How many papers are there in the JAIIB Syllabus 2026?

There are 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).

What topics are covered in the module "Accounting principles and processes"?

Accounting standards, basic accountancy procedures, ledger maintenance, bank reconciliation statement, trial balance, depreciation, capital and revenue expenditure, bills of exchange, and other operational aspects of accounting entries.

What topics are covered in the module "financial management" in JAIIB?

The "financial management" module covers topics like ratio analysis, financial mathematics, capital structure and cost of capital, capital investment decisions, working capital management, derivatives, and other aspects of financial management.

What topics are covered in the module "taxation & fundamentals of costing" in JAIIB Exam?

The "taxation & fundamentals of costing" module includes topics related to income tax, Goods & Services Tax (GST), an overview of cost & management accounting, costing methods, standard costing, marginal costing, budgets and budgetary control.

Is there any negative marking in the JAIIB Exam 2026?

No. There is no negative marking for incorrect answers in any of the JAIIB papers.

What is the duration of each JAIIB paper?

Each paper is conducted for 2 hours and contains 100 multiple-choice questions (MCQs).

How many attempts are allowed for the JAIIB Exam?

Candidates can appear for the JAIIB Exam up to five times within three years from the date of their first registration

Is the JAIIB Exam conducted online or offline?

The JAIIB Exam is conducted in online mode only.

Where can I download the JAIIB Syllabus 2026 PDF?

Download the latest JAIIB Syllabus 2026 PDF from the official IIBF website or through the direct download link provided in this article.

JAIIB Syllabus 2026, Exam Pattern, Download Syllabus PDF

Q: How many modules are there in the AFM Paper?

The AFM Paper consists of four modules: Accounting principles and processes, financial statements & core banking systems, financial management, and taxation & fundamentals of costing.

Table of Contents

The Junior Associate of the Indian Institute of Bankers (JAIIB) examination is conducted by the Indian Institute of Banking and Finance (IIBF) to enhance the professional knowledge and banking skills of employees working in the banking and financial sector. Candidates can download the official JAIIB Syllabus 2026 PDF from the IIBF website and begin their preparation accordingly.

In this article, candidates can check the complete JAIIB Syllabus 2026, subject-wise topics, latest exam pattern, preparation tips, and download the official syllabus PDF.

JAIIB Official Syllabus 2026

The JAIIB syllabus has been revised to align with the evolving banking landscape and now comprises four compulsory papers, each divided into four modules. Candidates appearing for the JAIIB November 2026 examination, scheduled on 1st, 22nd, 28th, and 29th November 2026, should thoroughly understand the latest syllabus and exam pattern before beginning their preparation.

To qualify, candidates must secure at least 50 marks in each paper, making regular practice and focused preparation essential. Below, we have discussed the paper-wise syllabus in detail. Candidates are advised to go through it and prepare accordingly.

Attempt Free JAIIB Mock Test

JAIIB Syllabus and Exam Pattern 2026

Below is an overview of the JAIIB syllabus and exam structure.

Particular	Details
Organization	Indian Institute of Banking and Finance
Exam Name	JAIIB Exam 2026
Selection Process	Online Exam
Language of Exam	English
Category	Syllabus
Papers	Indian Economy & Financial System Principles & Practices of Banking Accounting & Financial Management of Bankers Retail Banking & Wealth Management
Negative Marking	None
Mode of Exam	Online
Official Website	www.iibf.org.in

JAIIB Syllabus 2026 PDF

Candidates can download the JAIIB Syllabus 2026 PDF to access the complete subject-wise syllabus for all four papers in one place. The PDF serves as a handy reference for understanding the latest topics, planning a study schedule, and tracking exam preparation. Download the syllabus PDF from the link provided below and keep it for quick revision throughout your preparation.

Download JAIIB Syllabus 2026 PDF

JAIIB Exam Pattern 2026

The exam is conducted on different dates for each subject.
Each subject contains 100 multiple-choice questions (MCQs).
The total exam duration is 2 hours per subject.
The JAIIB Examination is conducted online only.
Each subject carries a total of 100 marks.

Papers	Name of Paper	Questions	Marks	Duration
I	Indian Economy & Financial System	100	100	2 hours
II	Principles & Practices of Banking	100	100	2 hours
III	Accounting & Financial Management of Bankers	100	100	2 hours
IV	Retail Banking & Wealth Management	100	100	2 hours

Exam Medium: Candidates can choose to take the examination in either English or Hindi. They must select their preferred language while filling out the online application form.

JAIIB Previous Year Question Paper- Click to Check

JAIIB Exam Date 2026 Out – Click to Check

Is There a Negative Marking in the JAIIB Exam?

No, there is no negative marking for incorrect answers.

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

Indian Economy and Indian Financial System (IE & IFS Syllabus)

The Indian Economy and Indian Financial System (IE & IFS) is the first paper of the JAIIB Syllabus 2026. It covers important concepts related to the Indian economy, banking, and financial sector through four modules: Indian Economic Architecture, Economic Concepts Related to Banking, Indian Financial Architecture, and Financial Products and Services. Candidates can check the detailed module-wise syllabus below.

Module	Topics
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 Climate Change Sustainable Development Goals (SDGs) Issues Facing the Indian Economy Globalisation- Impact on India Economic Reforms Foreign Trade Policy Foreign Investments and Economic Development International Economic Organisations (World Bank, IMF, etc.)
Module B: Economic Concepts Related to Banking	Supply and Demand Money Supply and Inflation Fundamentals of Economics Types of Economies 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)

Principles and Practices of Banking (PPB Syllabus)

The Principles and Practices of Banking (PPB) is the second paper of the JAIIB PPB Syllabus 2026. It is divided into four modules: General Banking Operations, Functions of Banks, Banking Technology, and Ethics in Banks and Financial Institutions. The detailed module-wise topics for Paper 2 are provided below.

Module	Topics
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

Accounting and Financial Management Of Bankers (AFMB Syllabus)

The JAIIB AFMB Syllabus (Paper 3) covers key concepts related to accounting and financial management in the banking sector. It is divided into four modules: Accounting Principles and Processes, Financial Statements & Core Banking Systems, Financial Management, and Taxation & Fundamentals of Costing. Candidates can check the detailed module-wise syllabus below.

Module	Topics
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.

Paper 4: Retail Banking & Wealth Management (RBWM Syllabus)

Module	Topics
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 marketing 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 Pinnaclesin 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

How Many Attempts Are Allowed in JAIIB?

A candidate can appear for the JAIIB Exam a maximum of five times within three years from the first registration date. Candidates who fail to clear the examination within this period must register again as a fresh candidate.

JAIIB Preparation Tips for Working Professionals

We know its not easy for working professionals to manage job and JAIIB preparation simultaneously. This is why we have shared some tips here:

Study one paper at a time. Complete one subject first before moving to the next instead of preparing all four together.
Focus on high-scoring topics first. Since you need only 50 marks out of 100 in each paper, prioritise important topics that are frequently asked in the exam.
Connect your work experience with the syllabus. If you already deal with KYC, loans, or deposits at work, relate that knowledge to the exam topics instead of studying them from scratch.
Practice mock tests regularly. As there is no negative marking, attempt full-length mocks to improve your speed and accuracy.
Identify weak topics, not just weak subjects. Instead of saying you’re weak in an entire paper, focus on the specific chapters that need improvement.
Plan your preparation according to the exam schedule. Since each paper is conducted on a different date, focus more on the paper whose exam is approaching.