The Indian Institute of Banking and Finance (IIBF) has released its Annual Report 2025-26, covering the institute’s performance, membership, academic activities, training programmes, examinations, financial position, collaborations, digital initiatives, and other major developments during the financial year ending 31st March 2026.
The report provides important data on the flagship JAIIB and CAIIB examinations, including the number of candidates enrolled, appeared, passed, and the overall pass percentage. In this blog, we have covered the important highlights of the IIBF Annual Report 2025-26, with special focus on JAIIB and CAIIB enrolments and passing rates.
What is the Indian Institute of Banking and Finance (IIBF)?
The Indian Institute of Banking and Finance (IIBF), established in 1928, is a professional body for banking and finance professionals in India. As of 31st March 2026, it had 11,60,205 Ordinary Members and 753 Institutional Members. IIBF provides professional education through examinations, training, diplomas, certificates, and specialised courses, with JAIIB, CAIIB, and Diploma in Banking & Finance (DB&F) as its flagship qualifications.
What are the vision, mission and objectives of IIBF?
The vision, mission, and objectives of IIBF focus on developing skilled and professionally competent banking and finance professionals.
- Vision
- Develop competent professionals in banking and finance.
- Mission
- Develop professionally qualified bankers.
- Provide education and training.
- Conduct professional examinations.
- Provide consultancy and counselling.
- Promote continuing professional development.
- Key Objectives
- Promote the study of banking and finance.
- Test and certify professional competence.
- Provide useful information to banking professionals.
- Promote continuous professional development.
- Conduct research in banking and finance.
- Encourage innovation and creativity among finance professionals.
What are the key highlights of the IIBF Annual Report 2025-26?
The IIBF Annual Report 2025-26 covers several important areas, from financial performance and membership to examinations, training and corporate development.
| Area | Major Highlight |
|---|---|
| Membership | 11,60,205 Ordinary Members |
| Institutional Members | 753 |
| New Ordinary Membership | 46,490 |
| Flagship Enrolments | 2,87,272 |
| JAIIB Enrolments | 1,77,891 |
| CAIIB Enrolments | 1,06,115 |
| JAIIB Pass Rate | 15.63% |
| CAIIB Pass Rate | 14.03% |
| DB&F Pass Rate | 15.33% |
| IIBF Revenue | ₹17,566.82 lakh |
| Net Surplus | ₹9,060.42 lakh |
| Total Comprehensive Income | ₹9,120.77 lakh |
| Training Programmes | 430 |
| Training Participants | 19,325 |
The report states that the flagship examinations recorded a 10% increase in enrolments, showing continued participation in IIBF’s professional qualifications.
How many members does IIBF have as of 31st March 2026?
IIBF’s membership continued to grow during FY 2025-26. The institute had 11,60,205 Ordinary Members as of 31st March 2026, compared with 11,13,715 Ordinary Members as of 31st March 2025. The institute added 46,490 new Ordinary Members during FY 2025-26. Associate, Fellow, and Institutional membership also increased during the year.
| Membership Category | 31 March 2026 | 31 March 2025 |
|---|---|---|
| Ordinary Members | 11,60,205 | 11,13,715 |
| Associate Members | 557 | 552 |
| Fellow Members | 367 | 355 |
| Institutional Members | 753 | 687 |
What was the financial performance of IIBF in FY 2025-26?
IIBF recorded an improvement in its financial performance during FY 2025-26. Revenue and other income increased from ₹15,710.64 lakh in FY 2024-25 to ₹17,566.82 lakh in FY 2025-26.
The excess of income over expenditure before tax increased to ₹9,820.44 lakh, while the excess of income over expenditure after tax stood at ₹9,060.42 lakh. Total comprehensive income increased to ₹9,120.77 lakh.
| Particulars | FY 2025-26 | FY 2024-25 |
|---|---|---|
| Revenue and Other Income | ₹17,566.82 lakh | ₹15,710.64 lakh |
| Expenses | ₹7,746.38 lakh | ₹7,240.04 lakh |
| Surplus Before Tax | ₹9,820.44 lakh | ₹8,470.60 lakh |
| Tax Expenses | ₹760.02 lakh | ₹1,284.03 lakh |
| Excess of Income Over Expenditure | ₹9,060.42 lakh | ₹7,186.57 lakh |
| Other Comprehensive Income | ₹60.35 lakh | -₹28.16 lakh |
| Total Comprehensive Income | ₹9,120.77 lakh | ₹7,158.41 lakh |
The three-year financial trend also shows growth in income, expenses, and gross surplus.
How many candidates enrolled for JAIIB and CAIIB in 2025-26?
JAIIB and CAIIB continued to be the two major flagship examinations of IIBF. During FY 2025-26, the combined enrolment for the flagship courses JAIIB, CAIIB and Diploma in Banking & Finance stood at 2,87,272 candidates.
JAIIB recorded 1,77,891 enrolments, while CAIIB recorded 1,06,115 enrolments. Compared with FY 2024-25, enrolments increased in both JAIIB and CAIIB.
| Examination | 2025-26 Enrolled | 2024-25 Enrolled |
|---|---|---|
| JAIIB | 1,77,891 | 1,67,177 |
| CAIIB | 1,06,115 | 89,179 |
| Diploma in Banking & Finance | 3,266 | 3,639 |
| Total | 2,87,272 | 2,59,995 |
The report notes that flagship examination enrolments increased by 10% during the year.
What is the JAIIB passing rate in 2025-26?
According to the IIBF Annual Report 2025-26, 1,77,891 candidates enrolled for JAIIB, of whom 1,34,263 appeared for the examination. A total of 20,987 candidates passed, resulting in an overall JAIIB pass percentage of 15.63%. The JAIIB pass rate increased from 14.70% in FY 2024-25 to 15.63% in FY 2025-26.
| JAIIB Particular | 2025-26 | 2024-25 |
|---|---|---|
| Enrolled | 1,77,891 | 1,67,177 |
| Appeared | 1,34,263 | 1,25,464 |
| Passed | 20,987 | 18,437 |
| Pass Percentage | 15.63% | 14.70% |
Therefore, the JAIIB passing rate for FY 2025-26 was 15.63%, based on the candidates who appeared for the examination.
What is the CAIIB passing rate in 2025-26?
The CAIIB examination recorded 1,06,115 enrolments during FY 2025-26. Out of these, 78,907 candidates appeared, while 11,070 candidates passed. The overall CAIIB pass percentage stood at 14.03%. The CAIIB pass percentage declined from 20.77% in FY 2024-25 to 14.03% in FY 2025-26, according to the annual report.
| CAIIB Particular | 2025-26 | 2024-25 |
|---|---|---|
| Enrolled | 1,06,115 | 89,179 |
| Appeared | 78,907 | 67,169 |
| Passed | 11,070 | 13,953 |
| Pass Percentage | 14.03% | 20.77% |
The report therefore shows a major increase in CAIIB enrolments but a lower overall pass percentage compared with the previous financial year.
What was the overall passing rate of the flagship IIBF examinations?
The three flagship examinations covered in the annual report were JAIIB, CAIIB, and Diploma in Banking & Finance.
A total of 2,87,272 candidates enrolled, 2,15,746 appeared, and 32,452 candidates passed these examinations during FY 2025-26.
| Exam | Enrolled | Appeared | Passed | Pass % |
|---|---|---|---|---|
| JAIIB | 1,77,891 | 1,34,263 | 20,987 | 15.63% |
| CAIIB | 1,06,115 | 78,907 | 11,070 | 14.03% |
| DB&F | 3,266 | 2,576 | 395 | 15.33% |
| Total | 2,87,272 | 2,15,746 | 32,452 | — |
The figures show that JAIIB had the highest pass percentage among the three flagship examinations in FY 2025-26, at 15.63%, followed by DB&F at 15.33% and CAIIB at 14.03%.
How did JAIIB and CAIIB enrolments change from 2024-25 to 2025-26?
Both JAIIB and CAIIB enrolments increased in FY 2025-26. JAIIB enrolments increased from 1,67,177 to 1,77,891, while CAIIB enrolments increased from 89,179 to 1,06,115. This means CAIIB recorded a particularly strong rise in enrolments during the year.
| Examination | Enrolment Change |
|---|---|
| JAIIB | 1,67,177 → 1,77,891 |
| CAIIB | 89,179 → 1,06,115 |
| DB&F | 3,639 → 3,266 |
| Flagship Total | 2,59,995 → 2,87,272 |
The annual report states that the overall flagship examination enrolments increased by around 10%.
What are the most preferred CAIIB elective subjects?
The Human Resources Management (HRM) elective was the most preferred CAIIB elective subject during 2025-26. Around 64% of candidates selected HRM, followed by Information Technology & Digital Banking.
| Subject | Total Candidates | Percentage |
| Human Resources Management | 49,519 | 63.80% |
| Rural Banking | 10,674 | 13.75% |
| IT & Digital Banking | 12,317 | 15.87% |
| Central Banking | 2,760 | 3.56% |
| Risk Management | 2,345 | 3.02% |
What are the different types of courses offered by IIBF?
IIBF continued to offer a wide range of professional education and training programmes, including flagship courses, diploma programmes, specialised certifications, regulatory training, e-learning certifications, and customised programmes for banks and financial institutions.
During FY 2025-26, the institute focused on practical learning, regulatory changes, technology-based education, and improving its courses to meet the changing needs of the banking and financial sector.
| Category | Course List |
| Flagship Courses | – JAIIB (Junior Associate of IIB) – CAIIB (Certified Associate of IIB) – Diploma in Banking & Finance |
| Diplomas | – Diploma in Treasury, Investment & Risk Management – Diploma in International Banking |
| Certificates | – AML/KYC – International Trade Finance – MSME – Micro Finance – NBFCs – Small Finance Banks – Urban Cooperative Banking – Foreign Exchange Facilities for Individuals – Strategic Management & Innovation in Banking – Insolvency & Bankruptcy Code – Certified Information Systems Banker – IT Security – Emerging Technologies – Prevention of Cyber Crime – Certified BFSI Professional – Business Correspondents/Facilitators – Debt Recovery Agents |
| Self-Paced E-Learning | – Digital Banking – Ethics in Banking – Climate Risk & Sustainable Finance – Project Finance |
| Capacity Building Courses (Mandated by RBI) | – Certified Treasury Professional – Certified Credit Professional – Risk in Financial Services – Certified Accounting & Audit Professional – Foreign Exchange Operations (FEDAI) |
| Management Programs | – MBA (IGNOU) – Advanced Management Programme (with IIM Calcutta) |
| Blended Courses | – Certified Banking Compliance Professional – Certified Wealth Management Professional |
| Courses Under Development | – Certificate in Customer Service – Certificate in Operational Risk Management – Certificate in Digital Banking & Cyber Security |
How do these courses help banking and finance professionals?
These courses help banking professionals enhance their knowledge. The details are as follows:
- Career Advancement: JAIIB and CAIIB help employees get promotions and salary increments in banks.
- Specialization: Diplomas and certifications provide focused knowledge in areas like treasury, risk management, IT security, and trade finance.
- Compliance & Regulation: RBI-mandated capacity-building courses ensure bankers meet regulatory and operational standards.
- Global Relevance: Courses on digital banking, cyber security, and wealth management keep professionals updated with global trends.
- Flexible Learning: Self-paced e-learning allows professionals to learn anytime, anywhere.
| Syllabus | Syllabus |
| JAIIB Paper Wise Syllabus | CAIIB Paper Wise Syllabus |
What are the major e-learning initiatives of IIBF?
IIBF continued to expand its digital learning facilities during FY 2025-26. The institute provides e-learning support for various examinations and subjects and has also deployed courses through the Learning Management Systems of different banks under corporate licensing agreements.
The annual report lists Union Bank of India, Bank of India, Punjab & Sind Bank, Infosys, AU Small Finance Bank, Central Bank of India and Karur Vysya Bank among organisations that have taken IIBF e-learning courses.
IIBF also received approval from the Ministry of Education to offer selected certifications through the SWAYAM Plus portal, including Climate Risk & Sustainable Finance and Retail Banking.
What is IIBF’s One Bank One Course initiative?
The One Bank One Course approach allows IIBF to develop customised learning and certification programmes according to the specific requirements of participating banks.
For example, IIBF entered into an MoU with Karur Vysya Bank for customised joint certification in eight areas:
- Credit Management – Basic & Advanced
- Risk Management – Basic & Advanced
- Compliance – Basic & Advanced
- Cyber Security – Basic & Advanced
The learning was delivered through e-learning, while examinations were conducted through remote proctoring. Successful candidates received joint certification from KVB and IIBF.
How did IIBF’s training activities perform in 2025-26?
Training remained an important part of IIBF’s activities during FY 2025-26. The institute operates a Leadership Development Centre in Mumbai and seven Professional Development Centres in Delhi, Mumbai, Kolkata, Chennai, Guwahati, Lucknow and Bengaluru. During the year, IIBF conducted 430 training programmes with 19,325 participants.
| Programme Type | Programmes | Participants |
|---|---|---|
| Open Programmes | 191 | 4,554 |
| Customised Programmes | 199 | 11,262 |
| Blended/Capacity Building | 36 | 3,330 |
| Advanced Management Programme | 3 | 150 |
| Leadership Development Programme | 1 | 29 |
| Total | 430 | 19,325 |
The institute also conducted 168 programmes in physical mode, covering 4,909 participants.
How many digital certificates were issued by IIBF?
IIBF issues digitally signed e-certificates to candidates who successfully complete its courses or examinations, as well as to those who request duplicate certificates. As of 31st March 2026, IIBF had issued 16,28,754 digitally signed e-certificates to candidates.
What new Professional Development Centres were added by IIBF?
IIBF expanded its professional development network during FY 2025-26.
- The PDC Guwahati was inaugurated on 6th June 2025 to cater to the training and capacity-building needs of bankers and finance professionals in the North-Eastern region.
- The PDC Lucknow was inaugurated on 23rd January 2026. These centres are intended to strengthen professional competence and provide industry-relevant training.
What were the major specialised certificate examination results?
IIBF also conducted advanced and specialised certificate examinations during FY 2025-26. A total of 2,519 candidates cleared the listed Advanced/Specialised Certificate Examinations during the year, while 27,404 candidates had been certified cumulatively up to 31st March 2026.
| Certificate | Passed in 2025-26 | Certified up to 31 March 2026 |
|---|---|---|
| Certified Banking Compliance Professional | 147 | 1,316 |
| Certified Credit Professional | 1,262 | 14,860 |
| Certified Treasury Professional | 579 | 4,829 |
| Certificate in Risk in Financial Services – Level 1 | 417 | 4,126 |
| Certified Accounting & Audit Professional | 114 | 1,120 |
| Total | 2,519 | 27,404 |
Check: The last date for the CAIIB 2026 registration process is 21st September 2026.
How did the Debt Recovery Agent examination perform?
The IIBF Annual Report also provides details of the Debt Recovery Agent (DRA) certification programme. During FY 2025-26, around 3,452 training batches were conducted and approximately 96,088 candidates were successfully trained. A total of 1,36,743 candidates applied for the DRA examination, of whom 1,15,630 appeared and 54,166 passed.
The DRA programme is conducted under the regulatory framework applicable to recovery agents. Candidates are required to complete prescribed training before appearing for the examination. IIBF continued to expand access through 34 accredited training institutions across India, with training available in 11 languages.
What international collaborations does IIBF have?
IIBF continued to work with international organisations and professional bodies to provide global exposure to banking and finance professionals.
| Institution | Area of Collaboration |
|---|---|
| GARP, USA | Financial Risk & Regulations |
| CISI, London | Risk Management |
| IFC | Climate Risk & Sustainable Finance |
| FPSB | Certified Financial Planner |
| UNEP FI / PRB Academy | Training and Workshops on Sustainable Banking |
IIBF also has a collaboration with FPSB India for the Certified Financial Planner programme. CAIIB-qualified members are eligible for the Fasttrack programme, which provides exemptions from three specialist courses and allows eligible candidates to proceed to the final stage of the programme.
IIBF also has a Mutual Recognition Agreement with the Chartered Banker Institute, Edinburgh, under which JAIIB and CAIIB qualified candidates can have their qualifications recognised through a Professional Conversion Programme.
What are the major national collaborations of IIBF?
IIBF also continued its collaborations with leading Indian institutions.
| Institution | Programme/Area |
|---|---|
| IIM Calcutta | Advanced Management Programme |
| SIDBI | MSME |
| IBBI | Insolvency and Bankruptcy Code |
| FEDAI | Foreign Exchange Operations |
| FIMMDA | DTIRM |
| IGNOU | CAIIB-linked MBA |
| NISM & NIA | Certified BFSI Professional |
| XLRI Jamshedpur | Leadership Development Programme |
IIBF renewed its collaboration with IGNOU for another five years for the CAIIB-linked MBA in Banking & Finance. The programme was also made available to bankers and non-bankers, with credit transfer/exemption arrangements for eligible JAIIB and CAIIB qualified candidates.
What were the major leadership and professional development initiatives?
IIBF continued to promote leadership development through programmes with leading management institutes. The Leadership Development Programme with XLRI is designed for Branch Managers and Relationship Managers and focuses on areas such as business environment, strategy, leadership, customer-centricity, communication, negotiation, conflict resolution, decision-making, ethics and morality.
The programme has a duration of 36 hours, with virtual sessions conducted on Saturdays and Sundays. Successful participants receive joint certification from IIBF and XLRI. Since its launch in July 2021, nine batches involving 241 middle and senior-level executives had been conducted.
IIBF also conducted virtual contact classes for JAIIB and CAIIB candidates during FY 2025-26, which were attended by 2,208 participants.
| Memory Based Question Bank | Download Free PDF |
| JAIIB Memory Based Paper | Download Link |
| CAIIB Memory Based Paper | Download Link |
What digital and technology developments were introduced by IIBF?
IIBF continued its technology upgrade through the deployment of the Candidate Life Cycle Management System 2.0. The major systems implemented during FY 2025-26 included:
- New IIBF website
- Membership system
- Examination system
- Training system
- E-learning registration system
The annual report states that these systems are expected to make services more seamless for members and improve operational efficiency.
How is IIBF improving its examination system?
IIBF continued conducting JAIIB, CAIIB, DB&F, diploma, certificate, self-paced, remote-proctored and customised examinations through online modes. The institute states that its examination framework is designed to support large-scale participation while maintaining standardised delivery, wider reach and flexibility for candidates.
The examinations are based on the MCQ model, with questions designed to test foundational knowledge, analytical ability and conceptual understanding. IIBF also provides mock tests to its members.
What are the major takeaways from the IIBF Annual Report 2025-26?
The IIBF Annual Report 2025-26 shows growth in membership, flagship examination enrolments, income, training activities and digital initiatives.
| Particular | FY 2025-26 Highlight |
|---|---|
| Ordinary Members | 11,60,205 |
| New Ordinary Members | 46,490 |
| Flagship Enrolments | 2,87,272 |
| JAIIB Enrolments | 1,77,891 |
| JAIIB Appeared | 1,34,263 |
| JAIIB Passed | 20,987 |
| JAIIB Pass Rate | 15.63% |
| CAIIB Enrolments | 1,06,115 |
| CAIIB Appeared | 78,907 |
| CAIIB Passed | 11,070 |
| CAIIB Pass Rate | 14.03% |
| DB&F Pass Rate | 15.33% |
| Revenue & Other Income | ₹17,566.82 lakh |
| Excess of Income Over Expenditure | ₹9,060.42 lakh |
| Training Programmes | 430 |
| Training Participants | 19,325 |
| Advanced/Specialised Certificates Passed | 2,519 |
| Cumulative Advanced/Specialised Certifications | 27,404 |
| DRA Candidates Passed | 54,166 |
What is the JAIIB vs CAIIB passing rate in 2025-26?
The JAIIB and CAIIB data in the annual report provides a clear comparison of enrolments, appearances and results.
| Parameter | JAIIB | CAIIB |
|---|---|---|
| Enrolled | 1,77,891 | 1,06,115 |
| Appeared | 1,34,263 | 78,907 |
| Passed | 20,987 | 11,070 |
| Pass Percentage | 15.63% | 14.03% |
Based on the annual report, JAIIB recorded a higher pass percentage than CAIIB in FY 2025-26. JAIIB had a pass rate of 15.63%, while CAIIB recorded 14.03%.
What does the IIBF Annual Report 2025-26 indicate for JAIIB and CAIIB candidates?
The annual report shows that interest in both JAIIB and CAIIB continued to remain strong, as enrolments increased for both examinations. However, the passing rates remained relatively low, with JAIIB at 15.63% and CAIIB at 14.03%.
For candidates preparing for these examinations, the figures highlight the importance of systematic preparation, understanding the syllabus, practising MCQs, solving mock tests and improving conceptual clarity. IIBF itself states that its examination questions are designed to assess foundational, analytical and conceptual understanding.
Download IIBF Annual Report 2025-26 PDF
Candidates and banking professionals can refer to the IIBF Annual Report 2025-26 for detailed information about the institute’s financial performance, membership, academic activities, training, examinations, collaborations, corporate development, governance, and audited financial statements. The report also provides key updates and statistics on major programmes such as JAIIB and CAIIB during FY 2025-26.
FAQs
The JAIIB pass percentage was 15.63%, with 20,987 candidates passing out of 1,34,263 who appeared.
The CAIIB pass percentage was 14.03%, with 11,070 candidates passing out of 78,907 who appeared.
A total of 1,77,891 candidates enrolled for JAIIB during FY 2025-26.
A total of 1,06,115 candidates enrolled for CAIIB during FY 2025-26.
In FY 2025-26, JAIIB had a higher pass percentage of 15.63% compared with 14.03% for CAIIB.
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