The Junior Associate of Indian Institute of Bankers (JAIIB) exam is an essential certification for banking professionals in India. It helps bankers enhance their knowledge and improve career prospects. Preparing for the JAIIB exam requires a clear understanding of the syllabus and focus on important topics.
In this article, we will cover the JAIIB Important Topics for each subject such as Indian Economy & Indian Financial System (IE & IFS), Principles and Practices of Banking (PPB), Accounting and Financial Management for Bankers (AFM), and Retail Banking and Wealth Management (RBWM).
JAIIB Subject Wise Important Topic
Some of the most important topic from which questions were being asked in almost every JAIIB exam are as follows:
| Paper | Important Topics |
| AFM | 1. Accounting Concept 2. Bank Reconciliation 3. Rectification of Errors 4. How to Maintain Company Accounts 5. Cash Flow Statement 6. Annuity 7. Bond Valuation 8. Cost of Capital 9. Capital Budgeting 10. Tax 11. Cost of Accounting Method 12. Marginal Costing |
| PPB | 1. KYC and AML Norms 2. Priority Sector Lending 3. Lending Principles and Loan Products 4. Digital Banking and Payment Systems 5. Banker–Customer Relationship 6. Ethics in Banking 7. Negotiable Instruments Act 8. Non-Performing Assets |
| RBWM | • Retail Banking: Introduction • Branch Profitability • Application of Retail Banking • 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 • Delivery Channels in Retail Banking • Delivery Models • Service Standards for Retail Banking • Wealth Management • Investment Management • Tax Planning • Lender’s Appraisal Procedure (Theory) • Housing Finance & Tax Planning (Theory) • Mortgage Advice (Numerical) • Valuation of Real Property (Theory + Numerical) • Lender’s Appraisal Procedure (Theory) • Housing Finance & Tax Planning (Theory) • Mortgage Advice (Numerical) • Valuation of Real Property (Theory + Numerical) |
| IE & IFS | 1. Overview of the Indian Economy 2. Economic Planning and Reforms 3. The Indian Financial System 4. The Indian Banking System 5. Money Market 6. Capital Market 7. Priority Sector Lending and Financial Inclusion 8. Foreign Trade and Government Schemes |
| JAIIB Important Topics | JAIIB Important Topics |
| JAIIB IE And IFS Essential Topics | JAIIB AFM Important Topics |
| JAIIB RBWM Important Topics | JAIIB PPB Important Topics |
JAIIB Module-Wise Weightage for AFM, PPB, IE & IFS, and RBWM
The details of the JAIIB module-wise weightage for the 4 papers are as follows:
Paper I – Indian Economy & Indian Financial System
The module-wise weightage of the IE and IFS paper is as follows:
| Module | Topics | Weightage (Approx.) |
| A | Indian Economic Architecture | 17-25 |
| B | Economic Concepts Related to Banking | 15-20 |
| C | Indian Financial Architecture | 10-15 |
| D | Financial Products and Services | 40-50 |
Paper II – Principles & Practices of Banking
The module wise weightage of the PPB paper are as follows:
| Module | Topics | Weightage (Approx.) |
| A | General Banking Operations | 25-35 |
| B | Functions of Banks | 25-35 |
| C | Banking Technology | 15-20 |
| D | Ethics in Banks and Financial Institutions | 15-20 |
Paper III – Accounting & Financial Management for Bankers
The module-wise weightage of the AFM paper is as follows:
| Module | Topics | Weightage (Approx.) |
| A | Accounting Principles and Processes | 20-25 |
| B | Financial Statements and Core Banking Systems | 20-25 |
| C | Financial Management | 25-30 |
| D | Taxation and Fundamentals of Costing | 20-25 |
Paper IV – Retail Banking & Wealth Management
The module-wise weightage of the RBWM paper is as follows:
| Module | Topics | Weightage (Approx.) |
| A | Introduction to Retail Banking | 10-15 |
| B | Retail Products and Recovery | 30-35 |
| C | Support Services – Marketing of Banking Services / Products | 20-25 |
| D | Wealth Management | 20-25 |
| Additional | Study Material Based on Home Loan | 10-15 |
JAIIB IE and IFS Important Topics
The important topics for the IE and IFS papers are as follows:
Chapter-Wise Important Topics for Indian Economy
The Indian Economy (IE) paper tests your knowledge of India’s economic structure, key indicators, reforms, and government schemes. Details of the important topics from the Indian Economy are as follows:
| Chapter | Topics to Focus |
| 1. Overview of Indian Economy | – Primary, Secondary, and Tertiary Sectors – Sunrise Sectors (Renewable Energy, Fintech, Biotechnology) – Sectoral contribution to GDP and employment – Basic understanding of Indian economic structure |
| 2. Economic Growth & Development | – GDP, GNP, NNP, and Per Capita Income- Difference between economic growth and development – Key economic indicators – Development challenges like inflation, unemployment, and income inequality |
| 3. Economic Planning & Reforms | – Five-Year Plans and their sectoral priorities – LPG Reforms – Liberalization, Privatization, Globalization – Policy initiatives by NITI Aayog – National economic policies and their impact on banking |
| 4. Government Schemes & Initiatives | – Pradhan Mantri Jan Dhan Yojana (PMJDY) – Pradhan Mantri Suraksha Bima Yojana (PMSBY) – Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) – Rural Development Schemes- Direct Benefit Transfer (DBT) schemes |
| 5. Foreign Trade & Payments | – Balance of Payments – Current Account & Capital Account – Foreign exchange regulations under FEMA – USD Index and global trade implications – Export-Import policies and their banking relevance |
Chapter-Wise Important Topics for Indian Financial System
The chapter-wise important topics from IFS are as follows:
| Chapter | Topics to Focus |
| 1. Financial System Overview | – Structure of Indian financial system – Components: Banks, NBFCs, DFIs – Financial instruments and their utilization |
| 2. Banking & Regulatory Bodies | – Types of banks – Public, Private, Foreign, Cooperative – Priority Sector Lending & Financial Inclusion Targets – RBI functions: Monetary Policy, Banker to Government, CRR, SLR, Repo & Reverse Repo – SEBI functions: Capital market regulation, Mutual Funds, Investor Protection |
| 3. Insurance & Pension Sector | – IRDAI – Role in regulating insurance sector – PFRDA – Pension Fund Regulatory Authority – Insurance schemes: PMSBY, PMJJBY – Life & Non-Life insurance basics |
| 4. Financial Markets | – Money Market Instruments – Treasury Bills, Commercial Papers, Certificates of Deposit – Capital Market Instruments – Stocks, Bonds, IPOs, Mutual Funds – Uses of these instruments and their banking relevance |
| 5. Government Financial Schemes | – Retail Direct Gilt Scheme (RDG) – Other government investment and welfare schemes – Role in financial inclusion |
Also Check: IE and IFS Study Plan
JAIIB PPB Important Topics
The detailed module-wise important topics for the JAIIB PPB exam, scheduled to be held on 8th November, are as follows:
Module A: KYC & AML Compliance
This module is high-yield and focuses on regulatory compliance and risk management. Questions often come directly from procedures and roles.
| Topic | Description | Approx. Marks |
| Customer Identification Procedure | Steps for verifying customers, documents required | 3–4 |
| Risk Categorization | Classification of customers into low, medium, high risk | 3–4 |
| PMLA Compliance & STR | Reporting suspicious transactions, record-keeping norms | 4–5 |
| Principal Officer & Director Roles | Responsibilities of designated officers in AML | 2–3 |
| Cash Transaction Limits & Due Diligence | Thresholds and reporting requirements | 2–3 |
Module B: Priority Sector Lending & Loans
Covers agriculture, MSME, export, and retail loans. Practical calculations often appear from working capital, cash budget, and term loans.
| Topic | Description | Approx. Marks |
| Agriculture Advances | Direct, Indirect, Crop Loan Mechanism | 3–4 |
| MSME & Export Credit | Credit procedures, documentation | 3–4 |
| Lending Principles | Working capital, turnover method, inventory financing | 4–5 |
| Retail & Term Loans | Auto, personal loans, credit appraisal | 3–4 |
| Non-Fund Based Facilities | Bank guarantees, letters of credit | 2–3 |
Module C: Digital Banking & Payment Systems
Focuses on delivery channels, digital banking operations, and customer experience.
| Topic | Description | Approx. Marks |
| Core Banking & Digital Channels | CBS, internet banking, mobile banking, ATMs | 3–4 |
| Payment Systems | NEFT, RTGS, IMPS, UPI | 3–4 |
| Digital Threats & Mitigation | Cybersecurity, regulatory compliance | 2–3 |
| Digital Transformation | Recent trends & regulatory updates | 2–3 |
Module D: Banker-Customer Relationship & Ethics
Scenario-based questions dominate this module, testing ethics, governance, and regulatory compliance.
| Topic | Description | Approx. Marks |
| Banker-Customer Relationship | Roles: Debtor, Creditor, Trustee, Beneficiary, Agent | 3–4 |
| Duty of Secrecy & Right of Set-Off | Legal rights and obligations | 2–3 |
| Ethics & Governance | Employee ethics, corporate ethics, regulatory compliance | 4–5 |
| Committee Recommendations | Key recommendations by RBI/IRDA/Banks | 2–3 |
Also Check: JAIIB PPB Study Plan
JAIIB AFM Important Topics
Preparing for AFM (Accounts & Finance Management) can feel challenging due to the vast syllabus, but focusing on high-frequency and repeated topics can give you a major advantage.
These topics consistently appear in exams and together cover 30–37 marks. By strategically preparing these, and a few additional subtopics, you can target 50 marks confidently.
Module A: Basics of Accounting
Module A covers the foundational accounting principles that form the backbone of the AFM syllabus. Focusing on these topics ensures that you secure marks with direct questions and case-study-based problems. These topics are repeated in almost every exam and are essential for a strong start.
| Topic | Description | Approx. Marks |
| Accounting Concepts | Core accounting principles; commonly asked in direct questions or case studies. | 2–3 |
| Bank Reconciliation Statement (BRS) | Requires careful practice; recurring in exams; moderately tough but manageable. | 2–3 |
| Rectification of Errors & Depreciation | Frequently repeated topics; need attention to detail for accuracy. | 2–3 |
Module B: Company Accounts
Module B deals with company accounts and cash flow statements. These topics are high-scoring and non-negotiable, often contributing a significant portion of Module B marks. Preparing them thoroughly ensures a solid foundation in corporate accounting.
| Topic | Description | Approx. Marks |
| Company Accounts | Journal entries, accounting cycle, concepts; high-scoring portion of the module. | 5–10 |
| Cash Flow Statement | Covers cash inflows/outflows; essential for exam questions; non-negotiable. | 7–8 |
Module C: Financial Management
Module C is formula-driven and calculation-intensive. Topics in this module are frequently repeated and include both conceptual and numerical questions. Practicing formulas and understanding their derivations will help you secure marks efficiently.
| Topic | Description | Approx. Marks |
| NUT (Numerical Utility Tool) | Formula-driven and calculation-based; minimal effort, consistent marks. | 2 |
| Bond Valuation | Conceptual + numerical questions; includes YTM & duration; recurring topic. | 3 |
| Cost of Capital | Includes equity, debt, preference shares, total cost; important formula-driven topic. | 2–3 |
| Capital Budgeting | Decision-making methods using multiple formulas; unavoidable topic. | 3 |
Module D: Taxation & Cost Accounting
Module D covers taxation and cost accounting, which are high-yield and formula-driven topics. Focusing on the key areas of income tax, GST, and cost accounting methods can easily secure you additional marks.
| Topic | Description | Approx. Marks |
| Income Tax | TDS rates, sections, deductions under Section 80, TCS; frequently asked. | 6 |
| GST | Basic terminology, input tax credit, reverse charge mechanism, registration limits, forms. | 4 |
| Cost Accounting Methods | Selection of method for different businesses and cost computation process. | 5 |
Also Check: JAIIB AFM Study Plan
JAIIB RBWM Important Topics 2025
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 |
Also Check: JAIIB RBWM Study Plan
Importance of Important Topics
Understanding the important topics for JAIIB is important for aspirants looking to succeed in the 2025 exam.
- Focusing on important topics in JAIIB helps streamline preparation, making it more efficient.
- Mastering key topics boosts exam confidence and reduces anxiety.
- Understanding high-yield topics ensures effective time management during the exam.
- Prioritizing important areas enhances conceptual clarity and problem-solving skills.
- Regular practice on critical topics improves accuracy in answering questions.
- Key topics make revision focused, ensuring efficient coverage before the exam.
- Emphasizing practical application and current affairs boosts performance in relevant sections.
- Focusing on important topics ensures thorough preparation and maximizes exam success chances.
JAIIB Study Material Compilation
FAQs
The exam will start on 2nd November 2025 with IE & IFS paper.
Other papers are scheduled on 8th, 9th, and 16th November 2025.
Yes, AFM includes calculations like Bond Valuation, Capital Budgeting, Cost of Capital, and RBWM includes Mortgage Advice, Valuation of Real Property, NUT, and Present/Future Value calculations.
Focus on high-weightage topics, practice numerical questions, revise past year papers, follow a module-wise study plan, and attempt mock tests regularly.
They streamline preparation, boost confidence, improve accuracy, save time, and maximize chances of scoring high marks.
- JAIIB का फुल फॉर्म, उद्देश्य और परीक्षा से जुड़ी जानकारियाँ
- JAIIB IE and IFS Exam Analysis 2025, 2nd November 2025 Detailed Analysis
- JAIIB Exam Analysis 2025, November Cycle, All Shifts Covered
- JAIIB RBWM Exam 2025 Analysis 16th November 2025
- JAIIB AFM Exam Analysis 2025, November All Shifts Review
- JAIIB PPB Exam Analysis 2025, November All Shifts Review
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