JAIIB Notification: The Indian Institute of Banking and Finance conducts the JAIIB exam twice a year to help banking professionals enhance their careers and receive salary benefits. The May 2025 JAIIB exam has already been completed, and the registration for the November 2025 cycle is going to start from August 2025.
In this blog, we will provide all the important details about JAIIB 2025 including exam dates, eligibility, syllabus, registration process, and fees to help you prepare better and become a JAIIB-certified professional.
What is the JAIIB Exam?
The Indian Institute of Banking and Finance conducts the Junior Associate of the Indian Institute of Bankers exam, a flagship certification that allows professionals working in banks or financial institutions to enhance their knowledge. The exam aims to improve foundational understanding of the financial sector's role in the economy, various banking and financial services, accounting and financial management, aspects of retail banking, wealth management, digital banking products, banking technology, and customer relations skills essential for day-to-day banking operations.
When will the JAIIB Notification 2025 be released?
The JAIIB Notification 2025 has already been released, and the examination for the May–June cycle has been conducted. For the upcoming exam cycle, registration for the JAIIB November 2025 exam will begin on 1st August 2025 and will continue until 21st August 2025.
From When will the JAIIB Registration Process for the November Cycle Start?
The JAIIB registration process for the November cycle examination has started and will continue until 7th August with the normal exam fee. Professionals will also be able to fill out the application form from 8th to 21st August 2025, but in that case, candidates will have to pay an additional late fee.
JAIIB Exam 2025 Overview
The important details related to the JAIIB 2025 examination are as follows:
| Particulars | Details |
|---|
| Exam Name | JAIIB (Junior Associate of the Indian Institute of Bankers) |
| Conducting Body | Indian Institute of Banking & Finance (IIBF) |
| JAIIB Eligibility | Banking professionals, Members of IIBF |
| JAIIB Exam Date & Registration Dates | Announced |
| Mode of JAIIB Exam | Online |
| JAIIB Subjects | 1. Indian Economy & Indian Financial System (IE & IFS)
2. Principles & Practices of Banking (PPB)
3. Accounting & Financial Management for Bankers (AFM)
4. Retail Banking & Wealth Management (RBWM) |
| JAIIB Exam Pattern | Multiple choice questions (MCQs) |
| Official Website | IIBF |
What are the Important Dates for JAIIB 2025?
The important dates for the JAIIB November 2025 cycle include both the registration and examination schedule. The registration process for the JAIIB November cycle has begun and will remain open until 21st August 2025. The exam is scheduled to be conducted between 2nd and 16th November 2025. Further details related to the JAIIB 2025 exam are as follows:
| Event | Dates (November) |
|---|
| JAIIB Application Start Date | 1st August 2025 |
| JAIIB Application End Date | 21st August 2025 |
| JAIIB Exam Date | 2nd, 8th, 9th and 16th November 2025 |
JAIIB Eligibility 2025
To be eligible for the JAIIB Exam 2025, candidates must meet the complete JAIIB eligibility criteria. The details of the JAIIB eligibility criteria are as follows:
| Category | Eligibility Details |
|---|
| 1. Membership Requirement | Only ordinary members of IIBF are eligible. Must be working in banking or financial sector whose employer is an Institutional Member of IIBF. |
| 2. Educational Qualification | Must have passed 12th standard (10+2) or equivalent in any discipline. |
| 3. Clerical/Supervisory Staff | Even if not 12th pass, clerical/supervisory staff may be allowed on the recommendation of the Manager or Officer-in-Charge of the bank where they work. |
| 4. Subordinate Staff | Must be working in recognized banking/financial institutions in India, be an IIBF member, and have passed the 12th standard or its equivalent. |
Attempt JAIIB Previous Year Papers
What is IIBF Membership and Is It Important to Appear for the JAIIB and CAIIB Exam?
IIBF Membership simply means officially registering yourself with the Indian Institute of Banking & Finance the body that conducts banking and finance exams like JAIIB and CAIIB. For most bankers, this involves getting an Ordinary Life Membership, which is given only to employees working in recognized banks or financial institutions that are already registered with IIBF as Institutional Members.
- Type: One-time Ordinary Life Membership for bank/financial institution employees.
- Eligibility: You must be employed in a bank or financial institution that is an Institutional Member of IIBF (e.g., RBI, SBI, nationalized/private sector banks, co-operative banks, etc.).
- Fee: ₹1,770 (₹1,500 membership fee + ₹270 GST).
- Application Process: Online via the IIBF website with scanned photo, signature, employer ID proof, Aadhaar number, contact details, and payment.
- Membership ID: After verification (up to 45 days), you receive a Membership Number and a downloadable soft ID card.
Yes, IIBF Life Membership is mandatory to appear for both the JAIIB (Junior Associate of IIBF) and CAIIB (Certified Associate of IIBF) examinations. Without a valid membership number, bankers cannot register for the JAIIB and CAIIB exams.
Attempt FREE JAIIB Mock Test
IIBF Membership Renewal
The Indian Institute of Banking & Finance offers Life Membership, which is mandatory for availing the Institute's services, including registration for flagship exams like JAIIB and CAIIB. Only old members enrolled prior to 1999 who are not Life Members are eligible for renewal. Members enrolled from the year 2000 onwards are already Life Members and do not require renewal.
Not Eligible for Renewal:
- Existing Ordinary Life Members
- DB&F (Diploma in Banking & Finance) candidates
- Candidates registered under the Non-Member category for various examinations
IIBF Membership Renewal Application Process
The details of the IIBF membership renewal application process are as follows:
- Confirm Eligibility - Send an email to any of the IIBF offices (details below) to verify your eligibility for renewal.
- Apply Online - Renewal applications can only be submitted through the online portal.
How to Fill Out the Application Form for JAIIB?
The JAIIB application process involves two steps for first-time applicants: registration and application form submission. However, candidates who have already registered only need to fill out the application form. To do so, aspirants must first visit the IIBF website, log in using their registration number, fill out the application form, and pay the application fee to complete the process.
The details of the JAIIB registration and application process are as follows:
How to register for IIBF?
Before applying for JAIIB, candidates must be registered members of IIBF. To register, aspirants must first visit the IIBF website, go to the Membership section, choose the appropriate membership type, fill in their personal details, and pay the required membership fee. The step-by-step detailed registration process is as follows:
| Action | Details |
|---|
| Visit IIBF Website | Go to the official website at www.iibf.org.in |
| Apply for Membership | Navigate to ‘Membership then Apply for Membership' |
| Select Membership Type | Choose Ordinary Membership (for bankers) or Student Membership |
| Fill Application Form | Enter personal, educational, and employment details |
| Upload Documents | Upload photograph, signature, and ID/employment proof |
| Pay Membership Fee | Use net banking, UPI, or card to complete payment |
| Receive Membership No. | Membership number and login details are sent via email/SMS |
IIBF Membership Fees
Aspirants interested in appearing for the JAIIB and CAIIB examinations must opt for the IIBF lifetime membership. The details of the IIBF lifetime membership fees are as follows:
| Particulars | Amount (₹) |
|---|
| Membership Fee | 1,500/- |
| GST @ 18% | 270/- |
| Total (One-time Ordinary Life Membership) | 1,770/- |
JAIIB Exam Application Process
Once you have your membership number, follow the steps below to apply for the JAIIB November 2025 exam:
| Action | Details |
|---|
| Visit IIBF Website | Go to the official website at www.iibf.org.in |
| Login | Use your membership number and password to log in |
| Go to Apply Online | Click on ‘Examinations/Courses then Apply Online' |
| Select Exam | Choose JAIIB from the list of available courses |
| Choose Exam Centre | Select your preferred exam centre or mode (if applicable) |
| Confirm Details | Fill in all required exam and personal information |
| Pay Exam Fee | Make payment via debit card, credit card, UPI, or net banking |
| Download Confirmation | Save the transaction slip and confirmation for records |
What is the Fee for JAIIB Application 2025?
To apply for the JAIIB 2025 Examination, candidates must be registered members of the Indian Institute of Banking & Finance (IIBF). The application fee varies depending on the number of attempts and the registration period (normal or late), ranging from ₹1,300 + GST to ₹4,000 + GST. The detailed fee structure is as follows:
JAIIB 2025 Registration Dates & Late Fees
The details of the IIBF JAIIB Registration Fees details are as follows:
| Registration Window | Applicable Fee |
|---|
| 01 August – 07 August 2025 | Normal Examination Fee |
| 08 August – 14 August 2025 | Normal Fee + ₹100 Late Fee |
| 15 August – 21 August 2025 | Normal Fee + ₹200 Late Fee |
JAIIB Exam Fee Based on Attempts
The details of the JAIIB Examination Fees are as follows:
| Attempt | Fee (₹) |
|---|
| First Attempt | ₹4,000 + GST |
| Second Attempt | ₹1,300 + GST |
| Third Attempt | ₹1,300 + GST |
| Fourth Attempt | ₹1,300 + GST |
| Fifth Attempt | ₹1,300 + GST |
JAIIB Notification 2025 Exam Structure
The JAIIB Notification 2025 consists of the exam structure. Generally, the exam consists of the following:
| Component | Details |
|---|
| Mode of Exam | Online |
| Duration | 2 hours for each paper |
| Number of Papers | 4 Papers Paper I: Indian Economy & Financial System Paper II: Accounting & Financial Management of Banking Paper III: Principles & Practices of Banking Paper IV: Retail Banking & Wealth Management |
| Type of Questions | Multiple Choice Questions (MCQs) |
| Number of Questions | 100 per paper |
| Total Marks | 100 marks for each paper |
| Negative Marking | There will be no negative marking for wrong answers. |
| Medium of exam | Candidates can choose to take the exam in either Hindi or English. The language preference must be selected at the time of registration. Change of medium is not allowed after registration. |
JAIIB Exam Pattern 2025
The details of the JAIIB Exam Pattern are as follows:
| Subjects | No. of Questions | Total Marks | Duration |
|---|
| Indian Economy & Indian Financial System | 100 | 100 | 2 hours |
| Principles & Practices of Banking | 100 | 100 | 2 hours |
| Accounting and Financial Management for Bankers | 100 | 100 | 2 hours |
| Retail Banking & Wealth Management | 100 | 100 | 2 hours |
JAIIB Syllabus 2025
The JAIIB exam consists of four papers, with each paper divided into four comprehensive modules. Below is the detailed JAIIB Syllabus for each paper:
| Papers | Topics Covered |
|---|
| Indian Economy & Indian Financial System | Module A: Indian Economic Architecture
Module B: Economic Concepts Related to Banking
Module C: Indian Financial Architecture
Module D: Financial Products and Services |
| Principles & Practices of Banking | Module A: General Banking Operations
Module B: Functions of Banks
Module C: Banking Technology
Module D: Ethics in Banks and Financial Institutions |
| Accounting & Financial Management for Bankers | Module A: Accounting Principles and Processes
Module B: Financial Statements and Core Banking Systems
Module C: Financial Management
Module D: Taxation and Fundamentals of Costing |
| Retail Banking & Wealth Management | Module A: Introduction to Retail Banking
Module B: Retail Products and Recovery
Module C: Support Services – Marketing of Banking Services/Products
Module D: Wealth Management |
Download JAIIB 1200+ Important Questions for Nov 2025
JAIIB Salary Increment
Clearing the JAIIB Examination not only enhances your banking knowledge but also brings significant monetary benefits. The table below provides an approximate breakdown of the salary increment received by Probationary Officers and Clerks after qualifying JAIIB and CAIIB, as per industry standards.
| Characteristic | Probationary Officer | Clerk |
|---|
| JAIIB Increment (Approx.) | ₹2,000 | ₹1,340 |
| CAIIB Increment (Approx.) | ₹4,000 | ₹2,680 |
| Total Monthly Increment (Approx.) | ₹6,000 | ₹4,020 |
| Annual Increment (Approx.) | ₹72,000 | ₹48,240 |
How to Prepare for JAIIB 2025?
Preparing for JAIIB Exam 2025 requires a strategic approach, a clear understanding of the syllabus, and consistent practice to crack all papers with confidence. Here are some tips to help you:
- Leverage YouTube Lectures: Use free platforms like Oliveboard's YouTube channel for topic-wise video explanations.
- Make Short Notes: Create concise, handwritten notes during lectures for quick revision and better retention.
- Master Concepts First: Focus on building a strong conceptual foundation before jumping into questions.
- Review Previous Year Questions (PYQs): Analyze memory-based questions to understand exam trends and difficulty levels.
- Attempt Regular Mock Tests: Improve your speed, accuracy, and familiarity with the JAIIB exam format through timed practice.
- Adopt a Smart Study Strategy: Prioritize clearing the exam efficiently over aiming for high scores—study strategically.
- Use Chapter-Wise Question Banks: Practice from relevant books with chapter-wise question sets to reinforce learning.
- Combine Video Learning with Books: After watching lectures, refer to standard books for deeper insights and clarification.
- Refer to Topic Summaries: Use chapter overviews or summary videos to simplify complex topics.
- Stay Consistent & Positive: Maintain a disciplined study routine, stay confident, and focus on progress not just results.
When will the JAIIB 2025 Admit Card Released?
The JAIIB admit card is released by the IIBF. As per the notification, the JAIIB admit card will be released 10 to 15 days before the exam. Since the JAIIB November exam is scheduled to begin on 2nd November 2025, the admit card is expected to be released by 22nd October 2025.
Steps to Download JAIIB Admit Card
Here are the simple steps to download your JAIIB Admit Card 2025
- Visit the official IIBF website.
- Log in with your registered Member Number and Password.
- Navigate to the "Download Admit Card" section.
- Select the correct exam session.
- Review the details on the admit card.
- Click "Download" to save the admit card.
- Print the admit card for exam day.
- Check for errors and contact IIBF if necessary.
JAIIB 2025 Result
After the exam, IIBF will announce the JAIIB 2025 results on their official website. Candidates can check their scores by logging into their accounts. The result will display marks obtained in each paper as well as the overall performance.
Explore JAIIB Courses
