JAIIB and CAIIB Result: How to Check, Pass Marks and Credits Carried

The last two results IIBF declared were JAIIB/DB&F May 2026, in a notice of 4 August 2026, and CAIIB/CAIIB Elective May/June 2026, in a notice of 11 September 2026. Both said the result could be downloaded and the CAIIB notice told candidates to download it “from their login profile”. There is no public merit list and no printed copy. The next results, for the 1-29 November JAIIB papers and the 6-27 December CAIIB papers, have no announced date. IIBF’s membership page says results are expected within 45 days of the exam; the 2026 results came about 80 days after the last paper (79 and 82 days, our arithmetic, set out in the timelines guide), so plan on the longer figure.

The words “in a single attempt” carry the second rule. The aggregate route works only if you sit every paper of the exam in the same sitting. A paper sat alone later needs 50. And the credit rule works the other way: a paper you pass with 50 or more stays passed until your time limit of five attempts or three years ends, whichever is earlier. Attempts are counted when you apply, not when you sit, which is explained with a checker in our attempts guide.

One reading of these rows deserves care. A first-class or distinction result is decided on the first physical attempt only, meaning you have not attempted any paper of that exam before. IIBF’s rules say so, and say candidates who re-enrol after exhausting their attempts get a Pass. If you finish JAIIB over two sittings the class on the certificate is Pass, however high your marks. The CAIIB rules use the same wording for CAIIB, with five subjects rather than four. One point IIBF’s wording leaves open: First Class asks for 60% or more in aggregate and a pass in all the subjects, and it does not say whether a paper cleared through the 45-mark aggregate route counts as a pass for this purpose. The rows above that reach First Class (65, 62, 71, 60 and the next) have every paper at 50 or more, so they do not depend on the answer.

A paper passed in one attempt stays passed for the whole time limit. If you pass Papers I and III this time, you register again for the other two, and the credits count. But two cases erase them. If the three-year limit ends before you pass everything, or you use five attempts, you must re-enrol and no credit is carried over. And the aggregate route cannot be assembled across sittings: it needs all papers together. For a plan of attempts, see the worked example in our attempts guide.

IIBF’s rules say its multiple-choice questions and their answers are its intellectual property and “will not be shared” with candidates, with no correspondence entertained. So you will not get an answer key to check your marks against, and we found no re-evaluation route in the rules we read. Any website quoting an official answer key for a JAIIB or CAIIB paper is not quoting IIBF. The pass rule above is the only check you can run yourself.

Where do most candidates stand? IIBF’s Annual Report 2025-26 reports pass rates, measured on candidates who appeared, of 15.63% for JAIIB and 14.03% for CAIIB in the financial year (IIBF’s own figures). These are for the whole year, two sittings combined; IIBF does not publish pass rates by sitting or by paper. The year-by-year numbers are in our pass-rate guide.