The JAIIB 2026 exam notice has been released, and the May 2026 cycle exam will start on 3rd May 2026. Professionals interested in appearing for the upcoming exam must go through the JAIIB November cycle PDF to understand the key topics and questions that were asked in the last exam.
JAIIB November 2025 Question Paper, Download PDF
Candidates can download the IIBF JAIIB previous year question papers for the November 2025 cycle through the direct link provided below and take their JAIIB 2026 exam preparation to the next level.
| Exam Date | JAIIB Papers | Link to Download |
| 2025: 2nd November 2026: 3rd May | JAIIB May IE and IFS Paper November 2025 | Download PDF |
| 2025: 8th November 2026: 9th May | JAIIB May PPB Paper November 2025 | Download PDF |
| 2025: 9th November 2026: 10th May | JAIIB May AFM Paper November 2025 | Download PDF |
| 2025: 16th November 2026: 17th May | JAIIB May RBWM Paper November 2025 | Download PDF |
What were the type of questions asked in the last JAIIB IE and IFS November cycle exam?
The November 2025 JAIIB IE & IFS exams was moderate to tough in difficulty and showed a shift toward scenario-based and applied questions. Around 70–80% of the questions came from Module C and Module D, covering banking operations, financial markets, government schemes, microfinance, taxation, and regulatory updates. Numericals were few but practical, while recent initiatives and schemes were given more weight. Candidates with strong conceptual clarity, awareness of current policies, and practice with applied reasoning could attempt most questions confidently.
- Module focus: Most questions came from Module C & D, covering financial institutions, financial markets, and government schemes, while other modules had minimal representation.
- Question types: The exam included direct conceptual, scenario-based, multi-statement, match-the-column, analytical reasoning, and a few practical numericals, with scenario-based and multi-statement questions dominating.
- Policy and schemes: There was a higher emphasis on recent government initiatives and regulatory updates, including PM Vishwakarma Scheme, Make in India pillars, PSL targets, and INVIT taxation rules.
- Applied reasoning & scenarios: Questions tested real-life banking operations, such as MSME finance, trade finance, FX retail platforms, and NBFC types and functions.
- Numericals: Only a few appeared, but they were practical and scenario-based, such as calculating fiscal deficit, primary dealer borrowing limits, and G-Sec pricing.
- Overall difficulty: The paper was moderate to tough, with a mix of direct, tricky, and applied questions; candidates strong in Module C & D concepts, government schemes, and applied reasoning found it manageable.
What were the type of questions asked in the last JAIIB PPB November cycle exam?
The November JAIIB PPB exam was moderate to tough in difficulty, with a heavy focus on practical application and case-based scenarios. Around 60–70% of the questions came from the core banking operations and financial regulations sections, emphasizing real-world banking applications. The exam included a balanced mix of conceptual, theoretical, and numerical questions, with scenario-based questions requiring deeper analysis. While the numericals were few, they were challenging and required precision, especially in working capital and stock-related calculations. Candidates who were well-versed with banking concepts, financial calculations, and had a thorough understanding of current banking regulations found the exam manageable but time-consuming.
- Module focus: Majority of questions were based on banking operations, financial regulations, NPA concepts, and government schemes, with minimal questions from other modules.
- Question types: The exam consisted of conceptual, case study-based, numerical, and theoretical questions, with case studies and scenario-based questions dominating.
- Policy and schemes: The exam included questions on recent regulations, banking schemes, and financial policies, such as PMEGP, equity mortgage, and various trade finance schemes.
- Applied reasoning & scenarios: Many questions tested the practical application of banking operations and concepts, such as working capital management, NPA provisions, and customer relations in banking.
- Numericals: Only a few numerical questions appeared, mostly based on working capital, stock calculations, and average stock periods, requiring accurate financial analysis.
- Overall difficulty: The paper was moderate to tough, with a good mix of practical and theoretical questions. Candidates who had a solid understanding of banking operations and current regulations were able to navigate the exam, though time management was key.
What were the type of questions asked in the last JAIIB AFM November cycle exam?
The JAIIB AFM November exam primarily focused on conceptual understanding and application of financial management principles, with a mix of theoretical and numerical questions. The exam featured a significant number of one-liner questions, testing key topics across various areas. Candidates with strong foundational knowledge of accounting principles found the exam moderate in difficulty, while those with limited preparation faced more challenges.
- Accounting Standards (AS): AS 2 (Valuation of Inventories), AS 9 (Revenue Recognition), AS 16 (Borrowing Costs), AS 19 (Leases), AS 26 (Intangible Assets)
- Costing Techniques: Process Costing (application in chemical businesses, normal loss absorption), Job Costing (used in machine construction, aircraft), Marginal vs. Absorption Costing (impact on stock and profit), Break-Even Point (uses in decision-making, loan funding, incentive planning)
- Budgeting: Zero-Base Budgeting (evaluation of each item from scratch), Functional Budgets (sales, production-related budgets)
- Financial Ratios and Math: Ratios (Current Ratio, Debtor Collection Period), Annuity and EMI (calculations of Future Value of Annuities, EMI), Cost of Capital (WACC calculation)
- Banking and Forex: Schedules (Schedule 10 for assets, Schedule 18 for Notes to Accounts), Tandon Committee (methods of calculating working capital), Forex (terminology, cross rates, Forward Points calculation)
- Company Law and Taxation: Types of Companies (Statutory and Dormant), Shares (Section 43 on non-voting rights, Section 52 on Security Premium), Taxation (Sections 80C, 80D, GST penalties)
- Accounting Basics: Journal Entries (real and personal accounts, Bill of Exchange discounting, adjustments like prepaid rent), Accounting Cycle (stages from Journal to Financial Statements), Errors (Error of Commission, Error of Principle)
What were the type of questions asked in the last JAIIB RBWM November cycle exam?
The JAIIB RBWM November exam consisted of concept-based questions that tested the candidates’ understanding of retail banking operations, financial products, and regulations. The exam had a moderate to high difficulty level, focusing on the practical application of theoretical knowledge. The types of questions asked in the exam are as follows:
- Banking Accounts and Operations: Questions related to the operation of different types of accounts (e.g., minor accounts, accounts for blind or specially-abled persons), and handling dormant accounts.
- Social Security and Insurance Schemes: Questions on government schemes like PMJJBY and PMSBY, including details such as premiums, age limits, coverage, and waiting periods.
- Housing Loans and PMAY: Questions on housing loan subsidies for various income groups under PMAY, along with eligibility criteria, LTV ratios, and property details.
- Asset Classification (NPA) and Recovery: Questions on loan classifications like SMA 0, SMA 1, and SMA 2, the process of declaring loans as NPA, and recovery measures under the SARFAESI Act.
- Financial Mathematics and Ratios: Questions on financial formulas, such as the Rule of 72, net profit margin, capital gains indexation, and TDS rates for senior citizens.
- Management and Marketing Concepts: Questions on concepts like Maslow’s Hierarchy of Needs, the 4Ps and 7Ps of marketing, and business models in retail banking.
FAQs
The JAIIB 2026 May cycle exam will start on 3rd May 2026.
You can download all November 2025 JAIIB papers via the direct links provided in the blog above.
It was moderate to tough, with scenario-based and applied questions dominating.
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