JAIIB Previous Year Papers
The Junior Associate of the Indian Institute of Bankers exam is an important step for banking professionals to strengthen their credentials and grow in their careers. Practicing JAIIB previous year papers helps candidates understand the question patterns, understand the exam format, and improve time management. It also boosts confidence by providing real exam conditions and reduces last-minute stress.
What are the subjects of the JAIIB Exam?
The JAIIB syllabus consists of 4 compulsory papers. The details of the 4 papers are as follows:
- Indian Economy & Indian Financial System
- Principles & Practices of Banking
- Accounting & Financial Management for Bankers
- Retail Banking & Wealth Management
JAIIB 2025 Exam Structure
The JAIIB 2025 consists of the exam structure are as follows:
| 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. |
Download JAIIB Previous Year Subject wise Papers with Solutions Free PDF
Aspirants can download the JAIIB May 2025 subject-wise memory-based papers with solutions free PDF. The direct link to download the free PDF is as follows:
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 Passing Criteria
The details of the JAIIB Exam 2025 passing criteria are as follows:
| Condition | Requirement |
|---|
| Minimum Marks per Subject | 50 out of 100 |
| Alternate Passing Option | 45 per paper + 50% aggregate in one attempt |
| Credit Retention | Allowed within the attempt/time window |
JAIIB Syllabus 2025
The Junior Associate of the Indian Institute of Bankers exam comprises 4 papers, each divided into 4 modules. The details of the JAIIB syllabus are as follows:
| Paper | Modules & Topics |
|---|
| Paper 1: Indian Economy & Indian Financial System (IE & IFS) | Module A – Indian Economic Architecture• Indian Economy• Economic Planning• Sectors of Economy• Role of Markets• Role of Government Module B – Economic Concepts Related to Banking• Inflation• National Income• Money Supply• Monetary Policy• Fiscal Policy Module C – Indian Financial Architecture• Indian Financial System• Regulators – RBI, SEBI, IRDAI, PFRDA• Financial Institutions• Financial Markets Module D – Financial Products & Services• Retail Banking Products• MSME Banking• Priority Sector Lending• Financial Inclusion• Government Schemes |
| Paper 2: Principles & Practices of Banking (PPB) | Module A – General Banking Operations• Banker-Customer Relationship• Deposit Products & Services• AML & KYC Guidelines Module B – Functions of Banks• Retail Banking• Wholesale Banking• Treasury Management• International Banking• Non-Fund Facilities (LC, BG) Module C – Banking Technology• Electronic Banking• IT Security• Payment Systems• Emerging Technologies – AI, Blockchain, CBDC Module D – Ethics in Banking & Financial Institutions• Business Ethics• Workplace Ethics• Customer Ethics• Corporate Governance• CSR |
| Paper 3: Accounting & Financial Management for Bankers (AFM) | Module A – Accounting Principles & Processes• Basics of Accounting• Journal, Ledger & Trial Balance• Final Accounts Module B – Financial Statements & Core Banking Systems• Bank Balance Sheet• Profit & Loss Account• Disclosures• Core Banking System Accounting Module C – Financial Management• Ratio Analysis• Capital Budgeting• Leverage• Cost of Capital• Time Value of Money Module D – Valuation, Mergers & Risk Analysis• Business Valuation• Mergers & Acquisitions• Risk Analysis in Capital Budgeting |
| Paper 4: Retail Banking & Wealth Management (RBWM) | Module A – Retail Banking• Retail Banking Products• Distribution Channels• Technology in Retail Banking• Future of Retail Banking Module B – Retail Products• Deposit Products• Loan Products – Home, Auto, Personal Loans• Credit Cards• Insurance Products Module C – Marketing & Selling of Retail Products• Marketing Concepts• Consumer Behaviour• Selling Techniques• Customer Relationship Management (CRM) Module D – Wealth Management• Basics of Wealth Management• Financial Planning• Investment Products• Taxation• Retirement Planning |
JAIIB 2025 Number of Attempts
The following are the salient points in terms of the number of attempts and time frame to clear this exam:
| Particulars | Details |
| Maximum Attempts | Candidates can make a total of 5 attempts to pass the JAIIB exam OR within a maximum of three years from the date of registration, whichever earlier |
| Starting Point | The count of attempts starts from the date the candidate registers for the exam. |
| Non-Consecutive Attempts | Candidates do not need to use all 5 attempts in a row. |
| Re-Enrollment | If a candidate fails to pass within 3 years or uses all 5 attempts, they must re-enroll for the exam. |
| No Previous Credits | Candidates who re-enroll will not receive credit for subjects passed in previous attempts. |
| Count of Attempts | Each attempt is counted upon application, regardless of whether the candidate actually attends the exam. |
| Eligible Exams | Candidates can apply for any five exams out of the six available options within the three year limit. |
| Fresh Registration Requirement | If a candidate uses all five attempts before three years are over, they must re register for the exam. |
| Expiration of Attempts | If a candidate does not use all five attempts but the three years pass, they must also re-enroll. |
Why to Attempt JAIIB Previous Year Papers?
Attempting JAIIB previous year papers is one of the most effective ways to prepare for the exam. These papers help candidates understand the exam pattern, marking style, and types of questions asked. By practicing them, aspirants can focus on important topics, improve speed and accuracy, and manage time better during the exam. They also make it easier to identify weak areas, revise key concepts, and build confidence for the actual test.
- Get familiar with the JAIIB exam pattern and question style.
- Identify important topics and frequently asked concepts.
- Improve speed, accuracy, and time management skills.
- Recognize weak areas and strengthen them with practice.
- Revise the complete syllabus in a practical way.
- Build confidence and reduce exam-related stress.
Study Notes
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