The CAIIB BRBL (Banking Regulation and Business Laws) exam for the May–June 2026 cycle is conducted 14th June 2026 (All Shifts) in online mode. This blog is prepared in advance to help candidates understand the expected exam pattern, important topics, and previous year trend.
Once the exam is conducted, the detailed shift-wise analysis, difficulty level, and memory-based topics from which questions were asked will be updated here.
CAIIB BRBL Exam Analysis 14th June 2026 (All Shifts)
Based on the CAIIB May-June 2026 cycle schedule, the CAIIB BRBL (Banking Regulation and Business Laws) paper is scheduled to be held on 14th June 2026 in online mode across all shifts. The detailed shift-wise analysis, memory-based questions, and feedback-based review from bankers is updated below for all the shifts.
Download CAIIB Previous Year Papers PDF
What was the level of the CAIIB BRBL 2026 paper?
The CAIIB BRBL exam is designed to test a candidate’s understanding of banking laws, regulatory frameworks, legal provisions, and their practical application in real banking situations. The difficulty level for 2026 is updated below based on candidates’ feedback and memory-based discussion.
| Shift | Difficulty Level |
| Shift 1 | Moderate to Difficult |
| Shift 2 | Moderate to Difficult |
| Shift 3 | Moderate to Difficult |
What are the topics from which questions were asked?
The topic-wise question distribution for CAIIB BRBL 2026 for all the shifts is updated below.
| Shift | Topics |
| Shift 1 | Mortgage, Paid Up Share Capital, NBFC: Upper Layer, DRT (Debt Recovery Tribunal), Income Tax (Case Study- Pensioner Age: 63 years; Annual Income: 12 lakhs; Tax?), Lok Adalat (Award based Case Study), Small Company Definition, Time Barred Debt, Bankers’ Book Evidence Act (BBE Act), Period of Limitation (Limitation Act), SARFAESI Act (ARC Case Study), Condition + Warranty (Sales of Goods Act), Contract of Guarantee. Contract of Bailment, Usufructuary Mortgage, Ombudsman Award, Prevention of Corruption Act. |
| Shift 2 | Types of Mortgage, Doctrine of Sufficient Cause (Limitation Act), SARFAESI Act (Applicability), Central Registrar, Consumer Protection Act (Case Study), Information Technology Act (Private and Public key), Right to Information Act, 2005 (Case Study), Payment of Cheque (Case Study), Payment & Settlement System Act, 2007 (Case Study), DRT (Debt Recovery Tribunal), Banking Regulations Act, 1949, Unpaid Seller (Sales of Goods Act, 1930), NBFC Capital, Assignment, Universal Bank License, Complaint in Consumer Court, Transfer of Property Act, 1882, Transfer of Case from one Public Authority to other, Cheque and Clearing Cheque, Relationship between Insurance Company and Insurer (Contract of Indemnity), Collecting Banker, Holder for Value. |
| Shift 3 | Small Finance Bank, SARFAESI Act, English Mortgage, CERSAI, FEMA, IOS, DRT, Ombudsman, Woman Director, Maximum Directors in Public Company, Maximum Directors in Private Company, Indian Contract Act, Mortgage, IBC Case Study, Security Receipts (SR), SAR (Security Asset Reconstruction), FEMA Provisions, Debt Recovery Tribunal (DRT), Banking Ombudsman, CERSAI Registration, Types of Mortgage, Insolvency and Bankruptcy Code (IBC), Women Director Requirements, Small Finance Bank Guidelines, SARFAESI Enforcement, Contract Act Essentials, IOS Regulations, Public & Private Company Directors Limit. |
What was the difficulty trend in CAIIB BRBL 2025 exam?
The previous CAIIB BRBL cycle showed that the paper was of moderate difficulty and mostly application-based. Instead of direct theory questions, candidates were given case-based questions based on real banking situations. The focus was on testing how well aspirants could apply banking laws and rules in practical scenarios, rather than just memorising concepts. Overall, the exam mainly assessed practical knowledge of banking operations and legal provisions in a real-world context.
| Parameter | Details |
| Overall level | Moderate |
| Question pattern | Mostly case-based and conceptual questions |
| Nature of questions | Application of banking laws in real situations |
| Focus area | Practical understanding instead of rote learning |
| Legal coverage | SARFAESI Act, FEMA, PMLA, RBI Act, Indian Contract Act |
| Exam style | Scenario-driven banking and compliance-based questions |
Also Attempt
| Topic | Link |
| CAIIB ABM Important MCQs | Attempt Now |
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| CAIIB BFM Important MCQs | Attempt Now |
CAIIB BRBL Exam Analysis 2025, 14 December Shift 1
The Shift 1 paper was of moderate difficulty level and mainly included case-study based questions. Most questions checked the practical understanding of banking laws, loan recovery processes, contracts, and regulatory rules. Instead of direct theory, candidates were tested on how these concepts are applied in real banking situations. The key topics covered in Shift 1 are given below.
- Case Study on SARFAESI
- FEMA Case Study
- Presiding Officer – Age and Tenure
- Payment and Settlement Systems
- SARFAESI Act
- Punishment under FEMA Act
- Case Study on Partnership and LLP
- Commercial Paper
- Director in LLP with NRI Status
- Winding Up of Bank
- Certified Copy under Bankers’ Books Evidence Act
- DRT Presiding Officer Tenure
- Ombudsman Scheme and DRT
- Contract Act
- MSME Limits
- Bailment
- Banking Regulation Act
- Waterfall Mechanism
- Asset Reconstruction Company (ARC)
- Recovery Officer
- Mortgage
- Prevention of Money Laundering Act (PMLA)
- Guarantee – Relevant Sections
- Partnership Act
- Indemnity
- ARC Net Owned Fund
- Acts Done in Good Faith – Partnership Act
- Cheque and Parties Involved
- Settlement of Dispute between Bank and ARC
- Case Study on COPA Act, 2019
- Balance Sheet Profit and Loss
- Case Study on Guarantee
- Third Schedule of Banking Regulation Act
CAIIB BRBL Exam Analysis 2025, 14 December Shift 2
According to candidates, Shift 2 was also of moderate difficulty, with a greater focus on direct statutory provisions, timelines, limits, and definitions. This shift tested candidates’ clarity on banking laws, company law, MSME provisions, and regulatory compliance.
- Maximum Age to Continue as MD and CEO
- Minimum Transfer to Reserve Fund from Net Profit
- Preservation Period of Records under PMLA
- Tenure of Chairman and Managing Director
- Minimum and Maximum Punishment under PMLA Section 4
- Time Limit for Registration of Charge by Company
- Lok Adalat
- COC Majority for Extension of CIRP Period
- MSME Investment and Turnover Criteria
- Chapters under MSME Act
- RTI Act – Time Limit for Appeal
- Attempt under Prevention of Corruption Act
- Appellate Authority under IT Act
- Conversion of One Person Company into Private/Public Company
- Appeal against Lok Adalat Award
- Number of Directors in a Public Company
- Definition of Data
- Waterfall Mechanism
- Priority in Equitable and Registered Mortgage
- Interim Compensation
- Cheque Bounce – Case Study
- MSME Act – Case Study
- DRT to DRAT
- Definition of Banking
- Judge under Bankers’ Books Evidence Act
- Transfer of Actionable Claim
- Definition of Borrower
- CERSAI – Governing Act
- Unclaimed Deposit – Case Study
- PMLA – Case Study
- Minimum Number of Directors in a Private Company
CAIIB BRBL Exam 2025 Memory-Based Paper, June Cycle, Shift 1
The CAIIB BRBL Exam 2025 Shift 1 has been successfully conducted. As per candidate feedback, the overall difficulty level of the exam was moderate. To help aspirants understand the exam pattern and prepare better for upcoming shifts, we’ve compiled a list of important topics that were asked in Shift 1.
| S.No. | Topic / Question |
| 1 | Case Study on Mortgage |
| 2 | Moharbibi Case |
| 3 | Minor Act |
| 4 | Committee of Creditors |
| 5 | IT Act (Information Technology Act) |
| 6 | Banking Director Tenure |
| 7 | Minimum Number of Members in a Public Company |
| 8 | Capital Requirement for ARC (Asset Reconstruction Company) |
| 9 | Moharbibi vs Dharmodas Case |
| 10 | Bailment |
| 11 | Indemnity Contract |
| 12 | Equitable Mortgage |
| 13 | RTI Appellant Theory |
| 14 | RTI Case Study |
| 15 | SARFAESI Act – Case Study |
| 16 | Power to Remove Auditor – For How Many Years? |
| 17 | FEMA Act & PCA – Minimum and Maximum Penalty and Imprisonment |
| 18 | Local Area Banks |
| 19 | DRT – DRAT (Debt Recovery Tribunal / Appellate Tribunal) |
| 20 | Word for a Bank Accepting Deposits and Lending |
| 21 | Sponsor Bank |
| 22 | Conversion Meaning under Negotiable Instruments Act |
| 23 | Negotiable Instruments Act – Overview |
| 24 | Section 17(2) – NI Act |
| 25 | Minimum Number of Directors in a Public Company |
| 26 | Paid-Up Capital Requirement for Small Finance Bank |
| 27 | FEMA Act – Fine Details |
| 28 | Pledge |
| 29 | Mixing of Goods by Bailee |
| 30 | Percentage of Stakeholders in Regional Rural Banks (RRBs) |
Also Check:
| Study Plan | Paper Focus |
| CAIIB ABM Study Plan | CAIIB BFM Study Plan |
| CAIIB ABFM Study Plan | CAIIB BRBL Study Plan |
CAIIB BRBL Exam 2025 Memory-Based Paper, June Cycle, Shift 2
The questions asked in the CAIIB BRBL 2025 Shift 2 were moderate to tough. Given below are the important topics for the CAIIB BRBL Exam 2025 Analysis Shift 2:
| Topic Category | Topic/Concept |
| Banking & Regulatory Acts | Insolvency & Bankruptcy Code (IBC), 2016, FEMASARFAESI Act, Section 35 of Banking Regulation Act, RBI Establishment Provision |
| Company Law | Minimum & Maximum Number of Members in Private & Public Companies Government Company – Definition |
| Banking Structure | Local Area Bank, Small Finance Bank, Banking Business Security Receipt |
| Insolvency Framework | NCLT (National Company Law Tribunal) CIRP (Corporate Insolvency Resolution Process) |
| Judicial & Redressal Bodies | DRT/DRAT (Debt Recovery Tribunal / Appellate Tribunal) |
| RTI Act | RTI (General Provision and Case Study-Based Question) |
| Limitation Act | Limitation in context of legal claims Limitation of Mortgage |
CAIIB BRBL Exam 2025 Memory-Based Paper, June Cycle, Shift 3
The questions asked in the CAIIB BRBL 2025 Shift 3 were moderate to tough. Given below are the important topics for the CAIIB BRBL Exam 2025 Analysis Shift 3:
| S. No. | Topic / Question |
| 1 | IBC (Insolvency and Bankruptcy Code) |
| 2 | RTI (Right to Information Act) |
| 3 | Limitation Act |
| 4 | Board of Directors – Provisions and Structure |
| 5 | Saloman v. Saloman & Co.—Landmark Company Law Case |
| 6 | If a case is filed in more than one DRT—jurisdiction handling |
| 7 | Adjournment—Role of Presiding Officer in DRT |
| 8 | Equitable Mortgage – Benefits |
| 9 | Case Study on Negotiable Instruments Act (NI Act) |
| 10 | Case Study on Mortgage |
| 11 | RBI Act – Key Provisions |
| 12 | Cheque – Legal Definition and Provisions |
| 13 | LLP (Limited Liability Partnership) |
| 14 | Section 143(A) – NI Act – Interim Compensation on Cheque Bounce |
| 15 | Banking Regulation Act |
| 16 | Payment and Settlement Systems Act – Year of Enactment |
| 17 | Small Company – Definition and Criteria |
| 18 | Minimum Amount to Initiate IBC Proceedings |
| 19 | Requirement of Woman Director – Company Law |
| 20 | Maximum Paid-Up Share Capital for Classification (Small Company) |
Attempt CAIIB important MCQs for quick revision
When time is limited, important MCQs act as a quick revision tool. These questions are carefully selected to cover key concepts and exam-relevant topics, helping you revise more in less time.
| Topic | Link |
| CAIIB ABM Important MCQs | Attempt Now |
| CAIIB BRBL Important MCQs | Attempt Now |
| CAIIB ABFM Important MCQs | Attempt Now |
| CAIIB BFM Important MCQs | Attempt Now |
FAQs
Ans. The exam will be conducted on 14th June 2026 in all shifts.
Ans. The difficulty level will be updated after the exam, but it is expected to be moderate.
Ans. The exam is mainly application-based with case studies and scenario questions.
Ans. Case studies, statement-based questions, and practical banking situations.
Ans. SARFAESI, FEMA penalties, PMLA reporting, and Contract Act topics are commonly repeated.
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