Important Topics That Appear Every Year in JAIIB RBWM Exams

The JAIIB (Junior Associate of the Indian Institute of Bankers) exam is one of the most critical exams for banking professionals aiming to advance their careers in retail banking, credit, and financial management. As per the official notice, the JAIIB November 2025 exam is scheduled to start from 2nd November and the RBWM paper is going to be held on 16th November, giving aspirants roughly one month to prepare.

If you are appearing for the JAIIB November exam, revising high-frequency topics that repeatedly appear in past exams can give you a significant advantage. Based on previous cycles and expert analysis, certain chapters have consistently contributed 30–35 marks in each attempt.

In this blog, we provide a detailed breakdown of must-know topics for JAIIB, module-wise, so that you can focus your preparation strategically.

Important JAIIB RBWM Topics

Some of the most repetitive topics for the JAIIB RWM paper are as follows:

Module	Topics & Approx. Marks
Module A – Basics of Retail Banking	• Retail Banking: Introduction • Branch Profitability • Application of Retail Banking Marks: 10
Module B – Customer & Product Management	• Customer Requirements • Product Development Process • Credit Scoring • Retail Liability Products • Retail Asset Products • Credit & Debit Cards • Remittance Products • Digitalization of Retail Banking Products • Role of AI & Technology • Recovery of Retail Loans Marks: 30–35
Module C – Delivery Channels & Service Standards	• Delivery Channels in Retail Banking • Delivery Models • Service Standards for Retail Banking Marks: 20–25
Module D – Investment & Tax Planning	• Wealth Management • Investment Management • Tax Planning Marks: 20–25
Home Loans	• Lender’s Appraisal Procedure (Theory) • Housing Finance & Tax Planning (Theory) • Mortgage Advice (Numerical) • Valuation of Real Property (Theory + Numerical) Marks: 10–15

Module-wise Breakdown of Important Topics

The module-wise details of the important topics for the JAIIB RBWM paper are as follows:

Module A: Basics of Branch Banking

Module A covers the core concepts of banking, including retail and branch operations. Focusing on these ensures that you secure easy marks through direct questions.

Topic	Description	Approx. Marks
Retail Banking	Definitions, differences between retail and wholesale banking; key applications	2–3
Branch Profitability	Gross profit, ROA, leverage ratios; critical for Model A questions	3–4
Application of Retail Banking Models	Practical application in real banking scenarios; often tested in case studies	2–3

Module B: Customer Requirements & Products

This module covers customer-centric banking and product development. Questions often appear from customer segmentation, Maslow’s theory, and product development stages (PDLS).

Topic	Description	Approx. Marks
Customer Requirement & CRM	Maslow theory, customer segmentation; high-relevance topics	3–5
Product Development Stages (PDLS)	Introduction, growth, and maturity stages; always tested	3–4
Retail Liabilities	Savings account, current account, types of deposits; essential	2–3
Loans	Home and education loans; highly likely to appear	3–4
Credit/Debit Cards	Key features and uses; recurring questions	2

Module C: Delivery Channels & Digital Banking

Module C focuses on digital banking and delivery mechanisms. Questions often cover ATMs, online transactions, and remittance products.

Topic	Description	Approx. Marks
Delivery Model	ATM, DBS model, delivery channels; repeated in exams	2–3
Digital Banking Products	IBRT, NFS, NEFT/RTGS, ACS; very likely to appear	3–4
Retail Loan Recovery	SARFAESI, DRT, Lok Adalat; often tested	3–4
NPA Management	Key definitions, provisions, and reporting	2

Module D: Investment, Insurance & Taxation

Module D covers investment products, insurance services, taxation, and budget planning. These topics are formulaic and calculation-based, often contributing significantly to your score.

Topic	Description	Approx. Marks
Portfolio Management & PMS	Investment models, bonds, mutual funds; high-yield topic	3–4
Budget & Text Planning	Bank’s budget, social schemes, new policies; targeted questions	2–3
Insurance Products	PMJJBY, PMSBY, sovereign gold bonds; expected questions	2–3
Reverse Mortgage Loan	Frequently asked in recent exams; numerical-based	2–3
NUT & Present/Future Value	Calculation-based questions; crucial for marks	3–4
Tax & 80C/80EE	Income tax deductions; moderate difficulty but recurring	2–3

Last Minute Preparation Strategy

The last-minute preparation strategy for the JAIIB RBWM paper is as follows:

1. Focus on High-Weightage Topics First – Prioritize Modules B and D; these cover the bulk of marks.
2. Practice Numericals & Formulas – Module D topics often involve calculations; practice thoroughly.
3. Revise Previous Year Questions – Look at memory-based papers from May 2025 and October 2024 for trends.
4. Use Downloadable Notes/PDFs – Helps in quick revision during travel or offline study.
5. Mock Tests – Attempt both module-wise and full-length mocks to gauge timing and accuracy.

JAIIB RBWM Memory-Based Questions

Q1. Which of the following is an essential requisite of a Mortgage by Deposit of Title
Deeds under the Transfer of Property Act?

• Transfer of possession of the property
• Registration of the mortgage deed
• Delivery of title documents with intent to create a security
• Mortgagee can sell the property without court intervention

Correct Answer: C) Delivery of title documents with intent to create a security

Q2.Which of the following statements regarding priority of mortgages are true?

1. A simple mortgage takes precedence over an equitable mortgage in case of dispute.
2. The first registered mortgage holds priority over a subsequent equitable mortgage.
3. An equitable mortgage created before a registered mortgage will still have priority over the
   registered mortgage.
4. The mortgagee in an equitable mortgage cannot enforce their rights if they lose possession
   of title deeds.

• Only 1 and 3
• Only 2 and 4
• Only 3 and 4
• All of the above

Correct Answer: C) Only 3 and 4

Q3. Which of the following assets qualify as long-term capital assets when held for
more than 12 months?

1. Equity shares listed on a recognized stock exchange
2. Units of equity-oriented mutual funds
3. Unlisted corporate bonds
4. Zero-coupon bonds

• Only 1 and 2
• Only 1, 2, and 4
• Only 1 and 4
• All of the above

Correct Answer: B) Only 1, 2, and 4

Q4. Which of the following statements about CRM implementation in retail banking
are correct?

1. Business process evaluation is necessary to align CRM with product offerings and customer
   portfolio management.
2. CRM implementation does not require restructuring of existing information processes in the
   bank.
3. Legacy IT systems must be carefully integrated rather than replaced to ensure smooth CRM
   adoption.
4. Organizational culture plays a crucial role in CRM acceptance and responsiveness.

• Only 1 and 3
• Only 1, 3, and 4
• Only 2 and 4
• All of the above

Correct Answer: B) Only 1, 3, and 4

Q5. Which of the following statements about branch profitability are correct?

1. Branch profitability depends on revenue generated, operating costs, and risk exposure.
2. A bank’s efficiency in loan recovery impacts its branch profitability.
3. Higher employee costs always indicate reduced profitability in branch operations.
4. Profitability analysis helps banks decide on branch expansion strategies.

• Only 1 and 2
• Only 1, 2, and 4
• Only 2 and 3
• All of the above

Correct Answer: B) Only 1, 2, and 4

Key Takeaways

Module	Important Topics	Minimum Marks in Exam	Notes
A	Retail Banking, Branch Profitability	7–8	Repeatedly asked; easy to score
B	Customer Requirement, PDLS, Retail Liabilities, Loans	12–13	Must focus; moderate effort
C	Delivery Channels, Digital Banking, Loan Recovery	10	Recurrent; case-based and conceptual
D	Investments, Insurance, Tax, Reverse Mortgage Loan	15	Formulaic; high-yield

FAQs

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