CAIIB Notification 2025: The Indian Institute of Banking and Finance has released the CAIIB Notification 2025 for banking professionals aiming for career growth and salary benefits. The CAIIB exam is conducted twice a year, and the May-June 2025 cycle has already been completed. Now, the registration for the November to December 2025 cycle will begin in September 2025.
In this blog, we provide all the essential details about the CAIIB 2025 exam, including exam dates, eligibility criteria, syllabus, fees, and the registration process, to help you plan your preparation and achieve the CAIIB Certified title.
Why is the CAIIB Exam Conducted?
The Indian Institute of Banking and Finance conducts the Certified Associate of the Indian Institute of Bankers examination to provide banking and financial sector professionals with advanced knowledge essential for better decision-making. The syllabus covers areas such as Treasury Management, Risk Management, Balance Sheet Management, Credit Management, Financial Management, International Banking, Economic Analysis, Business Laws, and more.
When will the CAIIB 2025 December Cycle Notification be Released?
The CAIIB 2025 notification has been released. The registration process for the December cycle will start on 2nd September 2025 and continue until 8th September 2025, during which candidates can register by paying the basic application fee. After that, candidates can still register until 22nd September 2025, but a late fee will be applicable.
As per the notification, the CAIIB December 2025 exams will begin on 30th November and continue until 21st December 2025.
CAIIB Notification 2025 Overview
CAIIB stands for Certified Associate of the Indian Institute of Bankers. It is a professional exam conducted by the Indian Institute of Banking and Finance. The detailed overview of the CAIIB examination is as follows:
Particulars | Details |
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Exam Name | CAIIB (Certified Associate of Indian Institute of Bankers) 2025 |
Conducting Body | Indian Institute of Banking & Finance (IIBF) |
CAIIB Notification 2025 | Released |
Purpose | Advanced knowledge for banking professionals |
Eligibility | IIBF Membership + JAIIB Qualified |
Exam Mode | Online (CBT) |
Exam Frequency | Twice a year |
CAIIB Exam Date | 30th November to 21st December 2025 |
Papers | ABM, BFM, ABFM, BRBL and Elective Paper (Choice-based) |
Elective Options | Retail, Rural, HRM, IT, Risk Management, and more |
Registration Dates | 2nd to 22nd September 2025 |
Fees (Approx.) | ₹2,000 - ₹6,000 |
Benefits | Salary increment, promotions, specialized roles |
Official Website | iibf.org.in |
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What are the Important Dates for the CAIIB December Cycle Exam?
The important dates related to the CAIIB 2025 December cycle exams are the registration date and exam date. The registration process will start on 2nd September and continue until 8th September without any late fee, but after that, bankers will be able to submit their applications until 22nd September with a late fee. The exam for the December cycle will start on 30th November, and the last paper will be held on 21st December 2025. Further details are provided in the table below:
Event | Date |
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Registration Start Date | 2nd September 2025 |
Registration End Date | 22nd September 2025 |
Advanced Bank Management (ABM) | 30th November 2025 |
Bank Financial Management (BFM) | 7th December 2025 |
Advanced Business & Financial Management (ABFM) | 13th December 2025 |
Banking Regulations and Business Laws (BRBL) | 14th December 2025 |
Elective Papers (e.g., Rural Banking, HR Management, IT & Digital Banking, Risk Management, Central Banking) | 21st December 2025 |
CAIIB Eligibility Criteria 2025
Professionals serving in banks or financial institutions who wish to appear for the CAIIB examination must fulfill the eligibility criteria as specified by the IIBF. The details of the CAIIB eligibility criteria are as follows:
Eligibility Component | Requirement |
---|
Educational Qualification | Passed JAIIB (Junior Associate of the IIBF) |
IIBF Membership | Must hold a valid IIBF membership |
Employment Status | Employed with a recognized bank or financial institution |
Age Limit | No age restriction |
Registration Validity | 3 years from the date of registration |
Allowed Attempts | Unlimited attempts within the 3-year validity |
What is the CAIIB Application Process 2025?
Only those candidates who have successfully cleared the JAIIB 2025 exam can apply for the CAIIB exam. Since they are already registered members of IIBF, they do not need to register again.
Candidates can directly apply by filling out the CAIIB application form through their existing IIBF membership. The process involves entering personal and educational details, uploading the required documents, and paying the application fee. The complete step-by-step application process is explained in the table below.
Action | Details |
---|
Visit Official IIBF Website | Go to the official site of the Indian Institute of Banking & Finance. |
Access CAIIB Notification & Apply Link | Navigate to ‘Examinations/Courses', then go to ‘Flagship Courses', select CAIIB, and click on ‘Apply Online'. |
Login to IIBF Account | Use your Membership Number and Password. If you're new, register to get an IIBF Membership ID. |
Fill Out the CAIIB Application Form | Enter personal, educational, and employment details. Select exam center, language, and elective paper. |
Upload Required Documents (if asked) | Upload scanned copies of ID proof, qualification, or membership documents as per guidelines. |
Make Online Fee Payment | Pay the CAIIB exam fee using Debit/Credit Card, Net Banking, UPI, or other online modes. |
Submit & Confirm Application | After payment, submit the form. Download and save the confirmation receipt for records. |
What are the Application Charges for the CAIIB 2025 Exam?
The Indian Institute of Banking and Finance has set the CAIIB 2025 examination fees based on the number of attempts. Candidates must register separately for each attempt. If candidates fill out the application form by 8th September 2025, they will not have to pay any late fee, whereas candidates submitting the application after 8th September will have to pay a late fee. For the 1st attempt, the exam fee is Rs. 5,000, whereas for further attempts, the charges are Rs. 1,300. The details of the application fees and the corresponding number of attempt-wise fee details are provided in the table below:
Registration Dates | Fees Payable |
---|
02 September 2025 to 08 September 2025 | Normal examination fees |
09 September 2025 to 15 September 2025 | Normal examination fees + ₹100 late fee |
16 September 2025 to 22 September 2025 | Normal examination fees + ₹200 late fee |
The CAIIB exam fees based on the number of attempts are structured as follows:
Attempt | Fee (₹) | GST Applicable |
---|
First Attempt | ₹5,000 | Yes |
Second Attempt | ₹1,300 | Yes |
Third Attempt | ₹1,300 | Yes |
Fourth Attempt | ₹1,300 | Yes |
Fifth Attempt | ₹1,300 | Yes |
Note:
- Fees are non-refundable and must be paid online via the IIBF portal.
- Early registration helps avoid late fees.
- Candidates are allowed a maximum of 5 attempts within 3 years from the first registration to pass the CAIIB exam.
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 Structure?
The CAIIB 2025 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 | Type | Questions/Marks | Time Duration |
---|
Advanced Bank Management | Compulsory | 100/100 | 2 Hours |
Bank Financial Management | Compulsory | 100/100 | 2 Hours |
Advanced Business and Financial Management | Compulsory | 100/100 | 2 Hours |
Banking Regulations and Business Laws | Compulsory | 100/100 | 2 Hours |
Elective Paper | To Be Chosen From 5 Optional Subjects | 100/100 | 2 Hours |
What are the Passing Criteria for the CAIIB Exam?
To successfully clear the CAIIB 2025 exam, candidates must meet the minimum marks requirement set by the IIBF. The minimum qualifying marks for each paper are 50, with an aggregate of 45% in each paper and a total of 50% overall aggregate. The details of the CAIIB passing criteria are as follows:
- Minimum Marks per Paper: 50 out of 100 marks required to pass each subject.
- Aggregate Pass Rule: 45 marks in each paper with 50% overall aggregate (in a single attempt) also qualifies as pass.
- Credit Retention: Marks obtained in passed subjects are retained until the expiry of the registration validity.
- Validity Period: Credits remain valid within the 3-year period or 5 attempts allowed from the date of registration.
- No Negative Marking: There is no penalty for wrong answers in CAIIB exams.
CAIIB Number of Attempts
The Indian Institute of Banking and Finance has laid down specific rules regarding the number of attempts and time validity for the CAIIB 2025 Exam. Candidates must complete the exam within a defined number of attempts or time period, whichever comes first. The details are as follows:
- Candidates are allowed a maximum of 5 attempts to clear the CAIIB Exam.
- These 5 attempts must be used within 3 years from the date of first registration—whichever comes earlier applies.
- Attempts are counted once a candidate registers for an exam, even if they do not appear.
- The 5 attempts do not have to be consecutive.
- If a candidate uses all 5 attempts before 3 years, or if the 3-year period ends before all 5 attempts are used, they must re-enroll.
- Upon re-enrolment, no credit will be given for any subject(s) passed earlier.
- Typically, 6 exam cycles are held within a 3-year span; candidates can choose any 5 out of these.
CAIIB Syllabus 2025
The CAIIB Syllabus 2025 covers four compulsory papers: ABM, BFM, ABFM, and BRBL, along with one elective paper focusing on specialized banking areas like Retail, Rural, HRM, IT, Risk, and Central Banking. The syllabus of CAIIB is as follows:
CAIIB Compulsory Papers Syllabus
The details of the CAIIB Compulsory Papers Syllabus are as follows:
Paper Name | Main Topics Covered |
---|
Advanced Bank Management (ABM) | Economic Analysis, Business Mathematics, Human Resource Management in Banks, Credit Management, Compliance, Risk Management, Treasury, Balance Sheet Management |
Bank Financial Management (BFM) | International Banking, Risk Management, Treasury Operations, Balance Sheet, Forex Business, Capital Adequacy, Basel Norms, Asset Liability Management (ALM) |
Advanced Business & Financial Management (ABFM) | Business Strategy, Financial Management, Valuation, Investment Decisions, Mergers & Acquisitions, Corporate Governance, Ethics |
Banking Regulations & Business Laws (BRBL) | Banking Regulation Act, RBI Act, Negotiable Instruments Act, SARFAESI Act, Insolvency and Bankruptcy Code (IBC), Consumer Protection Act, Law of Contracts, Securities Laws, Compliance |
CAIIB Elective Papers Syllabus (Choose Any One)
The details of the CAIIB Elective Paper Syllabus are as follows:
Elective Paper | Main Topics Covered |
---|
Retail Banking | Retail Products, Marketing, Customer Relationship Management (CRM), Delivery Channels, Digital Banking, Risk & Compliance |
Rural Banking | Rural Credit, Priority Sector Lending (PSL), Financial Inclusion, NABARD, Microfinance, SHGs, Government Schemes |
Human Resource Management (HRM) | HRM Concepts, Leadership, Motivation, Training, Industrial Relations, Labour Laws, Grievance Handling |
Information Technology & Digital Banking | Core Banking Systems, Cyber Security, IT Governance, Emerging Tech, FinTech, Blockchain, Digital Banking Products |
Risk Management | Types of Risk (Credit, Market, Operational), Risk Mitigation Techniques, Basel Framework, ICAAP, Stress Testing |
Central Banking | Role of RBI, Monetary Policy, Financial System Structure, Currency Management, Supervision, Developmental Functions of RBI |
CAIIB Salary Increment
Clearing the CAIIB Examination not only enhances your banking knowledge but also brings significant monetary benefits. The table below provides an approximate breakdown of the salary increment received by Probationary Officers and Clerks after qualifying JAIIB and CAIIB, as per industry standards.
Characteristic | Probationary Officer | Clerk |
---|
JAIIB Increment (Approx.) | ₹2,000 | ₹1,340 |
CAIIB Increment (Approx.) | ₹4,000 | ₹2,680 |
Total Monthly Increment (Approx.) | ₹6,000 | ₹4,020 |
Annual Increment (Approx.) | ₹72,000 | ₹48,240 |
CAIIB Preparation Strategy 2025
Effective preparation is important to clear the CAIIB Exam 2025, and here are some tips to help you:
Strategy | Key Focus Areas |
---|
Understand the Exam Pattern & Syllabus | Go through the CAIIB 2025 syllabus, focus on compulsory & elective papers |
Create a Study Plan | Build a realistic timetable, give more time to ABM, BFM, Risk & BRBL |
Use Official Books & Materials | Refer to IIBF books, use updated study material, PYQs & workbooks |
Focus on Conceptual Clarity | Strengthen fundamentals in banking, law, finance, risk, with real-life cases |
Attempt Mock Tests & PYQs | Practice CAIIB mock tests, improve accuracy & speed, analyze mistakes |
Revise Regularly | Prepare short notes, revision charts, focus on RBI guidelines & key laws |
Join Online Classes & Groups | Attend online coaching, join discussion forums for doubts & peer learning |
CAIIB Admit Card 2025
The CAIIB Admit Card 2025 will be released by IIBF on its official website prior to the examination. It is a mandatory document to appear for the CAIIB exam. As per the released notification the CAIIB Admit Card will be released 10 to 15 days before the examination.
How to Download CAIIB Admit Card 2025?
To download the CAIIB admit card, aspirants have to visit the official website, go to the exam tab, select the admit card option, and then provide the registration number and password to download the admit card. The process to download the CAIIB admit card is as follows:
- Visit the official IIBF website: https://www.iibf.org.in.
- Click on ‘Examination/ Courses' tab.
- Select ‘Admit Letter' under CAIIB Exam section.
- Login with your Membership/Registration Number and Password.
- Click on ‘Download Admit Card' link.
- Save and print the admit card for exam day.
CAIIB Result 2025
The CAIIB Result 2025 will be officially declared by IIBF (Indian Institute of Banking & Finance) on its website after the completion of the examination. Candidates can check their results online using their registration details.
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