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
FAQs
Q1. What are the subjects included in the JAIIB syllabus?
Ans: The JAIIB syllabus includes four papers: IE & IFS, PPB, AFM, and RBWM.
Q2. How many modules are there in each JAIIB paper?
Ans: Each JAIIB paper contains four modules, covering both conceptual and practical aspects of banking.
Q3. Does the JAIIB syllabus include case-based questions?
Ans: Yes, case-based and application-oriented questions are included across all subjects.
Q4. Is accounting difficult in the JAIIB syllabus?
Ans: The AFM paper includes numerical topics, but with proper practice of accounting principles and financial management concepts, it becomes manageable.
Q5. Does the JAIIB syllabus cover digital banking topics?
Ans: Yes, digital banking, banking technology, and modern financial services are included under PPB and IE & IFS.
Q6. How many papers are there in the CAIIB syllabus?
Ans: CAIIB consists of four compulsory papers and one elective paper chosen by the candidate.
Q7. What are the main subjects covered under the compulsory CAIIB papers?
Ans: The compulsory papers include ABM, BFM, ABFM, and BRBL.
Q8. Are advanced financial and risk topics part of the CAIIB syllabus?
Ans: Yes, CAIIB covers advanced areas such as risk management, treasury, balance sheet management, valuation, and business strategy.
Q9. What elective subjects are available in the CAIIB syllabus?
Ans: Electives include Rural Banking, HRM, IT & Digital Banking, Risk Management, and Central Banking.
Q10. Does the CAIIB syllabus focus on practical banking applications?
Ans: Absolutely. CAIIB emphasizes real-world banking decisions, advanced analytics, regulatory understanding, and strategic management for career growth.
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