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CAIIB Syllabus 2025 for ABM, BRBL, ABFM, BFM and Elective Papers

Updated on Jul 08, 2025 18:11 IST

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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:

ParticularsDetails
Total Papers4 Compulsory + 1 Elective (Total: 5)
Mode of ExamOnline (Computer-Based Test)
Question TypeMultiple Choice Questions (MCQs)
Total Marks per Paper100 Marks
Exam Duration2 Hours per Paper
Negative MarkingNo Negative Marking
LanguageEnglish & Hindi
Elective SubjectsRisk Management, Rural Banking, HRM, IT & Digital Banking, Central Banking

 

Take a Free CAIIB Mock Test Now

 

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 NameKey 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 PaperTopics Covered
Risk ManagementCredit, market, and operational risk with mitigation strategies.
Rural BankingRural finance, microcredit, financial inclusion, and priority sector lending.
Human Resource Management (HRM)Employee training, leadership, industrial relations, and HR policies.
IT & Digital BankingCybersecurity, fintech, digital payments, and banking technology.
Central BankingMonetary 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 NameTotal MarksExam DurationPassing Marks
Advanced Bank Management (ABM)1002 Hours50 (or 45 with 50% aggregate)
Bank Financial Management (BFM)1002 Hours50 (or 45 with 50% aggregate)
Advanced Business & Financial Management (ABFM)1002 Hours50 (or 45 with 50% aggregate)
Banking Regulations & Business Laws (BRBL)1002 Hours50 (or 45 with 50% aggregate)
Elective Paper (Any One)1002 Hours50 (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:

CriteriaDetails
Total Papers5 (4 compulsory + 1 elective)
Total Marks per Paper100 Marks
Number of Questions100 (Objective Type)
Marking System1 mark per correct answer
Negative MarkingNo negative marking
Exam Duration2 Hours (120 Minutes) per paper

 

CAIIB ABM Syllabus 2025

 

The various modules of Advanced Bank Management are given below:

ModuleTopics 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:

ModuleTopics 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:

ModuleTopics 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:

ModuleTopics 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)

 

Attempt CAIIB Previous Year Papers

 

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:

ModuleFocus Areas
Module A: Rural IndiaOverview of rural demographics, agriculture economy, rural infrastructure, development policies, and key socio-economic issues.
Module B: Financing Rural DevelopmentStructure of rural financial institutions, agricultural credit, MSME and SME financing, microfinance, and model bankable projects.
Module C: Priority Sector Financing & Government InitiativesPriority sector lending guidelines, government poverty alleviation schemes, rural housing and education loans, and financial inclusion efforts.
Module D: Problems and Prospects in Rural BankingEmerging 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. 

ModuleKey Focus Areas
Module A: Human Resource ManagementFundamentals of HRM, organizational behavior, leadership styles, stress management, HR challenges in banks, knowledge management.
Module B: Building an HR StrategyStrategic HR planning, CEO's HR role, succession planning, performance management, HR audits, HR functions, communication.
Module C: Motivation, Training & Skill DevelopmentMotivation theories, employee learning behavior, training needs and methods, leadership training, soft skills, ROI in training.
Module D: Personnel Management & Industrial RelationsIndustrial laws, grievance redressal, workplace discipline, trade unions, workers' participation, POSH Act, gender and diversity issues.
Module E: Emerging Scenario in HRMEmployee 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

 

ModuleKey Focus Areas
Module A: Introduction to Information TechnologyBasics of IT, computing environments, virtualization, software types, web browsers, networking systems, TCP/IP, and data communication.
Module B: Systems and DesignTypes of information systems (MIS, DSS, EIS), project management, database systems (DBMS, Oracle), data warehousing, data mining, and analytics.
Module C: Banking Technology Applications & Digital BankingE-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 & AuditComputer 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:

ModuleKey Areas Covered
Module A: Risk & Risk Management FrameworkTypes of risks in banking, risk management structure, ALM, interest rate risk, and liquidity risk management.
Module B: Credit RiskCredit risk framework, borrower/obligor risk, credit rating systems, portfolio risk, credit derivatives, and RAROC.
Module C: Market RiskTypes of market risk, interest rate & bond risk, portfolio valuation, Value at Risk (VaR), stress testing, and back testing.
Module D: Operational RiskOperational risk framework, RCSA, KRI, technology risk, cyber security, governance, and climate-related financial risk.
Module E: Basel & RBI GuidelinesBasel I, II, III norms, capital adequacy, ICAAP, stress testing, market discipline, liquidity ratios, and risk-based supervision.
Module F: Derivatives & Risk ManagementForward, 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.

ModuleTopics Covered
Module A: Rationale and Functions of Central BankEvolution 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 IndiaStructure and governance of RBI, Key Acts (RBI Act, FEMA, Banking Ombudsman), Financial inclusion, Role of RBI in development
Module C: Monetary and Credit PoliciesObjectives & instruments of monetary and credit policy, Policy transmission, Liquidity management, Fiscal-monetary relationship
Module D: Forex Reserves & Indian Financial MarketManagement of foreign exchange reserves, Gold reserves, Financial market structure – money market, bond market, forex market
Module E: Regulation, Supervision & Financial StabilityEvolution of bank regulation in India, Commercial and Cooperative banks' supervision, Basel Norms, Financial stability risks
Module F: NBFCs and Primary DealersRegulation of NBFCs and HFCs, Scale-based regulatory framework, Role and governance of Primary Dealers, Operational guidelines
AppendixKey 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:

StrategyKey Focus
Understand the Exam Pattern & SyllabusReview the latest IIBF syllabus; differentiate between compulsory & elective papers for better planning.
Prioritize Conceptual ClarityStrengthen core banking concepts like Risk Management, Treasury, International Banking, and Financial Management.
Use Standard Study MaterialStudy from IIBF-prescribed books and official modules; focus on case studies for real-world application.
Focus on Numerical & Case-Based QuestionsPractice numericals in ABM & BFM; solve past case-based questions to build problem-solving skills.
Make Use of Online Courses & Mock TestsJoin online coaching; take regular mock tests and solve previous year papers for performance assessment.
Revise & Practice RegularlyPrepare short revision notes; revise formulas and key regulatory topics frequently.
Stay Updated with Banking & Financial NewsRead RBI circulars, IIBF updates, financial news, and recent reforms to stay current.

 

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