Checked 29 September 2026. From IIBF Annual Reports 2021-22 to 2025-26. IIBF publishes pass statistics once a year, for the financial year (April to March), so the next figures arrive with the 2026-27 report.
Every coaching page has a line about how hard JAIIB and CAIIB are. Few of them quote the one source that counts them: the Indian Institute of Banking & Finance (IIBF) annual report. Each year it prints how many candidates enrolled, how many appeared, how many passed and the pass percentage, for JAIIB, CAIIB and the Diploma in Banking & Finance (DB&F). This guide sets out six years of those figures, from 2020-21 to 2025-26, taken from the reports themselves.
The short version: in the year the revised syllabus arrived, 2023-24, the JAIIB pass rate fell to 7.68% and CAIIB to 10.23%. JAIIB climbed back to 15.63% in 2025-26; CAIIB rose to 20.77% in 2024-25 and then fell to 14.03%. In every year, about a quarter of the people who enrolled did not sit the exam at all.
IIBF Annual Report 2025-26. “1 in 4” is our arithmetic: 134,263 appeared against 177,891 enrolments. IIBF counts enrolments, and a candidate registers afresh for each attempt, so these are per-enrolment ratios, not a count of distinct people.
What IIBF actually counts
The annual report gives four numbers for each flagship course in each financial year: enrolled, appeared, passed and pass percentage. The pass percentage is passed divided by appeared, not passed divided by enrolled. We checked this against every row below. For example, 15,837 passed out of 77,700 who appeared gives 20.38%, which is the figure IIBF prints for JAIIB in 2020-21.
Three limits matter before reading anything into the numbers. First, the figures cover a financial year, April to March, and a year normally holds two sittings: the May/June exam and the November/December exam. The early years in this series were not normal. IIBF’s 2021-22 report says only one exam could be held in 2020-21 (December 2020) because of Covid-19, that the two 2021-22 exams ran in Aug/Sep 2021 and Jan-Mar 2022, and that the May/June plus Nov/Dec pattern resumed from 2022-23. So the 2020-21 row is one sitting, not two. Beyond that one year, IIBF does not publish a pass rate for a single sitting. Second, IIBF publishes no subject-wise pass rates, so any figure you see for “PPB pass rate” or “BFM pass rate” did not come from IIBF. Third, the reports do not define exactly who counts as “passed”. Because a candidate can bank credits for individual subjects and finish over several attempts, a yearly pass rate is not the same as the share of people who eventually finish.
JAIIB: six years of IIBF’s figures
| Financial year | Enrolled | Appeared | Passed | Pass % (IIBF) | Appeared ÷ enrolled (ours) |
|---|---|---|---|---|---|
| 2020-21 | 1,08,030 | 77,700 | 15,837 | 20.38% | 71.9% |
| 2021-22 | 1,87,974 | 1,40,225 | 26,640 | 18.99% | 74.6% |
| 2022-23 | 1,96,608 | 1,56,970 | 35,779 | 22.79% | 79.8% |
| 2023-24 | 1,47,187 | 1,17,396 | 9,018 | 7.68% | 79.8% |
| 2024-25 | 1,67,177 | 1,25,464 | 18,437 | 14.70% | 75.0% |
| 2025-26 | 1,77,891 | 1,34,263 | 20,987 | 15.63% | 75.5% |
IIBF prints 18.99% for 2021-22. Dividing its own counts, 26,640 by 140,225, gives 18.998%, so the printed figure is cut off at two decimals rather than rounded. We print IIBF’s figure.
Enrolment is not steady. JAIIB enrolment went from 108,030 in 2020-21 to 196,608 in 2022-23, then fell to 147,187 in 2023-24, the first year of the revised syllabus. It rose again to 177,891 in 2025-26. IIBF’s 2024-25 report says flagship enrolment rose 16% that year, and the 2025-26 report gives a further 10% rise to 2,87,272.
CAIIB: six years of IIBF’s figures
| Financial year | Enrolled | Appeared | Passed | Pass % (IIBF) | Appeared ÷ enrolled (ours) |
|---|---|---|---|---|---|
| 2020-21 | 35,468 | 30,672 | 10,410 | 33.94% | 86.5% |
| 2021-22 | 1,01,136 | 72,741 | 13,017 | 17.89% | 71.9% |
| 2022-23 | 1,26,370 | 1,04,025 | 35,186 | 33.82% | 82.3% |
| 2023-24 | 74,059 | 52,735 | 5,395 | 10.23% | 71.2% |
| 2024-25 | 89,179 | 67,169 | 13,953 | 20.77% | 75.3% |
| 2025-26 | 1,06,115 | 78,907 | 11,070 | 14.03% | 74.4% |
CAIIB swings more than JAIIB. It was 33.94% in 2020-21, fell to 17.89% in 2021-22, went back to 33.82% in 2022-23, and then collapsed to 10.23% in 2023-24. IIBF’s 2024-25 report describes the recovery in its own words: the CAIIB pass percentage “nearly doubled from 10.23% to 20.77%”, and it says the same of JAIIB, from 7.68% to 14.70%. The 2025-26 report then shows CAIIB back down to 14.03%, with 11,070 passes from 78,907 who appeared.
IIBF Annual Reports 2021-22 to 2025-26. Pass % = passed ÷ appeared, as printed by IIBF. X-axis labels are financial years (21-22 = 2021-22).
Why 2023-24 fell so far
The first examinations under the revised syllabi were held in May/June 2023, according to IIBF’s notice of 30 August 2022. That falls inside financial year 2023-24. IIBF’s 2023-24 annual report records the change: JAIIB and DB&F went from three subjects to four, CAIIB went from three to five (four compulsory papers and one elective), and content coverage was, in its words, “significantly enhanced”.
It is fair to connect the timing, but it is our reading, not IIBF’s statement, that the new syllabus caused the fall. Some things are clear from the rules. Under the revised pass rule, finishing the whole exam in one sitting means clearing four JAIIB papers or five CAIIB papers, not three. The aggregate route, at least 45 in each paper with 50% overall, also covers more papers. And at the first revised sitting, May/June 2023, nobody had sat the new pattern before; by the Nov/Dec 2023 sitting, repeat candidates had. The 2024-25 recovery is consistent with candidates and trainers adjusting to the new format, but IIBF does not give a reason.
Where other pages get this wrong
In 2023-24 the JAIIB pass rate was 7.68%, and CAIIB’s 10.23%. That was IIBF’s lowest in six years, and it came in the first year of the revised syllabus.
Commonly published instead: A single pass rate quoted with no year and no report behind it, as if the exam had one fixed difficulty.
IIBF’s annual reports show JAIIB between 7.68% and 22.79% and CAIIB between 10.23% and 33.94% over the last six years. A pass rate without a year is not a fact. Quote the year and the report.
The quiet number: people who enrol and never sit
Across the six years, between 20% and 28% of JAIIB enrolments did not lead to an appearance. For CAIIB the range is 13.5% to 28.8%. These are our figures, worked out as one minus appeared divided by enrolled. IIBF prints the counts but not this ratio.
This matters for two reasons. Under IIBF’s rules an attempt is counted when you apply, whether or not you appear. So an enrolled candidate who skips the exam has still used one of the five attempts allowed within three years. It also means the pass rate flatters the enrolment. In 2025-26, 20,987 JAIIB candidates passed out of 177,891 enrolled. That is 11.8 passes per 100 enrolments (our arithmetic), against IIBF’s 15.63% per 100 who sat. IIBF counts enrolments, and a candidate registers afresh for every attempt, so these are per-enrolment ratios, not shares of distinct people.
Out of every 100 who enrol: how many sat, how many passed
Pick the exam and the financial year. The tool turns IIBF’s enrolled, appeared and passed counts into “out of 100” figures, so a year with 1.9 lakh candidates and a year with 35,000 read on the same scale.
Counts: IIBF Annual Reports 2021-22 to 2025-26. The “out of 100” figures are our arithmetic on those counts. IIBF’s own pass percentage is passed ÷ appeared.
| Financial year | JAIIB passed per 100 enrolled (ours) | CAIIB passed per 100 enrolled (ours) | JAIIB did not sit, per 100 (ours) | CAIIB did not sit, per 100 (ours) |
|---|---|---|---|---|
| 2020-21 | 14.7 | 29.4 | 28.1 | 13.5 |
| 2021-22 | 14.2 | 12.9 | 25.4 | 28.1 |
| 2022-23 | 18.2 | 27.8 | 20.2 | 17.7 |
| 2023-24 | 6.1 | 7.3 | 20.2 | 28.8 |
| 2024-25 | 11.0 | 15.6 | 25.0 | 24.7 |
| 2025-26 | 11.8 | 10.4 | 24.5 | 25.6 |
DB&F and the flagship totals
The Diploma in Banking & Finance uses the same four papers as JAIIB but is meant for eligible non-members. IIBF’s DB&F and credit-transfer pages say bank and FI employees who are eligible for ordinary membership and JAIIB should take JAIIB, and a DB&F result or certificate obtained by one is liable to cancellation. Its pass rate follows JAIIB closely: 20.04%, 20.67%, 26.91%, 14.15%, 19.51% and 15.33% across the same six years. In 2025-26 it had 3,266 enrolled, 2,576 appeared and 395 passed. In 2024-25 the figures were 3,639, 3,044 and 594.
| Financial year | Flagship enrolled | Flagship appeared | Flagship passed | DB&F pass % (IIBF) |
|---|---|---|---|---|
| 2023-24 | 2,23,673 | 1,72,266 | 14,715 | 14.15% |
| 2024-25 | 2,59,995 | 1,95,677 | 32,984 | 19.51% |
| 2025-26 | 2,87,272 | 2,15,746 | 32,452 | 15.33% |
Flagship totals are JAIIB, CAIIB and DB&F together, as IIBF prints them. For 2024-25 and 2025-26 the three courses add up exactly to IIBF’s totals. For 2023-24, JAIIB plus CAIIB comes to 2,21,246 enrolled, and the remaining 2,427 would be DB&F. That is our subtraction.
How to use these numbers for your own attempt
A 15% pass rate does not mean 85% of candidates are not good enough. IIBF does not record why a candidate fails or how much they prepared, but the rules explain part of the gap. The figure includes people who finished three papers and are carrying credits into the next cycle. It also includes people who passed every paper but one and will finish six months later. The rules let you keep each paper you pass with 50 or more until your three-year, five-attempt window ends, so the realistic target for many working bankers is two papers a sitting, not four.
What the numbers do say clearly is that sitting unprepared costs you. An attempt is counted on application, the first-attempt fee is the largest (Rs 4,000 for JAIIB and Rs 5,000 for CAIIB, plus convenience charges and taxes), and the window is tight: the three years normally hold six sittings, but you may use only five attempts. A sitting you apply for counts as one of the five even if you do not appear. Skipping a sitting without applying uses no attempt, but the three-year clock keeps running. The attempts guide in this series sets out those rules and includes a pass-rule checker.
When results actually arrive, and how to get the marksheet and certificate your bank will ask for, is in our result and certificate guide.
What IIBF does not publish
- Subject-wise pass rates (for example PPB or ABM on their own).
- Pass rates for one sitting (May/June or Nov/Dec on their own).
- How many candidates finish within their three-year window.
- Pass rates for each CAIIB elective inside the CAIIB exam. IIBF does publish how many CAIIB candidates chose each elective, and it publishes pass counts for the separate elective certificate exam taken by existing CAIIB holders, which is a different group. The elective guide in this series covers both.
If a page quotes any of these as IIBF data, ask which report it came from.
What is the JAIIB pass percentage?
IIBF’s Annual Report 2025-26 gives 15.63% for JAIIB in 2025-26: 20,987 passed out of 134,263 who appeared. It was 14.70% in 2024-25 and 7.68% in 2023-24.
What is the CAIIB pass percentage?
IIBF’s Annual Report 2025-26 gives 14.03% for CAIIB in 2025-26: 11,070 passed out of 78,907 who appeared. It was 20.77% in 2024-25 and 10.23% in 2023-24.
Does IIBF publish subject-wise pass rates for JAIIB or CAIIB?
No. The annual reports give enrolled, appeared, passed and pass percentage for each course for the whole financial year. Subject-wise figures on other sites are not from IIBF.
Why did the JAIIB pass rate fall in 2023-24?
IIBF does not give a reason. The fall came in the first year of the revised syllabus, which started with the May/June 2023 exams and increased JAIIB from three subjects to four and CAIIB from three to five. Linking the two is a reading of the timing, not an IIBF statement.
Is the pass percentage calculated on enrolled or appeared candidates?
On appeared. Every IIBF figure we checked equals passed divided by appeared. Per 100 enrolled, the figure is lower because about a quarter of enrolled candidates do not sit.
Does missing the exam after registering count as an attempt?
Yes. IIBF’s 2026 rules say attempts are counted when you apply, whether or not you appear.
More in this series
- CAIIB elective: which one to choose
- JAIIB and CAIIB increments and PQP: pay calculator
- JAIIB and CAIIB attempts, time limit and pass rules
- JAIIB and CAIIB syllabus: every paper and module
- JAIIB and CAIIB exam day rules and debarment
- JAIIB and CAIIB numericals on a basic calculator
- JAIIB and CAIIB result, marksheet and certificate
- IIBF membership for JAIIB and the full cost
- Official JAIIB and CAIIB books, mock test and classes
- After CAIIB: Professional Banker, CFP, Chartered Banker
- JAIIB / CAIIB notice board: official updates
Sources
- official — IIBF — Annual Report 2025-26
- official — IIBF — Annual Report 2024-25
- official — IIBF — Annual Report 2023-24
- official — IIBF — Annual Report 2022-23
- official — IIBF — Annual Report 2021-22
- official — IIBF — Notice: JAIIB/DB&F/SOB/CAIIB introduction of revised syllabi (30 Aug 2022)
- official — IIBF — JAIIB Rules & Syllabus 2026
- official — IIBF — CAIIB Rules & Syllabus 2026
- official — IIBF — Diploma in Banking & Finance page
- official — IIBF — DB&F to JAIIB credit transfer page
official = a document published by the conducting body. reported = a news or coaching site we could not check against an original. Where sources disagree this page says so rather than picking one.
