The Indian Institute of Banking and Finance (IIBF) conducts certification exams for banking professionals for their career boost and help achieve their dream position in the banking sector. IIBF’s JAIIB Exam is one of them. It is conducted twice a year and only candidates working in banks at Clerical and Officer level can take this exam for their professional growth and salary increment within the sector. If you are planning to appear for JAIIB 2026 exam and looking for a guide to crack the exam, then this article is for you. Let’s take deep dive into what JAIIB exam is and all the information you need.
JAIIB 2026
JAIIB also known as Junior Associate of the Indian Institute of Bankers. It is a flagship course provided by IIBF that only individuals working in Banking and Financial sector can take. Its aim is to impart and enhance knowledge of the aspirants which will in turn help in their career growth and better opportunities in the sector.
- Keeping in mind the size of the industry, IIBF conducts the JAIIB exam twice a year.
- JAIIB registration will open in February-March 2026 and September 2026.
- Only IIBF members can take Jthe AIIB Exam.
- There will be 4 Papers of 100 marks each. You will better understand the JAIIB eligibility, registration process, and exam pattern below.
JAIIB Exam 2026- Overview
But before we go any further into details, let’s take a quick overview of the JAIIB exam, eligibility, registration dates, exam pattern, number of attempts, etc. Check out the details here.
| Highlights of JAIIB 2026 Exam | |
| Exam Conducting Body | Indian Institute of Banking and Finance (IIBF) |
| Exam Name | Junior Associate of the Indian Institute of Bankers |
| Frequency of the Exam | Twice a Year |
| Registration Process | Online |
| Registration Dates |
|
| Exam Date | TBA |
| Exam Pattern | Paper 1: Indian Economy and Indian Financial System (IE & IFS) (100 Marks) Paper 2: Principles and Practices of Banking (PPB) (100 Marks) Paper 3: Accounting and Financial Management for Bankers (AFM) (100 Marks) Paper 4: Retail Banking and Wealth Management (RBWM) (100 Marks) |
| No. of Attempts | 5 |
| Official website | www.iibf.org.in |
JAIIB 2026 Registration Process
In this digital era, where everything is online, IIBF conducts the registration process for the JAIIB exam in online mode only. Applications can be submitted on the official website of IIBF at www.iibf.org.in. The registration window is open for 20-30 days, where candidates can fill out the application and pay their application fee. If you are seeking to enhance you salary package and position, then you must take this exam. Why? We will tell in the subsequent sections but before check the tentative registration dates.

JAIIB 2026: Important Dates
| Events | Dates (June Cycle) | Dates (November Cycle) |
| JAIIB Registration Starts | February-March 2026 | September 2026 |
| Last Date to Apply | — | — |
| JAIIB Exam Date 2026 | TBA | TBA |
Note: Registrations will be conducted separately for the June and November 2026 exam cycles. These are the expected dates, and the actual dates will be available soon on the official website of IIBF.
JAIIB 2026 Application Fee
The JAIIB Application fee payment is mandatory and without it your form will not be considered complete. You can pay the fee amount online through your Debit/Credit Card, Internet banking, UPI, or any other payment. Make sure you take a screenshot of the successful application fee payment to ensure for future reference.
| Attempts | Examination Fee |
| 1st Attempt fee | Rs 4000/- |
| 2nd Attempt fee | Rs 1300/- |
| 3rd Attempt fee | Rs 1300/- |
| 4th Attempt Fee | Rs 1300/- |
| 5th Attempt Fee | Rs 1300/- |
Note: The application fee to be paid during 1st attempt is a bit higher as it includes membership fee plus registration fee.
Now, let’s check who is eligible to apply for IIBF JAIIB Exam 2026.
JAIIB Exam Date 2026
The JAIIB 2026 Exam Dates for both sessions will be announced on the official IIBF website and it will be updated.
| Subjects |
Examination Date (June)
|
Examination Date (November)
|
| Indian Economy & Indian Financial System | TBA | TBA |
| Principles & Practices of Banking | TBA | TBA |
| Accounting & Financial Management for Bankers | TBA | TBA |
| Retail Banking & Wealth Management | TBA | TBA |
JAIIB 2026 Eligibility
The JAIIB Eligibility Criteria 2026 include qualification, Age limit, and number of attempts. We have discussed each requirement below.
Age Limit:
There is no age limit for candidates to apply. The exam is open to employees of all ages working in the banking sector.
Employment Requirement:
- The candidate must be a current employee in the banking or finance sector.
- The candidate must be a member of the Indian Institute of Banking & Finance (IIBF).
- The exam is exclusively for bank employees, as it is specially designed for them.
Educational Qualification:
- Candidates should have completed the 12th standard in any stream or its equivalent qualification. However, at the discretion of the Institute, candidates working in the clerical or supervisory staff cadre of banks may be permitted to sit for the exam, even if they haven’t passed the 12th standard, based on the recommendation of the bank’s Manager or officer-in-charge where the candidate is employed.
- Subordinate staff (staff in non-supervisory roles) can also apply, as long as they have passed the 12th standard or its equivalent.
Number of Attempts and Time Limit:
- A candidate has a maximum of 5 attempts to clear the JAIIB exam.
- There is also a 3-year time limit from the first time of registration to clear the exam. If a candidate fails to clear it in 5 attempts or 3 years, they must re-enrol and start the process again.
JAIIB 2026 Exam Pattern
The JAIIB Exam Pattern consists of four papers, as shown in the table below. Each paper carries 100 marks and follows a multiple-choice question format. The duration of each paper is 2 hours, and there is no negative marking. To qualify, candidates must score at least 50 marks out of 100 in each paper.
| Papers | Papers | No. of Questions | Total Marks | Duration |
| Paper-I | Indian Economy & Financial System | 100 | 100 | 2 hours |
| Paper-II | Accounting & Financial Management of Banking | 100 | 100 | 2 hours |
| Paper-III | Principles & Practices of Banking | 100 | 100 | 2 hours |
| Paper-IV | Retail Banking & Wealth Management | 100 | 100 | 2 hours |
Passing Criteria for JAIIB Exam: To qualify for the JAIIB 2026 exam, candidates must score at least 50 out of 100 in each subject. Alternatively, achieving 45 marks in each subject and a total of 50% across all subjects in one attempt also qualifies. Candidates can retain credits for passed subjects until the time limit for completion expires.
JAIIB 2026 Exam Syllabus
IIBF revised the JAIIB Syllabus last year, and as we discussed above,e there are 4 papers in the exam which include Indian Economy, Financial Sector, Principles of Banking, Accounting, etc.
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)
The JAIIB Exam Syllabus is structured around four papers, each divided into separate modules. These modules are designed to broaden the candidates’ knowledge base and provide a deeper understanding of the banking and finance industry.
| Paper | Modules | Topics |
| Paper I – Indian Economy & Indian Financial System | Module A |
Indian Economic Architecture
|
| Module B |
Economic Concepts Related to Banking
|
|
| Module C |
Indian Financial Architecture
|
|
| Module D |
Financial Products and Services
|
|
| Paper II – Principles & Practices of Banking | Module A |
General Banking Operations
|
| Module B |
Functions of Banks
|
|
| Module C |
Banking Technology
|
|
|
Module D
|
Ethics in Banks and Financial Institutions
|
|
| Paper III – Accounting & Financial Management for Bankers | Module A |
Accounting Principles and Processes
|
| Module B |
Financial Statements and Core Banking Systems
|
|
| Module C |
Financial Management
|
|
|
Module D
|
Taxation and Fundamentals of Costing
|
|
| Paper IV – Retail Banking & Wealth Management | Module A |
Introduction to Retail Banking
|
| Module B |
Retail Products and Recovery
|
|
| Module C |
Support Services – Marketing of Banking Services / Products
|
|
|
Module D
|
Wealth Management
|
JAIIB Previous Year Question Paper- Click to Check
JAIIB PPB Syllabus- Click to Check
How to Register for JAIIB 2026?
If you are looking forward to booking your seat for the November cycle exam, then you can follow these steps for successful application submission.

Step 1: Open your browser and open the official website of the Indian Institute of Banking and Finance (IIBF).
Step 2: Now, on the homepage, click on the “Apply Now” button. There you can see various exams.
Step 3: Click on “Apply for JAIIB”.
Step 4: Enter all the necessary details and upload documents.
Step 5: At the end, pay the application fee and submit the application form.
Step 6: Make sure you have received a fee receipt and official confirmation email/text from IIBF that your application has been received.
A unique registration ID will be provided to you, which you can use for admit card download, results, and other purposes.
Prerequisites for JAIIB 2026 Apply Online
The documents to be uploaded while filling out the application form are a passport-size photograph, signature, and photo ID. The size and dimension of each document are the same, which is 8 KB to 20 KB and 100 × 120 px, respectively.
| Dimensions for Documents to Be Uploaded for JAIIB 2026 | ||
| Parameter | Size | Dimension |
| Photograph Size | 8 KB to 20 KB | 100 × 120 px |
| Signature Size | ||
| Photo ID Size | ||
JAIIB 2026 Registration Fee
Payment of the JAIIB application fee is mandatory, and your form will not be accepted without it. The fee can be paid online via Debit Card, Credit Card, Internet Banking, UPI, or other digital payment methods. After completing the payment, make sure to take a screenshot or save the receipt as proof for future reference.
| Attempts | Examination Fee |
| 1st Attempt fee | Rs 4000/- |
| 2nd Attempt fee | Rs 1300/- |
| 3rd Attempt fee | Rs 1300/- |
| 4th Attempt Fee | Rs 1300/- |
| 5th Attempt Fee | Rs 1300/- |
Note: The application fee to be paid during 1st attempt is a bit higher as it includes the membership fee plus registration fee.
Preparation Tips For the IIBF JAIIB Exam 2026
Preparing for the JAIIB exam demands a solid understanding of India’s banking and financial sector. The exam comprises four papers covering key areas such as the Indian Economy, Banking Principles, Accounting, and Wealth Management. To prepare efficiently, begin by reviewing the detailed syllabus to focus on important topics and optimise your study efforts.
Step 1: Identify areas where you need improvement and make a personalised study plan.
Step 2: Focus on understanding concepts rather than rote learning.
Step 3: Practice mock tests and previous year questions to improve accuracy and time management.
Step 4: Stay consistent with revisions to reinforce learning.
Success in JAIIB comes from smart preparation, regular practice, and continuous revision. Stay committed, and you’ll ace the exam.
| Related Posts | |
| JAIIB Online Course | JAIIB Mock Test |


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