The worked question on this page is original educational practice. It is not represented as a question from an official previous-year examination paper.
01 / UNDERSTANDING
Review the question
Construct an original data-reading question where the tempting calculation combines a closing stock with an annual flow. Offer a closing stock plus a flow as an attractive but invalid sum. An original checkpoint is: Can annual new lending of 60 be added to the reported closing credit stock of 200 to obtain the same closing stock? Answer: No; that would mix a period flow with an already closing stock. Explain the decisive fact, then alter one condition and solve again. This exercise is original practice, not an official past-paper question.
02 / UNDERSTANDING
The concept in context
A revision is not automatically an error or manipulation; more complete information and methodological updates can change earlier estimates. A useful study check is to write units, coverage, period and stock-flow status, then reconcile changes and flag missing adjustment terms. Explain why the method fits the stated facts before applying it to a changed situation.
03 / UNDERSTANDING
A worked learning case
A fictional release reports outstanding credit of 200 at year-end and new lending of 60 during the year. These are not additive descriptions of the same quantity: the stock also reflects repayments and other adjustments. A later release revises outstanding credit to 204 after receiving fuller reports. Comparing releases requires recording their dates and definitions.
ORIGINAL EDUCATIONAL PRACTICE
Try it before you check.
Can annual new lending of 60 be added to the reported closing credit stock of 200 to obtain the same closing stock?
Show the answer and reasoning
No; that would mix a period flow with an already closing stock.
The closing stock is a dated position that already reflects transactions and adjustments during the period. A valid roll-forward starts from the opening stock and includes lending, repayments and other changes. Adding new lending again to the closing balance double counts its contribution, while revisions must be tracked using release metadata.
Two traps to watch for.
- Mixing a dated stock with a period flow in one total.
- Comparing revised and unrevised observations without recording their vintage.
YOUR TOPIC-SPECIFIC LEARNING MAP
Learn from the attempt
Write units, coverage, period and stock-flow status.
Check definitions and release vintage before calculation.
Reconcile changes and flag missing adjustment terms.
Explain the idea, apply it to a new situation, then check what changed in your reasoning.
BANKERS TUTORIAL · SOURCE NOTES
Keep the source alongside your notes.
Official links provide subject context and authoritative reference material. This guide’s explanation, scenario and question are original Bankers Tutorial learning content.
- www.rbi.org.in https://www.rbi.org.in/scripts/DataDefinition.aspx
- data.rbi.org.in https://data.rbi.org.in/
For RBI preparation, check the current official notice before relying on changing dates, rules or examination requirements.
