JAIIB 2025 Syllabus Breakdown: Subject-Wise Topics & Latest Updates

The JAIIB (Junior Associate of Indian Institute of Bankers) is a flagship certification exam conducted by the Indian Institute of Banking and Finance (IIBF). It is specially designed for banking professionals and aims to strengthen their foundational knowledge in banking, finance, and customer service.

With JAIIB 2025 approaching, understanding the revised syllabus and exam pattern is crucial for aspirants. The IIBF has introduced significant changes in recent years, aligning the curriculum with the dynamic banking environment. In this article, we provide a detailed subject-wise syllabus breakdown and highlight the latest updates to help you prepare effectively.

What is JAIIB

The JAIIB exam is conducted twice a year and is open exclusively to members of the IIBF. It is considered an essential milestone for career progression in the Indian banking sector. Upon clearing JAIIB, candidates become eligible for monetary benefits and promotions in many banks.

As of 2025, the exam consists of four compulsory papers covering various aspects of banking and finance:

  1. Indian Economy & Indian Financial System (IE&IFS)

  2. Principles & Practices of Banking (PPB)

  3. Accounting & Financial Management for Bankers (AFM)

  4. Retail Banking & Wealth Management (RBWM)

JAIIB 2025 Subject-Wise Syllabus Breakdown

Let us explore each subject and the major topics covered in the JAIIB 2025 syllabus.

1. Indian Economy & Indian Financial System (IE & IFS)

This paper provides an overview of India's economic system and financial institutions.

Key Modules:

Module A: Indian Economic Architecture

  1. Features of the Indian economy

  2. Economic planning in India

  3. Role of the government in development

  4. GDP, GNP, inflation, fiscal deficit

Module B: Economic Concepts Related to Banking

  1. Demand and supply

  2. National income

  3. Monetary and fiscal policy

  4. Balance of payments

Module C: Indian Financial Architecture

  1. Financial markets including money, capital, and forex markets

  2. Role of RBI, SEBI, IRDAI, and PFRDA

  3. Regulatory structure and financial instruments

Module D: Financial Products and Services

  1. Types of financial products

  2. Financial inclusion

  3. FinTech and the evolution of digital banking

2. Principles & Practices of Banking (PPB)

This paper tests your understanding of banking operations and regulatory aspects.

Key Modules:

Module A: General Banking Operations

  1. Structure of the Indian banking system

  2. Role of banks in the economy

  3. Payment systems and banking technology

Module B: Functions of Banks

  1. Banker-customer relationship

  2. Deposit and credit products

  3. Priority sector lending

Module C: Banking Technology

  1. Core banking solutions (CBS)

  2. Digital payment systems

  3. Basics of cybersecurity

Module D: Ethics in Banks and Financial Institutions

  1. Business ethics

  2. Code of conduct

  3. Corporate governance in banking

3. Accounting & Financial Management for Bankers (AFM)

AFM focuses on accounting fundamentals and financial management concepts.

Key Modules:

Module A: Basics of Business Mathematics

  1. Ratio and proportion

  2. Time value of money

  3. Depreciation and annuities

Module B: Principles of Bookkeeping

  1. Journal, ledger, and trial balance

  2. Bank reconciliation statement

  3. Capital and revenue expenditure

Module C: Financial Statements

  1. Profit and loss account

  2. Balance sheet

  3. Financial statement analysis

Module D: Banking Operations and Accounting

  1. Loan accounting

  2. Final accounts of banks

  3. IFRS and related banking regulations

4. Retail Banking & Wealth Management (RBWM)

A new addition in the revised syllabus, RBWM covers customer-focused services and financial advisory skills.

Key Modules:

Module A: Introduction to Retail Banking

  1. Characteristics of retail banking

  2. Products and services

  3. Delivery channels including branches, ATMs, and digital banking

Module B: Retail Banking Products

  1. Retail loans such as housing, personal, and vehicle loans

  2. Deposits and credit card offerings

  3. Cross-selling and up-selling

Module C: Marketing and CRM

  1. Customer lifecycle management

  2. Relationship management techniques

  3. Customer Relationship Management technologies

Module D: Investment and Wealth Management

  1. Investment products like mutual funds, insurance, and pensions

  2. Basics of financial planning

  3. Risk profiling and asset allocation

Latest Updates in JAIIB 2025 Syllabus

The 2025 syllabus introduces changes to better align with the current banking environment.

New Subject Added
 Retail Banking & Wealth Management is now a compulsory paper, replacing the previous electives.

Greater Focus On

  1. Ethics and corporate governance

  2. Digital banking and financial technologies

  3. Customer-centric banking services

Introduction of Case-Based Questions
 Many papers now include application-based and case study-type questions, especially in PPB and RBWM, to test practical understanding.

JAIIB 2025 Exam Pattern

Paper

Number of Questions

Total Marks

Duration

IE & IFS

100

100

2 hours

PPB

100

100

2 hours

AFM

100

100

2 hours

RBWM

100

100

2 hours


All questions are multiple choice, No negative marking & Passing marks: 50 out of 100 in each subject, or 45 in each with an overall aggregate of   50 percent

How to Use the Syllabus for Effective Preparation

A well-planned strategy using the syllabus as a guide can significantly improve your chances of clearing the JAIIB exam.

  1. Study One Module at a Time
     Focus on concept clarity in each module before moving on to the next.

  2. Use Official Study Material
     Refer to the IIBF's prescribed books for accuracy and alignment with the exam.

  3. Practice Regularly
     Solve mock tests and previous year papers to build speed and accuracy.

  4. Stay Informed
     Keep up with the latest developments in banking and finance to relate theory with current events.

Conclusion

The JAIIB 2025 syllabus reflects a modern and practical approach to banking education. With its focus on ethical practices, customer service, and financial technology, the exam prepares professionals to face real-world banking challenges.

For a successful attempt, begin your preparation early, understand the syllabus thoroughly, and practice consistently.

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