IIBF AML/KYC- Exam Pattern, Syllabus & Preparation
IIBF's compliance certification that makes bankers job-ready for AML, KYC and anti-money-laundering roles.
The Certificate Examination in AML/KYC is conducted by the Indian Institute of Banking & Finance (IIBF) to build practical expertise in anti-money-laundering law, KYC norms, customer due diligence and suspicious-transaction reporting. It is taken by bank and financial-sector staff, and is also open to non-members who meet the eligibility criteria. The exam is a single online remote-proctored paper offered frequently through the year. Clearing it strengthens compliance competence and helps candidates move into KYC/AML and compliance roles across banks, NBFCs and fintechs.
1 (single certificate exam)
Number of Papers
60 out of 100
Pass Mark
Online remote-proctored, no negative marking
Exam Mode
Typically ₹1,100 (members) / ₹1,600 (non-members) + GST
Fee
Everything below, for IIBF AML/KYC Premium. One payment, no subscription.
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Eligibility Criteria
Education
Open to members and non-members of IIBF who have passed 12th standard (or equivalent), or completed the BC/BF examination. Bank employment is not required.
Age Limit
No upper age limit.
Nationality
Offered within India.
Exam Pattern
The AML/KYC certificate is a single online exam of 120 MCQs for 100 marks in 2 hours, in English, conducted online with remote proctoring. There is no negative marking and the pass mark is 60/100. The paper spans an Anti-Money Laundering part and a Know Your Customer part, and exam dates are offered frequently through the year with short registration windows before each date.
Certificate Examination in AML/KYC
Online (remote proctored)120 min| Section | Questions | Marks |
|---|---|---|
| Part I - Anti-Money Laundering | 60 | 50 |
| Part II - Know Your Customer | 60 | 50 |
Key Topics & Syllabus
Anti-Money Laundering (AML)
- check_circleConcept & techniques of money laundering
- check_circleImpact on banks & the economy
- check_circleInternational AML legislation & Basel standards
- check_circlePrevention of Money Laundering Act (PMLA), 2002 & rules
- check_circleRBI AML guidelines
- check_circleFinancing of terrorism
- check_circleFIU-IND & FATF recommendations
Know Your Customer (KYC)
- check_circleCustomer profiles & KYC policies
- check_circleCustomer & Enhanced Due Diligence (CDD/EDD)
- check_circleRisk categorisation
- check_circleAccount opening for various entities & PEPs
- check_circleSuspicious Transaction Reporting (STR) & CTR
- check_circleOngoing monitoring & record keeping
Regulatory Framework
- check_circleRBI Master Direction on KYC
- check_circlePMLA rules & reporting obligations
- check_circleCentral KYC Registry (CKYCR)
- check_circleVideo-based Customer Identification (V-CIP)
Practical Compliance
- check_circleTransaction monitoring red flags
- check_circleRecord retention requirements
- check_circleCorrespondent banking due diligence
- check_circlePenalties for non-compliance
Career Roles & Salary
KYC / AML Officer
Compliance-track roles in banks & NBFCs
Direct preparation for KYC/AML desk and onboarding-compliance roles, evidencing hands-on knowledge of due diligence and reporting.
Compliance Officer
Enhanced compliance-cadre standing
Demonstrates regulatory competence in PMLA, FATF and RBI norms, valued for compliance and risk functions.
Branch / Operations Banker
Improved professional standing
Helps front-line and operations staff apply KYC and AML norms correctly, reducing regulatory risk.
Fintech / RegTech Professional
Cross-sector applicability
Open beyond bank employees, it also benefits fintech, payments and RegTech professionals building AML/KYC expertise.
Full mock tests for IIBF AML/KYC
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How to Prepare
Check eligibility
Confirm you meet the criteria (member or non-member, 12th pass or BC/BF qualified). Bank employment is not required.
Register online during the window
Apply through the IIBF portal for a chosen exam date and pay the fee (typically ₹1,100 for members / ₹1,600 for non-members plus GST; non-refundable).
Study the courseware
Prepare using IIBF's Anti-Money Laundering & Know Your Customer textbook and e-learning modules, keeping up with the latest RBI KYC Master Direction updates.
Practise MCQs and mock tests
Solve chapter-wise MCQs and free AML/KYC mock tests on PrepClever to get comfortable with the 120-question, 2-hour format.
Take the online proctored exam
Attempt the 120-MCQ, 2-hour online remote-proctored paper in English on your booked date and score at least 60/100 to pass; there is no negative marking.
Receive the certificate
On qualifying, IIBF issues the AML/KYC certificate, adding a recognised compliance credential to your profile.
Important Dates (Tentative)
| Event | Expected Date |
|---|---|
| Exam frequency | Held frequently through the year, typically on 2nd and 4th Saturdays of each month |
| Registration window | Short window (roughly 2–3 weeks) before each exam cycle |
| Result | Score/result available shortly after the online exam |
| Certificate | Digital certificate issued after result declaration |
* Dates are indicative based on historical patterns. Check the official website for confirmed dates.
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Free mock tests, chapter-wise practice questions and a personalized study plan, built around the latest IIBF AML/KYC pattern.
IIBF AML/KYC FAQ
Who can take the IIBF AML/KYC certificate exam?
Both IIBF members and non-members who have passed 12th standard (or equivalent) or completed the BC/BF exam. Bank employment and IIBF membership are not mandatory, and there is no upper age limit.
What is the AML/KYC exam pattern in 2026?
A single online remote-proctored paper of 120 MCQs for 100 marks in 2 hours, in English, covering an Anti-Money Laundering part and a Know Your Customer part.
What are the passing marks and is there negative marking?
You must score at least 60 out of 100 to pass, and there is no negative marking.
How many attempts are allowed?
There is no fixed attempt limit - the exam is offered frequently (typically twice a month), so if you do not clear it you can simply re-register and pay the fee for a later date.
What is the exam fee?
Typically ₹1,100 for IIBF members and ₹1,600 for non-members, plus GST, per attempt. Confirm the exact current fee in the IIBF notification when registering, as fees are revised periodically.
Is IIBF membership required?
No. Non-members can take it too - they simply pay the higher non-member fee.
What does the AML/KYC exam cover?
Two areas: Anti-Money Laundering (PMLA, FATF recommendations, RBI guidelines, terror financing, FIU-IND) and Know Your Customer (due diligence, risk categorisation, onboarding, STR/CTR reporting, monitoring and record keeping).
Does the AML/KYC certificate increase salary?
It does not carry an automatic IBA increment like JAIIB/CAIIB, but it is a recognised credential that improves your case for compliance postings, internal role changes and better-paying KYC/AML and compliance jobs in banks, NBFCs and fintechs.
Is the AML/KYC exam difficult compared to JAIIB?
It is considered easier than JAIIB - a single focused paper rather than four - but the 60% pass mark is higher than JAIIB's 50%, so accuracy matters. Candidates who read the courseware once and practise enough MCQs generally clear it comfortably.
How long should I prepare for the AML/KYC exam?
Most candidates prepare in 3–6 weeks alongside work: one reading of the IIBF courseware, notes on PMLA and the RBI KYC Master Direction, then sustained MCQ practice. Attempt free AML/KYC practice questions and mock tests on PrepClever to check your readiness before booking a date.
In what language is the exam held?
The AML/KYC certificate examination is conducted in English.
How does this certificate help my career?
It builds direct competence for KYC/AML desks and compliance roles, meets regulatory skill expectations, and adds a recognised IIBF credential valued across banks, NBFCs and fintechs.
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