What replaced M5, the RES5 format, pass marks, fees and booking route for Singapore's financial advisory rules paper, sourced to the Singapore College of Insurance

Alerts and Updates for CMFAS M5 Financial Advisory Services Exam (Singapore)

Articles related to CMFAS M5 Financial Advisory Services Exam (Singapore) on page 1 

<div style="background:#eef3fb;color:#303846;border:1px solid #c9d7ee;border-radius:12px;padding:14px 18px;margin:0 0 18px"><p style="margin:0;font-size:14px;line-height:1.6"><strong style="color:#171d29">Checked 23 September 2026.</strong> HIPA issues a books-allowed list for each cycle; a newer SAS-II list was posted on 11 December 2025. The rule books themselves are amended from time to time — use the current version from finhry.gov.in.</p></div>

<div style="background:#fff8e8;color:#3a3020;border:1px solid #f0d9a8;border-left:4px solid #b7791f;border-radius:12px;padding:18px 20px;margin:18px 0"><p style="margin:0 0 8px;font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#b7791f">Where other pages get this wrong</p><p style="margin:0 0 10px;font-size:17px;font-weight:700;color:#171d29;line-height:1.5">You do not need to buy the SAS rule books. Most are free official downloads.</p><p style="margin:0 0 8px;line-height:1.6"><strong style="color:#8a5300">Commonly published instead:</strong> Searches for "Haryana SAS books PDF" mostly surface paid compilations, scanned photocopies and Telegram links.</p><p style="margin:0;line-height:1.6">The Haryana Civil Services Rules 2016, the Revised Pay and ACP Rules, both volumes of the Punjab Financial Rules and the Subsidiary Treasury Rules are all published free by the Haryana Finance Department. The bare Acts are free on India Code. The official copies are also the only ones guaranteed to carry the latest amendments — which matters in an open-book exam.</p></div>

Four of the nine SAS papers are written with the rule books open, and Company Law is written with bare Acts. For those papers, the books are the exam. For the four papers written without books, what you need is a commerce textbook, not a rule book.

<div style="background:#ffffff;color:#303846;border:1px solid #e4e1d8;border-radius:12px;padding:18px 20px;margin:18px 0"><h3 style="margin:0 0 10px;font-size:17px;font-weight:700;color:#171d29">Free official downloads</h3><ul style="margin:0;padding-left:20px"><li style="margin:6px 0;line-height:1.6"><a href="https://finhry.gov.in/haryana-civil-services-rules-2016/" rel="nofollow noopener" style="color:#255a45">Haryana Civil Services Rules 2016 (all nine volumes)</a><br><span style="font-size:13px;color:#5b6472">Part I — Civil Services Rules; TA Rules for Local Rules · Finance Dept Haryana</span></li><li style="margin:6px 0;line-height:1.6"><a href="https://finhry.gov.in/haryana-pay-and-pension-rules/" rel="nofollow noopener" style="color:#255a45">Haryana Revised Pay Rules 2016 and Revised ACP Rules 2016</a><br><span style="font-size:13px;color:#5b6472">Part I — Civil Services Rules (pay fixation) · Finance Dept Haryana</span></li><li style="margin:6px 0;line-height:1.6"><a href="https://cdnbbsr.s3waas.gov.in/s386e78499eeb33fb9cac16b7555b50767/uploads/2022/01/2022012737.pdf" rel="nofollow noopener" style="color:#255a45">Punjab Financial Rules Vol I (as applicable to Haryana)</a><br><span style="font-size:13px;color:#5b6472">Part I — Audit and Accounts · Finance Dept Haryana</span></li><li style="margin:6px 0;line-height:1.6"><a href="https://cdnbbsr.s3waas.gov.in/s386e78499eeb33fb9cac16b7555b50767/uploads/2022/01/2022012781.pdf" rel="nofollow noopener" style="color:#255a45">Punjab Financial Rules Vol II (as applicable to Haryana)</a><br><span style="font-size:13px;color:#5b6472">Part II — Budget & Treasury Rules · Finance Dept Haryana</span></li><li style="margin:6px 0;line-height:1.6"><a href="https://finhry.gov.in/rules/" rel="nofollow noopener" style="color:#255a45">Subsidiary Treasury Rules (four parts)</a><br><span style="font-size:13px;color:#5b6472">Part II — Budget & Treasury Rules · Finance Dept Haryana</span></li><li style="margin:6px 0;line-height:1.6"><a href="https://finhry.gov.in/document-category/punjab-civil-services-rules-financial/" rel="nofollow noopener" style="color:#255a45">Punjab CSR Vol I-III (legacy, superseded by HCSR 2016)</a><br><span style="font-size:13px;color:#5b6472">Reference for older papers only · Finance Dept Haryana</span></li><li style="margin:6px 0;line-height:1.6"><a href="https://cga.nic.in/Book/Published/4.aspx" rel="nofollow noopener" style="color:#255a45">Government Accounting Rules</a><br><span style="font-size:13px;color:#5b6472">Part I — Audit and Accounts · Controller General of Accounts (official Union source)</span></li><li style="margin:6px 0;line-height:1.6"><a href="https://cga.nic.in/Book/Published/7.aspx" rel="nofollow noopener" style="color:#255a45">List of Major and Minor Heads of Account</a><br><span style="font-size:13px;color:#5b6472">Part I — Audit and Accounts (classification) · Controller General of Accounts (official Union source)</span></li><li style="margin:6px 0;line-height:1.6"><a href="https://www.indiacode.nic.in/" rel="nofollow noopener" style="color:#255a45">Bare Acts — Companies Act 2013 and the allied Acts</a><br><span style="font-size:13px;color:#5b6472">Part II — Company Law & Allied Acts · India Code (Union) (official Union source)</span></li></ul><p style="margin:12px 0 0;font-size:13px;color:#5b6472">Not found as an official free download: the Punjab Budget Manual (Haryana), Account Code Vol III, the PWD Code / DFR and FHB-3. Your department’s accounts branch will have printed copies.</p></div>

What HIPA allows in — and what it excludes

HIPA publishes a books-allowed list for each cycle. The 2023 SAS-II list is the most recent we could read in full, and it is more restrictive than "with books" suggests.

<div style="background:#ffffff;color:#303846;border:1px solid #e4e1d8;border-radius:12px;padding:18px 20px;margin:18px 0"><h3 style="margin:0 0 10px;font-size:17px;font-weight:700;color:#171d29">Why the exclusions matter</h3><ul style="margin:0;padding-left:20px"><li style="margin:6px 0;line-height:1.6">If you prepare from the full PFR Vol II, you will build your tab system around pages you <strong>cannot take into the hall</strong>. Print or carry only the permitted appendices.</li><li style="margin:6px 0;line-height:1.6">The Company Law list is <strong>bare Acts</strong> — an annotated or commentary edition is a different book.</li><li style="margin:6px 0;line-height:1.6">HIPA posted a newer "Books Allowed in SAS-II (OB) Exam" notice on <strong>11 December 2025</strong>. Check it, and the SAS-I list, on HIPA’s examination page before your cycle.</li></ul></div>

<div style="background:#ffffff;color:#303846;border:1px solid #e4e1d8;border-radius:12px;padding:18px 20px;margin:18px 0"><h3 style="margin:0 0 10px;font-size:17px;font-weight:700;color:#171d29">A note on the older syllabus documents</h3><ul style="margin:0;padding-left:20px"><li style="margin:6px 0;line-height:1.6">The Treasuries criteria document of 2020 lists seven Acts for Company Law and names the Companies Act 1956. HIPA’s 2023 list names the Companies Act 2013 and adds the Maternity Benefit Act and the RPwD Act. The HIPA list is newer.</li><li style="margin:6px 0;line-height:1.6">The Punjab CSR volumes are still hosted by the Finance Department, but the Haryana Civil Services Rules 2016 replaced them. Use them only to understand older papers.</li></ul></div>

<div style="background:#ecf7ef;color:#1f3a2a;border:1px solid #b9dec6;border-radius:12px;padding:18px 20px;margin:18px 0"><p style="margin:0 0 8px;font-size:17px;font-weight:700;color:#171d29">Practise on ProSyllabus</p><p style="margin:0;line-height:1.6">Past SAS-I and SAS-II papers (with the official solutions HIPA released for the practical papers), plus topic-wise practice quizzes for both parts, are on the <a href="/exam/haryana-sas" style="color:#1f7a45;font-weight:700">Haryana SAS exam page</a>. The first quiz in each topic is free.</p></div>

<div style="background:#ffffff;color:#303846;border:1px solid #e4e1d8;border-radius:12px;padding:18px 20px;margin:18px 0"><h3 style="margin:0 0 10px;font-size:17px;font-weight:700;color:#171d29">Sources</h3><ul style="margin:0;padding-left:20px"><li style="margin:6px 0;line-height:1.6"><span style="color:#1f7a45;font-weight:700">official</span> — <a href="https://finhry.gov.in/haryana-civil-services-rules-2016/" rel="nofollow noopener" style="color:#255a45">Finance Dept Haryana — Haryana Civil Services Rules, 2016</a></li><li style="margin:6px 0;line-height:1.6"><span style="color:#1f7a45;font-weight:700">official</span> — <a href="https://finhry.gov.in/haryana-pay-and-pension-rules/" rel="nofollow noopener" style="color:#255a45">Finance Dept Haryana — Haryana Pay and Pension Rules (Revised Pay and ACP Rules 2016)</a></li><li style="margin:6px 0;line-height:1.6"><span style="color:#1f7a45;font-weight:700">official</span> — <a href="https://finhry.gov.in/document-category/punjab-civil-services-rules-financial/" rel="nofollow noopener" style="color:#255a45">Finance Dept Haryana — Punjab Civil Services Rules &amp; Financial (PFR Vol I &amp; II)</a></li><li style="margin:6px 0;line-height:1.6"><span style="color:#1f7a45;font-weight:700">official</span> — <a href="https://finhry.gov.in/rules/" rel="nofollow noopener" style="color:#255a45">Finance Dept Haryana — Rules page (Subsidiary Treasury Rules)</a></li><li style="margin:6px 0;line-height:1.6"><span style="color:#8a5300;font-weight:700">reported</span> — <a href="https://cga.nic.in/Book/Published/list.aspx" rel="nofollow noopener" style="color:#255a45">Controller General of Accounts — published books (GAR, List of Major &amp; Minor Heads)</a></li><li style="margin:6px 0;line-height:1.6"><span style="color:#8a5300;font-weight:700">reported</span> — <a href="https://www.indiacode.nic.in/" rel="nofollow noopener" style="color:#255a45">India Code — official repository of central Acts</a></li><li style="margin:6px 0;line-height:1.6"><span style="color:#1f7a45;font-weight:700">official</span> — <a href="https://hipaco.in/public/hipa/pdf/exam/booksallowedin2023exam.pdf" rel="nofollow noopener" style="color:#255a45">HIPA — Books allowed in SAS-II (OB) 2023 examination</a></li><li style="margin:6px 0;line-height:1.6"><span style="color:#1f7a45;font-weight:700">official</span> — <a href="https://hipaco.in/" rel="nofollow noopener" style="color:#255a45">HIPA homepage notice board (Books Allowed in SAS-II(OB) Exam, 11 Dec 2025)</a></li><li style="margin:6px 0;line-height:1.6"><span style="color:#1f7a45;font-weight:700">official</span> — <a href="https://hipaco.in/public/en/exam" rel="nofollow noopener" style="color:#255a45">HIPA (hipaco.in) — Examination page: syllabus, books allowed, datesheets, roll numbers, past papers</a></li><li style="margin:6px 0;line-height:1.6"><span style="color:#1f7a45;font-weight:700">official</span> — <a href="https://hrtreasuries.gov.in/document/criteria-guidelines-for-the-paper-of-sas-examination-part-i-ii/" rel="nofollow noopener" style="color:#255a45">Treasuries &amp; Accounts Dept — Criteria/Guidelines for the paper of SAS Examination Part I &amp; II (posted Nov 2020)</a></li></ul><p style="margin:12px 0 0;font-size:13px;color:#5b6472"><strong style="color:#1f7a45">official</strong> = a Haryana Government or HIPA document. <strong style="color:#8a5300">reported</strong> = a news or coaching site's transcription, which we could not check against the original. Where sources disagree this page says so rather than picking a winner.</p></div>

<div style="background:#ffffff;color:#303846;border:1px solid #e4e1d8;border-radius:12px;padding:18px 20px;margin:18px 0"><h3 style="margin:0 0 10px;font-size:17px;font-weight:700;color:#171d29">The rest of the Haryana SAS series</h3><ul style="margin:0;padding-left:20px"><li style="margin:6px 0;line-height:1.6"><a href="/hub/haryana-sas-syllabus-part-1-part-2" style="color:#255a45">HSAS syllabus — all nine papers of Part I and Part II, paper by paper</a></li><li style="margin:6px 0;line-height:1.6"><a href="/hub/haryana-sas-pass-marks-exemption-calculator" style="color:#255a45">Pass marks, exemption and result calculator — the 45 / 50 / 60 rules</a></li><li style="margin:6px 0;line-height:1.6"><a href="/hub/haryana-sas-previous-year-question-papers" style="color:#255a45">Previous year question papers — what exists, and which have official solutions</a></li><li style="margin:6px 0;line-height:1.6"><a href="/hub/haryana-sas-notification-2026" style="color:#255a45">HSAS 2026 notification — what has been issued, and how to apply</a></li><li style="margin:6px 0;line-height:1.6"><a href="/hub/haryana-sas-eligibility-who-can-appear" style="color:#255a45">Eligibility — who can sit SAS, and the direct-recruitment route</a></li><li style="margin:6px 0;line-height:1.6"><a href="/hub/haryana-sas-preparation-strategy-coaching" style="color:#255a45">Preparation strategy for working employees — with or without coaching</a></li><li style="margin:6px 0;line-height:1.6"><a href="/hub/sas-related-instructions-haryana-treasuries" style="color:#255a45">SAS Related Instructions — the Treasuries circulars page, explained</a></li><li style="margin:6px 0;line-height:1.6"><a href="/hub/haryana-sas-section-officer-salary-promotion" style="color:#255a45">Section Officer salary, posting and promotion after SAS</a></li><li style="margin:6px 0;line-height:1.6"><a href="/hub/haryana-civil-services-rules-2016-pdf-guide" style="color:#255a45">Haryana Civil Services Rules 2016 — all nine volumes, official PDFs</a></li></ul><p style="margin:12px 0 0;font-size:13px;color:#5b6472">Every page carries a "checked on" date and stamps each source as official or reported. Spotted something out of date? These pages are rebuilt from one file, so a correction fixes it everywhere at once.</p></div>

<a href="/exam/haryana-sas">This article has been published in Haryana SAS (Subordinate Accounts Service). Explore everything related to it here.</a>

Most SAS rule books are free government downloads. The complete list paper by paper, what HIPA allows into the exam hall, and the parts it excludes.

Haryana SAS exam books list — and the free official PDFs

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