If you are preparing for the IIBF BC Basic or IIBF BC Advance Certification Exam, understanding the latest syllabus and exam pattern is the first step toward success.
The Indian Institute of Banking & Finance (IIBF) conducts the Business Correspondent (BC/BF) Certification Examination to assess candidates’ knowledge of banking operations, financial inclusion, customer service, digital banking, and government financial schemes.
This article explains the latest IIBF BC Exam Syllabus & Exam Pattern 2026, including subject-wise topics, marking scheme, passing marks, exam duration, and preparation tips.
The information below is based on the latest IIBF BC/BF Certification Guidelines.
IIBF BC Exam Overview
| Particular | Details |
| Conducting Body | Indian Institute of Banking & Finance (IIBF) |
| Exam Name | Inclusive Banking Through Business Correspondents |
| Certification | Basic & Advance |
| Exam Mode | Computer-Based Test (CBT) |
| Question Type | Multiple Choice Questions (MCQs) |
| Negative Marking | No |
Basic vs Advance Certification
IIBF offers two independent certification levels:
- Basic Certification – Designed for candidates who perform basic banking services such as cash deposits, withdrawals, remittances, and payment transactions.
- Advance Certification – Designed for candidates who provide comprehensive banking services, including account opening, loans, insurance, pension products, and CSP operations.
Candidates can directly appear for the Advance Certification Examination without first passing the Basic Certification Exam.
IIBF BC Basic Exam Pattern
| Particular | Details |
| Total Questions | 50 |
| Total Marks | 50 |
| Exam Duration | 60 Minutes |
| Question Type | MCQs |
| Passing Marks | 25 Marks |
| Negative Marking | No |
IIBF BC Advance Exam Pattern
| Particular | Details |
| Total Questions | 100 |
| Total Marks | 100 |
| Exam Duration | 120 Minutes |
| Question Type | MCQs |
| Passing Marks | 50 Marks |
| Negative Marking | No |
IIBF BC Basic Syllabus
The Basic Certification focuses on the fundamentals of banking and financial inclusion.
Module 1 – Financial Inclusion
- Concept of Financial Inclusion
- Objectives
- Importance
- Government Initiatives
Module 2 – Role of Business Correspondents
- BC Model
- Duties & Responsibilities
- Customer Service
- Code of Conduct
Module 3 – Basic Banking
- Types of Bank Accounts
- Deposits
- Savings Account
- Current Account
- Fixed Deposit
- Recurring Deposit
Module 4 – KYC & Customer Identification
- KYC Guidelines
- Customer Due Diligence
- PAN
- Aadhaar
- CKYC
Module 5 – Digital Banking
- AEPS
- UPI
- IMPS
- NEFT
- RTGS
- Mobile Banking
- Internet Banking
Module 6 – Government Schemes
- PMJDY
- PMJJBY
- PMSBY
- APY
- DBT
Module 7 – Customer Service
- Customer Grievance Redressal
- Banking Ethics
- Complaint Handling
- Financial Literacy
IIBF BC Advance Syllabus
The Advance Certification includes all Basic topics along with additional banking products and operational knowledge.
Banking Products
- Savings Products
- Deposit Products
- Loan Products
- Credit Facilities
Insurance Products
- Life Insurance
- General Insurance
- Micro Insurance
Pension Products
- Atal Pension Yojana (APY)
- National Pension System (NPS)
Digital Financial Services
- Digital Payments
- Mobile Banking
- UPI
- Aadhaar Enabled Payment System (AEPS)
Financial Literacy
- Financial Planning
- Savings
- Investment Awareness
- Risk Management
Banking Compliance
- AML
- KYC
- Fraud Prevention
- Customer Protection
Business Correspondent Operations
- CSP Operations
- Cash Management
- Record Maintenance
- Customer Acquisition
- Banking Correspondence
Languages Available
The examination is available in multiple languages, including:
- English
- Hindi
- Marathi
- Gujarati
- Bengali
- Kannada
- Malayalam
- Tamil
- Telugu
- Assamese
- Odia
Passing Criteria
Basic Certification
- Total Marks: 50
- Passing Marks: 25 (50%)
Advance Certification
- Total Marks: 100
- Passing Marks: 50 (50%)
Is There Negative Marking?
No.
There is no negative marking in either the Basic or Advance Certification Examination. Candidates should attempt all questions.
Best Preparation Tips
To score well in the IIBF BC Certification Exam:
- Complete the mandatory training carefully.
- Practice previous important MCQs.
- Attempt online mock tests regularly.
- Revise banking terminology and government schemes.
- Focus on digital banking, KYC, and financial inclusion concepts.
- Improve speed and accuracy through daily practice.
Common Mistakes to Avoid
- Ignoring the official syllabus
- Depending only on memorization
- Not practicing mock tests
- Skipping digital banking topics
- Poor time management during the exam
- Not revising before the examination
Frequently Asked Questions (FAQs)
How many questions are asked in the Basic Exam?
There are 50 MCQs in the Basic Certification Examination.
How many questions are asked in the Advance Exam?
There are 100 MCQs in the Advance Certification Examination.
Is there any negative marking?
No, there is no negative marking.
What are the passing marks?
- Basic Certification: 25 Marks
- Advance Certification: 50 Marks
Can I directly appear for the Advance Exam?
Yes. Basic Certification is not mandatory before appearing for the Advance Certification Examination.
Conclusion
The IIBF BC Exam Syllabus & Exam Pattern 2026 provides a clear roadmap for candidates preparing for the Basic and Advance Certification examinations. By understanding the latest exam pattern, covering every syllabus topic, and practicing with mock tests and updated study material, candidates can significantly improve their chances of passing the exam on the first attempt. Start your preparation early, follow the official syllabus, and stay consistent in your practice to achieve success.