was the reaction of the winning team? how was the presenting ceremony?who came there as chief guests? etc......... these points you should set in your mind before writing.The next important part is to arrange your ideas or points and here you should set which point will come first, which will be second, which will come in the third position........... this way you should logically set points and if you do so, your points or ideas will surely come in the correct order.Now you have to develop every point into separate paragraphs. Here you should be aware of the fact that is every paragraph should deal with only one particular point or idea as in one your one particular paragraph if you put the reaction of the spectators, in that particular one you should explain only the reaction of the spectators and nothing else and when you will go to the next paragraph, the reaction of the spectators should not be there rather than something new points should be in the next paragraph and there you have to develop that particular point only. This way you have to proceed.Don't use the same point or same idea again and again.The final step is the revision and it's also essential.********Here one more important thing is the main body of your essay should have the proper link with your introduction and conclusion and whatever your conclusion is but that should be positive and in your conclusion you can even add your personal views too and one more important thing is your introduction too should be in such a way that whenever an examiner will pay its eyes on your introduction, that introduction as if creates an interest within itself to read your presentation from starting to the end with proper interest. in short to say " YOUR INTRODUCTION AND CONCLUSION SHOULD BE INTERESTING AS WELL AS POSITIVE TOO.""Essay writing is an art. How you are starting,how you are explaining and even how you are finishing always make a great value in essay writing and if you want to be strong in these three, practice is the only key to be a master in essay writing and the more you will think of your essay topics,the more new ideas you will gain and this will help you to write an essay completely from different angle and if you do so perfectly, your essay can be classy for that prescribed topic and these are also key factors to present a particular topic within word limits perfectly according to the demands of your essay topic"General studies paper 1 ( Indian heritage/ culture, world history, and geography )Maximum questions come from History, political philosophies, Indian society and GeographyIn Historical portion maximum question come from modern history. So, you have to pay an eagle eye on modern history. For modern history you can follow “History of modern India” by Bipan Chandra, “India’s struggle for independence” by Bipan Chandra, “India since independence” by Bipan Chandra, “ a brief history of modern India by Rajiv Ahir, “mastering modern world history” by Norman Lowe, “History of the world” by Arun Dev as well as try to follow Indian history and culture by V.K.Agnihotri or Indian History by Krishna Reddy. These are enough for history section.In Indian art and culture maximum questions come from salient aspects of art forms and literature and architecture from ancient to modern times and for this section you can follow “India’s ancient past” by Ramesh Sharma, “Facets of Indian culture” of Spectrum Publication, CCRT website is also very good, you can follow this too. Here in this part you must pay more focus on some portions and those are - Classical dances, important festivals, architecture of temples, themes of India's ancient history, literature and music/musical instrumentsPolitical philosophy is also an important part and here the focus area is - communism, socialism, and capitalism. Try to know the theories properly.Society of India - this part is also very important. Here the focus areas are - features of Indian society and diversity of India, role of women/women organisations/poverty and developmental issues/urbanization and their remedies, effects of globalization on Indian society, social empowerment/communalism/regional and secularism and for this area, there is no need to follow any book. Try to follow daily newspaper, websites of various departments, economical/political weekly ( follow business standard/ economics times on internet)Geography - Focus areas are - physical geography, natural resources, industrial sectors, natural disorders and for this section follow the basic NCERT books of 6–12 std, and Indian and world geography of Spectrum Publication.As well as try to follow the previous years’ question papers and do practice answer writing as well.General studies paper ii ( governance, polity, constitution, social justice, and international relationships )Try to follow Indian Polity by M. Laxmikanth thoroughly, follow daily newspaper as well. Try to follow the websites of various ministries for their annual reports. As well as try to follow M.Laxmikanth as well for international relationships.General studies paper iii ( Technology, economic development, biodiversity, environment, security, and disaster management )In the entire main exams, this gs paper iii is the most difficult one as well as it’s very vast as well. So you have to move very cautiously.Here are some steps to follow………….Try to enrich your base levelThis area is mostly related to current affairs. So try to follow the daily newspaper as well as try to take the help of internet as well. (vvi ) current affairs are mostly related to the economy and environment related.Try to focus on what to study and what not to studyTry to know economic budget, economic surveyHere your conception must be clear.Make notes mostly related to current affairs.This paper is diverse in nature. So your idea also must be diverse in nature as well as you have to relate whatever you are reading for this particular section with current affairs properly.Do practice answer writing regularlyHow to move for gs paper iii ( important areas)Indian economyQuestions are related with Economic growth and planningFocus areas are - Five-year planning, NITI aayog, taxation policies, various govt. programs/schemes/policies, economic budget, inclusive growth and for this try to follow std. economic books, books of NCERT as well as try to follow Yojana/ Kurukshetra magazine as well. Try to follow India yearbook and here one more important part is that whenever you will know the govt. policies/schemes, try to know its aim and how the policies/schemes will be implemented.Agriculture - corps and farmingFocus areas - Cropping patterns, irrigation, AMPC model, E- tech areas and for this section try to follow basic NCERT books, std geo books of spectrum/Khullar/ Majid HussainAgriculture - Policy measuresFocus areas - Subsidies, MSP, DBT, PDS reforms, FCI reforms, economics of animal rearing and for this section you have to follow eco survey on subsidies and PDS, follow current affairs and take the help of internet as wellFood processingFocus areas - what is food processing, backward and forward linkages, domestic/export markets, various govt. schemes. For this section, you have to follow MOFPI websites, food processing reports as well as follow the reports of CCI/IBEF/ASSOCHAM etc. Here in this section internet has a big role.Land reformsFocus areas - historical perspective, recent changes, movements and for this section try to follow the basic NCERT books of History and Bipan Chandra. You can follow PIB news as well (vvi).LPG ReformsFocus areas - Effects of liberalization process, changes in industrial policy, industrial growth and for this section you should follow economic survey and any std. book on economics and follow this area very well from that bookInfrastructure - Try to follow the newspaper and websites of ministry as wellInvestment models - Focus areas - Different models and strategies, need for PPP terms in India and for this section try to follow economic survey and try to know PPP terms very well as well as try to follow NCERT books and any std. economic book and follow the ministries websitesEnvironment and EcologyFollow current affairs as well as try to follow YAJONA/Kurukshetra magazine as well. Follow the official sites of ministries as well, you can follow India Yearbook. you can follow basic books too and for that Shankar IAS environment and ecology is very good as well as you can follow the book of Lexis Nexis publicationScience and technologyFollow current affairs, science reporter magazine and follow websites of ministriesDisaster managementFollow disaster management act, websites of ministriessecurity managementFollow the websites of ministries, ARC reports, Institute of defense studies and analysis reports and you can follow some books of McGraw hill publication/ Lexis Nexis or books of different publications.This paper is mostly based on internet and current affairs as well as you have to focus on this paper properly and mainly you have to know what to read and what not to read ( means important areas) and accordingly you have to move for this subject. Regular answer writing is also a necessary part.General studies paper iv ( Ethics and Integrity )This paper is to test the candidates’ attitude and approach to issues relating to integrity, probity in public life and his problem-solving approach to various issues and conflicts faced by him in dealing with society.You should always keep one thing in mind that ethics is not same as morals or what we read in moral science, but it is the ethics in the public administration, how does one treat, how does one solve the problems, your attitude towards women, refugee, migrants and etc. these are the qualities as public administrator a candidate should develop proactively.Important areas in Ethics to focusIf you follow the previous years’ question papers, the question papers are divided into two main parts as ……………● Part I – Theory● Part II – Case Studies.Ethics and Human Interface: Essence, determinants, and consequences of Ethics in human actions; dimensions of ethics, ethics in private and public relationshipsThis section is all about the ethics how you inculcate it and how you deal with the society, how do you see whether the action is ethical or not and what are the principles that you follow to ensure that the action is ethical or not.Under ethics and human interface the questions may be asked in the part I section based on the factors essence, determinants and consequences of ethics in human actions, dimensions of ethics, ethics in private and public relationships and these areas in focus will be covered under Part I.Human Values: Lesson from the lives and teachings of great leaders, reformers and administrators; role of family, society, and educational institutions in inculcating valuesUnder this area in focus will be lessons from the lives and teachings of great leaders, reformers, and administrators under this a candidate should concentrate on points like how do people acquire values and the majority of people acquire values when they read about the personality of importance like freedom fighters.Under this area, the UPSC may give some statement of any great personalities and would ask to discuss it by applying it to the present context.For e.g. any of the Gandhi’s statement or saying would be given and asked to discuss the context to the present environment.Here’s a glimpse how to answer these kinds of questions, the answer should be in 100 words.● Cover the first 25-30 words of your answer what the lines from the great personality means or stands for not literally but philosophically● Next, in 70-80 try to write about an incident relating to the saying which would have occurred in the society recentlyFor an e.g. if the question is about Gandhi’s saying on industrialization then a candidate approach should be towards the recent Make in India and should discuss more on cottage industries correlating the saying to the present context.What a candidate should always keep in mind while attempting to such answers are it is easy to answer these question in thinkers point of view, which UPSC does not want and what it looks for is how much the candidate has analyzed, utilized and applied it to the current context.How to answer to this sectionTo answer the questions in this part, you have to take different sayings of various great personalities and should make sure that the saying is not a common statement but which they could relate it to the present context and apply it.For an e.g. if it is about corruption, they should try to use it to the present situation and examples of scandals or scams which they would have read in the newspaper or witnessed in their life.It is recommended to aspirants to consider few books about 5-6 of great thinkers whom you admire, like or follow. Candidates can choose 3 books of Western Personalities like Socrates, Aristotle, and Plato and 2 books of Indian Origin like Gandhi, Ambedkar or anyone whom you like and get inspired. Here candidates, instead of memorizing their date of birth, the birthplace which is not of importance for this section one should give importance on what they preached in ethics.The next thing to focus in this area is the role of family, society and educational institutions in inculcating values.From where do we acquire values?We acquire values in from our family, society, and education institutionAttitude: Content, Structure, function; its influence and relation with thought and behavior; moral and political attitudes; social influence and persuasionIn this area, the question may be asked either in Part 1 or Part 2 i.e. either in theory or case study.Let’s take an example: Narendra Modi government want to bring Swachch Bharat Abhiyan successfully. And, you are a district administrator in a particular district and in that district, half of the villagers don’t use toilets and half of the villagers use toilets. What measures would you take to change the attitude of the people who are not using toilets?Attitude is a most important concept used by the media a lot so how would you change the attitude. There are three types called as ABC model and they are:● Affection● Cognitive● Behavioural basedAs a district collector, you would go through each model and make a case study on each model.In one of the previous year question paper, UPSC has asked the migration of village population to urban areas and why is this happening. And, this question was completely based on attitude.And, any candidate who would have approached and attempted the answer mentioning attitude would have definitely scored high.In this area, you should focus on Attitude: content, structure, function, its influence and relation with thought and behavior for Part 2 of the question paper i.e. Case Study while the moral and political attitudes; social influence and persuasion would be for Part 1 of the Ethics Question Paper i.e. theory.Aptitude: Foundational values for civil service, integrity, impartiality, and nonpartisanship, objectivity, dedication to public service, empathy, tolerance and compassion towards the weaker-sections.Here youshould use some ethical words in their answers and some of the words are:Integrity: Theory related question may be asked on this in Part 1 of the question paper like what is integrity? Or Definition of integrity.Here, the UPSC may give five related words and ask to write 50 words each carrying 5 marks.There may be case study based on this.These are the important list of words that a candidate should embed in their answer in order to enhance their answer and score high.● Integrity: not compromising on anything if someone offers your bribe will you compromise● Impartiality: Don’t show nepotism either for political parties or common man● Nonpartisanship: no biases for different political parties● Objectivity: be neutral● Dedication to public service● Empathy● Tolerance● Compassion towards weaker sectionThe first words mentioned are the universal administrative values, while the rest four as an administrator one should acquire especially in the developing country where there is inequality a lot.Hence, if you have observed, UPSC comes up with questions bringing in characters in the questions like 90 years old or a person who would have walked for 100km to reach your place.Candidates can refer the ‘Ethics in Governance’ to cover this area as it gives a clear definition of the last five words or concepts including Nolan Committee Recommendations.5. Emotional IntelligenceQuestions may be asked in both Part 1 and Part 2, for an e.g. questions like have undergone any emotional intelligence and how did you overcome it.Its definition, concepts and how would you apply them in administration.Here’s a scenario as an example, a thousand of protestors are protesting in front of a district administration office and as an administrator and you know the protest is for the wrong reason. How would you handle the situation?Here as an administrator, one has to follow the three procedures of Emotional Intelligence and they are:● Understand your emotions and control them● Understand others emotion and control them● Then, act according to solve the issue genuinely and effectively6. Contributions of moral thinkers and philosophers from India and the worldThis area again can be covered under the Human Values.7. Public or Civil Service Values and Ethics in Public AdministrationCandidates can refer ‘Ethics in Governance’The laws, rules, regulation, and conscience as sources of ethical guidance; accountability and ethical governance; strengthening of ethical and moral values in governance candidates can refer IGNOU8. Ethical issues in international relations and funding corporate governanceQuestions may be asked Part 2 i.e. case studyInternational relations funding candidates can take the example of Nepal Earthquake video how funding aided or any current similar such scenariosCorporate governance: corporate social responsibility; ethics and governance are not only required in administration but also applicable in the corporate offices, as an administrator in corporate offices or private offices, in any situation how would you deal them. E.g.: in sexual harassment cases.9. Probity in Governance: Concept of public service; philosophical basis of governance and probity; information10. Sharing and transparency in government, Right to information, codes of ethics, codes of conductTo cover Areas 9 and 10, candidates can refer CCS, 1964 – The Central Civil Services (Conduct) Rules, 1964, which is of 300-400 pages.It is also observed that every year two questions are asked in the case study from this section as discussed in the beginning.11. Citizen’s Charters, Work Culture, Quality of Service delivery, utilization of public funds, challenges of corruptionUPSC may ask direct questions on Citizen’s CharterTo frame a Citizen’s Charter, hence candidate should be aware of how to frame a Citizen’s Charter and the rules and regulation that should be followed before framing a citizen charter.Source: Ethics in GovernanceThe questions on this area would be mostly on the case study.Takeaway from this article on Ethics Syllabus● Many concepts are not yet explored by the UPSC; hence candidates should not ignore the untouched areas● Importance of conceptual clarity● Must know Code of Conducts● Citizen’s Charter, RTI● Probity in Governance Reports● Sources to refer: Ethics in Governance; IGNOU; Arora● Public Administration related case studies and its application● Prelims CSAT Paper and solve decision-making questionEthics, Integrity and Aptitude for Civil Services Examinationby G. Subba Rao and P.N. Roy ChowdhuryEthics - Integrity and Aptitudeby Santosh Ajmera and Nanda Kishore ReddyIAS Mains General Studies Paper 4 ETHICS INTEGRITY & APTITUDEby Arihant ExpertsHow to attempt the Case Study Questions of the Ethics GS Paper IV in the UPSC Main Exam● Write an outline of the scenario first● Write down the four options available to him● Next Step start the merits and demerits of all the optionsFor E.g. Corruption: Under merits, you could mention I’m against corruption and I will not accept bribe while under demerits you can mention you will lose monetary benefits● Finally, analyze the merits and demerits and come up with a solution.Optional PaperThis paper is completely depending on your own interest. Here you can choose any subject according to your own interest. Whatever you choose, you must have interest in that one, or try to feel that subject or love that subject and most importantly before going to choose any subject as your optional one try to follow previous years' question papers as well as the syllabus of every optional subject and if you do so, you will know better that which subject will be better for you to take up as your optional one and most importantly choose any subject as per your own capacity too.Some more important strategiesBe serious and confident as well.Try to follow current affairs until you can’t have success in this exam because in our present UPSC exam pattern Current affairs have a very big as well as very important role too.Try to make notes personally.Try to do practice answer writing daily.Make a specific target for every day and try to fulfill that in any way.Try to spend a maximum number of time for your self-study.Don’t rely only on your coaching materials.Try to focus on the quality but not on the quantity.Follow the previous years’ question papers.You should try to know everything in details for whatever you follow or read. Don’t leave any chapter untouched.Always try to have a clear idea of every fact and figure.Try to revise for ten times for whatever you personally follow. Revision is also a must.Highlight important areas.Focus on actual facts and figures.Try to know as well as try to answer your questions from different perspectives. The more perspectives you will answer your questions from, the more chances you will have to carry higher marks.Focus on your handwriting as well.During UPSC CSE preparation 80/90% candidates do some mistakes and among all of those, some common mistakes are -UPSC CIVIL SERVICE is very toughyes, it is tough but it is not so tough as we think. It seems to be tough to us because we think that it is tough but honestly speaking, if we seriously dedicate ourselves for this exam and if we make a proper strategy for this, it will be easy to handle and for that, i think, we should focus on making a proper strategy for this exam.Lack of proper planningA proper planning or a smart strategy is very important which maximum candidates don’t follow. Selecting some good books, focusing on important areas, going through every chapter in details, paying more focus on the basic conceptions, paying more focus on current affairs and accordingly trying to know the current events in details, doing practice answer writing regularly are very important to make a proper strategy.Depending on coaching institutes90% of aspirants join coaching institutes to make themselves prepared sharply for this exam. But here one point to be noted and that is if you join a coaching institution, that does not mean that you have a greater probability to clear UPSC exam because you have to know the role of a coaching institution and its effects upon yourself but you should not blindly follow the coaching institutes. Because, when you will join a coaching institute, that institute will show you a way by following which you can make out what to follow, what not to follow and how you will follow and the most important part is that the maximum number of aspirants think, i may be wrong in my opinion, that the material the coaching institutes provide is sufficient for their prefered exams and by following those materials they can easily pass the exams also. But it is absolutely wrong because according to the current scenario of UPSC, the question pattern is not static but it has been dynamic so no one can predict where the questions will come from but yes, depending upon their experience they can give you a probability of 20/30% of questions coming to that specific year you are appearing for in but no one can guess where the rest 70/80% of questions will come from.Our hardworking capacity with proper planning for this exam and according to that your devotion, dedication, and discipline can give us success in this exam. Institutions will show us the way but we have to be a dedicated labor to make that concrete by which we can run smoothly to make our dreams come true. So, we should pay more focus on ourselves and on our self-strategies because we are going to appear for UPSC but institutions don't.Lots of booksMaximum candidates think that for UPSC civil service exam they have to read a hundred numbers of books but in reality, it’s not the right fact and it’s not possible as well. For this I can say, we should select a few good books and go through all of those thoroughly and after that as much as possible we should revise those books. Here one thing, we, all should remember and that is how many books we are following is not the important part but the most important part is that how we are completing those books with proper conception and how many times we are doing the revision of those books.“Studying properly and doing the revision of some good books for hundred times is more important than following a hundred books with revision for one time.”Time managementMaintaining time properly is also very important. It’s not the right way that today I have studied for 6 hours and in the next day, i studied for 12 hours. If you have the capacity to study for 8 hours, you should maintain that amount of time properly but to me a dedicated study for at least 6–8 hours is very important otherwise it’s not possible to crack and I think for every subject we should pay an equal importance and an equal time as well and for that we should make a proper timetable for every subject including with doing practice answer writing and here one point to be noted and that is here maximum numbers are under coaching institutions and for those I want to say that you should pay a big amount of time for your self-study otherwise it will be very difficult to clear Upsc.lack of consistencyIt’s very dangerous and we often do this and mainly our consistency breaks down when we face repeated failure to progress. But if you seriously want to be a civil servant in future, you should work hard to get good and then work harder to get better. Today’s problems don’t say that you can’t but focus on your problems, find the proper reason for your problems then give full dedication to solve that problem. We should take out the best from us to beat our problems if we have a keen desire to make our dreams come true. If you have a proper reason for your dream, that fire will never let you back down but it will make you work ruthlessly for making your dream come true.Not giving mock tests or not practicing answer writingIf you don’t give mock tests or if you don’t do practice answer writing, you will never know the current scenario of your preparation. One word, we all know, is - practice makes a man perfect. so you should give mock tests and do practice answer writing daily to overcome your faults and according to that modify yourself in a better way. It’s very important for any exam mainly where you are a UPSC aspirant.Not paying focus on the basic matterAnother big problem. During my preparation for UPSC I have faced many numbers of aspirants taking up books in advance level at first but after some days they lost their energy to reading those books. So, I want to say that at first, you should pay more focus on basic matters and then go to advance level but never try to skip the basic and for the basic knowledge NCERT books from class V to XII are very good books indeed. Here one thing we, all should remember that the advance part is actually standing in the basic scenario. So we should give the basic parts as the first priority and we should have a proper conception of the basic in details then it will be easy to handle the advanced books.Thinking of future during preparationReally a serious problem and maximum of us live in duality and they think that whether they should continue their preparation or not and for this problem here is a very basic and simple logic and that is we, all know that the syllabus of UPSC is like an ocean and here we have to know everything. So, during continuing our preparation for UPSC, we are getting modified in all the subjects. So, if any of us can’t clear UPSC, for that one to clear other govt. exams will not be a big deal. And the next point is that the thoughts for future never makes a better future but a dedicated labor in our present can make a better future. So, when I have decided to take up UPSC preparation and when I am continuing my preparation, I should focus on my present but not on the future result.Not updating with UPSC question pattern and focus areasIt is also very important but maximum of us don’t do this. Maximum of us prepare ourselves blindly but honestly speaking, it’s not the right way. Suppose you are going to appear for UPSC in 2018. So, you should run your eyes over that five years’ question patterns and you should try to find out which parts UPSC has been paying more focus on to the maximum and according to that, you should pay more focus on those areas during your preparation.In short, to say, try to find out the main focus areas UPSC has been asking questions to the maximum for the last 5/6 years.Not focusing on handwritingIt’s very very important. if your handwriting is not worthy to read, you should improve it by doing your practice answer writing regularly. Otherwise, no better result you will have.Not much dependence on Current affairsAccording to the current scenario, questions in UPSC have been dynamic and here current affairs play a big role indeed and when we will go to mains, we will find that 99%questions are related to current topics. So, we should pay a keen focus on current focus which maximum of us don’t find proper interest in it. So, we should rely on daily newspapers or should take the help of internet to make ourselves update with what is happening around us and if we can’t, UPSC is not the cup of tea for us.Lacking analytical powerWhen you will try to gather knowledge on a specific portion, try to know everything in details as well as try to relate that portion to different ways. Suppose, you are reading a portion of history, it is not necessary to explain that part with historical concepts only rather than you can explain that with geographical perspective, sociological perspective, political perspective, if possible economical perspective as well as try to explain that part with any current affairs topic related to that part. In short to say, the more perspectives you will relate or think from, the more benefits you will gain here and today UPSC also wants this from us.Here I will like to suggest you focus on the basic concept and on current affairs properly and according to that try to relate to the current scenario of your surroundings or try to explain those in details with whatever you have gathered from your books or from current affairs. Increase the area of your thinking power.Confusion between hardworking and strategyHardworking has a great role in getting success in anything you want to do in your life but according to the current exam pattern of govt, jobs, here I'm not talking about UPSC only rather than about any govt. job, a proper strategy has taken a great role. So at first, you should know what to study, what not to study, which parts have big importance and which are not, what kind of questions have been getting asked for the last 5/6 years and much more and after knowing all of these you should work hard for your chosen goal. Because if you look into this deeply, you will find that your strategy is just like a road and your hardworking power is you who will go ahead on that road. So, if your strategy has not become perfect, you will never be able to run smoothly for your destination. So, at first focus on your strategy and then start working hard to give yourself a perfect figure to fight for your dream.Inclination for note makingA large number of candidates try to make notes but honestly speaking it is not so much important and in fact, it will waste your time as well. Even Upsc is not an exam like your school or college based exam where you expect to pass by a few notes but here the scenario is completely different. The syllabus of UPSC CSE is just like an ocean and according to the current scenario of UPSC, where questions may come from is quite unpredictable. So, here note making is not so much important because on the basis of your notes you can never predict what questions will come only from your selected notes made by you. Here paying focus on the basic concepts and on current affairs and according to that doing practice answer writing randomly is very important which maximum of us, I think, don’t do.Here are some more websites which you should follow for UPSC CSE preparation and those are ……….GS paper 1 - For ART and CULTURE - Centre for Cultural Resources and Training (CCRT)GS Paper ii - For the constitution of India - About India Code Updated Acts , ( Parliament structure,function,conduct of business, powers, privileges - Parliament of India , govt. policies/welfare schemes/vulnerable sections/social sector services relating to health/education/ human resources - Ministry of Women & Child Development | GoI, Government of India, Ministry of Human Resource Development , https://mohfw.nic.in/ , Home | Ministry of Rural Development | GoI , govt. transparency and accountability/ e govt/citizen charters - Home | Department of Administrative Reforms & Public Grievances | MoPP&P | India , Indian’s foreign policy - http://www.mea.gov.in/ , https://idsa.in/GS Paper III - govt budget/economic survey - UNION BUDGET , India economy/planning/mobilization of resources - (National Institution for Transforming India), Government of India , marketing of agricultural produce/e technology in the aid of farmers - Home | Department of Agriculture Cooperation & Farmers Welfare | Mo A&FW | GoI , farm subsides and minimum support prices/public distribution/buffer stock and food security/economics of animal-rearing -http://dfpd.nic.in/Department of Animal Husbandry, Dairying & Fisheries , food processing and related industries - Home | Ministry of Food Processing Industries | Government of India , land reforms in India - Welcome to Department of Land Resources , Space related issues - ISRO - Government of India , Department of Industrial Policy & Promotion , Environment related issues - http://envfor.nic.in/,Central Pollution Control Board :::. Disaster management - National Disaster Management Authority , Internal security agnecies - MHA | Government of India, | Institute for Defence Studies and AnalysesGs Paper IV - Ethics in Public administration - 2nd Administrative Reform Commission, Probity in govt/information sharing and transparency in govt, right to information/ codes of ethics/codes of conduct/citizens’ charters - Home | Department of Administrative Reforms & Public Grievances | MoPP&P | India, Right to InformationSome other official sources - PRS | Home / Press Information Bureau/ eGyanKosh: Home(for IGNOU books )/ http://www.nios.ac.in/ and for rajya sabha tv- follow you tube channel.That’s all, i can say.Thank you.

Here is the widely circulated Post/Strategy by Shubham Shukla in Various RBI GRADE B Telegram Groups about his Strategy to Crack RBI GRADE B 2019 Phase 2. He has been selected for interview this time. As you guys have read lots of answers about RBI GRADE B strategy by me, let's read this to understand how he cleared RBI GRADE B Phase 2 Exam in less than 4-5 Months.Shubham Shukla :-Hello everyone!!A lot of you have been texting me on what has been my strategy for clearing phase 2. I thus present my 2 cents on what I did and what i didn't.phase 1:125/200, UR-narrowly cleared reasoning by 0.75 marks.-Didn't practice quant English and LR. this doesn't mean you shouldn't as well. Practice is the key, I was lucky enough to get to phase 2. Many brilliant friends of mine weren't that lucky.-for GA, I spent most of the time before exam, almost a fortnight before prelims participating in quizzes in different telegram groups. Due to some commitments, I didn't touch AC/GKT/BA. I attended Brajesh Mohan Sirs free class on monthly Current affairs on unacademy. Both of these helped like anything. But you guys should follow at least 2 of the above mentioned 3 sources along with Brajesh Sirs class. Practice as many McQ as possible.Phase 2:- started phase 2 prep from Nov 10,. Didn't have the luxury of reading basic books. Only followed edutap notes. Also took a one month subscription to unacademy plus , around 1k only, for an MCQ phase 2 course by Brajesh Mohan sir and Ruhi ma'am. Pretty helpful, revised my basics plus got a ouple of common/related question as well.-also attempted mocks - OB/PM/IXAMBEE, though not under a controlled environment. Mentally prepared me for the exam, do not recollect how.many question were common. But MOCKS ARE A MUST.***Miscellaneous points1. What I did was a firefighting technique to clear phase 2. I'm not sure if it'll work for you, not sure if it'll work next time for me as well2. Edutap sheets are okay, but PLEASE PLEASE be through with basics, concepts banao. Books are the primary source, stick with them before you move to sheets. I'll attach a list that I recommend to fellow aspirants.3. Anyday a toppers strategy is better than mine. I'm not sure if I'll be making it to final list, probably no one is. But the seniors who have cleared it are the ones who have finished the process successfully, and thus are better than a guy who cleared 1 mains writing a long post.4. Use internet extensively, do meaningful group discussion. Kaafi help hoga.I have tried to answer as many queries as possible. There is no one strategy, everyone is unique and has different way of going about things. Make sure what you follow is what makes you comfortable.To all of you who have cleared, congratulations. You are this close to making history, just go for it. And to those of you have been unsuccessful this time around, don't lose heart. It wasn't your first exam, won't be your last. As a wise man once said, "you either win or you learn". Pick yourself up and get back stronger.Wish you all the best. May the force be with you!!Sir I'm following this list is it testedBrajesh Mohan:Economics - Ramesh Singh, Sanjiv Verma, Disha Economics Compendium(MCQ)Finance - Bharti Pathak and Prasanna ChandraManagement - LM Prasad or SP Robin'sSocial Issue - Summary Sheet, Census, Socio Economic Census etc.Important Chapters of of the following books for RBI Grade B Phase II examFinancial Management (Prasanna Chandra)3. Financial Statements4. Analysis of Financial Statement6. Time Value of Money7. Valuations of Bonds and Stocks8. Risk and Return (do not study in detail) - study about Beta11. Techniques of Capital Budgeting40. Corporate Risk managementPrinciples and Practices of Management (L N Prasad)1. Introduction to management4. Social Responsibility and Ethics5. Fundamentals of Planning (not in all details)6. Organisational Plans (not in all details)8. Fundamentals of Organizing (not in all details)9. Power and Authority10. Conflict and Coordination (not in all details)11. Organisational Change12 Fundamental of staffing13. Employee Development and Performance Appraisal14 Fundamentals of Directing (in complete details)15. Motivation (in complete details)16. Leadership17. CommunicationIndian Economy – Ramesh Singh (9th Edition)1. Introduction2. Growth Development and happiness6. Economic Reforms7. Inflation and business cycle11. Indian Financial Market12. Banking in India (very important)14. Securities market in India15. External Sector in India16. International Economic Organisations (only general understanding)17. Tax Structure (only direct tax and indirect tax)18. Public Finance in India19. Sustainability and climate change20 Human Development in India21. Burning Socio Economic issues25. Economic Survey (study the concepts, data of the latest report is useful)26. Union Budget (study the concepts, data of the latest report is useful)The India Financial System – Bharati V Pathak1. The Financial System: An Introduction3. Reforms in Financial System4. The Money Market5. The Capital Market6. The Primary Market (Do not go to the every details and procedures, understand terms andconcepts)8. The Secondary Market (Do not go to the every details and procedures, understand termsand concepts)9. The Derivative Market (Understand 4 types of derivatives, do not go into details)13. Banking and Non-Banking Institutions14. Management of NPAs by banks15. Mutual Funds (page 537-540)19. Credit Rating (Introduction only)24. Financial RegulationIndian Economy - Mishra and Puri1. Economic Growth, Development and Underdevelopment2. Economic and Human Development (very important)3. The Environment and Development10. Human resource development12. Employment and unemployment in India14. National Income15. Poverty in India16. Income distribution in India26. Industrial Development during the Planning Period29 Industrial Policy34. Labour Relations and social security36. Indian Foreign Trade37. India's Balance of Payments40. India's exchange rate policy41. FERA & FEMA (only introduction)42. Globalisation and its impact on Indian Economy43. WTO and IndiaPart VI _ Money and Banking – study this complete53. India's Fiscal Policy62. Economic Reforms and LiberalisationApart from this You can Follow some Online WebsiteGK Today's General Awareness section Articles and MCQsAffairs CloudPIB WebsiteVision IAS Monthly Insights and Gist for Budget and Economic SurveyInvestopedia.Thanks, Brajesh Mohan (Educator, Unacademy Plus, ESI & GA, RBI GRADE B)