JAIIB Exam 2026 - Exam Date, Registration, Eligibility, Syllabus & Pattern

JAIIB Exam Dates 2026 - May and November

JAIIB Exam Eligibility 2026

Candidates planning to take the JAIIB exam must fulfill the eligibility criteria specified by the authorities. The JAIIB exam eligibility criteria 2026 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 2026

• 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 2026

Candidates willing to take the exam must complete the JAIIB 2026 exam registration. The JAIIB May 2026 registration window will open from February 2026. The JAIIB exam application form May 2026 can be filled online at iibf.org.in. In case students are unable to fill the application forms before prescribed date, they will be able to complete their registrations with a late fee. Candidates must first hold an IIBF membership. Candidates who hold IIBF membership can move on to JAAIB exam registration 2026. 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 2026 is payment of the registration fee. The detailed registration fee of JAIIB exam 2026 has been given below:

JAIIB Exam Registration Fee 2026

JAIIB Exam Syllabus 2026

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 2026. The JAIIB exam syllabus comprises of subject wise topics and sub-topics that will be covered in the exam. The detailed JAIIB exam syllabus 2026 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 2026

Apart from the syllabus, JAIIB exam pattern 2026 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 2026 has been given below

JAIIB Exam 2026 - Pattern of Examination

JAIIB Exam Admit Card 2026

IIBF releases the JAIIB exam 2026 admit letter few days before the date of exam. Candidates will be able to download their JAIIB admit card 2026 through the official website of IIBF - iifp.org.in. Candidates must enter membership number to download their JAIIB exam admit letters 2026. 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 2026

The JAIIB exam results are announced in online mode few days after the conclusion of exams. The JAIIB May 2026 exam results are expected to be declared in the last week of June 2026. The JAAIB results 2026 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 2026. Candidates are advised to download their result copy for future use.

JAIIB Passing Criteria 2026

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 2026 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.