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JAIIB Exam Pattern - Complete Details

IIBF conducts JAIIB Examination to recruit Junior Associate of Indian Institute of Bankers. This examination is conducted for candidates who are already working in the banking sector and are members of the institute. The recruitment is not open to the common public. If you have registered for the exam or are interested in the JAIIB Exam Pattern, continue reading this article.

JAIIB Exam Pattern

The JAIIB examination pattern has been officially released. There will be three papers in the examination. The details of the JAIIB Exam Pattern are mentioned below:

The JAIIB Examination has three papers

  1. Principles and Practices of banking.
  2. Accounting and Finance for Bankers
  3. Legal and Regulatory Aspects of Banking.

JAIIB Exam Type

  1. It is an objective type examination.
  2. Each paper has 120 questions.
  3. The total marks of each paper are 100.
  4. The time limit of the examination is 120 minutes.
SubjectsNo. of QuestionsTotal MarksDuration
Principles & Practices of Banking1201002 hours
Accounting and Finance for Bankers1201002 hours
Legal and Regulatory Aspects of Banking1201002 hours

Marking scheme of JAIIB Examination 

The marking scheme of the Junior Associate of Indian Institute of Bankers Examination is mentioned below:

  1. No negative marking for wrong answers.
  2. Candidates need to score 50% marks in each paper to qualify.
  3. Candidates will be declared qualified if they score 45% marks in each paper and 50% in aggregate in a single attempt.
  4. Each paper is of 100 marks.

Passing criteria of JAIIB examination 

The Passing criteria of JAIIB exam is mentioned below:

  1. A candidate must pass the examination within two consecutive attempts.
  2. The time limit will be calculated from the date of application for the examination. Even you miss the examination. It will be counted as an attempt made.
  3. Candidates will have to re-enrol if they do not clear the examination in the permitted number of attempts.

JAIIB Exam Syllabus 2021 

There will be three papers in the JAIIB examination, and each paper is divided into 4 modules. The syllabus of the papers is mentioned below:

JAIIB Exam Syllabus: Paper I

The Paper I is Principles and Practices of Banking. Below is the syllabus for Paper-I

ModuleSyllabus
Module- A Indian Financial SystemIndian Financial System – An Overview Banking Regulation, Wholesale and International Banking, Retail Banking. Role of Money Markets, Debt Markets & Forex Market, Functions and roles  of Capital Markets, SEBI, Insurance Companies and Mutual Funds, Bancassurance and IRDA, Factoring Forfaiting Services & Off-Balance Sheet items, Risk Management, Basel Accords, CIBIL, Fair Practices Code for Debt Collection, BCSBI, Recent Developments in the Financial System
Module- B Functions of BanksBanker- Customer Relationship, KYC / AML / CFT norms, Bankers' Special Relationship, Consumer Protection – COPRA, Banking Ombudsman Scheme, Payment and Collection of Cheques and Other Negotiable Instruments, Opening accounts of different customers, Ancillary Services, Cash Operations, Principles of lending, Working Capital Assessment & Credit Monitoring, Priority- Sector Advances, Agricultural Finance, Micro, Small, and Medium Enterprises, Government Sponsored Schemes, Self Help Groups, Credit Cards, Personal Loans, Home Loans, Consumer Loans, Documentation, Different Modes of Charging Securities, Types of collaterals & their characteristics, Non Performing Assets, Financial Inclusion, Financial Literacy
Module- C Banking TechnologyEssentials of Bank Computerization, Payment Systems & Electronic Banking, Data Communication Network & EFT systems, Role of Technology Upgradation and its impact on Banks, Security Considerations, Overview of IT Act, Preventive Vigilance in Electronic Banking
Module- D Support Services, Marketing of BankingServices/ Products, Marketing- Introduction, Social Marketing / Networking, Consumer Behaviour and Product, Pricing, Distribution Channel Mgt., Promotion, Role of Direct Selling Agents and Direct Marketing Agents in a Bank, Marketing Information Systems – a longitudinal analysis

JAIIB Exam Syllabus: Paper-II

Paper-II is Accounting & Finance for banks. Below is the syllabus for Paper- II

ModuleSyllabus
Module A – Finance and Business MathematicsCalculation of Interest and Annuities, Calculation of YTM, Capital Budgeting, Depreciation and its Accounting, Foreign Exchange Arithmetic
Modules B –Bookkeeping and Accounting PrinciplesDefinition, Scope and Accounting Standards, Basic Accounting Procedures, Maintenance of Cash, Subsidiary Books, and Ledger, Bank Reconciliation Statement, Trial Balance, Rectification of Errors, Adjusting & Closing Entries, Capital and Revenue Expenditure, Bills of Exchange
Module C – Final AccountsBalance Sheet Equation, Preparation of Final Accounts, Final Accounts of Banking Co, Ratio Analysis, Company Accounts I and II, Computerized Environment Accounting
Module D – Banking OperationsBanking Operations and Accounting Functions

JAIIB Exam Syllabus: Paper III

The Paper- III is Legal & Regulatory Aspects of Banking. The syllabus of Paper- III is provided below.

ModuleSyllabus
Module A –
Regulations & Compliance
Legal Framework of Regulation of Banks, Control over Organization of Banks, Regulation of Banking Business, Winding-up, Returns Inspection, Mergers and Acquisitions, Public Sector and Co-operative Banks, Financial Sector-Legislative Reforms, Legislative Changes in RBI Act, The Financial Sector Development Council
Modules B – Legal Aspects in Banking OperationsDifferent Types of Borrowers, Types of Credit Facilities, Unsecured and secured Loans, Registration of Firms & Incorporation of Companies, Bank Guarantees, Indemnities, Deferred Payment Guarantees, Letters of Credit, Laws Relating to Bill Finance Types of Securities, Laws Relating to Securities & Modes of Charging-I, Laws Relating to Securities & Modes of Charging- II, Case Laws on Responsibility – Paying Bank. Case Laws on Responsibility –  Collecting Bank
Module C – Banking LawsRecovery of Debts due to Banks and Financial Institutions Act, 1993 (DRT Act) SARFAESI, Bankers Books Evidence Act, 1891, Banking Ombudsman Scheme, The Consumer Protection Act, 1986 and CERSAI, The Legal Services Authorities Act 1987The Law of Limitation, Taxation Laws, Negotiable Instruments Act, 1881, Payment & Settlements Systems Act, 2007
Module D-  Banking Operations- commercial laws Indian Contract Act, 1872, Indian Partnership Act,  1932, Sale of Goods Act, 1930, Definition & features of a Company, The Companies Act, 1956, Transfer of Property Act, 1882, Foreign Exchange Management Act, 1999, RTI Act, 2005, Right to Information & Obligation of Public Authorities, Prevention of Money Laundering Act, 2002, Information Technology Act, 2000

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FAQs

How many papers are there in JAIIB exam?

There are three papers in the JAIIB exam which are Principles and Practices of Banking, Accounting and Finance for Bankers, and Legal and Regulatory Aspects of Banking.

How many times is JAIIB conducted in a year? +

JAIIB Exam is conducted two times in a year, once in the month of May and another in November.

How many attempts are there for JAIIB? +

JAIIB can be attempted by the candidates within 2 years or 4 consecutive attempts.

What is the Eligibility Criteria for JAIIB? +

A candidate who wishes to appear for the JAIIB exam must be registered as an ordinary member of the IIBF, He/She must have passed their 10+2 Boards or any other equivalent exams and must be working in any Bank or financial institute.

Can I give JAIIB and CAIIB together? +

No, you have to clear the JAIIB exam first. After that, you can appear for the CAIIB exam.

What is the age limit to apply for the JAIIB exam? +

For JAIIB Exam there is no age limit applicable.

What is the exam fee for JAIIB? +

The exam fees for the first attempt is Rs.2700 and for each successive attempt thereafter it is Rs.1300.

Can private bank employees give JAIIB? +

Yes, any employee working in either public or private sector bank is eligible to appear for JAIIB provided they must be registered as an ordinary member of the IIBF and have passed their 10+2 Board exam or any other equivalent exam.

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