The IIBF Certified Credit Professional (CCP) exam is a well-recognized certification offered by the Indian Institute of Banking and Finance (IIBF). It is designed for banking and finance professionals who want to improve their knowledge in credit management. To do well in the exam, it is important to understand the latest IIBF CCP Syllabus, which includes updated topics and exam patterns. In this blog, we have provided the syllabus, including all the major subjects such as credit risk management, financial statement analysis, working capital assessment, and key regulatory guidelines.
What is the IIBF CCP syllabus?
The IIBF Certified Credit Professional (CCP) syllabus covers the complete credit management process, from understanding lending principles and assessing borrowers to monitoring loans and managing stressed assets. The syllabus is divided into 5 modules Module A to Module E. It focuses on practical areas such as credit appraisal, financial statement analysis, working capital, export finance, priority sector lending, documentation, NPA management and recovery.
| Module | Major topics covered |
|---|
| Module A – Introduction & Overview of Credit | Principles of lending, model credit policy, types of borrowers, credit facilities, credit delivery, credit appraisal, credit risk and credit rating |
| Module B – Analysis of Financial Statements | Balance sheet, Profit & Loss Account, ratio analysis, fund flow, cash flow, project appraisal, capital budgeting, NPV, IRR and break-even analysis |
| Module C – Working Capital Management | Working capital assessment, operating cycle, turnover method, MPBF method, cash budget, CMA data, Letters of Credit, bank guarantees and co-acceptance facilities |
| Module D – Other Credits | Export finance, pre-shipment and post-shipment finance, priority sector lending, government-sponsored schemes, MSME and agriculture finance, retail loans and CERSAI |
| Module E – Monitoring, Supervision & Management of Impaired Assets | Documentation, charges, credit monitoring, NPA management, asset classification, provisioning, restructuring, wilful defaulters, SARFAESI, DRT, Lok Adalat, compromise and write-off |
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What is the IIBF CCP registration schedule for the September 2026 exam?
IIBF has released the Certified Credit Professional examination schedule for the November and December 2026 cycles. Candidates can choose the applicable examination date and complete their registration within the specified window. The November exams will be conducted on the 2nd and 4th Saturdays, followed by the December exams on the 2nd and 4th Saturdays. Candidates should check the registration dates carefully and complete the application process on time.
| Exam date | Day | Registration start date | Registration end date |
|---|
| 14th November 2026 | 2nd Saturday | 4th November 2026 | 8th November 2026 |
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| 28th November 2026 | 4th Saturday | 18th November 2026 | 22nd November 2026 |
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| 12th December 2026 | 2nd Saturday | 2nd December 2026 | 6th December 2026 |
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| 26th December 2026 | 4th Saturday | 16th December 2026 | 20th December 2026 |
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Also Check: IIBF CCP Online Application Process
What are the topics covered under the IIBF CCP Module A syllabus?
The IIBF CCP Introduction & Overview of Credit module covers the basic principles of lending, different types of borrowers, credit facilities and credit delivery methods. It also explains how banks assess credit proposals, identify credit risks and evaluate the creditworthiness of borrowers. Candidates should understand the role of collateral, repayment sources, cash flow and the Six Cs of Credit in the appraisal process. The module also covers internal and external credit rating systems used to measure lending risk.
| Topics | Syllabus details |
|---|
| Principles of lending | - Safety, liquidity, and profitability - Purpose of loan - Diversification of risk |
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| Model credit policy | - Importance and contents of credit policy - Exposure norms - Model MSE policy |
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| Types of borrowers | - Individuals: major, minor, married women, Pardanashin women, illiterate persons, agents, attorneys, and joint borrowers - Hindu Undivided Family (HUF) - Proprietorship and partnership firms - Limited Liability Partnerships (LLPs) - Limited companies, statutory companies, holding companies, government companies, private and public limited companies - Registration of charges |
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| Types of credit facilities | - Cash credit and overdrafts - Demand loans - Bills finance - Drawee bill scheme - Bills discounting |
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| Credit delivery | - Types of credit facilities and modes of delivery - Sole banking and multiple banking arrangements - Consortium lending and syndication - Credit thrust, priorities, and acquisitions - Statutory and regulatory restrictions on advances |
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| Credit appraisal | - Validation of credit proposals - Dimensions of credit appraisal - Six Cs of credit - Structuring of loan documents - Credit risk and creditworthiness of borrowers - Credit risk rating - Purpose of loan and source of repayment - Cash flow and collateral |
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| Credit rating | - Measurement of risk and objectives of rating - Internal and external credit ratings - Model credit rating - Rating methodology - Comparison of internal and external ratings - Model rating formats |
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What are the topics covered under the IIBF CCP Module B syllabus?
The IIBF CCP Analysis of Financial Statements module focuses on understanding the financial position and performance of a borrower. It covers the analysis of the Balance Sheet, Profit & Loss Account, financial ratios, fund flow and cash flow statements.
| Topics | Syllabus details |
|---|
| Balance sheet analysis | - Definition and importance of the balance sheet for bankers - Classification of assets and liabilities - Current, fixed, and non-current assets - Intangible and fictitious assets - Current and medium- and long-term liabilities - Capital and reserves - Classification of current assets and current liabilities |
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| Profit and loss account | - Analysis of the profit and loss account - Auditor's notes |
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| Ratio analysis | - Classification of financial ratios - Liquidity, leverage, activity, and profitability ratios - Other important financial ratios - Interpretation and uses of financial ratios |
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| Fund flow and cash flow statements | - Fund flow statement preparation and analysis - Techniques for preparing fund flow and cash flow statements - Practical illustrations |
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| Project and term loan appraisal | - Technical appraisal - Commercial and market appraisal - Managerial appraisal - Financial, economic, and environmental appraisal |
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| Project cost and profitability | - Project cost and means of finance - Cost of production and profitability - Sensitivity analysis - Break-even analysis |
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| Capital budgeting | - Payback period method - Time value of money - Net Present Value (NPV) - Internal Rate of Return (IRR) - Life of the project |
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What are the topics covered under the IIBF CCP Module C syllabus?
The IIBF CCP Working Capital Management module explains how banks assess the short-term financial needs of businesses. It covers gross and net working capital, working capital gaps, operating cycles and different methods of working capital assessment. Candidates should also understand Turnover Method, MPBF Method, Cash Budget System and CMA Data Analysis. The module also covers non-fund-based credit facilities such as Letters of Credit, Bank Guarantees and Co-acceptance Facilities.
| Topics | Syllabus details |
|---|
| Working capital concepts | - Concept of working capital - Gross and net working capital - Working capital gap - Components and sources of working capital - Operating and working capital cycles - Computation of storage and retention periods |
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| Working capital assessment | - Various methods of working capital assessment - Turnover method - Maximum Permissible Bank Finance (MPBF) method - Cash budget system - Practical illustrations - Impact of inadequate working capital |
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| Working capital finance and analysis | - Working capital finance for the IT and software industry - Loan delivery system - Cash flow analysis - Commercial paper - Credit delivery - Analysis of Credit Monitoring Arrangement (CMA) data |
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| Quasi-credit facilities and non-fund-based facilities | - Advantages of non-fund-based facilities - Different types of non-fund-based facilities - Types of Letters of Credit (LCs) - Assessment of LC limits - Bills purchased or discounted under LCs |
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| Bank guarantees | - Performance guarantees - Financial guarantees - Deferred payment guarantees - Types of performance and financial guarantees - Assessment of bank guarantee limits - Claim period under guarantees |
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| Co-acceptance facilities | - RBI guidelines on co-acceptance - Co-acceptance of bills covering the supply of goods and machinery |
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What are the topics covered under the IIBF CCP Module D syllabus?
The IIBF CCP Other Credits module covers export finance, priority sector lending, government-sponsored schemes and retail credit. Export finance includes pre-shipment and post-shipment facilities, export bills, foreign currency finance and ECGC-related schemes.
| Topics | Syllabus details |
|---|
| Export finance: pre-shipment finance | - Export Packing Credit in rupees - Running account facility - Pre-shipment credit to specific sectors, including sub-suppliers and construction contractors - Export credit to processors and exporters in Agri Export Zones - Export credit insurance and Whole Turnover Packing Credit - Pre-shipment Credit in Foreign Currency (PCFC) - Running account facility in all currencies - Deemed exports - Diamond Dollar Account Scheme |
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| Export finance: post-shipment finance | - Post-shipment rupee export finance - Purchase, discount, and negotiation of export bills - Export on consignment basis - Advances against Duty Drawback entitlements - ECGC Whole Turnover Post-Shipment Guarantee Scheme - Interest rates on rupee export credit - Export Credit Not Otherwise Specified (ECNOS) - Interest rate subvention on rupee export credit - Post-shipment finance in foreign currency - Gold Card Scheme for exporters - Crystallisation of export bills |
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| Priority sector lending | - Different categories of priority sector borrowers - Direct and indirect agricultural finance - Direct and indirect MSME finance - Microcredit - Priority sector lending targets |
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| Government-sponsored schemes | - Swarnajayanti Gram Swarozgar Yojana (SGSY) - Swarna Jayanti Shahari Rozgar Yojana (SJSRY) - Self-Employment Scheme for Rehabilitation of Manual Scavengers (SRMS) - Education loans - Housing finance - Finance for weaker sections - Export credit - Differential Rate of Interest (DRI) Scheme |
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| Retail loans | - Characteristics and advantages of retail loans - Retail banking versus corporate banking - Different retail banking products - Home loans and vehicle loans - Personal loans and pensioner loan schemes - Property loans and holiday loan schemes - Gold loans and education loans |
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| CERSAI | - Guidelines on Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI) registration |
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What are the topics covered under the IIBF CCP Module E syllabus?
The IIBF CCP Monitoring, Supervision & Follow-up and Management of Impaired Assets module focuses on managing credit after the loan is sanctioned. It covers documentation, different types of charges, credit monitoring, supervision and follow-up.
| Topics | Syllabus details |
|---|
| Documentation | - Meaning and importance of documentation - Types of documents and requisites of documentation - Selection of documents - Stamping of documents, mode and time of stamping - Remedies for unstamped or under-stamped documents - Documents requiring compulsory registration - Time limit and consequences of non-registration - Execution of documents and modes of execution by different executants - Period of limitation and law of limitation applicable to guarantors - Extension of the limitation period - Enforcement of documents - Death of borrower or guarantor |
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| Types of charges and securities | - Purpose and different types of charges - Types of security and modes of creating charges - Lien and negative lien - Right of set-off - Assignment - Pledge and rights of a banker as pledgee - Duties of a pledgee - Hypothecation - Mortgage and its different types - Difference between simple mortgage and equitable mortgage |
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| Credit monitoring, supervision and follow-up | - Meaning and objectives of credit monitoring - Monitoring process and different monitoring tools - Credit monitoring checklist - Monitoring through various statements - QIS formats and guidelines - Supervision and follow-up of credit facilities |
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| Introduction to impaired assets and NPAs | - Introduction to the management of impaired assets - Role of credit monitoring in NPA prevention - Why and how accounts become Non-Performing Assets (NPAs) - NPA management policy - Definition of a sick unit - Meaning and classification of NPAs |
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| Income recognition and asset classification | - Income Recognition Policy - Asset classification guidelines - Classification of standard, substandard, doubtful, and loss assets, as applicable under regulatory norms - Guidelines for projects under implementation - Project loans in infrastructure and non-infrastructure sectors - Projects in the commercial real estate sector - Income recognition rules - Take-out finance |
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| Provisioning norms and stressed assets | - Provisioning norms for NPAs - Provisioning Coverage Ratio (PCR) - Options available to banks for managing stressed assets - Prudential guidelines on restructuring - Eligibility criteria for restructuring |
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| Restructuring of advances | - Asset classification norms for restructured assets - Mahapatra Committee recommendations - Revised prudential guidelines on restructuring of advances - General provisions on restructured standard accounts - Upgradation of restructured accounts - Rehabilitation of stressed borrowers - Viability period and viability parameters - Incentives for quick implementation of restructuring packages |
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| Corporate Debt Restructuring (CDR) | - Corporate Debt Restructuring mechanism - CDR structure and operations - RBI frameworks for managing distressed assets |
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| Wilful defaulters and recovery measures | - Meaning and identification of wilful defaulters - Penal measures against wilful defaulters - Compromise settlements - Legal action for recovery of dues |
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| Civil litigation and recovery proceedings | - Civil litigation in loan recovery - Precautions before and after filing a case - Types of decrees - Modes of execution of decrees - Lok Adalats - Debt Recovery Tribunal (DRT) - Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act - Write-off of loans and advances |
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| Fair practices | - Applicability of fair practices guidelines - Practices to be followed by lenders - Loan processing and assessment - Disbursement of loans - Loan administration - Recall and repayment of loans - Grievance redressal mechanisms |
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IIBF CCP Syllabus 2026 PDF Download
Download the IIBF CCP Syllabus 2026 PDF to get the latest exam pattern, module-wise topics, and study guidelines. Stay updated with IIBF Certified Credit Professional (CCP) syllabus and prepare effectively for the exam. Access the official IIBF CCP syllabus PDF for structured learning and better exam success.
Download IIBF CCP Syllabus PDF
What is the IIBF CCP online exam pattern 2026?
The IIBF CCP exam consists of 100 objective-type multiple-choice questions, including situation analysis and problem-based questions, for a total of 100 marks. The exam is conducted online, lasts for 2 hours, and does not have any negative marking for incorrect answers.
| Aspect | Details |
|---|
| Type of Questions | 100 objective-type multiple choice questions, including situation analysis/problem-based questions |
| Total Marks | 100 marks |
| Mode of Exam | Online only |
| Negative Marking | No negative marking for wrong answers |
| Exam Duration | 2 hours |
Certified Credit Professional Passing Criteria
To successfully complete the Certified Credit Professional (CCP) course offered by the Indian Institute of Banking & Finance (IIBF), candidates must meet the minimum qualifying marks in both the online examination and the classroom training component. Below are the passing criteria details:
| Component | Maximum Marks | Minimum Marks Required to Pass |
|---|
| Online Examination | 100 | 50 |
| Classroom Training | 50 | 25 |
System Requirements for IIBF Remote Proctored Exam
To appear for the IIBF Certified Credit Professional Exam 2026 in remote proctored mode, candidates must ensure that their system meets the specified technical requirements. These system specifications are essential to maintain the integrity of the exam process and to avoid any technical disruptions during the examination.
| Category | Requirement |
|---|
| Device | Desktop or Laptop only (Mobile phones and tablets are not allowed) |
| Operating System | Windows 10 or Windows 11 (64-bit only) |
| Browser | Google Chrome version 120 & above with cookies and pop-ups enabled |
| RAM | Minimum 8 GB |
| Processor | Intel i3 8th Generation (2.2 GHz) or higher |
| Webcam | Required (good HD quality camera) |
| Microphone | Functional and good quality microphone is mandatory |
| Speakers | Working speakers required |
| Pop-up Blocker | Must be disabled |
| Internet Connection | Stable high-speed broadband with at least 10 Mbps upload speed |
Also Check: IIBF CCP Eligibility Criteria
What are the CCP online examination guidelines?
The Certificate Examination conducted by Indian Institute of Banking and Finance is held in a fully online, remote proctored mode. Candidates must carefully follow all instructions before, during, and after the exam to ensure a fair and smooth process. The guidelines include exam day rules, system requirements, and result-related details.
| Section | Details |
|---|
| Mode of Exam | Conducted in remote proctored mode on a predetermined date and time. Candidates must appear from a secure environment. |
| Login Time | Candidates must log in at least 30 minutes before the scheduled exam time. |
| Identity Verification | Proctor verifies candidate's face with registered photo. Candidate must present a valid original photo ID, such as: – Aadhaar / e-Aadhaar – Employer's ID Card – PAN Card – Driving License – Election Voter ID – Passport |
| Exam Environment Check | Candidate may be asked to show a 360° view of the room using the webcam. Desk/table must be clear with no reference materials or gadgets. |
| Prohibited Items | - Books, notes, chits - Mathematical tables, slide rules, stencils - Mobile phones, headsets (wired/wireless) - Any other electronic devices |
| Rough Sheet Use | If used, both sides of the rough sheet must be shown to the proctor before and after the exam. |
| Live Monitoring | The entire exam is live monitored via webcam and microphone. Computer screen, browser, keyboard, and mouse activity are also monitored. |
| Communication During Exam | The proctor may communicate with the candidate through a chat box for instructions or warnings. |
| Unfair Practices | Any suspicious activity or malpractice will result in immediate warning or termination of the exam. Action will depend on the severity. |
| Exam Submission | Upon completion, a provisional scorecard will be displayed on the screen immediately. |
