CAIIB Electives Exam Analysis 2025
On 29th June, 2025, the Indian Institute of Banking and Finance (IIBF) held the CAIIB Electives exams. Candidates could choose the subject of their liking as their final fifth paper. The CAIIB Elective Paper Exam Analysis 2025 offers a detailed summary of the exam conducted on 29th June 2025. Held across various centers, the exam assessed candidates on their selected elective subjects, including Rural Banking, Human Resource Management, Risk Management, Central Banking, and Information Technology & Digital Banking. According to early feedback from candidates, the overall difficulty level of the paper was moderate. This exam review highlights important insights into the exam pattern and types of questions asked, serving as a valuable guide for future aspirants.
CAIIB Elective Exam Analysis 2025 – Human Resource Managament (HRM) Shift 1
The CAIIB HRM Exam Analysis 2025 provides a comprehensive overview of the questions asked, along with key insights into the exam pattern. Based on candidate feedback, the overall difficulty level of the Human Resource Management (HRM) paper was reported to be moderate.
| S. No. | Topic / Concept |
| 1 | Corporate Governance – Case Study |
| 2 | Ethics |
| 3 | Generation Y (Workforce Behaviour) |
| 4 | Staff Accountability |
| 5 | Data Mining |
| 6 | SHRM (Strategic Human Resource Management) |
| 7 | Six Elements of HRM |
| 8 | Triple 3Ps (People, Planet, Profit) |
| 9 | 360-Degree Performance Appraisal |
| 10 | Green HRM |
| 11 | Social Pillar (Sustainability) |
| 12 | Pygmalion Effect (Leadership & Expectations) |
| 13 | One-Way Communication |
| 14 | Military Communication Style |
| 15 | Employer Not Providing Experience Letter – Applicable Act |
| 16 | HRM Metrics and Analysis |
| 17 | Standing Order – Industrial Employment Act |
| 18 | Explicit vs Tacit Knowledge |
| 19 | CEO Role in Organizational Behaviour |
CAIIB Elective Exam Analysis 2025 – Human Resource Managament (HRM) Shift 2
The Shift 2 of the CAIIB HRM Elective Paper Exam 2025 has been successfully conducted. The exam included around 6 to 7 case study-based questions, and the topics from which these questions were framed are listed below.
| S. No. | Topic / Concept |
| 1 | Leadership |
| 2 | Motivation |
| 3 | Quid Pro Quo Harassment |
| 4 | DMAICT (Define, Measure, Analyze, Improve, Control, Transfer) |
| 5 | Self-Determination Theory |
| 6 | Native Inherited Traits |
| 7 | Enculturation |
| 8 | Body Language – Communication Percentage |
| 9 | Triple Bottom Line (People, Planet, Profit) |
| 10 | SHRM (Strategic Human Resource Management) |
| 11 | Corporate Governance – Case Study |
CAIIB Elective Exam Analysis 2025 – Rural Banking- Shift 1
According to feedback from professionals in the banking and financial sector who selected Rural Banking as their elective, the CAIIB Rural Banking Exam 2025 featured questions of moderate to high difficulty. The following section outlines the key questions and topics that were asked in the exam.
| Topic | Sub-Topic / Question |
| Agricultural & Rural Development | Contour Bunding, Mushroom Cultivation, Agri Census 2011 |
| Committees | NM Committee, Payment Settlement Committee |
| Institutions & Schemes | RRBs, KSY, UJJ, PoDF (NABARD), CGTMSE, DRI Scheme, T-5 |
| Financial Concepts | DSCR, IRR, BCR, CRF (Numerical), Maximum Permissible Limit |
| Case Studies | PLP, Microfinance Institutions, Business Correspondent |
| Technology in Rural Banking | IoT, RFID, Digitization of Land Records, e-NAM |
| Priority Sector Lending | PSL, MSME Classification, Education Loan, Scheme for MSME |
| Rural Infrastructure & Development | Godowns, Panchayati Raj, Annual Credit Plan |
| Others | Population Pyramid, Credit Risk Fund, Base Branch |
CAIIB Elective Exam Analysis 2025 – Rural Banking- Shift 2
As per the feedback from employees in the banking and financial sector, the difficulty level of the Rural Banking paper in Shift 2 was reported to be moderate to difficult. Below is a list of the key topics that were covered in the exam.
| Topic | Sub-Topic / Question |
| Government Schemes | MGNREGA, PMAY, PMFBY, DAY-NRLM, ASPIRE/SFURTI, SVAMITVA |
| NABARD & SIDBI | m-Suvidha, NABARD Subsidiaries, SIDBI |
| SHG/JLG & PACs | SHG BLP, JLG Function, PACs Case Study, Farmer Service Societies |
| Infrastructure & Institutions | Nodal Agency for PMGSY, 3-Tier System, Rural Electrification |
| Financial Concepts | DSCR, CD Ratio, MSME Limits, Grace Period |
| Case Studies | RRBs, Micro Finance, PESA Act, Cropping Intensity |
| Education & Health | IBA Model Education Loan, PM-ABHIM |
| Communication Tools | Key Fact Statement, BCBF |
| Others | Cultivation, Bee Keeping, Dairy Development Project, Natural Calamity |
CAIIB Elective Exam Analysis 2025 – Risk Management Shift 1
The CAIIB Risk Management Exam Analysis 2025 offers a detailed overview of the questions asked and highlights the important topics covered in the exam. As per candidate feedback, the overall difficulty level of the paper was rated as moderate.
| S. No. | Topic / Question |
| 1 | HHI (Herfindahl-Hirschman Index) |
| 2 | IB (Investment Banking or Interbank – context-based) |
| 3 | RBI Circular – Regulatory Framework |
| 4 | Basel III Guidelines |
| 5 | CET 1 Ratio (Common Equity Tier 1 Ratio) |
| 6 | SBI as D-SIB (Domestic Systemically Important Bank) Bucket |
| 7 | Case Study – Balance Sheet Analysis |
| 8 | Capital Charge – Operational Risk, Market Risk, RWA Calculation |
| 9 | Basis Point Value of a Bond |
| 10 | Unexpected Loss – Risk Management Concept |
| 11 | Numerical – Duration & Modified Duration |
| 12 | Types of Risk – Classification & Understanding |
| 13 | OTM & ITM – Call Option Terminology |
| 14 | Leverage Ratio – Numerical Problem |
| 15 | CCB (Capital Conservation Buffer) + CCCB (Counter-Cyclical Capital Buffer) |
| 16 | Case Study – Cyber Fraud Scenario |
| 17 | Basic Indicator Approach – Operational Risk |
CAIIB Electives Exam Analysis 2025 – Central Banking Shift 1
The CAIIB Central Banking Exam Analysis 2025 provides insights into the types of questions asked and the key topics covered in the paper. According to candidate feedback, the overall difficulty level of the exam was rated as moderate.
| S. No. | Topic / Question |
| 1 | Basel Norms |
| 2 | Canadian Central Banking System |
| 3 | CAMEL Acronym (Bank Rating System) |
| 4 | CALCs (Capital Adequacy and Liquidity Calculations) |
| 5 | Case Study – Primary Dealers |
| 6 | Case Study – Layers of NBFCs |
| 7 | MPC (Monetary Policy Committee) – Member |
| 8 | WACR (Weighted Average Call Rate) |
| 9 | LAF Corridor (Liquidity Adjustment Facility) |
| 10 | Info-Incentive Transaction Cost Model |
| 11 | European Commission – Financial Body Role |
| 12 | Bundesbank – Role and Structure |
| 13 | Chairman of 15th Finance Commission |
| 14 | Minimum Capital Requirement for Primary Dealers |
| 15 | Financial body formed post-2008 Global Crisis |
| 16 | Money Multiplier Concept |
| 17 | Objectives of OMO (Open Market Operations) |
| 18 | Independence of Central Bank |
| 19 | Phillips Curve – Inflation vs Unemployment |
| 20 | Small Finance Banks – Key Features |
| 21 | Statutory Liquidity Ratio (SLR) |
| 22 | Monetary Aggregates – M0, M1, M2, M3 |
| 23 | Pillars of Basel II and III |
| 24 | Money Markets – Instruments and Features |
| 25 | Forex Rate – Exchange Rate Mechanism |
| 26 | Government Securities – Role in Monetary Policy |
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