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JAIIB 2023 Exam Pattern - Complete Details

IIBF conducts JAIIB Examination to recruit Junior Associates of the 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. IIBF has announced the registration and exam dates for JAIIB May 2023 cycle and JAIIB October 2023 cycle on their official website. If you have registered for the exam or are interested in knowing more about the JAIIB 2023 Exam Pattern read ahead!

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JAIIB Exam Pattern

The JAIIB examination pattern has been officially released. According to the updated exam pattern, JAIIB 2023 will have four papers. The details of the JAIIB Exam Pattern are mentioned below:

The JAIIB Examination has four papers

  1. Indian Economy and Indian Financial System
  2. Principles and Practices of banking
  3. Accounting and Finance for Bankers
  4. Retail Banking and Wealth Management

JAIIB Exam Type

  1. It is an objective type examination.
  2. Each paper has 100 questions.
  3. The total marks of each paper are 100.
  4. The time limit of the examination is 120 minutes.
SubjectsNo. of QuestionsTotal MarksDuration
Indian Economy & Indian Financial System1001002 hours
Principles & Practices of Banking1001002 hours
Accounting and Finance for Bankers1001002 hours
Retail Banking & Wealth Management1001002 hours

Marking scheme of JAIIB Examination 

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

  • There will be no negative marking.
  • The minimum mark for passing in each subject will be 50 out of 100.
  • Candidates that secure at least 45 marks in each subject with an aggregate of 50% marks in all subjects of the examination in a single attempt will also qualify.
  • Each paper is of 100 marks.

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Passing criteria of JAIIB examination 

The following are the salient points in terms of the number of attempts and time frame to clear this exam:

  • A candidate can avail 5 attempts for completion of each exam (JAIIB / DB&F / SOB / CAIIB) but, within a maximum period of three years whichever is earlier.
    • This attempt will be counted from the time the candidate registers for the exam.
    • These 5 attempts need not be consecutive.
  • Candidates unable to pass the examination within 3 years or 5 attempts, whichever is earlier, will need to re-enroll themselves afresh. Such candidates will not receive credit/s for subject/s passed, if any, earlier.
  • The time limit of 3 years or 5 attempts, whichever is earlier, will start from the date of registration for the first attempt.
  • Attempts will be counted when the candidate applies for the exam, irrespective of whether the candidate appears for any examination or not.
  • A candidate will be eligible to apply for any five examinations out of the six examinations within the stipulated period of three years.
  • If a candidate avails of all five attempts before the completion of three years, they will have to re-enroll afresh. Similarly, if a candidate does not avail five attempts but three years are over, they will have to re-enroll themselves afresh.

JAIIB Exam Syllabus 2023 

The syllabus of JAIIB is as prescribed by IIBF. They have released an updated syllabus for JAIIB 2023. Each of the papers is further divided into 4 modules, the details of which are presented below in a tabular format.

ModulePaper I-
Indian Economy &
Indian Financial
System
Paper II-
Principles & Practices of
Banking
Paper III-
Accounting & Financial Management for
Bankers
Paper IV-
Retail Banking & Wealth Management
AIndian Economic
Architecture
General
Banking Operations
Accounting Principles
and Processes
Introduction to Retail
Banking
BEconomic Concepts Related to bankingLending Operations of
Banks
Financial Statements
and Core Banking Systems
Retails Products and
Recovery
CIndian Financial
Architecture
Banking TechnologyFinancial ManagementSupport Services – Marketing of Banking Services / Products
DFinancial Products
and Services
Ethics in Banks and Financial InstitutionsTaxation and Fundamentals of
Costing
Wealth Management

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JAIIB 2023 Syllabus for Paper I - Indian Economy and Indian Financial System

The JAIIB paper I is Indian Economy and Indian Financial System. IIBF has not released a detailed syllabus as of yet. However, here, we will provide a rough idea of the syllabus you can expect for this paper.

ModuleSyllabus
Module A- Indian Economic Architecture
  • The fundamentals of Economics:
  • Macroeconomics
  • Indian Economy
Modules B- Economic Concepts Related to Banking
  • Money and Banking
  • Functions of Money
  • Demand for Money and Supply of Money
  • Demand for Money
  • Supply of Money
  • Money Creation by Banking System
  • Balance Sheet of a Fictional Bank
  • Limits to Credit Creation and Money Multiplier
  • Policy Tools to Control Money Supply
Module C- Indian Financial Architecture
  • Financial System
  • Financial Markets
Module D- Financial Products and Services
  • Types of Financial Services:
  • Banking
  • Professional Advisory
  • Wealth Management
  • Mutual Funds
  • Insurance
  • Stock Market
  • Treasury/Debt Instruments
  • Tax/Audit Consulting
  • Capital Restructuring
  • Portfolio Management

JAIIB 2023 Syllabus for Paper II - Principles and Practices of Banking

The syllabus of JAIIB paper II for all modules is discussed here. Paper 2 is Principles and Practices of Banking. This table shows the syllabus for the previous Paper I, ie., Principles and Practiced of Banking, which is now Paper II. The paper is divided into 4 modules. 

ModuleSyllabus
Module A- General Banking OperationsTo be Updated
Modules B- Lending Operations of Banking
  • Banker 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 various types of customers,
  • Ancillary Services,
  • Cash Operations,
  • Principles of lending,
  • Working Capital Assessment and Credit Monitoring,
  • Priority Sector Advances,
  • Agricultural Finance,
  • Micro, Small and Medium Enterprises,
  • Government Sponsored Schemes,
  • Self Help Groups,
  • Credit Cards,
  • Home Loans,
  • Personal Loans,
  • Consumer Loans,
  • Documentation,
  • Different Modes of Charging Securities,
  • Types of collaterals and their characteristics,
  • Non-Performing Assets,
  • Financial Inclusion,
  • Financial Literacy
Module C- Banking Technology
  • Essentials of Bank Computerization,
  • Payment Systems and Electronic Banking,
  • Data Communication Network and EFT systems,
  • Role of Technology Upgradation and its impact on Banks,
  • Security Considerations,
  • Overview of IT Act,
  • Preventive Vigilance in Electronic Banking
Module D- Ethics in Bank and Financial Institutions
  • Ethics, Business Ethics and Banking, An integrated Perspective
  • Ethical Dimensions, Employees
  • Ethics at the Individual Level
  • Banking Ethics, Changing Dynamics
  • Work Ethics and the Workplace

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JAIIB 2023 Syllabus for Paper III - Accounting and Financial Management for Bankers

The syllabus for the Paper III i.e., Accounting and Finance for Bankers is given below. 

ModuleSyllabus
Module A- Accounting Principles and Processes
  • Definition, Scope, and Accounting Standards
  • Basic Accounting Procedures
  • Bank Reconciliation Statement
  • Advantages of Bank Reconciliation Statement
  • Bills of Exchange
  • Depreciation and its Accounting
Modules B- Financial Statements and Core Banking Systems
  • Preparation of Final Accounts
  • Company Accounts
  • Overview of the Indian Banking System
  • Banking Operations
Module C- Financial Management
  • Overview of Financial Management
  • Tools for Financial Analysis and Planning
  • Cost of Capital
  • Capital Budgeting
Module D- Taxation and FUndamentals of Costing
  • Basics of Taxation
  • Direct and Indirect Taxes
  • Income Tax
  • Fundamentals of CostingNon-Performing

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JAIIB 2023 Syllabus for Paper IV - Retail Banking and Wealth Management

Oliveboard has compiled a tentative syllabus for Retail Banking and Wealth Management which is the new Paper IV for JAIIB 2023. 

Module A: Introduction to Retail Banking
  • History and definition
  • Role within the bank operations
  • Applicability of retailing concepts
  • Distinction between Retail and Corporate/ Wholesale Banking.

Module B: Retail Products and Recovery

 

  • Retail Products Overview
  • Important Asset Products
  • Auto/ Vehicle Loans
  • Personal Loans
  • Credit and Debit Cards
  • Reverse Mortgage
  • Recovery of Retail Loans

Module C: Support Services- Marketing of Banking Services and Products

 

  • Marketing in Retail Banking
  • Retail Strategies
  • Delivery Channels
  • Customer Relationship Management

Module D: Wealth Management

 

 

  • Fund Distribution
  • Loan Management
  • Real Estate
  • Risk Management
  • Tax Laws
  • Banking and Insurance Products
  • Debt Management
  • Investment Vehicles
  • Tax Planning
  • Real Estate
  • Client Evaluation Methods
  • Fixed Income Money Markets
  • Equity and Debt Markets
  • Banking Products
  • Mutual Fund Basic and Structure
  • Foreign Exchange
  • Legal and Regulatory Framework
  • Banking Channels

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FAQs

How many papers are there in JAIIB exam?

There are four papers in the JAIIB exam which are Indian Economy and Indian Financial System, Principles and Practices of Banking, Accounting and Finance for Bankers, and Retail Banking and Wealth Management.

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 October.

How many attempts are there for JAIIB? +

JAIIB can be attempted by the candidates within 3 years or 5 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.

Will there be any negative marking in JAIIB? +

JAIIB will NOT have any negative marking

Will JAIIB be conducted in 2023? +

Yes, JAIIB will be conducted in 2023. IIBF has announced the registration and exams dates for both the May 2023 cycle and October 2023 cycle of JAIIB.

When will the JAIIB May 2023 cycle registration begin? +

The registration for the JAIIB May 2023 cycle will begin on 1st March 2023. It will be open for a duration of 3 weeks.

When will the JAIIB May 2023 cycle registration close? +

The JAIIB May 2023 cycle registration will close on 21st March 2023.

When will the JAIIB October 2023 cycle registration start? +

The registration process for JAIIB October 2023 cycle will begin on 1st August 2023.

When will the registration process for JAIIB October 2023 cycle close? +

The registration process for JAIIB October 2023 cycle will close on 21st August 2023.

What are the exam dates for the JAIIB May 2023 cycle? +

The following are the JAIIB May 2023 cycle:
1. Indian Economy and Indian Financial System: 7th May 2023
2. Principles and Practices of Banking: 13th May 2023
3. Accounting and Financial Management for Bankers: 14th May 2023
4. Retail Banking and Wealth Management: 21st May 2023

What are the exam dates for the JAIIB October 2023 cycle? +

The following are the JAIIB October 2023 cycle:
1. Indian Economy and Indian Financial System: 8th October 2023
2. Principles and Practices of Banking: 14th October 2023
3. Accounting and Financial Management for Bankers: 15th October 2023
4. Retail Banking and Wealth Management: 29th October 2023

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