IIBF (BC / BF) Business Correspondents : (JAIIB / CAIIB) Syllabus & Exam Pattern

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Are you searching for the syllabus of IIBF certification Business Correspondents/Facilitators (BC / BF) Exam? Here you will get the latest syllabus for the Indian Institute of Banking and Finance (IIBF) examination. It will surely help you in the effective preparation of BC / BF exam. This exam will be conducted by the Indian Institute of Banking and Finance (IIBF). The syllabus given below is based on the latest pattern of the IIBF (JAIIB / CAIIB) curriculum. We suggest you to check our free online mock tests for IIBF examinations.

We have listed some of the frequently asked questions (FAQs), asked by the candidates, so that you can get a basic idea of IIBF Business Correspondents/Facilitators (BC / BF) exam pattern.

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IIBF BC / BF : Syllabus

  1. Module A : General Banking including Deposits
  2. Module B : Principles of Lending with special reference to Rural and Retail Lending
  3. Module C : Skill-sets that make BC/BFs effective in relating with rural people
  4. Module D : Details of Banks' Deposits and Priority Sector Advances Products/ schemes

IIBF BC / BF : Detailed Syllabus

Given below is the list of topics which covers the course syllabus.

Module A : General Banking including Deposits

  • Principles of Banking Structure of Indian Banking System - Functions of Indian Banking:
  • Recent trends - E-Banking
  • KYC Norms - Anti-Money Laundering
  • Banker Customer Relationship
  • Demand and Time Deposits
  • Various types of deposits
  • Account Opening and Closing of Accounts
  • Pre-mature Closure of Deposits
  • Interest Rate Application
  • Renewal of deposits
  • Procedure for settlement of claims
  • Various types of customers
  • Minors and Joint AccountsPower of Attorney
  • Mandate and E or S Accounts/ F or S Accounts
  • Income Tax Orders and Garnishee Orders
  • Lien and Set-off
  • Loan against Deposits
  • Deposit Insurance and Credit Guarantee Scheme
  • Cheques - Payment and Collection Procedures
  • Endorsements
  • Clearing / Cheques truncation
  • Electronic transfer of Funds
  • Banker's secrecy of accounts
  • Opinion Reports Ancillary services
  • Plastic Money - Credit Cards
  • Safe Deposit LockersRemittances

Module B : Principles of Lending with special reference to Rural and Retail Lending

  • Loans and Advances
  • Guiding Principles of Lending
  • Appraisal and Monitoring
  • Working Capital Vs Term Loans Different Categories of Loans
  • Retail Lending
  • Consumer Loans, Home Loans, Vehicle Loans, Agricultural Finance including Kisan Credit Cards and Gold Loans
  • Lending to other Priority Sectors
  • Recent Developments
  • MSMEs - Eligibility norms - Repayment Terms and EMI setting.
  • Different types of securities and modes of creating charge on them
  • Security documents and Documentation procedures
  • Stamping of Documents
  • Legal aspects of recovery of bank loans Asset Classification Norms
  • Appraisal and Processing Techniques and Sanction Procedures
  • Follow-up for repayment
  • Recovery of bank loans
  • Financial Inclusion and Role of Business Correspondents and Business Facilitators
  • Micro Finance and its importance in Financial Inclusion
  • Channels for delivering micro credit
  • SHG-Bank Linkages
  • Group Dynamics and peer pressure in SHG Model
  • Need for and Role of Business Facilitators and Business Correspondents in Financial Inclusion
  • Scope of activities performed by Business Facilitators and Business Correspondents and how are they different
  • Who all can be Business Facilitators and Business Correspondents
  • Different activities outsourced by banks
  • Eligibility Criteria for engagement of individuals and institutions as Business Facilitators and Business Correspondents
  • Pre-cautions to be observed before their enrollment - Area of operations
  • Due diligence check
  • Duties of Business Facilitators and Business Correspondents- Check and Balance System - Training Needs
  • Various Risks faced by banks
  • Strategic Risk
  • Reputation Risk
  • Compliance Risk
  • Operational Risk
  • Concentration Risk
  • Legal Risk and their Mitigation
  • Confidentiality and Secrecy
  • Monitoring and Control of BFs/BCs.
  • Ethical issues and Do's & Don'ts for Business Facilitators and Business Correspondents

Module C : Skill-sets that make BC/BFs effective in relating with rural people

  • An overview of various skills needed by Business Facilitators/Business Correspondents
  • Skills that make them effective in their role: Communication and Interviewing Skills; Borrower Profiling Skill; Debt Management Skill; Cash Flow Working and Cash Budgeting Technique; Credit Counseling and Financial Advising Skills; Financial Literacy and Financial Education; Marketing Skill; Cross Selling Skill.

Module D : Details of Banks' Deposits and Priority Sector Advances Products/ schemes

  • Designing and Developing Savings (Deposits) and Credit Products and Schemes - Deposits and Advances Model Schemes in operation in banks
  • Check List for filling Banks' Loan Application and Credit Information Forms and Security Documents.

IIBF BC / BF: Exam Pattern (FAQs)

Is it mandatory to qualify IIBF (BC / BF)?
Yes, it is necessary for all aspirants to pass this IIBF certification exam.
How many questions will be their in exam?
Their will be approximately 120 questions.
How many marks will the BC / BF section of the IIBF exam be?
It will be worth 110 marks
What is the time allocated for (JAIIB / CAIIB) examination?
120 minutes (2 Hours)
What type of questions are asked in IIBF BC / BF exam?
It contains questions of objective nature: multiple choice questions (MCQs).
What is the negative marking scheme?
There will be no negative marking.
What is the medium of IIBF examination?
English or Hindi.

Note You can also download the IIBF certification exam Business Correspondents/Facilitators (BC / BF) syllabus in PDF format provided by IIBF.