JAIIB Notification: Every year, the Indian Institute of Banking and Finance conducts the JAIIB Exam to help banking professionals advance their careers and gain salary increments. The JAIIB exam is held twice a year, and the May 2025 cycle has already been completed. The registration process for the November 2025 cycle is expected to begin in August 2025.
In this blog, we have covered all the important information about JAIIB 2025, including exam dates, eligibility criteria, syllabus, fees, and the registration process, to help you plan your preparation effectively and earn the JAIIB Certified designation.
JAIIB Notification 2025
Newly recruited bankers who aim to accelerate their career growth in the banking sector are encouraged to appear for the JAIIB examination, conducted by the Indian Institute of Banking & Finance (IIBF). The JAIIB certification not only strengthens a candidate's understanding of fundamental banking concepts but also provides a gateway to faster promotions, higher responsibilities, and salary increments as per industry standards. The JAIIB November 2025 registration will start from 1st August 2025, and the registration process will continue until 21st August 2025.
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JAIIB Exam 2025 Overview
The JAIIB Examination is conducted twice a year by the Indian Institute of Banking & Finance (IIBF). The JAIIB 2025 registration dates and exam schedule have been released along with the official JAIIB Notification. Further details related to the JAIIB November 2025 exam are provided below.
| Particulars | Details |
|---|
| Exam Name | JAIIB (Junior Associate of the Indian Institute of Bankers) |
| Conducting Body | Indian Institute of Banking & Finance (IIBF) |
| JAIIB Eligibility | Banking professionals, Members of IIBF |
| JAIIB Exam Date & Registration Dates | Announced |
| Mode of JAIIB Exam | Online |
| JAIIB Subjects | 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 | Multiple choice questions (MCQs) |
| Official Website | IIBF |
JAIIB 2025 Important Dates
The JAIIB Examination is conducted twice a year, and for 2025, the JAIIB May cycle has already been completed. The important dates for the upcoming JAIIB November 2025 cycle, for which registration begins on 1st August 2025, are as follows:
| Event | Dates (November) |
|---|
| JAIIB Application Start Date | 1st August 2025 |
| JAIIB Application End Date | 21st August 2025 |
| JAIIB Exam Date | 2nd, 8th, 9th and 16th November 2025 |
JAIIB Application Process
To apply for the JAIIB (Junior Associate of Indian Institute of Bankers) exam conducted by the Indian Institute of Banking & Finance (IIBF), candidates must first obtain an IIBF membership and then complete the JAIIB exam application form. The step-by-step process for both IIBF membership registration and the JAIIB application is provided below:
IIBF Membership Registration Process
Before applying for JAIIB, candidates must be a registered member of IIBF.
| Action | Details |
|---|
| Visit IIBF Website | Go to the official website at www.iibf.org.in |
| Apply for Membership | Navigate to ‘Membership then Apply for Membership' |
| Select Membership Type | Choose Ordinary Membership (for bankers) or Student Membership |
| Fill Application Form | Enter personal, educational, and employment details |
| Upload Documents | Upload photograph, signature, and ID/employment proof |
| Pay Membership Fee | Use net banking, UPI, or card to complete payment |
| Receive Membership No. | Membership number and login details are sent via email/SMS |
JAIIB Exam Application Process
Once you have your membership number, follow the steps below to apply for the JAIIB November 2025 exam:
| Action | Details |
|---|
| Visit IIBF Website | Go to the official website at www.iibf.org.in |
| Login | Use your membership number and password to log in |
| Go to Apply Online | Click on ‘Examinations/Courses then Apply Online' |
| Select Exam | Choose JAIIB from the list of available courses |
| Choose Exam Centre | Select your preferred exam centre or mode (if applicable) |
| Confirm Details | Fill in all required exam and personal information |
| Pay Exam Fee | Make payment via debit card, credit card, UPI, or net banking |
| Download Confirmation | Save the transaction slip and confirmation for records |
JAIIB Application Fees 2025
To apply for the JAIIB Examination 2025, candidates must be registered members of the Indian Institute of Banking & Finance (IIBF). The application fee varies based on the number of attempts and the registration date. Below is the detailed fee structure:
JAIIB 2025 Registration Dates & Late Fees
The details of the IIBF JAIIB Registration Fees details are as follows:
| Registration Window | Applicable Fee |
|---|
| 01 August – 07 August 2025 | Normal Examination Fee |
| 08 August – 14 August 2025 | Normal Fee + ₹100 Late Fee |
| 15 August – 21 August 2025 | Normal Fee + ₹200 Late Fee |
JAIIB Examination Fee for Members
The details of the JAIIB Examination Fees are as follows:
| Attempt | Fee (₹) |
|---|
| First Attempt | ₹4,000 + GST |
| Second Attempt | ₹1,300 + GST |
| Third Attempt | ₹1,300 + GST |
| Fourth Attempt | ₹1,300 + GST |
| Fifth Attempt | ₹1,300 + GST |
JAIIB Eligibility 2025
To be eligible for the JAIIB Exam 2025, candidates must meet the complete JAIIB eligibility criteria. Check out the eligibility below:
| Category | Eligibility Criteria |
|---|
| Membership Type | Open to Ordinary Members of the Indian Institute of Banking & Finance (IIBF) |
| Industry Requirement | Candidates must be employed in the banking and finance industry |
| Institutional Affiliation | Membership is available to employees of Institutional Members of IIBF |
| Educational Qualification | Must have passed the 12th standard (10+2) or equivalent in any discipline |
| Special Exception (Bank Staff) | Clerical or Supervisory Staff in banks may be eligible even without 12th pass, if recommended by their Branch Manager |
| Subordinate Staff | Subordinate staff of recognized banks/financial institutions in India can apply if: • They are IIBF members • They have passed 12th standard or equivalent |
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JAIIB Notification 2025 Exam Structure
The JAIIB Notification 2025 consists of the exam structure. Generally, the exam consists of the following:
| Component | Details |
|---|
| Mode of Exam | Online |
| Duration | 2 hours for each paper |
| Number of Papers | 4 Papers Paper I: Indian Economy & Financial System Paper II: Accounting & Financial Management of Banking Paper III: Principles & Practices of Banking Paper IV: Retail Banking & Wealth Management |
| Type of Questions | Multiple Choice Questions (MCQs) |
| Number of Questions | 100 per paper |
| Total Marks | 100 marks for each paper |
| Negative Marking | There will be no negative marking for wrong answers. |
JAIIB Exam Pattern 2025
The details of the JAIIB Exam Pattern are as follows:
| 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 Financial Management for Bankers | 100 | 100 | 2 hours |
| Retail Banking & Wealth Management | 100 | 100 | 2 hours |
JAIIB Syllabus 2025
The JAIIB exam consists of four papers, with each paper divided into four comprehensive modules. Below is the detailed JAIIB Syllabus for each paper:
| Papers | Topics Covered |
|---|
| Indian Economy & Indian Financial System | Module A: Indian Economic Architecture
Module B: Economic Concepts Related to Banking
Module C: Indian Financial Architecture
Module D: Financial Products and Services |
| Principles & Practices of Banking | Module A: General Banking Operations
Module B: Functions of Banks
Module C: Banking Technology
Module D: Ethics in Banks and Financial Institutions |
| Accounting & Financial Management for Bankers | Module A: Accounting Principles and Processes
Module B: Financial Statements and Core Banking Systems
Module C: Financial Management
Module D: Taxation and Fundamentals of Costing |
| Retail Banking & Wealth Management | Module A: Introduction to Retail Banking
Module B: Retail Products and Recovery
Module C: Support Services – Marketing of Banking Services/Products
Module D: Wealth Management |
JAIIB Salary Increment
Clearing the JAIIB Examination not only enhances your banking knowledge but also brings significant monetary benefits. The table below provides an approximate breakdown of the salary increment received by Probationary Officers and Clerks after qualifying JAIIB and CAIIB, as per industry standards.
| Characteristic | Probationary Officer | Clerk |
|---|
| JAIIB Increment (Approx.) | ₹2,000 | ₹1,340 |
| CAIIB Increment (Approx.) | ₹4,000 | ₹2,680 |
| Total Monthly Increment (Approx.) | ₹6,000 | ₹4,020 |
| Annual Increment (Approx.) | ₹72,000 | ₹48,240 |
How to Prepare for JAIIB 2025?
Preparing for JAIIB Exam 2025 requires a strategic approach, a clear understanding of the syllabus, and consistent practice to crack all papers with confidence. Here are some tips to help you:
- Leverage YouTube Lectures: Use free platforms like Oliveboard's YouTube channel for topic-wise video explanations.
- Make Short Notes: Create concise, handwritten notes during lectures for quick revision and better retention.
- Master Concepts First: Focus on building a strong conceptual foundation before jumping into questions.
- Review Previous Year Questions (PYQs): Analyze memory-based questions to understand exam trends and difficulty levels.
- Attempt Regular Mock Tests: Improve your speed, accuracy, and familiarity with the JAIIB exam format through timed practice.
- Adopt a Smart Study Strategy: Prioritize clearing the exam efficiently over aiming for high scores—study strategically.
- Use Chapter-Wise Question Banks: Practice from relevant books with chapter-wise question sets to reinforce learning.
- Combine Video Learning with Books: After watching lectures, refer to standard books for deeper insights and clarification.
- Refer to Topic Summaries: Use chapter overviews or summary videos to simplify complex topics.
- Stay Consistent & Positive: Maintain a disciplined study routine, stay confident, and focus on progress not just results.
JAIIB 2025 Admit Card
After completing the application process, candidates will be able to download their JAIIB admit card from the official IIBF website. The admit card is a mandatory document for appearing in the JAIIB exam. It will contain details such as the exam date, exam center, and candidate's personal information.
Steps to Download JAIIB Admit Card
Here are the simple steps to download your JAIIB Admit Card 2025
- Visit the official IIBF website.
- Log in with your registered Member Number and Password.
- Navigate to the "Download Admit Card" section.
- Select the correct exam session.
- Review the details on the admit card.
- Click "Download" to save the admit card.
- Print the admit card for exam day.
- Check for errors and contact IIBF if necessary.
JAIIB 2025 Result
After the exam, IIBF will announce the JAIIB 2025 results on their official website. Candidates can check their scores by logging into their accounts. The result will display marks obtained in each paper as well as the overall performance.
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