JAIIB Exam Pattern: The Indian Institute of Banking & Finance (IIBF) conducts the JAIIB exam twice a year to evaluate the foundational banking knowledge of professionals. The exam covers key areas such as the financial sector's role in the economy, banking operations, accounting, financial management, retail banking, digital products, and customer relationship management essential for day-to-day banking functions.
The JAIIB exam is conducted in May and November every year. The May 2025 cycle has been completed, and the November–December 2025 cycle is scheduled to begin from 09th November 2025.
In this blog, we have provided the detailed JAIIB exam pattern, subject-wise structure, marking scheme, and other key information to help you prepare effectively.
JAIIB Exam Pattern
The JAIIB Exam consists of four compulsory papers, each containing 100 multiple-choice questions (MCQs). Each paper is of 2 hours duration and is conducted in an online format.
| Particulars | Details |
|---|
| Conducting Body | Indian Institute of Banking & Finance (IIBF) |
| Exam Mode | Online (Computer-Based Test) |
| Exam Level | National |
| Eligibility | Candidates working in banks & financial institutions and who are IIBF members |
| Exam Frequency | Twice a Year (May & November) |
| Official Website | iibf.org.in |
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JAIIB Papers 2025
The JAIIB Exam includes four compulsory papers, aimed at strengthening conceptual and practical knowledge of banking and finance.
| Paper No. | Paper Name |
|---|
| 1 | Indian Economy & Indian Financial System (IE & IFS) |
| 2 | Principles & Practices of Banking (PPB) |
| 3 | Accounting & Financial Management for Bankers (AFM) |
| 4 | Retail Banking & Wealth Management (RBWM) |
JAIIB Exam Pattern 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. The candidates should also check out JAIIB Syllabus.
| 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 |
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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) | | | |
JAIIB Marking Scheme & Credit Limit
The JAIIB 2025 exam follows the below mentioned marking scheme:
| 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 |
JAIIB Credit Limit Policy
The JAIIB Credit Limit Policy defines the rules for retaining passed subjects across multiple attempts and exam cycles. It ensures that candidates do not need to reattempt subjects they've already cleared, provided they complete the full certification within the stipulated time and attempt limits.
| Paper Name | Credit Status |
|---|
| Principles & Practices of Banking (PPB) | Credit Allowed |
| Accounting & Financial Management for Bankers (AFM) | Credit Allowed |
| Indian Economy & Indian Financial System (IE & IFS) | No Credit Allowed |
| Retail Banking & Wealth Management (RBWM) | No Credit Allowed |
Note:
- Candidates must complete all four subjects within the 3-year window or 5 attempts, whichever is earlier.
- If all four papers are not cleared within this time, previously passed subjects will no longer remain valid.
- Credit retention is only applicable within the defined validity period. Post expiry, a fresh registration and clearing of all four papers is mandatory.
Credit Validity Rules for Old Syllabus Candidates
If you passed some subjects under the old syllabus and are now appearing under the revised syllabus, the following rules apply:
- If you used 3 attempts under the old syllabus, you will be given 2 additional attempts under the revised syllabus (making a total of 5).
- The 3-year time limit will still be calculated from the date of your first registration under the old syllabus.
- Credit is retained only within this combined time and attempt limit.
JAIIB Passing Criteria & Class of Passing
The details of the JAIIB passing criteria are as follows:
| Condition | Requirement |
|---|
| Minimum Marks per Subject | 50 out of 100 |
| Alternate Passing Option | 45 per paper + 50% aggregate in one attempt |
| Credit Retention | Allowed within the attempt/time window |
JAIIB Class of Passing
The details of the class of Passing the JAIIB 2025 examination are as follows:
| Class | Eligibility |
|---|
| First Class | 60% aggregate + pass all subjects in first physical attempt |
| First Class with Distinction | 70% aggregate + min 60 in each paper + first physical attempt |
| Pass Class | Applies to all other successful candidates |
JAIIB Exam Attempts and Duration
To maintain the relevance of banking knowledge and encourage timely professional certification, the Indian Institute of Banking & Finance (IIBF) has introduced a structured attempt limit and time-bound validity for the JAIIB 2025 examination. Candidates must complete all four papers within a defined number of attempts and a fixed time frame to earn the certification successfully.
| 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) |
JAIIB 2025 Detailed Topics and Module List
The details of the JAIIB syllabus 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 |
JAIIB Exam Preparation Tips 2025
Some expert tips to ace the JAIIB exam are as follows:
- Understand the Syllabus: Cover all four papers thoroughly.
- Prioritize Numericals: Especially in AFM and case studies in PPB and RBWM.
- Conceptual Clarity: Build strong basics in banking, economy, and finance.
- Regular Practice: Attempt previous year papers and mock tests under timed conditions.
- Use Flash Notes: Summarize important facts, laws, and formulas.
- Stay Updated: Read about RBI policies, banking reforms, and financial news.
- Plan Revision Cycles: Revise each subject multiple times, focusing on weak areas.
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