CCP syllabus is an important resource For candidates preparing for CCP exam. Before starting the preparation of the CCP certification course, candidates should review the CCP course thoroughly, as it outlines subjects that have to be covered for examination. The CCP course is designed for those interested in the finance sector and aspire to become a credit officer. In this post, we have provided detailed module-wise CCP Syllabus 2025.
CCP course 2025
The CCP course aims to provide training to individuals such as credit, bank guarantee, co-sanction, buyer’s credit and supplier’s credit. The primary objective of the certification course is to develop a skilled group of credit officers within banks that can handle diverse credit tasks efficiently and manage credit-related issues effectively. For candidates wishing to pursue the CCP course, it is important to remain updated with the CCP syllabus 2025 and plan their preparation accordingly.
Read, IibF CCP exam 2025
CCP syllabus module A: Introduction and Credit Overview
- Borrowing Principles: Security, liquidity, profitability, purpose of debt, diversification risk.
- Model Credit Policy: Importance, content, exposure criteria, model MSE policy.
- Types of borrowers: Individuals – chief, minor, married women, pardhansashin women, illiterate persons, agents, attorney, joint borrowers, Hindu undivided family (HUF), proprietorship firm, partnership firms, limited companies, limited companies, statutory companies, holding companies, government companies, Private and pubic limited companies, fees registration, limited liability participation (LLP).
- Types of credit features: Different types of credit facilities – cash credit, overdraft, demand loan, bills finance – dry bill scheme, bill discounting.
- Credit delivery: Types of facilities, methods of distribution, only banking system, several banking system, consortium lending, syndication. Credit thrust, credit priorities, credit acquisition, statutory and regulatory restrictions on progress.
- Credit Evaluation: Verification of proposal, dimensions of credit assessment, six “C” s, loan structure
Documents, credit risk, credit risk rating, borrower’s credit qualification, purpose of debt, source of repayment, cash flow, collateral. - credit rating: Risk measures, rating purpose, internal and external ratings, model credit ratings, functioning of rating, internal and external comparison, model rating format.
CCP syllabus module b: analysis of financial statements
- Analysis of financial statements: Balance sheet-deficit, balance sheet and banker, classification of property and liabilities, current assets, immovable property, non-present property, intangible and fictional property, liabilities-prestige liabilities, moderate and duration liabilities, capital and reserve, classification of classifications & Current liabilities, balance sheet analysis, profit and loss account analysis, auditor note. Ratio analysis – classification of ratio, liquidity ratio, activity ratio, activity ratio, profitability ratio, other important ratio, interpretation of significant financial ratio, use of ratio, fund flow details, technique fund flow and cash flow details, illustrations.
- Project/ Term Loan Assessment: Technical assessment, commercial/ market assessment, financial assessment, financial assessment, financial assessment, economic assessment, environmental assessment, cost of project, cost and cost of finance, cost of production and profitability, sensitivity analysis, brake-even analysis, capital budget-paying back back Duration, time, time. Price money, net current value, internal rate of return, project life.
CCP Syllabus Module C: Working Capital Management
- Working Capital Evaluation: Working Capital, Gross Working Capital, Net Working Capital, Working Capital Gap, Working Capital component, working capital source, operating/ working bicycle, storage/ retirement period calculating, various methods of evaluation of work capital, computation workput capital – Turnover method, MPBF method, cash budget system, images, impact of insufficient working capital, working capital finance for it. And software industry, loan distribution system, cash flow
Analysis, commercial letters, credit distribution, analysis of CMA data. - As a credit features: Benefits of non-fund features, different types of NFB facilities, different types of credit letters, assessment of LC boundaries, bill purchase/ exemption under LC.
- Different types of bank guarantee: Performance guarantee, financial guarantee, deferred payment guarantee, performance type and financial guarantee, assessment of bank guarantee limit, claim period under guarantee.
- Co-concepts: RBI guidelines, co-acceptance of bills covering goods and machinery supply.
CCP Syllabus Module D: Other Credit
- Export Finance: Pre-discharge finance-export packing credit, running account facility, running account facility, pre shipment credit in specific areas-OP suppliers, construction contractors, processors/ exporters to export credit credit zone, export-income export zone, export credit insurance to complete turnover packing Credit, Pre-Shipment Forex Credit (PCFC), account facility in all currencies, deemed exports, diamond dollar account scheme, post shipment rupees export finance, export bills procurement/ exemption, export bills negotiation, exports on the basis of consignment , Advance back entitlements against duty, ECGC full turnover post-shipment guarantee scheme, interest rate of rupee export credit, ECNO, rupee export credit rate subvention, shipment finance in foreign currency, gold card scheme for exporters, crystallization of export bills .
- Priority Sector Loom/ Government Sponsored Schemes: Various categories of borrowers of priority sector, agriculture (direct and indirect) Finance, MSME Finance. , Loans, housing finance, weak section, export loan, difference rate of interest scheme, priority sector targets.
- Retail loan: Specialty of retail loans, benefits of retail loan, retail banking vs. corporate banking, various retail banking products, model retail banking products – home loan, vehicle loan, personal loan,
Pensioner Loan Scheme, Property Loan, Holiday Loan Scheme, Gold Loan Scheme,
Education loans, etc., guidelines on Cersai registration.
CCP Syllabus Module E: Monitoring, supervision and managing follow -up and impaired assets
- Document: Meaning, importance, types of documents, requirement of documentation, selection of documents, stamping of various documents, time and stamping time, UN-Stamped/ Under-Stamping Documents, which are compulsory registration of documents, registrations The deadline, time limit of registration, result of non-registration, execution, method of execution by various executives, boundary duration, limit for guarantor,
Extension of boundary duration, enforcement of documents, death of borrower/ guarantor. - Types of fees: Objective, different types of fees, types of safety, method of charge, lien, negative lien, set, assignment, pledge, banker’s rights as a pledge, duty as a pledge, fee mode, hypothycation, mortgage – hostage – Difference between different types of mortgage, simple and just hostage.
- Credit Monitoring, Supervision and follow -up: Credit Monitoring-Arth, monitoring targets, monitoring process, various monitoring equipment, check-list for monitoring, monitoring, supervision and follow-up using various statements, QIS formats/ guidelines.
- Management of impaired assets: Introduction, Credit Monitoring, NPA Why and how? NPA management policy, definition of sick unit, non-performing property (NPA), income recognition policy, property classification, guidelines on asset classification, projects under implementation, project loans and non-infrastructure areas under infrastructure and non-infrastructure sectors, commercial immovable property sector Projects under projects, income recognition, finance, provisions
Criterics for NPA, provision coverage ratio (PCR), options available to banks under stress
Property, prudent guidelines on reorganization of eligibility criteria for restructuring, asset classification criteria for restructured assets, recommendations of Mahapatri Samiti, Recruitted Cudge on Reorganization
Advance, general provisions on restructured standard accounts, up-gradation of reorganized accounts, rehabilitation, viability period, viability parameters, encouragement for quick implementation of reorganization package, corporate debt restructuring (CDR) mechanism, CDR structure and operation, new RBI structure property, willful defaulters, punishment measures, compromise, legal action, prior litigation, pre -filing precautions, types of decree, decree performance mode, folk adults, loan recovery tribunal, syffiy, write. - Fair practice: Propactism, adoption of practices, debt processing, evaluation, disintegration, administration, memory of loan/ repayment, grievance redressal mechanisms.
CCP exam pattern 2025
The main features of CCP exam pattern 2025 are as follows:
- Indian Banking and Finance Institutes will conduct CCP exam 2025 in online mode.
- A total of 100 objective-type questions will be asked for maximum 100 marks.
- The question paper will have status analysis and problem-based questions.
- The duration of the exam will be 2 hours.
- There will be no negative marking for wrong answers in the CCP exam 2025.
