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 August 2026 exam?
The IIBF has released the CCP exam schedule for the August 2026 cycle. The registration process started on 20th August 2026, and candidates can apply until 23rd August 2026. The online examination will be conducted on 30th August 2026. Candidates should complete the registration within the prescribed dates and keep their application details safe for future use.
| Exam Date | Day | Registration Start Date | Registration End Date |
|---|
| 30th August 2026 | 5th Sunday | 20th August 2026 | 23rd August 2026 |
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.
| Topic | Details Covered |
|---|
| Principles of Lending | • Safety
• Liquidity
• Profitability
• Purpose of Loan
• Diversification of Risk |
| Model Credit Policy | • Importance of Credit Policy
• Key Contents
• Exposure Norms
• Model MSE Policy |
| Types of Borrowers | • Individuals
• Major and Minor
• Married Women
• Pardhanashin Women
• Illiterate Persons
• Agents and Attorneys
• Joint Borrowers
• Hindu Undivided Family (HUF)
• Proprietorship Firms
• Partnership Firms
• Limited Companies
• Statutory Companies
• Holding Companies
• Government Companies
• Private Limited Companies
• Public Limited Companies
• Limited Liability Partnerships (LLPs)
• Registration of Charges |
| Types of Credit Facilities | • Cash Credit
• Overdrafts
• Demand Loans
• Bills Finance
• Drawee Bill Scheme
• Bills Discounting |
| Credit Delivery | • Types of Credit Facilities
• Modes of Credit Delivery
• Sole Banking Arrangement
• Multiple Banking Arrangement
• Consortium Lending
• Syndication
• Credit Thrust
• Credit Priorities
• Credit Acquisitions
• Statutory and Regulatory Restrictions on Advances |
| Credit Appraisal | • Validation of Credit Proposal
• Dimensions of Credit Appraisal
• Six Cs of Credit
• Loan Documentation
• Credit Risk
• Credit Risk Rating
• Borrower Creditworthiness
• Purpose of Loan
• Source of Repayment
• Cash Flow
• Collateral |
| Credit Rating | • Measurement of Risk
• Objectives of Credit Rating
• Internal Rating
• External Rating
• Credit Rating Models
• Rating Methodology
• Comparison of Internal and External Ratings
• Model Rating Formats |
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.
| Topic | Details Covered |
|---|
| Balance Sheet Analysis | • Definition of Balance Sheet
• Balance Sheet and Banker
• Classification of Assets and Liabilities
• Current Assets
• Fixed Assets
• Non-current Assets
• Intangible Assets
• Fictitious Assets
• Current Liabilities
• Medium and Term Liabilities
• Capital and Reserves
• Classification of Current Assets and Current Liabilities
• Balance Sheet Analysis |
| Profit & Loss Account | • Analysis of Profit & Loss Account
• Auditor's Notes |
| Ratio Analysis | • Classification of Ratios
• Liquidity Ratios
• Leverage Ratios
• Activity Ratios
• Profitability Ratios
• Other Important Ratios
• Interpretation of Important Financial Ratios
• Uses of Financial Ratios |
| Fund Flow & Cash Flow Statements | • Fund Flow Statements
• Fund Flow Techniques
• Cash Flow Statements
• Cash Flow Techniques
• Illustrations |
| Project/Term Loan Appraisal | • Technical Appraisal
• Commercial/Market Appraisal
• Managerial Appraisal
• Financial Appraisal
• Economic Appraisal
• Environmental Appraisal |
| Project Financial Analysis | • Project Cost
• Means of Finance
• Cost of Production
• Profitability Analysis
• Sensitivity Analysis
• Break-even Analysis |
| Capital Budgeting | • Payback Period Method
• Time Value of Money
• Net Present Value (NPV)
• Internal Rate of Return (IRR)
• Life of the Project |
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.
| Topic | Details Covered |
|---|
| Working Capital Assessment | • Concept of Working Capital
• Gross Working Capital
• Net Working Capital
• Working Capital Gap
• Components of Working Capital
• Sources of Working Capital
• Operating/Working Cycle
• Computation of Storage/Retention Period |
| Methods of Working Capital Assessment | • Turnover Method
• MPBF (Maximum Permissible Bank Finance) Method
• Cash Budget System
• Computation Illustrations
• Loan Delivery System |
| Cash Flow & Credit Analysis | • Cash Flow Analysis
• Commercial Paper
• Credit Delivery Methods
• CMA Data Analysis |
| Working Capital Finance | • Impact of Inadequate Working Capital
• Working Capital Finance for IT and Software Industry |
| Quasi Credit Facilities | • Meaning and Advantages of Non-Fund-Based Facilities
• Types of Non-Fund-Based Facilities
• Letters of Credit (LCs)
• Assessment of LC Limits
• Bills Purchase/Discounting under LC |
| Bank Guarantees | • Performance Guarantee
• Financial Guarantee
• Deferred Payment Guarantee
• Types of Performance and Financial Guarantees
• Assessment of Bank Guarantee Limits
• Period of Claim under Guarantee |
| Co-acceptance Facilities | • RBI Guidelines
• Co-acceptance of Bills
• Bills Covering Supply of Goods and Machinery |
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.
| Topic | Details Covered |
|---|
| Export Finance | • Pre-Shipment Finance
• Export Packing Credit in Rupees
• Running Account Facility
• Pre-shipment Credit to Sub-suppliers
• Pre-shipment Credit to Construction Contractors
• Export Credit to Processors/Exporters
• Agri Export Zones
• Export Credit Insurance
• Whole Turnover Packing Credit |
| Foreign Currency Export Finance | • Pre-Shipment Credit in Foreign Currency (PCFC)
• Running Account Facility in All Currencies
• Post-Shipment Finance in Foreign Currency |
| Post-Shipment Export Finance | • Post-Shipment Rupee Export Finance
• Purchase of Export Bills
• Discounting of Export Bills
• Negotiation of Export Bills
• Export on Consignment Basis
• Crystallisation of Export Bills |
| Other Export Credit Topics | • Deemed Exports
• Diamond Dollar Account Scheme
• Advance Against Duty Drawback Entitlements
• ECGC Whole Turnover Post-Shipment Guarantee Scheme
• Interest Rate of Rupee Export Credit
• ECNOS
• Rupee Export Credit Interest Rate Subvention
• Gold Card Scheme for Exporters |
| Priority Sector Lending & Government Schemes | • Categories of Priority Sector Borrowers
• Direct Agriculture Finance
• Indirect Agriculture Finance
• Direct MSME Finance
• Indirect MSME Finance
• Micro Credit
• 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 to Weaker Sections
• Export Credit
• Differential Rate of Interest (DRI) Scheme |
| Priority Sector Targets | • Priority Sector Lending Targets
• Applicable Categories under Priority Sector Lending |
| Retail Loans | • Characteristics of Retail Loans
• Advantages of Retail Loans
• Retail Banking vs Corporate Banking
• Various Retail Banking Products |
| Retail Banking Products | • Home Loans
• Vehicle Loans
• Personal Loans
• Pensioner Loans
• Property Loans
• Holiday Loans
• Gold Loans
• Education Loans
• Other Model Retail Banking Products |
| CERSAI | • Guidelines on CERSAI Registration |
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.
| Topic | Details Covered |
|---|
| Documentation | • Meaning and Importance of Documentation
• Types of Documents
• Requisites of Documentation
• Selection of Documents
• Stamping of Documents
• Mode and Time of Stamping
• Remedies for Unstamped/Under-stamped Documents
• Documents Requiring Compulsory Registration
• Time Limit for Registration
• Consequences of Non-registration
• Execution of Documents
• Mode of Execution by Different Executants |
| Limitation & Enforcement | • Period of Limitation
• Law of Limitation for Guarantor
• Extension of Period of Limitation
• Enforcement of Documents
• Death of Borrower or Guarantor |
| Types of Charges | • Purpose of Charges
• Types of Security
• Lien
• Negative Lien
• Set-off
• Assignment
• Pledge
• Hypothecation
• Mortgage |
| Pledge & Mortgage | • Rights of Banker as Pledgee
• Duties of Banker as Pledgee
• Different Types of Mortgages
• Simple Mortgage
• Equitable Mortgage
• Difference Between Simple and Equitable Mortgage |
| Credit Monitoring, Supervision & Follow-up | • Meaning of Credit Monitoring
• Goals of Credit Monitoring
• Credit Monitoring Process
• Different Monitoring Tools
• Monitoring Checklists
• Monitoring Through Various Statements
• QIS Formats and Guidelines
• Credit Supervision
• Credit Follow-up |
| Management of Impaired Assets | • Introduction to Impaired Assets
• NPA and Its Causes
• NPA Management Policy
• Definition of Sick Unit
• Non-Performing Assets (NPA)
• Income Recognition Policy
• Asset Classification
• Guidelines on Asset Classification
• Provisioning Norms for NPAs
• Provisioning Coverage Ratio (PCR) |
| Projects & Stressed Assets | • Projects Under Implementation
• Project Loans in Infrastructure Sectors
• Project Loans in Non-Infrastructure Sectors
• Projects in Commercial Real Estate Sector
• Take-out Finance
• Options Available to Banks for Stressed Assets |
| Restructuring of Advances | • Prudential Guidelines on Restructuring
• Eligibility Criteria for Restructuring
• Asset Classification Norms for Restructured Assets
• Revised Prudential Guidelines
• General Provision on Restructured Standard Accounts
• Upgradation of Restructured Accounts
• Rehabilitation
• Viability Period
• Viability Parameters
• Incentives for Quick Implementation of Restructuring Package |
| Corporate Debt Restructuring | • Corporate Debt Restructuring (CDR) Mechanism
• CDR Structure
• CDR Operations
• RBI Framework for Distressed Assets |
| Wilful Defaulters & Legal Action | • Wilful Defaulters
• Penal Measures
• Compromise
• Legal Action
• Civil Litigation
• Pre-filing Precautions
• Post-filing Precautions
• Types of Decrees
• Modes of Execution of Decree |
| Recovery Measures | • Lok Adalats
• Debt Recovery Tribunal (DRT)
• SARFAESI
• Write-off |
| Fair Practices | • Applicability of Fair Practices
• Loan Processing
• Loan Assessment
• Loan Disbursement
• Loan Administration
• Recall/Repayment of Loan
• Grievance Redressal Mechanisms |
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. |
