IIBF AML KYC Exam: Complete Preparation Guide 2026

TIRM 18 June 2026 · 9 min read

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Iibf aml kyc exam — this guide gives you the latest 2026 information, key dates, eligibility, fees and study tips for the KYC-AML exam.

IIBF AML KYC Certification Exam: What You Need to Know

The Anti-Money Laundering and Know Your Customer (AML/KYC) certification exam is conducted by the Indian Institute of Banking and Finance (IIBF) for banking professionals and eligible candidates who wish to demonstrate competence in AML and KYC compliance. This guide covers the exam overview, eligibility, pattern, full syllabus, and an effective study approach to help you clear this certification in your first attempt.

The AML KYC certification is conducted by IIBF throughout the year. For the current exam schedule and registration dates, check iibf.org.in for the latest information.

Key Points

The AML KYC exam is a 100-mark online examination consisting of 120 MCQs to be completed in 2 hours; the minimum passing score is 60 marks.
Candidates who have passed Class 12 (any stream) or have completed IIBF's BC or BF examination are eligible to appear.
The exam is conducted in remote proctored mode; candidates appear from a secure location with a webcam and stable internet connection.
The syllabus covers money laundering techniques, PMLA objectives, RBI and IBA guidelines, KYC procedures, and customer due diligence.
Exam fees: Rs. 1,100 + GST for IIBF members; Rs. 1,600 + GST for non-members (verify current fees at iibf.org.in).

About the AML KYC Certificate Examination

This certificate exam is offered by IIBF to help banking professionals develop competence in identifying and reporting anti-money laundering activities. After completing the course. Candidates gain the ability to handle KYC compliance, manage suspicious transaction reporting responsibilities, and understand the regulatory obligations of their employer banks under Indian law and international standards.

The examination is particularly relevant for bank employees working in account opening. Compliance, audit, and customer relationship roles, where understanding KYC and AML obligations is a professional requirement.

Eligibility for the AML KYC Exam

The following candidates are eligible to appear for the AML KYC certification examination:

Any person who has passed Class 12 (in any stream), whether employed in a bank or not.
Any person who has completed the IIBF BC (Banking Correspondent) or BF (Banking Facilitator) examination.

There is no restriction on the candidate being currently employed in a bank to appear for this exam.

AML KYC Exam Pattern

Subject	Total Marks	Minimum Passing Marks	Number of MCQs	Duration
Anti-Money Laundering and Know Your Customer in India	100	60	120	2 hours

The exam is conducted entirely online in remote proctored mode. Candidates must appear from a secure, quiet location with a desktop or laptop computer. Mobile phones and tablets are not permitted for the examination.

AML KYC Exam Fees

For IIBF Members: Rs. 1,100 + GST at 18% = Rs. 1,298 (approximate)
For Non-Members: Rs. 1,600 + GST at 18% = Rs. 1,888 (approximate)

Fee amounts may be revised by IIBF. Always verify the current fee on the official website iibf.org.in before registration.

AML KYC Syllabus: Complete Coverage

Anti-Money Laundering

Money Laundering — Origin, Definition, Techniques, and Impact on Banks
Structuring, Integration, and Preventive Legislations
International Co-operation — UK, USA, India
Basel Committee recommendations on AML
Prevention of Money Laundering Act (PMLA) — Objectives and key provisions
RBI Guidelines on AML compliance
System Adequacy to Combat Money Laundering
Anti-terrorism financing
Financial Intelligence Unit (FIU-IND)
Financial Action Task Force (FATF) — recommendations and India's role
IBA Working Group on AML
Software tools for AML monitoring and screening
Money Laundering in Correspondent Banking
Exchange Companies and Foreign Branches

Know Your Customer

Introduction and overview of KYC principles
Customer Profile and risk categorization
KYC Policies — Indian context and global benchmarks
Countries deficient in KYC policies
RBI KYC Master Direction — key prescriptions
Customer Definition under KYC principles
Transaction Profile and monitoring
Organizational structure for KYC compliance
Introduction of new accounts — guidelines for Companies, Trusts, Firms, Intermediaries
Client Accounts opened by Professional Intermediaries
Trust / Nominee / Fiduciary Accounts
Accounts of Politically Exposed Persons (PEPs) residing outside India
Accounts of non-face-to-face customers
Joint Accounts and Minor Accounts
KYC for existing accounts
KYC for low-income group customers
Monitoring Accounts — customer research and suspicious transactions
Organized financial crimes

Minimum Technical Requirements for the Remote Proctored Exam

Desktop or Laptop

Browser: Google Chrome version 75 and above, with cookies and pop-ups enabled
Video/Audio: A working webcam and a good-quality microphone
Operating System: Windows 8 or Windows 10
RAM and Processor: 4 GB or more RAM; Intel i3 5th Generation 2.2 GHz or equivalent/higher
Pop-up blocker: Disabled

Internet Connection

Stable internet connection with at least 512 kbps upload speed

Important: The examination is not allowed on mobile phones or tablets.

How to Register for the AML KYC Exam

Visit the official IIBF website at iibf.org.in and navigate to the examination registration section.
Create an account or log in using your existing IIBF membership credentials.
Select the AML KYC examination, choose your preferred exam date and time slot.
Optionally, enroll for the official IIBF e-book or e-learning material during registration by paying the additional fee.
Complete payment using the available online payment options (debit/credit card, net banking, UPI).
Download your admit letter after successful registration — you will need this on the day of the examination.

Exam Day Checklist

Log in to the examination system at least 30 minutes before the scheduled start time.
Keep a valid original photo ID ready (Aadhaar card, PAN card, passport, or employer's ID card).
Ensure your desk is clean and clear — no books, notes, or electronic devices other than the examination computer.
Your face must remain visible to the webcam throughout the examination session.
Do not speak aloud, read aloud, or contact any other person during the examination.
A portable battery-operated calculator with up to 8 basic functions is permitted.
Ensure your laptop is fully charged or connected to an uninterrupted power supply.

Debarment and Cancellation of Examination

The proctor will intervene and may issue a warning or cancel the exam if the candidate engages in unfair practices.
If unfair conduct is detected after the exam, the result will be nullified and the candidate's employer will be informed.
Attempting to capture onscreen questions, taking photographs, or breaking any exam guideline is treated as misconduct.
Refer to the IIBF website under the menu "Exam Related" for details on the debarment period for unfair practices.

Effective Study Approach for AML KYC

Start with the conceptual section on Money Laundering — understand the stages (placement, layering, integration) before moving to legislation.
Study the PMLA provisions carefully; questions on PMLA objectives and key definitions appear regularly.
Pay close attention to RBI Master Direction on KYC — know the categories of customers, the CDD requirements, and the monitoring obligations.
Practice MCQs regularly, especially on suspicious transaction reporting, FATF recommendations, and account opening guidelines for specific customer types.
Revise definitions — under KYC principles, the definition of "customer", "beneficial owner", and "PEP" are frequently tested.

Frequently Asked Questions

1. Is the AML KYC exam conducted only for bank employees?

No. Any candidate who has passed Class 12 in any stream is eligible to appear for the AML KYC exam. Regardless of whether they are employed in a bank or not. Bank employees as well as outsiders can register for this examination.

2. How many times can I attempt the AML KYC exam?

IIBF allows multiple attempts for certification exams. However, there may be a prescribed maximum number of attempts. Refer to the current exam notification on iibf.org.in for the applicable attempt limit.

3. What is the passing percentage for the AML KYC exam?

Candidates must score a minimum of 60 marks out of 100 to pass the AML KYC exam. This corresponds to a passing percentage of 60%.

4. Is the AML KYC certificate valid permanently?

IIBF certifications are generally valid for a limited period after which renewal may be required. Check the current IIBF policy on certificate validity and renewal at iibf.org.in.

5. What is the difference between AML and KYC?

KYC (Know Your Customer) refers to the procedures banks use to verify customer identity and assess the money laundering risk they pose. AML (Anti-Money Laundering) is the broader framework of measures financial institutions must take to prevent, detect, and report money laundering activities. KYC is a component within the overall AML framework — they are related but not identical concepts.

For more on iibf aml kyc exam, see the official IIBF circulars and our chapter-wise free notes on iibf.store.

Browse the full KYC-AML syllabus + free classes to jumpstart your prep.

Practice on our latest mock tests with bilingual explanations and a public leaderboard.

Sharpen recall with the matching games — 60-second drills on dates, schemes and definitions.

Source: Indian Institute of Banking & Finance — iibf.org.in

IIBF AML KYC Exam: Complete Preparation Guide 2026