JAIIB IE and IFS Exam Analysis 2025, 4th May 2025 Detailed Analysis

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JAIIB IE and IFS Exam Analysis 2025

JAIIB IE and IFS Exam Analysis: The Indian Institute of Banking and Finance held the IE and IFS exam of the May cycle on 4th May 2025. The exam was 100 questions and 100 marks with a 2-hour duration. We will be covering the complete JAIIB IE and IFS Exam Analysis for Shift 1, 2, and 3 held on 4th May 2025.

JAIIB IE & IFS Exam Analysis 2025 – 4th May, 3rd Shift

The third shift of the JAIIB IE & IFS Exam 2025 was conducted on 4th May across India. As per feedback from candidates, the overall difficulty level was moderate. The paper included a mix of conceptual, numerical, and factual questions from all four modules, with many questions related to government schemes, financial terms, and economic concepts. Modules C and D had more coverage in this shift, and a few questions required a good understanding of current affairs and budget 2024–25.

Questions Asked in JAIIB IE & IFS 4th May, 3rd Shift

Green Debt Security Revised Guidelines – February 2023
USD Index
Insurance Broker
Deficit Financing
Credit Score Range
SFG Initiative by which institution?
CPI released by NSO
Money Demand Curve—Impact of income level
SDG 13 and SDG 17
Viksit Bharat target year
Bond Directors of RBI
NITI Aayog—Full form
RBI Green Deposit
GDP numerical
TReDS—regulated by whom?
G-Sec coupon rate
Insurance Penetration – numerical
CSR Activity
Retail Investor Limit
NBFC vs. Bank—Difference
T-Bills—minimum amount
Certificate of Deposit (CD) – maturity
CRA – credit rating exclusions
Economic Organization—Fundamentals
First Organisation by Foreign Bank
Purpose of DFI
Law of Diminishing Marginal Utility
Banking Regulation Act Section 10—Board of Directors
CRR and SLR—purpose
NNPS Vatsalya Scheme
Lionel Robbins – economics definition
ANBC calculation
PMJJBY
Atal Pension Yojana
Economic Development—Features
Call/Notice/Term Money
Coinage Act
Union Budget 2024–25
Lease Finance vs Hire Purchase—Statement Based
Age limits in government schemes
IBRD—sovereign loan
Rate of Interest vs Demand for Savings
Private Banks—License Provision
Credit Score – basic concept
Prudential Limit
Climate Action and Environmental Goals
Bank of Baroda – merger
OMO – purpose
Wealth and Security—Definition-based
Term Money
Demand and Supply Curve
CPI Index – issuing authority
Effective Revenue Deficit
Mutualize vs. Demutualize—Statement-based
T-Bill—types/maturity-based question
FEMA—enforcement
Microeconomics
PSL target for SFB
Cash, Tom, Spot—time period
SLR Act
Legal Tender of Currency Note—Who Issues?
GIFT City
Financial Inclusion
GDP Deflator
Venture Capital—Purpose and exit
Currency Note Policy
FX Retail Platform—single transaction size
₹2000 Note Withdrawal—Under Which Policy?
DFI—concept
Single Transaction – definition
Equilibrium Price Situation—Impact
PPB – definition
PMSBY
Call & Put Option – underlying asset role
Bond Valuation Theorem
Retail Trading
FRA (Forward Rate Agreement)
Bank nationalised in July 1969
CRA – basic features
Open-ended vs Close-ended funds—purpose
LLP – Commercial Paper amount
RBI Local Boards
Narasimham Committee recommendations
Payment Bank—feature
Medium Enterprises—Definition
Rural-Urban Migration
DFI setup—role of CRISIL
Match the following: bonus share, Equity
Hicks-Hansen IS-LM Model
Features of Future and Forward Contracts
IDBI, EXIM, ICICI, IFCI—order of setup
TReDS operation—RBI regulation
Liquidity Preference Theory—Interpretation
SDG Goals—Identify the incorrect one
Market Economy – concept
NBFC-MFI—minimum loan amount
Identify which is not a regulator
Foreign Bank—Role of FEDAI

Key Takeaways from JAIIB 4th May 2025 Exam, Shift 3

Moderate paper overall with wide coverage from all modules
Strong presence of current economic and financial events like Budget 2024–25, climate initiatives, and RBI policy updates
Many numerical and formula-based questions from GDP, ANBC, bond valuation, and insurance metrics
High weightage on government schemes like PMSBY, PMJJBY, APY, and NNPS
Conceptual questions from economics (micro & macro), law, and banking terms
Some tricky questions from IS-LM model, FEMA, Venture Capital, and DFIs
Topics like SDGs, market structures, financial reforms, and regulators were commonly asked

JAIIB IE and IFS, 4th May, 2nd Shift Exam Analysis

The second shift of the JAIIB IE & IFS exam held on 4th May 2025 was moderately difficult, with a balanced mix of conceptual, numerical, and factual questions. Many candidates found Module B more challenging due to deep conceptual questions, while case studies were relatively easier and straightforward.

Questions Asked in JAIIB IE and IFS 4th May, 2nd Shift

Here is a list of important questions/topics that appeared in the 2nd shift:

PMSBY
PMJJBY
Pradhan Mantri Suraksha Bima Yojana
APY administered by whom?
Equilibrium calculation question
Microfinance Committee – Malegaon Committee
Housing loan-related question
UAN—how many digits?
Monetary Operations (MO) numerical
Capital Market—5 to 7 questions
EPFO under which ministry?
M1 money supply calculation
Make in India—objective question
Formula of Velocity of Money
Formula of Money Multiplier
3X9 FRA (Forward Rate Agreement)
Dena and Vijaya Bank merged into which bank?
New Bank of India merged with?
Difference between a Merchant Bank and Commercial Bank
NABFID comes under which ministry?
Two pillars of Fiscal Policy
Venture Capital—Exit Route Question
EPFO ceiling contribution limit
Independent directors appointed by whom?
One question on LTRO
One question from the IS-LM Curve
One question from the soft loan arm of the World Bank
APY installment range
First country in derivative growth
Agenda of OSOWOG (One Sun One World One Grid)
One question on ASBA
RRB PCL overall target
Andhra Bank to UCO Bank merger-related question

Key Takeaways from JAIIB 4th May 2025 Exam, Shift 2

Module A had fewer questions; focus was more on other modules.
Module B had deep conceptual questions, especially on macroeconomic concepts.
Several unexpected numericals were asked from money supply, market operations, etc.
Multiple questions on government schemes like APY, PMSBY, and PMJJBY.
Case studies were simple and direct, not too lengthy or tricky.

JAIIB IE and IFS Exam 2025 Video Analysis – Shift 2

Candidates can find a more detailed analysis of Shift 2 for the JAIIB IE and IFS May 2025 cycle held on 4th May 2025 here:

Complete JAIIB May 2025 exam analysis

JAIIB IE & IFS Exam Analysis 2025 – 4th May, Shift 1

The Indian Institute of Banking and Finance (IIBF) conducted the JAIIB IE & IFS Exam 2025 on 4th May as part of the May cycle for the Junior Associate of Indian Institute of Bankers (JAIIB). Thousands of banking professionals across India appeared for this important exam. In this article, we provide the complete JAIIB IE & IFS Exam Analysis 2025 for Shift 1 held on 4th May.

JAIIB IE & IFS Overall Exam Difficulty Level, Shift 1, 4th May

Candidates who appeared in Shift 1 rated the exam as moderate. The question paper had a balanced mix of static concepts, banking awareness, economic theory, and current developments in the financial sector. It tested both factual knowledge and conceptual clarity.

JAIIB IE & IFS, 4th May 2025, Shift 1 – Topics Covered

Below are the major topics and themes covered in the JAIIB IE & IFS Exam 2025 – Shift 1:

Banking and Financial System

Merchant Banking
NBFC (Non-Banking Financial Company)
Bank merged with Bank of Baroda
Sponsorship Bank
CRR (Cash Reserve Ratio) and SLR (Statutory Liquidity Ratio)
Reverse Repo Rate
EPFO (Employees’ Provident Fund Organisation)
PFRDA (Pension Fund Regulatory and Development Authority)
NSDL (National Securities Depository Limited)

Indian Economy and Government Schemes

Definition of Economics
Marginal Utility
GNP and GVA Formula
Base Money Components
Atal Pension Yojana
Demand Curve
Nationalisation of Banks
Economic Liberalisation

Financial Markets and Instruments

Green Shoe Option
Red Herring Prospectus (RHP)
Face Value and Interest Rate
Treasury Bills (T-Bills)
Operating Lease
Forfeiting
LIBOR (London Interbank Offered Rate)
SONIA (Sterling Overnight Index Average)

Committees and Reports

PJ Nayak Committee
Padmanabham Committee
R N Malhotra Committee
Balance of Payments Committee

Regulatory Bodies and Institutions

Mutual Fund Regulator
Central Record Keeping Agency
Regulation of Foreign Exchange
NITI Aayog

Key Takeaways from JAIIB IE and IFS Exam Analysis – Shift 1

The exam focused on a broad range of topics, including both theoretical and practical aspects of the Indian economy and banking system.
A good number of questions were based on banking reforms, financial instruments, and regulatory frameworks.
Candidates needed preparation in current affairs, committee recommendations, and economic formulas.

JAIIB IE and IFS Exam 2025 Video Analysis – Shift 1

Candidates can find a more detailed analysis of Shift 1 for the JAIIB IE and IFS May 2025 cycle held on 4th May 2025 here:

JAIIB IE and IFS Exam Analysis 2025 – FAQs

Q1. When was the JAIIB IE and IFS Exam held in 2025?

Ans. In the May cycle, the JAIIB IE and IFS exam was held on 4th May 2025.

Q2. What was the level of the JAIIB IE and IFS exam in the May 2025 cycle?

Ans. The level of the JAIIB IE and IFS exam was moderate to difficult in shift 1.

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