What is the current affairs cut-off date for JAIIB?

For exams held March to August the cut-off is 31 December of the previous year. For exams held September to February it is 30 June of that year. The November 2026 exam has a cut-off of 30 June 2026.

JAIIB 2025 Syllabus Study Guide

Before you start

What is different in 2026

The structure has not changed

JAIIB still has the same four papers and the same sixteen modules introduced in the 2023 revision. No paper has been added, merged or removed. If you already have a chapter map, it is still valid.

Seven chapters are missing from most syllabus lists

Opening Accounts of Various Types of Customers — PPB Module A
Letters of Credit — PPB Module B
Deferred Payment Guarantee — PPB Module B
Laws Relating to Bill Finance — PPB Module B
Credit Cards, Home Loans, Personal Loans, Consumer Loans — PPB Module B
Finance to MFIs / Co-Lending Arrangements with NBFCs — PPB Module B
Essentials of Bank Computerisation — PPB Module C

Current affairs cut-off

IIBF only asks about developments up to a fixed date. Exams held March to August use developments up to 31 December of the previous year. Exams held September to February use developments up to 30 June of that year. So the November 2026 exam has a cut-off of 30 June 2026 — nothing after that date can be asked.

The rules

JAIIB 2026 exam pattern

All four papers are compulsory and each is marked out of 100.

Item	Detail
Papers	4 compulsory, 400 marks in total
Questions	Approximately 100 objective MCQs per paper
Mode	Online only
Duration	2 hours per paper
Negative marking	None
Medium	English or Hindi, fixed at registration
Passing marks	50 per paper, or 45 per paper with a 50% aggregate in one attempt
Credit for passed papers	Retained until the time limit expires

Item	Detail
Attempts	5 attempts within 3 years of first registration
First attempt fee	₹4,000 plus charges and taxes
2nd to 5th attempt	₹1,300 each plus charges and taxes
First Class	60%+ aggregate, pass in all papers, first physical attempt
Distinction	70%+ aggregate and 60+ in every paper
Calculator	Basic only — up to 8 functions, 12 digits. No scientific calculators.
Admit letter	Available 10–15 days before the exam
Exam centre	Cannot be changed once submitted

The syllabus

All 166 chapters, paper by paper

Chapter names follow IIBF’s official wording. Often missed marks a chapter that is in the official syllabus but absent from most lists online. Updated means IIBF has changed the wording or split the chapter. Notes soon means the study note is still being written.

No chapter matches that search. Try a shorter word, for example NPA, KYC or costing.

Paper I · IE&IFS · 100 marks

Indian Economy & Indian Financial System

Economy fundamentals, the Indian financial architecture, and the products and services banks deal in.

4 modules 45 chapters

Module A — Indian Economic Architecture11 chapters

1An Overview of the Indian EconomyEvolution, basic characteristics, pre-British period, economy before and after 2008, structural changes.
2Economic Planning in India & NITI AayogDefinition, history and objectives of planning, types of planning, financing of five-year plans.
3Sectors of the Indian EconomyPrimary, secondary, tertiary, quaternary and quinary sectors; GDP contribution; organised vs unorganised.
4Role of Priority Sector and MSME in the Indian EconomyPriority sector lending norms, MSME definition and role, Atmanirbhar Bharat, Make in India, Start-up India.
5Infrastructure including Social InfrastructureEnergy, power, rail, road and civil aviation; social sector, health, education and family welfare.
6Globalisation — Impact on IndiaAdvocacy and impact of globalisation, fair globalisation, re-emergence of protectionism.
7Economic ReformsTransformation of the real sector, financial sector and integration with the global economy.
8Foreign Trade Policy, Foreign Investments & Economic DevelopmentFTP structural changes, FDI and FII trends, economic growth versus economic development.
9International Economic Organizations (World Bank, IMF)IMF and World Bank, India and the WTO, regional economic co-operation, recent international issues.
10Climate Change & Sustainable Development GoalsCore elements of sustainable development, global initiatives, India’s SDG progress, CSR activities.
11Issues Facing the Indian EconomyPoverty alleviation, jobless growth, rising inequality, migration pressure, pandemic situations.

Module B — Economic Concepts Related to Banking8 chapters

1Fundamentals of Economics, Microeconomics & MacroeconomicsIntroduction to economics, micro versus macro, and types of economies — market, command and mixed.
2Supply and DemandDemand and supply schedules, forces behind the curves, shifts, equilibrium, interpreting price and quantity.
3Money Supply and InflationWhat money is, money supply aggregates, causes of inflation and measures of inflation.
4Theories of InterestClassical theory, Keynes’ liquidity preference, money demand curve, IS-LM (Hicks-Hansen) model.
5Business CyclesCharacteristics of a business cycle and its four phases.
6Monetary Policy and Fiscal PolicyTools of monetary policy, India’s response to the global financial crisis, fiscal policy and the FRBM Act.
7National Income and GDP ConceptsComputation methods and the utility of national income data.
8Union BudgetReceipts, expenditure, plan expenditure and deficit concepts.

Module C — Indian Financial Architecture9 chapters

1Indian Financial System — An OverviewPre-1951, 1951 to mid-eighties and post-nineties phases; Narasimham Committee 1991; banking reform 1992–2008.
2Indian Banking StructureScheduled commercial banks, local area banks, RRBs, co-operative banks, payment banks, small finance banks.
3Banking Regulation Act, 1949 and RBI Act, 1934UpdatedRBI Act 1934 Chapters I–V and its Schedules, plus Banking Regulation Act 1949 Sections 1 to 56.
4Development Financial InstitutionsIFCI, ICICI, IDBI, SIDBI, EXIM Bank, NABARD, NHB and NaBFID — evolution, objectives and changing role.
5Micro Finance InstitutionsGrameen Bank model, SHG-Bank Linkage, Joint Liability Groups, RBI Microfinance Loan Directions 2022.
6Non-Banking Financial Companies (NBFCs)Classification, Net Owned Funds, bank finance to NBFCs, fair practices code, Scale Based Regulation.
7Insurance CompaniesPrivatisation and FDI, penetration and density, governing legislation, intermediaries, reinsurance.
8Financial System Regulators & Their RolesRole of RBI, SEBI, IRDAI and PFRDA in regulating the Indian financial system.
9Reforms & Developments in the Banking SectorBad banks, infrastructure financing, formation and role of NaBFID, basic concepts of EASE.

Module D — Financial Products and Services17 chapters

1Overview of Financial MarketsEvolution of the financial market, its segments and functions, and price discovery.
2Money Markets and Capital MarketsCall, notice and term money, treasury bills, certificates of deposit, commercial paper, repo, TREPS, LTRO.
3Fixed Income Markets — Debt & Bond MarketsGovernment securities, bond valuation and theorems, auctions, primary dealers, FIMMDA, RBI Retail Direct.
4Capital Markets and Stock ExchangesPrimary and secondary markets, SEBI norms for corporate debt, types of capital issues, ASBA, QIP.
5Forex MarketsMarket participants, LIBOR and alternate reference rates, FEDAI, FEMA 1999, FX-Retail, ADR and GDR.
6Interconnection of Markets & Market DynamicsLevels of market integration, Asian Clearing Union, integrated treasury operations, contagion effect.
7Merchant Banking ServicesLicensing requirements, SEBI regulations, activities of merchant banks and codes of conduct.
8Derivatives Market including Credit Default SwapsUpdatedForwards, futures, options and swaps; exchange-traded versus OTC; credit default swaps; ISDA agreement.
9Factoring, Forfaiting & TReDSTypes of factoring, bills discounting versus factoring, forfaiting mechanism, TReDS process flow.
10Venture CapitalStages and process of venture capital financing, regulatory aspects, modes of financing and exit routes.
11Leasing and Hire PurchaseTypes of leases, legal and regulatory aspects, hire purchase, leasing compared with hire purchase.
12Credit Rating Agencies & Their FunctionsRating process and symbols, SEBI regulations for CRAs, credit scoring, Credit Information Companies.
13Mutual FundsClassification, new fund offers, NAV, expense ratio, riskometer, Alternative Investment Funds.
14Insurance ProductsClassification of insurance, group and micro insurance, bancassurance, PMJJBY and PMSBY.
15Pension Funds (including NPS and APY)UpdatedEPF Scheme, Public Provident Fund, annuity schemes, National Pension System and Atal Pension Yojana.
16Guidelines on Para Banking & Financial ServicesPermitted para-banking activities, how banks organise them, disclosure of commissions earned.
17REITs and Infrastructure Investment Trusts (InvITs)Structure, types, advantages, taxation and SEBI regulatory guidelines for REITs and InvITs.

Paper II · PPB · 100 marks

Principles & Practices of Banking

Day-to-day banking operations, lending, banking technology and ethics. The largest paper by chapter count.

4 modules 55 chapters

Module A — General Banking Operations21 chapters · 1 awaiting notes

1Banker-Customer RelationshipDebtor-creditor, trustee, bailee-bailor, agent-principal, lessor-lessee and indemnity relationships.
2AML GuidelinesMoney laundering and terrorism financing risk, AML framework, PMLA obligations, FATF, FATCA and CRS.
3Operational Aspects of KYCKYC norms, wire transfers, Central KYC Records Registry and monitoring of transactions.
4Opening Accounts of Various Types of CustomersOften missedNotes soonPersonal accounts, accounts of other customers, norms for current accounts, photographs, Legal Entity Identifier.
5Operational Aspects of Deposit AccountsInterest on deposits, inoperative accounts and unclaimed deposits, joint accounts, nomination, attachment orders.
6Handling Clearing, Collection & CashCheque Truncation System, RBI collection guidelines, cash and its custody, security at branches and ATMs.
7Banker’s Special RelationshipMandate, power of attorney, banker’s lien, right of set-off and right of appropriation.
8Foreign Exchange Remittance Facilities for IndividualsEvolution of FEMA, inward and outward remittances, and the Indo-Nepal Remittance Scheme.
9Operational Aspects of NRI BusinessAccounts permitted for NRIs and PIOs, SNRR accounts, immovable property, repatriation and investments.
10Foreign Currency Accounts for ResidentsTypes of accounts permitted in India and abroad, acquiring property outside India, FCRA 2010.
11Cash Management ServicesDevelopments in CMS, its importance, types of services and the challenges involved.
12Payment & Collection of Cheques and Negotiable InstrumentsNegotiable Instruments Act, payment in due course, endorsements, crossing, forged instruments, dishonour.
13Responsibility of Paying BankUpdatedForged signatures, protection under the NI Act, material alteration, payment made under mistake.
14Responsibility of Collecting BankUpdatedStatutory protection available to the collecting bank and the duties it must discharge.
15Ancillary ServicesDemand drafts, NEFT, RTGS, Electronic Benefit Transfer, mobile banking, lockers, government business.
16Financial Inclusion & Financial LiteracyExtension of banking services, use of mobiles and tablets, financial literacy, RSETIs.
17Customer Service GuidelinesBranch management policy, ATM operations, service at counters, special arrangements at branches.
18Duties & Rights of a Banker and Customer RightsDuty of secrecy and reasonable care, garnishee orders, bank’s rights, BCSBI, customer obligations.
19Grievance Redressal & RBI Integrated Ombudsman Scheme 2021Model grievance policy, internal machinery for complaints, and the Integrated Ombudsman Scheme.
20The Consumer Protection Act, 2019Definitions, various fora, Central Consumer Protection Authority, jurisdictions, product liability, mediation.
21The Right to Information Act, 2005Obligations of public authorities, Public Information Officers, procedure, appeals, CIC and SIC, penalties.

Module B — Functions of Banks20 chapters · 5 awaiting notes

1Principles of Lending, Types of Borrowers & Credit FacilitiesFund-based working capital, term and demand loans, non-fund-based and other credit facilities.
2Appraisal and Assessment of Credit FacilitiesCredit appraisal techniques and methods of assessing working capital and term loans.
3Operational Aspects of Loan AccountsInterest rates, credit management and monitoring, operating instructions, recovery agents, Fair Practices Code.
4Types of Collaterals and Their CharacteristicsLand and buildings, goods, documents of title, LIC policies, shares, book debts, deposits, gold, vehicles.
5Different Modes of Charging SecuritiesContract of agency and bailment, types of charges — lien, pledge, hypothecation, mortgage — and registration.
6DocumentationDifferent types of loan documents and the documentation procedure.
7Non-Performing Assets / Stressed AssetsUpdatedIncome recognition, asset classification, provisioning, write-offs, resolution of stressed assets, restructuring.
8Important Laws Relating to Recovery of DuesRDB Act 1993, SARFAESI Act, Insolvency and Bankruptcy Code, Legal Services Authorities Act, Law of Limitation.
9Contracts of IndemnityUpdatedDefinition, distinctive features, rights of an indemnity holder, implied indemnity, application to banks.
10Contracts of Guarantee & Bank GuaranteeUpdatedLiability of the surety, continuing guarantee, discharge, co-sureties, types of bank guarantees, precautions.
11Letters of CreditOften missedNotes soonParties to an LC, types of letters of credit, documents under an LC, UCPDC 600, obligations of banks.
12Deferred Payment GuaranteeOften missedNotes soonPurpose of a deferred payment guarantee and the method of payment.
13Laws Relating to Bill FinanceOften missedNotes soonClasses of bills and the laws governing them, classification of bills, types of bill finance, banker’s position.
14Credit Cards, Home Loans, Personal Loans, Consumer LoansOften missedNotes soonFeatures, eligibility and appraisal norms for each of the four main retail credit products.
15Priority Sector AdvancesApplicability, targets and sub-targets, categories, non-achievement of targets, common guidelines.
16Agricultural FinanceShort and long-term loans, crop loans, Kisan Credit Card, minimum support prices, PM Fasal Bima Yojana.
17Finance to MFIs / Co-Lending Arrangements with NBFCsOften missedNotes soonBank finance to NBFCs, on-lending, loans to NBFC-MFIs, co-lending to priority sector, Scale Based Regulation.
18Micro, Small and Medium Enterprises in IndiaMSMED Act, policy package for MSMEs, delayed payments, TReDS, credit rating scheme, CGTMSE, cluster approach.
19Government Sponsored SchemesDAY-NRLM, DAY-NULM, Pradhan Mantri Jan Dhan Yojana, MUDRA loans and KVIC.
20Self-Help GroupsDefinition and need for SHGs, forming SHGs, SHGs under DAY-NRLM and NULM, SHG-Bank Linkage Programme.

Module C — Banking Technology9 chapters · 1 awaiting notes

1Essentials of Bank ComputerisationOften missedNotes soonBank computerisation, networking technologies, Uninterrupted Power System, core banking, data warehousing and mining.
2Operational Aspects of the CBS EnvironmentFunctions of CBS, transaction flow, end of day and begin of day operations, password and access control.
3Alternate Delivery Channels — Digital BankingATMs, electromagnetic cards, electronic banking, limiting customer liability, harmonisation of Turn Around Time.
4Data Communication Network and EFT SystemsData communication networks, major networks in India, SWIFT, automated clearing, electronic payment systems.
5Digital Payment Systems — NPCIElectronic clearing systems, National Payments Corporation of India and digital initiatives by the Government.
6Impact of Technology Adoption and Trends in Banking TechnologyUpdatedTechnology upgradation, global trends in banking systems, impact of IT on banks, emerging trends.
7Security Considerations and Mitigation Measures in BanksThreats and controls, IS audit and security, online fraud, disaster recovery, IT Act, Cyber Security Framework.
8Cyber Crimes and Fraud Risk Management in Cyber TechFraud versus crime, and the phases of an effective incident response plan.
9Technology Trends: e-RUPI, Fintech, RegTech, SupTechUpdatede-RUPI, Fintech, RegTech and SupTech, social media and hashtag banking, Account Aggregators, Open Banking.

Module D — Ethics in Banks and Financial Institutions5 chapters

1Ethics, Business Ethics & Banking: An Integrated PerspectiveValues and ethics, ethical foundation of banking, Enron and the global financial crisis, Satyam in India.
2Ethics at the Individual LevelValues, norms and beliefs, value conflicts, the Golden Rule, resolving ethical dilemmas, decision frameworks.
3Ethical Dimensions: EmployeesInsider trading, bribes, job discrimination, sexual harassment, conflict of interest, fair accounting, HRM ethics.
4Work Ethics and the WorkplaceEthical behaviour at work, unethical behaviour and remedies, ethics of a banker, whistleblowing law in India.
5Banking Ethics: Changing DynamicsEthics and technology, data security and privacy, intellectual property rights, ethics of information security.

Paper III · AFM · 100 marks

Accounting & Financial Management for Bankers

Book-keeping, financial statements, financial management, taxation and costing. The most calculation-heavy paper.

4 modules 35 chapters

Module A — Accounting Principles and Processes11 chapters · 9 awaiting notes

1Definition, Scope & Accounting Standards including Ind ASNature and purpose of accounting, accounting standards in India, US GAAP, IFRS overview, transfer pricing.
2Basic Accountancy ProceduresGoing concern, double entry system, conservatism, revenue recognition and realisation, accrual and cash basis.
3Maintenance of Cash / Subsidiary Books and LedgerNotes soonRecord keeping basics, account categories, debit and credit concepts, columnar mechanics, journalising.
4Bank Reconciliation StatementNotes soonCauses of difference between cash book and pass book, preparing the statement, adjusting the cash book balance.
5Trial Balance, Rectification of Errors and Closing EntriesNotes soonFeatures and preparation of a trial balance, classification and location of errors, suspense account, rectification.
6Depreciation and Its AccountingNotes soonCauses and need for depreciation, straight line, written down value, units of production, sinking fund, amortisation.
7Capital and Revenue ExpenditureNotes soonThe distinction between capital and revenue expenditure, and between capital and revenue receipts.
8Bills of ExchangeNotes soonTypes of instruments of credit, term and due date of a bill, accounting entries, accommodation bills, bill books.
9Operational Aspects of Accounting EntriesNotes soonPeculiar features of the accounting system in banks and the accounting systems of different banks.
10Back Office Functions and Unreconciled Entries in BanksUpdatedNotes soonFunctions of the back office, reconciliation in banks, and reconciliation of inter-branch and inter-office entries.
11Bank Audit & InspectionNotes soonRisk based internal audit, concurrent audit, internal audit, statutory audit, and the role of inspection.

Module B — Financial Statements and Core Banking Systems7 chapters · 7 awaiting notes

1Balance Sheet EquationNotes soonThe balance sheet equation and its computation.
2Preparation of Final AccountsNotes soonPreparing the trial balance, adjustment entries and financial statements from a trial balance.
3Company Accounts — INotes soonDefinition and types of companies, partnership versus limited liability company, share capital, issue of shares.
4Company Accounts — IINotes soonForm of the balance sheet and the impact of Ind AS on financial statements.
5Cash Flow & Funds Flow StatementsNotes soonCash flow statement, funds flow statement, and comparative fund flow and cash flow analysis.
6Final Accounts of Banking CompaniesNotes soonRequirements as to accounts and audit, principal books, preparation of statements, RBI and Basel III disclosures.
7Core Banking Systems and Accounting in a Computerised EnvironmentNotes soonFeatures of computerised accounting, core banking components, information security, influence of the internet.

Module C — Financial Management10 chapters · 10 awaiting notes

1An Overview of Financial ManagementNotes soonFinancial decision making, objectives, risk-return trade off, agency problem, organisation of the finance function.
2Ratio AnalysisNotes soonMeaning and classification of ratios, uses and limitations, calculation and interpretation of major ratios.
3Financial Mathematics — Calculation of Interest and AnnuitiesNotes soonSimple and compound interest, fixed and floating rates, annuities, present and future value, repayment of debt.
4Financial Mathematics — Calculation of YTMNotes soonIntroduction to bonds, types of bonds, valuation, current yield, yield to maturity, duration and price volatility.
5Financial Mathematics — Forex ArithmeticNotes soonFundamentals of foreign exchange, the Indian forex market, direct and indirect quotes, forward exchange rates.
6Capital Structure and Cost of CapitalNotes soonLeverage, approaches to capital structuring, cost of debt, preference and equity, WACC and marginal cost of capital.
7Capital Investment Decisions / Term LoansNotes soonDiscounted and non-discounted appraisal methods, term loans, project financing, term loan versus project appraisal.
8Equipment Leasing / Lease FinancingNotes soonFeatures and types of leases, rationale for leasing, legal aspects, accounting in the books of lessor and lessee.
9Working Capital ManagementNotes soonWorking capital cycle, trade credit, bank finance, cash budget method, commercial paper, factoring and forfaiting.
10DerivativesNotes soonCharacteristics and functions of derivatives, users, futures, forward rate agreements, swaps and options.

Module D — Taxation and Fundamentals of Costing7 chapters · 7 awaiting notes

1Taxation: Income Tax / TDS / Deferred TaxNotes soonOverview of the Income Tax Act, deductions under 80QQB, 80RRB, 80TTA and 80U, TDS and TCS, returns and refunds.
2Goods & Services Tax (GST)Notes soonThe meaning of direct and indirect tax, and an introduction to GST.
3An Overview of Cost & Management AccountingNotes soonConcepts and classification of costs, cost centre and cost unit, cost accounting standards, management accounting.
4Costing MethodsNotes soonUnit, job, batch, contract, process and service costing; process loss, abnormal gains, joint and by-products.
5Standard CostingNotes soonTypes of standards, installation for material, labour and overhead, variance analysis, benchmarking, reporting.
6Marginal CostingNotes soonBreakeven analysis, cost-volume-profit analysis, P/V ratio, margin of safety, marginal versus absorption costing.
7Budgets and Budgetary ControlNotes soonFixed and flexible budgets, preparation and monitoring, budgetary control, zero based and performance budgeting.

Paper IV · RBWM · 100 marks

Retail Banking & Wealth Management

Retail products and delivery, marketing of banking services, and wealth management including housing finance.

4 modules 31 chapters

Module A — Retail Banking4 chapters

1Retail Banking: IntroductionCharacteristics, advantages and constraints, evolution, prerequisites for success, challenges and the future.
2Retail Banking: Role Within Bank OperationsThe business models banks use to organise retail banking.
3Retail versus Corporate / Wholesale BankingApplicability of retail banking concepts and the distinction from corporate and wholesale banking.
4Branch ProfitabilityGross, operating and net profit, ROA and ROE, branch operating efficiency, steps to improve profitability.

Module B — Retail Products and Recovery12 chapters · 12 awaiting notes

1Customer RequirementsNotes soonMaslow’s theory applied to customer requirements, and customer expectations around service quality.
2Product Development ProcessNotes soonProduct life cycle, product lines of a banker, stages and constraints in new product development, product policy.
3Credit ScoringNotes soonWhat a credit score is, scoring models, managing the score, warning signs, Credit Information Companies in India.
4Important Retail Liability ProductsNotes soonCurrent, savings and term deposits, recurring deposits, premature payment, Form 15G and 15H, 2-in-1 accounts.
5Important Retail Asset ProductsNotes soonHome loans, PMAY housing loans, home improvement loans, auto loans, personal loans and education loans.
6Credit and Debit CardsNotes soonCredit cards, charge cards, prepaid cards, debit cards, co-branded cards and contactless cards.
7Remittance ProductsNotes soonElectronic payment systems, NEFT, RTGS, ECS, NACH, AePS, BBPS and benchmarking of India’s payment system.
8Digitisation of Retail Banking ProductsNotes soonTechnology processes in retail banking, customer analytics, IDRBT, INFINET, SFMS, NFS, digital lending.
9Role of AI and Technology in Retail BankingNotes soonEvolution of banking technology, AI versus automation, artificial intelligence in Indian retail banking.
10Recovery of Retail LoansNotes soonDefault and rescheduling, classification of irregular accounts, recovery policy, SARFAESI, DRT, Lok Adalat.
11Management Information Systems (MIS)Notes soonElements and role of MIS, its role in decision making and in banking, designing MIS for a bank.
12SecuritisationNotes soonSecuritisation of assets — structure, participants and how the process works.

Module C — Support Services — Marketing of Banking Services6 chapters · 6 awaiting notes

1Marketing — An IntroductionNotes soonMarketing in retail banking and the marketing mix.
2Delivery Channels in Retail BankingNotes soonBranch, ATMs, point of sale terminals, mobile and internet banking, customer liability on unauthorised transactions.
3Delivery ModelsNotes soonInternal customers and branch staff, dedicated marketing managers, Direct Selling Agents, institutional tie-ups.
4Customer Relationship Management in Retail BankingNotes soonWhy CRM, implementation aspects and stages, benefits, and the impact of CRM on customer satisfaction.
5Service Standards for Retail BankingNotes soonBCSBI membership and objectives, Code of Banks’ Commitment, code compliance rating, grievance handling.
6Marketing Information Systems — A Longitudinal AnalysisNotes soonFunctions and components of MKIS, the MKIS model, use of decision models, advantages of MKIS.

Module D — Wealth Management9 chapters · 9 awaiting notes

1Importance of Wealth ManagementNotes soonWealth management business structures and process, products and services, private banking, financial planning.
2Investment ManagementNotes soonBasics and steps in investment management, investment banking, portfolio management, PMS versus mutual funds.
3Tax PlanningNotes soonFinancial, assessment and previous year, residential status, heads of income, tax regimes, capital gains, estate planning.
4Other Financial Services Provided by BanksNotes soonThird party product distribution, mutual fund and insurance business, cross selling, depository services, factoring.
5Additional Reading Material on Home LoansNotes soonSupplementary reading prescribed by IIBF on home loan products.
6Lender’s Appraisal ProcedureNotes soonApplication and documents, appraisal of the loan request, mortgage and registration, forged title deeds, CERSAI.
7Housing Finance and Tax PlanningNotes soonTax benefits available in respect of housing finance.
8Mortgage AdviceNotes soonHome Information Packs, time value of money, interest and annuities, capital gains, loan amortisation schedule.
9Valuation of Real PropertyNotes soonWho does valuation, land with building, life of structures, sinking fund and reverse mortgage.

Common questions

JAIIB 2026 syllabus FAQs

Has the JAIIB syllabus changed for 2026?

No. The structure is unchanged. JAIIB 2026 still has four compulsory papers — Indian Economy & Indian Financial System, Principles & Practices of Banking, Accounting & Financial Management for Bankers, and Retail Banking & Wealth Management — with four modules in each. IIBF does reserve the right to revise the syllabus and notifies any change on its website.

How many papers and chapters are there in JAIIB?

Four papers, sixteen modules and 166 chapters in total. Paper I has 45 chapters, Paper II has 55, Paper III has 35 and Paper IV has 31.

What are the passing marks for JAIIB?

You pass a paper with 50 marks out of 100. Alternatively you clear the exam by scoring at least 45 in every paper along with a 50% aggregate across all four papers in a single attempt. Papers you pass are credited and carried forward until your time limit expires.

Is there negative marking in JAIIB?

No. There is no negative marking for wrong answers in any JAIIB paper.

How many attempts do I get?

Five attempts within a maximum of three years from the date of first registration, whichever comes first. An attempt is counted whenever you apply, whether or not you appear. If you exhaust either limit you must re-enrol afresh, and credits for previously passed papers are lost.

Can I use a calculator in the exam?

Yes, but only a battery-operated portable calculator with up to 8 functions and 12 digits. Scientific calculators are not permitted and using one is treated as unfair means.

What is the current affairs cut-off date?

For exams held March to August, developments up to 31 December of the previous year are considered. For exams held September to February, the cut-off is 30 June of that year. The November 2026 exam therefore has a cut-off of 30 June 2026.

Is the IIBF courseware enough on its own?

No. IIBF states clearly that because banking and finance change quickly, the courseware should not be the only source. Candidates are expected to also follow RBI Master Circulars and Master Directions, IIBF’s own publications VISION and Bank Quest, and the websites of RBI, SEBI, IRDAI, BIS and FEDAI.

Banking Exam Syllabus & Study Guide

JAIIB Syllabus 2026