Preparing for the JAIIB Retail Banking and Wealth Management (RBWM) paper can feel challenging, especially when you are balancing your job and studies. As per the released JAIIB exam date, the RBWM paper is going to be held on 16th November 2025. However, even with just 30 days left, it is completely possible to score 60+ marks if you follow a smart and structured plan. The key is clarity, focus, and consistency and not the number of hours you study.
In this blog, we will provide you with a thorough and realistic 30-day study plan, curated specifically for working bankers who want to make the best use of their limited time.
JAIIB RBWM Paper Structure
The JAIIB RBWM syllabus is divided into four modules (A, B, C, and D) along with a small portion of Additional Reading Material on Home Loan. Each module carries a different weightage and difficulty level:
| Module | Description | Weightage | Difficulty |
| A | Basics and formulas (ROE, ROA, Ratios, etc.) | 10–15 marks | Easy |
| B | Retail products, marketing, recovery, etc. | 30% | Moderate |
| C | Wealth management and related concepts | 20–25% | Easy |
| D | Financial planning, taxation, mutual funds, insurance | 25–30% | Moderate to Tough |
Important JAIIB RBWM Topics
Some of the important JAIIB RWM topics 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 |
30-Day JAIIB RBWM Study Plan
The day to day JAIIB RBWM study plan for the next 30 days are as follows:
| Day/Module | Topics | Study Goals |
| Day 1 Module B | Introduction to Retail Banking Products | Understand retail banking concept, features, and classification |
| Day 2 Module B | Deposit Products | Study Current, Savings, Term deposits; CASA accounts |
| Day 3 Module B | Loan Products – Housing & Vehicle Loans | Types, eligibility, documentation, risk factors |
| Day 4 Module B | Personal & Education Loans | Features, repayment, margin, moratorium, processing |
| Day 5 Module B | Credit Cards & Debit Cards | Features, limits, billing cycle, risk management |
| Day 6 Module B | Retail Loan Recovery | Recovery methods, SARFAESI, compromise, OTS |
| Day 7 Revision + Test | Revise Module B topics | Attempt 40–50 MCQs + 1 short mock test |
| Day 8 Module D | Introduction to Wealth Management | Concepts, objectives, financial planning process |
| Day 9 Module D | Investment Planning | Assets, risk-return, portfolio basics |
| Day 10 Module D | Mutual Funds | Types, NAV, SIP, taxation, advantages |
| Day 11 Module D | Insurance Products | Life & non-life insurance, ULIP, term plans |
| Day 12 Module D | Tax Planning Basics | Sections 80C, 80D, 24B; tax rebate examples |
| Day 13 Module D | Capital Gains & Time Value of Money | Numericals – TVM, capital gains computation |
| Day 14 Revision + Practice | Revise Module D + practice numericals | Attempt 1 full-length test from Modules B & D |
| Day 15 Module A | Overview of Retail Banking | Features, advantages, retail vs corporate banking |
| Day 16 Module A | Balance Sheet & Ratios | ROE, ROA, leverage, profit ratios, examples |
| Day 17 Module A | Risk Management in Retail Banking | Types of risks, mitigation, credit appraisal |
| Day 18 Module C | Introduction to Marketing | Concepts, product life cycle (PLC), marketing mix |
| Day 19 Module C | Customer Relationship Management | CRM process, importance in retail banking |
| Day 20 Module C | Digital Marketing in Banks | Social media, digital channels, customer targeting |
| Day 21 Weekly Revision | Revise Module A & C + short mock | Focus on weak topics and formula sheet |
| Day 22 All Modules | Revision of Module B (Loans + Recovery) | Focus on case-based questions |
| Day 23 All Modules | Revision of Module D (Investment & Tax) | Practice tax + TVM numericals |
| Day 24 All Modules | Revision of Module A (Ratios + Risk) | Flashcards & formula recall |
| Day 25 All Modules | Revision of Module C (CRM & PLC) | Quick notes + practice MCQs |
| Day 26 Practice | PYQs from last 2 cycles | Attempt 1 mock test + analysis |
| Day 27 Practice | Mixed Topic Test – Modules B & D | Attempt 50 MCQs (concept-based) |
| Day 28 Practice | Case Studies & Numericals | Focus on TVM, tax, capital gain, loan cases |
| Day 29 Practice | Full-Length Mock Test | Simulate real exam conditions |
| Day 30 Final Revision | Formula sheet + key notes + short quiz | Light revision & rest before exam |
Daily Routine Suggestion
Some of the daily study suggestions that aspirants can follow while preparing for the JAIIB RBWM paper to help themselves stick to their daily study goals are:
| Time Slot | Activity | Goal |
| 6:30 AM – 7:30 AM | Study 1 topic | Focused learning before office |
| Lunch Break (15–20 mins) | Quick revision via notes or video | Refresh memory |
| 9:00 PM – 10:00 PM | Practice MCQs / mock questions | Strengthen concepts |
| Sunday (2–3 hrs) | Mock test + full revision | Measure progress |
Study Tips While Preparing for JAIIB RBWM Paper
Study tips that aspirants must follow while appearing for the JAIIB RBWM paper are as follows:
- Daily Revision: Spend 20–30 minutes revising the previous day’s topics before starting new ones.
- Weekend Strategy: Use weekends for mock tests and case studies. These help in improving speed and accuracy.
- Concept Before Practice: Solving questions without understanding the concept won’t help. Build clarity first, then practice.
- Join a Crash or Capsule Course (Optional): If you find self-study difficult, you can refer to various online platforms for guided concept revision and mock practice.
- Keep It Consistent: Even if you study just 1 hour on weekdays and 3 hours on weekends, do it every single day.
FAQs
1–1.5 hours of focused daily study is sufficient.
Yes, with consistent daily study and proper practice, scoring 60+ is possible.
Start with concepts first, then move to practice questions.
No, short notes, concept videos, and practice questions are enough.
Yes, dedicating 1–1.5 hours daily and following the structured plan works perfectly.
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Hi, I’m Aditi. I work as a Content Writer at Oliveboard, where I have been simplifying exam-related content for the past 4 years. I create clear and easy-to-understand guides for JAIIB, CAIIB, and UGC exams. My work includes breaking down notifications, admit cards, and exam updates, as well as preparing study plans and subject-wise strategies.
My goal is to support working professionals in managing their exam preparation alongside a full-time job and to help them achieve career growth in the banking sector.