JAIIB Syllabus: The bankers who are going to appear in the JAIIB exam must be very well aware of JAIIB Exam Syllabus. If we talk about JAIIB Subjects, there are 4 subjects. The JAIIB exam consists of 4 subjects which are Indian Economy & Indian Financial System, Principles & Practices of Banking, Accounting & Financial Management for Bankers and Retail Banking & Wealth Management. In this blog, you will get the detailed JAIIB Syllabus and Exam Pattern, so read on the complete blog.
How Many Papers are there in the JAIIB 2025 Exam?
The JAIIB Exam consists of 4 compulsory papers IE and IFS, PPB, AFM, and RBWM. The details of the four papers are as follows:
- Indian Economy & Indian Financial System
- Principles & Practices of Banking
- Accounting & Financial Management for Bankers
- Retail Banking & Wealth Management
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JAIIB Exam Syllabus Overview
The exam duration will be 2 hours, and it will be conducted twice in a year, though the frequency may change based on industry needs. Check out the JAIIB Exam Syllabus overview below:
| Aspect | Details |
|---|
| Organization Name | Indian Institute of Banking and Finance (IIBF) |
| Exam Name | JAIIB 2025 |
| JAIIB Eligibility | Members Only |
| Exam Conducted | Twice in a year |
| JAIIB Subjects | - Indian Economy & Financial System
- Accounting & Financial Management of Banking
- Principles & Practices of Banking
- Retail Banking & Wealth Management |
| Total Questions | 400 (100 questions from each subject) |
| Total Marks | 400 |
| Time Duration | 2 hours for each subject |
| Negative Marking | No negative marking for wrong answers |
| Official Website | IIBF |
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JAIIB Syllabus 2025
JAIIB syllabus is made for candidates working in the banking sector and who wants to appear for the exam. 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. The candidates must prepare every topic given in the syllabus.
What are the topics included in the JAIIB IE & IFS syllabus 2025?
JAIIB Paper 1 consists of a total of four modules: Indian Economic Architecture, Economic Concepts Related to Banking, Indian Financial Architecture, and Financial Products and Services, followed by key topics. The details of the key topics are as follows:
| Title | Key Topics |
|---|
| Module A: Indian Economic Architecture | - Indian economy overview and evolution - Economic planning & sectors - Priority sector & MSMEs - Infrastructure & globalisation - Economic reforms & foreign trade - International orgs & SDGs - Economic issues (e.g., poverty, inequality) |
| Module B: Economic Concepts Related to Banking | - Micro & macroeconomics - Supply & demand - Inflation & interest theories - Business cycles - Monetary & fiscal policy - National income & budget concepts |
| Module C: Indian Financial Architecture | - Structure of Indian financial system - Banking regulations - DFIs, NBFCs, MFIs, insurance - Role of RBI, SEBI, IRDA, PFRDA - Banking reforms |
| Module D: Financial Products and Services | - Financial, money, capital & forex markets - Derivatives, factoring, merchant banking - Venture capital, leasing - Mutual funds, insurance, pensions - Para banking, REITs & InvITs |
Check out the module wise detailed JAIIB IE&IFS Syllabus
What does the JAIIB PPB syllabus for 2025 include?
JAIIB Paper 2 explores the principles and practices of banking. It is divided into four modules: General Banking Operations, Functions of Banks, Banking Technology, and Ethics in Banks & Financial Institutions, each covering various topics. The details of the topics are as follows:
| Title | Key Topics |
|---|
| Module A: General Banking Operations | - Banker-customer relationship - AML/KYC & account operations - Cash, clearing & cheque handling - NRI & forex accounts - Payment systems (NEFT, RTGS, etc.) - Customer service & grievance redressal |
| Module B: Functions of Banks | - Lending principles & credit types - Loan appraisal & documentation - NPAs & recovery laws (SARFAESI, IBC) - Guarantees, LCs, bill finance - Priority sector & MSME finance - Govt schemes & SHG linkage |
| Module C: Banking Technology | - Core banking & digital platforms - Alternate delivery channels - EFT systems & NPCI initiatives - IT security & cyber frauds - FinTech, e-RUPI, RegTech, SupTech |
| Module D: Ethics in Banks & Financial Institutions | - Business ethics in banking - Ethical dilemmas & workplace conduct - Whistleblowing, employee responsibilities - Tech ethics, privacy & data security |
Check out the module wise detailed JAIIB PPB Syllabus
Which topics are covered in the JAIIB AFM syllabus 2025?
The JAIIB AFM syllabus includes four sections: Accounting Principles and Processes, Financial Statements & Core Banking Systems, Financial Management, and Taxation & Fundamentals of Costing. These sections are further divided into key topics. The details of the key topics are as follows:
| Title | Key Topics Covered |
|---|
| Module A: Accounting Principles and Processes | - Accounting standards (Ind AS, IFRS, GAAP) - Basic accountancy & double-entry system - Cash/ledger books, BRS, trial balance - Depreciation methods, capital vs revenue - Bills of exchange, back-office reconciliation - Audit types (concurrent, internal, statutory) |
| Module B: Financial Statements & Core Banking Systems | - Balance sheet equation - Preparation of final accounts - Company accounts (share capital, Ind AS) - Cash flow & fund flow statements - Bank-specific P&L and balance sheets - Core banking systems, digital accounting |
| Module C: Financial Management | - Financial decision-making & objectives - Ratio analysis, financial math (interest, annuities, YTM) - Forex arithmetic, capital structuring, WACC - Term loan/project finance, lease financing - Working capital, factoring, derivatives (futures, swaps, options) |
| Module D: Taxation & Fundamentals of Costing | - Income tax, TDS, GST basics - Cost & management accounting concepts - Job, batch, contract, process & service costing - Standard costing & variance analysis - Marginal costing & break-even analysis - Budgeting systems & controls |
Check out the module wise detailed JAIIB AFM Syllabus
JAIIB RBWM Syllabus 2025
The RBWM syllabus includes four sections: Retail Banking, Retail Products and Recovery, Support Services and Marketing of Banking Services/Products, and Wealth Management. These sections are further divided into various key topics. The details of the key topics are as follows:
| Title | Key Topics Covered |
|---|
| Module A: Retail Banking | - Characteristics, evolution, challenges in retail banking - Business models and profitability metrics - Distinction from corporate/wholesale banking - Branch-level profitability & efficiency improvement |
| Module B: Retail Products and Recovery | - Customer needs (Maslow's Theory) - Product development & life cycle - Retail liability & asset products (FD, RD, SB, Current, Home/Auto/Edu loans) - Credit & debit cards, digital payments (NEFT, RTGS, BBPS, AePS) - Digitisation & AI in retail banking - Loan recovery (SARFAESI, DRT, Lok Adalat), MIS, Securitisation |
| Module C: Support Services – Marketing of Banking Services/Products | - Marketing mix & delivery channels (branches, ATMs, internet/mobile banking) - Delivery models (DSAs, tie-ups) - CRM strategies, service standards (BCSBI code) - MKIS (Marketing Information Systems) & its components |
| Module D: Wealth Management | - Wealth management structure, process & products - Investment management, portfolio services, mutual funds - Tax planning (old vs new regime, capital gains, trusts, wills) - Other financial services (insurance, depository, factoring) - Home loans (appraisal, documentation, monitoring, frauds) - Real estate valuation, reverse mortgage, mortgage advice |
Check out the module wise detailed JAIIB RBWM Syllabus
JAIIB Syllabus 2025 PDF Download
Candidates can click on the link given below and download the JAIIB Syllabus 2025 PDF. You can also take a printout of the syllabus so that you can make your preparation systematic.
Download JAIIB Syllabus 2025 PDF
What is the Exam Pattern for JAIIB 2025?
The JAIIB Exam 2025 is conducted in an online mode with no negative marking. Each paper is for 100 marks, and candidates are given 2 hours to complete each paper. Further details of the JAIIB exam pattern are as follows:
| Feature | Details |
|---|
| Total Questions | 100 objective-type MCQs per paper |
| Total Marks | 100 marks per paper |
| Case-Based Questions | Yes, included in all subjects |
| Numerical Input Questions | Present in papers like AFM |
| Exam Mode | Online (CBT) |
| Negative Marking | No negative marking |
| Assessment Areas | Basic knowledge, application skills, case handling, and numerical aptitude |
JAIIB Exam Structure 2025
Each of the four compulsory papers includes 100 multiple choice questions worth 100 marks.
| Paper Name | Total Marks | Exam Duration | Passing Marks |
|---|
| Indian Economy & Indian Financial System (IE & IFS) | 100 | 2 Hours | 50 (or 45 with 50% aggregate) |
| Principles & Practices of Banking (PPB) | 100 | 2 Hours | 50 (or 45 with 50% aggregate) |
| Accounting & Financial Management for Bankers (AFM) | 100 | 2 Hours | 50 (or 45 with 50% aggregate) |
| Retail Banking & Wealth Management (RBWM) | 100 | 2 Hours | 50 (or 45 with 50% aggregate) |
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What are the JAIIB 2025 November Exam Dates?
The JAIIB exam dates for the November 2025 cycle have already been released. Paper 1 of the JAIIB November exam, Indian Economy & Indian Financial System (IE & IFS), will be conducted on 2nd November 2025, followed by PPB on 8th November, AFM on 9th November, and RBWM on 16th November 2025. The detailed exam dates for JAIIB 2025 are provided below:
| Exam Date | Papers |
|---|
| 2nd November 2025 | Indian Economy & Indian Financial System |
| 8th November 2025 | Principles & Practices of Banking |
| 9th November 2025 | Accounting & Financial Management for Bankers |
| 16th November 2025 | Retail Banking & Wealth Management |
