The JAIIB (Junior Associate of the Indian Institute of Bankers) exam is a flagship certification offered by the Indian Institute of Banking & Finance (IIBF) to enhance the professional knowledge of banking employees.
Exam Schedule
- Held twice a year: May and November
Important Dates
| Event | Dates (November) |
|---|---|
| JAIIB Application Start Date | 1st August 2025 |
| JAIIB Application End Date | 21st August 2025 |
| JAIIB Exam Date | 2nd, 8th, 9th and 16th November 2025 |
Eligibility
- The examination is open only to the ordinary members of the Institute (Any person working in the banking and finance industry whose employer is an Institutional member of the Institute can apply for membership. For details visit the IIBF website).
- Candidates must have passed the 12th standard examination in any discipline or its equivalent. The Institute may, however at its discretion, allow any candidate from clerical or supervisory staff cadre of banks to appear at the examination on the recommendation of the Manager of the bank/ officer-in-charge of the bank’s office where the candidate is working, even if he/ she is not 12th standard pass or its equivalent.
- Subordinate staff of recognized Banking/ Financial Institutions in India, who are members of the Institute, are eligible to appear at the examination, provided they have passed the 12th standard examination or its equivalent.
Subjects of Examination:
- Indian Economy & Indian Financial System
- Principles & Practices of Banking
- Accounting & Financial Management For Bankers
- Retail Banking & Wealth Management
JAIIB 2025 Registration Dates & Late Fees
The details of the IIBF JAIIB Registration Fees details are as follows:
| Registration Window | Applicable Fee |
|---|---|
| 01 August – 07 August 2025 | Normal Examination Fee |
| 08 August – 14 August 2025 | Normal Fee + ₹100 Late Fee |
| 15 August – 21 August 2025 | Normal Fee + ₹200 Late Fee |
JAIIB Exam Fee Based on Attempts
The details of the JAIIB Examination Fees are as follows:| Attempt | Fee (₹) |
|---|---|
| First Attempt | ₹4,000 + GST |
| Second Attempt | ₹1,300 + GST |
| Third Attempt | ₹1,300 + GST |
| Fourth Attempt | ₹1,300 + GST |
| Fifth Attempt | ₹1,300 + GST |
Passing Criteria:
- Pass with 50/100 per subject
- OR 45+ in each subject + aggregate 50% in one attempt
- Credits retained for passed subjects till time limit expires
Time Limit for Passing the Examination:
- 5 attempts within 3 years from registration
- If exhausted, candidate must re-enrol and start fresh
- Attempts counted at time of registration, regardless of appearance
Exam Pattern
| Subjects | No. of Questions | Total Marks | Duration |
|---|---|---|---|
| Indian Economy & Indian Financial System | 100 | 100 | 2 hours |
| Principles & Practices of Banking | 100 | 100 | 2 hours |
| Accounting and Financial Management for Bankers | 100 | 100 | 2 hours |
| Retail Banking & Wealth Management | 100 | 100 | 2 hours |
- No negative marking
- Online MCQ format
- Medium: English or Hindi
JAIIB Syllabus
Paper I : Indian Economy & Indian Financial System
Module A: Indian Economic Architecture
- An overview of Indian Economy
- Role of Priority Sector and MSME in the Indian Economy
- Infrastructure including Social Infrastructure
- Globalisation – Impact on India
- Economic Reforms
- Foreign Trade Policy, Foreign Investments and Economic Development
- International Economic Organizations (World Bank, IMF etc.)
- Climate change, Sustainable Development Goals (SDGs)
- Issues facing Indian Economy
Module B: Economic Concepts Related To Banking
- Fundamentals of Economics, Microeconomics, Macroeconomics and Types of Economies
- Supply and Demand
- Theories of Interest
- Business Cycles
- Monetary Policy and Fiscal Policy
- National Income and GDP Concepts
- Union Budget
Module C: Indian Financial Architecture
- Indian Financial System – An Overview
- Indian Banking Structure
- Banking Regulation Act, 1949 and RBI Act, 1934
- Development Financial Institutions
- Micro Finance Institutions
- Non-Banking Financial Companies
- Insurance Companies
- Indian Financial System - Regulators & their roles
- Reforms & Developments in the Banking sector
Module D: Financial Products And Services
- Overview of Financial Markets
- Money Markets and Capital Markets
- Fixed Income Markets - Debt / Bond Markets
- Capital Markets and Stock Exchanges
- Forex Markets
- Interconnection of various markets/Market Dynamics
- Merchant Banking Services
- Derivatives Market including Credit Default Swaps
- Factoring, forfaiting & Trade Receivables Discounting System (TReDS)
- Venture capital
- Leasing and Hire Purchase
- Credit Rating agencies & their functions
- Mutual Funds
- Insurance Products
- Pension Funds (include APY, NPS)
- Guidelines on Para Banking & Financial Services provided by Banks
- Real Estate Investment Funds / Infrastructure Investment Fund (concept)
Paper II : Principles & Practices of Banking
Module A: General Banking Operations
- Banker-Customer Dynamics
- AML-KYC Compliance
- KYC Operational Guidelines
- Account Opening for Diverse Customers
- Managing Deposit Accounts
- Clearing, Collection, and Cash Operations
- Special Banking Relationships
- Forex Remittance for Individuals
- NRI Business Operations
- Foreign Currency Accounts
- Cash Management Services
- Cheque Payment and Collection
- Roles of Paying and Collecting Banks
- Ancillary Banking Services
- Financial Inclusion and Literacy
- Customer Service Standards
- Rights and Duties of Bankers and Customers
- RBI Ombudsman Scheme 2021
- Consumer Protection Act, 2019
- Right to Information Act, 2005
Module B - Functions of Banks
- Lending Principles
- Borrower Types and Credit Facilities
- Credit Appraisal and Assessment
- Loan Account Management
- Collateral Types and Characteristics
- Security Charging Methods
- Documentation Processes
- Non-Performing and Stressed Assets
- Recovery Laws
- Indemnity, Guarantees, and Bank Guarantees
- Letters of Credit and Deferred Payment Guarantees
- Bill Finance Regulations
- Credit Cards, Home, Personal, and Consumer Loans
- Priority Sector Lending
- Agricultural Financing
- MFI and NBFC Co-Lending
- MSME Financing
- Government-Sponsored Schemes
- Self-Help Groups
Module C: Banking Technology
- Bank Computerisation Essentials
- Core Banking System Operations
- Digital Banking Channels
- Data Communication and EFT Systems
- NPCI Digital Payment Systems
- Technology Adoption Trends
- Security Considerations and Mitigation Measures in Banks
- Cyber Security and Fraud Risk Management
- Cyber Crime Operations
- Emerging Tech: e-RUPI, Fintech, RegTech, SupTech, Hashtag Banking
Module D: Ethics in Banking
- Business Ethics in Banking
- Individual-Level Ethics
- Employee Ethical Responsibilities
- Workplace Ethics
- Evolving Banking Ethics Trends
Paper III: Accounting & Financial Management For Bankers
Module A : Accounting Principles And Processes
- Basic Accountancy Procedures
- Bank Reconciliation Statement
- Trial Balance, Rectification of Errors and Adjusting & Closing Entries
- Depreciation & its Accounting
- Capital and Revenue Expenditure
- Bills of Exchange
- Operational Aspects of Accounting Entries
- Back Office Functions/Handling Unreconciled Entries in Banks
- Bank Audit & Inspection
Module B: Functions of Banks
- Balance Sheet Equation
- Preparation of Final Accounts
- Company Accounts – I
- Cash Flow & Funds Flow
- Final Accounts of Banking Companies
- Core Banking Systems & Accounting in Computerised Environment
- An Overview of Financial Management
- Ratio Analysis
- Financial Mathematics - Calculation of Interest & Annuities
- Financial Mathematics - Calculation of YTM
- Financial Mathematics - Forex Arithmetic
- Capital Structure and Cost of Capital
- Capital Investment Decisions/Term Loans
- Equipment Leasing/Lease Financing
- Working Capital Management
- Taxation: Income Tax/TDS/Deferred Tax
- Goods & Services Tax
Module C: Financial Management
- An Overview of Financial Management
- Ratio Analysis
- Financial Mathematics - Calculation of Interest & Annuities
- Financial Mathematics - Calculation of YTM
- Financial Mathematics - Forex Arithmetic
- Capital Structure and Cost of Capital
- Capital Investment Decisions/Term Loans
- Equipment Leasing/Lease Financing
- Working Capital Management
- Derivatives
Module D: Taxation And Fundamentals Of Costing
- Taxation: Income Tax/TDS/Deferred Tax
- Goods & Services Tax
- An Overview of Cost & Management Accounting
- Standard Costing
- Marginal Costing
- Budgets and Budgetary Control
Paper IV: Retail Banking & Wealth Management
Module A: Retail Banking
- Retail Banking: Introduction
- Retail Banking: Role within the Bank Operations
- Applicability of Retail Banking Concepts and Distinction between Retail and Corporate/Wholesale Banking
- Branch Profitability
Module B: Retail Products and Recovery
- Customer Requirements
- Product Development Process
- Credit Scoring
- Important Retail Liability Products
- Important Retail Asset Products
- Digitisation of Retail Banking Products
- Role of AI and Technology in Retail Banking
- Recovery of Retail Loans
- Management Information Systems
- Securitization
Module C: Support Services
- Marketing – An Introduction
- Delivery Channels in Retail Banking
- Delivery Models
- Customer Relationship Management in Retail Banking
- Service Standards for Retail Banking
- Marketing Information Systems- A Longitudinal Analysis
Module D: Wealth Management
- Importance of Wealth Management
- Investment Management
- Tax Planning
- Other Financial Services Provided by Banks
- Lender’s Appraisal Procedure
- Housing Finance and Tax Planning
- Mortgage Advice
- Valuation of Real Property
Course Features
- In-depth video lectures
- Structured module-wise notes
- Interactive quizzes
- Full-length mock test
