Sir I started doing study but offcourse i am doing after years and also having fear in mind so I started by doing 1 hr study a day and will gradually increase it hope it is not late?

The fact that you've taken an inititave is worth applauding, just remove the fear, and enjoy the journey, if you enjoy prepraring for any exam, you'll put in efforts in great way and the results too will be wonderful, start with small steps yet in gradual manner, for banking exams speed, accuracy, and practice is the key, so first get the basic concepts clear, there're many sites that offers free sample papers for practice so you can use it to evaluate your level of preparation.