KYCAML Exam Schedule 2026 — Registration, Exam Dates & Fee Structure

The KYCAML exam schedule for 2026 is crucial for banking professionals seeking to strengthen their compliance and regulatory knowledge. The Indian Institute of Banking & Finance (IIBF) conducts the Certificate Examination in Anti-Money Laundering & Know Your Customer (AML/KYC) on a rolling basis throughout the year, with dedicated exam windows published for each month. As of 12 July 2026, the Institute continues its remote proctored examination model with flexible registration and multiple session timings daily.

Latest KYCAML Exam Schedule for July 2026

The KYCAML exam schedule in July 2026 follows IIBF's standard remote proctored examination (RP) framework. Examinations are conducted on the 2nd Saturday, 4th Saturday, and all Sundays each month, allowing candidates maximum flexibility. The July 2026 window includes exams on 12th July (2nd Saturday) and 26th July (4th Saturday), with additional Sunday slots throughout the month.

Crucially, registration for KYCAML operates on a first-come, first-served basis, meaning seats fill rapidly. Candidates are advised to register immediately when the registration window opens at 4:00 PM on the published start date. For candidates who miss the 2nd Saturday exam, re-registration for the 4th Saturday becomes available 4 working days after the 2nd Saturday exam date.

This rolling schedule eliminates the pressure of a single annual or quarterly attempt—you can pursue the certification whenever suits your preparation timeline, making it ideal for working banking professionals and compliance officers managing tight schedules.

Full Examination Cycle Context: How KYCAML Fits Into IIBF's Year-Round Framework

The Certificate Examination in AML & KYC is part of IIBF's comprehensive portfolio of short-term, high-impact certificate programs designed for upskilling banking and financial services professionals. Unlike flagship programs like JAIIB or CAIIB—which follow structured quarterly schedules—KYCAML operates on a continuous, month-to-month remote proctored cycle.

Since February 2026, IIBF has been conducting KYCAML exams every month without fail, adapting to industry demand and technological readiness. The Institute publishes detailed schedules for each upcoming month (e.g., July 2026 schedule was published on 12 June 2026), giving candidates at least 2–3 weeks' notice to prepare and register. This flexibility has made KYCAML one of the most accessible certifications in India's banking training ecosystem.

The examination aligns with RBI and FATF guidelines on Know Your Customer norms, Anti-Money Laundering (AML) standards, and Combating the Financing of Terrorism (CFT) regulations—making it a compliance imperative for bank staff, compliance officers, and financial crime analysts.

Eligibility Criteria for KYCAML Certification

The Certificate Examination in AML & KYC is open to both IIBF members and non-members. This inclusive eligibility policy ensures that professionals from banks, NBFCs, financial institutions, and even non-banking sectors can pursue the certification to enhance their KYC and AML competence.

Minimum Qualification Required: Candidates must have passed the 12th standard (Higher Secondary) examination in any discipline, or its equivalent. Alternatively, candidates who have completed IIBF's BC/BF (Business Correspondent / Business Facilitator) examination are also eligible to appear.

There is no upper age limit, no experience barrier, and no sector restriction—making it accessible to both seasoned compliance professionals and entry-level banking staff. This openness reflects IIBF's mandate to promote financial literacy and regulatory awareness across India's banking ecosystem.

Step-by-Step Registration Guide for KYCAML Exam 2026

Registering for the KYCAML exam is straightforward, but timing and attention to detail are critical. Here is the complete process:

1. Create or Log Into Your IIBF Account: Visit the official IIBF website (iibf.org.in) and log in with your email and password. If you are a new candidate, create an account by providing your name, email, phone number, and membership status (member or non-member).
2. Navigate to Certificate Examination Registration: Go to "Examinations" → "Certificate Examination in AML/KYC" → "Apply Online." The portal will display currently open windows and upcoming registration dates.
3. Check the Registration Window for Your Target Month: Registration opens at 4:00 PM (IST) on the published start date and closes at a specified end date. For July 2026, windows were announced for both the 2nd Saturday (12 July) and 4th Saturday (26 July) slots.
4. Click 'Register' and Select Your Preferred Exam Date & Time Slot: Upon registration opening, log in, click the KYCAML exam link, and choose your preferred date (e.g., 12 July 2026) and session (10 AM, 12:45 PM, or 3:30 PM). Seats are allotted strictly on a first-come, first-served basis.
5. Provide Required Personal Details: Fill in your date of birth, gender, state, mobile number (for admit letter delivery), and any special requirements (e.g., scribe for visually impaired or orthopedically challenged candidates).
6. Confirm E-Learning Preference: IIBF offers study material as e-books and/or e-learning modules. Choose whether you want to purchase the e-learning content (additional fee applies); this is optional and does not affect exam eligibility.
7. Review and Submit Payment: Review all details on the summary screen. Confirm that your name, email, and chosen exam date/time are correct. Click "Proceed to Payment."
8. Pay Examination Fee: Pay via credit card, debit card, net banking, or UPI. The fee is Rs. 1,100 (members) or Rs. 1,600 (non-members), plus applicable GST and convenience charges. A receipt will be generated immediately.
9. Download Admit Letter: Upon successful payment and registration confirmation, an admit letter is generated automatically. Log in to your candidate profile and download it. The admit letter will contain your roll number, exam date, time slot, and remote proctoring instructions.
10. Prepare Your Exam Environment: Review the admit letter for remote proctoring guidelines (webcam setup, desk clearance, noise-free environment, etc.). Ensure your device meets technical requirements: Desktop/Laptop with Windows or macOS, a working webcam, microphone, stable internet (minimum 2 Mbps), and a compatible browser. Mobile phones and tablets are NOT permitted.

Examination Fee Structure & Late Payment Tiers (2026)

Important Note: There are no late payment tiers or penalty fees. IIBF operates a simple, transparent model: pay the base fee + GST + convenience charges during your registration window. Once the registration window closes, you cannot pay late; you must wait for the next month's exam window. This first-come, first-served model prevents logistical backlogs and ensures fair seat allocation.

Exam Pattern, Duration & Marking Scheme

Examination Format: The KYCAML exam is a fully objective, multiple-choice question (MCQ) paper delivered in online remote proctored mode. There is no essay component, descriptive answers, or subjective marking—making it fair, transparent, and rapid.

Duration: 2 hours (120 minutes) per candidate. No time extensions are granted, even for candidates with disabilities (though scribe and extra reading time facilities may be available—contact IIBF directly).

Number of Questions: 120 MCQs, each worth a fixed number of marks totaling 100 marks. This means most questions carry 0.83 marks each, with minimal variation.

Passing Criteria: Minimum 60 marks out of 100 are required to pass (60% pass threshold). This is a moderate but challenging target, requiring solid understanding of both KYC and AML frameworks, not rote learning.

Negative Marking: There is NO negative marking for wrong answers. This encourages informed guessing and reduces anxiety—a smart move by IIBF to reward actual knowledge over test-taking tactics.

Exam Language: English only. IIBF does not offer Hindi, regional language, or bilingual versions of KYCAML.

Evaluation & Results: Results are typically declared within 2–4 weeks of the exam. Candidates can download their provisional scorecard (with marks) from their IIBF account. A formal certificate is mailed or available for download after result publication.

Smart Study Plan for KYCAML Success

The KYCAML exam assesses four broad domains: KYC principles, AML standards, CFT regulations, and practical compliance scenarios. A structured 4–6 week study plan is ideal for most professionals.

Weeks 1–2: Foundation & KYC Fundamentals – Study IIBF's official courseware (e-book), focusing on the definition and scope of KYC, RBI guidelines on customer identification, documentation, and risk classification. Understand why KYC is the cornerstone of compliance.

Weeks 2–3: AML Standards & Typologies – Deep dive into money laundering stages (placement, layering, integration), FATF Recommendations, FEMA rules, and AML red flags. Learn suspicious transaction reporting (STR) requirements and delayed reporting scenarios.

Week 4: CFT & Sanctions Regime – Cover UN sanctions, UNSC 1373, targeted financial sanctions (TFS), freeze of funds, and de-listing procedures. This is the most technical portion; take notes and relate to case studies.

Week 5: Case Studies & Scenario-Based Questions – IIBF exam favours scenario-based MCQs. For each concept learned, imagine how it appears in an exam question. Use IIBF's mock test feature or sample questions if available.

Week 6: Revision & Mock Tests – Revise weak areas, attempt timed mock exams (120 minutes), and build speed and accuracy. Aim to score 70+ marks consistently in mocks.

Pro Tips: (1) Purchase IIBF's e-learning module for audio-visual clarity; (2) Cross-reference IIBF study material with RBI Master Circulars on KYC and AML (available on rbi.org.in) to build depth; (3) Join banking compliance forums or LinkedIn groups for peer discussion and motivation; (4) Register for your exam slot early (on day 1 of registration opening) to lock in a preferred date and time; (5) Do not cramming—spacing practice over 4–6 weeks builds retention.

Common Registration Mistakes to Avoid

Hundreds of candidates miss crucial deadlines or make errors that result in exam rescheduling or forfeiture of fees. Here are the top mistakes and how to avoid them:

1. Missing the Registration Window Entirely: Registration opens at 4:00 PM on the start date and closes at the end date. Many candidates assume it stays open indefinitely. Solution: Mark the start and end dates on your calendar. Set a phone reminder for 3:50 PM on day 1.

2. Assuming Seats Are Unlimited: IIBF's remote proctoring infrastructure has seating constraints. Slots fill within hours, especially for peak times (weekend sessions). Solution: Log in at exactly 4:00 PM and register immediately. Avoid delaying by even a day.

3. Selecting an Incompatible Device: Candidates register on their phone thinking they can take the exam on mobile. Mobile phones are explicitly prohibited. Solution: Verify you have a Desktop or Laptop with camera/microphone before registering. Test your device 2 days before the exam.

4. Incorrect Email or Mobile Number: The admit letter is sent via email and SMS; an error means you miss crucial exam details. Solution: Triple-check your email and phone number during registration. Use a professional email you check daily.

5. Ignoring Proctoring Environment Requirements: Many candidates don't prepare their exam space (poor lighting, untidy desk, shared room with family). Proctors may reject your exam setup, causing cancellation. Solution: Review admit letter instructions 1 week in advance. Ensure a quiet, well-lit, private room with a clear desk. Test your camera angle—it should show your face and hands clearly.

6. Not Downloading the Admit Letter: Some assume it will arrive in mail (it does, eventually, but may be delayed). Solution: Download your admit letter immediately after payment. Save it as PDF and print a copy as backup.

7. Attempting to Reschedule After Deadline: IIBF does not allow rescheduling once the exam date arrives. Solution: Only register for a date you are 100% confident you can attempt. If you are ill or have an emergency, contact IIBF immediately (before your exam slot) to explore rare exceptions.

8. Confusing KYCAML with Other Certs: Some register for the wrong exam (e.g., "Certified Treasury Professional" instead of KYCAML). Solution: Double-check the exam name in your candidate profile. The official title is "Certificate Examination in Anti-Money Laundering & Know Your Customer."

Frequently Asked Questions (FAQ) on KYCAML Exam Schedule

Q1: Can I appear for KYCAML if I am not an IIBF member?

Yes, absolutely. The exam is open to both members and non-members. Non-members pay a slightly higher fee (Rs. 1,600 vs. Rs. 1,100 for members), but eligibility is identical. There is no membership requirement to sit the exam.

Q2: How many times can I attempt KYCAML in a year?

Theoretically, unlimited. Since IIBF conducts exams monthly, you could attempt 12 times in a year (once per month) if you fail and wish to retake. However, most professionals pass on the 1st or 2nd attempt. Candidates are required to register separately for each attempt; fees are payable each time.

Q3: Is KYCAML harder than JAIIB?

No, they are incomparable. JAIIB is a comprehensive 2-subject diploma covering banking fundamentals, deposit banking, and advances. KYCAML is a niche, short-duration certificate focusing exclusively on KYC/AML/CFT compliance. KYCAML is narrower but deeper in its subject area. Difficulty depends on your background—a compliance officer will find KYCAML easier, while a retail banker might find JAIIB more intuitive.

Q4: Will I get the certificate immediately after passing?

No. Results are declared 2–4 weeks after the exam. Once results are published, you can download a digital e-certificate from your IIBF account profile. A printed certificate is mailed to your registered address (may take 1–2 weeks more). If you need it urgently, apply for duplicate certificate (paid service) to expedite.

Q5: Can I take the exam from home or only from a test centre?

Fully from home (or any secure private space with a computer, camera, and stable internet). KYCAML is 100% remote proctored; there are no physical test centres. A live proctor monitors you via webcam throughout the exam to prevent malpractice.

Q6: What if my internet disconnects during the exam?

IIBF is not responsible for technical failures on your end. If your internet drops, your exam session ends, and you will be marked absent. There is no makeup or rollover. This is explicitly stated in the rules. To mitigate: (1) Use a wired internet connection (LAN cable) if possible; (2) Use high-speed WiFi as backup; (3) Ensure your device is fully charged; (4) Avoid exam slots during peak household internet usage (evening hours).

Conclusion: Start Your KYCAML Journey Today

The Certificate Examination in AML & KYC is one of India's most accessible, industry-relevant compliance certifications. With monthly exam windows, flexible remote proctoring, transparent fees, and no negative marking, IIBF has removed barriers to entry. Whether you are a bank compliance officer, risk manager, or a banking aspirant aiming to differentiate your CV, KYCAML is a 6-week investment yielding lifelong credential value.

The next KYCAML exam window is fast approaching. Mark your calendar for the registration opening date, prepare using structured 4–6 week study plan, and register on day 1 of the window to secure your preferred slot. With disciplined preparation and strategic exam-taking, a 60+ score is well within reach. The certificate, once earned, signals your commitment to India's financial crime prevention ecosystem—a credential respected across banks, NBFCs, and financial institutions nationwide.

Sources

• Certificate Examination in AML/KYC – IIBF Official Page
• Certificate Examination in Anti-Money Laundering & Know Your Customer – Rules & Syllabus (2026)
• Schedule of Certificate Examinations under Remote Proctored mode – July 2026
• Exam-related Notices & Schedules – IIBF
• IIBF Homepage – Announcements & Latest Updates

Related KYCAML Guides