JAIIB RBWM Exam Analysis 2025, 16 November All Shifts Exam Review

The JAIIB RRWM Exam 2025, last paper of the JAIIB November Cycle has been successfully conducted by the Indian Institute of Banking and Finance on 16 November 2025, officially concluding this year’s JAIIB examinations. As we had already expected, candidates who have appeared are eager to know the difficulty level of the exam and what topics were asked. To assist candidates, our experts had collected the feedbacks of appearing candidates right after the exam and after carefully analysing those feedbacks they have provided us with the most detailed JAIIB RBWM Exam Analysis 2025 which has been given in this article.

JAIIB RBWM Exam Analysis 2025, 16 November

The JAIIB Retail Banking and Wealth Management exam was conducted successfully in three shifts across various centers throughout India. The paper comprised 100 multiple-choice questions carrying a total of 100 marks, with each shift lasting for 2 hours. The exam covered questions from four distinct modules as outlined in the syllabus.

• Module A: Retail Banking
• Module B: Retail Products and Recovery
• Module C: Support Services – Marketing of Banking Services/Products
• Module D: Wealth Management

JAIIB RBWM Exam Analysis 2025, 16 November Shift 1

Based on the reaction of candidates who have appeared in the first shift, the difficulty level of the shift 1 was Moderate. The list of topics from which questions were asked has been discussed in the given section.

1. Inflation
2. Minor Self Operated Account
3. Valuation Method
4. Rule 72 144
5. Sinking Fund
6. Loan to Value Ratio
7.  25000 Loan for 8% annum. 10,000 MF investment at 5%, both for 15 years. Loan amount value after 15 year, and investment value after 15 years.
8. PMJJBY
9. Retail Assets Valuation Method
10. Total Cost of Ownership
11. ​​Subsidies in PMAY
12. 4 P’s of Marketing
13. Net Profit Margin
14. Need Pyramid
15. Index Value Calculation
16. Full Form of CERSAI
17. PMAY-EWS & Lower-Income Group
18. Capital Gain
19. Inoperative Account
20. SMA
21. SARFAESI
22. Maximum Period of TDR
23. CERSAI Late Registration Process
24. Person died with dengue within 1 month of PMJJBY claim paid or not
25. G Sec Bonds
26. Wealth Management on fine art and wine valuation proceedings
27. Customer Acceptance Policy
28. Branch Profitability
29. Cost of Inflation Index
30. EMI Calculation
31. Investment Banking
32. Securitization
33. Maslow Need Hierarchy Theory
34. Departmental Approach
35. MIS
36. Customer Analytics
37. Credit Card Minimum Bill Due Condition
38. Convertible Bonds
39. Moratorium in Education Loan, Vehicle Loan
40. Para Banking
41. Belting Method
42. Future Value Present Value Calculation – Annuity
43. Depreciation- WDV
44. Equitable Mortgage
45. Long Term Capital Gain – Theoretical Aspect
46. Home Loan and Car Loan Processing
47. Customer Relationship Management
48. FOIR Formula
49. A person going to sell his property for 57.50 lac his friend told him that after one year value of his property is 70 lac , and the second option he have to invest in mutual fund at 8% per annum
50. Increasing buyer market in banking services
51. CRM Support
52. Mortgages registered in CERSAI
53. NACH
54. ATM Failure Transaction
55. Bank profitability-macro factor, industry factors
56. Direct selling agent
57. Without internet -UPI limit
58. TDS rate if PAN submitted
59. Levarage
60. Retail Banking Systems
61. No-lock period -MF scheme
62. Lowest premium-LIC Scheme
63. Joint FD holder one person expire than payment
64. Non banking Financial services
65. PWD Customer Facility
66. Store Customer Data – Centralised Platform Name?
67. Securitisation includes Loan type
68. Finance-car/auto loan by bank through dealer why?
69. Digital Banking- Infrastructure Cost
70. Inoperative account time period
71. Foreign bank decide diversification to retail banking
72. Savings accounts- blind/illiterate person
73. Long term capital gain tax rules
74. Retail Liabilities Product
75. Alternative Asset
76. CIBIL Score Range
77. OVD
78. KYC
79. Literate Minor Age
80. FD maximum period
81. FRB Scenario
82. Retail loan chronological order
83. Gold Loan Business
84. Index cost of acquisition
85. Advantage of centralised liability process
86. Sec 24
87. IT Act
88. Sovereign bond maturity amount
89. Cloud computing technology
90. SMA-1
91. Mutual fund diversified portfolio scheme
92. IMPS-MMID
93. Identify of customer under UPI is through?
94.  Sectorial mutual funds

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JAIIB RBWM Exam Analysis 2025, 16 November Shift 1 Video Link