The Indian Institute of Banking & Finance (IIBF) conducts the JAIIB exam to test the basic banking knowledge of professionals. The exam has four compulsory papers, each with 100 questions and 100 marks, to be completed in two hours. The JAIIB 2026 exam notification has been released along with the exam dates for the May and November cycles. Professionals planning for JAIIB 2026 should review the exam pattern carefully before appearing for the test.
What is JAIIB exam pattern 2026?
The JAIIB exam pattern comprises 100 questions for a total of 100 marks, with no negative marking, and is conducted over 2 hours. The JAIIB exam is held separately for each of the four compulsory papers across both exam cycles. The details of the JAIIB exam pattern are as follows:
| Feature | Details |
|---|
| Total Questions | 100 objective-type MCQs per paper Total - 400 questions across IE and IFS, PPB, AFM, RBWM paper |
| Total Marks | 100 marks per paper Total - 400 marks across IE and IFS, PPB, AFM, RBWM paper |
| Case-Based Questions | Yes, included in all subjects |
| Exam Mode | Online (CBT) |
| Negative Marking | No negative marking |
Attempt free JAIIB Mock Test
What are the 4 compulsory JAIIB papers?
The JAIIB exam consists of four compulsory papers IE & IFS, PPB, AFM, and RBWM. These papers are specially designed to enhance both conceptual and practical knowledge in banking and finance. The modules covering the syllabus of each of these four papers are as follows:
| Paper | Modules |
|---|
| Indian Economy & Indian Financial System (IE & IFS) | A. Indian Economic Architecture
B. Economic Concepts Related to Banking
C. Indian Financial Architecture
D. Financial Products and Services |
| Principles & Practices of Banking (PPB) | A. General Banking Operations
B. Functions of Banks
C. Banking Technology
D. Ethics in Banking |
| Accounting & Financial Management for Bankers (AFM) | A. Accounting Principles and Processes
B. Financial Statements and Core Banking Systems
C. Financial Management
D. Taxation and Fundamentals of Costing |
| Retail Banking & Wealth Management (RBWM) | A. Introduction to Retail Banking
B. Retail Product & Recovery
C. Marketing & CRM
D. Investment Planning and Wealth Management |
What is the JAIIB IE and IFS exam pattern 2026?
JAIIB IE & IFS paper for the November 2026 cycle is scheduled for 1st November 2026 and will be held in online mode. The exam will consist of 100 multiple-choice questions for 100 marks, with a 2-hour duration. There is no negative marking, and candidates can view their score or the number of correct answers after submitting the exam.
| Feature | Details |
|---|
| Total Questions | 100 objective-type MCQs per paper |
| Total Marks | 100 marks per paper |
| Case-Based Questions | Yes, included |
| Exam Mode | Online (CBT) |
| Negative Marking | No negative marking |
| Assessment Areas | Basic knowledge, application skills, case handling, and numerical aptitude |
Check out the JAIIB IE and IFS Exam Syllabus
What is the JAIIB PPB exam pattern 2026?
Principles and Practices of Banking (PPB) exam is scheduled to be conducted online on 22nd November 2026. The paper will consist of 100 multiple-choice questions carrying 100 marks, with no negative marking. Candidates will be given 2 hours to complete the exam. After submission, candidates can see the number of correct answers attempted. The detailed exam pattern is provided for reference.
| Feature | Details |
|---|
| Total Questions | 100 objective-type MCQs per paper |
| Total Marks | 100 marks per paper |
| Case-Based Questions | Yes, included |
| Exam Mode | Online (CBT) |
| Negative Marking | No negative marking |
| Assessment Areas | Basic knowledge, application skills, case handling, and numerical aptitude |
Check out the JAIIB PPB Exam Syllabus
What is the JAIIB AFM exam pattern 2026?
Accounting and Financial Management for Bankers (AFM) paper for the November 2026 cycle will be held on 28th November 2026 in online mode. The exam will include 100 multiple-choice questions for 100 marks, with a 2-hour duration and no negative marking. After submitting the exam, candidates will be able to view their score or the number of correct answers.
| 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 |
Check out the JAIIB AFM Exam Syllabus
What is the JAIIB RBWM exam pattern 2026?
Retail Banking & Wealth Management (RBWM) paper for the JAIIB November 2026 cycle will be conducted online on 29th November 2026. The exam will consist of 100 multiple-choice questions for 100 marks, with no negative marking and a duration of two hours. After completing the exam, candidates will be able to view the total number of correct answers marked by them.
| Feature | Details |
|---|
| Total Questions | 100 objective-type MCQs per paper |
| Total Marks | 100 marks per paper |
| Case-Based Questions | Yes, included in all subjects |
| Exam Mode | Online (CBT) |
| Negative Marking | No negative marking |
| Assessment Areas | Basic knowledge, application skills, case handling, and numerical aptitude |
Check out the JAIIB RBWM Exam Syllabus
What is the paper-wise IIBF JAIIB 2026 exam dates?
Indian Institute of Banking & Finance (IIBF) conducts the JAIIB 2026 exam in online mode twice a year, in the May and November cycles. The exam consists of 4 compulsory papers, Indian Economy & Indian Financial System (IE & IFS), Principles & Practices of Banking (PPB), Accounting & Financial Management for Bankers (AFM), and Retail Banking & Wealth Management (RBWM). The May 2026 cycle has been completed, while the November 2026 cycle is scheduled to be held from 1st November to 29th November 2026. Candidates can check their exact exam date, shift timing, and exam centre details on their JAIIB admit card.
| Exam Paper | November 2026 Exam Date | May 2026 Exam Date |
|---|
| Indian Economy & Indian Financial System | 1st November 2026 | 3rd May 2026 |
| Principles & Practices of Banking | 22nd November 2026 | 9th May 2026 |
| Accounting & Financial Management for Bankers | 28th November 2026 | 10th May 2026 |
| Retail Banking & Wealth Management | 29th November 2026 | 17th May 2026 |
Also Check: JAIIB Complete 2026 Exam Schedule
What is the marking scheme for the JAIIB exam?
JAIIB exam includes 100 multiple-choice questions (MCQs), including case-based and numerical questions, carrying 100 marks. Candidates get 2 hours to complete each paper, and there is no negative marking. To pass, candidates must score 50 marks in a paper or 45 marks in each paper with an overall 50% aggregate in a single attempt. The exam tests banking knowledge, practical understanding, and problem-solving skills.
| Component | Details |
|---|
| Question Format | MCQs including case-based and numerical questions |
| Total Questions per Paper | 100 questions |
| Marks per Question | 1 mark |
| Exam Duration | 2 hours per paper |
| Negative Marking | No |
| Minimum Pass Marks | 50 per paper OR 45 per paper with 50% aggregate in one attempt |
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What is JAIIB credit limit policy?
Under the JAIIB 2026 Credit Retention Policy, candidates can keep the credit for papers they have successfully passed for a limited period. These credits remain valid for up to five attempts or three years from the date of first registration, whichever is earlier. If candidates are unable to clear all four papers within this time limit, the credits for previously passed papers will lapse, and they will have to register again and appear for all papers.
- Credit validity: Up to 5 attempts or 3 years from first registration, whichever is earlier
- Papers covered: Principles & Practices of Banking (PPB), Accounting & Financial Management for Bankers (AFM), Indian Economy & Indian Financial System (IE & IFS), Retail Banking & Wealth Management (RBWM)
- Credit benefit: Cleared subjects are carried forward during validity period
- Expiry rule: If not completed within limit, all credits become invalid
- Re-registration: Required to attempt all papers again for certification
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What is the passing criteria for JAIIB 2026 exam?
To pass the JAIIB exam, candidates must meet the minimum criteria set by the Indian Institute of Banking and Finance (IIBF). A candidate should score at least 50 marks out of 100 in each paper. However, candidates who score a minimum of 45 marks in each paper and maintain an overall average of 50% across all papers are also considered as passed. The detailed passing rules are given below.
| 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 |
What is the class of pass in the JAIIB exam?
The class of a candidate in the JAIIB exam is decided based on overall performance and marks scored. Candidates who achieve higher aggregate marks in their first physical attempt are awarded First Class or First Class with Distinction, while those who simply qualify the exam fall under Pass Class.
- First Class: 60% aggregate marks + pass all subjects in the first physical attempt.
- First Class with Distinction: 70% aggregate marks + minimum 60 marks in each paper + clear all subjects in the first physical attempt.
- Pass Class: Given to candidates who pass the exam but do not meet the First Class or Distinction criteria.
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What is the maximum number of attempts allowed for the JAIIB exam?
To help banking professionals stay updated and complete the JAIIB certification on time, the IIBF has fixed a limit on the number of exam attempts. From the date of registration, candidates can appear for the exam up to 5 times within a period of 3 years. If they use all 5 attempts or the 3 year period is over, they will need to register again to continue the exam process.
| Rule | Details |
|---|
| Maximum Attempts Allowed | 5 |
| Time Limit to Complete JAIIB | 3 years from first registration |
| Attempts Need Not Be Consecutive | Yes |
| Counted Attempts | All registered attempts, including absenteeism |
| After Limit Exhausted | Re-registration required as fresh candidate |
| Usual Exam Opportunities | 6 cycles in 3 years (2/year) |
Key Takeaways
| Topic | Key Takeaways |
|---|
| Exam Overview | JAIIB is conducted by IIBF twice a year to assess banking knowledge; online CBT with 4 compulsory papers. |
| Number of Papers | 4 papers: IE & IFS, PPB, AFM, RBWM; 100 questions, 100 marks, 2 hours each. |
| Exam Pattern | MCQs including case-based & numerical questions; no negative marking; assessment on basic knowledge, application, and problem-solving. |
| Passing Criteria | 50 marks per paper or 45 per paper with 50% aggregate; credits retained for 5 attempts/3 years. |
| Class of Pass | First Class (60% aggregate), First Class with Distinction (70% aggregate + 60+ marks per paper), Pass Class (others). |
| Attempt Limit | Maximum 5 attempts within 3 years; re-registration required after limit. |
| Preparation Tips | Understand syllabus, focus on numericals (AFM), case studies (PPB & RBWM), strengthen basics, practice past papers, make quick notes, stay updated, revise smartly. |
| Key Subjects & Modules | IE & IFS: Economy & financial system; PPB: Banking operations & ethics; AFM: Accounting & financial management; RBWM: Retail banking & wealth management. |
