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JAIIB Syllabus & Exam Pattern 2025, Download Syllabus PDF

The JAIIB Syllabus & Exam Pattern 2025 provides candidates with a clear roadmap to prepare for the exam effectively. Designed by IIBF, the syllabus covers crucial subjects like Indian Economy, Accounting & Financial Management, Principles & Practices of Banking, and Retail Banking. Understanding the exam pattern helps aspirants plan their study schedule, focus on high-weightage topics, and approach the exam with confidence.

JAIIB Syllabus and Exam Pattern 2025

As per the latest updates, the JAIIB 2025 exam consists of four papers- Indian Economy & Indian Financial System, Principles & Practices of Banking, Accounting & Financial Management for Bankers, and Retail Banking & Wealth Management. Each paper includes 100 objective-type questions to be completed in 2 hours. There is no negative marking, and the exam is conducted in online mode. Candidates must secure at least 50 out of 100 marks in each paper to qualify. Understanding the updated structure and section-wise syllabus is essential for focused preparation.

JAIIB Syllabus 2025: Overview

The JAIIB Exam 2025 is conducted by the Indian Institute of Banking and Finance (IIBF) for banking professionals. It aims to give them a strong foundation in banking concepts. The JAIIB exam 2025 takes place twice a year, and only members of IIBF can apply.

JAIIB Syllabus 2025
Conducting Body
Indian Institute of Banking and Finance (IIBF)
Exam Name JAIIB 2025
Eligibility
IIBF Members Only
Subjects
1. Indian Economy & Financial System
2. Accounting & Financial Management
3. Principles & Practices of Banking
4. Retail Banking & Wealth Management
Exam Dates
02, 08, 09 & 16 November 2025
Total Marks 400
Time Duration
2 hours for each subject
Negative Marking No
Passing Marks
50 out of 100 per subject
Exam Mode Online
Official Website

JAIIB Exam Pattern 2025

The JAIIB Exam 2025 is structured to assess a candidate’s detailed understanding of the banking sector through four distinct subjects: Indian Economy and Indian Financial System (IE & IFS), Principles and Practices of Banking (PPB), Accounting and Financial Management for Bankers (AFM), and Retail Banking and Wealth Management (RBWM). Each subject is divided into various modules, allowing candidates to dive deep into specific areas of knowledge. The exam will be conducted in online mode, with each paper comprising 100 objective-type questions worth 1 mark each and a time limit of 2 hours. This modular, paper-wise approach ensures that candidates are tested on both breadth and depth across key domains of banking.

JAIIB Exam Pattern 2025
Papers No. of Questions Total Marks Duration
Indian Economy and Indian Financial System 100 100 2 Hours
Principles and Practices of Banking 100 100 2 Hours
Accounting and Financial Management for Bankers 100 100 2 Hours
Retail Banking and Wealth Management 100 100 2 Hours

Also Check, JAIIB Exam Date 2025

JAIIB Syllabus 2025 & Exam Pattern, Download Syllabus PDF_3.1

IIBF JAIIB Syllabus 2025 Download PDF

To prepare effectively for the JAIIB Exam 2025, having a clear understanding of the latest syllabus is essential. A well-structured syllabus acts as a roadmap, helping aspirants focus their efforts on the right topics and avoid unnecessary distractions. To assist candidates in their preparation journey, we’ve provided a direct PDF link to the official IIBF JAIIB Syllabus 2025, ensuring that every subject and module is covered systematically. Studying in alignment with the prescribed syllabus maximises efficiency and boosts confidence ahead of the exam.

JAIIB Syllabus 2025-Click Here To Download PDF

JAIIB Syllabus 2025

As per the changes made by IIBF, the JAIIB Syllabus 2025 comprises 4 compulsory subjects. Aspirants should have a thorough and deep knowledge of the JAIIB Syllabus so that not a single topic is left behind.

Paper 1: Indian Economy and Indian Financial System (IE & IFS)
Paper 2: Principles and Practices of Banking (PPB)
Paper 3: Accounting and Financial Management for Bankers (AFM)
Paper 4: Retail Banking and Wealth Management (RBWM)

JAIIB Paper 1: Indian Economy and Indian Financial System (IE & IFS)

The first paper of JAIIB Syllabus 2025 is the Indian Economy and Indian Financial System. There are four modules in the JAIIB Paper 1 Syllabus: Indian Economic Architecture, Economic Concepts Related to Banking, Indian Financial Architecture, and Financial Products and Services. Here, we have provided the topics of each module.

Module Main Topics Covered
Module A: Indian Economic Architecture Overview of Indian Economy: Evolution, characteristics, history (pre-British, till/after 2008), structural changes
Economic Planning: Meaning, history, types, objectives, achievements, 5-year plan funding
Sectors: Primary, Secondary, Tertiary, Quaternary, Quinary, revolutions, sector comparison, GDP share, employment, sunrise sectors, organized/unorganized
Priority Sector & MSME: Definitions, lists, lending norms, MSME role & contribution, recent MSME schemes like Atmanirbhar Bharat, Make in India
Infrastructure & Social: Types (energy, power, transport), social sector (health, education, family welfare)
Globalisation: Impact, advocacy, pros/cons, protectionism
Economic Reforms: Overview, real/financial/global changes, reforms in India
Foreign Trade/Investments: Policies, FDI/FII, trends, challenges, economic growth vs. development
International Organisations: World Bank, IMF, WTO, regional groups, recent issues
Climate Change & SDGs: Sustainable development, global & Indian progress, CSR
Issues: Poverty, inequality, jobless growth, migration, pandemic impacts, remedies
Module B: Economic Concepts Related to Banking Basics: Introduction, micro & macroeconomic concepts, types of economies (market/command/mixed)
Supply & Demand: Demand/supply curves, shifts, price & quantity effect
Money & Inflation: What is money, how supply works, inflation causes & measures
Interest Theories: Classical, Keynesian, IS-LM model, demand curves
Business Cycles: Features & phases
Monetary/Fiscal Policy: Tools, FRBM Act, Indian response to global crises
National Income/GDP: Calculation methods, importance
Union Budget: Receipts, spending, deficits
Module C: Indian Financial Architecture Financial System: Meaning & phases, Narasimham Committee, banking reforms, present status
Banking Structure: Types (commercial, rural, cooperative, payment/small finance/NBFCs), RBI rules
Banking Laws: Key sections from RBI Act (1934), Banking Regulation Act (1949)
Development Finance: Evolution, DFI objectives, types (IFCI, ICICI, IDBI, SIDBI, EXIM, NABARD, NHB, NaBFID)
Microfinance: History, Grameen model, SHG-Bank linkage, regulations, RBI directions
NBFCs: Role, evolution, inclusive growth, types, regulation, fair practice, ombudsman, SBR guidelines
Insurance: Development, privatization, FDI, penetration, intermediaries, legislation, reinsurance
Regulators: Roles of RBI, SEBI, IRDA, PFRDA
Banking Reforms: Bad banks, infra financing, NaBFID, EASE initiative
Module D: Financial Products and Services Financial Markets: Types (money, capital, forex), structure, price discovery
Money & Capital Markets: Call/notice/term money, T-bills, CDs, CPs, repo, LTRO, bonds, corporate debt
Capital Markets: Stock exchanges, regulators, product types, ASBA, QIP, intermediaries
Forex: Features, participants, FEMA, ADR/GDR, LIBOR/ARR
Market Interconnections: Reasons, dynamics, integration, Asian Clearing Union, contagion effect
Merchant Banking: Function, history, comparison, SEBI rules, activities
Derivatives: Meaning, history, types (futures, options, swaps, CDS), RBI guidelines, ISDA
Factoring/Forfaiting/TReDS: Meaning, differences, process, fees, advantages, TReDS operations
Venture Capital: Concept, evolution, stages, regulation, exit routes
Leasing & Hire Purchase: Types, benefits, legal aspects, leasing vs. hire purchase
Credit Ratings: Agencies, history, process, symbols, outlook, regulations, CICs
Mutual Funds: Types, roles, NFO, risk, expenses, investment strategies, alternative funds
Insurance Products: Principles, types, government & group schemes, microinsurance, ombudsman
Pension Funds: EPF, PPF, NPS, APY, annuities
Para Banking: Types & organization, commission disclosure
REITs & InvITs: Meaning, types, benefits, taxation, regulations

JAIIB Paper 2: Principles and Practices of Banking (PPB)

Principles and Practices of Banking is the second paper for JAIIB Syllabus. PPB comprises four modules, General Banking Operations, Functions of Banks, Banking Technology, and Ethics in Bank and Financial Institutions. Here, we have listed down the module-wise topics for Paper 2.

Module Main Topics Covered
Module A: General Banking Operations Banker-Customer Relationship: What a bank is, types of relationships (trustee, bailee, agent, lessor, indemnifier), types of deposit accounts, customer services
AML-KYC Guidelines: Money laundering risks, KYC policy, PMLA, risk management, FATF, reporting duties
KYC Operations: KYC rules, wire transfers, Central KYC, transaction monitoring
Account Opening: Rules for personal & other accounts, opening current accounts, legal entity identifiers
Deposit Account Operations: Features of accounts, interest, inoperative/unclaimed accounts, joint accounts, nominations, attachments
Clearing/Cash Handling: Cheque Truncation, RBI rules, cash custody and ATMs
Special Banker Relationships: Mandates, Power of Attorney, Lien, Right of set-off/appropriation
Forex and NRI Banking: FEMA basics, NRI/PIO account operations, remittances, property rules
Cash Management: Types, uses and challenges in cash management
Cheque Collection/Payment: Negotiable Instruments Act, payments, dishonours, cheques system
Banker/Customer Responsibilities: Bank’s payment/collection duties, secrecy, care, customer rights
Ancillary Services: Remittance types (DD, NEFT, RTGS), digital payments, lockers, merchant banking, government business
Financial Inclusion & Literacy: Efforts to expand banking, financial literacy training
Customer Service: Service guidelines, ATM/counter service, security, branch policies
Grievance Redressal & Ombudsman: Handling complaints, the RBI Ombudsman scheme
Consumer Protection & RTI: Consumer Protection Act 2019, RTI Act 2005 basics, definitions, rights, complaint process
Module B: Functions of Banks Lending Principles: How banks lend, borrower types, credit facilities (working capital, term loans, NFB facilities)
Credit Appraisal & Assessment: How loans are analyzed and approved
Loan Operations: Interest, credit management, documentation, recovery agents
Collaterals: Types and uses of securities for loans
Charging Securities: Types of charges (pledge, hypothecation, mortgage), registration
Documentation: Types and process
NPAs/Stressed Assets: What are NPAs, asset classification, provisioning, NPA recovery mechanisms
Recovery Laws: DRB Act, SARFAESI, IBC, Limitation Act
Indemnity & Guarantee: Contract basics, features and rights
Bank Guarantees: Types, issuance, payment precautions
Letters of Credit: Parties, types, documents, international standards
Deferred Payment Guarantee: Use and payment process
Bill Finance: Types of bills, legal position
Retail Loans: Credit card, home, personal and consumer loans
Priority Sector Lending: Targets, categories, rules, guidelines
Agricultural Finance: Kisan Credit Cards, crop loans, agri insurance
MSME & NBFC Finance: MSME policy, co-lending, government schemes, performance rating, TReDS
Government Schemes: DAY-NRLM, PMJDY, MUDRA, KVIC
Self-Help Groups: Definition, need, formation, government linkage
Module C: Banking Technology Computerisation: Banking networks, UPS, core banking, data warehousing/mining
CBS Operations: Functions, transaction flow, EOD/BOD, security & password management
Digital Banking: ATMs, e-banking, customer protection, failed transaction compensation
Data Networks & EFT: Network trends, SWIFT, NEFT, RTGS
Digital Payments: NPCI, government digital drives
Technology Impact: IT in banking, global trends, emerging tech
Security & Mitigation: Threats, audits, fraud risk, cyber security, IT law framework
Cybercrime in Banking: Incident response, online frauds
New Technologies: e-RUPI, fintech, regtech, suptech, social media/hashtag banking, open banking
Module D: Ethics in Banks and Financial Institutions Ethics Overview: What are values, ethics and business ethics, ethics in banking (trust, professionalism), lessons from past scams
Individual Ethics: Personal values vs business ethics, how to handle ethical dilemmas
Employee Ethics: Abuse of position, discrimination, handling conflicts, ethics ambassadors
Work Ethics: What is it, examples of (un)ethical behaviours, whistleblowing
Banking Ethics Trends: Tech and data ethics, privacy, IPR, information security in banks

JAIIB Mahapack

JAIIB Paper 3: Accounting and Financial Management for Bankers (AFM)

Paper 3 of the JAIIB Syllabus 2025 is Accounting and Financial Management for Bankers. Accounting principles and processes, financial statements & core banking systems, financial management, and taxation & fundamentals of costing are the modules that an aspirants have to study for AFM. Here, candidates can check the topics of each module.

Module Main Topics Covered
Module A: Accounting Principles and Processes What is Accounting: Meaning, scope, history, main principles, Indian and world standards (GAAP, IFRS)
Basic Accountancy: Double entry, going concern, conservatism, revenue recognition, accrual vs cash accounting
Books & Ledgers: Cash books, how to record entries, debits/credits, journals
Bank Reconciliation: Why passbook and cashbook differ, how to reconcile, steps in preparing BRS
Trial Balance & Errors: What is a trial balance, finding and fixing errors, adjusting and closing entries
Depreciation: Why assets lose value, methods (straight line, WDV, units of production), journal entries
Capital vs Revenue: Difference between capital and revenue expenditure/receipts
Bills of Exchange: Types, due dates, important terms, accounting steps
Bank-Specific Accounting: Bank’s own peculiarities, special systems, sample entries
Back Office & Unreconciled Entries: What back office handles, how banks reconcile inter-branch entries
Bank Audit: Types (concurrent, internal, statutory), role and purpose
Module B: Financial Statements and Core Banking Systems Balance Sheet Equation: Assets = Liabilities + Equity, how to compute
Making Final Accounts: Preparing statements from trial balance, adjustments
Company Accounts I: Company vs partnership, shares, issue, non-voting shares
Company Accounts II: Balance sheet specifics, effect of Ind AS
Cash Flow & Funds Flow: Difference between cash and funds flow, statement formats
Bank Final Accounts: Special requirements for banks, profit/loss account, how banks make their balance sheet, RBI & Basel-III disclosure rules
Computerised Accounting: Manual vs computerised, terms, features, pros/cons, functions, info security
Core Banking: Components, scope of computerisation, impact on banks, internet’s influence
Module C: Financial Management Basics: Types of business, financial decision areas, aims/goals of financial management, risk vs return, finance and ethics
Ratio Analysis: What are accounting ratios, types and uses, calculating and interpreting for different users
Interest & Annuities: Simple/compound interest, fixed/floating rates, annuities and their future/present value, debt repayment calculations
Yield to Maturity (YTM): Understanding bonds, types, how to calculate bond yield, duration, price changes
Forex Arithmetic: Basics of forex, Indian market, exchange rates, forward rate logic
Capital Structure & Cost: Capital structure meaning, leverage, debt vs equity, theories, cost of capital, how to calculate and choose best mix
Capital Investment Decisions: Appraisal methods, what’s a term loan, project finance basics
Leasing: What is lease finance, types, legal aspects, how it’s booked
Working Capital: Cycle, advances, management techniques, different short-term finances, factoring/forfaiting
Derivatives: What are derivatives (forwards, options, swaps), their use, basics
Module D: Taxation and Fundamentals of Costing Taxation: Basics of Income Tax Act, TDS/TCS, tax returns, refunds, and recoveries
Goods & Services Tax: Direct vs indirect taxes, intro to GST
Cost & Management Accounting: What is cost accounting, why it matters, elements/types of cost, cost standards, how it helps managers
Costing Methods: Unit/output costing, job/batch/contract costing, service costing, what’s included in each
Standard Costing: Setting cost standards, variance analysis for materials/labour/overhead
Marginal Costing: What it means, advantages, breakeven analysis, PV ratio, margin of safety, absorption costing, how it differs
Budgets: Purpose, types (fixed/flexible), how budgets are made and monitored, zero based/programme/performance budgeting

JAIIB Paper 4: Retail Banking and Wealth Management (RBWM)

Retail Banking and Wealth Management is a new paper added to the JAIIB Syllabus. In this paper modules mentioned are the following: Retail Banking, Retail Products and Recovery, Support Services-Marketing of Banking Services/Products, and Wealth Management. To know the topics, aspirants should refer below.

Module Main Topics Covered
Module A: Retail Banking Introduction: Features, advantages, limits, history, conditions for success, challenges, future of retail banking
Role in Bank Operations: Business models and importance
Retail vs Corporate Banking: Key differences
Branch Profitability: How profit is calculated, types of profits (gross, operating, net), ROA, ROE, factors and strategies to improve branch and banking profitability
Module B: Retail Products and Recovery Customer Needs: What customers want, Maslow’s theory, service quality
Product Development: How banks develop and manage products, deposit and loan (asset) products, fee-based services, new product process
Credit Scoring: What is a credit score, models, good/bad, score management, issues/mistakes
Retail Liability Products: Current, savings, fixed and recurring deposits—features, benefits, documents, opening and closure
Retail Asset Products: Home, auto, personal, education, and other retail loans—processing and features
Cards: Credit, debit, charge, pre-paid, co-branded, contactless cards
Remittance: NEFT, RTGS, ECS, NACH, AePS, BBPS—key features
Digitisation: Technology in banking, user-friendly features, digital lending, networks like INFINET, NFS, IBCC
AI and Tech: What is AI, automation, benefits/challenges in retail banking, Indian scenario
Retail Loan Recovery: Repayment, defaults, NPA monitoring, SARFAESI, DRT, Lok Adalat, direct recovery agents
Management Information Systems (MIS): Concepts, role, design issues and solutions
Securitisation: Basics of asset securitisation
Module C: Support Services – Marketing of Banking Services/ Products Marketing Basics: What is marketing in banks, the marketing mix
Delivery Channels: Physical branches, ATMs, PoS, mobile/internet banking, liability for unauthorised transactions
Delivery Models: Staff, marketing managers, DSAs, tie-ups
Customer Relationship Management (CRM): Importance and process in banks, how it helps satisfaction
Service Standards: Codes of commitment, BCSBI, code compliance, grievance redressal
Marketing Information Systems: What MKIS is, components and use, decision models, computer use, system evaluation
Module D: Wealth Management Wealth Management: What it means, business structures, products (alternative assets, bonds, mutual funds, insurance, real estate), planning, wills, private banking, importance and benefits
Investment Management: Basics, steps, investment banking, differences between portfolio management and investment banking, types of portfolio management, recent developments
Tax Planning: Indian tax structure, income tax terms, tax regimes, investment for tax saving, estate/will planning, capital gains
Other Financial Services: Third-party product distribution, mutual funds, insurance, social security insurance, depository and agency services, portfolio management, factoring

 

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JAIIB Salary JAIIB Study Material 2025
JAIIB Previous Year Papers JAIIB Exam Preparation Tips 2025

 

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FAQs

How many papers are there in JAIIB Syllabus?

There are 4 papers in JAIIB Syllabus.

What are the papers in IIBF JAIIB Syllabus 2025?

The papers in IIBF JAIIB Syllabus are: Indian Economy and Indian Financial System (IE & IFS), Principles and Practices of Banking (PPB), Accounting and Financial Management for Bankers (AFM),Retail Banking and Wealth Management (RBWM)

Where can I get JAIIB Syllabus in detail?

JAIIB Syllabus in detail is mentioned in the post discussed above.

Who prescribes JAIIB Syllabus?

IIBF, Indian Institute of Banking and Finance prescribes JAIIB Syllabus.

How can I download IIBF JAIIB Syllabus PDF?

IIBF JAIIB Syllabus PDF can be downloaded from the link provided in the given post.

Can I clear Jaiib in 2 months?

Yes, it’s possible to clear the JAIIB exam in 2 months with focused study. Make sure to follow a strict study plan, cover all the key topics and practice regularly. Stay disciplined and use quality study materials to improve your chances of success.

What is the passing criteria for JAIIB 2025?

To pass the JAIIB 2025 exam, you need to score at least 50 marks out of 100 in each paper. You must achieve this minimum score for each subject to pass the exam and move forward with your certification.

Which is the toughest exam in Jaiib?

The toughest exam in JAIIB is usually considered to be "Accounting & Financial Management for Bankers". It often requires a strong understanding of complex accounting principles and financial management, making it more challenging for many candidates.

How many attempts are allowed for JAIIB?

You are allowed up to 5 attempts to clear the JAIIB exam within a 3-year period, starting from the date of your registration. If you don't pass within these attempts or time frame, you may need to re-register.

What is the benefit of clearing JAIIB?

Clearing the JAIIB exam brings several benefits. It improves your knowledge of banking and finance, which can help you do your job better. It also boosts your career prospects by making you eligible for salary increases and promotions within the banking sector.

How to prepare for the JAIIB 2025 exam?

To prepare for the JAIIB 2025 exam, focus on understanding the syllabus thoroughly. Use study materials provided by IIBF, practice previous year questions and mock tests. Create a study schedule, revise regularly and stay updated with banking news and updates.

What is the passing marks for JAIIB 2025?

To pass the JAIIB 2025 exam, you need to score at least 50 marks out of 100 in each paper. Achieving this score ensures you meet the minimum requirement for passing and can advance to the next step in your banking career.

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