From knowing what JAIIB is to learning preparation strategies, we’ve got you covered. This page breaks down everything you need—step-by-step guidance, topic summaries, and preparation tips, to help you clear your exam with ease. Whether you’re just starting or revising, this article is here to support you every step of the way.
What is JAIIB?
JAIIB’s full form is Junior Associate of the Indian Institute of Bankers. The Indian Institute of Banking and Finance (IIBF) conducts the associate examination (flagship course), and the banking sector highly values it as a benchmark for knowledge and skills.
JAIIB Notification 2025
The IIBF has announced the JAIIB 2025 exam dates. The notification includes important details like the schedule, eligibility, subjects, pattern, and syllabus.
JAIIB 2025 Important Dates
The IIBF holds the JAIIB exam twice a year, once in May and again in November. Here are the important dates for the May and November 2025 exams.
JAIIB Exam 2025
Below are the important dates for the May session of the 2025 exam:
JAIIB 2025 Important Dates May Session | |
Event | Important Dates |
Online Registration Start | 4th February 2025 |
Online Registration Last Date | 24th February 2025 |
JAIIB 2025 Exam Dates | 4th May 2025 to 18th May 2025 |
Indian Economy and Indian Financial System (IE&IFS) | 4th May 2025 |
Principles and Practices of Banking (PPB) | 10th May 2025 |
Accounting & Financial Management for Bankers (AFM) | 11th May 2025 |
Retail Banking and Wealth Management (RBWM) | 18th May 2025 |
Below are the important dates for the November session of the 2025 exam:
JAIIB 2025 Important Dates November Session | |
Event | Important Dates |
Online Registration Start | 1st August 2025 |
Online Registration Last Date | 21st August 2025 |
JAIIB 2025 Exam Dates | 2nd November 2025 to 16th November 2025 |
Indian Economy and Indian Financial System (IE&IFS) | 2nd November 2025 |
Principles and Practices of Banking (PPB) | 8th November 2025 |
Accounting & Financial Management for Bankers (AFM) | 9th November 2025 |
Retail Banking and Wealth Management (RBWM) | 16th November 2025 |
- Important Topics
- Expected Questions
- Previous Year Papers
Find all the details about JAIIB exam dates.
Now, let’s understand the rules and regulations of the exam.
JAIIB Eligibility 2025
Here are the eligibility criteria for the exam:
- The JAIIB exam is open to anyone working in the banking or finance sector whose employer is an institutional member of the Indian Institute of Banking & Finance.
- Candidates must have passed the 12th standard examination in any discipline or equivalent.
To get complete details on eligiblity, read this article on JAIIB eligibility.
Difference Between JAIIB and CAIIB
IIBF conducts both JAIIB and CAIIB exams. JAIIB is an entry-level certification, and CAIIB is an advanced-level certification.
JAIIB is open to anyone working in the banking and finance sector who is a member of IIBF, where CAIIB requires JAIIB certification and membership in IIBF.
Difference Between JAIIB and DBF
IIBF conducts both JAIIB and Diploma in Banking and Finance (DBF) exams. It is open to anyone working in the banking and finance sector who is a member of IIBF.
On the other hand, DBF is open to everyone, including non-bankers. The DBF diploma is equivalent to the JAIIB certification if you join the bank.
- Important Topics
- Expected Questions
- Previous Year Papers
JAIIB Exam 2025: Number of Attempts Allowed
Here are the attempt and time limit details about the exam:
- You have 5 attempts to clear the exam within 3 years, and these attempts don’t have to be in a row.
- If you don’t pass the exam within 3 years or 5 attempts—whichever comes first—you’ll need to re-enroll and start fresh. Unfortunately, any subjects you passed earlier won’t count toward your new attempt.
JAIIB Exam Syllabus 2025
The exam consists of 4 subjects:
- Indian Economy and Indian Financial System (IE IFS)
- Principles and Practices of Banking (PPB)
- Accounting & Financial Management for Bankers (AFM)
- Retail Banking and Wealth Management (RBWM)
JAIIB Exam Language 2025
The exam offers the flexibility to choose between Hindi or English during the registration process.
JAIIB Exam Pattern 2025
Here’s an overview of the exam pattern:
JAIIB Exam Pattern Details | |||
Papers | Questions | Marks | Duration |
Paper 1 Indian Economy and Indian Financial System (IF and IFS) | 100 | 100 | 2 hours |
Paper 2 Principles and Practices of Banking (PPB) | 100 | 100 | 2 hours |
Paper 3 Accounting and Financial Management for Bankers (AFM) | 100 | 100 | 2 hours |
Paper 4 Retail Banking and Wealth Management (RBWM) | 100 | 100 | 2 hours |
- Important Topics
- Expected Questions
- Previous Year Papers
JAIIB Exam: Additional Details
- The exam takes place online, where the examiners ask multiple-choice questions.
- Each paper carries 100 marks, and there is no negative marking for wrong answers.
- The organizers schedule each paper on a different date, and each paper lasts for 2 hours.
- The cut-off for each paper is 50%, i.e., 50 marks out of 100.
- There are 50 questions of 0.5 marks, 25 of 1 mark, and 25 of 2 marks.
JAIIB Exam 2025: Passing Criteria
To clear the exam, make sure you meet the following qualifying criteria:
- The minimum marks required to pass in each subject is 50 out of 100.
- If you score at least 45 marks in each subject with an aggregate of 50% marks across all subjects in a single attempt, you qualify.
- You can retain credits for the subjects you pass in an attempt until the time allotted for passing the examination expires.
Class of Pass Criteria for the JAIIB Exam
Here is the class of pass criteria for the exam:
- First Class
60% or more marks in aggregate and pass in all the subjects in the FIRST PHYSICAL ATTEMPT.
- First Class with Distinction
70% or more marks in aggregate and 60% or more marks in each subject in the FIRST PHYSICAL ATTEMPT.
For more details, see this article on JAIIB exam pattern.
- Important Topics
- Expected Questions
- Previous Year Papers
JAIIB Syllabus 2025
The syllabus consists of 4 papers, each further divided into 4 modules. The overview of the syllabus is given below:
JAIIB Exam 2025 Syllabus | ||
Paper | Module | Syllabus |
Paper 1 Indian Economy and Indian Financial System (IE&IFS) | Module A | Indian Economic Architecture |
Module B | Economic Concept Related to Banking | |
Module C | Indian Financial Architecture | |
Module D | Financial Products and Services | |
Paper 2 Principles and Practices of Banking (PPB) | Module A | General Banking Operations |
Module B | Functions of Banks | |
Module C | Banking Technology | |
Module D | Ethics in Bank & Financial Institutions | |
Paper 3 Accounting & Financial Management for Bankers (AFM) | Module A | Accounting Principles and Processes |
Module B | Financial Statement and Core Banking Systems | |
Module C | Financial Management | |
Module D | Taxation and Fundamental of Costing | |
Paper 4 Retail Banking and Wealth Management (RBWM) | Module A | Retail Banking |
Module B | Retail Products and Recovery | |
Module C | Support Services – Marketing of Banking Services/Products | |
Module D | Wealth Management |
Read the JAIIB Syllabus article for detailed syllabus of AFM, PPB, RBWM and IE IFS papers.
JAIIB Previous Years Questions
Here are the PYQs of the exams with links to download in PDF format for free.
JAIIB 2023 PYQs with Answers | |
Component-Wise JAIIB PYQs | Download Link |
Indian Economy and Indian Financial System (IE&IFS) | Download as PDF |
Principles and Practices of Banking (PPB) | |
Accounting & Financial Management for Bankers (AFM) | |
Retail Banking and Wealth Management (RBWM) |
Read the JAIIB PYQs article to download the previous year papers and get a list of the most important topics for AFM, PPB, RBWM and IE & IFS.
Analysis of JAIIB 2024 June Session
Here is the analysis of the June 2024 exam.
JAIIB IE&IFS June 2024 Analysis
- The difficulty level of the IE&IFS June 2024 paper was moderate to difficult.
- The paper was lengthy, as statement-based questions and a few numerical questions were asked, which took time to solve.
- There were also conceptual and odd-one-out types of questions.
- The maximum questions were asked from Module D.
JAIIB PPB June 2024 Analysis
- The overall PPB June 2024 paper was of moderate level.
- Maximum number of questions could be easily solved by using the option elimination method.
- Majority of the questions were asked from Modules A and B.
JAIIB AFM June 2024 Analysis
- The difficulty level of the AFM June 2024 paper was moderate.
- Fewer numericals were asked as compared to the previous years.
- Lots of conceptual questions were asked from Modules A and D.
JAIIB RBWM June 2024 Analysis
- The difficulty level of the RBWM June 2024 paper was moderate.
- Factual questions required a strong understanding of key concepts to answer.
- There were some conceptual questions, which were easy to solve.
- The maximum questions were asked from Module B.
- Important Topics
- Expected Questions
- Previous Year Papers
JAIIB Preparation Strategy
We understand the challenge of balancing work and studies, especially for bankers like you. This 100-day preparation strategy for the exam is designed for busy professionals like you.
JAIIB Preparation Strategy | ||
Subjects | ||
Days | Morning Shift (6 AM to 7:30 AM) | Evening Shift (9:30 PM to 11 PM) |
Day 1 to Day 35 | IE & IFS | RBWM |
Day 36 to Day 40 | IE & IFS | PPB |
Day 41 to Day 80 | AFM | PPB |
Day 81 to Day 90 | Revision of PPB | Revision of AFM |
Day 91 to Day 100 | Revision of IE & IFS | Revision of RBWM |
Note: The above table is just a general preparation strategy for the exam. You need to customize it according to your strengths and weaknesses.
Read this article for complete JAIIB preparation strategy including important topics, modules and study plan.
JAIIB Preparation 2025 Best Books
Here are the best books to prepare for the exam:
Indian Economy and Indian Financial System (IE&IFS) Recommended Books | ||
Books | Author | Publisher |
NCERT Economy Books for Class XI & XII | NCERT | NCERT |
Indian Economy & Indian Financial System | IIBF | Macmillan |
Principles and Practices of Banking (PPB) Recommended Books | ||
Book | Author | Publisher |
Principles & Practices of Banking | IIBF | Macmillan |
Accounting & Financial Management for Bankers (AFM) Recommended Books | ||
Book | Author | Publisher |
Class XI – Financial Accounting Part 1 | NCERT | NCERT |
Class XI – Financial Accounting Part 2 | NCERT | NCERT |
Class XII – Company Accounts & Analysis of Financial Statements | NCERT | NCERT |
Accounting & Financial Management For Bankers | IIBF | Macmillan |
Retail Banking and Wealth Management (RBWM) Recommended Books | ||
Book | Author | Publisher |
Retail Banking & Wealth Management | IIBF | Macmillan |
Read the JAIIB free material article to get free videos, notes and tests for preparation.
- Important Topics
- Expected Questions
- Previous Year Papers
JAIIB Exam: Increment After Clearing JAIIB
After clearing the exam, there will be an increment in your salary.
- As a clerk, you are eligible to receive 1 increment after clearing the exam.
- As an officer, you are eligible to receive 1 increment after clearing the exam.
Besides this, you’ll also receive various benefits.
Benefits of Clearing JAIIB
You’ll get the following benefits after gaining the certification:
- Allowance Increment
- Eligible for Promotion
- Increase in Pension Corpus
- Eligible for CAIIB
- Enhanced Knowledge and Skills
For all details on financial and other benefits upon qualifying the exam, read this article.
JAIIB Exam: Registration Procedure
Regular members can apply at the official website of IIBF. Candidates are advised to complete the online exam registration as early as possible and not keep it until the last date.
How to Apply Online for the JAIIB Exam 2025
Here are the steps to apply online for the exam:
Step 1
Visit the official website of the Indian Institute of Banking and Finance (IIBF).
Step 2
On the official website’s home page, click the “Examination/Courses” option on the screen.
Step 3
A list of various options will appear on your screen after clicking. Under this list, select “Flagship Courses”.
Step 4
Click the “JAIIB (Junior Associate Of IIB&F)” option. A new page will open where you can proceed with the online application.
Step 5
Fill out your complete particulars in the online exam application form, such as educational details, contact, exam centre, and other personal details. Upload scanned images of your photograph and signature.
Step 6
In the last step, candidates must pay the required application fee. The details for the application fee are given below.
Read how to register online for the exam on JAIIB registration.
- Important Topics
- Expected Questions
- Previous Year Papers
JAIIB 2025 Application Fee
The application fee to register for the exam is given below. Candidates can pay this online with a debit card, credit card, net banking, UPI, Wallet, etc. The exam fee varies as per the number of attempts:
JAIIB Registration Application Fees | |
Attempts | Normal Examination Fee |
JAIIB 1st Attempt Fee | ₹ 4000/- |
JAIIB 2nd Attempt Fee | ₹ 1300/- |
JAIIB 3rd Attempt Fee | ₹ 1300/- |
JAIIB 4th Attempt Fee | ₹ 1300/- |
JAIIB 5th Attempt Fee | ₹ 1300/- |
Important Note: There is an additional fee, which varies depending on the week you complete your registration.
- 1st Week of Registration: You need to pay only the normal examination fee (as mentioned above) based on your attempt.
- 2nd Week of Registration: You need to pay the normal examination fee + ₹ 100.
- 3rd Week of Registration: You need to pay the normal examination fee + ₹ 200.
JAIIB 2025 Exam Centres
The exam will be held at multiple centers across India and one center in Dubai.
Click on the link, for a detailed list of the JAIIB Exam Centres.
JAIIB 2025 Admit Card
The admit card is expected to be available approximately a week before the exam date. You can download your admit card by visiting the official IIBF website. You should download your admit card and secure its printed copy before the exam date.
Follow these steps to download your admit card:
- Go to the official website of IIBF.
- Select the “Examination/Courses” section from the menu on the left.
- Now select “Admit Letters” from the drop-down list.
- Select <Month/Year> admit card.
- Enter the password and membership credential.
- The screen will display the admit card.
- Check the information, download the admission card, and print it for your records.
Read JAIIB admit card article for complete details to download admit card from IIBF website.
JAIIB Result 2024
IIBF releases the list of successful candidates who qualify the exam. This announcement is made on their official website following the completion of the examination process. The results for each paper are displayed individually on the website, simplifying the process for candidates to find their roll numbers.
Follow these steps to check your result:
- Go to the IIBF’s official website and select “Examinations/Courses.”
- Click the “Result for JAIIB Examination” link after selecting results/consolidated marksheet.
- Click “Submit” after entering your password and registration/membership ID.
- Download your results for future reference.
Here is a quick way to check your result in 15 seconds.
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Read JAIIB result article to get all details on how to check and download your result and provisional scorecard.
JAIIB Scorecard
Candidates get their marks on the screen after completing each paper; however, the exam scorecard takes around 45 days from the conclusion of the examination. The exam scorecard provides a detailed record of a candidate’s performance in the exam. It typically includes the following information:
- Candidate Information
- Marks
- Passing Status
- Date and Signature
Read JAIIB scorecard article to get complete information on how to download scorecard from IIBF website.
- Important Topics
- Expected Questions
- Previous Year Papers
JAIIB Certificate
A digitally signed certificate is issued to the candidates who have enrolled and passed the examination. The certificate is emailed to the candidate’s registered email within 3 weeks from the result’s declaration date. The certificate includes details such as:
- Candidate’s name
- Candidate’s signature
- Registration number
- Name of the exam cleared
- Pass class
- Date of successful completion
Read JAIIB certificate article to get complete details.
Conclusion
In this article, we discussed the complete details of the JAIIB exam, such as exam dates, registration, subjects, pattern, eligibility, fees, syllabus, and more. Understanding the above-mentioned exam details can help you prepare your strategy accordingly. Qualifying the exam not only validates a professional’s expertise but also opens doors to career advancements within the banking industry.