JAIIB Syllabus 2024 and Exam Pattern, Revised Syllabus PDF

The JAIIB syllabus 2024 includes four main subjects: Indian Economy & Indian Financial System, Principles & Practices of Banking, Accounting & Financial Management for Bankers, and Retail Banking & Wealth Management. Each subject will have 100 multiple-choice questions. The JAIIB exam syllabus is designed to enhance the knowledge and skills of junior banking professionals. The exam for the October 2024 session will take place on the 20th, 26th, 27th, and 9th of November, and it will be conducted by the Indian Institute of Banking and Finance (IIBF) at a national level.

JAIIB Syllabus 2024

Candidates should be aware that there is no negative marking for wrong answers in the JAIIB exam. This means that it is beneficial to attempt all questions. Each subject will be given a maximum of 2 hours to complete, allowing ample time for candidates to answer all questions. The JAIIB exam will be conducted online, so candidates should practice with the digital format in preparation.

JAIIB Exam Syllabus 2024 – Overview

To prepare effectively, it is essential to study all the topics listed in the JAIIB syllabus 2024 PDF provided by the IIBF. The syllabus is divided into four modules for each subject, ensuring that candidates have a comprehensive understanding of the necessary concepts. By following the JAIIB syllabus, candidates can enhance their knowledge and better prepare for a successful career in banking. Here is an overview of JAIIB Syllabus:

Institution	Indian Institute of Banking & Finance (IIBF)
Exam Name	JAIIB
Course Type	Flagship
Eligibility	Members Only
Mode of Application	Online
IIBF JAIIB Exam Date 2024	20th, 26th, 27th October, and 9th November, 2024
Exam Conducted	Twice in a year
JAIIB Syllabus	Indian Economy & Financial SystemAccounting & Financial Management of BankingPrinciples & Practices of BankingRetail Banking & Wealth Management
Qualifying Marks	50 out of 100
Official website	http://www.iibf.org.in/

JAIIB Exam Pattern 2024

The JAIIB Exam Pattern has been officially released. According to the updated exam pattern, JAIIB Syllabus will have four papers. The details of the JAIIB Exam Pattern are mentioned below:

The JAIIB Examination has four papers

1. Indian Economy and Indian Financial System
2. Principles and Practices of Banking
3. Accounting and Finance for Bankers
4. Retail Banking and Wealth Management

JAIIB Exam Pattern – Marks and Duration

1. It is an objective type of examination.
2. Each paper has 100 questions.
3. The total marks of each paper are 100.
4. The time limit of the examination is 120 minutes.

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 Finance for Bankers	100	100	2 hours
Retail Banking & Wealth Management	100	100	2 hours

The marking scheme of the Junior Associate of Indian Institute of Bankers Examination is mentioned below:

• There will be no negative marking.
• The minimum mark for passing in each subject will be 50 out of 100.
• Candidates who secure at least 45 marks in each subject with an aggregate of 50% marks in all subjects of the examination in a single attempt will also qualify.

Related Links	Related Links
JAIIB Notification	JAIIB Syllabus
JAIIB Exam Date	JAIIB Admit Card
JAIIB Previous Year Papers	JAIIB Study Material
JAIIB Cut Off	JAIIB Eligibility
JAIIB Certificate	JAIIB Mock Test

JAIIB Exam Syllabus 2024

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.

Module	Paper 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
A	Indian Economic Architecture	General Banking Operations	Accounting Principles and Processes	Introduction to Retail Banking
B	Economic Concepts Related to Banking	Functions of Banks	Financial Statements and Core Banking Systems	Retails Products and Recovery
C	Indian Financial Architecture	Banking Technology	Financial Management	Support Services – Marketing of Banking Services / Products
D	Financial Products and Services	Ethics in Banks and Financial Institutions	Taxation and Fundamentals of Costing	Wealth Management

JAIIB Syllabus

The Indian Institute of Banking and Finance (IIBF) has released the JAIIB Syllabus 2024. JAIIB syllabus is for Junior Associates of the Indian Institute of Bankers. It’s made specifically for candidates working in the banking sector and who are members of the institute. Candidates can find details about registration and exam dates for the JAIIB October 2024 cycle on the official IIBF website. It’s important to note that this recruitment is only open to individuals currently employed in the banking industry and is not available to the general public.

JAIIB Paper 1 Syllabus – Indian Economy & Indian Financial System

JAIIB Paper 1 consists of a total of 4 modules given below.

1. Module A – Indian Economic Architecture
2. Module B – Economic Concept Related to Banking
3. Module C – Indian Financial Architecture
4. Module D – Financial Products and Services

Paper 1 of this study focuses on the Indian economy and the Indian financial system. It comprises four modules: Module A examines the Indian economic architecture, including sectors like agriculture, industry, and services, along with government policies and institutions. Module B covers economic concepts related to banking, such as demand and supply, inflation, interest rates, and their impact on banks and financial institutions. Module C explores the Indian financial architecture, including various financial institutions like banks, NBFCs, insurance companies, and capital markets, as well as financial intermediaries and their role. Module D specifically deals with financial products and services.

Module A- Indian Financial System

Indian Financial System focuses on important topics like the development of the Indian economy, economic planning, and the key sectors contributing to the economy. It also covers the role of MSMEs, globalization’s impact on India, infrastructure, economic reforms, foreign trade policies, and international economic organizations.

Chapters	Details
Indian Economy- An Overview	Evolution of Indian Economy, Basic Characteristics of Indian Economy, Indian Economy in Pre-British period, Economy till 2008 & after 2008, Structural changes in Indian Economy
Economic Planning in India	Definition of Economic Planning, History of Economic Planning, Objectives of Economic Planning, Types of Planning, Achievements of Planning, and Financial resources for 5-year plans.
Sectors of the Indian Economy	Role & Importance of Primary, Secondary, Tertiary Sector, Quaternary & Quinary Sectors, Different Revolutions in Primary sector, Difference between the sectors, GDP contribution of different sectors- Agriculture, Industry, Services, Employment growth rate in Secondary sector, Sunrise Sector of Indian EconomyOrganised and Unorganised sectors
Role of Priority Sector and MSME in the Indian Economy	Definition & Role of Priority Sector, List of Priority Sectors identified in India, Priority Sector Lending Norms, Definition of MSME, Role & Significance of MSME in economic development, Contribution of MSME in GDP, Recent Initiatives in MSME sector viz., Atmanirbhar Bharat package, Make in India, Start-up India, Stand-up India etc.
Infrastructure including Social Infrastructure	Infrastructure & Economic Development, Energy, Power, Transport system viz., Rail, Road, Civil Aviation,Concept of Social Sector & Social Infrastructure, Health, Education, Family welfare, and Development of Health Infrastructure
Globalisation – Impact on India	Globalisation and its Advocacy, Globalisation and its Impact on India, Fair Globalisation & the Need for Policy framework, Globalisation in reverse gear –The Threatened Re-emergence of Protectionism.
Economic Reforms	A brief overview Transformation, Economic Transformation – Real Sector, Economic Transformation – Financial Sector, Economic Transformation – Integration with the Global Economy, and Economic Reforms in India.
Foreign Trade Policy, Foreign Investments and Economic Development	FTP – Structural Changes during 1990s, FTP policy – 2015-2020, Challenges to be addressed in upcoming FTP, FDIs, FIIs and Recent trends, Economic development vs economic growth, Importance of economic development as a dimension etc.
International Economic Organizations (World Bank, IMF etc.)	IMF and World Bank, WTO- India and WTO, Regional Economic Co-operations, Recent International Economic Issues
Climate change, Sustainable Development Goals (SDGs)	Core elements of Sustainable Development, Global Issues and initiativesIndia’s progress in SDGs including Climate change, and CSR Activities.
Issues facing Indian Economy	Poverty Alleviation, Jobless growth, Rising Inequalities, Migration and excessive pressure on resources, Possible remedies and Pandemic situations

Module B – Economic Concepts Related to Banking

Economic Concepts Related to Banking covers essential economic topics including supply and demand, inflation, and interest rates. It also explains business cycles, monetary and fiscal policies, and concepts related to national income and GDP, all of which are important for understanding the banking sector.

Chapters	Details
Fundamentals of Economics, Microeconomics,  Macroeconomics and Types of Economies	Economics – An Introduction Microeconomics and Macroeconomics, Types of Economies, Market, Command, and Mixed Economies
Supply and Demand	The Demand Schedule, Forces behind the Demand Curve, shifts in Demand, The Supply Schedule, Forces behind the Supply Curve, shifts in Supply, Equilibrium of Supply and Demand, Effect of a Shift in Supply or Demand, Interpreting Changes in Price and Quantity
Money Supply and Inflation	What is Money? Money Supply, Inflation, Causes of Inflation, Measures of Inflation
Theories of Interest	Classical Theory of Rate of Interest, Keynes’ Liquidity Preference Theory of Rate of Interest, Money Demand Curve, Determination of Rate of Interest: Equilibrium in the Money Market, Effect of an Increase in the Money Supply, shifts in Money Demand or Liquidity Preference Curve, Hicks-Hansen Synthesis: IS-LM Curve Model
Business Cycles	Characteristics of a Business CyclePhases of a Business Cycle
Monetary Policy and Fiscal Policy	Tools of Monetary Policy, How did Monetary Policy in India Respond to the Global Financial Crisis? Fiscal Policy, FRBM Act
National Income and GDP Concepts	Computation Utility
Union Budget	Receipts, Expenditure Plan, Expenditure Deficit Concepts

Module C – Indian Financial Architecture

Indian Financial Architecture provides an overview of India’s financial system, including the structure of banks, financial regulations, and key institutions like NBFCs and insurance companies. It also highlights important reforms and developments in the banking sector to support economic growth.

Chapters	Details
Indian Financial System – An Overview	What is a Financial System? Phase I: Pre-1951 organisation, Phase II: 1951 to Mid-eighties organisation, Phase III: Post-Nineties Organisation, Narasimham Committee (1991) on the banking system in India, Reform of the Banking sector (1992-2008), Present Status of Banking System
Indian Banking Structure	Functions, Development of Banking in India, Scheduled Commercial Banks- Types and functions, Local Area Banks, Regional Rural Banks, Cooperative Banks: Types, Payment Banks and Small Finance Banks, NBFCs, Key RBI Guidelines.
Banking Regulation Act, 1949 and RBI Act, 1934	Background of Enactment, PART-I Reserve Bank of India Act, 1934: Chapter I to Chapter V, Schedules to the RBI Act, 1934PART-II Banking Regulations Act, 1949, Background and Structure of the Banking Regulation Act: Section 1 to Section 56
Development Financial Institutions	Evolution of Development Financial Institutions in India, Gaps in the Post-Independence Financial System, Objectives of Development Financial Institutions, Classification of DFIs, Role of DFIs in the Indian Economy, Changing Role of DFIs and the Emergence of Universal Banks, Industrial Finance Corporation of India (IFCI), Industrial Credit and Investment Corporation of India (ICICI), Industrial Development Bank of India (IDBI), Small Industries Development Bank of India (SIDBI), Export Import Bank of India (EXIM Bank), National Bank for Agriculture and Rural Development (NABARD), National Housing Bank (NHB), National Bank for Financing Infrastructure and Development (NaBFID).
Micro Finance Institutions	Evolution of Microfinance in India, Grameen Bank Model, Delivery of Microfinance, SHG-Bank Linkage programme, Joint Liability Groups (JLGs), Regulatory Framework for Microfinance Institutions, Inclusion of Bank Finance to Microfinance Institutions in Priority Sector Lending, Regulatory Framework.
Non-Banking Financial Companies	What is a Non- Banking Financial Company (NBFC)?Evolution of NBFCs in India, Role of NBFC in Promoting Inclusive Growth of India, Regulators of NBFCs, Classification of NBFCs, Regulatory Oversight by RBI on NBFCs, Types of NBFCs, Concept of Owned Funds and Net Owned Funds (NOF) for NBFCs, Bank Finance to NBFCs, Fair Practice Code for NBFCs, Applicability of Ombudsman Scheme to NBFCs, Scale Based Regulation (SBR): A Revised Regulatory Framework for NBFCs.
Insurance Companies	History and Development of Insurance, Privatisation and Foreign Direct Investment (FDI) in Insurance Sector, Insurance Business Globally and in India. Insurance Penetration and Density, Number of Insurance Companies Operating in India, Legislations Governing Operation of Insurance Companies, Insurance Intermediaries, Reinsurance Insurance, Repository’s-Insurance Account
Indian Financial System – Regulators & their roles	Role of Financial Sector Regulators in an Economy, Reserve Bank of India (RBI)Securities and Exchange Board of India (SEBI), Insurance Regulatory and Development Authority of India (IRDA), Pension Fund Regulatory and Development Authority (PFRDA)
Reforms & Developments in the Banking sector	Bad Banks, Infrastructure financing, Formation/role of NaBFID-National Bank for Financing Infrastructure & Development, Basic concepts on EASE.

Module D – Financial Products and Services

Financial Products and Services covers various financial products and services. It includes an overview of financial markets, money and capital markets, fixed income markets, forex markets, and merchant banking. It also discusses derivatives, venture capital, leasing, insurance, and other financial service.

Chapters	Details
Overview of Financial Markets	– What is a Financial Market? – Evolution of the Financial Market – Segments of Financial Markets – Functions of Financial Markets – Price Discovery
Money Markets and Capital Markets	– Call Money – Notice Money and Term Money – Treasury Bills – Certificates of Deposit – Commercial Paper – Repo, Tri-Party Repo – Bill Rediscounting Scheme (BRDS) – Long-Term Repo Operations (LTRO).
Fixed Income Markets – Debt / Bond Markets	– Government Securities – Bond Valuation and Theorems – Auction of Government Securities – Primary Dealers – Fixed Income Money Market and Derivatives Association of India (FIMMDA) – RBI Retail Direct Scheme (RDS) – Corporate Bond Market, Inter-Corporate Deposits
Capital Markets and Stock Exchanges	– Primary Market, Secondary Market – Stock Exchanges in India – Financial Products/Instruments – Dealt with in the Secondary Market – Regulatory Requirements Specified by SEBI for Corporate Debt Securities – Commonly Used Terms in the Capital Market – Types of Capital Issues in the Primary Market – Eligibility Norms for Making Capital Issues – Intermediaries in an Issue in the Primary Market – Applications Supported by Blocked Amount (ASBA) – Qualified Institutional Placement (QIP)
Forex Markets	– Profile of Foreign Exchange (Forex) Market – Evolution of the Forex Market in India – Characteristics of the Forex Market, Market Participants – LIBOR and Alternate Reference Rates (ARRs), Foreign Exchange Dealers Association of India (FEDAI) – Foreign Exchange Management Act (FEMA), 1999 – FX-Retail Platform – US Dollar Index (USDX) – American Depository Receipt (ADR) – Global Depository Receipt (GDR).
Interconnection of various markets/Market Dynamics	– Process of Interconnectedness of Financial Markets – Reasons for interconnectedness – Importance of Interconnectedness of Financial Markets – Heterogeneity of Financial Markets – Achievement of Market Integration in India – Different Levels of Market Integration – Asian Clearing Union – Benefits and Costs of Interconnectedness of Markets – Interconnectedness of the Money Market – Interconnectedness of the Credit Market – Interconnectedness of the Capital Market – Interconnectedness of the Forex Market – Integrated Treasury Operations – Contagion Effect
Merchant Banking Services	– Definition of Merchant Banking – Historical Background – Development of Merchant Banking in India – Merchant Banking Vs Commercial Banking – Licensing Requirements – SEBI Regulations on Merchant Banking – Activities of Merchant Banks – Key Policy Requirements as per SEBI Regulations – Key Codes of Conduct as per SEBI Regulations
Derivatives Market including Credit Default Swaps	– What is a Derivative? – History of Derivatives – Size of the Derivatives Market – Underlying Assets – Exchange Traded and Over-the-Counter Markets – Participants in the Derivatives Market – Functions of Derivatives – Types of Derivatives – Forward Contracts – Futures – Options – Swaps – Credit Default Swaps (CDS) – RBI guidelines on Credit Default Swaps – Documentation for Derivatives – ISDA Agreement
Factoring, forfaiting & Trade Receivables Discounting System (TReDS)	– What is Factoring? – History of Factoring – Types of factoring – Domestic Factoring – International Factoring – Bills Discounting vs Factoring – Fees Involved in Factoring – Advantages of Factoring – What is Forfaiting? – Mechanism of a Forfaiting Transaction – Fees Involved in Forfaiting – Advantages of Forfaiting – Differences between Factoring and Forfaiting – What is TReDS? – Participants under TReDS – Process Flow under TReDS – Eligibility Criteria to Set Up and Operate TReDS
Venture capital	– Concept of Venture Capital – Evolution of Venture Capital in India – Characteristics of Venture Capital Finance – Stages of Venture Capital Financing – Process of Venture Capital Financing – Regulatory Aspects of Venture Capital Funds – Modes of Venture Capital Financing – Advantages and Disadvantages of Venture Capital Financing – Exit Routes for Venture Capital Finance
Leasing and Hire Purchase	– Lease Finance – Evolution of Leasing in India – Types of Leasing – Advantages and Disadvantages of Lease Finance – Market Share of Various Leased Asset Classes – Impact of Leasing on Financial Ratios – Legal Aspects of Leasing – Regulatory Aspects of Leasing Activities – Hire Purchase – Evolution of Hire Purchase in India – Legal Aspects of Hire Purchase – Parties to a Hire Purchase Contract – Leasing and Hire Purchase Compared
Credit Rating agencies & their functions	– What is Credit Rating? – Credit Rating Agencies (CRAs) – History of Credit Rating – Characteristics of Credit Rating – Importance of Credit Rating – Benefits of Credit Rating – Factors Considered while Rating Companies/Instruments – Process of Credit Rating – Credit Rating Symbols – Ratings Outlook – Regulations for CRAs in India – Fees for Credit Rating – What is Credit Scoring? – Credit Information Companies (CICs) in India – Membership to CICs, – Regulatory Guidelines Governing CICs – Credit Scores – Difference Between Credit Ratings and Credit Scores.
Mutual Funds	– Mutual Funds and their Functions – Management of Mutual Funds – Evolution of Mutual Funds – Classification of Mutual Funds – Role of Mutual Funds – Supervision of Mutual Funds – New Fund Offer – Risks Associated with Mutual Funds – Risk Depiction – Riskometer – Net Asset Value (NAV) – Expenses Ratio – Load/No-Load Funds – Strategies for Investment in Mutual Funds – Role of Mutual Funds in the Capital Market – Alternative Investment Funds.
Insurance Products	– What is Insurance? – Fundamental Principles Governing Insurance Products – Classification of Insurance – Types of Insurance Business – Group Insurance Schemes – Micro Insurance, – Insurance Based Social Security Schemes – Bancassurance – Insurance Ombudsman Scheme – Government Business Products (Social Security Schemes like PMJJBY, PMSBY).
Pension Funds (include APY, NPS)	– Pension System and its Aspects – Pension Products – Different Types of Pension Schemes, – Employees Provident Funds Scheme – Public Provident Fund (PPF) Scheme – Insurance Annuity Schemes – National Pension Scheme (NPS) – Atal Pension Yojana (APY).
Guidelines on Para Banking & Financial Services provided by Banks	– Types of Para Banking and Financial Services provided by Banks – Organisation of Para Banking and Financial Services Activities by a Para Banking
Real Estate Investment Funds / Infrastructure Investment Fund (concept)	-What are Real Estate Investment Trusts (REITs)-History of REITs-Organisation of REITs-Types of REITs-Difference Between REITs and Real-Estate Mutual Funds-Advantages and Disadvantages of Investing in REITs and Comparison of Various Modes of Investment in Real

JAIIB Paper 2 Syllabus – Principles & Practices of Banking

JAIIB Paper 2 of this study explores the principles and practices of banking. It is divided into four modules: Module A covers general banking operations, Module B focuses on the functions of banks, Module C delves into banking technology, and Module D addresses ethics in banks and financial institutions.

1. Module A: General Banking Operations
2. Module B: Functions of banks
3. Module C: Banking Technology
4. Module D: Ethics in Banks and Financial Institutions

Module A – General Banking Operations

General Banking Operations covers essential banking functions and regulations. It includes topics such as the banker-customer relationship, anti-money laundering rules, account management, and foreign exchange services. It also addresses the roles of paying and collecting banks and various banking operations.

Chapters	Details
Banker-Customer Relationship	Requirements to be Called a Bank, Banker-Customer Relationship, Bank as a Trustee, Bailee Bailor Relationship, Agent-Principal Relationship, Lessor and Lessee, Indemnifier and Indemnified, Different Deposit Products or Services, Services to Customers and Investors.
AML-KYC Guidelines	Money Laundering & Financing of Terrorism Risks, AML Framework in India, Know Your Customer Policy, Organisational Set-up for AML, Obligations under PMLA, Risk Management, Obligations under International Agreements, FATF Identified Jurisdictions, Correspondent Banks, Reporting Under FATCA/ CRS, Reporting Obligations, Implications of Non-compliance of PMLA Obligations, Secrecy Obligations.
Operational Aspects of KYC	Know Your Customers (KYC) Norms, Wire Transfers, Other Operations – Regulations, Central, KYC Records Registry (CKYCR), Monitoring of Transactions.
Opening Accounts of Various Types of Customers	Personal Accounts, Accounts of Other Customers, Norms for Opening Current Accounts, Obtaining Photographs of Account Holders, Legal Entity Identifier.
Operational Aspects of Deposit Accounts	Salient Feature of Deposit Accounts, Interest on Deposit Accounts, Prohibitions & Exemptions, Inoperative Accounts & Unclaimed Deposits, Operational Instructions in Joint Accounts, Nomination Facility, Other Operational Guidelines, Attachment Orders, Procedure for Submission of Records to Statutory Authorities.
Operational Aspects of Handling Clearing/Collection/Cash	Cheque Truncation System (CTS), RBI Guidelines on Collection of Instruments, Cash and its Custody, Security Arrangements at Branches and ATMs
Banker’s Special Relationship	Mandate – Definition, Power of Attorney (POA) – Definition, Banker’s Lien, Right of Set-off, and Right of Appropriation.
Foreign Exchange Remittance Facilities for Individuals	Evolution of FEMA, Definitions, Bringing in and Taking out Foreign Exchange, Inward Remittances, Outward Remittances, and Indo – Nepal Remittance Scheme.
Operational Aspects of NRI Business	Permitted Accounts in India for NRIs and PIOs, Accounts in India of Foreign Nationals Visiting India, Special Non-Resident Rupee Account – SNRR Account, Remittance of Assets Held by NRIs/ PIOs, Acquisition and Transfer of Immovable Property in India by a Non-Resident Indian (NRI), Creation of Charge on Immovable Property in India, Repatriation of Income and Sale, Proceeds of Assets Held Abroad by NRIs, and Investments by NRIs/ PIOs.
Foreign Currency Accounts for Residents and Other Aspects	Types of Accounts Permitted, Foreign Currency Denominated Accounts in India, Permitted Foreign Currency Accounts Outside India Remittance of Assets by Foreign Nationals not Being PIOs, Modes of Acquiring Property Outside India by a ResidentForeign Contribution (Regulation) Act 2010
Cash Management Services and Its Importance	Developments in CMS, Importance of Cash Management System, Types of Cash Management Services, Challenges and Issues
Payment and Collection of Cheques and Other Negotiable Instruments	Negotiable Instruments Act, Payment of a Cheque, Payment in due course – Section 10,Liability of the Paying Bank – Section 31, Collection of Cheques – Duties of a Collecting Bank, Endorsement of Cheques, Crossing of Cheques, Forged Instruments, Bouncing (Dishonour) of Cheques.
Responsibility of Paying Bank	Negotiable Instruments Act and Paying Banks, Liability of Paying Banker when Customer’s Signature on the Cheque is Forged, Payment to be in Due Course for Bank to Seek Protection, Payment in Good Faith without Negligence of an Instrument on which Alteration is not Apparent, Payment by Bank Under Mistake Whether Recoverable Cheque Truncation.
Responsibility of Collecting Bank	Statutory Protection to Collecting Bank and Duties of the Collecting Bank
Ancillary Services	Remittances: Introduction, Demand Drafts (DD) and Banker’s Cheques (BC), Mail Transfer (MT), Telegraphic Transfer (TT), National Electronic Funds Transfer System (NEFT), Real Time Gross Settlement System (RTGS), Electronic Benefit Transfer (EBT) Scheme, Mobile Banking in India, Electronic/Digital Payments, Safe Deposit Lockers, Portfolio Management Services, Merchant Banking, Government Business, Levying of Service Charges.
Financial Inclusion & Financial Literacy	Financial Inclusion by Extension of Banking Services, Use of Mobiles/Tablets in Financial Inclusion Drive, Financial Literacy, Rural Self Employment Training Institutes (RSETI).
Customer Service Guidelines	Customer Service in Banks, Policy for General Management of the Branches, ATM Operations, Security Issues and Risk Mitigation Measures, Service at the Counters, Information to the Customers, Special Arrangements at Branches, and Other Provisions.
Duties & Rights of a Banker and Customer Rights	Duty of Secrecy & Confidentiality, Duty of Reasonable Care, Garnishee or Attachment Order, Bank’s Rights, Customer Awareness, Banking Codes and Standards Board of India, Obligations on the Customer.
Grievance Redressal & RBI Integrated Ombudsman Scheme 2021	Model Policy on Grievance Redressal, Internal Machinery to Handle Customer Complaints/Grievances. The RBI – Integrated Ombudsman Scheme.
The Consumer Protection Act, 2019: Preamble, Extent and Definitions	Purpose of The Act, Preamble and Extent, Act not Overriding on Any Other Law, Salient New Aspects of CPA 2019, Definitions, Various Fora Consumer Protection Councils, Central Consumer Protection Authority, Consumer Disputes Redressal Commissions, Jurisdictions of Commissions, Complaints to District Commissions, Complaints to State Commissions/ National Commission, Appeals Against Orders of District/ State Commission, Other Aspects, Mediation Process, Product Liability, Unfair Contracts, and Data Protection.
The Right to Information Act, 2005	Applicability, Definitions, Right to Information, Obligations of Public Authorities, Designation of Public Information Officers, Procedure for Obtaining Information, Disposal of Request, Appeal, Orders in Appeal, Central Information Commission, State Information Commission, Penalties, and Act to Have Overriding Effect.

Module B – Functions of Banks

Functions of Banks focuses on the essential roles banks play. It includes customer relationships, compliance with regulations, special banking roles, consumer protection, and management of payments and collections.

Chapters	Details
Banker Customer Relationship	Types; Different Deposit Products & Services, Services to Customers & Investors
KYC/ AML/ CFT norms	PMLA Act and KYC Norms
Bankers’ Special Relationship	Mandate; POA, Garnishee Orders, Banker’s Lien
Consumer Protection – COPRA, Banking Ombudsman Scheme	Operational Aspects of COPRA Act & Banking Ombudsman Scheme
Payment and Collection of Cheques and Other Negotiable Instruments	NI Act; Role & Duties of Paying & Collecting Banks, Endorsements; Forged Instruments, Bouncing of Cheques, Its Implications, Return of Cheques, and Cheque Truncation System
Opening accounts of various types of customers	Operational Aspects of opening and Maintaining Accounts of Different Types of Customers including AadhaarSB Rate Deregulation
Ancillary Services	Remittances, Safe Deposit Lockers, Govt. Business, and EBT
Cash Operations	Cash Management Services and its Importance
Principles of Lending, Working Capital Assessment and Credit Monitoring	Cardinal Principles, Non-fund Based Limits, WC, Term Loans, Credit Appraisal Techniques, Sources of WC Funds & its Estimation Operating Cycle, Projected Net WC Turnover Method, Cash Budget, Credit Monitoring & Its Management Base Rate.
P.riority Sector Advances	Targets; Sub-TargetsRecent Developments
Agricultural Finance	Types of Agricultural Loans, Risk Mitigation in agriculture (NAIS, MSP, etc.)
Micro, Small, and Medium Enterprises	MSMED Act, 2006 Policy Package for MSMEs Performance and Credit Rating Scheme Latest Developments
Government Sponsored Schemes	SGSY, SJSRY, PMRY, SLRS
Self Help Groups	Need for & Functions of SHGs, Role of NGOs in Indirect Finance to SHGs, SHGs & SGSY Scheme; Capacity Building
Cards, Home Loans, Personal Loans, Consumer Loans	Operational Aspects, Advantages, Disadvantages & Guidelines of Credit Cards, Procedure and Practices for Home Loans, Personal Loans and Consumer Loans
Documentation	Types of Documents; Procedure, Stamping, and Securitization
Different Modes of Charging Securities	Assignment; Lien; Set-off; Hypothecation Pledge; and Mortgage
Types of collaterals and their characteristics	Land & Buildings; Goods Documents of Title to Goods, Advances against Insurance Policies, Shares, Book Debts, Term Deposits, Gold, etc.Supply Bills
Non-Performing Assets	Definition; Income Recognition. Asset Classification, Provisioning Norms; CDR, Financial Inclusion BC; BF, Role of ICT in Financial Inclusion, Mobile-based transactions, RSETI
Financial Literacy	Importance of financial literacy and Customer awareness

Module C – Banking Technology

Banking Technology explores essential banking technologies, including computer systems, payment methods, and data communication. It also addresses technology upgrades and security considerations to safeguard banking operations.

Chapters	Details
Essentials of Bank Computerization	Computer Systems; LANs; WANsUPS; Core Banking
Payment Systems and Electronic Banking	ATMs; HWAK; PIN Electromagnetic Cards, Electronic Banking, Signature Storage & Retrieval System, CTS; Note & Coin Counting Machines, Microfiche; NPC; RUPAY
Data Communication Network and EFT systems	Components & Modes of Transmission, Major Networks in India, Emerging Trends in Communication Networks for Banking, Evolution of EFT System; SWIFT, Automated Clearing Systems, Funds Transfer Systems; and Recent Developments in India
Role of Technology Upgradation and its impact on Banks	Trends in Technology Developments, Role & Uses of Technology Upgradation; Global Trends, Impact of IT on Banks
Security Considerations	Risk Concern AreasTypes of Threats, Control Mechanism, Computer Audit, IS Security; IS Audit, Evaluation Requirements
Overview of IT Act	Gopalakrishna Committee Recommendations
Preventive Vigilance in Electronic Banking	Phishing; Customer Education, Safety Checks; Precautions

Module D – Ethics in Banks and Financial Institutions

Ethics in Banks and Financial Institutions covers the importance of ethical practices in banking, including personal values, workplace behavior, and decision-making. It also addresses employee responsibilities, data security, and the impact of technology on ethics.

Chapters	Details
Ethics, Business Ethics & Banking: An Integrated Perspective	Business Ethics, Ethical Foundation, Banking Ethics in Global and Indian Contexts.
Ethics at the Individual Level	Values, Norms, Beliefs, Morality, Conflict, Integrity, Golden Rule, and Dilemmas Decision-Making
Ethical Dimensions: Employees	Obligation to Bank/ Third Parties, Abuse of Official Position, Sexual Harassment, Conflict of Interest, Fair Accounting Practices, HRM Ethics, Employees as Ethics Ambassadors & Managers as Ethical Leaders.
Work Ethics and the Workplace	Work Ethics, Benefits of Ethical Behavior, Unethical Behavior: Causes and Remedies, Code of Ethics Manual, Whistleblowing in Banks, Whistleblowing Laws in India
Banking Ethics: Changing Dynamics	Ethics and Technology, Data Security and Privacy, Intellectual Property Rights, Patents, and Proprietary Rights, Ethics of Information Security, Cyber Threats, and Digital Rights Management

JAIIB Paper 3 Syllabus – Accounting and Financial Management for Bankers

JAIIB Paper 3, “Accounting and Financial Management for Bankers,” comprises four modules:

Module A: Accounting Principles and Processes 
Module B: Financial Statement and Core Banking Systems
Module C: Financial Management 
Module D: Taxation and Fundamentals of Costing.

Module A- Accounting Principles and Processes

Accounting Principles and Processes focuses on the basics of accounting, including standards, bookkeeping, and bank reconciliation. It also covers important topics like depreciation, trial balance, and the role of audits in banks.

Chapters	Details
Definition, Scope and Accounting Standards including Ind AS	Nature and Purpose of Accounting, Historical Perspectives, New Accounting system / Value system accounting, Origins of Accounting Principles, Accounting Standards in India and its Definition and Scope, Generally Accepted Accounting Principles of USA (US GAAP), Overview of IFRSs, Difference between GAAP and IFRS Transfer Pricing.
Basic Accountancy Procedures	Concepts of Accountancy, Going Concern Entity, Double Entry System, Principle of Conservatism, Revenue Recognition and Realisation, Accrual and Cash Basis
Maintenance of Cash/Subsidiary Books and Ledger	Record Keeping Basics, Account Categories, Debit and Credit Concepts, Accounting and Columnar Accounting Mechanics, and Journalising
Bank Reconciliation Statement	Recording Transactions in Cash Book, Transactions Contained in the Pass Book/Bank Statement, Is Passbook a Mirror Image of Cash Book? Causes for Passbook and Cashbook being different, Understanding Reconciliation, Preparing Reconciliation Statement, Need for Bank Reconciliation, How to prepare a Bank Reconciliation Statement when extracts of Cash Book and Pass Book are given? Adjusting the Cash Book balance, and Advantages of Bank Reconciliation Statement
Trial Balance, Rectification of Errors and Adjusting & Closing Entries	Meaning of a Trial Balance, Features and Purpose of a Trial Balance, Types of Trial Balance and Preparation of a Trial Balance, Disagreement of a Trial Balance, Classification of Errors, Location of Errors, Rectification of Errors, Suspense Account and Rectification, Rectification of Errors when Books are Closed, Adjusting and Closing Entries.
Depreciation & its Accounting	Meaning of Depreciation, Causes of Depreciation, Need for Depreciation, Factors of Depreciation, Accounting Entries, Methods of Depreciation, Straight Line Method, Diminishing Balance or Written Down Value (WDV) Method, Advantages and Disadvantages of Straight Line Method, Advantages and Disadvantages of Written Down Value Method, Units of Production Method, Sum of the Years’ Digits Method, Replacement of a Fixed Asset and Creation of Sinking Fund, and Amortisation of intangible assets
Capital and Revenue Expenditure	Expenditure, Distinction between Capital and Revenue Expenditure Receipts
Bills of Exchange	Types of Instruments of Credit, Term and Due Date of a Bill, Certain Important Terms, Accounting Entries to be Passed, Accommodation Bill, and Bill Books
Operational Aspects of Accounting Entries	Peculiar Features of Accounting System in Banks Accounting Systems of Different BanksIllustration
Back Office Functions/Handling Unreconciled Entries in Banks	Functions Performed by the Back Office, Reconciliation Function in Banks, Reconciliation of Inter Branch/ Office Entries.
Bank Audit & Inspection	Bank Audit Emergence of Risk based Internal Audit, Types of Bank Audits Viz. Concurrent Audit Internal Audit, Statutory Audit, Role of Audit and Inspection

Module B – Financial Statement and Core Banking Systems

Financial Statement and Core Banking Systems explains important accounting concepts such as balance sheet equations, preparing financial statements, and company accounts. It also covers core banking systems, computerized accounting, and the effects of Indian Accounting Standards (Ind AS) on financial reports.

Chapters	Details
Balance Sheet Equation	Balance Sheet Equation, Computation of Balance Sheet Equation
Preparation of Final Accounts	Preparation of Trial Balance, Adjustment Entries, Preparation of Financial Statements from Trial Balance
Company Accounts – I	Definition and Types of Companies, Distinction between Partnership and Limited Liability Company, Classes of Share Capital, Issue of Shares, General Illustrations, Non-voting Shares
Company Accounts – II	Form of Balance Sheet, Impact of Ind AS on Financial Statements
Cash Flow & Funds Flow	Cash Flow, Funds Flow Statement, Cash Flow Statement, Fund Flow and Cash Flow Analysis
Final Accounts of Banking Companies	Definition and Functions of a Bank, Requirements of Banking Companies as to Accounts and Audit, Significant Features of Accounting Systems of Banks, Principal Books of Account, Preparation and Presentation of Financial Statements of Banks, Accounting Treatment of Specific Items, Preparation of Profit and Loss Account, Comments on Profit and Loss Account Items, Important Items of Balance Sheet. Disclosure Requirements of Banks to be Added as Notes to Accounts, Disclosures Prescribed by RBI Under Basel-III, Banks Listed on a Stock Exchange, Implementation of Indian Accounting Standards (Ind AS)
Core Banking Systems & Accounting in a Computerised Environment	Meaning of Computerised Accounting, Features of Computerised Accounting, Terms Used in Computerised Accounting, Difference between Computerised and Manual Accounting, Advantages and Disadvantages of Computerised Accounting, Functions Performed by Computerised Accounting Softwares Available in the Market, Computerisation – Scope and Experiences in Banking, The Core Banking Components, Information Security, Internet and World Wide Web – Influences on Banking

Module C – Financial Management

Financial Management provides insights into key areas such as financial decision making, ratio analysis, and capital structure. It also covers advanced topics like derivatives, foreign exchange, and managing working capital.

Chapters	Details
An Overview of Financial Management	Forms of Business Organisation, Financial Decision making in a Firm, Objectives of Financial Management, The Fundamental Principles of Finance, Building Blocks of Modern Finance,Risk-Return Trade off, Agency Problem in Financial Management, Business Ethics & Social Responsibility, Organisation of the Finance Function, Relationship of Finance to Economics and Accounting, Emerging Role of the Financial Manager in India
Ratio Analysis	Meaning of Accounting Ratios, Classification of Ratios, Uses of Accounting Ratios, Limitations of Accounting Ratios, Calculation and Interpretation of Various Ratios, Different Users and Their Use of Ratios
Financial Mathematics – Calculation of Interest & Annuities	What is Simple Interest? What is Compound Interest? Fixed and Floating Interest Rates, Front-end and Back-end Interest Rates, Calculation of Interest Using Products/Balances,What are Annuities? Calculating the Future Value of an Ordinary Annuity, Calculating the Present Value of an Ordinary Annuity, Calculating the Future Value of an Annuity Due, Calculating the Present Value of an Annuity Due, Repayment of a Debt
Financial Mathematics – Calculation of YTM	Meaning of Debt, Introduction to Bonds, Terms Associated with Bonds, Types of Bonds,Optionality in Bonds, Valuation of Bonds, Bond Value with Semi-annual Interest, Current Yieldon Bond, Yield-to-Maturity of Bond, Theorems for Bond Value, Illustrations, Duration of Bond,Properties of Duration, Bond Price Volatility, Problems and Solutions
Financial Mathematics – Forex Arithmetic	Fundamentals of Foreign Exchange, Indian Forex Market, Direct and Indirect Quote, Some Basic Exchange Rate Arithmetic, Forward Exchange Rates
Capital Structure and Cost of Capital	Meaning of Capital Structuring, Leverage/Gearing, Factors Influencing Decision on Capital Structuring, Theories/Approaches on Capital Structuring, Net Income Approach, Net Operating Income Approach, Traditional Position, Assumptions in the Approaches on Capital Structuring, Taxation & Capital Structure, Cost of Debt, Preference, Equity, Determining the Proportions, Weighted Average Cost of Capital (WACC), Factors Affecting the WACC,Weighted Marginal Cost of Capital, Determining the Optimal Capital Budget, Divisional and Project Cost of Capital, Floatation Cost and the Cost of Capital, Misconceptions surrounding the Cost of Capital
Capital Investment Decisions/Term Loans	Discounted and Non-Discounted Cash Flow Methods for Investment Appraisal, Basicconcepts of term loans, Deferred payment Guarantees, Project financing, Difference between term loan appraisal and project appraisal
Equipment Leasing/Lease Financing	Meaning of a Lease, Features of a Lease, Types of Leases, Rationale for Leasing, Contents of a Lease Agreement, Legal Aspects of Leasing, Finance Leases, Operating Leases,Accounting of Lease Transaction in the books of Lessor and Lessee, Leasing as a Financing Decision
Working Capital Management	Working Capital Cycle, Cash and Marketable Securities, Accruals, Trade Credit, Working Capital Advance by Commercial Banks, Cash Budget Method of Lending, Regulation of BankFinance, Public Deposits, Inter- Corporate Deposits, Short-term loans from Financial Institutions, Rights Debentures for Working Capital, Commercial Paper, Factoring & Forfaiting
Derivatives	Characteristics & Functions of Derivatives, Users of derivatives, Futures, Forward RateAgreement (FRA), Swaps, Options

Module D – Taxation and Fundamental of Costing

Taxation and Fundamentals of Costing covers essential topics in taxation, including income tax, TDS, and GST. It also delves into cost and management accounting, costing methods, standard costing, marginal costing, and budgeting techniques.

Chapters	Details
Taxation: Income Tax/TDS/Deferred Tax	Overview of Income Tax Act, Basic Overview of Deductions in Respect of Certain Incomes & Deduction 80 QQB, 80 RRB, 80 TTA & 80U, TDS/TCS, Returns, Refund & Recovery
Goods & Services Tax	Meaning of Direct & Indirect Tax, Introduction to GST
An Overview of Cost & Management Accounting	Cost Accounting: Evolution, Meaning, Objectives and Scope, Concepts of Costs,Classifications and Elements of Cost, Cost Centre and Cost Unit, Methods and Techniques ofCosting, Cost Accounting Standards, Management Accounting: Evolution, Meaning,Objectives and Scope. Tools and Techniques of Management Accounting, Relationship of Cost Accounting, Financial Accounting, Management Accounting and Financial Management
Costing Methods	Unit and Output Costing, Job Costing: Job Cost Cards, Collecting Direct Costs, Allocation of Overheads and its Applications, Batch Costing: Features and Applications, Contract Costing: Features, Distinction between Job and Contract Costing, Progress Payments, Retention Money, Escalation Clause, Contract Accounts, Accounting for Material, Accounting for Plant Used in a Contract, Contract Profit and Accounting Entries, Process Costing: Features, Applications and Types of Process Costing, Process Loss, Abnormal Gains and Losses, Equivalent Units, Inter-Process Profit, Joint Products, By-Products and Accounting, Service Costing: Features and Applications, Unit Costing and Multiple Costing, Application, Identification of Cost Unit and Cost Determination and Control
Standard Costing	Definition, Significance and Applications, Various Types of Standards, Installation of Standard Costing System—for Material, Labour, and Overhead, Variance Analysis for Materials, Labourand Overheads and Accounting Treatment of Variances, Benchmarking for Setting of Standards, Variance Reporting to Management
Marginal Costing	Meaning, Advantages, Limitations and Applications, Breakeven Analysis, Cost-Volume ProfitAnalysis, P/V Ratio and its Significance, Margin of Safety, Absorption Costing: System of Profit Reporting and Stock Valuation, Difference between Marginal Costing and Absorption Costing, Income Measurement under Marginal Costing and Absorption Costing
Budgets and Budgetary Control	Budget Concept, Manual, Fixed and Flexible Budgets, Preparation and Monitoring of VariousTypes of Budgets, Budgetary Control System: Advantages, Limitations and Installation, Zero Based Budgeting, Programme and Performance Budgeting

JAIIB Paper 4 Syllabus – Retail Banking and Wealth Management

JAIIB Paper 4, “Retail Banking and Wealth Management,” comprises four modules:

Module A: Retail Banking 
Module B: Retail Products and Recovery 
Module C: Support Services – Marketing of Banking Services/Products 
Module D: Wealth Management

Module A – Retail Banking

Retail Banking explores the fundamentals of retail banking, including its characteristics, advantages, and evolution. It also examines the role of retail banking within bank operations, differences from corporate banking, and strategies for improving branch profitability.

Chapters	Details
Retail Banking: Introduction	Characteristics of Retail Banking; Advantages of Retail Banking; Constraints in Retail Banking; Evolution of Retail Banking; Prerequisite for Success of Retail Banking; Challenges for Retail Banking Future of Retail Banking
Retail Banking: Role within the Bank Operations	Business Models
Applicability of Retail Banking Concepts and Distinction between  Retail and Corporate/Wholesale Banking	Applicability of Retail Banking Concepts; Distinction between Retail and Corporate/ Wholesale Banking
Branch Profitability	Banking System: An Introduction; Banking in India; What is Profitability? What is Profit? Gross Profit, Operating Profit, and Net Profit; Profit and Profitability in the context of Banking; Traditional Measures of Profitability; The ROA (Return on Asset); Return on Equity (ROE) for Banks; Branch Operating Efficiency; Strategies for Improving Efficiencies of Banking Operations; Factors Affecting Profitability of Banks in India; Profitability Analysis of Bank Branches; Steps to Improve Branch Profitability; Essential Factors to Make Continuous Improvement in Profitability

Module B – Retail Products and Recovery

Retail Products and Recovery focuses on key aspects of retail banking, including customer requirements, product development, and credit scoring. It also covers important retail products like loans, credit cards, and digital banking, as well as recovery processes and the role of technology and AI in retail banking.

Chapters	Details
Customer Requirements	Maslow’s Theory and Customer Requirements; Customer Requirements about Service Quality
Product Development Process	Product Development Process; Product Life Cycle; Product Lines of a Banker; Deposit Products or Liability Products; Credit Products or Asset Products; Other Products and Services; Other Fee Based Services – Distribution of third party products; New Product Development; Stages in New Product Development; Constraints in New Product Development; Product Management; Product Policy
Credit Scoring	What is a Credit Score?; Evolution of Credit Scoring; What is a Good Credit Score?; Credit Scoring Model; Managing the Credit Score; Positive Side of Credit Score; Warning Signs inCredit Score; Credit Information Companies in India; Issues in Credit Scoring; Mistakes in Credit Scoring; Troubleshooting Credit Score
Important Retail Liability Products	Demand Deposits : An Introduction; Current Deposit: An Introduction; Main features of Current Deposit Account; Advantage of Current Deposit Account; Documents required for opening various types of Current Accounts; Opening of Current Account; Operational Instructions in Current Account; Transfer of Accounts; Inoperative Accounts; Closure of Current Account; Savings Bank Account: An Introduction; Advantages and Importance of Savings Bank Deposits to Customers; Who Can Open a Savings Bank Account?; Deregulation of interest in Savings Deposit Account; Maintenance of Balance in Savings Bank Account and Interest Payment; Restrictions on Transactions in SB Account; Services offered in Savings Bank Accounts; Time Deposit – An Introduction; Periodicity of Time Deposit; Operational instructions; Interest on Fixed Deposit; Term Deposit accounts of minors; Premature Paymentof FD; Operational Issues of FD; Advances Against Bank’s own Time Deposit Receipts;Renewal of FD; Recent Rule of RBI on overdue FD; Form 15 G/ 15 H; Deposit of TDS to Income Tax Department by Banks; 2 in 1 Account; Recurring Deposit (RD)
Important Retail Asset Products	Home Loans; Housing Loan under Prime Minister’s Awas Yojana (PMAY); Home Improvement Loans; Home Decor Loans; Auto/Vehicle Loans; Personal Loans; Educational Loans; Other Retail Loans; Processing of Retail Loans
Credit and Debit Cards	Credit Cards; Charge Cards; Pre-paid Cards; Debit Cards; Co-branded Cards; Contactless Cards
Remittance Products	Electronic Payment Systems; National Electronic Funds Transfer (NEFT); Real Time Gross Settlement (RTGS); Electronic Clearing Services (ECS); National Automated Clearing House(NACH) System; Aadhaar enabled Payment System (AePS); Bharat Bill Payment System(BBPS); Benchmarking India’s Payment System
Digitisation of Retail Banking Products	Technology in Retail Banking; Technology Processes in Retail Banking; Some Important User-Friendly Features; Customer Analytics; Institute for Development and Research on Banking Technologies (IDRBT); Indian Financial Network (INFINET); Structured Financial Messaging System (SFMS); National Financial Switch (NFS); Indian Banking Community Cloud (IBCC); Wealth Management Solutions; Digital Lending
Role of AI and Technology in Retail Banking	Dimensions of Banking Technology; Banking Today; Relationship between Banking and Technology; Evolution of Banking Technology; A New Era in Banking; Evolution of Banking Technology in India; Challenges towards adoption of Technology by Indian Banks; Technology in Retail Banking; Benefits of Technology in Retail Banking; Artificial Intelligence (AI); Difference between Artificial Intelligence (AI) and Automation; Evolution of Artificial Intelligence; Artificial Intelligence Industry in India; Artificial Intelligence in Indian Banking Industry; Indian Banks and the Technology; Why AI in Banking Industry?; Benefits of Artificial Intelligence Technology in Banking and Finance; Artificial Intelligence in Retail Banking; Artificial Intelligence in Retail Banking in India; The Challenges Facing India’s AIDevelopment; Benefits of AI in Retail Banking
Recovery of Retail Loans	Repayment in Retail Loans; Default and Re-scheduling in Retail Loans; Monitoring of LoanAccounts; Classification of Irregular Loan Accounts; Recovery Policy of Banks; Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002(SARFAESI Act); Debt Recovery Tribunal (DRT); Recovery through Lok Adalat; EngagingDirect Recovery Agents
Management Information Systems	The main elements of MIS; Role of Management Information Systems; Role of MIS in Improving decision making; Role of MIS in Banking Industry; Designing MIS for a Bank; Issues Related to Management Information Systems (MIS); Suggestions for Solutions to MIS-related issues
Securitization	Securitization of Assets

Module C – Support Services – Marketing of Banking Services/Products

Support Services – Marketing of Banking Services/Products” covers the essentials of marketing within retail banking, including delivery channels, customer relationship management, and service standards. It also explores marketing information systems and their role in enhancing banking service marketing and customer satisfaction.

Chapters	Details
Marketing – An Introduction	Marketing in Retail Banking; Marketing Mix in Retail Banking
Delivery Channels in Retail Banking	Channel Experience; Physical/Direct Channels – Branch; Automated Teller Machines; Point of Sale Terminal; Mobile Banking; Internet Banking; Customer’s Liability on UnauthorizedElectronic Transactions
Delivery Models	Delivery Models; Internal Customers – Staff at the Branch Level; Dedicated MarketingManagers; Direct Selling Agents (DSAs); Tie-up with Institutions/OEMs/Dealers, etc.
Customer Relationship Management in Retail Banking	Customer Relationship Management in Retail Banking; Why CRM?; Implementation Aspects of CRM in Banks; Implementation Process of CRM in Banks; Implementation Stages in CRM; Benefits of CRM; Impact of CRM on Customer Satisfaction
Service Standards for Retail Banking	Members of BCSBI; Main Aims and Objects; Code of Banks’ Commitment; Code of Banks Commitment to Micro and Small Enterprises; Function of BCSBI; Code Compliance Rating; Customer Grievances Handling Mechanism; General Information
Marketing Information Systems- A Longitudinal Analysis	Functions of MKIS; Components of MKIS; The MKIS Model; Observations; Usage of Computers in MKIS; Supports for Marketing Management; Supports for Marketing MixDecisions; Use of Decision Models; Performance of MKIS; Recommendations; Advantages of MKIS

Module D – Wealth Management

Wealth Management focuses on strategies and services for managing personal wealth, including investment management, tax planning, and the benefits of wealth management. It also covers additional financial services provided by banks, mortgage advice, and property valuation.

Chapters	Details
Importance of Wealth Management	Wealth Management – Broad View; Wealth Management Business Structures; Wealth Management Process; Wealth Management Products and Services; Alternative asset; Bond; Insurance; Mutual fund; Real Estate Service; Retirement Planning; Strategic Business Strategy; Will Writing; Private Wealth Management; Personal Financial Planning; WealthManagement Assessment; Private Banking; Benefits of Wealth Management; Importance of Wealth Management
Investment Management	Element of Investment; Basics of Investment Management; Steps in Investment Management; Investment Banking; Services being offered by Full-service Investment Banks; Investment Bank Organizational Structure; Investment Management Vs Investment Banking; Portfolio Management; Objectives of Portfolio Management; Key Elements of Portfolio Management; Portfolio Management Vs Investment Banking; Role of Portfolio Manager; Portfolio Management Service Vs Mutual Funds (MFs); Types of Portfolio Management Services; Steps Wealth management of the Portfolio Management Process; Advantages of Portfolio Management Services; Disadvantages of PMS; Recent developments in the Portfolio Management Services area in India
Tax Planning	Classification of Tax Structure in India; Financial Year; Assessment Year; Previous Year; Concept of Previous Year & Financial Year vis-a-vis Assessment Year; Residential Status for income Tax; A few important terms in Income Tax; Heads of Income for computation of the total income; Income Tax Slab rate for FY 2021-22 (AY 2022-23); Conditions for opting NewTax Regime; Examin Indiaple for Old Tax Regime Vs New Tax Regime & which is better; Income TaxSlabs for non-individual entities; Investment Products for Tax Savings; Estate Planning-Tax, Planning through Wills/ Trusts; Capital Gains Tax
Other Financial Services Provided by Banks	Distribution of Third Party Products in Retail Banking; Mutual Fund Business; Insurance Business; Some Social Security Insurance Schemes; Cross-Selling; Depository Services by Banks; Portfolio Management Services; Factoring; Other Agency Business by Banks
Additional Reading Material on Home Loans Lender’s Appraisal Procedure	Appraisal Procedures; Application Form; Documents to be Submitted for Availing a HomeLoan; Application Received through Agent; Appraisal of Loan Request; Other Relevant Issuesat Pre-sanction Stage; Documentation; Mortgage; Registration of Documents; Detection of Forged and Fabricated Title Deeds; Other Securities; Registration of Charges with CERSAI on Security Internet; Monitoring; Closure of Account; Home Loan Frauds
Housing Finance and Tax Planning	Tax Benefits in Respect of Housing Finance
Mortgage Advice	Development of “Home Information Packs”; Time Value of Money-interest and Annuities; Capital Gains; Loan Calculator and Loan Amortization Schedule
Valuation of Real Property	Who does Valuation?; Land with Building; Life of Structures; Sinking Fund; Reverse Mortgage

JAIIB Syllabus 2024 PDF Download

In this article, you can easily get the newest JAIIB Syllabus 2024 PDF. It’s a handy guide for people who want to do well in banking. The PDF has all the important things you need to know, to help you prepare for the JAIIB exams.

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JAIIB Syllabus PDF Download Link

Latest JAIIB Syllabus 2024

Exciting news! The Indian Institute of Banking and Finance (IIBF) has just introduced a brand-new syllabus. Right here in this article, you can get the latest updates. Specifically designed for the Junior Associate of the Indian Institute of Bankers (JAIIB), the JAIIB Syllabus 2024 is now ready for you to download.

Keep up with the newest changes introduced by IIBF to make sure you’re on the right path for your JAIIB exams. Don’t miss this chance to access the most recent JAIIB Syllabus for 2024. Expand your banking knowledge by exploring the latest offerings from IIBF today!

JAIIB New Syllabus Books 2024

Our books are now super helpful for your JAIIB 2024 exam prep. We’ve made sure everything in our materials fits perfectly with what you need to know. Get ready to do well in your banking exam with our updated study resources. We’ve got your back, making it easier for you to understand and succeed in your JAIIB 2024 exams. Dive into our books, follow along with the new syllabus, and get ready to rock your exams!

JAIIB New Syllabus Questions and Answers

Explore the latest JAIIB exam pattern by reviewing the previous year’s question papers according to the new syllabus. This will help you understand the exam structure and excel in your preparation. Check out past papers to get a clear picture of what to expect and boost your confidence for the upcoming JAIIB exams.

Check JAIIB Previous Year Papers

JAIIB New Syllabus Effective Date

As of August 30, 2022, a decision has been made to update the syllabus for the Junior Associate of Indian Institute of Bankers (JAIIB), Certified Associate of Indian Institute of Bankers (CAIIB), and Diploma in Banking and Finance (DBF).

• Announcement of revised syllabus: August 30, 2022
• Last examination under the old syllabus: November/December 2022
• First examination under the new syllabus: May/June 2023
• Current syllabus: JAIIB Revised Syllabus

JAIIB Syllabus in Hindi

In this article, you can access the PDF version of the JAIIB syllabus in Hindi. Candidates are invited to download the JAIIB syllabus in Hindi for their convenience. This resource provides a comprehensive overview of the syllabus, catering specifically to Hindi-speaking candidates. By downloading the JAIIB syllabus in Hindi, aspirants can equip themselves with the necessary study material to excel in their preparations.

Seize this opportunity to enhance your understanding of the JAIIB syllabus, facilitating a smoother journey toward success in the banking sector. Click now to download the JAIIB syllabus in Hindi and embark on your path to excellence.

JAIIB Old Syllabus Comparison with New Syllabus

Specifications	JAIIB Exam Till 2022	JAIIB Exam From 2023
Subjects	Principles and Practices of Banking(PPB)Accounting and Finance for Bankers(AFB)Legal and Regulatory Aspects of Banking(LRAB)	Indian Economy and Indian Financial System (IE & IFS)Principles and Practices of Banking (PPB)Accounting and Financial Management for Bankers (AFM)Retail Banking and Wealth Management (RBWM)
No. of Questions	120	100
Time Duration	2 hours	2 hours
Negative Marking	No	No
Passing Criteria	The minimum mark to qualify in each paper of JAIIB was 50 out of 100. Candidates securing at least 45 marks in each subject with an aggregate of 50% marks in all subjects of the examination in a single attempt will also be declared as having passed the examination.	The minimum marks to qualify in each paper of JAIIB will be 50 out of 100. Candidates securing at least 45 marks in each subject with an aggregate of 50% marks in all subjects of the examination in a single attempt will also be declared as having passed the examination.
Time Duration To Qualify	2 Years	3 Years
Attempts for Qualifying	4	5
Should the Attempts be consecutive?	Yes	No
The attempts will be counted from	After the candidates appear for the exam	After the candidates appear for the exam
Re-Enrollment Conditions	Could not clear the JAIIB Exam in the time limit of 2 years/4 attemptsAfter completing the registration process do not appear for the exam within 2 years.	If a candidate appears for all five attempts before the completion of 3 years.Does not avail five attempts but the prescribed time period of three years is over

Related Links	Related Links
JAIIB Notification 2024	JAIIB Syllabus 2024
JAIIB Exam Date 2024	JAIIB Registration 2024
JAIIB Admit Card 2024	JAIIB Salary
JAIIB Previous Year Papers	JAIIB Cut Off

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