JAIIB Syllabus 2026 and Exam Pattern, Paper-wise Revised Syllabus

The Indian Institute of Banking and Finance (IIBF) conducted the IIBF JAIIB Exam twice in a year for Banking & Financial Sector Employees. Candidates who wish to gain knowledge and advance their career in this feld, must prepare for JAIIB Exam by following the official JAIIB Syllabus and Exam Pattern 2026. In this article, candidates can check the detailed syllabus, exam pattern, passing criteria, and more.

JAIIB Syllabus 2026

The JAIIB Exam Syllabus consists of four papers, each with 100 marks. There is no negative marking in the exam, so candidates can attempt the questions freely. The JAIIB Exam 2026 will be held in May-June and November-December 2026 sessions, so candidates have ample amount of time to prepare. The four compulsory papers, that candidates need to prepare are given in the table here.

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JAIIB Syllabus and Exam Pattern 2026

Your preparation will be much easier if you dedicatedly follow the exam pattern and syllabus. Candidates need 50 marks out of 100 to qualify in each paper, and it can be achieved through strategic selection of topics and practice. Along with syllabus, candidates must focus on past year papers and mock tests to strengthen their preparation. Here, is an overview of the JAIIB Syllabus and Exam structure.

JAIIB Exam Pattern 2026

• The exam is conducted on different dates for each subject.
• Each subject contains 100 multiple-choice questions (MCQs).
• There is no negative marking for incorrect answers.
• The total exam duration is 2 hours per subject.
• The JAIIB Examination is conducted online only.
• Each subject carries a total of 100 marks.

JAIIB Previous Year Question Paper- Click to Check

Now, let’s go through the paper-wise JAIIB Syllabus that consists of different modules and topics.

JAIIB Syllabus Paper 1: Indian Economy and Indian Financial System (IE & IFS)

The first paper of the updated JAIIB Syllabus 2026 is the Indian Economy and the Indian Financial System. It is divided into four modules: Indian Economic Architecture, Economic Concepts Related to Banking, Indian Financial Architecture, and Financial Products and Services. The detailed topics under each module are listed below.

Module A: Indian Economic Architecture

• An Overview of the Indian Economy
• Sectors of the Indian Economy
• Economic Planning in India & NITI Aayog
• Role of Priority Sector and MSME in the Indian Economy
• Infrastructure, including Social Infrastructure
• Globalisation- Impact on India
• Economic Reforms
• Foreign Trade Policy
• Foreign Investments and Economic Development
• International Economic Organisations (World Bank, IMF, etc.)
• Climate Change
• Sustainable Development Goals (SDGs)
• Issues Facing the Indian Economy

Module B: Economic Concepts Related to Banking

• Fundamentals of Economics
• Types of Economies
• Supply and Demand
• Money Supply and Inflation
• Microeconomics and Macroeconomics
• Theories of Interest
• Business Cycles
• Monetary Policy and Fiscal Policy
• System of National Accounts and GDP Concepts
• Union Budget.

Module C: Indian Financial Architecture

• Indian Financial System – An Overview
• Indian Banking Structure
• Development Financial Institutions
• Micro Finance Institutions
• Insurance Companies
• Indian Financial System – Regulators and Their Roles
• Non-Banking Financial Companies (NBFCs)
• Reforms & Developments in the Banking Sector.
• Banking Laws – Reserve Bank of India Act, 1934 & Banking Regulation Act, 1949

Module D: Financial Products and Services

• Financial Markets
• Money Markets
• Capital Markets and Stock Exchanges
• Fixed Income Markets – Debt and Bond Markets
• Foreign Exchange Markets
• Merchant Banking Services
• Derivatives Market
• Venture Capital
• Lease Finance and Hire Purchase
• Credit Rating and Credit Scoring
• Mutual Funds
• Insurance Products
• Pension Products
• Para Banking and Financial Services Provided by Banks
• Real Estate Investment Trusts (REITs) and Infrastructure Investment Trusts (InvITs).
• Interconnectedness of Markets and Market Dynamics
• Factoring, Forfaiting, and Trade Receivables Discounting System (TReDS)

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JAIIB Paper 2: Principles and Practices of Banking (PPB)

Module A: General Banking Operations

• Banker-Customer Relationship
• AML-KYC Guidelines
• Operational Aspects of KYC
• Opening Accounts of Various Types of Customers
• Operational Aspects of Deposit Accounts
• Operational Aspects of Handling Clearing/Collection/Cash
• Banker’s Special Relationship
• Foreign Exchange Remittance Facilities for Individuals
• Operational Aspects of NRI Business
• Foreign Currency Accounts for Residents and Other Aspects
• Cash Management Services and its Importance
• Payment and Collection of Cheques and Other Negotiable Instruments
• Responsibility of Paying Bank
• Responsibility for Collecting Bank
• Ancillary Services
• Financial Inclusion & Financial Literacy
• Customer Service Guidelines
• Duties & Rights of a Banker and Customer Rights
• Grievance Redressal & RBI Integrated Ombudsman Scheme 2021
• The Consumer Protection Act, 2019: Preamble, Extent, and Definitions
• The Right to Information Act, 2005.

Module B: Functions of Banks

• Principles of Lending
• Different Types of Borrowers and Types of Credit Facilities
• Appraisal and Assessment of Credit Facilities
• Operational Aspects of Loan Accounts
• Types of Collaterals and Their Characteristics
• Different Modes of Charging Securities
• Documentation
• Letters of Credit
• Deferred Payment Guarantee
• Laws Relating to Bill Finance
• Personal Finance
• Priority Sector Advances
• Agricultural Finance
• Non-Performing Assets/ Stressed Assets
• Important Laws Relating to Recovery of Dues
• Contracts of Indemnity, Contracts of Guarantee & Bank Guarantee
• Finance to MFIs/Co-Lending Arrangements with NBFCs
• Micro, Small, and Medium Enterprises in India
• Government-Sponsored Schemes
• Self-Help Groups.

Module C: Banking Technology

• Essentials of Bank Computerisation
• Operational Aspects of the CBS Environment
• Alternate Delivery Channels – Digital Banking
• Data Communication Network and EFT Systems
• Digital Payment Systems – NPCI
• Technology Trends in Banking
• e-RUPI
• Fintech – RegTech, SupTech, Hashtag Banking.
• Impact of Technology Adoption and Trends in Banking Technology
• Security Considerations and Mitigation Measures in Banks
• Operational Aspects of Cyber Crimes/Fraud Risk Management in Cyber Tech

Module D: Ethics in Banks and Financial Institutions

• Ethics, Business Ethics & Banking: An Integrated Perspective
• Ethics at the Individual Level
• Ethical Dimensions: Employees, Work Ethics, and the Workplace
• Banking Ethics: Changing Dynamics.

JAIIB Syllabus Paper 3: Accounting and Financial Management Of Banking (AFMB)

Paper 3 of the JAIIB Syllabus 2026 is “Accounting and Financial Management of Banking (AFMB)”. It is structured into four modules: Accounting Principles and Processes, Financial Statements & Core Banking Systems, Financial Management, and Taxation & Fundamentals of Costing. The detailed topics under each module are given below.

• Module A: Accounting Principles and Processes
• Definition, Scope & Accounting Standards including Ind AS
• Basic Accountancy Procedures
• Maintenance of Cash/Subsidiary Books and Ledger
• Bank Reconciliation Statement
• Trial Balance
• Rectification of Errors and Adjusting & Closing Entries
• Depreciation and Its Accounting
• Capital and Revenue Expenditure
• Bills of Exchange
• Operational Aspects of Accounting Entries
• Back Office Functions/Handling Unreconciled Entries in Banks
• Bank Audit & Inspection
• Module B: Financial Statements and Core Banking Systems
• Balance Sheet Equation
• Preparation of Final Accounts
• Company Accounts-I
• Company Accounts-II
• Cash Flow and Funds Flow
• Module C: Financial Management
• Financial Management – An Overview
• Ratio Analysis
• Financial Mathematics Calculation of YTM
• Financial Mathematics – Forex Arithmetic
• Capital Structure and Cost of Capital
• Capital Investment Decisions/Term Loans
• Equipment Leasing/Lease Financing
• Working Capital Management
• Derivatives
• Module D: Taxation and Fundamentals of Costing
• Final Accounts of Banking Companies
• Core Banking Systems and Accounting in a Computerised Environment
• Financial Mathematics Calculation of Interest and Annuities
• Taxation: Income Tax/TDS/Deferred Tax
• Goods & Services Tax
• An Overview of Cost & Management Accounting
• Costing Methods
• Standard Costing
• Marginal Costing
• Budgets and Budgetary Control
• Bibliography.
• JAIIB Syllabus Paper 4: Retail Banking and Wealth Management (RBWM)

Module A: Introduction to Retail Banking

• Banking: Introduction
• Retail Banking: Role within the Bank Operations
• Applicability of Retail Banking Concepts
• The distinction between Retail and Corporate/Wholesale Banking
• Branch Profitability.

Module B: Retail Products and Recovery

• Customer Requirements
• Product Development Process
• Credit Scoring
• Important Retail Liability Products
• Important Retail Asset Products
• Credit and Debit Cards
• Remittance Products
• Digitization of Retail Banking Products
• Role of AI and Technology in Retail Banking
• Recovery of Retail Loans
• Management Information Systems
• Securitization.

Module C: Support Services- Marketing of Banking Services/Products

• Marketing: An Introduction
• Delivery Channels in Retail Banking
• Delivery Models
• Customer Relationship Management in Retail Banking
• Service Standards for Retail Banking
• Marketing Information Systems – A Longitudinal Analysis.

Module D: Wealth Management

• Importance of Wealth Management
• Investment Management
• Tax Planning
• Other Financial Services Provided by Banks.

JAIIB Syllabus Paper 4: Retail Banking & Wealth Management

Module A: Retail Banking

1. Retail Banking – Introduction

• Meaning and scope of Retail Banking
• Characteristics and advantages of Retail Banking
• Constraints and challenges in Retail Banking
• Evolution and future of Retail Banking
• Prerequisites for successful Retail Banking

2. Role of Retail Banking in Bank Operations

• Importance of Retail Banking in overall bank business
• Retail Banking business models
• Applicability of Retail Banking concepts

3. Retail vs Corporate/Wholesale Banking

• Key differences between Retail and Corporate Banking
• Applicability of Retail Banking concepts in banks

4. Branch Profitability

• Banking system in India – overview
• Concepts of profit and profitability
• Types of profit:
• Gross Profit
• Operating Profit
• Net Profit
• Profitability in banking context
• Traditional profitability measures
• Return on Assets (ROA)
• Return on Equity (ROE)
• Branch operating efficiency
• Factors affecting bank profitability in India
• Strategies to improve branch profitability
• Steps for continuous improvement in profitability

Module B: Retail Products and Recovery

1. Customer Requirements

• Maslow’s Hierarchy of Needs
• Customer expectations regarding service quality

2. Product Development Process

• Product development process and product life cycle
• Banker’s product lines
• Deposit (Liability) products
• Credit (Asset) products
• Fee-based and third-party products
• New product development – stages and constraints
• Product management and product policy

3. Credit Scoring

• Meaning and evolution of credit scoring
• Credit score and its importance
• Credit scoring models
• Managing and improving credit scores
• Credit Information Companies (CICs) in India
• Issues, mistakes, and troubleshooting in credit scoring

4. Important Retail Liability Products

• Demand Deposits
• Current Deposit Accounts
• Features, advantages, documentation, operations
• Savings Bank Accounts
• Eligibility, interest, balance maintenance, restrictions
• Time Deposits (Fixed Deposits)
• Interest, premature withdrawal, renewal, overdue FD rules
• Recurring Deposits (RD)
• Form 15G / 15H and TDS provisions
• Special deposit schemes (2-in-1 Accounts, Minor accounts)

5. Important Retail Asset Products

• Home Loans and PMAY
• Home improvement and home décor loans
• Vehicle / Auto loans
• Personal loans
• Education loans
• Other retail loan products
• Retail loan processing system

6. Credit and Debit Cards

• Credit Cards
• Charge Cards
• Pre-paid Cards
• Debit Cards
• Co-branded and contactless cards

7. Remittance Products

• Electronic payment systems
• NEFT, RTGS
• ECS and NACH
• Aadhaar Enabled Payment System (AePS)
• Bharat Bill Payment System (BBPS)
• Benchmarking India’s payment systems

8. Digitisation of Retail Banking

• Technology in Retail Banking
• Customer analytics and user-friendly features
• IDRBT, INFINET, SFMS, NFS
• Indian Banking Community Cloud (IBCC)
• Digital lending and wealth management solutions

9. Role of AI and Technology in Retail Banking

• Evolution of banking technology
• AI vs Automation
• AI applications in Indian banking
• Benefits and challenges of AI adoption
• AI in Retail Banking in India

10. Recovery of Retail Loans

• Repayment and default management
• Monitoring of loan accounts
• Classification of irregular accounts
• Bank recovery policies
• SARFAESI Act, 2002
• Debt Recovery Tribunals (DRT)
• Lok Adalats and recovery agents

11. Management Information Systems (MIS)

• Elements and role of MIS
• MIS in decision-making
• MIS in banking operations
• Designing MIS for banks
• Issues and solutions in MIS

12. Securitisation

• Concept and process of asset securitisation

Module C: Support Services – Marketing of Banking Products

1. Marketing in Retail Banking

• Concept of marketin
• Marketing mix in Retail Banking

2. Delivery Channels

Branch banking
ATMs
POS terminals
Mobile and Internet Banking
Customer liability in unauthorised transactions

3. Delivery Models

Branch staff as internal customers
Dedicated marketing managers
Direct Selling Agents (DSAs)
Institutional and OEM tie-ups

4. Customer Relationship Management (CRM)

Concept and importance of CRM
CRM implementation in banks
Benefits of CRM
Impact on customer satisfaction

5. Service Standards in Retail Banking

Banking Codes and Standards Board of India (BCSBI)
Code of Bank’s Commitment
MSME code
Customer grievance redressal mechanism

6. Marketing Information System (MKIS)

Functions and components of MKIS
MKIS model
Role of computers and decision models
Advantages and recommendations

Module D: Wealth Management

1. Importance of Wealth Management

• Wealth management overview
• Business structures and processes
• Products and services
• Private banking and personal financial planning
• Benefits and significance of wealth management

2. Investment Management

• Basics of investment management
• Portfolio management
• Investment banking vs investment management
• Role of portfolio manager
• Portfolio Management Services (PMS)
• Recent developments in PMS in India

3. Tax Planning

• Indian tax structure
• Financial year and assessment year
• Residential status
• Heads of income
• Old vs New Tax Regime
• Capital gains tax
• Estate planning through wills and trusts

4. Other Financial Services by Banks

• Mutual fund distribution
• Insurance business
• Social security schemes
• Cross-selling
• Depository services
• Factoring and agency business

5. Home Loans – Additional Reading

• Lender’s appraisal process
• Documentation and mortgage
• CERSAI registration
• Monitoring and closure
• Home loan frauds

6. Housing Finance and Tax Planning

• Tax benefits on housing loans

7. Mortgage Advisory & Valuation

• Time value of money
• Loan amortisation
• Valuation of real property
• Reverse mortgage

Tips to Prepare for the IIBF JAIIB Exam

Clearing the JAIIB exam is an important requirement for career growth and is widely recognised as proof of expertise in banking operations. Candidates should prepare thoroughly by using the IIBF study materials and joining preparatory courses to improve their chances of success.

Here are some useful tips that the candidates can follow to pass the JAIIB Exam and open new avenues in their career growth.

1. The first and foremost important suggestion is to go through the JAIIB Syllabus and Exam Pattern. This holds to key to passing any exam. There are 4 papers in the IIBF JAIIB, and candidates must have a hold over these topics to pass the examination.
2. Refer to reliable study materials provided by the IIBF, including textbooks, practice workbooks, and online resources. Avoid relying on unauthorised or outdated sources.
3. Understand the underlying concepts and principles behind each topic instead of memorising information. This will help you apply your knowledge effectively during the exam.
4. Now that we have acquainted you with what the JAIIB exam is all about then you can recognise your weaknesses and strengths by taking Mock Tests. This will help your mind adjust itself to the level of the questions asked in the exam.
5. Work on your weak areas wherever you feel underconfident.
6. Focus on revising key concepts, formulas, and important facts closer to the exam date.

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