The JAIIB Syllabus & Exam Pattern 2026 helps banking professionals understand the latest subject-wise syllabus, exam structure, marking scheme, and qualifying criteria prescribed by the Indian Institute of Banking & Finance (IIBF). The examination consists of four compulsory papers: Indian Economy & Indian Financial System (IE & IFS), Principles & Practices of Banking (PPB), Accounting & Financial Management for Bankers (AFM), and Retail Banking & Wealth Management (RBWM). Each paper carries 100 multiple-choice questions for 100 marks, with a duration of 2 hours and no negative marking.
JAIIB Syllabus and Exam Pattern 2026
The JAIIB 2026 examination is conducted in online mode and follows an objective-type (MCQ) format. The exam comprises four compulsory papers that assess candidates’ understanding of banking, finance, accounting, and the Indian financial system. The November 2026 JAIIB Exam is scheduled to be held on 01, 22, 28, and 29 November 2026 for the four papers. Each paper carries 100 marks with a duration of 2 hours, and there is no negative marking, allowing candidates to attempt all questions confidently.
JAIIB Syllabus: Overview
The Indian Institute of Banking & Finance (IIBF) conducts the JAIIB examination in online mode for banking professionals. Since the May 2026 session has concluded, candidates can now prepare for the November 2026 examination using the latest syllabus and exam pattern provided below.
| JAIIB Syllabus 2026 | |
| Conducting Body |
Indian Institute of Banking and Finance (IIBF)
|
| Exam Name | JAIIB 2026 |
| Eligibility |
IIBF Members Only
|
| Subjects |
1. Indian Economy & Financial System
2. Accounting & Financial Management 3. Principles & Practices of Banking 4. Retail Banking & Wealth Management |
| 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 |
www.iibf.org.in
|
JAIIB Exam Pattern 2026
Before beginning their preparation for the November 2026 JAIIB Examination, candidates should understand the latest exam pattern, including the number of questions, marking scheme, duration, and paper structure.
| JAIIB Exam Pattern 2026 |
|||
| 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 |
IIBF JAIIB Syllabus 2026 Download PDF
Candidates appearing for the November 2026 JAIIB Examination should prepare strictly according to the latest syllabus prescribed by IIBF. The official syllabus PDF contains detailed module-wise topics for all four papers and serves as the most reliable resource for exam preparation.
JAIIB Syllabus 2026-Click Here To Download PDF
Some Important Facts about JAIIB Syllabus 2026
The syllabus outlines the exam structure, important modules, marking scheme, and other critical details that every aspirant must know.
| Feature | Details |
| Papers |
4 compulsory: IE & IFS, PPB, AFM, RBWM
|
| Modules | Each paper has 4 modules (A–D) |
| Focus Areas |
RBI rules, Banking laws (FEMA, COPRA), loan & NPA management
|
| Marking Scheme |
100 MCQs per paper, no negative marking
|
| Language |
English & Hindi (except language-based parts)
|
| Passing Marks |
50 out of 100 per paper (no aggregate)
|
| Exam Attempts | 4 per year; clear all in 2 years |
| Exam Frequency | Twice a year (May & November) |
| Syllabus Updates |
Reviewed annually as per new regulations
|
JAIIB Syllabus 2026
As per the changes made by IIBF, the JAIIB Syllabus 2026 comprises 4 compulsory subjects.
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 2026 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 Paper 3: Accounting and Financial Management for Bankers (AFM)
Paper 3 of the JAIIB Syllabus 2026 is Accounting and Financial Management for Bankers. 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. 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 |
JAIIB Passing Criteria 2026
- To qualify the JAIIB Examination 2026, candidates must fulfill the qualifying criteria prescribed by the Indian Institute of Banking & Finance (IIBF). A candidate is declared successful by securing 50 marks or more out of 100 in each paper.
- Alternatively, candidates can also qualify by obtaining at least 45 marks in each paper, provided they secure an overall aggregate of 50% or more in a single attempt.
- All four compulsory papers must be cleared within two years from the date of registration. If a candidate fails to qualify within the prescribed period, a fresh registration will be required as per the IIBF guidelines.
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| JAIIB Salary | JAIIB Study Material 2026 |
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| JAIIB Exam Date 2026 |
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