The Junior Associate of the Indian Institute of Bankers (JAIIB) is a flagship certification offered by the Indian Institute of Banking and Finance (IIBF). Designed for banking professionals, it aims to enhance their knowledge and skills in banking and financial services. The exam is conducted twice a year, typically in May and November, and is open to IIBF members.
Eligibility Criteria
To be eligible for the JAIIB exam, candidates must:
Membership: Be an ordinary member of IIBF.
Educational Qualification: Have passed the 12th standard examination or its equivalent.
Special Cases: Clerical or supervisory staff of banks may be permitted to appear for the exam on the recommendation of their bank manager, even if they haven't passed the 12th standard.
Subordinate Staff: Members of IIBF who are subordinate staff and have passed the 12th standard are also eligible.
Important Dates for JAIIB Exam 2025
May 2025 Cycle
Registration Period: 4th February 2025 to 24th February 2025
Exam Dates:
Indian Economy & Indian Financial System: 4th May 2025
Principles & Practices of Banking: 10th May 2025
Accounting & Financial Management for Bankers: 11th May 2025
Retail Banking & Wealth Management: 18th May 2025
November 2025 Cycle
Registration Period: 1st August 2025 to 21st August 2025
Exam Dates:
Indian Economy & Indian Financial System: 2nd November 2025
Principles & Practices of Banking: 8th November 2025
Accounting & Financial Management for Bankers: 9th November 2025
Retail Banking & Wealth Management: 16th November 2025
Exam Pattern
Mode: Online
Number of Papers: 4
Subjects:
Indian Economy & Indian Financial System
Principles & Practices of Banking
Accounting & Financial Management for Bankers
Retail Banking & Wealth Management
Questions per Paper: 100 multiple-choice questions
Marks per Paper: 100
Duration per Paper: 2 hours
Negative Marking: None
Passing Criteria:
Minimum 50 marks out of 100 in each subject.
Alternatively, a candidate securing at least 45 marks in each subject with an aggregate of 50% marks in all subjects in a single attempt will also be considered as having passed.
Syllabus Highlights
Each paper is divided into modules:
1. Indian Economy & Indian Financial System
Module A: Indian Economic Architecture
Module B: Economic Concepts Related to Banking
Module C: Indian Financial Architecture
Module D: Financial Products and Services
2. Principles & Practices of Banking
Module A: General Banking Operations
Module B: Functions of Banks
Module C: Banking Technology
Module D: Ethics in Banks and Financial Institutions
3. Accounting & Financial Management for Bankers
Module A: Accounting Principles and Processes
Module B: Financial Statements and Core Banking Systems
Module C: Financial Management
Module D: Taxation and Fundamentals of Costing
4. Retail Banking & Wealth Management
Module A: Retail Banking
Module B: Retail Products and Recovery
Module C: Support Services – Marketing of Banking Services/Products
Module D: Wealth Management
How to Apply: Step-by-Step Guide
Visit the Official Website: Go to the Indian Institute of Banking and Finance (IIBF) official website.
Login: Use your membership credentials to log in.
Navigate to Examinations: Click on the 'Examinations' tab.
Select JAIIB: Choose the JAIIB exam from the list of available exams.
Fill Application Form: Complete the online application form with the required details.
Upload Documents: Upload necessary documents as specified.
Payment: Pay the examination fee online.
Confirmation: After successful payment, you will receive a confirmation email
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