Lastly is am i late as per my situation ? at age 20 and 3 months to start totally scratch preparation as i tried last year same time but felt low and came back need to start again i need to crack it at any cost i have to please just as per my situation is am i late and i need to boast my confidence

Our doubts are our traitors, making us lose all our good that we might win by fearing to attempt. And giving up not before attempting is troublesome sign. 20 years and 3 months IS NOT TOO LATE TO START PREPARING FOR ANYTHING. When your inner doubts crop up, be quick to stop them. Talk to yourself and assure yourself that you can do it. Self doubts are sometimes just monsters that eat up your confidence and llnit let you excel in life. Do not compare yourself with others because life is more than a selfie on social media. If you really want to clear the Bank exams start preparing. Worrying cannot help you in your preparation. Getting started with preparation is the only way you can know whether you can do it or not. There are people elder than you who still are preparing for the bank exams. They do not consider themselves old or weak. They are trying to succeed. So if you genuinely want to succeed, casting your doubts and fears away is necessary. More importantly, if you do not start preparing, you do not know whether you have it in you to crack the exam or not. If you do not start preparing now, by the time you really put your self doubts aside and start preparing, you might be really late and then nothing can be done about that.