JAIIB Syllabus & Exam Pattern 2021 – Indian Institute of Banking and Finance stipulates the syllabus and exam pattern for JAIIB exam. The candidates must be prepared as per the updated JAIIB exam pattern and syllabus to dislodge the unnecessary confusion while studying from a pile. Let's be clear that preparing randomly out of the available study material without having an idea that "what is the time duration to finish the exam or what topics should be prepared for the exam" will not help you.
Go through the JAIIB Exam pattern & syllabus very well so you can plan the strategy to ace the exam preparation.
Download the JAIIB official Syllabus 2021
The JAIIB exam is conducted twice a year by the Indian Institute of Banking & Finance for the post of Junior Associate. The interested candidates are being informed about the fact that whosoever is working in the banking & finance sector are eligible to apply for the post.
JAIIB Exam Pattern 2021
The exam pattern has been released through the JAIIB Notification 2021 by the Indian Institute of Banking & Finance. Generally, there are only three papers in the exam of JAIIB which are explained briefly in the given table.
- JAIIB exam compiles 3 papers which are Principles and Practices of Banking, Accounting and Finance for Bankers, and Legal and Regulatory Aspects of Banking.
- Each paper of JAIIB consists of 120 Objective type questions.
- Each paper carries a total of 100 marks.
- The time duration of the JAIIB computer-based online exam is 120 minutes.
JAIIB Exam Pattern
No. of Questions
Principles and Practices of Banking
Accounting and Finance for Bankers
Legal and Regulatory Aspects of Banking
JAIIB Marking Scheme
JAIIB marking scheme for the exam is quite different from other bank exams so must note the important things.
- There will be no negative marking for wrong answers.
- The candidate has to score 50% on every single paper.
- If candidates secure at least 45% marks in each subject and 50% marks in aggregate in a single attempt, he/she will be declared qualified in the examination.
JAIIB Syllabus 2021
The JAIIB Syllabus was released by IIBF on its official website where all 3 papers are divided into 4 modules. Check the detailed syllabus of the 3 papers along with their 4 modules.
JAIIB Syllabus Paper I- (Principles and Practices of Banking)
Module A- Indian Financial System
- Indian Financial System – An Overview,
- Banking Regulation,
- Retail Banking,
- Wholesale and International Banking,
- Role of Money Markets,
- Debt Markets & Forex Market,
- Role and Functions of Capital Markets,
- Mutual Funds & Insurance Companies,
- Bancassurance & IRDA,
- Forfaiting Services and Off-Balance Sheet items,
- Risk Management,
- Basel Accords,
- Fair Practices Code for Debt Collection,
- Recent Developments in the Financial System
Modules B- Functions of Banks
- Banker Customer Relationship,
- KYC / AML / CFT norms,
- Bankers’ Special Relationship,
- Consumer Protection - COPRA,
- Banking Ombudsman Scheme,
- Payment and Collection of Cheques and Other Negotiable Instruments,
- Opening accounts of various types of customers,
- Ancillary Services,
- Cash Operations,
- Principles of lending,
- Working Capital Assessment and Credit Monitoring,
- Priority Sector Advances,
- Agricultural Finance,
- Micro, Small and Medium Enterprises,
- Government Sponsored Schemes,
- Self Help Groups,
- Credit Cards,
- Home Loans,
- Personal Loans,
- Consumer Loans,
- Different Modes of Charging Securities,
- Types of collaterals and their characteristics,
- Non Performing Assets,
- Financial Inclusion,
- Financial Literacy
Module C- Banking Technology
- Essentials of Bank Computerization,
- Payment Systems and Electronic Banking,
- Data Communication Network and EFT systems,
- Role of Technology Upgradation and its impact on Banks,
- Security Considerations,
- Overview of IT Act,
- Preventive Vigilance in Electronic Banking
Module D- Support Services, Marketing of Banking
- Services/ Products,
- Marketing – An Introduction,
- Social Marketing / Networking,
- Consumer Behaviour and Product,
- Channel Management,
- Role of Direct Selling Agent / Direct Marketing Agent in a bank,
- Marketing Information Systems – a longitudinal analysis
JAIIB Syllabus for Paper II- (Accounting and Finance for Banks)
Module A- Business Mathematics and Finance
- Calculation of Interest and Annuities,
- Calculation of YTM,
- Capital Budgeting,
- Depreciation and its Accounting,
- Foreign Exchange Arithmetic
Modules B- Principles of Bookkeeping and Accounting
- Scope and Accounting Standards,
- Basic Accounting Procedures,
- Maintenance of Cash / Subsidiary Books and Ledger,
- Bank Reconciliation Statement,
- Trial Balance,
- Rectification of Errors and Adjusting & Closing Entries,
- Capital and Revenue Expenditure,
- Bills of Exchange
Module C- Final Accounts
- Balance Sheet Equation,
- Preparation of Final Accounts,
- Ratio Analysis,
- Final Accounts of Banking Companies,
- Company Accounts I & II,
- Accounting in a Computerized Environment
Module D- Banking Operations
- Banking Operations & Accounting Functions
JAIIB Syllabus for Paper III- (Legal and Regulatory Aspects of Banking)
Module A- Regulations and Compliance
- Legal Framework of Regulation of Banks,
- Control over Organization of Banks,
- Regulation of Banking Business,
- Returns Inspection,
- Winding up,
- Mergers & Acquisitions,
- Public Sector Banks and Co-operative Banks,
- Financial Sector Legislative Reforms,
- Recent Legislative Changes in RBI Act,
- Financial Sector Development Council
Modules B- Legal Aspects of Banking Operations
- Different Types of Borrowers,
- Types of Credit Facilities,
- Secured and Unsecured Loans,
- Registration of Firms and Incorporation of Companies,
- Bank Guarantees,
- Letters of Credit,
- Deferred Payment Guarantees,
- Laws Relating to Bill Finance,
- Various Types of Securities,
- Laws Relating to Securities and Modes of Charging-I,
- Laws Relating to Securities and Modes of Charging- II,
- Registration and Satisfaction of Charges,
- Case Laws on Responsibility of Paying Bank,
- Case Laws on Responsibility of Collecting Bank
Module C- Banking Related Laws
- Recovery of Debts due to Banks and Financial Institutions Act, 1993(DRT Act),
- Securitization and Reconstruction of Financial Assets and Enforcement of Securities Interest Act (SARFAESI),
- Banking Ombudsman Scheme,
- Bankers Books Evidence Act, 1891,
- The Legal Services Authorities Act, 1987,
- The Consumer Protection Act, 1986 and CERSAI,
- The Law of Limitation,
- Tax Laws,
- Negotiable Instruments Act, 1881,
- Payment & Settlements Systems Act, 2007
Module D- Commercials Laws with Reference to Banking Operations
- Indian Contract Act, 1872,
- The Sale of Goods Act, 1930,
- Indian Partnership Act, 1932,
- Definition and features of a company,
- The Companies Act, 1956 (Now Companies Act, 2013 ),
- Foreign Exchange Management Act, 1999,
- Transfer of Property Act, 1882,
- The Right to Information Act, 2005,
- Right to Information and Obligation of Public Authorities,
- The Prevention of Money Laundering Act, 2002,
- Information Technology Act, 2000
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