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CAIIB Subjects 2026

The CAIIB examination consists of the following papers:

Candidates can select one of these five elective subjects:

• Rural Banking

• Human Resources Management

• Information Technology and Digital Banking

• Risk Management

• Central Banking

CAIIB Paper 1: Advanced Bank Management Syllabus

Advanced Bank Management covers statistics, human resource management, credit management, compliance and corporate governance.

Module A: Statistics

Important topics include:

• Collection, classification and presentation of data

• Sampling methods

• Measures of central tendency

• Measures of dispersion

• Skewness and kurtosis

• Correlation and regression

• Time-series analysis

• Probability and probability distributions

• Estimation

• Linear programming

• Simulation

Module B: Human Resource Management

Important topics include:

• Fundamentals of human resource management

• Human resource development

• Development of human resources

• Human behaviour in organisations

• Performance management

• Competency mapping

• Human Resource Information System

• Human Resource Management System

• Electronic HRM

• Knowledge management

• HR analytics

Module C: Credit Management

Important topics include:

• Overview of credit management

• Principles of bank lending

• Credit appraisal and assessment

• Financial-statement analysis

• Working-capital finance

• Term loans and project appraisal

• Documentation and creation of security

• Credit monitoring

• Management of stressed accounts

• Rehabilitation and restructuring

• Insolvency and bankruptcy

Module D: Compliance in Banks and Corporate Governance

Important topics include:

• Compliance policy and compliance function

• Compliance audit

• Governance structure

• Compliance risk

• Governance, risk and compliance

• Role of the chief compliance officer

• Whistle-blower policy

• Fraud risk and vigilance

• Corporate-governance principles

• Compliance requirements applicable to banks and NBFCs

CAIIB Paper 2: Bank Financial Management Syllabus

Bank Financial Management focuses on international banking, risk management, treasury operations and balance-sheet management.

Module A: International Banking

Important topics include:

• Foreign-exchange markets

• Exchange rates and forex arithmetic

• Correspondent banking

• NRI banking and accounts

• Liberalised Remittance Scheme

• Letters of credit

• Documentary collections

• Export and import finance

• External commercial borrowings

• Trade credit

• International payment systems

• International banking regulations and practices

Module B: Risk Management

Important topics include:

• Risk-management framework

• Credit risk

• Market risk

• Operational risk

• Liquidity risk

• Interest-rate risk

• Integrated risk management

• Enterprise-wide risk management

• Basel norms

• Basel III liquidity standards

• Risk measurement and control

Module C: Treasury Management

Important topics include:

• Role and functions of treasury

• Integrated treasury management

• Treasury products

• Money and capital markets

• Foreign-exchange markets

• International equity and debt markets

• CRR, SLR and liquidity-management operations

• Treasury risk management

• Derivative products

• Asset-liability management

Module D: Balance-Sheet Management

Important topics include:

• Components of a bank’s balance sheet

• Management of assets and liabilities

• Capital adequacy under Basel norms

• Asset classification and provisioning

• Liquidity management

• Interest-rate risk management

• Profit planning

• Risk-adjusted return on capital

• Balance-sheet risks and their measurement

CAIIB Paper 3: Advanced Business and Financial Management Syllabus

ABFM covers management principles, advanced financial management, corporate valuation, mergers and emerging business solutions.

Module A: The Management Process

Important topics include:

• Fundamentals of management

• Planning and decision-making

• Organising

• Staffing

• Directing

• Leadership and motivation

• Communication

• Coordination and control

• Strategic management

• Business environment

Module B: Advanced Financial Management

Important topics include:

• Financial-management objectives

• Sources of finance

• Capital structure

• Financial and operating leverage

• Cost of capital

• Capital-investment decisions

• Capital budgeting

• Risk analysis

• Working-capital management

• Financial decision-making

Module C: Valuation, Mergers and Acquisitions

Important topics include:

• Fundamentals of corporate valuation

• Discounted cash-flow valuation

• Relative valuation

• Book-value and market-value approaches

• Valuation of equity and debt

• Special valuation situations

• Mergers and acquisitions

• Corporate restructuring

• Financial evaluation of mergers

Module D: Emerging Business Solutions

Important topics include:

• Hybrid financing

• Start-up financing

• Private equity

• Venture capital

• Alternative sources of business finance

• Emerging financial solutions

• Technology-driven business models

• Sustainable and innovative finance

CAIIB Paper 4: Banking Regulations and Business Laws Syllabus

BRBL covers the principal regulations, statutes and commercial laws applicable to banking operations in India.

Module A: Regulations and Compliance

Important topics include:

• Reserve Bank of India Act, 1934

• Banking Regulation Act, 1949

• Licensing of banking companies

• Governance and management of banks

• Returns, inspection and audit

• Regulation of different categories of banks

• Regulation of non-banking financial companies

• Compliance requirements and supervisory framework

Module B: Important Acts and Laws – Part A

Important topics include:

• Prevention of Money Laundering Act, 2002

• Negotiable Instruments Act, 1881

• Foreign Exchange Management Act, 1999

• Payment and Settlement Systems Act, 2007

• Securities and modes of creating charge

• Registration and satisfaction of charges

• Banking-related statutory requirements

Module C: Important Acts and Laws – Part B

Important topics include:

• RBI Integrated Ombudsman Scheme

• Micro, Small and Medium Enterprises Development Act

• SARFAESI Act, 2002

• Recovery of Debts and Bankruptcy Act, 1993

• Insolvency and Bankruptcy Code, 2016

• Bankers’ Books Evidence Act, 1891

• Limitation Act, 1963

• Legal Services Authorities Act, 1987

• Other laws relevant to recovery and banking services

Module D: Commercial and Other Laws with Reference to Banking Operations

Important topics include:

• Indian Contract Act, 1872

• Contracts of indemnity and guarantee

• Bailment and pledge

• Contract of agency

• Sale of Goods Act, 1930

• Partnership Act, 1932

• Limited Liability Partnership Act, 2008

• Companies Act, 2013

• Transfer of Property Act, 1882

• Information Technology Act, 2000

• Electronic records and digital transactions

• Right to Information Act, 2005

CAIIB Elective Paper Syllabus

Candidates must select one elective paper. The choice should be based on professional responsibilities, existing knowledge and long-term career goals.

Rural Banking

The Rural Banking elective broadly covers:

• Rural India and the rural economy

• Rural infrastructure and development

• Financing rural development

• Agricultural and allied-sector finance

• Priority-sector lending

• Government initiatives and development schemes

• Financial inclusion

• Challenges and opportunities in rural banking

This elective may be suitable for candidates working in rural branches, agricultural finance, priority-sector lending or financial inclusion.

Human Resources Management

The Human Resources Management elective broadly covers:

• Human resource management

• HR strategy

• Organisational behaviour

• Motivation

• Training and skill development

• Performance management

• Talent management

• Personnel management

• Industrial relations

• Employee engagement and welfare

This elective may be suitable for candidates interested in HR, training, leadership or administrative roles.

Information Technology and Digital Banking

This elective broadly covers:

• Fundamentals of information technology

• Computer hardware, software and networks

• System analysis and design

• Core banking solutions

• Banking-technology applications

• Electronic-payment systems

• Digital banking products and channels

• Information-system security

• Cybersecurity controls

• IT audit and business continuity

This elective may be suitable for candidates working in digital banking, IT, cybersecurity, operations or technology-oriented roles.

Risk Management

The Risk Management elective broadly covers:

• Risk-management concepts and framework

• Credit risk

• Market risk

• Operational risk

• Liquidity risk

• Enterprise risk management

• Risk measurement and modelling

• Risk monitoring and mitigation

• Basel standards

• Risk governance and reporting

This elective may be suitable for candidates working in credit, risk, treasury, compliance or audit.

Central Banking

The Central Banking elective broadly covers:

• Rationale and functions of central banks

• Evolution of central banking

• Central banking in India

• Monetary and credit policies

• Monetary-policy instruments

• Currency management

• Payment and settlement systems

• Financial stability

• Foreign-exchange reserve management

• Regulation and supervision of financial institutions

This elective may be suitable for candidates interested in monetary policy, economics, regulation, treasury or central-bank functions.

CAIIB Exam Pattern 2026

Some numerical questions may require candidates to enter the answer directly instead of selecting it from multiple options.

Candidates should check the latest official CAIIB notification for confirmed examination dates, centres, eligibility conditions and instructions.

Regulatory Updates Applicable to CAIIB

Questions relating to banking regulations and financial rules may be based on the latest regulatory developments covered by the cut-off date prescribed by IIBF.

Under the usual IIBF rule, examinations conducted from September to February consider regulatory and banking developments up to 30 June. Accordingly, candidates appearing for the December 2026 session should prepare developments up to 30 June 2026, unless IIBF specifies otherwise.

How to Choose the Right CAIIB Elective

Consider the following factors before selecting your elective:

1. Choose a subject connected with your current role or department.

2. Review the complete syllabus and sample questions.

3. Consider your educational and professional background.

4. Evaluate the availability of reliable study material and mock tests.

5. Select a paper that supports your long-term banking career.

Avoid choosing an elective only because it is described as easy. Familiarity with the subject and genuine professional interest usually make preparation more manageable.

How to Prepare for the CAIIB Syllabus

A structured approach can make the extensive CAIIB syllabus easier to complete:

• Download or review the latest official IIBF syllabus.

• Divide every paper into modules and individual chapters.

• Begin with conceptual topics before attempting case studies.

• Practise numerical questions regularly for ABM, BFM and ABFM.

• Maintain separate notes for formulas and regulatory updates.

• Attempt topic-wise quizzes after completing every chapter.

• Revise banking laws, RBI guidelines and important definitions repeatedly.

• Take full-length mock tests under the two-hour time limit.

• Analyse incorrect answers and revise weak topics before the examination.

Prepare for CAIIB with MyOnlinePrep

MyOnlinePrep helps banking professionals prepare systematically with:

• Updated CAIIB study material

• Concept-based video classes

• Chapter-wise quizzes

• Numerical-question practice

• Full-length mock tests

• Performance analysis

• Current regulatory updates

• Exam-focused revision resources

Start your preparation early and track your progress across every subject and module.

Disclaimer: MyOnlinePrep is an independent examination-preparation platform and is not affiliated with IIBF. Examination rules, syllabus provisions and schedules are subject to change. Verify important information through official IIBF notifications.