JAIIB Exam 2025 - May and Nov attempts, Registration (Aug 1), Eligibility, Exam Dates, Syllabus & Pattern

JAIIB Exam 2025 - May and Nov attempts, Registration (Aug 1), Eligibility, Exam Dates, Syllabus & Pattern

Edited By Sansar Singh Chhikara | Updated on May 13, 2025 03:10 PM IST

JAIIB Exam 2025: JAIIB stands for Junior Associate of Indian Institute of Banking and Finance. The JAIIB course is a flagship course offered by the Indian Institute of Banking and Finance (IIBF). IIBF has already announced the JAIIB 2025 exam dates on its website. The JAIIIB exam is conducted two times in a year. The JAIIB May 2025 exams were conducted from May 5 to 18, 2025. The JAIIB exam 2025 has four subjects - Indian Economy & Indian Financial System, Principles & Practices of Banking, Accounting & Financial Management for Bankers and Retail Banking & Wealth Management. Candidates who are members of IIBF are eligible to take the JAIIB 2025 exam. Furthermore, candidates must also be class 12 passed to be eligible for the exam. Candidates must score minimum 50% marks in each subject to be deemed passed in the JAIIB exam.

This Story also Contains
  1. JAIIB Exam Dates 2025
  2. JAIIB Exam Eligbility 2025
  3. JAIIB Exam Registration 2025
  4. JAIIB Exam Syllabus 2025
  5. JAIIB Exam Pattern 2025
  6. JAIIB Exam Admit Card 2025
  7. JAIIB Exam Results 2025
JAIIB Exam 2025 - May and Nov attempts, Registration (Aug 1), Eligibility, Exam Dates, Syllabus & Pattern
JAIIB Exam 2025 - May and Nov attempts, Registration (Aug 1), Eligibility, Exam Dates, Syllabus & Pattern

The JAIIB November 2025 registration will begin from August 1, 2025. Candidates can also complete the JAIIB 2025 exam registration with a late fee of Rs 100 and 200 till August 21, 2025. The JAIIB exam result May 2025 will be declared tentatively after 45 days from the date of the exam. Read the complete article to know more about the JAIIB exam, eligibility criteria, exam registration, etc.

JAIIB Exam Dates 2025

Event

May 2025November 2025

JAIIB exam registration window

February 4 to 10, 2025

August 1 to 7, 2025

Registration last date with late fee of Rs 100

February 17, 2025

August 14, 2025

Registration last date with late fee of Rs 200

February 24, 2025

August 21, 2025

JAIIB exam admit card 2025

To be notified

To be notified

JAIIB Indian Economy & Indian Financial System exam

May 4, 2025

November 2, 2025

JAIIB Principles & Practices of Banking exam

May 10, 2025

November 8, 2025

JAIIB Accounting & Financial Management for Bankers exam

May 11, 2025

November 9, 2025

JAIIB Retail Banking & Wealth Management exam

May 18, 2025

November 16, 2025

JAIIB Result 2025

Last week of June 2025

Last week of December 2025

JAIIB Exam Eligbility 2025

Candiadtes planning to take the JAIIB exam must fulfill the eligibility criteria specified by the authorities. The JAIIB exam eligibility criteria 2025 will specify the conditions like age, educational qualification etc that candidates need to fulfill to appear for the exam. The detailed eligibility criteria of JAIIB exam 2025 has been given below:

JAIIB Eligiblity Criteria 2025

  • Candidate must be a member of the Indian Institute of Banking and Finance (IIBF).

  • Candidates must have completed their class 12 exam or equivalent from any discipline.

  • Candidates from clerical or supervisory staff cadre of banks who have not passed class 12, they can be allowed to give the exam on on the recommendation of the Manager of the bank/ officer-in-charge of the bank’s office where the candidate is working.

JAIIB Exam Registration 2025

Candidates willing to take the exam must complete the JAIIB 2025 exam registration. The JAIIB Nov 2025 registration window will open from August 1, 2025. The JAIIB exam application form November 2025 can be filled online at iibf.org.in. In case students are unable to fill the application forms before August 8, they will be able to complete their registrations with a late fee. The last dates for filling JAIIB Nov 2025 registration form with late fee of Rs 100 and 200 are August 14 and August 21. Candidates must first hold an IIBF membership. Candidates who hold IIBF membership can move on to JAAIB exam registration 2025. In the registration process, candidates will have to enter all the required personal, academic and communication details. Candidates will also be required to upload some necessary documents like photograph, signature etc. The final step in the JAIIB exam registration process 2025 is payment of the registration fee. The detailed registration fee of JAIIB exam 2025 has been given below:

JAIIB Exam Registration Fee 2025

Description

Fee

First attempt fee

Rs 4000

2nd attempt fee

Rs 1300

3rd attempt fee

Rs 1300

4th attempt fee

Rs 1300

5th attempt fee

Rs 1300

JAIIB Exam Syllabus 2025

There are total four subjects JAIIB exam syllabus. The four JAIIB exam subjects are Indian Economy & Indian Financial System, Principles & Practices of Banking, Accounting & Financial Management for Bankers and Retail Banking & Wealth Management. Candidates preparing for the exam must acquaint themselves with JAIIB Syllabus 2025. The JAIIB exam syllabus comprises of subject wise topics and sub-topics that will be covered in the exam. The detailed JAIIB exam syllabus 2025 has been given below:

Paper I – Indian Economy & Indian Financial System

Module A: Indian Economic Architecture

  • An overview of Indian Economy

  • Economic Planning in India

  • Sectors of the Indian Economy

  • Role of Priority Sector and MSME in the Indian Economy

  • Infrastructure including Social Infrastructure

  • Globalisation – Impact on India

  • Economic Reforms

  • Foreign Trade Policy, Foreign Investments and Economic Development

  • International Economic Organizations (World Bank, IMF etc.)

  • Climate change, Sustainable Development Goals (SDGs)

Module B: Economic Concepts Related To Banking

  • Fundamentals of Economics, Microeconomics, Macroeconomics and Types of Economies

  • Supply and Demand

  • Money Supply and Inflation

  • Theories of Interest

  • Business Cycles

  • Monetary Policy and Fiscal Policy

  • National Income and GDP Concepts

  • Union Budget

Module C: Indian Financial Architecture

  • Indian Financial System – An Overview

  • Indian Banking Structure

  • Banking Regulation Act, 1949 and RBI Act, 1934

  • Development Financial Institutions

  • Micro Finance Institutions

  • Non-Banking Financial Companies

  • Insurance Companies

  • Indian Financial System - Regulators & their roles

  • Reforms & Developments in the Banking sector

Module D: Financial Products And Services

  • Overview of Financial Markets

  • Money Markets and Capital Markets

  • Fixed Income Markets - Debt / Bond Markets

  • Capital Markets and Stock Exchanges

  • Forex Markets

  • Interconnection of various markets/Market Dynamics

  • Merchant Banking Services

  • Derivatives Market including Credit Default Swaps

  • Factoring, forfaiting & Trade Receivables Discounting System (TReDS)

  • Venture capital

  • Leasing and Hire Purchase

  • Credit Rating agencies & their functions

  • Mutual Funds

  • Insurance Products

  • Pension Funds (include APY, NPS)

  • Guidelines on Para Banking & Financial Services provided by Banks

  • Real Estate Investment Funds / Infrastructure Investment Fund (concept)

Paper II – Principles & Practices Of Banking

Module A: General Banking Operations

  • Banker-Customer Relationship

  • AML-KYC Guidelines

  • Operational Aspects of KYC

  • Opening Accounts of Various Types of Customers

  • Operational Aspects of Deposit Accounts

  • Operational Aspects of Handling Clearing/Collection/Cash

  • Banker’s Special Relationship

  • Foreign Exchange Remittance Facilities for Individuals

  • Operational Aspects of NRI Business

  • Foreign Currency Accounts for Residents and Other Aspects

  • Cash Management Services and Its Importance

  • Payment and Collection of Cheques and Other Negotiable Instruments

  • Responsibility of Paying Bank

  • Responsibility of Collecting Bank

  • Ancillary Services

  • Financial Inclusion & Financial Literacy

  • Customer Service Guidelines

  • Duties & Rights of a Banker and Customer Rights

  • Grievance Redressal & RBI Integrated Ombudsman Scheme 2021

  • The Consumer Protection Act, 2019: Preamble, Extent and Definitions

  • The Right to Information Act, 2005

Module B: Functions of Banks

  • Principles of Lending, Different Types of Borrowers, and Types of Credit Facilities

  • Appraisal and Assesement of Credit Facilities

  • Operational Aspects of Loan Accounts

  • Types of Collaterals and Their Characteristic

  • Different Modes of Charging Securitie

  • Documentation

  • Non-Performing Assets/ Stressed Assets

  • Important Laws Relating to Recovery Of Dues

  • Contracts of Indemnity

  • Contracts of Guarantee & Bank Guarantee

  • Letters of Credit

  • Deferred Payment Guarantee

  • Laws Relating to Bill Finance

  • Credit Cards, Home Loans, Personal Loans, Consumer Loans

  • Priority Sector Advances

  • Agricultural Finance

  • Finance to MFIs/Co-Lending Arrangements with NBFCs

  • Micro, Small and Medium Enterprises in India

  • Government Sponsored Schemes

  • Self-Help Groups

Module C: Banking Technology

  • Essentials of Bank Computerisation

  • Operational Aspects of CBS Environment

  • Alternate Delivery Channels – Digital Banking

  • Data Communication Network and EFT Systems

  • Digital Payment Systems – NPCI

  • Impact of Technology Adoption and Trends in Banking Technology

  • Security Considerations and Mitigation Measures in Banks

  • Operational Aspects of Cyber Crimes/Fraud Risk Management in Cyber Tech

  • Technology trends in Banking, e-RUPI, Fintech - RegTech, SupTech, Hashtag banking etc.

Module D: Ethics In Banks And Financial Institutions

  • Ethics, Business Ethics & Banking: An Integrated Perspective

  • Ethics at the Individual Level

  • Ethical Dimensions: Employees

  • Work Ethics and the Workplace

  • Banking Ethics: Changing Dynamics

Paper III – Accounting & Financial Management For Bankers

Module A: Accounting Principles And Processes

  • Definition, Scope and Accounting Standards including Ind AS

  • Basic Accountancy Procedures

  • Maintenance of Cash/Subsidiary Books and Ledger

  • Bank Reconciliation Statement

  • Trial Balance, Rectification of Errors and Adjusting & Closing Entries

  • Depreciation & its Accounting

  • Capital and Revenue Expenditure

  • Bills of Exchange

  • Operational Aspects of Accounting Entries

  • Back Office Functions/Handling Unreconciled Entries in Banks

  • Bank Audit & Inspection

Module B: Financial Statements And Core Banking Systems

  • Balance Sheet Equation

  • Preparation of Final Accounts

  • Company Accounts – I

  • Company Accounts – II

  • Cash Flow & Funds Flow

  • Final Accounts of Banking Companies

  • Core Banking Systems & Accounting in Computerised Environment

Module C: Financial Management

  • An Overview of Financial Management

  • Ratio Analysis

  • Financial Mathematics - Calculation of Interest & Annuities

  • Financial Mathematics - Calculation of YTM

  • Financial Mathematics - Forex Arithmetic

  • Capital Structure and Cost of Capital

  • Capital Investment Decisions/Term Loans

  • Equipment Leasing/Lease Financing

  • Working Capital Management

  • Derivatives

Module D: Taxation And Fundamentals Of Costing

  • Taxation: Income Tax/TDS/Deferred Tax

  • Goods & Services Tax

  • An Overview of Cost & Management Accounting

  • Costing Methods

  • Standard Costing

  • Marginal Costing

  • Budgets and Budgetary Control

Paper IV – Retail Banking & Wealth Management

Module A: Retail Banking

  • Retail Banking: Introduction

  • Retail Banking: Role within the Bank Operations

  • Applicability of Retail Banking Concepts and Distinction between Retail and

  • Corporate/Wholesale Banking

  • Branch Profitability

Module B: Retail Products and Recovery

  • Customer Requirements

  • Product Development Process

  • Credit Scoring

  • Important Retail Liability Products

  • Important Retail Asset Products

  • Credit and Debit Cards

  • Remittance Products

  • Digitisation of Retail Banking Products

  • Role of AI and Technology in Retail Banking

  • Recovery of Retail Loans

  • Securitization

Module C: Support Services – Marketing of Banking Services/Products

  • Marketing – An Introduction

  • Delivery Channels in Retail Banking

  • Delivery Models

  • Customer Relationship Management in Retail Banking

  • Service Standards for Retail Banking

  • Marketing Information Systems- A Longitudinal Analysis

Module D: Wealth Management

  • Importance of Wealth Management

  • Investment Management

  • Tax Planning

  • Other Financial Services Provided by Banks

  • Lender’s Appraisal Procedure

JAIIB Exam Pattern 2025

Apart from the syllabus, JAIIB exam pattern 2024 is an important part of the exam preparation. JAIIB is an online exam that is conducted at 649 exam centres across the country. The exam pattern of JAIIB 2025 comprises of important details like type of questions, total number of questions, marking scheme, duration etc. The detailed JAIIB exam pattern 2025 has been given below

JAIIB Exam 2025 - Pattern of Examination

Particulars

Details

Type of questions

Multiple Choice Questions

Mode of exam

Online

Medium of exam

English and Hindi

Number of questions

100

Total number of marks

100

Duration of the exam

2 hours

Negative marking

No

JAIIB Exam Admit Card 2025

IIBF releases the JAIIB exam 2025 admit letter few days before the date of exam. Candidates will be able to download their JAIIB admit card 2025 through the official website of IIBF - iifp.org.in. Candidates must enter membership number to download their JAIIB exam admit letters 2025. It must be noted that the admit letter is a mandatory document that every candidate must download to appear for the exam.

JAIIB Exam Results 2025

The JAIIB exam results are announced in online mode few days after the conclusion of exams. The JAIIB May 2025 exam results are expected to be declared in the last week of June 2025. The JAAIB results 2025 will be declared through the official website - iibf.org.in. Candidates must enter their Registration/Membership number and password in order to check their JAIIB results 2025. Candidates are advised to download their result copy for future use.

JAIIB Passing Criteria 2025

The Indian Institute of Banking and Finance has specified the JAIIB exam passing criteria. Students who will fullfill the passing criteria will be deemed qualified. The detailed JAIIB exam passing criteria 2025 has been given below:

  • Candidates must have attained minimum 50 marks out of 100 in one subject.

  • Candidates must have 45% aggregate in each subject and total 50% aggregate score in a single attempt will also be declared pass.

  • Candidates will be given maximum 5 attempts or three years to pass the exam.

Frequently Asked Questions (FAQs)

1. What is full form of JAIIB?

JAIIB stands for Junior Associate of Indian Institute of Bankers

2. What is JAIIB exam for?

The JAIIB exam is conducted to test the basic knowledge of candidates in banking and financial services..

3. When to apply for JAIIB exam 2025?

The JAIIB Nov 2025 exam registration window will open from August 1 to 24, 2025.

4. What is the passing marks of JAIIB?

Candidates must score minimum 50 marks out of 100.

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