Check the latest JAIIB Syllabus 2026 with paper-wise topics, module-wise syllabus, exam pattern, marking scheme, preparation tips, recommended books, and official syllabus PDF.
JAIIB Syllabus 2026
The Junior Associate of the Indian Institute of Bankers (JAIIB) examination is conducted by the Indian Institute of Banking & Finance (IIBF) to enhance the professional knowledge and banking skills of employees working in the banking and financial sector. The JAIIB Syllabus 2026 has been updated to reflect the evolving banking ecosystem and now consists of four compulsory papers, each divided into four modules.
Candidates appearing for the JAIIB November 2026 Examination should thoroughly understand the latest syllabus and exam pattern before starting their preparation. The official syllabus PDF can be downloaded from the IIBF website for detailed reference. JAIIB Syllabus 2026
JAIIB Syllabus 2026: Overview
| Particular | Details |
|---|---|
| Conducting Body | Indian Institute of Banking & Finance (IIBF) |
| Exam Name | JAIIB 2026 |
| Mode of Exam | Online |
| Language | English |
| Number of Papers | 4 |
| Questions Per Paper | 100 MCQs |
| Marks Per Paper | 100 |
| Duration | 2 Hours |
| Negative Marking | No |
| Official Website | www.iibf.org.in |
JAIIB Exam Pattern 2026
The JAIIB examination consists of four compulsory papers. Each paper is conducted on a separate date.
| Paper | Subject | Questions | Marks | Duration |
|---|---|---|---|---|
| Paper I | Indian Economy & Indian Financial System (IE & IFS) | 100 | 100 | 2 Hours |
| Paper II | Principles & Practices of Banking (PPB) | 100 | 100 | 2 Hours |
| Paper III | Accounting & Financial Management for Bankers (AFM) | 100 | 100 | 2 Hours |
| Paper IV | Retail Banking & Wealth Management (RBWM) | 100 | 100 | 2 Hours |
Marking Scheme
- 100 Objective Type Questions
- 1 Mark for each correct answer
- No Negative Marking
- Online Computer-Based Examination
Candidates need to secure 50 marks in each paper to qualify. JAIIB Syllabus 2026
JAIIB Paper 1 Syllabus: Indian Economy & Indian Financial System (IE & IFS)
The first paper covers the fundamentals of the Indian economy and financial system through four modules.
Module A: Indian Economic Architecture
Topics include: JAIIB Syllabus 2026
- Indian Economy Overview
- Economic Planning
- NITI Aayog
- Priority Sector
- MSMEs
- Infrastructure
- Sustainable Development Goals (SDGs)
- Climate Change
- Globalisation
- Economic Reforms
- Foreign Trade Policy
- Foreign Investment
- International Economic Organisations
Module B: Economic Concepts Related to Banking
- Demand and Supply
- Inflation
- Money Supply
- Micro & Macro Economics
- Business Cycles
- Monetary Policy
- Fiscal Policy
- GDP Concepts
- National Income
- Union Budget
Module C: Indian Financial Architecture
- Indian Financial System
- Banking Structure
- RBI
- Banking Regulation Act
- RBI Act
- NBFCs
- Insurance Companies
- Development Financial Institutions
- Banking Sector Reforms
Module D: Financial Products & Services
- Money Market
- Capital Market
- Debt Market
- Forex Market
- Mutual Funds
- Insurance
- Pension Products
- Merchant Banking
- Venture Capital
- REITs
- InvITs
- Derivatives
- TReDS
- Credit Rating
AFCAT 2 Exam City Intimation Slip 2026 Out, Check Exam City
JAIIB Paper 2 Syllabus: Principles & Practices of Banking (PPB)
Module A: General Banking Operations
- Banker-Customer Relationship
- KYC & AML Guidelines
- Deposit Accounts
- Cash Management
- Negotiable Instruments
- Customer Service
- Financial Inclusion
- RBI Ombudsman Scheme
- Consumer Protection Act
- RTI Act
Module B: Functions of Banks
- Principles of Lending
- Credit Appraisal
- Loan Documentation
- Priority Sector Lending
- Agricultural Finance
- MSME Finance
- NPAs
- Recovery Laws
- Letters of Credit
- Bank Guarantees
- Government Sponsored Schemes
Module C: Banking Technology
- Core Banking System (CBS)
- Digital Banking
- UPI & NPCI
- NEFT & RTGS
- Cyber Security
- FinTech
- RegTech
- Artificial Intelligence
- Fraud Risk Management
Module D: Ethics in Banking
- Business Ethics
- Professional Ethics
- Workplace Ethics
- Banking Ethics
- Ethical Decision Making
JAIIB Paper 3 Syllabus: Accounting & Financial Management for Bankers (AFM)
Module A: Accounting Principles
- Accounting Standards
- Journal & Ledger
- Trial Balance
- Depreciation
- Bank Reconciliation
- Bills of Exchange
- Bank Audit
- Accounting Entries
Module B: Financial Statements
- Balance Sheet
- Final Accounts
- Company Accounts
- Cash Flow
- Funds Flow
- Core Banking Accounting
Module C: Financial Management
- Ratio Analysis
- Cost of Capital
- Capital Budgeting
- Working Capital
- Leasing
- Forex Arithmetic
- Yield to Maturity
- Derivatives
Module D: Taxation & Costing
- Banking Company Accounts
- Income Tax
- GST
- TDS
- Deferred Tax
- Cost Accounting
- Budgeting
- Standard Costing
- Marginal Costing
JAIIB Paper 4 Syllabus: Retail Banking & Wealth Management (RBWM)
Module A: Retail Banking
- Retail Banking Basics
- Branch Profitability
- Retail vs Corporate Banking
- Banking Business Models
Module B: Retail Products & Recovery
Topics include:
- Savings & Current Accounts
- Fixed Deposits
- Recurring Deposits
- Home Loans
- Vehicle Loans
- Personal Loans
- Education Loans
- Credit Cards
- Debit Cards
- Digital Payments
- AI in Banking
- Loan Recovery
- SARFAESI Act
- DRT
- MIS
- Securitisation
Module C: Marketing of Banking Products
- Marketing Mix
- Delivery Channels
- Mobile Banking
- Internet Banking
- CRM
- Customer Service
- Banking Codes
- Marketing Information System
Module D: Wealth Management
- Wealth Planning
- Portfolio Management
- Investment Management
- Tax Planning
- Mutual Funds
- Insurance
- Depository Services
- Estate Planning
- Housing Finance
- Mortgage Advisory
Is There Negative Marking in JAIIB?
No.
There is no negative marking for incorrect answers in the JAIIB examination, allowing candidates to attempt all questions without the risk of losing marks.
How Many Attempts Are Allowed?
Candidates can appear for the JAIIB examination:
- Maximum 5 Attempts
- Within 3 Years from the first registration
If candidates fail to qualify within this period, they must register again as a fresh candidate. JAIIB Syllabus 2026
Best Books for JAIIB Preparation
The following books are recommended: JAIIB Syllabus 2026
- IIBF Official Courseware
- Macmillan JAIIB Books
- Arihant JAIIB Guide
- Kiran JAIIB Practice Papers
- Previous Year Question Papers
- Online Mock Test Series
JAIIB Preparation Tips 2026
Candidates can improve their chances of qualifying by following these strategies: JAIIB Syllabus 2026
- Understand the latest syllabus thoroughly.
- Prepare a subject-wise study timetable.
- Complete one module at a time.
- Read the official IIBF study material.
- Practice topic-wise MCQs daily.
- Attempt full-length mock tests regularly.
- Revise important formulas and banking concepts.
- Solve previous year question papers.
- Stay updated with RBI notifications and current banking developments.
FAQs
How many papers are there in JAIIB 2026?
There are four compulsory papers:
- Indian Economy & Indian Financial System (IE & IFS)
- Principles & Practices of Banking (PPB)
- Accounting & Financial Management for Bankers (AFM)
- Retail Banking & Wealth Management (RBWM)
Is there any negative marking in JAIIB?
No. There is no negative marking in the JAIIB examination.
How many questions are asked in each paper?
Each paper contains 100 objective-type multiple-choice questions.
What is the duration of each paper?
Each paper is conducted for 2 hours.
How many attempts are allowed in JAIIB?
Candidates can appear five times within three years from their first registration.