JAIIB RBWM Syllabus 2025: The Junior Associate of the Indian Institute of Bankers is a highly regarded certification that helps banking professionals build strong foundational knowledge and practical skills to serve customers better and grow in their careers. In this blog, we’ll have provided the detailed syllabus for Paper 4 Retail Banking and Wealth Management (RBWM), along with a clear, topic-wise breakdown to help you understand exactly what to expect and how to prepare effectively.
JAIIB RBWM Syllabus 2025
The Indian Institute of Banking and Finance or IIBF conducts the JAIIB exam twice a year. The Junior Associate for the Indian Institute of Banking or JAIIB exam is the first promotional exam for banking professionals. Retail Banking and Wealth Management is the fourth paper out of the four papers for the exam. The detailed module wise JAIIB RBWM exam pattern and syllabus is given below.
JAIIB RBWM Exam Pattern 2025
The exam pattern of all the papers is same. The detailed pattern for the JAIIB RBWM exam is given below:
- The paper consists of 100 questions for a total of 100 marks.
- The paper is of 2 hour duration.
- There is no negative marking.
| Particulars | Details |
| Subjects | Retail Banking and Wealth Management |
| No. of Questions | 100 |
| Total Marks | 100 |
| Duration | 2 hours |
JAIIB RBWM Syllabus 2025
The JAIIB RBWM Syllabus is divided into four main modules that encompasses the essentials of Retail Banking and Wealth Management. Each section provides a thorough understanding of the fundamentals and is designed to enhance practical knowledge for banking professionals.
- Retail Banking Fundamentals
- Wealth Management Basics
- Banking Products and Services
- Regulations and Compliance
JAIIB RBWM Module A Syllabus – Retail Banking
The syllabus for Module A of RBWM is below:
| Topic | Details |
| Retail Banking: Introduction | – Characteristics of Retail Banking – Advantages of Retail Banking – Constraints in Retail Banking – Evolution of Retail Banking – Prerequisites for Success – Challenges – Future of Retail Banking |
| Retail Banking: Role within Bank Operations | – Role in Bank Operations – Retail Banking Business Models |
| Retail vs Corporate/Wholesale Banking | – Applicability of Retail Banking Concepts – Distinction between Retail and Corporate/Wholesale Banking |
| Branch Profitability | – Banking System in India – Profitability: Profit vs Profitability – Types of Profit: Gross, Operating, Net Profit – ROA and ROE for Banks – Branch Operating Efficiency – Strategies for Improving Banking Efficiency – Profitability Factors for Banks in India – Profitability Analysis of Bank Branches – Steps to Improve Branch Profitability – Essential Factors for Continuous Profit Growth |
JAIIB RBWM Module B Syllabus – Retail Products and Recovery
The syllabus for Module B of RBWM is below:
| Topic | Details |
| Customer Requirements | – Maslow’s Theory – Customer Expectations from Services |
| Product Development Process | – Product Life Cycle- Product Lines (Deposits, Credit, Services) – New Product Development: Stages & Constraints – Product Management & Policy |
| Credit Scoring | – What is a Credit Score? – Evolution & Importance – Good Credit Score Indicators – Credit Scoring Models – Managing Scores – Mistakes and Issues – Credit Bureaus in India |
| Important Retail Liability Products | – Current Deposits: Features, Opening, Transfer, Closure – Savings Accounts: Eligibility, Services, Interest, Limits – Time Deposits (FDs): Interest, Maturity, Premature Withdrawal, Taxation, RBI Rules – Recurring Deposits- 2-in-1 Accounts |
| Important Retail Asset Products | – Home Loans (incl. PMAY) – Home Improvement & Décor Loans – Vehicle, Personal, and Education Loans – Processing Steps |
| Credit and Debit Cards | – Credit Cards, Charge Cards – Prepaid, Debit, Co-branded, Contactless Cards |
| Remittance Products | – NEFT, RTGS, ECS, NACH – AePS, BBPS – Benchmarking Indian Payment Systems |
| Digitisation of Retail Banking | – Tech in Retail Banking – Customer Analytics – Digital Lending – IDRBT, INFINET, SFMS, NFS, IBCC |
| AI and Technology in Retail Banking | – Evolution of Tech in Banking – AI vs Automation – AI Applications in Retail Banking – Benefits & Challenges in Indian Context |
| Recovery of Retail Loans | – Repayment & Default – Rescheduling & Monitoring – Irregular Loan Classification – SARFAESI Act- DRT, Lok Adalat – Recovery Agents |
| Management Information Systems (MIS) | – MIS Elements – Role in Decision-Making – Design Issues and Solutions |
| Securitization | – Concept of Asset Securitization |
JAIIB RBWM Module C Syllabus – Support Services – Marketing of Banking Services/Products
The JAIIB syllabus for Module C of RBWM is given below:
| Topic | Details |
| Marketing in Retail Banking | – Introduction to Marketing – Marketing Mix in Banking |
| Delivery Channels | – Branch Banking – ATMs, POS – Mobile & Internet Banking – Customer Liability on Unauthorized Transactions |
| Delivery Models | – Staff at Branches – Marketing Managers – Direct Selling Agents (DSAs) – Institutional/Dealer Tie-ups |
| Customer Relationship Management (CRM) | – Why CRM? – CRM Implementation Process & Stages – CRM Benefits- Customer Satisfaction Impact |
| Service Standards for Retail Banking | – BCSBI: Code of Commitment to Customers and MSEs – Code Compliance Rating – Grievance Redressal Mechanism |
| Marketing Information Systems (MKIS) | – Functions & Components – MKIS Model – Use of Computers & Decision Models – Performance Analysis – Recommendations & Advantages |
JAIIB RBWM Module D Syllabus – Wealth Management
The syllabus for Module D of RBWM i.e. Wealth Management is given below:
| Topic | Details |
| Importance of Wealth Management | – Broad View – Business Structures – Process & Assessment – Products: Bonds, Insurance, Mutual Funds, Real Estate – Retirement Planning – Strategic Business Strategy – Will Writing – Private Wealth & Financial Planning – Private Banking |
| Investment Management | – Basics & Elements – Investment Banking Services & Structure – Portfolio Management: Objectives, Types, Steps, PMS vs MFs – Role of Portfolio Managers – Advantages & Disadvantages of PMS – Recent Developments in India |
| Tax Planning | – Indian Tax Structure – FY, AY, Previous Year Concepts – Residential Status – Income Tax Heads – Slab Rates (Individuals & Entities) – Old vs New Tax Regime Comparison – Tax Saving Investments – Estate Planning through Wills & Trusts – Capital Gains Tax |
| Other Financial Services by Banks | – Third-Party Product Distribution – Mutual Funds, Insurance – Social Security Schemes – Cross Selling – Depository Services – Factoring & Agency Business |
| Additional Reading: Home Loans | – Appraisal Procedure: Forms & Documents – Mortgage & Document Registration – CERSAI Charges – Monitoring & Closure – Home Loan Frauds |
| Housing Finance and Tax Planning | – Tax Benefits on Housing Finance |
| Mortgage Advice | – Home Information Packs – Interest & Annuities – Capital Gains – Loan Calculator & Amortization |
| Valuation of Real Property | – Valuation Process – Structure Life, Sinking Fund – Reverse Mortgage |
JAIIB RBWM Syllabus – FAQs
JAIIB RBWM ie. JAIIB Paper 4 consists of 100 questions for 100 marks.
The Retail Banking and Wealth Management paper for JAIIB has a total of 4 modules.
The certification enhances banking professionals’ skills in retail banking and wealth management, leading to better career opportunities.
Topics under retail banking include the history and evolution of banking, banking models, customer relationship management, and risk management.
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