IIBF MSME study guide
IIBF MSME · Work through your exam, one topic at a time.
The IIBF MSME page on this site covers the Indian Institute of Banking & Finance's short professional-development offering titled "MSME FINANCING: APPRAISAL, MONITORING & RECOVERY". According to the IIBF website, this is a virtual training programme delivered by IIBF's Professional Development Centre, East Zone, Kolkata, scheduled for 05th–07th January 2027, with the last date to apply being 31st December 2026. It is not a conventional written examination with a published syllabus, mark scheme or pass mark; it is a three-day, instructor-led online programme aimed at bankers and finance professionals who appraise, monitor and recover loans to micro, small and medium enterprises. IIBF runs a related programme, "MSME Financing & Restructuring for Banks, NBFCs & FIs", from 03rd to 05th December 2026, which candidates may also consider. The site's own announcements do not publish a fee, detailed module list, assessment format or certificate criteria for either programme, so those details must be confirmed with IIBF directly. To prepare, candidates should first read the current announcement on iibf.org.in, register before the stated cut-off, and revise core MSME credit concepts in advance: entity and segment classification, credit appraisal including working capital assessment and unit economics, documentation and security creation, post-disbursement monitoring with early warning signals, and recovery routes. Topics on this exam: MSME Financing: Appraisal, Monitoring & Recovery. The IIBF MSME study guide has 1 section and about 420 words.
01MSME Financing: Appraisal, Monitoring & Recovery
This domain tests whether you can appraise an MSME proposal from cash flow and working-capital logic, set a defensible limit, monitor it after disbursement, and choose the correct recovery route. Questions often combine Udyam/GST evidence, CMA data, drawing power, CGTMSE cover and SMA/NPA timelines. Appraise the borrower, not only the collateral. Check Udyam registration, GST returns, bank statements, CMA/projected financials, promoter experience, market and technical feasibility.
420 words, about 2 minMore study resources for IIBF MSME
- Practice questionsUnder the standard MSME classification used in India, an enterprise is placed in the micro, small or medium category based on which two parameters taken together?
- FlashcardsMPBF. Maximum Permissible Bank Finance under Tandon Committee norms; first method: 75% of working capital gap; second method: 75% of current assets less current liabilities other than bank borrowings.
- Cheat sheetAppraisal sequence: (1) promoter/character and KYC, (2) technical/economic feasibility, (3) financial viability, (4) credit structure and security, (5) sanction, (6) disbursement, (7) post-disbursement monitoring.
- Key termsCredit Appraisal. The structured assessment a lender performs before sanctioning a facility, covering the borrower's character, technical and economic viability, financial position, and repayment capacity to judge whether the loan will be repaid.
- Study planMap the full appraisal-to-recovery lifecycle for an MSME term loan and label each stage with the decision it drives (sanction, disbursement, review, classification, recovery).
- Common mistakesCandidates learn one appraisal framework (usually term loan) and reuse it because it feels safe; they do not map the product type to the correct cash-flow cycle, drawing power, or repayment source before computing anything.
- Exam-day guideCarry the admit card or call letter issued for the MSME exam.