INDIAN INSTITUTE OF BANKING & FINANCE

(An ISO 9001 - 2015 CERTIFIED ORGANISATION)

Kohinoor City, Commercial-II, Tower-1, 2nd Floor, Kirol Road, Kurla (West), Mumbai - 400 070
Website : www.iibf.org.in

Certified Credit Professional

Rules & Syllabus 2019

INTRODUCTION:
The world is increasingly getting inter connected and complex. Bank credit mechanism has
also undergone phenomenal changes in recent years. Few years ago, credit meant only Cash
Credit, Overdraft and Loan. Today quasi credit facilities like Letters of Credit, Bank Guarantees,
Co acceptances, Buyer's Credit and Supplier's Credit are gaining predominance. The bank
officer dealing with such products should possess a good knowledge of the product itself to
assess the risk involved and judge the repayment capacity of the borrower to honour the
liabilities within the agreed timeframe. Credit Appraisal and Risk Appraisal can be considered
as two sides of the same coin. Hence, when appraisal aspects are being discussed, be it
concerning domestic finance or trade finance for international trade, risk aspects are
considered so that the credit officer does not lose sight of the same. The course provides a
holistic insight into the various dimensions in bank credit management.
OBJECTIVES:
1. To develop a cadre of credit officers in banks to perform different credit functions across
banks
2. To inculcate advanced skills for handling credit management issues
COVERAGE:
The course broadly covers:
i. Loan Policy v. Working Capital Management
ii. Credit appraisal vi. Export Credits
iii. Analysis of Financial statements vii. Credit Monitoring
iv. Project Finance viii. Management of Impaired Assets etc.
TARGET GROUP:
1. Existing/ Newly posted officers in credit department
2. Persons identified for the credit department
3. People aspiring to become credit officers in banks
METHODOLOGY:
Course has two components viz.,
a) Online examination for 100 marks based on a specially designed courseware on credit
management
b) Classroom Training of 3 days
For details of Classroom Training, Course Structure & Delivery, refer page 4.
ELIGIBILITY:
1. Members and Non-Members of the Institute
2. Candidates must have passed the 12th standard examination in any discipline or its
equivalent.
SUBJECT OF ONLINE EXAMINATION:
Credit Management
PASSING CRITERIA:
1. Minimum marks for pass in the subject is 50 out of 100 for online examination.
2. Minimum 25 marks for pass out of 50 marks in the Classroom training.

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EXAMINATION/ TRAINING FEES: (For Members/ For Non-members)
Sr. Particulars Examination Training Total Examination
No. Fee Fee** + Training Fee
1. Virtual training mode Rs. 6,000/- Nil Rs. 6,000/-
plus GST plus GST
2. Physical classroom training mode Rs. 6,000/- Rs. 5,000/- Rs. 11,000/-
at Mumbai, Delhi, Chennai and plus GST plus GST plus GST
Kolkata centres
3. Physical classroom training mode Rs. 6,000/- Rs. 9,000/- Rs. 15,000/-
at other centres plus GST plus GST plus GST
Please Note: Candidates are required to Register for every attempt separately.
The fee once paid will NOT be refunded or adjusted on any account.
 Training fees are to be paid after the candidate clears the online examination
conducted by the Institute.
 Candidates, who do not pass the online examination in their first attempt, need to enroll
for the second attempt by paying a nominal fee of Rs.200.
 Candidates who do not pass the online examination in their second attempt, need to
enroll again by paying a fee of Rs. 6,000/-.
 If a candidate fails in the virtual classroom training, he/she can enroll for the second
attempt by paying a fee of Rs. 1,000/- plus GST.
MEDIUM OF EXAMINATION:
Examination will be conducted in English only.
PATTERN OF EXAMINATION:
(i) Question Paper will contain 100 objective type multiple choice questions including situation
analysis/ problem based questions for a total of 100 marks
(ii) The examination will be held in Online Mode only
(iii) There will NOT be negative marking for wrong answers.
DURATION OF EXAMINATION:
The duration of the examination will be of 2 hours.
PERIODICITY AND EXAMINATION CENTRES:
a) Examination will be conducted on pre-announced dates published on IIBF Web Site.
Institute conducts examination on half yearly basis, however periodicity of the examination
may be changed depending upon the requirement of banking industry.
b) List of Examination centers will be available on the website. (Institute will conduct
examination in those centers where there are 20 or more candidates.)
PROCEDURE FOR APPLYING FOR EXAMINATION
Application for examination should be registered online from the Institute’s website
www.iibf.org.in. The schedule of examination and dates for registration will be published on
IIBF website.
PROOF OF IDENTITY
Non-members applying for Institute’s examinations/courses are required to attach/ submit a
copy of any one of the following documents containing Name, Photo and Signature at the time
of registration of Examination Application. Application without the same shall be liable to be
rejected.
1) Photo ID Card issued by Employer or 2) PAN Card or 3) Driving Licence or 4) Election
Voter’s ID Card or 5) Passport 6) Aadhaar Card
STUDY MATERIAL/ COURSEWARE
The Institute has developed a courseware to cover the syllabus. The courseware (book) for the
subject/s will be available at outlets of publisher/s.
Please visit IIBF website www.iibf.org.in under the menu “Exam Related” for details of book/s
and address of publisher/s outlets. Candidates are advised to make full use of the courseware.

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However, as banking and finance fields are dynamic, rules and regulations witness rapid
changes. Therefore, the courseware should not be considered as the only source of information
while preparing for the examinations. Candidates are advised to go through the updates put on
the IIBF website from time to time and go through Master Circulars/ Master Directions issued
by RBI and publications of IIBF like IIBF Vision, Bank Quest, etc. All these sources are
important from the examination point of view. Candidates are also to visit the websites of
organizations like RBI, SEBI, BIS, IRDAI, FEDAI etc. besides going through other books &
publications covering the subject/ exam concerned etc. Questions based on current
developments relating to the subject/ exam may also be asked.
CUT-OFF DATE OF GUIDELINES/ IMPORTANT DEVELOPMENTS FOR
EXAMINATIONS
The Institute has a practice of asking questions in each exam about the recent developments/
guidelines issued by the regulator(s) in order to test if the candidates keep themselves abreast
of the current developments. However, there could be changes in the developments/ guidelines
from the date the question papers are prepared and the dates of the actual examinations.
In order to address these issues effectively, it has been decided that:
i. In respect of the examinations to be conducted by the Institute for the period February to
July of a calendar year, instructions/ guidelines issued by the regulator(s) and important
developments in banking and finance up to 31st December will only be considered for the
purpose of inclusion in the question papers".
ii. In respect of the examinations to be conducted by the Institute for the period August to
January of a calendar year, instructions/ guidelines issued by the regulator(s) and
important developments in banking and finance up to 30th June will only be considered
for the purpose of inclusion in the question papers.
The table given below further clarifies the situation.

Particulars Cut-off Date of Guidelines/ Important

Developments for Examination/s Developments for Examination/s
For the examinations to be conducted by 31st December 2018
the Institute for the period February 2019
to July 2019
For the examinations to be conducted by 30th June 2019
the Institute for the period August 2019 to
January 2020

TUTORIAL/ CONTACT PROGRAMMES

Tutorial/ Contact programmes may be organized by the Institute at various centres.
For details in this regard candidates may visit Institute's website www.iibf.org.in.
COURSE STRUCTURE & DELIVERY
Certified Credit Professional has two parts viz. written examination and class room training. To
be declared successful, a candidate has to secure a minimum of 50% marks in the online
examination and 50% in class room training. The steps in completing the course are as under:
1. Study:
A minimum 3 months’ study of the stipulated courseware is envisaged. Institute will accept
application up to a certain period before the dates of announced exams so as to ensure that
the study period is adhered to.
2. Examination:
Candidates will have to appear for the online examination conducted by IIBF (Multiple Choice
Questions mode) and pass the examination.
3. Training:
Candidates who have successfully passed the online examination have to undergo training.
For this purpose, the candidate, on passing the examination should log on to IIBF website -
www.iibf.org.in and select his/her convenient slot for classroom/virtual classroom training (3
days) from the pre-determined dates and venue (in case of classroom training) at select
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centres announced by the Institute. During the classroom/virtual classroom training,
candidates will be assessed (Internal assessment) for training performance for a total of 50
marks. Marks for training will be awarded to candidates by faculty for their training
participation, analytical skills, case discussions, dealing ability, presentation skills etc.
Evaluation Process:

4. Time Limit for Training:

i. Virtual Class Room Training is required to be completed within 15 months from the date
of declaration of the online examination results in which the candidate passes.
ii. In case a candidate fails to complete the training either on account of not able to
successfully complete the training or by not attending training within the stipulated period
of 15 months, the candidate would be required to RE-ENROLL himself for the Online
examination foregoing credit for the subject/s passed in the Online examination earlier in
case he wants to complete the course.
AWARD OF CERTIFICATE:
Certificate will be issued to candidates within 2 months on successful completion of both
online examination and classroom training. No certificate will be issued for passing only the
online examination.
CODE OF CONDUCT:
All the successful candidates will be encouraged to adhere to a code of conduct which will be
issued along with the Certificate.
SYLLABUS FOR ONLINE EXAMINATION
The details of the prescribed syllabus which is indicative are furnished in the booklet.
However, keeping in view the professional nature of examinations, all matters falling within
the realm of the subject concerned will have to be studied by the candidate as questions can
be asked on all relevant matters under the subject. Candidates appearing for the examination
should particularly prepare themselves for answering questions that may be asked on the
latest developments taking place under the various subject/s of the said examination although
those topics may not have been specifically included in the syllabus. The Institute also
reserves to itself the right to vary the syllabus/ rules/ fee structure from time to time. Any
alterations made will be notified from time to time. Further, questions based on current
developments in banking and finance may be asked.
Candidates are advised to refer to financial newspapers/ periodicals more particularly “IIBF
VISION” and “BANK QUEST” published by the Institute.
MODULE - A: INTRODUCTION & OVERVIEW OF CREDIT
Principles of Lending: Safety, Liquidity, Profitability, Purpose of Loan, Diversification Risk.
Model Credit Policy: Importance, Contents, Exposure Norms, Model MSE Policy.
Types of Borrowers: Individuals - Major, Minor, Married Women, Pardhanashin Women,
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Illiterate Persons, Agent, Attorney, Joint Borrowers, Hindu Undivided Family (HUF),
Proprietorship Firms, Partnership Firms, Limited companies, Statutory Companies, Holding
Companies, Government Companies, Private & Pubic Limited Companies, Registration of
charges, Limited Liability Partnerships (LLP).
Types of Credit Facilities: Various Types of Credit Facilities - Cash Credit, Overdrafts,
Demand Loan, Bills Finance - Drawee Bill Scheme, Bills Discounting.
Credit Delivery: Types of Facilities, Modes of Delivery, Sole Banking Arrangement, Multiple
Banking Arrangement, Consortium Lending, Syndication. Credit Thrust, Credit Priorities,
Credit Acquisitions, Statutory & Regulatory restrictions on Advances. Credit Appraisal:
Validation of proposal, Dimensions of Credit Appraisals, Six “C” s, Structuring of Loan
documents, Credit Risk, Credit Risk Rating, Credit Worthiness of Borrower, Purpose of Loan,
Source of Repayment, Cash Flow, Collateral.
Credit Rating: Measurement of Risk, Objective of Rating, Internal & External Rating, Model
Credit Rating, Methodology of Rating, Internal & External Comparison, Model Rating Formats
MODULE - B: ANALYSIS OF FINANCIAL STATEMENTS
Analysis of Financial Statements: Balance Sheet - Definition, Balance Sheet & Banker,
Classification of Assets & Liabilities, Current Assets, Fixed Assets, Non-current Assets,
Intangible & Fictitious Assets, Liabilities - Current Liabilities, Medium & Term Liabilities,
Capital & Reserve, Classification of Current Assets & Current Liabilities, Balance Sheet
Analysis, Analysis of Profit & Loss Account, Auditor's Note. Ratio Analysis - Classification of
Ratios, Liquidity Ratios, Leverage Ratios, Activity Ratios, Profitability Ratios, Other important
Ratios, Interpretation of important Financial Ratios, Uses of Ratios, Fund Flow Statements,
Techniques Fund Flow and Cash Flow Statements, Illustrations.
Project/ Term Loan Appraisal: Technical Appraisal, Commercial/ Market Appraisal,
Managerial Appraisal, Financial Appraisal, Economic Appraisal, Environmental Appraisal,
Project Cost & Means of Finance, Cost of Production & Profitability, Sensitivity Analysis,
Break-even Analysis, Capital Budgeting - Pay Back Period Method, Time Value Money, Net
Present Value, Internal Rate of Return, Life of the Project.
MODULE - C: WORKING CAPITAL MANAGEMENT
Working Capital Assessment: Concept of Working Capital, Gross Working Capital, Net
Working Capital, Working Capital Gap, Components of Working Capital, Source of Working
Capital, Operating/ Working Cycle, Computation of storage/ Retention Period, Various
Methods of Assessment of Working Capital, Computation of Working Capital - Turnover
Method, MPBF Method, Cash Budget System, Illustrations, Impact of inadequate Working
Capital, Working Capital Finance to IT. & Software Industry, Loan Delivery System, Cash Flow
Analysis, Commercial Paper, Credit Delivery, Analysis of CMA data.
Quasi Credit Facilities: Advantages of Non-Fund Facilities, Various types of NFB Facilities,
Various types Letter of Credits, Assessment of LC limits, Bills Purchase/ Discounting under LC.
Various types of Bank Guarantees: Performance Guarantee, Financial Guarantees, Deferred
Payment Guarantees, Types of Performance and Financial Guarantees, Assessment of Bank
Guarantees Limit, Period of Claim under Guarantee.
Co-acceptance Facilities: RBI Guidelines, Co-acceptance of Bills covering supply of Goods &
Machinery.
MODULE - D: OTHER CREDITS
Export Finance: Pre-Shipment Finance-Export Packing Credit in Rupees, Running Account
Facility, Pre shipment credit to specific sectors - Sub Suppliers, Construction Contractors,
Export credit to Processors/ exporters - Agri Export Zones, Export Credit Insurance Whole
Turnover Packing Credit, Pre-Shipment Credit in Foreign Currency (PCFC), Running Account
Facility in all currencies, Deemed Exports, Diamond Dollar Account Scheme, Post Shipment
Rupee Export Finance, Purchase/ Discount of Export Bills, Negotiation of Export Bills, Export
on Consignment basis, Advance against Duty Draw Back Entitlements, ECGC Whole
Turnover Post-Shipment Guarantee Scheme, Interest Rate of Rupee Export Credit, ECNOS,
Rupee Export Credit Interest Rate Subvention, Post-Shipment Finance in Foreign Currency,
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Gold Card Scheme for Exporters, Crystallisation of Export Bills.
Priority Sector Lending/ Government Sponsored Schemes: Different Categories of Priority
Sector borrowers, Agriculture (Direct & Indirect) Finance, MSME Finance. (Direct & Indirect),
Micro Credit, Government Sponsored Schemes, Swarnajayanti Gram Swarozgar Yojana
(SGSY), Swarna Jayanti Shahari Rozgar Yojana (SJSRY), Self-Employment Scheme for
Rehabilitation of Manual Scavengers (SRMS), Swarna Jayanti Shahari Rozgar Yojana,
Education Loans, Housing Finance, Weaker Sections, Export Credit, Differential Rate of
Interest Scheme, Priority Sector Targets. Retail Loans: Characteristic of Retail Loans,
Advantages of Retail Loans, Retail Banking Vs Corporate Banking, Various Retail Banking
Products, Model Retail Banking Products - Home Loans, Vehicle Loan, Personal Loan,
Pensioner Loan Scheme, Property Loan, Holiday Loan Scheme, Gold Loan Scheme,
Education Loan, etc., Guidelines on CERSAI registration.
MODULE - E: MONITORING, SUPERVISION & FOLLOW UP AND MANAGEMENT OF
IMPAIRED ASSETS
Documentation : Meaning, Importance, Types of documents, Requisites of documentation,
Selection of documents, Stamping of different documents, Mode and time of Stamping,
Remedy for un-stamped/ under-stamped documents, Documents of which registration is
compulsory, Time limit of registration, Consequence of non-registration, Execution, Mode of
Execution by different executants, Period of Limitation, Law of Limitation to Guarantor,
Extension of period of limitation, Enforcement of documents, Death of Borrower/ Guarantor.
Types of Charges: Purpose, Various types of charges, Types of Security, Mode of charge,
Lien, Negative Lien, Set Off, Assignment, Pledge, Right of Banker as a Pledgee, Duties as a
Pledgee, Mode of Charges, Hypothecation, Mortgage - different types of mortgages,
Difference between Simple and Equitable Mortgage.
Credit Monitoring, Supervision & Follow Up: Credit Monitoring - Meaning, Monitoring Goals,
Process of Monitoring, Different Monitoring Tools, Check-list for Monitoring, monitoring by
using various statements, QIS Formats/ guidelines, Supervision & Follow Up.
Management of Impaired Assets: Introduction, Credit Monitoring, NPA why & how? NPA
Management Policy, Definition of Sick Unit, Non-Performing Assets (NPA), Income
Recognition Policy, Assets Classification, Guidelines on Asset Classification, Projects under
implementation, Project Loans under Infrastructure and Non-Infrastructure Sectors, Projects
under Commercial Real Estate Sector, Income Recognition, take out Finance, Provisioning
Norms for NPA, Provisioning Coverage Ratio (PCR), Options available to banks in Stressed
Assets, Prudential Guidelines on Restructuring,
Eligibility criteria for restructuring, Asset Classification Norms for Restructured Assets,
Mahapatra Committee Recommendations, Revised Prudential Guidelines on Restructuring of
Advances, General Provision on Restructured Standard Accounts, Up-gradation of
Restructured Accounts, Rehabilitation, Viability Period, Viability Parameters, Incentives for
Quick implementation of Restructuring Package, Corporate Debt Restructuring (CDR)
Mechanism, CDR Structure & Operations, New RBI Framework for Distressed Assets, Wilful
Defaulters, Penal Measures, Compromise, Legal Action, Civil litigation, Pre and Post - filing
precautions, Type of Decrees, Modes of Execution of Decree, Lok Adalats, Debt Recovery
Tribunal, SARFAESI, Write Off. Fair Practices: Applicability, Practices to be adopted, Loan
Processing, Assessment, Disbursement, Administration, Recall/ Repayment of Loan,
Grievance Redress Mechanisms.
IMPORTANT RULES/ INFORMATION FOR CANDIDATES
1. ADMIT LETTER OF EXAMINATIONS:
a. While registering for the examination/ course candidates will have provision to
choose venue and examination time slot of his/her choice for each subject as per
their preference on first-cum-first-serve basis.
b. Candidates are required to take utmost care and precaution in selecting
Centre, Venue and Time slot, as there is no provision to change the Centre,
Venue and Time slot in the system. Hence no request for change of centre,
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 venue and time slot will be entertained for any reason.
c. After successful registration of examination, real time admit letter will be generated
for the candidate/s. Candidate/s will be able to save, download and print admit
letter. Admit letters will also the emailed to the candidates in their email id registered
with the Institute.
d. Admit letter will be hosted on Institute's website www.iibf.org.in
e. For downloading and printing of admit letter from the above mentioned website,
candidates will have to enter the following:
i. Membership or registration number as login id
ii. Edit profile password.
iii. If candidates do not remember their Edit profile password, they have to click on
the 'Forgot password/ Get Password' button after entering the Membership or
Registration number. On clicking fresh edit profile password will be sent to their
registered email id.
f. Candidates are required to produce printed copy of admit letter along with
Membership identity card or any other valid photo ID card in original (Aadhaar card/
e-Aadhaar/ Employer's card/ PAN Card/ Driving License/ Election voter's card/
Passport etc.) at the examination venue.
g. In the absence of printed copy of Admit Letter and Photo Identity Card,
candidates will be denied permission to write Examination.
2. Mobile Phones
a. Mobile phones and other electronic/ smart gadgets (except calculator as
permissible) are not allowed in the examination hall. It is clarified that mere
possession of mobile phone and other electronic/ smart gadgets in the examination
hall whether in switch off mode or silent mode shall also be deemed to be resorting
to adoption of unfair means in the examination.
3. Use of calculator
a. Candidates will be allowed to use battery operated portable calculator in the
examination. The calculator can be of any type up to 8 functions i.e. (Addition,
Subtraction, Multiplication, Division, Percentage, Sq.-root, Tax+ and Tax -), 12 digits.
b. Attempt to use any other type of calculator not complying with the specifications
indicated above or having more features than mentioned above shall tantamount to
use of unfair means. Scientific calculator is not allowed.
4. Other Rules/ Information
a. Candidates should ensure that they sign the Attendance Sheet.
Candidates are advised to reach the Examination Venue before the reporting time
mentioned in the admit letter. No candidate/s will be permitted to enter the
Examination Venue after the gate closing time mentioned in the admit letter.
c. No candidate will be permitted to leave the examination venue in the first 60
minutes from the scheduled start time of the examination.
d. Candidates would be able to login to the system only with the password mentioned
in this Admit Letter. This password should not be disclosed to others. Keep it safe to
avoid the possible misuse.
e. If the examination could not commence on scheduled time or there is delay due to
Failure of power, Technical snag of whatsoever nature or for any such reason having
bearing upon the conduct of examination; candidates have to: -
i. Wait till resumption of power supply/ solving of technical snag.
ii. Take-up the examination at other venue arranged by the examination
conducting authority.
iii. Follow instructions given by the examination conducting authority.
f. Candidates are required to strictly follow all the instructions given by the examination
conducting authority during the examination and adhere to Rules of the examination.
g. Violation of any of the Rules/ Instructions, misuse of the Admit Letter will be
considered to be an act of serious misconduct and the Institute will take action as
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 per the Rules of the examination, which will also be reported to the employer of the
candidate.
5. Rules, Penalties for Misconduct/ Unfair Practices:
a. Communication of any sort between candidates or with outsiders is not permitted
and complete silence should be maintained during the examination.
b. Copying answers from other candidates/ other printed/ Electronic material or
permitting others to copy or consultation of any kind will attract the rules relating to
unfair practices in the examination.
c. No candidate shall impersonate others or allow others to impersonate himself/
herself at the examination.
d. No candidate shall misbehave/ argue with the Examination Conducting Authorities
at the centre.
e. Candidates have to compulsory return any papers given including that given for
rough work to invigilator.
f. Candidates should not possess and/ or use books, notes, periodicals, etc. in the
examination hall at the time of examination/ or use mathematical tables, slide rules,
stencils etc. during the examination.
If any candidate violates any of the above rules, it will be considered to be an act of
misconduct and he/she will be liable for punishment.
PLEASE REFER INSTITUTE'S WEBSITE UNDER THE MENU “EXAM RELATED”
FOR DETAILS OF DEBARMENT PERIOD FOR UNFAIR PRACTICES ADOPTED BY
CANDIDATES DURING CONDUCT OF INSTITUTE'S EXAMINATIONS.
6. Result Advice/ Consolidated Marksheet/ Final Certificate
a. Result Advice of candidates will be hosted on Institute's website on declaration of
result, which can be downloaded by the candidates.
b. Consolidated mark sheet for candidates completing examination having more than
one subject, will be available on the Institute's website after the declaration of results.
Candidates can download the same after entering login credentials using their
membership number and edit profile password.
c. Final certificates will be sent by speed post within 2 months after the declaration of
result.
MULTIPLE CHOICE QUESTIONS (MCQS) AND ANSWERS
“The Institute conducts its examinations through Multiple Choice Questions (MCQs).
These MCQs are part of the Question Bank of the Institute and its Intellectual Property. As a
matter of policy, these MCQs and their answers will not be shared by the Institute with the
candidates or others and no correspondence in this regard will be entertained.
CONTACT DETAILS:
Register your queries through website www.iibf.org.in > Members/ Candidates Support
Services (Help) or email all your queries to care@iibf.org.in
MEMBER SUPPORT SERVICE OFFICE:
Indian Institute of Banking & Finance
191-F, Maker Towers, 19th Floor
Cuffe Parade, Mumbai - 400 005
Tel.: 022-2218 3302/ 2218 5134
FOR TRAINING/ CONTACT CLASSES RELATED QUERIES CONTACT:
Leadership Centre
Indian Institute of Banking & Finance
Kohinoor City, Commercial-II, Tower-I, 3rd Floor
Kirol Road, Off L. B. S. Marg, Kurla West, Mumbai 400 070
Tel.: 022 25039746/ 9604/ 9907
E-mail: training@iibf.org.in

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PROFESSIONAL DEVELOPMENT CENTRES:
South Zone North Zone East Zone
Indian Institute of Banking & Indian Institute of Banking & Indian Institute of Banking &
Finance Finance Finance
No. 94, Jawaharlal Nehru Road, 102-113, Vikrant Towers, Hindustan Building (Annexe),
(100 Feet Road), Opp. Hotel 1st Floor, 4 Rajendra Place, 7th Floor, 4, C. R. Avenue,
Ambica Empire, Vadapalani, New Delhi – 110 008. Kolkata – 700 072.
Chennai – 600 026. Tel. : 011-2575 2191/ 92 Tel. : 033-2212 4992
Tel. : 044-2472 2990/ 2472 8587 E-mail : iibfnz@iibf.org.in E-mail : iibfez@iibf.org.in
E-mail : iibfsz@iibf.org.in

CORPORATE OFFICE: Indian Institute of Banking & Finance, Kohinoor City,

Commercial-II, Tower-1, 2nd Floor, Kirol Road, Kurla (West), Mumbai - 400 070
Tel.: 022-2503 9746/ 9604/ 9907