"Hard work never goes unnoticed – Success comes to those who refuse to quit!" 🌟
Today, my heart is filled with immense pride as a teacher to share the incredible success story of my student, Sourav Gupta. Sourav has achieved a phenomenal hat-trick by cracking three major banking exams all at once!
🎉 RRB Office Assistant
🎉 IBPS Clerk (CSA)
🎉 SBI Junior Associate (JA)
But behind these three massive achievements lies a long, grueling journey of almost 5 years. I have closely witnessed the sheer dedication, hardships, and sacrifices he had to make to see this day.
Managing his studies was never easy. Alongside his rigorous preparation, Sourav regularly had to look after and manage their family grocery shop. Balancing the pressure of competitive exams with daily responsibilities at the shop was an uphill task. To make things harder, severe health issues hit him unexpectedly, completely halting his preparation midway.
Anyone else might have given up right there, but Sourav is a true fighter. Once he recovered, he restarted from scratch and stepped back into the battle with a renewed spirit. And when he made that comeback, there was no looking back—he started cracking one exam after another! He has proven that with rock-solid determination and honesty, you can conquer any obstacle life throws at you.
Sourav's journey is a massive inspiration for every aspirant out there. Sourav, I am incredibly proud of you, my boy. Wishing you all the very best for this wonderful new chapter of your life. May you keep scaling greater heights! 🎯💼✨
Call 8017068605 for Admission.
CongratulationsSourav NeverGiveUp Resilience FromGroceryToBanker SBIExtraordinaire IBPSClerk RRBOfficeAssistant GovernmentJob DreamBig Dedication OvercomingObstacles ProudMoment StudentSuccess TeacherPride MotivationOfTheDay BankingAspirants
Excellence
Share
We provide comprehensive guidance for all Competitive, Entrance exams across India. We at bankers forum strive to sharpen your skills and boost your competency.
We at Excellence specifically provide classes for
- IBPS PO/Clerk
- SBI PO/Clerk
- RBI
- RRB PO/Clerk
- Insurance Exams
- WB Police SI/Constable
- SSC
- PSC
- CAT
- MAT
- Aptitude We also provide the facility of online exam to make you at par with the new mode of examination
We are available at Baguiati, Howrah, Behala, Teghoria ,Barrackpore and Online Mode like Zoom and Google Meet.
"Success isn't always about greatness. It's about consistency. Consistent hard work leads to success. Greatness will come." 🎯✨
We are absolutely thrilled and immensely proud to announce that our dedicated student, Sudeshna Dutta, has successfully cleared her exams and been selected by Punjab National Bank! 🏦🎉
Sudeshna’s journey is a true testament to what sheer dedication and resilience can achieve. Navigating the highly competitive landscape of banking exams requires immense grit. Through countless hours of intense preparation, overcoming setbacks, and maintaining unwavering focus, she has turned her dream into reality. Her struggle, work ethic, and ultimate triumph serve as a powerful inspiration to every aspirant at our institute. 📈💪
We extend our heartiest congratulations to Sudeshna on this milestone achievement and wish her a phenomenal career ahead with PNB! 💐👏
Are you ready to script your own success story in the banking and government sector? Join us and take the first step toward your dream career. 💼🌟
📞 For Admission, Contact Us: 8017068605
IBPS Congratulations Inspiration Dedication HardWorkPaysOff GovernmentJob BankingAspirants Achiever StudentSuccess DreamBig SuccessMindset ExcellenceInstitute AdmissionOpen
*BIGGEST BREAKING NEWS*💚💚💚
*RBI scrapped IFR for commercial banks effective May 18, 2026*✅and *it’s a direct boost to bank capital*
What was IFR and why RBI removed it
IFR = Investment Fluctuation Reserve. Banks had to set aside profits to build this buffer to absorb mark-to-market losses on their bond/g-sec investments when yields rose.
*RBI MOST POSITIVE MOVE FOR BANKS* because banks now already have:
Capital charge for market risk under Basel rules
Revised investment portfolio norms from 2024 that already handle MTM risk better
*So IFR became a redundant double-buffer*
*How this benefits Indian banks - 4 main ways*
*Immediate capital boost: ₹40,000 to ₹60,000 crore unlocked*✅
The balance in IFR as of May 17, 2026 gets transferred “below the line” to Statutory Reserve, General Reserve, or P&L.
*CareEdge estimates: ₹40,000-60,000 crore freed up*
*Analyst V Srinivasan: Gains to Tier-1 capital could be ₹40,000 crore++*
*That’s pure Tier-1 capital banks can now count toward CRAR*
*Higher lending capacity* without raising fresh capital
More Tier-1 capital = higher CRAR = more room to lend under RBI’s 9% min CRAR + 2.5% capital conservation buffer.*
*CareEdge: Expect 20 bps improvement in banks* *capital positions*
“*Increase in capital can potentially lead to higher lending opportunities”*
*Banks don’t need to hit markets for QIPs/rights issues as urgently.*
*Profitability improves*- no more forced transfers
Earlier, banks had to divert net profit after mandatory appropriations to build IFR. That cut distributable profits*
Now:
*Higher reported profits, better RoE*
*More headroom for dividends*
*SBI Chairman CS Setty said it will "help strengthen banks' capital positions and help support credit growth"*
Regulatory simplification + level playing field with NBFCs
*RBI Governor Sanjay Malhotra said banks were requesting this since NBFCs have similar provisions.*
It also removes operational challenges for SFBs/PBs.
The trade-off banks now face
RBI itself flagged it:
IFR was a shock absorber for yield spikes. With 10-yr g-sec yields up 45 bps Jan-Mar 2026, banks will show MTM losses directly in P&L now.
CareEdge: Could create "volatilities in bank balance sheets"
Banks must "re-calibrate risk assessment"
Bigger picture: RBI’s capital easing combo
This came with another move:
*RBI also removed the 25% NPA provisioning rule for including quarterly profits in CRAR*
Together, both steps free up capital when system CRAR is already strong at 16.91% and gross NPAs are just 1.89%
*Bottom line: Banks get ₹40-60k cr of capital unlocked overnight, higher lending headroom, and cleaner profits. But they lose a dedicated buffer against bond losses — so treasury management just got more important. For well-run banks with good risk management, *this is a clear net positive* FOR BANKS*
19/04/2026
Upcoming Class Schedule
15/04/2026
Wishing you all a happy Bengali New Year.
PM Modi & Rahul Gandhi engage in candid conversation during the Jyotiba Phule tribute ceremony.
Can you guess what they’re talking about?
03/04/2026
🚀 🇺🇸 A view of Earth from the Orion spacecraft at a distance of nearly 70,000 km — humans haven’t traveled this far since 1972.
Picture Courtesy Nasa
On 3 April 1984, Wing Commander Rakesh Sharma became the first Indian in space, marking a historic moment for the nation. As we celebrate 42 years of that iconic “Sare Jahan Se Achha Hindustan Hamara” moment, we remember a legacy that continues to inspire generations.
Jai hind Jai Bharat 🇮🇳
Click here to claim your Sponsored Listing.
Location
Contact the school
Telephone
Address
BISWANATH ABASHAN
Kolkata
700157
Opening Hours
| Monday | 7am - 9pm |
| Tuesday | 7am - 9pm |
| Wednesday | 7am - 9pm |
| Thursday | 7am - 9pm |
| Friday | 7am - 9pm |
| Saturday | 7am - 9pm |
| Sunday | 7am - 9pm |