JAIIB Notification: The Indian Institute of Banking and Finance conducts the JAIIB exam twice a year. This exam is mainly for working professionals serving in Indian banks or insurance sectors. It allows professionals to gain more knowledge about their work, along with career growth opportunities such as faster promotions and salary increments. Every year, this exam is conducted twice by the IIBF: once in May-June and again in November-December. In this blog, we will provide all the important details about JAIIB 2026, 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.
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What are the paper wise IIBF JAIIB May 2026 exam dates?
Every year, the JAIIB exam is held twice, once in May and once in November. The IIBF JAIIB exam dates for each of the four compulsory papers are expected to be released soon by the Indian Institute of Banking and Finance through their official IIBF website.
| Papers | May Cycle Exam Date | Nov Cycle Exam Date |
|---|
| Indian Economy & Indian Financial System | TBA | TBA |
| Principles & Practices of Banking | TBA | TBA |
| Accounting & Financial Management for Bankers | TBA | TBA |
| Retail Banking & Wealth Management | TBA | TBA |
From when will the JAIIB registration process for the November cycle start?
The JAIIB 2026 registration dates will be released soon along with the official Notification PDF by the Indian Institute of Banking & Finance (IIBF). Knowing the registration dates of the previous exam cycles can help banking and finance professionals anticipate the likely schedule and prepare in advance. For reference, the registration for the May cycle usually falls between 4th and 24th February, while for the November cycle, it is typically from 1st to 21st August. For each cycle of the exam the registration process was being completed 3 month before the exam.
Being aware of these dates helps aspirants complete their applications on time, organize the required documents, and ensure a smooth registration process.
Examination Fee (As per last exam cycle) | For May - June Exam Cycle | For November - December Exam Cycle |
|---|
| Normal Fee | 4th to 10th February | 1st to 7th August |
| Normal Fee + ₹100 | 11th to 17th February | 8th to 14th August |
| Normal Fee + ₹200 | 18th to 24th February | 15th to 21st August |
JAIIB Exam 2026 Overview
The important details related to the JAIIB 2026 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 2026?
The important dates for the JAIIB 2026 exam, including registration and exam dates, will be announced along with the official Notification PDF. The application process is expected to start soon, and the end date for submitting applications will be notified accordingly. The JAIIB exam is likely to be conducted between May and June.
| Event | Dates (November) |
|---|
| JAIIB Application Start Date | TBA |
| JAIIB Application End Date | TBA |
| JAIIB Exam Date | May - June (Expected) |
JAIIB Eligibility
To be eligible for the JAIIB exam, candidates must fulfill the complete JAIIB eligibility criteria. They should be ordinary members of the IIBF and working in a bank or financial institution whose employer is an Institutional Member of IIBF. Generally, candidates are expected to have passed the 12th standard (10+2) or its equivalent in any discipline. Clerical or supervisory staff who have not completed 12th may be allowed to appear with a recommendation from their bank's Manager or Officer-in-Charge. Subordinate staff must be IIBF members, working in recognized banking or financial institutions in India, and have passed the 12th standard or its equivalent.
| 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. |
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What is IIBF membership and is it important to appear for the JAIIB and CAIIB exam?
The IIBF Membership means officially enrolling with the Indian Institute of Banking & Finance (IIBF), the organization that conducts professional banking exams like JAIIB and CAIIB. Most bankers apply for Ordinary Life Membership, which is available only to employees of recognized banks or financial institutions that are registered with IIBF as Institutional Members.
Having a valid IIBF Life Membership is mandatory to appear for both the JAIIB (Junior Associate of IIBF) and CAIIB (Certified Associate of IIBF) exams. Without a membership number, candidates cannot register for these examinations.
| Type | One-time Ordinary Life Membership for bank/financial institution employees |
|---|
| Eligibility | 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 |
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 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 |
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What is the fee for JAIIB application 2026?
To apply for the JAIIB 2026 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 (as per the last cycle's Notification PDF). The detailed fee structure is as follows:
JAIIB Registration Dates & Late Fees
The IIBF JAIIB registration dates will be released soon along with the Notification PDF, which will also include the details of the JAIIB registration fees.
| Registration Window | Applicable Fee |
|---|
| Week 1 | Normal Examination Fee |
| Week 2 | Normal Fee + ₹100 Late Fee |
| Week 3 | 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 Exam Structure
The exam is conducted online and consists of four papers. The papers include Paper I Indian Economy & Financial System, Paper II Accounting & Financial Management of Banking, Paper III Principles & Practices of Banking, and Paper IV Retail Banking & Wealth Management. Each paper has 100 multiple-choice questions, with each question carrying one mark, and there is no negative marking for wrong answers.
Candidates can choose to take the exam in Hindi or English, but the language must be selected during registration and cannot be changed afterward. This structure ensures a comprehensive assessment of banking knowledge, financial management skills, and understanding of the Indian economy and retail banking practices.
| 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
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
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 |
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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 2026?
Preparing for JAIIB Exam 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 2026 admit card released?
The JAIIB admit card is released by the IIBF. As per the last cycle notification, the JAIIB admit card mostly releases 10 to 15 days before the exam.
Steps to Download JAIIB Admit Card
Here are the simple steps to download your JAIIB Admit Card:
- 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 2026 Result
After the exam, IIBF will announce the JAIIB 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.
Key Takeaways
| Aspect | Key Takeaways |
|---|
| Exam Name | JAIIB (Junior Associate of the Indian Institute of Bankers) |
| Conducting Body | Indian Institute of Banking & Finance (IIBF) |
| Eligibility | Ordinary IIBF members working in banks/financial institutions; 12th pass or equivalent; clerical/supervisory staff may appear with manager recommendation |
| Exam Mode | Online |
| Exam Language | Hindi / English (choose during registration) |
| Number of Papers | 4 |
| Papers & Topics | 1. Indian Economy & Indian Financial System 2. Principles & Practices of Banking 3. Accounting & Financial Management for Bankers 4. Retail Banking & Wealth Management |
| Exam Pattern | 100 MCQs per paper, 1 mark each, no negative marking, 2 hours per paper |
| Registration Dates | May Cycle: Feb (tentative), Nov Cycle: Aug (tentative) |
| Application Fee | ₹4,000 + GST (1st attempt), ₹1,300 + GST (subsequent attempts), late fees applicable |
| IIBF Membership Fee | ₹1,770 (₹1,500 + ₹270 GST), mandatory to appear for JAIIB/CAIIB |
| Salary Increment | Approx. JAIIB: PO ₹2,000, Clerk ₹1,340; CAIIB: PO ₹4,000, Clerk ₹2,680; Total Annual Increment: PO ₹72,000, Clerk ₹48,240 |
| Admit Card Release | 10–15 days before exam |
| Result Declaration | On official IIBF website; shows marks paper-wise and overall |
| Preparation Tips | Use video lectures, make short notes, revise PYQs, attempt mock tests, adopt smart study strategy, combine books & videos, stay consistent |
