In order to provide the much needed thrust on financial inclusion, a flagship programme called the Pradhan Mantri Jan-Dhan Yojana (PMJDY) was announced by Hon. Prime Minister in his independence day address on 15th August 2014, with an objective to take banking services to the unbanked and under banked areas. After initial implementation of the programme, over 12 crore bank accounts have been opened under the PMJDY. It is important to make these accounts active and operational. Business Correspondents / Business Facilitators (BC / BF) acts as a bridge between Bank branches and the people in the area. BC / BF is the first point of contact and front face of the bank branch to the people and they would help to make these accounts operational. A few field level studies reveal that the BCs though well versed with technologies like handling POS devices, Micro ATMs and Bio metric devices etc., are lacking in knowledge of basic banking products and services. It has, therefore, been felt necessary that the BCs need to be imparted the desired knowledge. Indian Banks Association has made it mandatory to certify BC Agents by IIB&F after 3 days of training.In this context IIB&F has launched a certificate examination with the following objectives.

OBJECTIVES: This course is aimed at providing the knowledge inputs and skill sets to BC / BFs.The objective of the course is, therefore, to provide basic knowledge in banking operations and help the BCs in developing an overall understanding of the following aspects :

1. The role / functions of banks.

2. The basics of banking operations and procedures.

3. Role and function of BC / BFs.

4. Financial advising and counselling.

5. PMJDY scheme.


A) Examination will be conducted on pre-announced dates published on IIBF website.Periodicity of the examination will be 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.)

Candidates with SSC / SSLC / Matriculation or equivalent qualification will be eligible for admission.


Total Time: 2 Hours
Mode of Exam: Online
Subjects Questions Marks Total Marks Total Marks Negative Marking
General Banking including Deposits and Priority Product /schemes 30 30


2 Hrs No negative marking for wrong answered questions
Principles of Lending to Rural and Retail Lending 20 20
Financial Inclusion and Role of BC/BF 10 10
Pradhan Mantri Jan Dhan Yojana (PMJDY) 30 30
Skill-sets for BC / BFs in relating with rural people 10 10


How to apply

Last date to apply

Exam fee

Date of Exam

From official website--www.iibf.org.in

31-10-2018(for exam in December) and 03-12-2018(for exam in January-2019 )

For one attempt Rs.800/-*

01-12-2018 and 12-01-2019

Link for Apply