JAIIB and CAIIB Revised Syllabus, Module-wise Topic Details

The Indian Institute of Banking and Finance conducts the JAIIB and CAIIB exams twice a year. The first cycle of the exam is held in May–June, and the second cycle is held in November–December.

The JAIIB exam consists of four compulsory papers, while the CAIIB exam includes five papers, of which four are compulsory and one is elective. In this blog, we have provided the details of the JAIIB and CAIIB exam pattern, followed by the complete syllabus and module-wise syllabus breakdown for both exams.

What is the JAIIB and CAIIB exam syllabus?

The JAIIB syllabus consists of four compulsory papers, each divided into four modules covering the Indian economy, banking principles, accounting, and retail banking. The CAIIB syllabus includes four compulsory papers and one elective, focusing on advanced banking concepts such as risk management, treasury, regulations, and business strategy. Both exams are designed by IIBF to enhance the professional knowledge of banking employees.

JAIIB syllabus

The details of the JAIIB syllabus are as follows:

Papers	Modules Covered
Indian Economy & Indian Financial System	Module A: Indian Economic Architecture Module B: Economic Concepts Related to Banking Module C: Indian Financial Architecture Module D: Financial Products and Services
Principles & Practices of Banking	Module A: General Banking Operations Module B: Functions of Banks Module C: Banking Technology Module D: Ethics in Banks and Financial Institutions
Accounting & Financial Management for Bankers	Module A: Accounting Principles and Processes Module B: Financial Statements and Core Banking Systems Module C: Financial Management Module D: Taxation and Fundamentals of Costing
Retail Banking & Wealth Management	Module A: Introduction to Retail Banking Module B: Retail Products and Recovery Module C: Support Services – Marketing of Banking Services/Products Module D: Wealth Management

CAIIB compulsory paper syllabus

The details of the CAIIB compulsory paper syllabus are as follows:

Papers	Key Focus Areas
Advanced Bank Management (ABM)	Economic Analysis, Business Mathematics, Human Resource Management, Credit Management
Bank Financial Management (BFM)	International Banking, Risk Management, Treasury Management, Balance Sheet Management
Advanced Business & Financial Management (ABFM)	Business Strategy, Leadership and Ethics, Financial Management, Valuation & Mergers
Banking Regulations & Business Laws (BRBL)	Regulations & Compliance, Important Acts, Commercial Laws, Business Laws & Regulations for Banking

CAIIB elective papers syllabus

The details of the CAIIB elective paper syllabus are as follows:

Elective Paper	Modules
Rural Banking	Module A: Rural India Module B: Financing Rural Development Module C: Priority Sector Financing & Government Initiatives Module D: Problems & Prospects in Rural Banking
Human Resource Management (HRM)	Module A: Human Resource Management Module B: Building an HR Strategy Module C: Motivation, Training & Skill Development Module D: Personnel Management & Industrial Relations Module E: Emerging Scenario in HRM
IT & Digital Banking	Module A: Introduction to Information Technology Module B: Systems and Design Module C: Banking Technology Applications & Digital Banking Module D: Information System Security Controls & Audit
Risk Management	Module A: Risk & Risk Management Framework Module B: Credit Risk Module C: Market Risk Module D: Operational Risk Module E: Basel & RBI Guidelines Module F: Derivatives & Risk Management
Central Banking	Module A: Rationale & Functions of Central Bank Module B: Central Banking in India Module C: Monetary & Credit Policies Module D: Forex Reserves & Indian Financial Market Module E: Regulation, Supervision & Financial Stability Module F: NBFCs and Primary Dealers

Why IIBF conducts JAIIB and CAIIB exam?

IIBF conducts the JAIIB and CAIIB exams to enhance the professional competence of banking employees and ensure they stay updated with the evolving financial ecosystem. JAIIB helps bankers build a strong foundation in essential banking operations, customer service, financial products, and regulatory frameworks, while CAIIB equips them with advanced knowledge in risk, treasury, credit, compliance, and strategic management. Together, these exams promote better decision-making, improve service quality, and support career progression across the banking industry.

Who can appear for the JAIIB And CAIIB exam?

Both JAIIB and CAIIB exams are conducted exclusively for banking and financial sector employees who are ordinary members of IIBF. Candidates can appear for the JAIIB exam if they work in a bank or financial institution that is a member of IIBF and have completed the 12th standard (with exceptions allowed through employer recommendations). The CAIIB exam is for those who have already passed JAIIB, hold active IIBF membership, and are employed in the banking/finance sector, with no age limit or minimum experience required.

What is the exam pattern for JAIIB and CAIIB exam?

The JAIIB and CAIIB exams follow an online objective-type pattern, where each paper consists of 100 questions for 100 marks with a duration of 2 hours. JAIIB includes four compulsory papers without negative marking, assessing basic to application-level banking knowledge.

Feature / Paper	Details
Total Questions	100 MCQs per paper (IE & IFS, PPB, AFM, and RBWM)
Total Marks	100 marks per paper
Exam Duration	2 hours per paper
Negative Marking	No
Exam Mode	Online (CBT)
Assessment Areas	Concepts, application, case studies, numericals

CAIIB consists of four compulsory papers and one elective, also carrying 100 marks each, and focuses on advanced banking concepts such as risk, treasury, credit, and regulations. Both exams follow the minimum passing criteria of 50 marks or 45 with 50% aggregate.

Paper Name	Marks	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)

What is the syllabus of JAIIB?

The JAIIB syllabus covers four compulsory papers designed to build a strong foundation in banking. It includes topics related to the Indian economy, financial systems, core banking operations, banking technology, ethics, accounting principles, financial management, and retail banking services. Each paper is divided into modules that help candidates understand both theoretical concepts and their practical applications in day-to-day banking operations.

What is the JAIIB IE & IFS syllabus?

The JAIIB IE and IFS Syllabus consists of a total of four modules: Indian Economic Architecture, Economic Concepts Related to Banking, Indian Financial Architecture, and Financial Products and Services, followed by key topics. The details of the key topics are as follows:

Module A: Indian Economic Architecture

This module consists of 11 sections. The detailed topics from each section are as follows: 

Section	Topics
1. Overview of Indian Economy	– Evolution of Indian Economy  – Basic Characteristics  – Pre-British Economy  – Economy till 2008 & post-2008  – Structural changes
2. Economic Planning in India	– Definition, History, Objectives  – Types of Planning  – Achievements  – Financial resources for 5-Year Plans
3. Sectors of Indian Economy	– Primary, Secondary, Tertiary, Quaternary & Quinary Sectors  – Different Revolutions (Green, White, etc.)  – Sector differences & GDP contribution  – Agriculture, Industry, Services  – Employment in Secondary Sector  – Sunrise Sector  – Organised & Unorganised sectors
4. Priority Sector & MSMEs	– Definition & Role of Priority Sector  – Identified Priority Sectors  – Priority Sector Lending Norms  – MSME: Definition, Role & Contribution to GDP  – Initiatives: Atmanirbhar Bharat, Make in India, Start-up India, Stand-up India
5. Infrastructure & Social Infrastructure	– Role in Economic Development  – Energy, Power, Transport (Rail, Road, Aviation)  – Social Sector: Health, Education, Family Welfare  – Development of Health Infrastructure
6. Globalisation – Impact on India	– Advocacy of Globalisation  – Impact on India  – Fair Globalisation & Policy Needs  – Reverse Globalisation & Protectionism
7. Economic Reforms	– Overview of Reforms  – Transformation (Real Sector, Financial Sector)  – Global Integration  – Indian Economic Reforms
8. Foreign Trade Policy (FTP), FDI & FII	– Structural Changes in 1990s FTP  – FTP 2015–2020  – Challenges for upcoming FTP  – FDI & FII – Trends  – Economic Growth vs Development
9. International Economic Organisations	– IMF, World Bank, WTO (India’s role)  – Regional Economic Co-operations  – Recent Issues
10. Climate Change & SDGs	– Core elements of Sustainable Development  – Global Issues & Initiatives  – India’s Progress  – CSR & Climate Action
11. Key Issues in Indian Economy	– Poverty Alleviation  – Jobless Growth  – Rising Inequality  – Migration & Resource Pressure  – Remedies  – Pandemic Challenges

Module B: Economic Concepts Related to Banking

This module consists of 8 sections. The detailed topics from each section are as follows: 

Section	Topics
1. Fundamentals of Economics	– Microeconomics & Macroeconomics  – Market, Command & Mixed Economies
2. Supply & Demand	– Demand Schedule & Shifts  – Supply Schedule & Shifts  – Equilibrium: Price & Quantity changes
3. Money Supply & Inflation	– What is Money?  – Measures of Money Supply  – Inflation – Causes & Measures
4. Theories of Interest	– Classical Theory  – Keynes’ Liquidity Preference Theory  – Money Demand Curve  – Rate of Interest Determination  – Effect of Money Supply Shifts  – IS–LM Curve Model
5. Business Cycles	– Characteristics  – Phases
6. Monetary & Fiscal Policy	– Tools of Monetary Policy  – India’s Response to Global Financial Crisis  – Fiscal Policy & FRBM Act
7. National Income & GDP	– Concepts & Computation  – Utility
8. Union Budget	– Receipts & Expenditure  – Plan Expenditure  – Deficit Concepts

Module C: Indian Financial Architecture

This module consists of 9 sections. The detailed topics from each section are as follows: 

Section	Topics
1. Indian Financial System – Overview	– Definition & Phases (Pre-1951, 1951–80s, Post-90s)  – Narasimham Committee 1991  – Reforms (1992–2008)  – Present Status
2. Indian Banking Structure	– Development & Functions  – Scheduled Commercial Banks – Types & Functions  – Local Area Banks  – RRBs  – Cooperative Banks  – Payment Banks & Small Finance Banks  – NBFCs & RBI Guidelines
3. Key Banking Legislations	– RBI Act, 1934 (Ch I–V, Schedules)  – Banking Regulation Act, 1949 (Sec 1–56)
4. Development Financial Institutions (DFIs)	– Evolution & Objectives  – Post-Independence gaps  – Classification & Role  – Changing Role & Universal Banks  – Institutions: IFCI, ICICI, IDBI, SIDBI, EXIM, NABARD, NHB, NaBFID
5. Microfinance Institutions (MFIs)	– Evolution, Grameen Model  – SHG-Bank Linkage, JLGs  – Regulatory Framework & RBI Directions 2022  – Fair Practices Code
6. Non-Banking Financial Companies (NBFCs)	– Evolution & Role in Inclusive Growth  – Regulators, Classification, RBI Oversight  – Types, Owned Funds & Net Owned Funds  – Bank Finance, Fair Practice Code  – Ombudsman Scheme, Scale Based Regulation (SBR)
7. Insurance Companies	– History, Privatisation & FDI  – Global & Indian Insurance  – Penetration & Density  – Number of Players  – Legislations, Intermediaries, Reinsurance  – Insurance Repository/Accounts
8. Regulators of Indian Financial System	– RBI, SEBI, IRDAI, PFRDA – Roles
9. Reforms & Developments	– Bad Banks  – Infrastructure Financing  – NaBFID  – EASE Reforms

Module D: Financial Products & Services

This module consists of 17 sections. The detailed topics from each section are as follows: 

Section	Topics
1. Overview of Financial Markets	– Meaning, Evolution  – Segments & Functions  – Price Discovery
2. Money & Capital Markets	– Call/Notice/Term Money  – T-Bills, CDs, CPs  – Repo, Tri-Repo, BRDS, LTRO
3. Debt/Fixed Income Markets	– Govt Securities, Bond Valuation  – Auctions, Primary Dealers  – FIMMDA, RBI Retail Direct Scheme  – Corporate Bonds, Inter-Corporate Deposits
4. Capital Markets & Stock Exchanges	– Primary & Secondary Markets  – SEBI Regulations  – Capital Issues & Eligibility Norms  – Intermediaries, ASBA, QIP
5. Forex Market	– Profile & Evolution in India  – Characteristics & Participants  – LIBOR & ARRs  – FEDAI, FEMA 1999  – FX-Retail Platform, USDX, ADR, GDR
6. Market Interconnection	– Reasons, Importance & Levels  – Integration in India  – Asian Clearing Union  – Interconnectedness (Money, Credit, Capital, Forex)  – Integrated Treasury & Contagion Effect
7. Merchant Banking Services	– Meaning & History  – Development in India  – Merchant vs Commercial Banking  – SEBI Regulations & Codes of Conduct
8. Derivatives Market (incl. CDS)	– Meaning, History, Size  – Exchange Traded vs OTC  – Forward, Futures, Options, Swaps, CDS  – RBI Guidelines, ISDA Agreement
9. Factoring, Forfaiting & TReDS	– Factoring – Types, Domestic/International, Pros/Cons  – Forfaiting – Mechanism, Pros/Cons  – TReDS – Participants, Process, Eligibility
10. Venture Capital	– Concept, Evolution, Stages  – Process, Regulatory Aspects  – Modes, Pros/Cons, Exit Routes
11. Leasing & Hire Purchase	– Leasing – Types, Pros/Cons, Market Share, Legal/Regulatory Aspects  – Hire Purchase – Evolution, Legal Aspects, Parties  – Leasing vs Hire Purchase
12. Credit Rating Agencies (CRAs)	– Meaning, History, Importance  – Benefits, Factors, Process  – Symbols, Outlook  – SEBI Regulations, Fees  – Credit Scoring, CICs, Credit Rating vs Credit Score
13. Mutual Funds	– Meaning, Evolution, Types  – Functions, Management, Role  – NFO, Risks, Riskometer, NAV  – Expense Ratio, Load/No-Load  – Strategies, Role in Capital Market  – Alternative Investment Funds (AIFs)
14. Insurance Products	– Meaning, Principles, Classification  – Types, Group & Micro Insurance  – Social Security Schemes, Bancassurance  – Ombudsman Scheme, Govt Schemes (PMJJBY, PMSBY)
15. Pension Funds	– Pension System & Products  – EPF, PPF, Annuities  – NPS & APY
16. Para-Banking & Financial Services by Banks	– Types & Organisation  – Activities  – Commission/Remuneration Disclosure
17. REITs & InvITs	– REITs – Meaning, History, Organisation, Types, Pros/Cons, Taxation  – InvITs – Meaning, Rationale, Types, Revenue Model, Pros/Cons, Taxation

Check out the module wise detailed JAIIB IE and IFS Syllabus

What does the JAIIB PPB syllabus include?

JAIIB Paper 2 explores the principles and practices of banking. It is divided into four modules: General Banking Operations, Functions of Banks, Banking Technology, and Ethics in Banks & Financial Institutions, each covering various topics. The details of the topics are as follows:

Module A – General Banking Operations

This module consists of 3 sections. The detailed topics from each section are as follows: 

Main Topics	Subtopics
Banker Customer Relationship	– Requirements to be called a bank  – Rights & Obligations  – Banker as Trustee  – Bailee–Bailor  – Agent–Principal  – Lessor–Lessee  – Indemnifier–Indemnified
Deposit Products & Services	– Types of Deposits  – Services to Customers  – Services to Investors
AML & KYC Guidelines	– Risks of Money Laundering & Terrorism Financing  – AML Framework in India  – KYC Policy  – Organisational Setup for AML  – Obligations under PMLA

Module B – Functions of Banks

This module consists of 5 sections. The detailed topics from each section are as follows: 

Main Topics	Subtopics
Retail Banking	– Features  – Products  – Technology  – Risks
Wholesale Banking	– Characteristics  – Products  – Recent Trends
Treasury Management	– Functions  – Objectives  – Risks  – Key Aspects
International Banking	– Exchange Rates  – FEMA Guidelines  – NRI Deposits  – Remittances
Non-Fund Based Facilities	– Letters of Credit (LCs)  – Bank Guarantees  – Types & Applications

Module C – Banking Technology

This module consists of 3 sections. The detailed topics from each section are as follows: 

Main Topics	Subtopics
Electronic Banking	– Core Banking Solutions  – Digital Banking Channels  – FinTech Applications  – Payment Systems (UPI, IMPS, NEFT, RTGS, Cards, Wallets)
IT Security	– Cyber Security Risks  – Banking Frauds  – Preventive Measures  – IT Governance  – RBI Guidelines
Emerging Technologies	– Artificial Intelligence  – Blockchain  – RegTech  – SupTech  – Open Banking  – CBDC  – Digital Identity  – APIs  – Cloud Computing

Module D – Ethics in Banking & Financial Institutions

This module consists of 4 sections. The detailed topics from each section are as follows: 

Main Topics	Subtopics
Business Ethics	– Definition  – Principles  – Ethical Theories  – Ethical Dilemmas in Banking
Workplace Ethics	– Employee Obligations  – Corporate Governance  – Code of Ethics  – Whistleblowing
Banking & Customer Ethics	– Responsible Banking  – Fair Treatment of Customers  – Ethical Sales Practices
Corporate Governance in Banks	– Importance  – RBI Guidelines  – Role of Board of Directors  – SEBI Regulations  – Corporate Social Responsibility (CSR)

Check out the module wise detailed JAIIB PPB Syllabus

What is the JAIIB AFM syllabus?

The JAIIB AFM syllabus includes four sections: Accounting Principles and Processes, Financial Statements & Core Banking Systems, Financial Management, and Taxation & Fundamentals of Costing. These sections are further divided into key topics. The details of the key topics are as follows:

Module A – Accounting Principles & Processes

This module consists of 10 sections. The detailed topics from each section are as follows: 

Main Topics	Subtopics
Accounting Standards & Principles	– Definition, Scope, Ind AS  – Historical Perspectives  – Value System Accounting  – Origins of Principles  – US GAAP, IFRS  – Difference between GAAP & IFRS  – Transfer Pricing
Basic Accountancy Procedures	– Concepts: Going Concern, Double Entry, Conservatism, Revenue Recognition, Accrual vs Cash Basis  – Cash/Subsidiary Books  – Ledger, Journalising
Bank Reconciliation Statement	– Cash Book vs Pass Book  – Causes of Differences  – Preparing Reconciliation Statement  – Adjusting Cash Book  – Advantages
Trial Balance & Errors	– Preparation  – Types  – Purpose  – Errors (Classification, Location, Rectification)  – Suspense Account  – Adjusting & Closing Entries
Depreciation & Amortisation	– Meaning, Causes, Need, Factors  – Methods: SLM, WDV, Units of Production, SYD  – Replacement of Assets, Sinking Fund  – Amortisation of Intangibles
Capital & Revenue Expenditure	– Distinction  – Receipts
Bills of Exchange	– Types  – Term & Due Date  – Important Terms  – Accounting Entries  – Accommodation Bill  – Bill Books
Operational Aspects in Banks	– Peculiar Features of Bank Accounting  – Systems in Banks  – Illustrations
Back Office Functions	– Handling Unreconciled Entries  – Inter-branch/office reconciliation
Bank Audit & Inspection	– Risk-based Internal Audit  – Concurrent, Internal & Statutory Audits  – Role of Audit & Inspection

Module B – Financial Statements & Core Banking Systems

This module consists of 7 sections. The detailed topics from each section are as follows: 

Main Topics	Subtopics
Balance Sheet Equation	– Concept & Computation
Preparation of Final Accounts	– Trial Balance  – Adjustment Entries  – Preparation of Financial Statements
Company Accounts – I	– Definition, Types of Companies  – Partnership vs LLP  – Classes of Share Capital  – Issue of Shares  – Non-voting Shares
Company Accounts – II	– Form of Balance Sheet  – Impact of Ind AS
Cash Flow & Funds Flow	– Concepts  – Statements  – Analysis
Final Accounts of Banks	– Definition, Functions  – RBI & Basel III Requirements  – Principal Books  – Preparation of P&L and Balance Sheet  – Notes to Accounts  – Ind AS Implementation
Core Banking & Computerised Environment	– Computerised vs Manual Accounting  – Features, Advantages/Disadvantages  – Banking Software  – Core Banking Components  – Information Security  – Internet & Web Impact

Module C – Financial Management

This module consists of 10 sections. The detailed topics from each section are as follows: 

Main Topics	Subtopics
Overview of Financial Management	– Objectives  – Fundamental Principles  – Risk-Return Trade-off  – Agency Problem  – Ethics & CSR  – Finance Function Organisation  – Link to Economics & Accounting
Ratio Analysis	– Types, Uses, Limitations  – Calculation & Interpretation for Different Users
Financial Mathematics – Interest & Annuities	– Simple & Compound Interest  – Fixed/Floating Rates  – Product/Balances Method  – FV & PV of Annuity (Ordinary & Due)  – Debt Repayment
Financial Mathematics – Yield to Maturity (YTM)	– Bonds (Types, Valuation, Optionality)  – Current Yield  – YTM  – Duration  – Bond Price Volatility
Financial Mathematics – Forex Arithmetic	– Indian Forex Market  – Direct & Indirect Quotes  – Exchange Rate Arithmetic  – Forward Rates
Capital Structure & Cost of Capital	– Approaches (NI, NOI, Traditional)  – WACC  – Factors  – Project & Divisional Cost  – Flotation Cost  – Misconceptions
Capital Investment Decisions / Term Loans	– DCF & Non-DCF Methods  – Term Loans  – Project Financing  – Appraisal
Equipment Leasing / Lease Financing	– Features  – Types  – Legal Aspects  – Accounting for Lessor & Lessee
Working Capital Management	– Cycle, Cash & Securities, Accruals  – Trade Credit, Bank Advances  – Cash Budget  – Regulations, Deposits, CP, Factoring, Forfaiting
Derivatives	– Features, Functions, Users  – Futures, FRA, Swaps, Options

Module D – Taxation & Fundamentals of Costing

This module consists of 7 sections. The detailed topics from each section are as follows: 

Main Topics	Subtopics
Taxation	– Income Tax Overview  – Deductions (80QQB, 80RRB, 80TTA, 80U)  – TDS/TCS  – Returns  – Refunds  – Recovery
Goods & Services Tax (GST)	– Direct vs Indirect Taxes  – Basics of GST
Cost & Management Accounting Overview	– Cost Concepts  – Elements  – Cost Centre & Unit  – Methods & Techniques  – Standards  – Relationship with Financial & Management Accounting
Costing Methods	– Unit/Output, Job, Batch, Contract, Process, Service Costing
Standard Costing	– Types of Standards  – Installation  – Variance Analysis (Material, Labour, Overheads)  – Benchmarking  – Variance Reporting
Marginal Costing	– BEP, CVP Analysis  – P/V Ratio  – Margin of Safety  – Absorption vs Marginal Costing
Budgets & Budgetary Control	– Types of Budgets (Fixed, Flexible, Zero-based, Performance)  – Preparation  – Monitoring  – Control System

Check out the module wise detailed JAIIB AFM Syllabus

JAIIB RBWM Syllabus

The JAIIB RBWM syllabus includes four sections: Retail Banking, Retail Products and Recovery, Support Services and Marketing of Banking Services/Products, and Wealth Management. These sections are further divided into various key topics. The details of the key topics are as follows:

Module A – Retail Banking

The detailed syllabus of Module A is as follows:

Main Topics	Subtopics / Coverage
Retail Banking: Introduction	– Characteristics  – Advantages  – Constraints  – Evolution  – Prerequisites for Success  – Challenges  – Future of Retail Banking
Retail Banking: Role within the Bank Operations	– Business Models  – Applicability of Retail Banking Concepts  – Distinction between Retail and Corporate/Wholesale Banking
Branch Profitability	– Banking System in India  – What is Profitability & Profit  – Gross Profit, Operating Profit, Net Profit  – Profitability in Banking Context  – Traditional Measures  – ROA (Return on Asset), ROE (Return on Equity)  – Branch Operating Efficiency  – Strategies to Improve Efficiency  – Factors Affecting Profitability of Banks in India  – Profitability Analysis of Bank Branches  – Steps to Improve Branch Profitability  – Factors for Continuous Improvement

Module B – Retail Products and Recovery

The detailed syllabus of Module B is as follows:

Main Topics	Subtopics / Coverage
Customer Requirements	– Maslow’s Theory  – Service Quality Expectations
Product Development Process	– Product Development Cycle  – Product Life Cycle  – Product Lines  – Deposit (Liability) Products  – Credit (Asset) Products  – Other Products & Services  – Fee-based Services (Third-party distribution)  – New Product Development (Stages, Constraints)  – Product Management  – Product Policy
Credit Scoring	– Definition  – Evolution  – Good Credit Score  – Scoring Models  – Managing Credit Score  – Positive/Warning Signs  – Credit Information Companies in India  – Issues  – Mistakes  – Troubleshooting
Important Retail Liability Products	– Demand Deposits (Current Accounts: Features, Advantages, Documents, Opening, Operations, Transfer, Inoperative/Closure)  – Savings Accounts (Advantages, Eligibility, Deregulation of Interest, Balance & Interest Rules, Transaction Restrictions, Services)  – Time Deposits (Periodicity, Operations, Interest, Minor/Joint Accounts, Premature Withdrawal, Advances Against FD, Renewal, Overdue FD – RBI Rules, Form 15G/15H, TDS)  – Recurring Deposits (RD)  – 2-in-1 Account
Important Retail Asset Products	– Home Loans, Housing Loan under PMAY  – Home Improvement Loans, Home Décor Loans  – Auto/Vehicle Loans  – Personal Loans  – Educational Loans  – Other Retail Loans  – Loan Processing
Credit & Debit Cards	– Credit Cards  – Charge Cards  – Prepaid Cards  – Debit Cards  – Co-branded Cards  – Contactless Cards
Remittance Products	– NEFT, RTGS, ECS, NACH  – Aadhaar-enabled Payment System (AePS)  – Bharat Bill Payment System (BBPS)  – Benchmarking India’s Payment System
Digitisation of Retail Banking Products	– Technology in Retail Banking  – Processes  – User-friendly Features  – Customer Analytics  – IDRBT, INFINET, SFMS, National Financial Switch (NFS), IBCC  – Wealth Management Solutions  – Digital Lending
Role of AI & Technology in Retail Banking	– Dimensions of Technology  – Relationship with Banking  – Evolution in India  – Challenges for Adoption  – Benefits  – AI vs Automation  – AI Evolution & Industry in India  – Why AI in Banking  – AI in Indian Retail Banking  – Challenges Facing India’s AI Development
Recovery of Retail Loans	– Repayment  – Default & Rescheduling  – Monitoring Loan Accounts  – Classification of Irregular Loans  – Recovery Policy  – SARFAESI Act 2002  – Debt Recovery Tribunal (DRT)  – Lok Adalat  – Direct Recovery Agents
Management Information Systems (MIS)	– Elements of MIS  – Role in Decision-making  – Role in Banking  – Designing MIS for Banks  – Issues & Suggested Solutions
Securitisation	– Securitisation of Assets

Module C – Support Services (Marketing of Banking Services/Products)

The detailed syllabus of Module C is as follows:

Main Topics	Subtopics / Coverage
Marketing – An Introduction	– Marketing in Retail Banking  – Marketing Mix in Retail Banking
Delivery Channels in Retail Banking	– Physical/Direct Branch  – ATMs  – POS Terminals  – Mobile Banking  – Internet Banking  – Customer Liability in Unauthorized Electronic Transactions
Delivery Models	– Branch Staff (Internal Customers)  – Dedicated Marketing Managers  – DSAs  – Tie-ups with Institutions/OEMs/Dealers
Customer Relationship Management (CRM)	– Why CRM  – Implementation Aspects  – Process & Stages  – Benefits  – Impact on Customer Satisfaction
Service Standards for Retail Banking	– BCSBI: Members, Aims, Code of Banks’ Commitment  – Code for MSEs  – Functions  – Code Compliance Rating  – Grievance Handling  – General Information
Marketing Information Systems (MKIS)	– Functions  – Components  – MKIS Model  – Observations  – Computer Usage  – Support for Marketing Management & Mix  – Decision Models  – Performance  – Recommendations  – Advantages

Module D – Wealth Management

The detailed syllabus of Module D is as follows:

Main Topics	Subtopics / Coverage
Importance of Wealth Management	– Broad View  – Business Structures  – Wealth Management Process  – Products & Services (Alternative Assets, Bonds, Insurance, Mutual Funds, Real Estate, Retirement Planning, Will Writing, Private Wealth, Personal Financial Planning, Assessment, Private Banking)  – Benefits & Importance
Investment Management	– Elements, Basics, Steps  – Investment Banking (Services, Structure, Difference vs Investment Management)  – Portfolio Management (Objectives, Elements, Services vs MFs, Types, Steps, Pros/Cons, Recent Developments in India)
Tax Planning	– Tax Structure (FY, AY, Previous Year, Residential Status, Terms, Heads of Income)  – Tax Slabs (Individuals, Entities, New vs Old Regime)  – Investment Products for Tax Savings  – Estate Planning (Will/Trust)  – Capital Gains Tax
Other Financial Services by Banks	– Distribution of Third-party Products  – Mutual Fund Business  – Insurance  – Social Security Schemes  – Cross Selling  – Depository Services  – PMS  – Factoring  – Other Agency Businesses
Additional Reading – Home Loans	– Lender’s Appraisal Procedure (Application, Documents, Pre-sanction Checks, Appraisal, Documentation, Mortgage, Title Deed Verification, Security, CERSAI, Monitoring, Closure, Loan Frauds)
Housing Finance & Tax Planning	– Tax Benefits of Housing Finance
Mortgage Advice	– Home Information Packs  – Time Value of Money (Interest, Annuities)  – Capital Gains  – Loan Calculator & Amortisation Schedule
Valuation of Real Property	– Valuers  – Land & Building  – Life of Structures  – Sinking Fund  – Reverse Mortgage

What is the syllabus of CAIIB?

The CAIIB syllabus is designed to provide advanced knowledge in banking and finance, helping professionals strengthen their decision-making and managerial capabilities. It consists of four compulsory papers Advanced Bank Management (ABM), Bank Financial Management (BFM), Advanced Business & Financial Management (ABFM), and Banking Regulations & Business Laws (BRBL).

These subjects cover areas such as risk management, treasury operations, credit, financial analysis, business strategy, leadership, and regulatory frameworks. In addition to the core papers, candidates must choose one elective from options like Rural Banking, HRM, IT & Digital Banking, Risk Management, or Central Banking, allowing them to specialize in a field aligned with their role or interest.

What is the CAIIB ABM syllabus?

The CAIIB Advanced Bank Management syllabus is divided into four modules: Module A: Statistics, Module B: Human Resource Management, Module C: Credit Management, and Module D: Compliance in Banks & Corporate Governance. Further details of the subtopics under the syllabus are as follows:

Module	Unit / Sub-Topic	Details (Simple & Easy Words)
Module A: Statistics	Basics of Statistics	Meaning, Importance, Functions, Limitations, Data Collection, Classification, Tabulation, Frequency Distribution
	Sampling Techniques	Random Sampling, Normal & Non-Normal Populations, Sampling Distribution, Central Limit Theorem, Finite Population Multiplier
	Measures of Central Tendency & Dispersion	Arithmetic Mean, Combined Mean, Geometric Mean, Harmonic Mean, Median, Quartiles, Mode, Range, Quartile Deviation, Standard Deviation, Coefficient of Variation, Skewness, Kurtosis
	Correlation & Regression	Scatter Diagram, Correlation, Regression, Standard Error of Estimate
	Time Series	Variations in Time Series (Trend, Cyclical, Seasonal, Irregular), Forecasting Techniques
	Probability Theory	Probability Definition, Conditional Probability, Random Variable, Probability Distributions (Binomial, Poisson, Normal), Expectation & SD, Credit Risk, Value at Risk, Option Valuation
	Estimation	Estimator & Estimates, Point Estimates, Interval Estimates, Confidence Intervals for Mean & Proportion (Large Samples)
	Linear Programming	Graphic Method, Simplex Method
	Simulation	Simulation Methods & Exercises
Module B: Human Resource Management	Fundamentals of HRM	HRM vs HRD, Structure & Functions, Role of HR Professionals, Strategic HRM, Development of HR in India
	Human Resource Development (HRD)	HRD Subsystems, Learning & Development, Attitude Building, Career Planning, Self-Development, Talent Management, Succession Planning
	Human Behaviour in Organisations	Employee Behaviour, Individual Differences, Workplace Diversity, Gender Issues, Motivation Theories & Practical Uses, Role Analysis
	Employee Feedback & Rewards	Feedback Systems, Reward & Compensation System
	Performance Management	Appraisal Methods, Review & Feedback, Counselling, Competency Mapping, Assessment Centres, Behavioural Event Interview (BEI)
	Conflict Management & Negotiation	Meaning, Features, Types, Causes, Phases of Conflict, Conflict Resolution, Negotiation Skills
	HR & Technology	IT in HR, HRIS, HRMS, e-HRM, HR Research, Knowledge Management, Technology in Training, HR Analytics
Module C: Credit Management	Overview of Credit	Importance, History in India, Principles of Credit, Types of Borrowers & Credit, RBI Guidelines
	Financial Statement Analysis	Balance Sheet, P&L, Cash Flow, Funds Flow, Projected FS, Rearranging FS for Bankers, Accounting Standards, Creative Accounting, Related Party Transactions, Techniques of Analysis
	Working Capital Finance	Concept, Cycle, Liquidity Ratios, Assessment Methods, IT/Software Industry Finance, Bills/Receivables Finance, RBI Guidelines, TReDS, Non-Fund Based Limits
	Term Loans & Project Finance	Term Loans, Project Appraisal, DPGs, Infrastructure Financing
	Credit Delivery & Processing	Documentation, Guarantees, Charge on Securities, Loan Disbursal, Consortium/Multiple Banking, Syndicated Loans, Straight-Through Processing
	Credit Monitoring & Control	Tools, Loan Review Mechanism (LRM)
	Credit Risk & Credit Rating	Meaning, Factors, Mitigation, Internal & External Ratings, Methodology, Credit Derivatives, RBI Guidelines, Credit Information System
	Restructuring & Recovery	NPAs, Stressed Assets, Wilful Defaulters, Non-Cooperative Borrowers, RBI Guidelines, Restructuring Options, Sale of Assets
	Insolvency & Bankruptcy Code (IBC) 2016	Definition, Applicability, Legal Provisions, Corporate Insolvency Resolution, Liquidation, Pre-Pack for MSMEs
Module D: Compliance & Corporate Governance	Compliance in Banks	Compliance Policy, Principles, Process, Programme, Role of Chief Compliance Officer (CCO)
	Compliance Audit	Risk-Based Internal Audit, Monitoring, Reporting, SEBI Listing Disclosures, Accounting Standards
	Governance Structure for Compliance	Board & Senior Management Role, Compliance at Corporate & Field Levels, Importance of Internal Controls
	Framework for Compliance Risks	Compliance Issues, Risks, Inherent & Control Risks, Audit Programmes, Loan Review/Credit Audit, Good Compliance Practices
	Compliance Culture & GRC	Building Compliance Culture, GRC Framework, Benefits, Whistle-blower Policy, Reasons for Compliance Failures
	Compliance in NBFCs	Scale-Based Regulation, Compliance Framework & Role of CCO in NBFC-UL & NBFC-ML
	Fraud & Vigilance in Banks	Meaning of Fraud & Forgery, Types of Bank & Cyber Frauds, Reporting System, Vigilance Function, RBI Guidelines (Private & Foreign Banks)

Check out the detailed CAIIB ABM Syllabus

What is the CAIIB BFM syllabus?

The CAIIB Bank Financial Management syllabus is structured into four modules: Module A: International Banking, Module B: Risk Management, Module C: Treasury Management, and Module D: Balance Sheet Management. Further details of the subtopics under the syllabus are as follows:

Module	Unit / Sub-Topic	Details (Simple & Easy Words)
Module A: International Banking	Exchange Rates & Forex Business	Meaning of Foreign Exchange, Forex Markets, Factors affecting Exchange Rates, Exchange Rate Mechanism, Forex Dealing Room, Derivatives, RBI/FEDAI Guidelines, Forex Arithmetic (concepts & examples)
	Liberalised Remittance Scheme (LRS) & Remittances	Capital vs Current Account Transactions, FEMA Provisions, Permitted & Non-permitted Remittances, Operational Guidelines, TCS, Reporting under LRS
	Correspondent Banking & NRI Accounts	Correspondent Banking Services, Nostro/Vostro/Loro Accounts, SWIFT, CHIPS, CHAPS, RTGS, NRI Banking – Rupee & FC Accounts, Loans & Facilities to NRIs
	Documentary Letters of Credit (LCs)	Definition, Types, Operations, UCP 600, Rights & Liabilities of Parties, Document Scrutiny, Crystallisation, Safeguards, Risks, Standby LC, URR-725, ISBP 745, Incoterms, Case Studies
	Facilities for Exporters & Importers	RBI/Exchange Guidelines, Export Finance, Gold Card Scheme, EDPMS, Factoring, Forfaiting, Import Finance, IDPMS, Trade Credit (Supplier’s & Buyer’s Credit), Case Studies
	ECBs & Foreign Investments	External Commercial Borrowings – Concepts, Reporting, Conversion into Equity; Foreign Investments – Investors, Entities, Instruments, Prohibited Sectors, Pledge of Shares, Operational Guidelines, NDI Rules, Documentation
	Risks in Foreign Trade & ECGC	Types of International Trade Risks, Country Risk, Role of ECGC, ECGC Policies, Products for Banks, Safeguards, Claims
	Role of EXIM Bank, RBI, FEMA, FEDAI	Role of EXIM Bank, RBI’s Exchange Control Regulations, FEMA 1999, FEDAI Functions & Rules, ADR/GDR/FCCB overview
	International Financial Service Centres (IFSC), GIFT City	Scope, Opportunities, Guidelines for IFSC Banking Units (IBUs), Role of IFSCA, Regulatory Framework, Permissible Activities, Relaxations for FPIs
	Technology in International Banking	Digitalisation in International Banking, Benefits & Limitations, FinTech Platforms, Delivery Channels, Blockchain in Trade Finance, Challenges in FinTech
Module B: Risk Management	Risk Basics & Framework	What is Risk, Link between Risk–Capital–Return, Why Risk Management, Basic Risk Management Framework
	Banking Risks	Identification of Risks, Banking Book vs Trading Book, Off-Balance Sheet Exposures, Types of Banking Risks
	Risk Regulations (Basel Norms)	Need for Risk-based Regulation, Basel I (1988), 1996 Amendment (Market Risk), Basel II – Goals, Pillars (Credit, Market, Operational Risk, Supervisory Review, Market Discipline), Basel III (Capital Buffers, Leverage Ratio, SIFIs), Risk Based Supervision
	Market Risk	Meaning, Market Risk in Banks, Framework, Structure, Risk Identification, Measurement, Monitoring, Reporting, Liquidity Risk in Trading, Mitigation
	Credit Risk	Framework, Structure, Risk Identification, Measurement, Policies, Monitoring at Transaction & Portfolio Levels, Loan Review Mechanism, Mitigation, Securitisation, Credit Derivatives
	Operational Risk & Integrated Risk Management	Types of Operational Risks, Event Types, Risk Practices, Structures & Processes, Monitoring & Controls, Mitigation, Scenario Analysis, Need & Challenges of Integrated Risk Management
	Liquidity Risk Management	Importance, Drivers, Types of Liquidity Risk, Governance, Strategies, Stress Testing, Contingency Funding, Overseas Branches, MIS, RBI Reporting, Internal Controls
	Basel III Liquidity Standards	Liquidity Coverage Ratio (LCR), Net Stable Funding Ratio (NSFR), Liquidity Monitoring Tools
Module C: Treasury Management	Introduction	Meaning of Treasury Management, Functions, Role of Globalisation, Treasury as Profit Centre, Organisation of Treasury
	Treasury Products	Forex Products, Money Market Instruments, Securities Market Products, Domestic & Global Markets
	International Equity & Debt Products	Regulatory Environment, GDRs, IDRs, ECBs, Trade Credits, Masala Bonds (Rupee Denominated Bonds)
	Funding & Regulatory Aspects	CRR, SLR, Liquidity Adjustment Facility (LAF), Payment & Settlement Systems
	Treasury Risk Management	Supervision & Control, Market & Credit Risk, Risk Measures (VaR, Duration), Use of Derivatives in Risk Management
	Derivative Products	OTC & Exchange Traded Derivatives, Forwards, Options, Futures, Swaps, Interest Rate & Currency Swaps, RBI Guidelines, Indian Market Developments
	Treasury & ALM	Asset-Liability Management (Liquidity & Interest Rate Risk), Treasury Role in ALM, Derivatives in ALM, Credit Derivatives, Transfer Pricing, Policy Framework
Module D: Balance Sheet Management	Assets & Liabilities	Bank’s Balance Sheet Components, Asset-Liability Management (ALM) – Purpose, Objectives, Coordinated Balance Sheet Management
	Capital Adequacy & Basel Norms	Basel Pillars – Minimum Capital (Pillar 1), Supervisory Review (Pillar 2), Market Discipline (Pillar 3)
	Asset Classification & Provisioning	RBI Norms for Asset Classification, Provisioning Guidelines
	Liquidity Management	Definition, Dimensions, Role in Risk Management, Measuring & Managing Liquidity Risk
	Interest Rate Risk Management	Sources & Effects of Interest Rate Risk, Measurement Techniques, Strategies & Controls, RBI’s Draft Guidelines on IRR in Banking Book
	RAROC & Profit Planning	Profit Planning, Risk Aggregation, Capital Allocation, Economic Capital, RAROC (Risk Adjusted Return on Capital)

Check out the detailed CAIIB BFM Syllabus

What is the CAIIB ABFM syllabus?

The CAIIB Advanced Business & Financial Management (ABFM) syllabus is divided into four modules: Module A: The Management Process, Module B: Advanced Concepts of Financial Management, Module C: Valuation, Mergers & Acquisitions, and Module D: Emerging Business Solutions. Further details of the subtopics under the syllabus are as follows:

Module	Topics Covered
Module A: The Management Process	Basics of Management – Definition, Process, Functions, Importance, Thoughts & Approaches, Challenges & Opportunities, Strategic Management, Business Environment Analysis  Planning – Fundamentals, Steps, Importance, Pros & Cons, MBO, Plan Components, Contingency Planning, Forecasting & Decision Making Organizing – Fundamentals, Importance, Stages, Principles, Types of Organisations, Structure, Charts, Manuals, Culture, Authority & Responsibility, Issues in Structure, Change, Conflict Dynamics  Staffing – Functions, Objectives, Nature, System Approach, Recruitment, Selection, Training, Retention, Development, Knowledge & Learning, Performance Appraisal, HRD  Directing – Characteristics, Importance, Elements, Leadership, Motivation, Communication, Supervision  Controlling – Basics, Characteristics, Advantages, Limitations, Types, Process, Planning-Controlling Link, Techniques, IT in Control
Module B: Advanced Concepts of Financial Management	Sources of Finance & Financial Strategies – Equity, Internal Accruals, Preference Capital, Term Loans, Debentures, Alternative Financing Strategies  Financial & Operating Leverages – Financial Leverage, DFL, Operating Leverage, DOL, Combined Leverage  Capital Investment Decisions – Objectives, Estimation of Cash Flows, Forecasting, Budget Relationships, Cash Forecasts, Cost Analysis, Appraisal Methods, SCBA  International Capital Budgeting – Foreign Investment Analysis, Cash Flows, Discount Rates, Portfolio Investment, Exchange & Country Risk, CAPM, APT, Overseas Project Evaluation, Transfer Pricing Impact  Risk & Uncertainty in Capital Budgeting – Sensitivity, Scenario, Hillier, Simulation, Decision Tree, Corporate Risk, Project Selection under Risk  Decision Making – CVP Analysis, Relevant Costing, ABC Costing, Ethical & Non-Financial Considerations
Module C: Valuation, Mergers & Acquisitions	Corporate Valuations – Approaches, Adjusted Book Value, Stock & Debt, Comparison, DCF Approach  DCF Valuation – Inputs, Models, Dividend Discount Model, Applicability  Other Valuation Models – Relative Valuation, Equity Multiples, EV Multiples, Book Value, Stock & Debt Approach  Special Cases – Intangibles, Startups, Distressed Firms, Service Companies, Holding Cos., E-commerce, Warrants, Convertibles  Mergers & Acquisitions – Types, Reasons, Mechanics, Costs/Benefits, Exchange Ratio, Takeovers, LBOs, Alliances, Divestitures, Demergers  Deal Structuring & Strategies – Negotiations, Legal & Tax Aspects, Reporting, Financing, Cross-border Acquisitions
Module D: Emerging Business Solutions	Hybrid Finance – Types, Warrants, Convertibles, FCCBs, Mezzanine, Innovative Hybrids  Start-up Finance – Benefits, Challenges, Policies, Pitching, Funding, Schemes, Tax Exemptions, Investor Outlook  Private Equity & Venture Capital – Characteristics, Financing Options, Benefits, Drawbacks, Due Diligence, Exit Strategies  Artificial Intelligence – History, Applications in BFSI, Neural Networks, Tools, Rational Agents, Ethics & Morality  Business Analytics – Essentials, Types, Elements, Big Data, Web vs Mobile Analytics, Importance  Green & Sustainable Financing – ISO Standards, Best Practices, India’s Policies, Challenges, RBI View  SPACs – Advantages, Disadvantages, Structure, Process, Stakeholders, De-SPAC Process

Check out the detailed CAIIB ABFM Syllabus

What is the CAIIB BRBL syllabus?

The CAIIB Banking Regulations and Business Laws (BRBL) syllabus is structured into four modules: Module A: Regulations and Compliance, Module B: Important Acts/Laws & Legal Aspects of Banking Operations, Module C: Business Laws, and Module D: Commercial and Other Laws with reference to Banking Operations. Further details of the subtopics under the syllabus are as follows:

Module	Topics Covered
Module A: Regulations and Compliance	Regulation of Banks – Business of Banking Companies, Control over Management, Minimum Capital, Cash Reserves, Licensing of Banking Companies, Branch Licensing Policy, Mergers & Amalgamations, Regulatory Restrictions on Loans and Advances, Priority Sector Lending, RBI Act, CRR, SLR, Provisions of Payment and Settlement Systems Act, NPA Management, Basel Norms  Compliance Function in Banks – Need, Scope, Structure, Role of CCO, Compliance with Laws/Regulations, Risk Management, Fraud Risk Management, Importance of Corporate Governance, Whistleblower Policy
Module B: Important Acts/Laws & Legal Aspects of Banking Operations	Banking Regulation Act, 1949 – Important Provisions, Licensing, Branch Expansion, Shareholding, Management Control  Reserve Bank of India Act, 1934 – Functions of RBI, Monetary Policy, Supervision & Control  Negotiable Instruments Act, 1881 – Characteristics, Types of Instruments, Parties, Endorsements, Holder/Holder in Due Course, Dishonour & Noting, Crossing, Bouncing of Cheques, Penalties  The Bankers’ Books Evidence Act, 1891 – Provisions, Bank Records as Evidence  The Prevention of Money Laundering Act, 2002 – Definitions, Obligations of Banking Companies, RBI Guidelines, KYC/AML Norms
Module C: Business Laws	Indian Contract Act, 1872 – Essentials of a Valid Contract, Offer & Acceptance, Consideration, Capacity, Free Consent, Void Agreements, Performance, Breach, Remedies  Indian Partnership Act, 1932 – Types of Partnerships, Registration, Relations of Partners, Dissolution, Rights & Liabilities  Limited Liability Partnership Act, 2008 – Nature, Incorporation, Partners & Designated Partners, Liabilities, Conversion into LLP, Winding Up  Companies Act, 2013 – Definition & Types of Companies, Incorporation, MOA, AOA, Prospectus, Share Capital, Directors, Meetings, Dividend, Audit, Investigation, Winding Up
Module D: Commercial and Other Laws with reference to Banking Operations	Transfer of Property Act, 1882 – Mortgage, Charge, Sale, Lease, Gift, Actionable Claim  The Sale of Goods Act, 1930 – Formation of Contract, Conditions & Warranties, Transfer of Ownership, Rights of Unpaid Seller  Indian Partnership Act, 1932 (Banking Relevance) – Banker’s Rights, Lending to Partnership Firms  Indian Trusts Act, 1882 – Duties & Liabilities of Trustees, Rights & Powers  Information Technology Act, 2000 – Legal Recognition of Electronic Records, Digital Signatures, Cybercrimes, Penalties  Consumer Protection Act, 2019 – Consumer Rights, Grievance Redressal, Role of Ombudsman, Applicability in Banking Sector

Check out the detailed CAIIB BRBL Syllabus

CAIIB Elective Paper 1 Rural Banking Syllabus

The CAIIB Elective Paper Rural Banking syllabus is divided into four modules: Module A: Rural India, Module B: Financing Rural Development, Module C: Priority Sector Financing and Government Initiatives, and Module D: Problems and Prospects in Rural Banking. The detailed syllabus are as follows:

Module	Topics Covered
Module A: Rural India	Demographic Features – Population, Literacy, Sixth Economic Census, Agriculture Census, Socio-Economic Development Indicators, Health, Nutrition, Education, Rural-Urban Migration  Characteristics of Rural Society – Social Stratification, Local Institutions, NIRD & PR  Economic Features – Agriculture, Non-Farm Activities, GDP & GVA, Rural Money Markets (Formal & Informal), Rural Indebtedness, Rural Poverty, Poverty Line Measurement Methods, Sustainable Development Goals  Infrastructure – Transport, Markets, Rural Electrification, Other Services  Agriculture Economy – Structure & Characteristics of Indian Agriculture, Role in Economic Development, Agriculture-Industry Linkage, Issues & Constraints, Technical Change, Emerging Issues, NMSA  Rural Development Policies – Schemes, Skill Development, SPMRM, Backward Area Programs, Dryland Farming, Soil & Water Conservation, RIDF, Reforms & Impact on Rural Economy  Issues Concerning Rural Areas – Components & Approaches to Rural Development, Sustainable Development, Rural Management Issues, Marketing Management, Importance of Agricultural Prices
Module B: Financing Rural Development	Regulation of Rural Financial Services – Setup of RFIs, Role of RBI & NABARD, Lead Bank Scheme  Rural Credit Institutions – Cooperative Credit, RRBs, Commercial Banks, Other Institutions, ICT Role, Inclusive Growth Initiatives, Rural & Micro Insurance, MFIs, Business Facilitators & Correspondents  Financing Agriculture & Allied Activities – Crop Loans, Kisan Credit Card, NABARD Refinance, Relief in Natural Calamities, Term Loans for Allied Activities, Credit for Sectors (Plantations, Dairy, Poultry, etc.), Advances against Gold  Financing Rural Non-Farm Sector – Importance, Structure, Growth, Issues, Traditional Industries, Raw Material, Marketing, Institutional Finance, Technology Development & Training  SME Finance – Definition & Importance, MSME Credit, Loan Appraisal, SIDBI Role, RBI & GOI Policies, MSME Problems, Delayed Payments, PCRS, Revival & Rehabilitation Framework  Project Concepts & Bankable Projects – Project Cycle, Irrigation, Farm Mechanization, Plantation, Dairy, Poultry, Sericulture, Pisciculture, Beekeeping, Rural Godowns, Mushroom Cultivation
Module C: Priority Sector Financing & Govt. Initiatives	Priority Sector Lending – Evolution, Guidelines, Categories, Targets, Common Guidelines, Credit Achievement  Poverty Alleviation Programs – Govt. Initiatives, Features of Schemes, Welfare Programs  Rural Housing & Education Loans – PMAY (Grameen), Education Loan Schemes  Financial Inclusion & Education – RBI Initiatives, National Strategies for FI & FE, Direct Benefit Transfer, NRLM/NULM, Relief for Natural Calamities, Credit to SCs/STs & Minorities, Poverty Alleviation & Employment Programs
Module D: Problems & Prospects in Rural Banking	Role of Banking in Rural Development – Emerging Trends, Present Scenario, Areas of Concern, Inclusive Banking  Role of Technology in Financial Inclusion & Rural Development – Digital Transformation, Technology for Agriculture, IoT in Agriculture, Modern Management of Agriculture, Value Chain Operations, Progress of IoT Globally & in India, Fintech in Inclusion  Financing Poor as Bankable Opportunities – Microcredit Models, SHG-Bank Linkage Program (SBLP), MFIs, NABARD Role, SIDBI & Micro Credit, RBI & GOI Initiatives

Check out the detailed CAIIB Paper 1 Rural Banking Syllabus

CAIIB Elective Paper 2 HRM Syllabus

The CAIIB Elective Paper Human Resource Management syllabus is divided into five modules: Module A: Human Resource Management, Module B: Building an HR Strategy, Module C: Motivation, Training and Skill Development, Module D: Personnel Management and Industrial Relations, and Module E: Emerging Scenario in HRM. Further details are as follows:

Module	Topics Covered
Module A: Human Resource Management	Fundamentals of HRM (New insights, Ethics in HRM) Organisational Behaviour (Behavioural dynamics, Leadership, Quality initiatives, Stress management, Business etiquettes) Organisational Change (Change agent, Kotter’s 8-step model, Responsibility charting) HRM in Indian Banks (Traditional role, Challenges, Core banking issues) Knowledge Management (KM concepts, IT & database management in banks)
Module B: Building an HR Strategy	HR as a Strategic Player (Strategy formulation, Business value creation, Strategy execution, Factor analysis) CEO and Team (Roles, Talent management, Succession planning, HR Audit) Communication (Types, Barriers, Effective communication, HR role) HR Functions (HR planning, Recruitment, Technology impact, Social media policy, Compensation, Attrition, Employee risk assessment) Performance Management (PMS, Appraisals, 360-degree appraisal, Competency mapping, KRAs)
Module C: Motivation, Training and Skill Development	The Learning Process (Learning theory, Employee behaviour) Employee Motivation (Motivation theories, Attitude, Job enrichment, Satisfaction) Employee Development (Training vs Development, Training needs, Role in banking) Training Methodology (Learning organisations, Types of training, Career development, Soft skills, ROI on training, Best practices)
Module D: Personnel Management and Industrial Relations	Industrial Relations (Part A) (Personnel function, IR Code 2020, Labour laws) Industrial Relations (Part B) (Trade unions, Collective bargaining) Employee Discipline & Grievance Redressal (Concepts, Conflict management, Mechanisms) Workers’ Participation in Management (WPM) (Concepts, Indian banking experience) Employee Discipline (Discipline Management) (Workplace discipline, Enquiry, Fraud, Vigilance, Diversity, POSH Act 2013)
Module E: Emerging Scenario in HRM	Employee Engagement (Gen Y strategies, WFH, Hybrid models, New employment models) Organisational Culture & Creativity (Culture, Innovation, Creative leadership, Ethical culture) Corporate Sustainability & Green HRM (Sustainable HRM, Green HR practices in banking) HR Analytics & AI-based HR Solutions (HR metrics, AI in HR, HR entrepreneurship) Crisis Management in VUCA & BANI Scenarios (Uncertainty, Crisis models, HR role) Business Ethics, Corporate Governance & CSR (Ethical organisations, Governance practices, CSR in India)

Check out the detailed CAIIB Paper 2 HRM Syllabus

CAIIB Elective Paper 3 IT and Digital Banking Syllabus

The CAIIB Elective Paper on Information Technology & Digital Banking is divided into four modules: Module A: Introduction to Information Technology, Module B: Systems and Design, Module C: Banking Technology Applications and Digital Banking, and Module D: Information System Security Controls and Audit. Further details of the IT and Digital Banking Syllabus details are as follows:

Module	Topics & Subtopics
Module A: Introduction to Information Technology	– Information Technology and its Implications – Impact of Information Technology, Strategic Issues and IT – Introduction to Computing: Computer, Data Processing and Methods, Computing Environments, Virtualization of Servers – Introduction to Software: Computer Software, Open Source Software, Web Browsers – Networking Systems: Data Communications, WAN Technology Overview, TCP/IP & Internet
Module B: Systems and Design	– Introduction to Information Systems: Types of Information Systems, MIS Structure, Decision Support System (DSS), Executive Information Systems (EIS), Group Decision Support Systems (GDSS), Project Management, Capability Maturity Model (CMM), Building Data Centers – Database Management Systems: DBMS Concepts, Relational Database, Normalization of a Database, Oracle – Data Warehousing and Data Mining: Need for Data Warehouse, Architecture, Options, Developing Data Warehouses, Business Intelligence – Expert Systems & Neural Networks, Data Mining, Emerging Trends in Analytics
Module C: Banking Technology Applications and Digital Banking	– E-Learning Environment: Standards, Design, Virtual Classroom, Emerging Trends, Impact of Pandemic – Banking Software: IBS, Centralized Banking Solution, Online Banking Features, ISPs/Hosting/Bandwidth, Emerging Trends, Vendor Selection & Retention – Electronic Clearing and Settlement Systems: MICR/OCR/CTS, Debit & Credit Clearing, RTGS, NEFT, NPCI Products & Services, SFMS – Plastic Money: Credit, Debit, Smart Cards, CVV/CSC, RuPay, Payment Gateway & SET, ATM & POS, Card Tokenization – Electronic Commerce and Banking: E-business, E-commerce, Building Blocks, E-banking, Mobile Payments, SMS Banking, Call Center, EBPP, Emerging Digital Payments – IT Act 2000/2008: Computer Crime, Legal Issues, Gist of Offenses, 2008 Amendment, DRM, Latest Developments – Emerging Technologies: Open Banking, APIs & Embedded Banking, Big Data Analytics, Blockchain, AI & ML, Cyber Security – Zero Trust, 5G, Fintech & Cloud, DBUs, CBDCs
Module D: Information System Security Controls and Audit	– Computer Security: Physical, Logical, Network, Biometric Security, ISO 27000 Series, Basel Recommendations, Viruses & Frauds – Communication Security: Cryptography, Digital Signatures, PKI, Certification Authorities – Business Continuity & Disaster Recovery Planning: BCP vs DRP, RBI Guidelines, Disaster Avoidance & Recovery – Information System Audit: Concept, Procedures, Security, IS Audit Controls & Approaches, RBI Guidelines – Competitive Bid Process – RFP and SLA: RFP Process, Proposal Evaluation, Contract Co-ordination, SLA Structure, SLA Management, RBI Guidelines on Outsourcing IT Services – RBI Guidelines on Cyber Security (2016) & Digital Payment Security (2021): Cyber vs Information Security, RBI Cybersecurity Guidelines (2016), RBI Master Directions on Digital Payment Security (2021)

Check out the detailed CAIIB Paper 3 IT and Digital Banking Syllabus

CAIIB Elective Paper 4 Risk Management Syllabus

The CAIIB Elective Paper on Risk Management is divided into six modules: Module A: Risk and Risk Management Framework, Module B: Credit Risk, Module C: Market Risk, Module D: Operational Risk, Module E: Basel and RBI Guidelines on Risk Management, and Module F: Derivatives and Risk Management, along with an Appendix on Statistical Concepts. The detailed syllabus are as follows:

Module	Topics & Subtopics
Module A: Risk and Risk Management Framework	– Why Banks are Special: Functions, Role in Economy, Uniqueness – Risks and Risk Management in Banks: Risk definition, Types of Risks (Financial & Non-Financial), Interconnectedness, Business vs Control Risk, Banking Reforms, New Trends – Risk Management Framework: Lessons from Crisis, Risk Culture, Risk Appetite, Risk Limits, Identification, Measurement, Mitigation, Monitoring, MIS, Enterprise Risk Management (ERM) – Asset Liability Management (ALM) & Interest Rate Risk: Objectives, ALM Process, Duration GAP, Stress Testing, Risk Mitigation – Liquidity Risk Management: Liquidity vs Solvency, Types, Balance Sheet impact, Identification & Measurement
Module B: Credit Risk	– Credit Risk Management Framework: Obligor vs Portfolio Risk, Systematic vs Unsystematic Risk, Credit Risk Culture, Loan Policy, Underwriting Criteria, Due Diligence, Organization Structure – Obligor/Borrower Risk: Business Risk, Financial Risk, Industry Risk, Entity Level Risk – Credit Rating System: Internal & External Ratings, Assignment, Features, Usefulness – Portfolio Credit Risk: Systematic & Unsystematic Risk, Concentration & Correlation Risks – Credit Risk Models: Types & Uses – Measurement of Credit Risk: PD, LGD, EAD, RAROC, Economic Capital, Risk-Based Pricing – Credit Derivatives: CDS, TRS, Credit Options, Credit-Linked Notes, Protection Buyer/Seller
Module C: Market Risk	– Market Risk Overview: Trading Portfolio, Interest Rate, Equity, FX, Commodity Price Risk, Liquidity, Counterparty & Model Risk – Market Risk Management Framework: Org Structure, Strategy, Policies – Fixed Income Securities: Bond Valuation, GOI Bonds, Indian Bond Market – Measurement of Interest Rate Risk: PVBP, Duration, Modified Duration, Convexity, Portfolio Hedging – Value at Risk (VaR): Definitions, Methodologies, Pros & Cons, Stress Testing, Back Testing, Extreme Value Theory
Module D: Operational Risk	– Operational Risk Framework: Definition, Culture, Identification, Policy Guidelines – Loss Data Collection: Internal & External Loss Data, Near Misses, Root-Cause Analysis – RCSA & KRI: Process, Control Effectiveness, Risk Zones, KRIs, Scenario Analysis – Technology Risk: Information Security Principles, Governance, ISO 27001, Cyber Frauds, Business Continuity, Vendor Risk, Emerging Technologies – Corporate Governance: Basel Committee Guidelines, Risk Governance in Banking – Climate Risk & Sustainable Finance: Basel Guidance, Financial Risks from Climate Change, Green Finance
Module E: Basel and RBI Guidelines on Risk Management	– Why Banks Need Regulation?: Indian & Global Regulations, Basel Committee, Basel I, II, III – Global Financial Crisis & Basel III: Shortcomings & Reforms – Regulatory Capital & Adequacy: Capital Regulations, Standardized & IRB Approach, Credit Risk Mitigation, Off-Balance Sheet Items – Capital Against Market & Operational Risk: VaR-based Charges, BIA, SA, AMA, New Standardized Approach – ICAAP & Supervisory Review: Pillar 2, Stress Tests, Capital Planning, Risk Appetite, RBI Guidelines – Stress Testing & PCA Framework – Market Discipline: Disclosures, Validation, Regulatory Principles – Basel III Buffers & Ratios: CCB, CCyB, D-SIBs, Leverage & Liquidity Ratios – Risk Based Supervision (RBS): RBI Framework, Supervisory Tools – Risk Based Internal Audit: Policy, Oversight, Risk Profiling, Communication
Module F: Derivatives and Risk Management	– Derivatives Overview: Features, OTC vs Exchange, Uses & Misuse, Indian Market – Forward Contracts: Pricing, FRA, Payoffs, Risks – Futures: Clearing House, Margins, Pricing, Delivery, Settlement, Contango & Backwardation – Options: Call & Put, Pricing, Interest Rate Options – Swaps: IRS, Cash Flow Calculations, Swaptions
Appendix: Statistical Concepts	– Statistical Measures: Mean, Median, Dispersion, Skewness, Kurtosis, Correlation, Regression, Beta, Portfolio Diversification – Probability Theory: Probability, Random Variables, Distributions (Binomial, Poisson, Normal), VaR, Option Valuation

Check out the detailed CAIIB Paper 4 Risk Management Syllabus

CAIIB Elective Paper 5 Central Banking Syllabus

The CAIIB Elective Paper on Central Banking is divided into six modules: Module A: Rationale and Functions of Central Bank, Module B: Central Banking in India, Module C: Monetary and Credit Policies, Module D: Management of Foreign Exchange Reserves and Constituents of Indian Financial Market, Module E: Regulation, Supervision and Financial Stability, and Module F: Non-Banking Financial Companies and Primary Dealers, along with an Appendix on Committees, International Institutions, Cryptocurrencies, CBDC, and Sustainable Finance.

Module	Topics & Subtopics
Module A: Rationale and Functions of Central Bank	– Theory and Practice of Central Banking: Global evolution, proliferation of central banks, conflicting roles, development in developed & developing nations – Functions: Banker to govt & banks, lender-of-last-resort, monetary policy, currency issue, payment & settlement, maintaining internal & external value, supervision of financial system, financial stability, promotional functions, communication policies – Contemporary Issues: Autonomy, credibility, accountability, transparency, conflict with fiscal policies
Module B: Central Banking in India	– Reserve Bank of India: Organizational evolution, structure & governance, functional developments, RBI Act 1934 – Indian-Specific Issues: Banking Regulation Act, FEMA, Ombudsman Scheme 2006, financial reforms, regulators, RBI institutions – Financial Inclusion & Development: Impediments, policy interventions, digital structure, payment vs credit focus, issues & resolutions, financial inclusion plans
Module C: Monetary and Credit Policies	– Monetary Policy: Theory, objectives, rules vs discretion, policy indicators & instruments (SLR, credit controls), transmission mechanisms, transparency, lags, policy formulation in India, handling large capital inflows, recent initiatives – Credit Policy: Theory & practice, nominal vs real credit, allocation mechanisms, instruments (margins, rationing, pricing) – Fiscal-Monetary Relations: Inflation vs growth balance, finances of central & state governments (2020–22), Finance Commission, fiscal roadmap – Liquidity Management: LAF evolution, revised framework, OMOs, RBI Covid-19 measures, liquidity in money, G-sec, corporate bond & equity markets
Module D: Management of Foreign Exchange Reserves & Constituents of Indian Financial Market	– Forex Reserves Management: Legal framework, risk & operational controls, transparency, sources & adequacy, gold reserves, FCA investment pattern, recent developments – Indian Financial System Structure: Market development, money, G-sec, forex, reform & post-reform growth, LIBOR transition, financial benchmarks governance
Module E: Regulation, Supervision and Financial Stability	– Evolution of Regulation & Supervision: Theory, global backdrop, monetary vs supervisory integration, Indian perspective – Scheduled Commercial Banks: Evolution (1950–2021), prudential requirements, risk management, regulation, supervision, recent operations & performance – Co-operative Banks: Growth, dual control issues, strengthening regulatory framework, supervisory reforms, recent developments – Financial Stability: Global crises, risks, early warning signals, Basel II/III, impact of liberalization & globalization, transparency, best practices, international standards & codes
Module F: Non-Banking Financial Companies (NBFCs) & Primary Dealers (PDs)	– NBFCs: Registration, categories, growth & prudence, RBI’s role, regulatory & supervisory policies, scale-based framework, SARFAESI, dividend rules, PCA framework, pandemic impact – Primary Dealers: Evolution, eligibility, role in G-sec market, liquidity support, operations, financial performance, regulatory guidelines, investment norms, risk management
Appendix	– Important RBI Committees – Major International Financial Institutions (genesis, objectives, functions) – Cryptocurrencies & CBDC – RBI Report on Sustainable Finance – Glossary of Central Banking Terms

Check out the detailed CAIIB Paper 5 Central Banking Syllabus

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