JAIIB IE & IFS Exam Analysis 2026, Check Shift wise Questions Asked

The JAIIB IE & IFS Exam Analysis 2026 for the examination conducted on 1 November 2026 provides insights into the overall difficulty level, types of questions asked, and important topics covered in the paper. Based on candidates’ feedback, the overall difficulty level of the exam was Moderate to Tough.

JAIIB IE & IFS Exam Analysis 2026

Several questions were lengthy and time-consuming, requiring candidates to spend additional time understanding and solving them. The analysis will help candidates understand the exam pattern, evaluate their performance, and identify the important topics asked in the examination.

• Overall Difficulty Level: Moderate to Tough
• Nature of Questions: Conceptual and case-based with tough options
• Time Management: Moderate, with some lengthy questions

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IE & IFS Shift 1 Exam Analysis 2026

These are memory-based questions from Shift 1 and may not reproduce the exact wording used in the examination.

1. Banking Regulations and RBI

1. FDI Limit in Private Banks: Foreign Direct Investment limits applicable to private sector banks.
2. RBI Board Composition: Number of members in the RBI Central Board and its composition.
3. Section 22 of RBI Act: Provisions related to the issue of banknotes by RBI.
4. RBI Act, 1934: Important provisions and regulations under the Act.
5. Banking Regulation Act: Questions based on important provisions of the Banking Regulation Act.
6. Full-Time Directors in Banks: Eligibility criteria and rules for appointing full-time directors.
7. RRB Shareholding Pattern: Ownership ratio of Central Government (50%), State Government (15%) and Sponsor Bank (35%).
8. PSL Targets for Weaker Sections: Priority Sector Lending targets and limits for weaker sections in Small Finance Banks (SFBs) and Scheduled Commercial Banks (SCBs).
9. IFCI: Year of establishment and main purpose of the Industrial Finance Corporation of India.

2. Financial Institutions and Banking Schemes

1. NaBFID Board Composition: Structure and number of members on the board of NaBFID.
2. Government Stake in NaBFID: Central Government’s shareholding in the National Bank for Financing Infrastructure and Development.
3. SMILE Scheme: Objectives, eligibility and financial assistance limits under the SMILE scheme.
4. Microfinance Institutions (MFIs): Meaning, functions and important regulations related to MFIs.
5. NARCL (Bad Bank): Bond structure and process of transferring bad loans.
6. EASE Reforms: Full form of EASE (Enhanced Access and Service Excellence) and its objectives.
7. SFURTI Scheme: Full form, objectives and benefits of the scheme.

3. Financial Markets and Investment Products

1. Derivative Products: Identification of derivative financial instruments and their types.
2. Stock Exchanges: Establishment years of BSE (1875), CSE (1908), OTCEI (1990), NSE (1992), Metropolitan Stock Exchange (2012), NSE IFSC (2016) and India INX (2017).
3. Benchmark Rates: Meaning and features of SOFR (Secured Overnight Financing Rate) and SONIA (Sterling Overnight Index Average).
4. REITs: Roles of Sponsor, Trustee and Special Purpose Vehicle (SPV).
5. Green Bonds: Meaning, purpose and features of green bonds.
6. Green Shoe Option: Meaning and purpose of the green shoe option.
7. Factoring: Meaning of single factoring and international factoring.
8. TReDS: Meaning and working of the Trade Receivables Discounting System.
9. Leasing and Hire Purchase: Differences between leasing and hire purchase.
10. LPT: Questions related to the mentioned LPT term and its full form or concept.
11. Insurance Ombudsman: Role, responsibilities and jurisdiction of the Insurance Ombudsman.
12. Insurance Basics: Important rules and concepts related to insurance coverage.

4. Economy, National Income and Financial Calculations

1. GDP Calculation: Questions based on the calculation of Gross Domestic Product.
2. NNP (Net National Product): Meaning, formula and related concepts.
3. Revenue Deficit: Numerical questions based on the calculation of revenue deficit.
4. Fiscal Deficit: Formula and meaning of fiscal deficit.
5. Money Supply: Different measures of money supply, including M1 and M3.
6. M3 Formula: Relationship between M1 and time deposits with banks.
7. CPI and WPI: Meaning, differences and measurement of inflation.
8. Quinary Sector: Meaning of the quinary sector and its role in high-level decision-making.
9. Agriculture Sector: Classification of agriculture under the primary sector.
10. Reason for Migration: Questions related to the causes and reasons for migration.

5. MSME, Agriculture and Economic Classification

1. Medium Enterprise Classification: Investment and annual turnover criteria for classifying a medium enterprise.
2. Agriculture under Primary Sector: Why agriculture is included in the primary sector.
3. Quinary Sector: Activities related to high-level decision-making and specialised services.

6. Government Schemes, Infrastructure and Social Security

1. Parvatmala Pariyojana: Objectives and important features of the scheme.
2. Bharatmala Pariyojana: Objectives related to road and highway infrastructure development.
3. PMSBY: Eligibility, insurance coverage and benefits under Pradhan Mantri Suraksha Bima Yojana.
4. PMJJBY: Eligibility, premium and insurance benefits under Pradhan Mantri Jeevan Jyoti Bima Yojana.
5. Atal Pension Yojana (APY): Eligibility, contribution and pension benefits.

7. Corporate Social Responsibility and Other Topics

1. CSR Rules: Corporate Social Responsibility provisions and applicable penalties.
2. UCRF: Questions related to the UCRF abbreviation and its associated financial or banking concept.

JAIIB IE & IFS Exam Analysis 2026, Shift 1: Video Link

Important Topics to Review from the JAIIB IE & IFS Syllabus

Candidates preparing for future attempts can use the following syllabus areas as a revision checklist. These are study areas rather than a prediction of the questions in the November 2026 examination.

• Module A: Indian economy, economic reforms, infrastructure, MSMEs and international institutions
• Module B: Monetary policy, GDP, inflation, money supply, demand and supply
• Module C: RBI, financial institutions, banking regulations, NBFCs and development finance
• Module D: Financial markets, money market instruments, derivatives, mutual funds and insurance