How many papers are there in CAIIB 2026?

There are 5 papers in total: 4 compulsory and 1 elective. All must be cleared to earn the CAIIB certification.

Is there negative marking in CAIIB?

No. There is no negative marking for wrong or unanswered questions in any CAIIB paper.

What is the passing mark for each CAIIB paper?

Candidates must score a minimum of 50 out of 100 in each paper. Alternatively, scoring 45 in each paper with an overall 50% aggregate in a single attempt also qualifies as a pass.

Can I change my elective paper?

Yes. If the elective paper is not cleared, candidates can choose a different elective in a subsequent attempt.

Is CAIIB conducted in Hindi?

Yes. The exam is bilingual and available in both English and Hindi.

CAIIB Exam Pattern 2026: Compulsory and Elective Papers, Marking Scheme

The CAIIB Exam Pattern 2026 consists of 5 papers, 4 compulsory and 1 elective, each carrying 100 marks. There is no negative marking. All papers are conducted online on separate days. To pass, candidates must score at least 50 out of 100 in each paper. Read on for paper-wise details, marking scheme, passing criteria, module list, and everything else you need to plan your preparation.

CAIIB Exam Pattern 2026

IIBF CAIIB 2026 Exam will take place from 6th to 27th December 2026, and it is important to have a qualified JAIIB to appear for it. The candidate must be aware of the CAIIB Paper Pattern and Syllabus, as without it, cracking the exam is not possible. So, for a clear understanding, we have discussed the exam pattern and some important aspects of it.

CAIIB Exam Pattern – Highlights

Particular	Details
Conducting Body	Indian Institute of Banking and Finance (IIBF)
Mode of Exam	Online (Computer-Based Test)
Total Papers	5 (4 Compulsory + 1 Elective)
Questions per Paper	100
Marks per Paper	100
Duration per Paper	2 Hours
Question Type	Multiple Choice Questions (MCQs) and some Numerical Questions requiring typed answers
Exam Language	English and Hindi
Negative Marking	No
Passing Marks	50 out of 100 in each paper
Exam Frequency	Twice a year (June–July and November–December)

CAIIB Papers 2026

Paper Type	Paper Name
Compulsory Paper	Paper 1: Advanced Bank Management(ABM) Paper 2: Bank Financial Management(BFM) Paper 3: Advanced Business and Financial Management (ABFM) Paper 4: Banking Regulations and Business Laws (BRBL)
Elective Paper	Paper 5: Elective Paper (Rural Banking, Human Resources Management, Information Technology and Digital Banking, Risk Management, Central Banking)

CAIIB Exam Pattern 2026: Marks and Duration

Each paper carries 100 questions worth 1 mark each. Most questions are MCQ-based; some require candidates to type in numerical answers. The exam is available in both English and Hindi.

CAIIB Exam Pattern 2026
Paper	Subjects	No. of Questions	Marks	Duration
I	Advanced Bank Management(ABM)	100	100	2 hour
II	Bank Financial Management (BFM)	100	100	2 hour
III	Advanced Business and Financial (ABFM) Management	100	100	2 hour
IV	Banking Regulations and Business Laws (BRBL)	100	100	2 hour
V	Elective Paper (Any One)	100	100	2 hour

CAIIB Marking Scheme and Negative Marking

Each correct answer carries 1 mark
There is no negative marking for wrong or unanswered questions
Candidates are advised to attempt all 100 questions in each paper

CAIIB Papers: Qualifying Marks & Passing Criteria

To successfully clear the CAIIB (Certified Associate of Indian Institute of Bankers) examination, candidates must fulfill the following criteria:

Minimum Qualifying Marks:

Pass Marks (Per Subject): A minimum of 50 out of 100 marks is required in each subject.
Aggregate Passing (Single Attempt): If a candidate scores at least 45 marks in each subject and achieves an overall aggregate of 50%, they will be considered to have passed the exam in that single attempt.
Credit Retention: Candidates who pass one or more papers can retain credits for the passed subjects until the examination’s validity period expires.

CAIIB Class of Pass (2026)

Class	Conditions
Pass	Minimum 50 marks in each paper or qualification through the aggregate passing criteria prescribed by IIBF
First Class	Aggregate score of 60% or above across all papers and all papers cleared in the first physical attempt
First Class with Distinction	Aggregate score of 70% or above across all papers, with at least 60% marks in each paper, and all papers cleared in the first physical attempt

CAIIB Attempt Limit and Credit Retention

Candidates get a maximum of 5 attempts within 3 years to clear all papers
Papers already cleared are credited and carried forward – you only reappear for pending papers
If you exhaust all 5 attempts or the 3-year period ends (whichever is earlier), you must re-enroll as a fresh candidate and all previous credits lapse

Attempt CAIIB Mock Test 2026 Now

CAIIB Paper-wise Modules 2026

The paper-wise modules to be covered is given below. For more details about topics, you can check CAIIB Syllabus 2026.

CAIIB Paper-wise Modules Name (Compulsory Paper)
Paper	Module Names
Paper 1: Advanced Bank Management (ABM)	– Module A: Statistics – Module B: Human Resource Management – Module C: Credit Management – Module D: Compliance in Banks & Corporate Governance
Paper 2: Bank Financial Management (BFM)	– Module A: International Banking – Module B: Risk Management – Module C: Treasury Management – Module D: Balance Sheet Management
Paper 3: Advanced Business & Financial Management (ABFM)	– Module A: The Management Process – Module B: Advanced Concepts of Financial Management – Module C: Valuations, Mergers, & Acquisitions – Module D: Emerging Business Solutions
Paper 4: Banking Regulations and Business Laws (BRBL)	– Module A: Regulations and Compliance – Module B: Important Acts/Laws & Legal Aspects of Banking Operations (Part A) – Module C: Important Acts/Laws & Legal Aspects of Banking Operations (Part B) – Module D: Commercial & Other Laws with Reference to Banking Operations
Elective Papers
Elective Paper	Modules Name
Paper 1: Rural Banking	– Module A: Rural India – Module B: Financing Rural Development – Module C: Priority Sector Financing & Govt. Initiatives – Module D: Problems & Prospects in Rural Banking
Paper 2: Human Resources Management	– 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 – Module E: Emerging Scenario in HRM
Paper 3: Information Technology & Digital Banking	– Module A: Information Technology & Digital Banking – Module B: Systems & Design – Module C: Banking Technology Applications & Digital Banking – Module D: Information System Security Controls & Audit
Paper 4: 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 on Risk Management – Module F: Derivatives & Risk Management
Paper 5: Central Banking	– Module A: Rationale & Functions of Central Bank – Module B: Central Banking in India – Module C: Monetary & Credit Policies – Module D: Management of Foreign Exchange Reserves & Constituents of Indian Financial Market – Module E: Regulation, Supervision, and Financial Stability – Module F: Non-Banking Financial Companies & Primary Dealers