The CAIIB BRBL Exam was conducted on 14th December 2025, and thousands of banking professionals appeared to test their knowledge of banking regulations and business laws. This detailed analysis will help you understand the overall difficulty level, good attempts, and key takeaways from the exam. Whether you are preparing for upcoming attempts or seeking insight into the exam’s pattern, this article will guide you comprehensively.
CAIIB BRBL Exam Analysis 2025, 14 December Shift 1
The Shift 1 paper was moderate in difficulty and heavily focused on case-study-based questions. Many questions tested practical understanding of banking laws, recovery mechanisms, contracts, and regulatory frameworks. The major topics covered in Shift 1 are listed below.
- Case Study on SARFAESI
- FEMA Case Study
- Presiding Officer – Age and Tenure
- Payment and Settlement Systems
- SARFAESI Act
- Punishment under FEMA Act
- Case Study on Partnership and LLP
- Commercial Paper
- Director in LLP with NRI Status
- Winding Up of Bank
- Certified Copy under Bankers’ Books Evidence Act
- DRT Presiding Officer Tenure
- Ombudsman Scheme and DRT
- Contract Act
- MSME Limits
- Bailment
- Banking Regulation Act
- Waterfall Mechanism
- Asset Reconstruction Company (ARC)
- Recovery Officer
- Mortgage
- Prevention of Money Laundering Act (PMLA)
- Guarantee – Relevant Sections
- Partnership Act
- Indemnity
- ARC Net Owned Fund
- Acts Done in Good Faith – Partnership Act
- Cheque and Parties Involved
- Settlement of Dispute between Bank and ARC
- Case Study on COPA Act, 2019
- Balance Sheet Profit and Loss
- Case Study on Guarantee
- Third Schedule of Banking Regulation Act
CAIIB BRBL Exam Analysis 2025, 14 December Shift 2
According to candidates, Shift 2 was also of moderate difficulty, with a greater focus on direct statutory provisions, timelines, limits, and definitions. This shift tested candidates’ clarity on banking laws, company law, MSME provisions, and regulatory compliance.
- Maximum Age to Continue as MD and CEO
- Minimum Transfer to Reserve Fund from Net Profit
- Preservation Period of Records under PMLA
- Tenure of Chairman and Managing Director
- Minimum and Maximum Punishment under PMLA Section 4
- Time Limit for Registration of Charge by Company
- Lok Adalat
- COC Majority for Extension of CIRP Period
- MSME Investment and Turnover Criteria
- Chapters under MSME Act
- RTI Act – Time Limit for Appeal
- Attempt under Prevention of Corruption Act
- Appellate Authority under IT Act
- Conversion of One Person Company into Private/Public Company
- Appeal against Lok Adalat Award
- Number of Directors in a Public Company
- Definition of Data
- Waterfall Mechanism
- Priority in Equitable and Registered Mortgage
- Interim Compensation
- Cheque Bounce – Case Study
- MSME Act – Case Study
- DRT to DRAT
- Definition of Banking
- Judge under Bankers’ Books Evidence Act
- Transfer of Actionable Claim
- Definition of Borrower
- CERSAI – Governing Act
- Unclaimed Deposit – Case Study
- PMLA – Case Study
- Minimum Number of Directors in a Private Company
CAIIB BRBL Exam 2025 Memory-Based Paper, June Cycle, Shift 1
The CAIIB BRBL Exam 2025 Shift 1 has been successfully conducted. As per candidate feedback, the overall difficulty level of the exam was moderate. To help aspirants understand the exam pattern and prepare better for upcoming shifts, we’ve compiled a list of important topics that were asked in Shift 1.
| S.No. | Topic / Question |
| 1 | Case Study on Mortgage |
| 2 | Moharbibi Case |
| 3 | Minor Act |
| 4 | Committee of Creditors |
| 5 | IT Act (Information Technology Act) |
| 6 | Banking Director Tenure |
| 7 | Minimum Number of Members in a Public Company |
| 8 | Capital Requirement for ARC (Asset Reconstruction Company) |
| 9 | Moharbibi vs Dharmodas Case |
| 10 | Bailment |
| 11 | Indemnity Contract |
| 12 | Equitable Mortgage |
| 13 | RTI Appellant Theory |
| 14 | RTI Case Study |
| 15 | SARFAESI Act – Case Study |
| 16 | Power to Remove Auditor – For How Many Years? |
| 17 | FEMA Act & PCA – Minimum and Maximum Penalty and Imprisonment |
| 18 | Local Area Banks |
| 19 | DRT – DRAT (Debt Recovery Tribunal / Appellate Tribunal) |
| 20 | Word for a Bank Accepting Deposits and Lending |
| 21 | Sponsor Bank |
| 22 | Conversion Meaning under Negotiable Instruments Act |
| 23 | Negotiable Instruments Act – Overview |
| 24 | Section 17(2) – NI Act |
| 25 | Minimum Number of Directors in a Public Company |
| 26 | Paid-Up Capital Requirement for Small Finance Bank |
| 27 | FEMA Act – Fine Details |
| 28 | Pledge |
| 29 | Mixing of Goods by Bailee |
| 30 | Percentage of Stakeholders in Regional Rural Banks (RRBs) |
CAIIB BRBL Exam 2025 Memory-Based Paper, June Cycle, Shift 2
The questions asked in the CAIIB BRBL 2025 Shift 2 were moderate to tough. Given below are the important topics for the CAIIB BRBL Exam 2025 Analysis Shift 2:
| Topic Category | Topic/Concept |
| Banking & Regulatory Acts | Insolvency & Bankruptcy Code (IBC), 2016, FEMASARFAESI Act, Section 35 of Banking Regulation Act, RBI Establishment Provision |
| Company Law | Minimum & Maximum Number of Members in Private & Public Companies Government Company – Definition |
| Banking Structure | Local Area Bank, Small Finance Bank, Banking Business Security Receipt |
| Insolvency Framework | NCLT (National Company Law Tribunal) CIRP (Corporate Insolvency Resolution Process) |
| Judicial & Redressal Bodies | DRT/DRAT (Debt Recovery Tribunal / Appellate Tribunal) |
| RTI Act | RTI (General Provision and Case Study-Based Question) |
| Limitation Act | Limitation in context of legal claims Limitation of Mortgage |
CAIIB BRBL Exam 2025 Memory-Based Paper, June Cycle, Shift 3
The questions asked in the CAIIB BRBL 2025 Shift 3 were moderate to tough. Given below are the important topics for the CAIIB BRBL Exam 2025 Analysis Shift 3:
| S. No. | Topic / Question |
| 1 | IBC (Insolvency and Bankruptcy Code) |
| 2 | RTI (Right to Information Act) |
| 3 | Limitation Act |
| 4 | Board of Directors – Provisions and Structure |
| 5 | Saloman v. Saloman & Co.—Landmark Company Law Case |
| 6 | If a case is filed in more than one DRT—jurisdiction handling |
| 7 | Adjournment—Role of Presiding Officer in DRT |
| 8 | Equitable Mortgage – Benefits |
| 9 | Case Study on Negotiable Instruments Act (NI Act) |
| 10 | Case Study on Mortgage |
| 11 | RBI Act – Key Provisions |
| 12 | Cheque – Legal Definition and Provisions |
| 13 | LLP (Limited Liability Partnership) |
| 14 | Section 143(A) – NI Act – Interim Compensation on Cheque Bounce |
| 15 | Banking Regulation Act |
| 16 | Payment and Settlement Systems Act – Year of Enactment |
| 17 | Small Company – Definition and Criteria |
| 18 | Minimum Amount to Initiate IBC Proceedings |
| 19 | Requirement of Woman Director – Company Law |
| 20 | Maximum Paid-Up Share Capital for Classification (Small Company) |
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