Back to the site

Bankers Pioneer Academy · From the book AI for Bankers

AI prompt library for bankers

Ten ready prompts for everyday branch work, from AI for Bankers by G S Khurana. Every prompt uses dummy or public information only: words in square brackets are placeholders, and real details go in later, inside your bank’s own systems.

First edition, November 2026 · updated every quarter

Four rules before you use any prompt. 1. Use only the AI tool your bank has approved. 2. Never put in customer identity or financials, passwords or OTPs, internal documents, colleagues’ details, anything about suspicious transactions, or screenshots of bank systems. 3. Check every fact, figure and rule before anything leaves your desk. 4. On any urgent call or video asking for money or an exception, pause and call back on a number you already have.

Ten jobs AI can do for you tomorrow

1. Summarise a public circular for your staff meeting

You are a training officer in an Indian bank. Summarise the RBI text I paste below into 10 points a branch clerk can understand. Then list 5 actions the branch must take. Mark any point you are unsure of. [paste the public RBI text]

Check: compare each point with the original before you circulate it, and attach the link to the original.

2. Write a customer letter in two languages

Draft a polite letter, under 120 words, asking a savings account holder to update KYC within 30 days. Give it in simple English and simple Hindi. Use [Customer Name] and [Branch] as placeholders.

Check: the deadline and the wording follow your bank’s approved KYC template.

3. Reply to a complaint

A pensioner (Customer A) complains that the pension credit was 5 days late. Draft a reply under 150 words: apologise for the trouble, explain that the cause is being checked, promise an update within 7 days, and give the bank’s escalation route. No legal admissions.

Check: the escalation route and the timelines match your bank’s grievance policy.

4. Build the skeleton of a renewal note

You are a credit officer in an Indian public sector bank. Give me the headings for a cash credit renewal note for Borrower A, a trader with turnover of about ₹1.2 crore and falling margins. Add a blank table of ratios for me to fill in, and 5 questions I must answer before recommending renewal.

Check: the headings match your bank’s prescribed format.

5. Check ratios on dummy figures

Current assets 60, current liabilities 45, net profit 8, depreciation 2, interest 3, instalments due 4 (all ₹ lakh). Work out the current ratio and the DSCR, show your working, and say in two lines what each tells a lender.

Check: recalculate it yourself. You should get a current ratio of 1.33 and a DSCR of 1.86.

6. Turn rough notes into minutes

Turn these rough notes into meeting minutes with three columns: point discussed, decision, and action by whom and by when. [paste notes with names replaced by roles]

Check: names and dates are added by you, inside the bank’s system.

7. Make a branch checklist from a public rule

From the public RBI directions on lending against gold that I paste below, make a one-page checklist for a branch officer sanctioning a gold loan: before, during and after sanction. [paste the public text]

Check: every item against the direction and your bank’s gold loan policy.

8. Explain a scheme in plain words

Explain Atal Pension Yojana to a 30-year-old shopkeeper in 6 short points, in simple Hindi. Add one line telling him where to confirm the latest figures.

Check: eligibility, amounts and age limits on the scheme’s official page.

9. Draft a firm, fair recovery reminder

Draft a reminder to Borrower B, whose loan is 45 days overdue. Firm but respectful, under 120 words, no threats, and it must offer a meeting to discuss repayment. Use placeholders for the amount and dates.

Check: the wording follows your bank’s fair practices code and recovery policy.

10. Make a quiz for yourself or your team

Make 10 multiple-choice questions, with answers and one-line explanations, on the public text below, for a banker preparing for the CAIIB exam. [paste public text]

Check: each answer against the source; AI sometimes marks the wrong option.

All 50 prompts in the book

The book gives 50 prompts in seven groups, each with the check that must follow it. Their titles:

Circulars and compliance

Customers

Credit

Branch operations

Fraud awareness

Learning and career

Checking AI’s work

Updates

First edition, November 2026: no updates yet. New and revised prompts are posted here every quarter, and rule changes on the errata page.

AI for Bankers: Use It Safely Today, Stay Ahead Tomorrow. 15 chapters on safe use, prompts, credit, compliance, customers, AI fraud and banking in 2030, with 80 questions explained. E-book ₹249; print ₹349 with the e-book free. Read the first 24 pages free.