What is included in the CAIIB Elective Paper Exam Analysis 2025?

The CAIIB Elective Paper Exam Analysis 2025 includes shift-wise and subject-wise difficulty levels, topics asked, and key insights shared by candidates.

What was the overall difficulty level of the CAIIB Elective Papers 2025?

Most candidates reported the overall difficulty level of the CAIIB Elective Papers 2025 as Moderate, though it varied across subjects.

CAIIB Elective Paper Exam Analysis 2025, 21 December All Paper Shift-Wise Exam Review

The Indian Institute of Banking and Finance (IIBF) has successfully concluded the CAIIB December 2025 cycle with the completion of the elective paper examinations on 21 December 2025. All five elective papers were conducted on the same day across multiple shifts. Immediately after each paper and shift, our team gathered detailed feedback and exam experiences from candidates who appeared for the electives. Based on these inputs, our experts carried out an in-depth analysis and prepared a comprehensive shift-wise CAIIB Elective Paper Exam Analysis 2025 for all subjects, which is shared in the article below.

CAIIB Elective Paper Exam Analysis 2025, 21 December All Papers

The CAIIB Elective Paper Exam 2025 concluded on 21 December 2025, and banking professionals who appeared for the examination are now keen to understand the topics asked, shift-wise trends, and difficulty level across different papers. Which is why, we have prepared a detailed CAIIB Elective Paper Exam Analysis 2025 for each elective subject.

This exam analysis highlights the overall and subject-wise difficulty level, important topics asked, and key insights shared by candidates from various shifts. While the difficulty level varied from paper to paper, the overall level was reported as Moderate by most candidates. The CAIIB Elective Paper Exam Review 2025 covers in-depth reviews of the following elective papers.

Rural Banking
Human Resources Management
Information Technology & Digital Banking
Risk Management
Central Banking

CAIIB Elective Paper Exam Analysis 2025, 21 December Shift 1 (Rural Banking)

CAIIB has successfully conducted the first shift of the Rural Banking Elective Paper. As per the feedback shared by the candidates who appeared in this shift, the paper was of Moderate side in difficulty level. The topics asked in this shift have been mentioned in the CAIIB Rural Banking Exam Analysis 2025 below.

Shift 1

Module B (Most Asked)

GIVA Agri Sector
Net Present Value (NPV) – Concept, calculation, and application in agri financing.
Panchayati Raj Related Questions – Structure, functions, and role in rural development.
Institutions Related – Regional Rural Banks, NABARD, Cooperative banks, etc.
Self Help Groups (SHGs / Panchsutra)
MGNREGA (Max Employment Days)
PMAY-G (Pradhan Mantri Awas Yojana – Gramin)
Paramparagat Krishi Vikas Yojana / Organic Farming
Kisan Credit Card (KCC) – Features, eligibility, credit limits.
PSL Guidelines (25 Lakh Limit) – Priority sector lending norms for agri & rural borrowers.

Module A

Micro Units / Small Finance Related Questions – Definition, purpose, credit support.
DRI Scheme (Weaker Sections) – Features, objectives, eligibility criteria.

Module C

All Field Water Management Related Questions – Techniques, schemes, and government programs.

Module D (Least Asked)

Small Finance Related Questions – Policies, objectives, and role in rural banking.

Shift 2

Mushroom Cultivation
NABARD Related
Case Studies
DSCR Numerical
SHG Case Study
Panchayati Raj Related
Weaker Section
Financial Inclusion
Kisan Credit Card Related
PMSBY / PMJJBY / APY
Housing Limits
Cooperative Bank
SMA and NPA
MUDRA / Micro Finance
PSL Finance Related Questions
MGNREGA Case Study
International Rate of Return
Warehouse Receipt
One Marker (Beekeeping)
Viability

CAIIB Elective Paper Exam Analysis 2025, 21 December Shift 1 (Human Resources Management)

The CAIIB HRM Exam Analysis 2025 provides a comprehensive overview of the questions asked and the structure of the paper. Based on feedback from candidates, the CAIIB Human Resource Management Exam 2025 Shift 1 was of moderate to difficulty side difficulty level.

Shift 1

Shannon-Weaver Model Questions
VUCA –
TQM / QC Related Questions
Classical Conditioning (Pavlov) .
Body Language
Zero Attrition
Hedonism
DAICT / DAICT Related Questions
Existence, Relatedness, Growth (ERG Theory)
Industrial Democracy
Goleman Leadership Questions
Green HRM Related Questions
DMIC – Full form, objectives, HR relevance.
Strike Notice Related Questions
Johari Window Related Questions
Six Sigma
Halo Factor Related Questions

Talent Management Related Questions
Generation C Related Questions

Shift 2

The HRM section tested both conceptual understanding and application-based scenarios. Candidates found questions on leadership styles, employee behavior theories, and strategic HR practices more challenging, requiring deeper knowledge and analytical thinking.

Zero Attrition
Conflict Management
ISO
Successional Planning
Organization Reputation
Generation Related (Gen X, Gen Y, etc.)
Leadership Style
NED Salary Related
3 Ps (People, Planning, Profit)
Milkey Theory / Karie Theory / Arteplo Theory
Normative Science
NED
Talent Management
Classical Conditioning
Hot Stove

CAIIB Elective Paper Exam Analysis 2025, 21 December Shift 1 (Information Technology & Digital Banking)

The shift 1 of CAIIB Information Technology & Digital Banking Exam 2025 has just been concluded. Candidates have shared that the shift 1 was Moderate in diffculty. The detailed CAIIB ITDB Exam Analysis 2025 has been provided below.

1. IT & Cyber Laws

IT Acts / IT Act 2000

General of Computers

2. Networking & Communication

IP Address
Network Technology
SAN, LAN, SLA Network

3. Banking Software & Digital Payments

Banking Software
UPI
SQL
DBMS

4. Learning & Digital Training

E-Learning Related Questions

5. Business Continuity & Disaster Recovery

BCP
DRP
Cold Site
Warm Site
Hot Site

CAIIB Elective Paper Exam Analysis 2025, 21 December Shift 1 (Risk Management)

The CAIIB Risk Management Exam Analysis 2025 presents a summary of the questions asked and the important topics tested in the examination. As reported by candidates, the paper was of moderate difficulty overall.

Q1: What is the minimum Common Equity Tier 1 (CET-1) requirement for banks in India?
Q2: What is the maximum limit for Additional Tier 1 (AT-1) capital under RBI guidelines?
Q3: What is the minimum Tier-I Capital requirement as per Basel III RBI norms?
Q4: What is the maximum Tier-II Capital allowed to meet the minimum regulatory requirement?
Q5: What is the Minimum Total Capital (MTC) requirement (excluding buffers) for Indian banks?
Q6: What is the mandated percentage for the Capital Conservation Buffer (CCB)?
Q7: What is the Total Capital Requirement (MTC + CCB) that banks must maintain?
Q8: As per RBI, the MTC is 9%. How does this differ from the Global Basel III standard? (Ans: Global is 8%).

CAIIB Elective Paper Exam Analysis 2025, 21 December Shift 1 (Central Banking)

The CAIIB Central Banking Exam Analysis 2025 outlines the nature of questions asked and highlights the key topics covered in the paper. According to candidate feedback, the exam was of Moderate overall difficulty.