Topics Covered: What is JAIIB, JAIIB 2025 Notification and Exam Dates, JAIIB Eligibility and Number of Attempts, Time Limit to Qualify JAIIB, JAIIB 2025 Subjects, JAIIB Pattern, JAIIB Passing Criteria, JAIIB Syllabus, JAIIB Previous Year Questions, JAIIB Exam Analysis, JAIIB Preparation Strategy, Best Books to Prepare for JAIIB, Increment After Qualifying JAIIB, JAIIB 2025 Exam Registration, How to Apply for JAIIB 2025 Exam, Application Fee, Exam Centres, How to Download Admit Card, How to Check Result and Scorecard, How to Download JAIIB Certificate

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
EventImportant Dates
Online Registration Start4th February 2025
Online Registration Last Date24th February 2025
JAIIB 2025 Exam Dates4th 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
EventImportant Dates
Online Registration Start1st August 2025
Online Registration Last Date21st August 2025
JAIIB 2025 Exam Dates2nd 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
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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.

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JAIIB Exam 2025: Number of Attempts Allowed

Here are the attempt and time limit details about the exam:

  1. You have 5 attempts to clear the exam within 3 years, and these attempts don’t have to be in a row.
  2. 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:

  1. Indian Economy and Indian Financial System (IE IFS)
  2. Principles and Practices of Banking (PPB)
  3. Accounting & Financial Management for Bankers (AFM)
  4. 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
PapersQuestionsMarksDuration
Paper 1
Indian Economy and Indian Financial System (IF and IFS)
1001002 hours
Paper 2
Principles and Practices of Banking (PPB)
1001002 hours
Paper 3
Accounting and Financial Management for Bankers (AFM)
1001002 hours
Paper 4
Retail Banking and Wealth Management (RBWM)
1001002 hours
JAIIB Exam Pattern
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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 pattern additional details

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:

  1. First Class

60% or more marks in aggregate and pass in all the subjects in the FIRST PHYSICAL ATTEMPT.

  1. 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.

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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
PaperModuleSyllabus
Paper 1
Indian Economy and Indian Financial System (IE&IFS)
Module AIndian Economic Architecture
Module BEconomic Concept Related to Banking
Module CIndian Financial Architecture
Module DFinancial Products and Services
Paper 2
Principles and Practices of Banking (PPB)
Module AGeneral Banking Operations
Module BFunctions of Banks
Module CBanking Technology
Module DEthics in Bank & Financial Institutions
Paper 3
Accounting & Financial Management for Bankers (AFM)
Module AAccounting Principles and Processes
Module BFinancial Statement and Core Banking Systems
Module CFinancial Management
Module DTaxation and Fundamental of Costing
Paper 4
Retail Banking and Wealth Management (RBWM)
Module ARetail Banking
Module BRetail Products and Recovery
Module CSupport Services – Marketing of Banking Services/Products
Module DWealth 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 PYQsDownload 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.
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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
DaysMorning Shift
(6 AM to 7:30 AM)
Evening Shift
(9:30 PM to 11 PM)
Day 1 to Day 35IE & IFSRBWM
Day 36 to Day 40IE & IFSPPB
Day 41 to Day 80AFMPPB
Day 81 to Day 90Revision of PPBRevision of AFM
Day 91 to Day 100Revision of IE & IFSRevision 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
BooksAuthorPublisher
NCERT Economy Books for Class XI & XIINCERT NCERT
Indian Economy & Indian Financial SystemIIBFMacmillan 
Principles and Practices of Banking (PPB)
Recommended Books
BookAuthorPublisher
Principles & Practices of Banking IIBFMacmillan 
Accounting & Financial Management for Bankers (AFM)
Recommended Books
BookAuthorPublisher
Class XI – Financial Accounting Part 1NCERTNCERT
Class XI – Financial Accounting Part 2 NCERTNCERT
Class XII – Company Accounts & Analysis of Financial StatementsNCERTNCERT
Accounting & Financial Management For BankersIIBF Macmillan
Retail Banking and Wealth Management (RBWM)
Recommended Books
BookAuthorPublisher
Retail Banking & Wealth ManagementIIBFMacmillan 

Read the JAIIB free material article to get free videos, notes and tests for preparation.

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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:

  1. Allowance Increment
  2. Eligible for Promotion
  3. Increase in Pension Corpus
  4. Eligible for CAIIB
  5. 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.

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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
AttemptsNormal 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:

  1. Go to the official website of IIBF.
  2. Select the “Examination/Courses” section from the menu on the left.
  3. Now select “Admit Letters” from the drop-down list.
  4. Select <Month/Year> admit card.
  5. Enter the password and membership credential.
  6. The screen will display the admit card.
  7. 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:

  1. Go to the IIBF’s official website and select “Examinations/Courses.” 
  2. Click the “Result for JAIIB Examination” link after selecting results/consolidated marksheet.  
  3. Click “Submit” after entering your password and registration/membership ID.  
  4. 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.

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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.