JAIIB Important Topics for IE & IFS, PPB, AFM, and RBWM 2025

JAIIB Important Topics

JAIIB Important Topics: 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 Exam Syllabus

The JAIIB syllabus is as prescribed by IIBF. It has been recently updated to reflect and adapt to the changing skills requirements among banking professionals. Each of the papers is further divided into 4 modules, the details of which are presented below in a tabular format.

ModulePaper I-
Indian Economy &
Indian Financial
System
Paper II-
Principles & Practices of
Banking
Paper III-
Accounting & Financial Management for
Bankers
Paper IV-
Retail Banking & Wealth Management
AIndian Economic
Architecture
General
Banking Operations
Accounting Principles
and Processes
Introduction to Retail
Banking
BEconomic Concepts Related to BankingFunctions of BanksFinancial Statements
and Core Banking Systems
Retails Products and
Recovery
CIndian Financial
Architecture
Banking TechnologyFinancial ManagementSupport Services – Marketing of Banking Services / Products
DFinancial Products
and Services
Ethics in Banks and Financial InstitutionsTaxation and Fundamentals of
Costing
Wealth Management

JAIIB IE & IFS Important Topics 2025

This subject focuses on the economic environment and the financial system in India. Key topics include:

Economic Environment:

  • Basics of Microeconomics and Macroeconomics
  • Inflation, Deflation, and Stagflation
  • Role of Monetary and Fiscal Policy
  • National Income and Related Concepts

Indian Financial System:

  • Structure and Functions of RBI
  • Financial Markets (Money Market, Capital Market)
  • Payment and Settlement Systems
  • Financial Inclusion and Digital Banking

Additional Topics:

  • Role of NITI Aayog
  • Public Finance (Budgeting and Taxation)
  • International Economic Institutions (IMF, World Bank, WTO)

Core Economy

These are the topics about the basic economic concepts and data that are necessary for the JAIIB exam.

TopicMarks
An Overview of the Indian Economy2 marks
Sectors of the Indian Economy2-3 marks
Economic Planning in India and NITI Aayog2 marks
Infrastructure including social infrastructure2 marks
Globalization – Impact on India2 marks
Economic Reforms2 marks
Foreign Trade Policy, Foreign Investments, and Economic Development3 marks
International Economic Organisations (World Bank, IMF, etc.)
Climate change and Sustainable Development Goals (SDGs)2 marks
Issues faced by the Indian Economy3 marks
Total Marks18 marks

Economic Concepts

These are more specific to Paper 1, ie. IE & IFS. However, these are straightforward and will not take much time to learn.

TopicMarks
Fundamentals of Economics, microeconomics, macroeconomics, and Types of Economies2 marks
Supply and demand2 marks
Money supply and inflation2 marks
Theories of interest
Business cycle2 marks
Monetary policy and fiscal policy1-2 marks
System of National Accounts and GDP Concepts1-2 marks
Union Budget1-2 marks
Indian Financial System – An Overview2 marks
Indian Banking Structure2 marks
Banking Laws – Reserve Bank of India Act, 1934, and Banking Regulation Act 19494 marks
Total Marks19 marks

By covering these topics, you will be prepared for questions worth 19 marks.

Miscellaneous Topics

These are topics to cover once you have covered the abovementioned topics. These contain some higher-level topics that you may skip if you cannot cover them properly.

TopicMarks
Financial Markets1-2 marks
Money Markets2 marks
Capital Markets and Stock Exchanges2 marks
Fixed Income Markets – Debt and Bond Markets3 marks
Foreign Exchange Markets – FEMA3 marks (Priority)
Interconnectedness and Market Dynamics3-5 marks (Priority)
Merchant Banking Services2-3 marks
Total Marks20 marks

Topics Common with PPB

Certain topics are included in IE & IFS and in PPB. These topics will be covered in the PPB section below.

  • NPCI Product
  • Alternate
  • e-Rupee
  • NPS/SHG
  • PMJDY, APY
  • Mudra Scheme
  • Suraksha Bhima Yojana, Jeevan Jyoti Bhima Yojna

JAIIB PPB Important Topics 2025

The Principles and Practices of Banking paper focuses on the functioning of banks and their relationship with customers.

Banking Operations:

  • Types of Accounts (Savings, Current, Term Deposits)
  • KYC Norms and Anti-Money Laundering (AML)
  • Credit Management (Types of Loans, Priority Sector Lending)
  • Basics of Risk Management

Banking Technology:

  • Core Banking Solutions
  • E-Banking and Payment Systems (NEFT, RTGS, UPI)
  • Cybersecurity in Banking

Legal Framework:

  • Important Banking Laws (RBI Act, Banking Regulation Act)
  • SARFAESI Act and DRT
  • Ombudsman Scheme

Next, we come to the topics you need to cover to secure the second paper of JAIIB, Principles and Practices of Banking. These are listed below with the number of marks they can earn you.

TopicMarks
Banker-Customer Relationship2 marks
Operational Aspects of KYC2-3 marks
The Right to Information Act, 20052 marks
Operational Aspects of Deposit Accounts2-3 marks
Banker’s Special Relationship2-3 marks
Financial Inclusion and Financial Literacy3 marks
Grievance Redressal and RBI Integrated Ombudsman Scheme 20212 marks
Types of Collaterals and their Characteristics2-3 marks
Different modes of Charging securities2-3 marks
Non-performing Assets/Stressed Assets3 marks
Important Laws Relating to Recovery of Dues3 marks
Priority Sector Advances2-3 marks
Micro, Small, and Medium Enterprises in India1 mark
Government Sponsored Schemes3 marks
Self-Help Groups2 marks
Essentials of Bank Computerisation2 marks
Operational Aspects of CBS Environment2 marks
Alternative Delivery Channels – Digital Banking3 marks
Data Communication Network and EFT Systems3 marks
Digital Payment Systems – NPCI3 marks
Impact of Technology Adoption and Trends in Banking Technology3 marks
Security Considerations and Mitigation Measures in Banks3 marks
Operational Aspects of Cyber Crimes/ Fraud Risk Management in Cyber Tech3 marks
Technology trends in Banking, e-RUPI, Fintech, etc.2-3 marks

A few more topics that would give you a solid edge over the cut-off:

  • Negotiable Instruments Act 1881, Sections – 181, 85, 83, etc. – 5 marks

With this, you’ll be able to get almost 63 marks.

JAIIB AFM Most Important Topics 2025

Accounting and Financial Management for Bankers focuses on financial statements, accounting principles, and financial decision-making.

Accounting Basics:

  • Journal Entries, Ledger, and Trial Balance
  • Bank Reconciliation Statement
  • Depreciation Accounting
  • Ratio Analysis

Financial Management:

  • Time Value of Money
  • Capital Budgeting and Cost of Capital
  • Working Capital Management
  • Risk and Return Analysis

Other Important Topics:

TopicMarks
Bank Reconciliation Statement3 marks
Accounting Concepts2 marks
– Business Entity
– Money measurement
– Going concern
– Accounting period
– Objectivity
– Materiality
– Conservatism
– Consistency
– Full disclosure
– Matching
– Revenue recognition
– Dual aspect
– Cost concept
Rectification of errors2 marks
– Before trial balance
– After trial balance before final accounts
– After final accounts (next period)
Audit3 marks
Depreciation3 marks
Balance Sheet formula3 marks
– Total assets = total shareholder’s equity + total liabilities
Corporate accounting3-4 marks
Cash flow statement3-4 marks
Accounts of Banking Companies3-4 marks
Ratio analysis3-4 marks
Yield to maturity4 marks
Forex trading2-3 marks
Cost of capital4 marks
– Cost of equity = risk-free rate x β + risk premium
– Debt cost = average debt x tax shield
Capital budgeting4 marks
Operating cycle (Raw material procurement -> Work in progress -> Finished Goods -> Receivables -> Cash)2 marks
Income tax5 marks
GST5 marks
Marginal costing6-8 marks
Standard cost3-4 marks
Zero-based budgeting2 marks

Just covering these topics thoroughly will get you over 70 marks. So make sure you don’t leave any of these important topics out.

JAIIB RBWM Important Topics 2025

The fourth paper, Retail Banking and Wealth Management is a more recent addition to the JAIIB syllabus, introduced in the JAIIB June 2023 cycle. Based on the June and October 2023 cycles, we have compiled these topics as the important ones you need to cover to achieve at least 50 marks.

  • Module A
    • 1: Retain Banking Introduction – 1 to 2 marks
    • 2: Retail Banking Role within the Bank Operations – 2 to 4 marks
    • 3: Applicability of Retail Banking Concepts and Distinction between Retail and Corporate/Wholesale Banking – 2 to 3 marks
    • 4: Branch Profitability – 2 to 3 marks
  • Module B
    • 5: Customer requirements
    • 6: Product Development process
    • 7: Credit scoring
    • 8: Important retail liability products
    • 9: Important retail asset products
    • 10: Credit and debit cards
    • 11: Remittance products
    • 14: Recovery of retail loans
    • 16: Securitization
  • Module C
    • 18: Delivery Channels in Retail Banking
    • 19: Delivery Models
    • 21: Service Standards for Retail Banking
  • Module D
    • 23: Importance of Wealth Management
    • 24: Investment Management
    • 25: Tax Planning
  • Module E – Additional reading material on Home Loans, important for case study
    • 27: Lender’s Appraisal Procedure
    • 28: Housing Finance and Tax Planning
    • 29: Mortgage Advice
    • 30: Valuation of Real Property

Total number of units to cover in RBWM = 22. Covering these units and their MCQs with take you over 70 marks.

Importance of Important Topics

Understanding the important topics for JAIIB is important for aspirants looking to succeed in the 2025 exam.

  1. Focusing on important topics in JAIIB helps streamline preparation, making it more efficient.
  2. Mastering key topics boosts exam confidence and reduces anxiety.
  3. Understanding high-yield topics ensures effective time management during the exam.
  4. Prioritizing important areas enhances conceptual clarity and problem-solving skills.
  5. Regular practice on critical topics improves accuracy in answering questions.
  6. Key topics make revision focused, ensuring efficient coverage before the exam.
  7. Emphasizing practical application and current affairs boosts performance in relevant sections.
  8. Focusing on important topics ensures thorough preparation and maximizes exam success chances.

JAIIB Study Material Compilation

TopicsLinks
Principles And Practices Of Banking Principles And Practices Of Banking | Study Notes For JAIIB
Reserve Bank of IndiaReserve Bank of India: Organisation & Functions
Types Of Shares And Their IssueTypes Of Shares And Their Issue- Types, Classification, Bonus Shares
Understanding The Balance Sheet And Its FormatUnderstanding The Balance Sheets And It’s Format
Accounting And Finance For BankersAccounting And Finance For Bankers | Study Notes For JAIIB
Assets & Liabilities Assets & Liabilities – Meaning, Legal Requirements and more
Public Sector Banks And Cooperative BanksPublic Sector Banks And Cooperative Banks | JAIIB Study Notes
Calculation of Interest and AnnuitiesCalculation of Interest and Annuities-Business Mathematics For JAIIB
Calculation of YTMCalculation of YTM (Yield to Maturity)-Basics of Business Mathematics
Consumer Protection ActConsumer Protection Act COPRA
Risk and Basic Risk Management FrameworkRisk and Basic Risk Management Framework JAIIB
Risks in Banking BusinessRisk in Banking Business
Functions of BankFunctions of Bank – Short Notes for JAIIB Exam | Oliveboard
Consumer Protection Act– COPRAConsumer Protection Act– COPRA for JAIIB I Oliveboard
Banking Ombudsman Scheme Banking Ombudsman Scheme for JAIIB I Oliveboard
Essentials of Bank ComputerizationEssentials of Bank Computerization for JAIIB I Oliveboard
Payments and Collecting ChequesPayment and Collection of Cheques and Other Negotiable Instruments for JAIIB I Oliveboard
Data Communication NetworkData Communication Network and EFT Systems for JAIIB I Oliveboard
Technology Upgradation and its impactRole of Technology Upgradation and its Impact on Banks JAIIB I Oliveboard
Foreign Exchange ArithmeticForeign Exchange Arithmetic Free Ebook for JAIIB I Oliveboard
Indian Financial System- OverviewIndian Financial System- Overview for JAIIB I Oliveboard
Security Considerations Security Considerations: IT Security & IT Audit for JAIIB I Oliveboard  
Capital Budgeting Capital Budgeting: Features, Methods and Process For JAIIB I Oliveboard
Depreciation and its accountingDepreciation and Its Accounting for JAIIB I Oliveboard
Functions of Bank Functions of Bank- Relationships, Norms & Others
Bankers’ Special RelationshipBankers’ Special Relationship for JAIIB I Oliveboard


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