The Indian Institute of Banking & Finance (IIBF) has released the CAIIB Notification 2025, inviting banking professionals to take the next step in their career journey. Aimed at enhancing the professional knowledge and skills of employees in the banking and finance sector, the CAIIB exam is conducted twice a year.
With the May–June 2025 cycle now concluded, registration for the November–December 2025 cycle will begin in September 2025. The examination includes four compulsory papers and one elective paper. In this blog, we have provided the detailed CAIIB Syllabus 2025, covering both the compulsory and elective subjects.
CAIIB Syllabus 2025 Overview
IIBF has also released the updated CAIIB 2025 syllabus and exam pattern for the Certified Associate of Indian Institute of Bankers examination. Passing the CAIIB exam not only strengthens industry expertise but also offers salary increments and promotional benefits. The details CAIIB 2025 exam are as follows:
| Particulars | Details |
|---|
| Total Papers | 4 Compulsory + 1 Elective (Total: 5) |
| Mode of Exam | Online (Computer-Based Test) |
| Question Type | Multiple Choice Questions (MCQs) |
| Total Marks per Paper | 100 Marks |
| Exam Duration | 2 Hours per Paper |
| Negative Marking | No Negative Marking |
| Language | English & Hindi |
| Elective Subjects | Risk Management, Rural Banking, HRM, IT & Digital Banking, Central Banking |
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IIBF CAIIB Syllabus 2025
The CAIIB 2025 Syllabus consists of 5 papers, including 4 compulsory papers and 1 elective paper. As per the revised CAIIB 2025 syllabus, credit is applicable to all subjects except ABFM and BRBL. The detailed breakdown of the CAIIB 2025 syllabus is provided below:
| Paper Name | Key Focus Areas |
|---|
| Advanced Bank Management (ABM) | Economic analysis, risk management, HR strategies, and credit risk assessment. |
| Bank Financial Management (BFM) | Treasury operations, foreign exchange management, asset-liability management, and international banking. |
| Advanced Business & Financial Management (ABFM) | Business strategy, corporate finance, governance, financial statement analysis, and decision-making. |
| Banking Regulations & Business Laws (BRBL) | Banking laws, regulatory frameworks, compliance, and business-related legal aspects. |
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 | Topics Covered |
|---|
| Risk Management | Credit, market, and operational risk with mitigation strategies. |
| Rural Banking | Rural finance, microcredit, financial inclusion, and priority sector lending. |
| Human Resource Management (HRM) | Employee training, leadership, industrial relations, and HR policies. |
| IT & Digital Banking | Cybersecurity, fintech, digital payments, and banking technology. |
| Central Banking | Monetary policy, financial stability, economic regulations, and global banking systems. |
CAIIB Exam Pattern 2025
The CAIIB 2025 exam, conducted by IIBF, follows an online format and comprises of 100 marks per paper. Given below is the CAIIB Exam Pattern:
| 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 |
CAIIB ABM Syllabus 2025
The various modules of Advanced Bank Management are given below:
| 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) |
CAIIB BFM Syllabus 2025
The different modules of Bank Financial Management are provided below:
| 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 |
CAIIB ABFM Syllabus 2025
Given below are the details of each module for Advanced Business and Financial Management:
| 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 |
CAIIB BRBL Syllabus 2025
Candidates must know the details of each module from the information given below:
| 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. |
CAIIB Elective Paper 3 IT and Digital Banking Syllabus
| 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 numericals 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. |
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