The IIBF conducts the CAIIB 2025 exam, inviting banking professionals to take the next step in their career journey. Before starting their preparation for the CAIIB 2025 exam, bankers must familiarize themselves with the detailed syllabus for all 5 papers, including four compulsory papers and one elective paper. In this blog, we have provided the detailed CAIIB Syllabus 2025, along with the subject-wise syllabus covering both the compulsory and elective subjects for the November–December cycle exam scheduled to begin on 30th November 2025.
CAIIB Syllabus 2025
The CAIIB 2025 Syllabus consists of 5 papers, including 4 compulsory papers and 1 elective paper. The detailed breakdown of the CAIIB 2025 syllabus is provided below:
| Paper Name | Key Focus Areas |
|---|
| Advanced Bank Management (ABM) | Economic Analysis, Business Mathematics, Human Resource Management, and Credit Management. |
| Bank Financial Management (BFM) | International banking, Risk Management, Treasury Management, and Balance Sheet Management. |
| Advanced Business & Financial Management (ABFM) | Business strategy, Leadership and Ethics, Financial Management, and Valuation and Mergers. |
| Banking Regulations & Business Laws (BRBL) | Regulations and Compliance, Important Acts, Commercial Laws, and Business Laws and Regulations for Banking. |
CAIIB Elective Papers (Choice Based) Syllabus
There are some elective papers as well for CAIIB. We have mentioned the detailed CAIIB Syllabus for elective papers below:
| Elective Paper | Modules |
|---|
| CAIIB Elective Paper 1: Rural Banking | Module A: Rural India Module B: Financing Rural Development Module C: Priority Sector Financing & Government Initiatives Module D: Problems and Prospects in Rural Banking |
| CAIIB Elective Paper 2: Human Resource Management (HRM) | Module A: Human Resource Management Module B: Building an HR Strategy Module C: Motivation, Training & Skill Development Module D: Personnel Management & Industrial Relations Module E: Emerging Scenario in HRM |
| CAIIB Elective Paper 3: IT and Digital Banking | Module A: Introduction to Information Technology Module B: Systems and Design Module C: Banking Technology Applications & Digital Banking Module D: Information System Security Controls & Audit |
| CAIIB Elective Paper 4: Risk Management | Module A: Risk & Risk Management Framework Module B: Credit Risk Module C: Market Risk Module D: Operational Risk Module E: Basel & RBI Guidelines Module F: Derivatives & Risk Management |
| CAIIB Elective Paper 5: Central Banking | Module A: Rationale and Functions of Central Bank Module B: Central Banking in India Module C: Monetary and Credit Policies Module D: Forex Reserves & Indian Financial Market Module E: Regulation, Supervision & Financial Stability Module F: NBFCs and Primary Dealers Appendix |
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What are the Subjects of CAIIB 2025 Exam?
The CAIIB exam consists of a total of 5 papers, with 4 compulsory papers ABM, BFM, ABFM, and BRBL along with one elective paper based on the choice of the aspirant. The details of the papers are as follows:
| Paper Type | Details |
|---|
| Compulsory Papers | Advanced Bank Management (ABM) Bank Financial Management (BFM) Advanced Business & Financial Management (ABFM) Banking Regulations and Business Laws (BRBL) |
| Elective Papers (Choose Any One) | Rural Banking Human Resources Management Information Technology & Digital Banking Risk Management Central Banking |
Note:
- No exemption is granted for any subject based on prior qualifications.
- Candidates can choose their elective based on their current job role or career interests.
- It is recommended to select an elective paper based on your present role for better understanding and skill development.
- Candidates may change their elective paper in any subsequent attempt if desired.
What is the CAIIB Exam Pattern?
The CAIIB Exam Pattern, as prescribed by the Indian Institute of Banking and Finance (IIBF), consists of a total of five papers, four compulsory papers (ABM, BFM, ABFM, and BRBL), each conducted separately with 100 questions for 100 marks and a duration of 2 hours, and one elective paper, which candidates can choose based on their area of work or personal preference, also conducted with 100 questions for 100 marks and a duration of 2 hours. The details of the CAIIB exam structure are as follows:
| Paper Name | Total Marks | Exam Duration | Passing Marks |
|---|
| Advanced Bank Management (ABM) | 100 | 2 Hours | 50 (or 45 with 50% aggregate) |
| Bank Financial Management (BFM) | 100 | 2 Hours | 50 (or 45 with 50% aggregate) |
| Advanced Business & Financial Management (ABFM) | 100 | 2 Hours | 50 (or 45 with 50% aggregate) |
| Banking Regulations & Business Laws (BRBL) | 100 | 2 Hours | 50 (or 45 with 50% aggregate) |
| Elective Paper (Any One) | 100 | 2 Hours | 50 (or 45 with 50% aggregate) |
CAIIB Marking Scheme
The Certified Associate of Indian Institute of Bankers (CAIIB) exam follows a structured marking scheme as per IIBF guidelines. Below is the detailed breakdown:
| Criteria | Details |
|---|
| Total Papers | 5 (4 compulsory + 1 elective) |
| Total Marks per Paper | 100 Marks |
| Number of Questions | 100 (Objective Type) |
| Marking System | 1 mark per correct answer |
| Negative Marking | No negative marking |
| Exam Duration | 2 Hours (120 Minutes) per paper |
What are the Topics Covered under the CAIIB ABM syllabus?
The modules covered under CAIIB ABM syllabus are Economic Analysis, Business Mathematics, Human Resource Management, and Credit Management. Further details of the subtopics under the syllabus are as follows:
| Module | Topics Covered |
|---|
| Module A: Economic Analysis | - National Income and Related Concepts - Inflation: Definition, Types, and Control Measures - Business Cycles: Phases and Indicators - Monetary and Fiscal Policies: Tools and Impacts - International Trade: Theories, Policies, and Balance of Payments |
| Module B: Business Mathematics | - Time Value of Money: Present and Future Value Calculations - Sampling Methods and Estimation - Linear Programming: Formulation and Solutions - Simulation: Concepts and Applications |
| Module C: Human Resource Management | - Manpower Planning: Strategies and Techniques - Recruitment and Selection Processes - Training and Development: Needs and Methods - Performance Appraisal Systems - Compensation Management: Structures and Policies |
| Module D: Credit Management | - Credit Policy: Objectives and Formulation - Credit Appraisal: Techniques and Tools - Monitoring and Review of Credit Facilities - Management of Non-Performing Assets (NPAs) |
What are the Topics Covered under the CAIIB BFM syllabus?
The modules covered under CAIIB BFM syllabus are International Banking, Risk Management, Treasury Management, and Balance Sheet Management. Further details of the subtopics under the syllabus are as follows:
| Module | Topics Covered |
|---|
| Module A: International Banking | - International Monetary System: Evolution and Structure - Foreign Exchange Markets: Functions and Participants - Exchange Rate Mechanisms and Risk Management - International Trade Finance: Instruments and Procedures |
| Module B: Risk Management | - Risk Identification in Banking Operations - Credit Risk: Assessment and Mitigation - Market Risk: Measurement and Management - Operational Risk: Frameworks and Controls |
| Module C: Treasury Management | - Functions and Organization of Treasury - Liquidity Management: Strategies and Tools - Investment Portfolio Management - Derivatives in Treasury Operations |
| Module D: Balance Sheet Management | - Asset-Liability Management (ALM): Concepts and Techniques - Interest Rate Risk Management - Liquidity Risk: Measurement and Control - Capital Adequacy: Basel Norms and Implementation |
What are the Topics Covered under the CAIIB ABFM syllabus?
The modules covered under CAIIB ABFM syllabus are Business Strategy, Leadership and Ethics, Financial Management, and Valuation and Mergers. Further details of the subtopics under the syllabus are as follows:
| Module | Topics Covered |
|---|
| Module A: Business Strategy | - Strategic Planning: Process and Models - Corporate Strategies: Growth, Stability, and Retrenchment - Competitive Analysis: Tools and Techniques - Strategic Implementation and Control |
| Module B: Leadership and Ethics | - Leadership Theories and Styles - Corporate Governance: Principles and Practices - Business Ethics: Frameworks and Applications - Corporate Social Responsibility (CSR): Concepts and Cases |
| Module C: Financial Management | - Capital Structure: Planning and Policy - Cost of Capital: Computation and Implications - Dividend Decisions: Theories and Policies - Working Capital Management: Components and Strategies |
| Module D: Valuation and Mergers | - Business Valuation Methods - Mergers and Acquisitions: Process and Financing - Corporate Restructuring: Strategies and Techniques - Financial Distress and Restructuring |
What are the Topics Covered under the CAIIB BRBL syllabus?
The modules covered under CAIIB BRBL syllabus are Regulations and Compliance, Important Acts, Commercial Laws, and Business Laws and Regulations for Banking. Further details of the subtopics under the syllabus are as follows:
| Module | Topics Covered |
|---|
| Module A: Regulations and Compliance | - Overview of Banking Regulation Act, 1949 - Reserve Bank of India Act, 1934: Provisions and Functions - Compliance Framework in Banks - Anti-Money Laundering (AML) and Know Your Customer (KYC) Guidelines |
| Module B: Important Acts | - Negotiable Instruments Act, 1881 - Indian Contract Act, 1872 - Companies Act, 2013: Provisions Related to Banking - SARFAESI Act, 2002 |
| Module C: Commercial Laws | - Transfer of Property Act, 1882 - Sale of Goods Act, 1930 - Indian Partnership Act, 1932 - Limited Liability Partnership (LLP) Act, 2008 |
| Module D: Business Laws and Regulations for Banking | - Consumer Protection Act - Competition Act - Intellectual Property Rights (IPR) related to Banking - Right to Information Act (RTI) |
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CAIIB Elective Paper 1 Rural India Syllabus
The Rural Banking paper under the CAIIB 2025 syllabus is designed to deepen understanding of India's rural economy, financial services in rural areas, and the role of banking in rural development. The syllabus is divided into four key modules:
| Module | Focus Areas |
|---|
| Module A: Rural India | Overview of rural demographics, agriculture economy, rural infrastructure, development policies, and key socio-economic issues. |
| Module B: Financing Rural Development | Structure of rural financial institutions, agricultural credit, MSME and SME financing, microfinance, and model bankable projects. |
| Module C: Priority Sector Financing & Government Initiatives | Priority sector lending guidelines, government poverty alleviation schemes, rural housing and education loans, and financial inclusion efforts. |
| Module D: Problems and Prospects in Rural Banking | Emerging trends in rural banking, role of technology in agriculture and financial inclusion, and microcredit through SHGs and MFIs. |
CAIIB Elective Paper 2 HRM Syllabus
The Human Resource Management paper in the CAIIB 2025 exam focuses on key HR functions, leadership, employee development, and emerging workplace trends such as AI in HR and hybrid work models.
| Module | Key Focus Areas |
|---|
| Module A: Human Resource Management | Fundamentals of HRM, organizational behavior, leadership styles, stress management, HR challenges in banks, knowledge management. |
| Module B: Building an HR Strategy | Strategic HR planning, CEO's HR role, succession planning, performance management, HR audits, HR functions, communication. |
| Module C: Motivation, Training & Skill Development | Motivation theories, employee learning behavior, training needs and methods, leadership training, soft skills, ROI in training. |
| Module D: Personnel Management & Industrial Relations | Industrial laws, grievance redressal, workplace discipline, trade unions, workers' participation, POSH Act, gender and diversity issues. |
| Module E: Emerging Scenario in HRM | Employee engagement (WFH & hybrid), organizational culture, green HRM, AI in HR, HR analytics, crisis management (VUCA/BANI), CSR, and business ethics. |
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CAIIB Elective Paper 3 IT and Digital Banking Syllabus
The details of the IT and Digital Banking Syllabus details are as follows:
| Module | Key Focus Areas |
|---|
| Module A: Introduction to Information Technology | Basics of IT, computing environments, virtualization, software types, web browsers, networking systems, TCP/IP, and data communication. |
| Module B: Systems and Design | Types of information systems (MIS, DSS, EIS), project management, database systems (DBMS, Oracle), data warehousing, data mining, and analytics. |
| Module C: Banking Technology Applications & Digital Banking | E-learning in banks, banking software, centralized banking systems, electronic clearing (NEFT, RTGS, NPCI), plastic money (cards), digital banking, mobile payments, IT Act 2000/2008, and emerging fintech technologies like AI, blockchain, CBDCs. |
| Module D: Information System Security Controls & Audit | Computer security (physical/logical/biometric), cryptography, digital signatures, BCP vs DRP, IS audit processes, RFP & SLA management, RBI cyber security and digital payment security guidelines. |
CAIIB Elective Paper 4 Risk Management Syllabus
This paper is designed to equip banking professionals with practical insights into risk identification, assessment, mitigation, and regulatory compliance. The detailed syllabus are as follows:
| Module | Key Areas Covered |
|---|
| Module A: Risk & Risk Management Framework | Types of risks in banking, risk management structure, ALM, interest rate risk, and liquidity risk management. |
| Module B: Credit Risk | Credit risk framework, borrower/obligor risk, credit rating systems, portfolio risk, credit derivatives, and RAROC. |
| Module C: Market Risk | Types of market risk, interest rate & bond risk, portfolio valuation, Value at Risk (VaR), stress testing, and back testing. |
| Module D: Operational Risk | Operational risk framework, RCSA, KRI, technology risk, cyber security, governance, and climate-related financial risk. |
| Module E: Basel & RBI Guidelines | Basel I, II, III norms, capital adequacy, ICAAP, stress testing, market discipline, liquidity ratios, and risk-based supervision. |
| Module F: Derivatives & Risk Management | Forward, futures, options, swaps, derivative pricing, risk mitigation using derivatives, and statistical tools. |
CAIIB Elective Paper 5 Central Banking Syllabus
This paper is essential for banking professionals aiming to understand monetary policy, regulatory frameworks, financial stability, liquidity management, and the supervisory responsibilities of central banks. It also covers foreign exchange reserve management, NBFCs, and the integration of digital currency frameworks in modern financial systems.
| Module | Topics Covered |
|---|
| Module A: Rationale and Functions of Central Bank | Evolution of Central Banking, Functions (like monetary policy, currency management, financial stability), Contemporary Issues such as autonomy, transparency, and central bank credibility |
| Module B: Central Banking in India | Structure and governance of RBI, Key Acts (RBI Act, FEMA, Banking Ombudsman), Financial inclusion, Role of RBI in development |
| Module C: Monetary and Credit Policies | Objectives & instruments of monetary and credit policy, Policy transmission, Liquidity management, Fiscal-monetary relationship |
| Module D: Forex Reserves & Indian Financial Market | Management of foreign exchange reserves, Gold reserves, Financial market structure – money market, bond market, forex market |
| Module E: Regulation, Supervision & Financial Stability | Evolution of bank regulation in India, Commercial and Cooperative banks' supervision, Basel Norms, Financial stability risks |
| Module F: NBFCs and Primary Dealers | Regulation of NBFCs and HFCs, Scale-based regulatory framework, Role and governance of Primary Dealers, Operational guidelines |
| Appendix | Key RBI Committees, International Financial Institutions, Crypto, CBDC, Glossary of Terms |
CAIIB Syllabus 2025 PDF Download
Download the CAIIB Syllabus 2025 PDF to get the latest exam structure, compulsory and elective subjects, and topic-wise details. This IIBF CAIIB syllabus covers Advanced Bank Management (ABM), Bank Financial Management (BFM), Advanced Business & Financial Management (ABFM), and Banking Regulations & Business Laws (BRBL), along with specialized electives like Risk Management, IT & Digital Banking, and Central Banking. Stay ahead in your CAIIB exam preparation with this comprehensive syllabus. Get the official CAIIB Syllabus PDF in the link given below.
Download CAIIB Syllabus 2025 PDF
Tips to Prepare for CAIIB Syllabus
Preparing for the CAIIB 2025 exam requires a strategic approach, as the syllabus covers advanced banking and financial concepts. Here are some expert tips to help you ace the exam:
| Strategy | Key Focus |
|---|
| Understand the Exam Pattern & Syllabus | Review the latest IIBF syllabus; differentiate between compulsory & elective papers for better planning. |
| Prioritize Conceptual Clarity | Strengthen core banking concepts like Risk Management, Treasury, International Banking, and Financial Management. |
| Use Standard Study Material | Study from IIBF-prescribed books and official modules; focus on case studies for real-world application. |
| Focus on Numerical & Case-Based Questions | Practice numerical in ABM & BFM; solve past case-based questions to build problem-solving skills. |
| Make Use of Online Courses & Mock Tests | Join online coaching; take regular mock tests and solve previous year papers for performance assessment. |
| Revise & Practice Regularly | Prepare short revision notes; revise formulas and key regulatory topics frequently. |
| Stay Updated with Banking & Financial News | Read RBI circulars, IIBF updates, financial news, and recent reforms to stay current. |
