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CAIIB Exam Pattern 2025, Papers, Marking Scheme, Exam Structure

Updated on Jul 08, 2025 13:12 IST

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CAIIB Exam Pattern: The Indian Institute of Banking & Finance conducts the Certified Associate of the Indian Institute of Bankers (CAIIB) Exam every year to assess banking professionals' knowledge in decision-making, risk management, and advanced banking concepts. The CAIIB exam is held twice a year once in June and again in November. The June 2025 cycle has been completed, and the November–December cycle is scheduled to begin from 30th November 2025. 

In this blog, we have provided the detailed exam pattern, paper-wise structure, marking scheme, and other key information to help you prepare effectively.

 

CAIIB Exam Pattern 2025 Overview

 

The CAIIB Exam consists of five papers, four compulsory and one elective. Each paper contains 100 multiple-choice questions, carrying one mark each, and has a duration of 2 hours. The detailed CAIIB Exam Pattern is as follows:

ParticularsDetails
Conducting BodyIndian Institute of Banking & Finance (IIBF)
Exam ModeOnline (Computer-Based Test)
Exam LevelNational
EligibilityJAIIB Certified Candidates
Exam FrequencyTwice a Year (June & November)
Official Websiteiibf.org.in

 

Take a Free CAIIB Mock Test Now

 

CAIIB Papers 2025

 

The CAIIB exam has a total of five papers, four compulsory and one elective. The elective paper allows candidates to choose a subject that matches their current role or future career goals. This helps in building deeper skills in specific areas of banking. Candidates can also change their elective paper in future attempts if needed. There are no exemptions based on past qualifications.

CategoryPaper Name
Compulsory Papers1. Advanced Bank Management (ABM)
2. Bank Financial Management (BFM)
3. Advanced Business & Financial Management (ABFM)
4. Banking Regulations and Business Laws (BRBL)

Elective Papers

(Choose anyone)

1. Rural Banking
2. Human Resources Management
3. Information Technology & Digital Banking
4. Risk Management
5. Central Banking

 

CAIIB Exam Pattern 2025

 

The CAIIB Exam 2025 is a professional certification exam conducted by the Indian Institute of Banking & Finance (IIBF). The exam is held in an online format and includes a combination of multiple-choice questions, case-based problems, and numerical input questions to assess both conceptual understanding and practical application. The detailed exam pattern is as follows:

FeatureDetails
Total Questions100 objective-type multiple-choice questions
Total Marks100 marks
Case-Based QuestionsIncludes case studies and case lets
Numerical Input QuestionsSome subjects include numerical questions requiring direct input (no options provided)
Exam ModeOnline (Computer-Based Test only)
Negative MarkingNo negative marking for wrong answers
Assessment Areas- Knowledge testing - Conceptual understanding - Problem-solving ability - Case analysis - Analytical/logical reasoning

 

CAIIB Exam Structure 2025

 

The CAIIB exam pattern consists of five papers, out of which four are compulsory and two are elective. Each paper includes 100 objective type multiple choice questions for 100 marks including questions based on case studies/ case lets. The IIBF may however vary the number of questions to be asked for a subject. 

Paper NameTotal MarksExam DurationPassing Marks
Advanced Bank Management (ABM)1002 Hours50 (or 45 with 50% aggregate)
Bank Financial Management (BFM)1002 Hours50 (or 45 with 50% aggregate)
Advanced Business & Financial Management (ABFM)1002 Hours50 (or 45 with 50% aggregate)
Banking Regulations & Business Laws (BRBL)1002 Hours50 (or 45 with 50% aggregate)
Elective Paper (Any One)1002 Hours50 (or 45 with 50% aggregate)

 

CAIIB Marking Scheme & Credit Limit

 

The CAIIB 2025 exam, follows a clearly defined marking scheme and a structured credit retention policy to assess candidates' expertise in banking and finance. Understanding these criteria is essential for exam planning and long-term success.

ComponentDetails
Question FormatMultiple Choice Questions (MCQs)
Total Questions per Paper100 questions
Total Marks per Paper100 marks
Marks per Question1 mark
Exam Duration2 hours (120 minutes)
Case-Based & Numerical InputSome questions may be case-based or require direct numerical input
Negative MarkingNo negative marking for incorrect answers
Minimum Pass Marks50 out of 100 OR 45 per paper with 50% aggregate (in one attempt)

CAIIB Credit Limit Policy

 

The credit limit refers to the retention period for passed subjects. If a candidate clears a paper but does not complete the exam fully, they can retain the credit for that subject under specific conditions.

CategorySubjectsCredit Status
Compulsory PaperAdvanced Bank Management (ABM)

Credit Allowed

 

Compulsory PaperBank Financial Management (BFM)
Elective PaperRisk Management
Elective PaperInformation Technology
Elective PaperCentral Banking
Elective PaperHuman Resources Management
Elective PaperRural Banking
Compulsory PaperAdvanced Business & Financial Management (ABFM)No Credit Allowed
Compulsory PaperBanking Regulations and Business Laws (BRBL)

Note: Candidates who passed subjects under the old CAIIB syllabus can carry forward their credits to the revised syllabus. However, the validity of those credits will follow the time-limit rule of the revised syllabus:

  • If a candidate has already used 3 attempts under the old syllabus, they will get 2 additional attempts under the new syllabus (total of 5 attempts).
  • The 3-year validity period will start from the date of registration for the first attempt under the old syllabus.
  • Credits will only be valid within this combined attempt/time limit window.

Credit Limit Duration & Attempts

 

The details of the credit limit duration are as follows:

ParameterDetails
Validity Period3 years from the date of registration
Maximum Attempts5 attempts, whichever is earlier
Retain Passed PapersYou can retain credits (passed subjects) during this period

 

CAIIB Passing Criteria & Class of Passing 

 

The Indian Institute of Banking & Finance sets specific criteria for passing the CAIIB 2025 examination, including minimum score requirements and classification of results. The details of the passing criteria and class of pass are as follows:

ConditionRequirement
Minimum Marks per Subject50 out of 100
Alternate Pass OptionAt least 45 marks in each subject + 50% aggregate across all subjects in a single attempt
Credit RetentionCandidates can retain marks for passed subjects within the exam time limit

CAIIB Class of Pass Criteria

 

The details of the class of passing criteria are as follows:

ClassEligibility Requirements
First Class- 60% or more aggregate marks- Pass in all subjects- In the first physical attempt
First Class with Distinction- 70% or more aggregate marks- Minimum 60 marks in each subject- In the first physical attempt
Pass Class- Applicable to all other candidates who pass the exam but do not meet the above class criteria

Note:

  • The first physical attempt means the first actual appearance in any subject of CAIIB. Even if you registered previously but didn't appear, it won't be counted as an attempt for class calculation.
  • Candidates who re-enroll after exhausting all allowed attempts under the time-limit rule will only be awarded a Pass Class, regardless of marks scored.

 

Attempt CAIIB Previous Year Papers

 

CAIIB Exam Attempts and Duration

 

To ensure timely certification and up-to-date knowledge in banking, the Indian Institute of Banking & Finance (IIBF) has set a time-bound attempt rule for the CAIIB 2025 Exam. The details of the number of attempts are as follows:

RuleDetails
Maximum Attempts Allowed5 attempts
Time Limit to Complete CAIIB3 years from date of first registration
Whichever Is Earlier RuleCandidate must complete within 5 attempts or 3 years, whichever is earlier
Consecutive AttemptsAttempts do not need to be consecutive
Counted AttemptsEvery time a candidate applies for the exam, it counts as an attempt—even if absent
After Time Limit/Attempts ExhaustedMust re-enrol as a fresh candidate; no credits from earlier subjects will be carried forward
Typical AvailabilityUsually, 6 exams are held in 3 years; candidate can appear in any 5 of them

 

CAIIB 2025 Detailed Topics and Module List

 

The details of the CAIIB Syllabus are as follows:

PaperSubjectTopics
Compulsory PapersAdvanced Bank Management (ABM)

Module A: Statistics for Business Decisions

Module B: Human Resource Management

Module C: Credit Management

Module D: Compliance in Banks and Corporate Governance

Bank Financial Management (BFM)

Module A: International Banking

Module B: Risk Management

Module C: Treasury Management

Module D: Balance Sheet Management

Advanced Business & Financial Management (ABFM)

Module A: Understanding Business Strategy

Module B: Strategic Planning Process

Module C: Financial Management

Module D: Business Valuation

Banking Regulations and Business Laws (BRBL)

Module A: Regulations and Compliance

Module B: Legal Aspects of Banking Operations

Module C: Important Business Laws Related to Banking

Module D: Commercial and Other Laws with Reference to Banking

Elective Papers Rural Banking

Module A: Rural India – Structure and Economy

Module B: Rural Banking and Financial Institutions

Module C: Priority Sector Financing and Government Initiatives

Module D: Problems and Prospects in Rural Banking

Human Resources Management

Module A: Human Resource Management

Module B: Building an HR Strategy

Module C: Motivation, Training, and Skill Development

Module D: HRM in Banks

Information Technology & Digital Banking

Module A: Information Technology in Banking

Module B: Digital Banking and Emerging Technologies

Module C: Applications in Banking

Module D: Security, Risks, and Controls

Risk Management

Module A: Risk and Risk Management Framework

Module B: Credit Risk Management

Module C: Operational Risk Management

Module D: Market Risk Management

Central Banking

Module A: Rationale and Functions of Central Bank

Module B: Monetary Policy and Liquidity Management

Module C: Supervision and Financial Stability

Module D: Currency Management and Payment Systems

 

CAIIB Exam Preparation Tips 2025

 

Although understanding the CAIIB exam pattern is crucial for efficient preparation and maximizing your score in 2025, there are other things to follow for sure success in CAIIB. Here are the CAIIB Exam preparation tips:

  • Understand the CAIIB Syllabus: Focus on all 4 compulsory & 1 elective paper.
  • Master Case Studies: Practice numerical & analytical case lets regularly.
  • Time Management: Solve mocks with a strict timer.
  • Concept Clarity: Strengthen fundamentals in banking, finance & regulations.
  • Use Short Notes: Summarize key formulas & concepts for quick revision.
  • Mock Tests & PYQs: Attempt previous year papers & full-length mocks.
  • Stay Updated: Follow banking news & RBI updates for practical insights.
  • Smart Revision: Revise tough topics frequently, focus on weak areas.

 

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