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JAIIB Exam Pattern 2025 for IE & IFS, AFM, RBWM & PPB

Updated on Jul 09, 2025 18:10 IST

Table of Content +

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.

ParticularsDetails
Conducting BodyIndian Institute of Banking & Finance (IIBF)
Exam ModeOnline (Computer-Based Test)
Exam LevelNational
EligibilityCandidates working in banks & financial institutions and who are IIBF members
Exam FrequencyTwice a Year (May & November)
Official Websiteiibf.org.in

 

Attempt free JAIIB Mock Test

 

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
1Indian Economy & Indian Financial System (IE & IFS)
2Principles & Practices of Banking (PPB)
3Accounting & Financial Management for Bankers (AFM)
4Retail 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

FeatureDetails
Total Questions100 objective-type MCQs per paper
Total Marks100 marks per paper
Case-Based QuestionsYes, included in all subjects
Numerical Input QuestionsPresent in papers like AFM
Exam ModeOnline (CBT)
Negative MarkingNo negative marking
Assessment AreasBasic knowledge, application skills, case handling, and numerical aptitude

 

Attempt JAIIB Previous Year Papers

 

JAIIB Exam Structure 2025

 

Each of the four compulsory papers includes 100 multiple choice questions worth 100 marks.

Paper NameTotal MarksExam DurationPassing Marks
Indian Economy & Indian Financial System (IE & IFS)1002 Hours50 (or 45 with 50% aggregate)
Principles & Practices of Banking (PPB)1002 Hours50 (or 45 with 50% aggregate)
Accounting & Financial Management for Bankers (AFM)1002 Hours50 (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:

ComponentDetails
Question FormatMCQs including case-based and numerical questions
Total Questions per Paper100 questions
Marks per Question1 mark
Exam Duration2 hours per paper
Negative MarkingNo
Minimum Pass Marks50 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 NameCredit 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:

  1. 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).
  2. The 3-year time limit will still be calculated from the date of your first registration under the old syllabus.
  3. 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:

ConditionRequirement
Minimum Marks per Subject50 out of 100
Alternate Passing Option45 per paper + 50% aggregate in one attempt
Credit RetentionAllowed within the attempt/time window

JAIIB Class of Passing

 

The details of the class of Passing the JAIIB 2025 examination are as follows:

ClassEligibility
First Class60% aggregate + pass all subjects in first physical attempt
First Class with Distinction70% aggregate + min 60 in each paper + first physical attempt
Pass ClassApplies 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.

RuleDetails
Maximum Attempts Allowed5
Time Limit to Complete JAIIB3 years from first registration
Attempts Need Not Be ConsecutiveYes
Counted AttemptsAll registered attempts, including absenteeism
After Limit ExhaustedRe-registration required as fresh candidate
Usual Exam Opportunities6 cycles in 3 years (2/year)

 

JAIIB 2025 Detailed Topics and Module List

 

The details of the JAIIB syllabus are as follows:

PaperModules
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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