JAIIB syllabus at a glance
4Compulsory papers
16Modules (4 per paper)
100MCQs per paper
2 hrsPer paper
Before you plan: if any notes, videos or books you have mention a three-paper JAIIB or a paper called "Legal and Regulatory Aspects of Banking", they are out of date. Use the four-paper structure below.
The 4 papers: tap to expand
01
Indian Economy & Indian Financial System
+
- Indian Economic Architecture
- Economic Concepts Related to Banking
- Indian Financial Architecture
- Financial Products and Services
02
Principles & Practices of Banking
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- General Banking Operations
- Functions of Banks (Lending)
- Banking Technology
- Ethics in Banks and Financial Institutions
03
Accounting & Financial Management for Bankers
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- Accounting Principles and Processes
- Financial Statements and Core Banking Systems
- Financial Management
- Taxation and Fundamentals of Costing
04
Retail Banking & Wealth Management
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- Retail Banking
- Retail Products and Recovery
- Support Services & Marketing
- Wealth Management
Module-wise breakdown, in detail
Paper 1: Indian Economy & Indian Financial System
Module AOverview of the Indian economy, its sectors, economic planning & NITI Aayog, priority sector & MSME role, infrastructure, globalisation's impact, economic reforms, foreign trade policy, SDGs.
Module BEconomic concepts for banking: money supply, inflation, monetary & fiscal policy, GDP concepts, the Union Budget.
Module CIndian financial architecture: RBI Act, Banking Regulation Act, NBFCs, and financial system regulators.
Module DFinancial markets, products & services: money/capital markets, mutual funds, REITs, derivatives.
Paper 2: Principles & Practices of Banking
Module ABanker-customer relationships, KYC/AML, deposit account operations, grievance redressal.
Module BLending principles, credit appraisal, collateral, NPAs, priority sector advances.
Module CBanking technology: CBS, digital payment systems, cyber fraud risk management.
Module DEthics in banking at the individual, workplace, and institutional level.
Paper 3: Accounting & Financial Management for Bankers
Module AAccounting principles, ledgers, bank reconciliation, rectification of errors.
Module BFinancial statement preparation and core banking accounting systems.
Module CFinancial management: ratio analysis, financial mathematics, forex arithmetic, working capital. This is the most numerically heavy module in JAIIB.
Module DTaxation and cost/management accounting fundamentals.
Paper 4: Retail Banking & Wealth Management
Module AIntroduction to retail banking and its role within overall bank operations.
Module BRetail products, credit scoring, and recovery of retail loans.
Module CMarketing and delivery channels in retail banking.
Module DWealth management, investment management, and tax planning services offered by banks.
Stay current: banking rules change faster than syllabus outlines. Alongside IIBF's courseware, keep an eye on IIBF's updates and the latest RBI and SEBI circulars, especially for IE & IFS and PPB. Our
60-Day JAIIB Study Plan shows how to fit all four papers into your prep window.
Exam pattern, passing marks & attempts
50/100Minimum per paper
5Attempts allowed
3 yrsTime window
NoneNegative marking
Each paper has 100 multiple-choice questions for 100 marks, to be finished in 2 hours, and the four papers are held on separate dates. To pass, score at least 50 in every paper. Alternatively, scoring at least 45 in every paper with a 50% aggregate across all four in a single attempt also counts as a pass.
The five attempts must fall within three years of your first registration, whichever limit comes first. Attempts do not need to be consecutive, but an attempt is counted from registration, whether or not you actually sit the exam, so register only when you are ready. If the window runs out before you clear all four papers, check IIBF's rules on what happens to papers already passed.
On negative marking: IIBF deferred the negative marking rule for the revised syllabus in January 2023 "for the time being", so wrong answers currently carry no penalty. Confirm against IIBF's latest exam notices before your paper.
Exam dates: November 2026
| Paper (November 2026) |
Exam date |
| Indian Economy & Indian Financial System |
1 November 2026 |
| Principles & Practices of Banking |
22 November 2026 |
| Accounting & Financial Management for Bankers |
28 November 2026 |
| Retail Banking & Wealth Management |
29 November 2026 |
Note the gaps: PPB to AFM is six days, and AFM to RBWM is just one, so all four papers need to be well prepared before the first one on 1 November.
May 2027: JAIIB runs twice a year, in May and November. IIBF's published schedule currently runs through January 2027, so May 2027 dates will be announced separately. Registration for the November 2026 cycle was scheduled to close in early September, so if you have not registered, May 2027 is your realistic target. Check the IIBF portal for the confirmed registration window and dates.
Official sources:
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Frequently asked questions
How many papers are in the JAIIB syllabus?
Four compulsory papers: IE & IFS, PPB, AFM and RBWM. Each paper is divided into four modules.
Is the JAIIB syllabus the same for November 2026 and May 2027?
The four-paper structure is the same for both cycles. Registration windows, exam dates and fees are specific to each cycle, and IIBF may issue updates through its notices and courseware, so confirm the latest Rules & Syllabus on the IIBF website before your cycle.
What is the JAIIB exam pattern?
Each of the four papers has 100 multiple-choice questions carrying 100 marks and a duration of 2 hours. The papers are held on separate dates.
What is the passing mark for each JAIIB paper?
50 out of 100 in each paper, or at least 45 in every paper with a 50% aggregate across all four in a single attempt.
How many attempts do I get for JAIIB?
Five attempts within three years from your first registration, whichever comes first. An attempt counts from registration, even if you skip the exam itself.
Is there negative marking in JAIIB?
No. IIBF deferred the negative marking rule for the revised syllabus in January 2023 "for the time being", and there is currently no penalty for wrong answers. Check IIBF's latest exam notices before your exam.
What are the JAIIB exam dates for November 2026?
IE & IFS on 1 November, PPB on 22 November, AFM on 28 November and RBWM on 29 November 2026.
When is the JAIIB exam in May 2027?
JAIIB is held in May and November each year. IIBF's published schedule currently runs through January 2027, so May 2027 dates will be announced separately. Check the IIBF examination schedule page for confirmed dates.
Registration timelines and exam dates are subject to change at IIBF's discretion. Always confirm current dates, fees, and syllabus details directly on IIBF's official JAIIB page before making preparation or payment decisions.
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