JAIIB Syllabus 2025 and Exam Pattern, Paper-wise Revised Syllabus

The IIBF JAIIB 2025 Exam will be conducted by the Indian Institute of Banking and Finance (IIBF). To prepare effectively, candidates must be familiar with the JAIIB Syllabus and Exam Pattern 2025. The JAIIB Syllabus 2025 covers all the important topics from the four papers, making it easier to plan and organise your studies. This guide provides the detailed syllabus, exam pattern, and a free PDF download to help you track your preparation with ease.

JAIIB Syllabus 2025

The Indian Institute of Banking and Finance (IIBF) conducts the JAIIB Exam 2025 (Junior Associate of the Indian Institute of Bankers). To prepare effectively, candidates need a clear understanding of the JAIIB syllabus, which outlines all the subjects and key topics for the exam. As per the official exam pattern, the JAIIB consists of four subjects, each carrying 100 marks, with no negative marking. The major topics included in the exam are listed below.

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JAIIB Syllabus and Exam Pattern 2025

For detailed information on the JAIIB Syllabus and Exam Pattern 2025, refer to the table given below.

JAIIB Exam Pattern 2025

• 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 Exam Syllabus 2025 (Detailed)

According to the revised JAIIB Syllabus 2025, the exam consists of four papers, covering the following subjects:

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)

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

The first paper of the updated JAIIB Syllabus 2025 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 Syllabus 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 for Bankers (AFM)

Paper 3 of the JAIIB Syllabus 2025 is “Accounting and Financial Management for Bankers (AFM)”. 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 2025 PDF

Candidates can click on the link below and download the JAIIB Syllabus PDF. You can download and take a printout of it and place it with your study material.

JAIIB Syllabus 2025 PDF Download

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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