JAIIB syllabus 2023 is an essential and pivotal factor in deciding the success of the candidates and surging their trajectory of the preparation module. The comprehensive and in-depth cognizance of the subject-wise syllabus will assist the candidates in gaining a competitive edge for the exam. Candidates can download the JAIIB syllabus PDF and go through the JAIIB exam pattern provided below.
The JAIIB syllabus 2023 will assist the candidates in bringing forth an effective and efficient strategy for the exam. Know the JAIIB exam pattern and note the essential subjects. Also, mark the total duration of the exam to be able to strategize your preparation well and surge the trajectory of success. Let us discuss the JAIIB exam syllabus and exam pattern in detail.
Candidates must download the JAIIB syllabus PDF and save it on their devices to get the complete details of the exam. Mark the essential segments of the syllabus to put forth a comprehensive knowledge of the subjects. The exam conducting authority has released the revised JAIIB exam syllabus 2023, provided below.
The banking professional aspires to take up higher roles and responsibilities in the institution. The subjects of the JAIIB exam syllabus are the JAIIB exam consists of 4 papers i.e. Indian Economy & Indian Financial System, Principles & Practices of Banking, Accounting & Financial Management for Bankers, Retail Banking & Wealth Management.
There are four papers for the exam, and the candidates must have a deeper understanding of all the core subjects to be able to perform exceptionally well and progress further. Candidates will be able to bring forth an effective and efficient strategy to solve the questions in the exam.
The JAIIB exam syllabus for Paper 1 consists of the following four modules.
| Modules | Topics |
| Indian Economic Architecture | An Overview of Indian Economy Sectors of the Indian Economy Economic Planning in India & NITI Aayog Role of Priority Sector and MSME in the Indian Economy Globalisation- Impact on India Foreign Trade Policy Foreign Investments and Economic Development Sustainable Development Goals (SDGs) |
| Economic Concept related to Banking | Fundamentals of Economics Microeconomics, and Macroeconomics and Types of Economies Money Supply and Inflation Monetary Policy and Fiscal Policy System of National Accounts and GDP Concepts Union Budget |
| Indian Financial Architecture | Indian Financial System-An Overview Indian Banking Structure, Banking Laws – Reserve Bank of India Act, 1934 & Banking Regulation Act, 1949 Non-Banking Financial Companies (NBFCs) Insurance Companies Indian Financial System- Regulators and Their Roles, Reforms & Developments in the Banking Sector |
| Financial Products and Services | Financial Markets, Money Markets, Capital Markets and Stock Exchanges Fixed Income Markets – Debt and Bond Markets Foreign Exchange Markets Forfaiting and Trade Receivables Discounting System (TReDS) Lease Finance and Hire Purchase Mutual Funds Real Estate Investment Trusts (REITs) |
The JAIIB exam syllabus for Paper 2 consists of the following four modules.
| Modules | Topics |
| General Banking Operations | Banker-Customer Relationship AML- KYC Guidelines Opening Accounts of Various Types of Customers, Operational Aspects of Deposit Accounts Foreign Exchange Remittance Facilities for Individuals Cash Management Services and its Importance Duties & Rights of a Banker and Customer Rights Grievancence Redressal & RBI Integrated Ombudsman Scheme 2021, The Consumer Protection Act, 2019: Preamble, Extent and Definitions The Right to Information Act, 2005 |
| Functions of banks | Principles of Lending, Different Types of Borrowers, and Types of Credit Facilities Appraisal and Assessment of Credit Facilities Operational Aspects of Loan Accounts Important Laws Relating to Recovery of Dues Laws Relating to Bill Finance, Personal Finance Priority Sector Advances Agricultural Finance Government Sponsored Schemes & Self-Help Groups |
| Banking Technology | Essentials of Bank Computerisation Operational Aspects of CBS Environment Data Communication Network and EFT Systems Digital Payment Systems-NPCI Operational Aspects of Cyber Crimes/Fraud Risk Management in Cyber Tech Technology Trends in Banking, e-RUPI, Fintech – RegTech, Sup Tech, Hashtag Banking |
| 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 |
The JAIIB exam syllabus for Paper 3 consists of the following four modules.
| Modules | Topics |
| Accounting Principles and Processes | Definition, Scope & Accounting Standards Basic Accountancy Procedures Maintenance of Cash/Subsidiary Books and Ledger Capital and Revenue Expenditure Back Office Functions/Handling Unreconciled Entries in Banks Bank Audit & Inspection |
| Financial Statement and Core Banking Systems | Balance Sheet Equation Company Accounts-I & Company Accounts-II Cash Flow and Funds Flow Final Accounts of Banking Companies Core Banking Systems and Accounting in Computerised Environment |
| Financial Management | Financial Management -An Overview Ratio Analysis Financial Mathematics Calculation of Interest and Annuities Financial Mathematics- Forex Arithmetic Capital Structure and Cost of Capital Capital Investment Decisions/Term Loans, Equipment Leasing/Lease Financing Working Capital Management, Derivatives |
| Taxation and Fundamental of Costing | Income Tax/TDS/Deferred Tax Goods & Services Tax An Overview of Cost & Management Accounting Costing Methods, Standard Costing, Marginal Costing Budgets and Budgetary Control |
The JAIIB exam syllabus for Paper 4 consists of the following four modules.
| Modules | Topics |
| Retail Banking | Retail Banking: Role within the Bank Operations Applicability of Retail Banking Concepts Distinction between Retail Corporate/Wholesale Banking Branch Profitability |
| Retail Products and Recovery | Customer Requirements Product Development Process Important Retail Liability Products Important Retail Asset Products Credit and Debit Cards Digitisation of Retail Banking Products Role of AI and Technology in Retail Banking Recovery of Retail Loans |
| Support Services – Marketing of Banking Services/Products | Marketing: An Introduction Delivery Channels in Retail Banking Customer Relationship Management in Retail Banking Service Standards for Retail Banking Marketing Information Systems-A Longitudinal Analysis |
| Wealth Management | Importance of Wealth Management Investment Management Tax Planning Other Financial Services Provided by Banks |
JAIIB exam pattern 2023 is officially prescribed by the Indian Institute of Banking and Finance (IIBF) for the JAIIB exam. Candidates can check the topic-wise weightage of each subject and strategize their preparation for JAIIB 2023 exam. Therefore, it is very important to be abreast of the JAIIB exam pattern for all four papers.
The IIBF conducts the JAIIB exam twice a year. The exam is for the Junior Associate post at the Indian Institute of Bankers. Only those candidates who are existing employees of the Banking system are eligible for the exam. There are 4 papers in the JAIIB examination. Check the detailed JAIIB exam pattern mentioned below.
JAIIB Exam Pattern 2023 | ||||
Paper | Subjects | No. of Questions | Total Marks | Duration |
| Paper-I | Indian Economy & Financial System | 100 | 100 | 2 hours |
| Paper-II | Principles & Practices of Banking | 100 | 100 | 2 hours |
| Paper-III | Accounting & Financial Management for Bankers | 100 | 100 | 2 hours |
| Paper-IV | Retail Banking & Wealth Management | 100 | 100 | 2 hours |
The JAIIB exam pattern will provide a vivid depiction of the exam, note the important topics and mark the essential subjects. The marking scheme of the JAIIB exam is a little bit different from other bank exams.
Candidates must take note of the time limit condition set by the IIBF for the JAIIB examination. Candidates can get the complete details of the JAIIB exam pattern to be able to move ahead in the selection process. Candidates need to clear the JAIIB exam in the stipulated time. The conditions are mentioned below.
The JAIIB syllabus 2023 for all four papers is given below.
Candidates can download the JAIIB syllabus by clicking on the link facilitated here to be able to perform exceptionally well in the exam. Get access to the JAIIB exam syllabus 2023 to be able to get in touch with the core concepts and fundamentals associated with the subject.
There are four papers in the revised JAIIB syllabus 2023, i.e., Indian Economy & Indian Financial System, Principles & Practices of Banking, Accounting & Financial Management for Bankers, Retail Banking & Wealth Management.
It is highly essential for the candidates to be able to perform exceptionally well in all the exams. The main subjects of JAIIB syllabus 2023 for paper 3 are Regulations and Compliance, Legal Aspects of Banking Operations, Banking Related Laws, and Commercial Laws related to banking operations.
The candidates can get complete and in-depth knowledge of the JAIIB syllabus for paper 1 and all the other pertinents. The subjects of Paper 1 are the Indian Financial System, Functions of Banks, banking technology, support services, and marketing of banking.
It is of prime essentiality for the candidates to be able to be well conversant with the JAIIB syllabus for paper 2 to gain insights into the exam. The subjects enlisted here are Business Mathematics and Finance, Principles of Bookkeeping and Accounting, Final Accounts, and Banking Operations.
Candidates need to score at least 50% marks in JAIIB papers to be considered for final selection. It is advised to go through the marking scheme to avoid any confusion during the exam.
There are four modules in each paper for the JAIIB exam. The JAIIB exam is one of the most important steps in the promotion journey of candidates working in the bank and finance industry.
The concerned officials of the Indian Institute of Banking and Finance formulate the syllabus to assess the candidates on the basis of their cognizance of the core concepts. Candidates must have detailed knowledge of the JAIIB syllabus 2023 to be able to enhance their preparation module.
The duration of each paper is 2 hours in the JAIIB exam. Practice mock tests and JAIIB previous year question papers to be well versed with the time limit and it will also give you a confidence boost during the exam.
According to the JAIIB exam pattern, there will be 100 questions of multiple-choice format on each subject having no negative marking for incorrect responses. The permitted time will not exceed two hours.
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