CAIIB Elective what has to be choose?

S.No	Elective Paper	Opinion
1	Corporate Banking	Aspirants working in Corporate Banking section should take this paper.  Also persons working in new Private Sector Banks are also recommended to take this paper. Difficulty: Moderate Tough
2	Retail Banking	Universal paper for CAIIB aspirants. Many bankers are feeling that this is the easiest subject to pass. Because most of the concepts in this subject are already familiar to us. So it is easy to study and understand the concepts. Recommended for bankers who wants to clear the exam with the motive of increment and promotion. Difficulty: Comparatively easier than all papers but question can also be made tough.
3	Rural Banking	People who are working in the RRB and want to purse their career in RRB must take this as there elective. Also bankers who has strong desire to serve the rural regions and will be working more than one year in rural areas can also take this subject. If you know about agriculture and its related government schemes related to it, then appear for this paper. Difficulty: Tough
4	International Banking	This is an important sector/department of the commercial banks. So persons who has strong desire to work in International Banking Division should prefer this paper as their elective. Banker’s working in Forex Branches also recommended for this elective.  For bankers who wants to have vertical growth in their banking career can also take this paper. Difficulty:  Toughest of all but good for banking career.
5	Co-Operative Banking	Must for persons working in cooperative banks. Others please stay away from this paper. Difficulty: Moderate
6	Financial Advising	Persons who has good knowledge in finance or has finance degree must take this paper.  Can be taken by persons who want to clear CAIIB for increment and promotion because of easy to understand concepts.  Difficulty: Tougher than retail banking but easier than all.
7	Human Resources Management	Must for persons completed MBA in HRM. Others please stay away. Difficulty:   Moderate for MBA in HRM and Tough for others.
8	Information Technology	Techies and persons having computer knowledge should take this paper. Others stay away from it. Nowadays importance of IT oriented products are increasing day-by-day. EASY: Easy for techies. Slightly tough for others.
9	Risk Management	This is an important and specialized sector/department of the commercial banks. So persons who has strong desire to work and persons working in Risk Management  should take this paper as their optional Difficulty: Slightly easier than International Banking paper and tougher than all.
10	Central Banking	If your want to know about RBI then take this subject. Difficulty: Tougher than Retail Banking paper and easier than all. If you want to clear CAIIB only for increment you can try.  But you should have decent economics knowledge.1
11	Treasury Management	This is an important and specialized sector/department of the commercial banks. So persons who has strong desire to work and persons working in Treasury should take this paper as their optional Difficulty: Slightly easier than International Banking paper and tougher than all.