- Overview of Indian Economy
- Evolution of Indian Economy
- Basic Characteristics
- Pre-British Economy
- Economy till 2008 & post-2008
- Structural changes
- Economic Planning in India
- Definition, History, Objectives
- Types of Planning
- Achievements
- Financial resources for 5-Year Plans
- Sectors of Indian Economy
- Primary, Secondary, Tertiary, Quaternary & Quinary Sectors
- Different Revolutions (Green, White, etc.)
- Sector differences & GDP contribution
- Agriculture, Industry, Services
- Employment in Secondary Sector
- Sunrise Sector
- Organised & Unorganised sectors
- Priority Sector & MSMEs
- Definition & Role of Priority Sector
- Identified Priority Sectors
- Priority Sector Lending Norms
- MSME: Definition, Role & Contribution to GDP
- Initiatives: Atmanirbhar Bharat, Make in India, Start-up India, Stand-up India
- Infrastructure & Social Infrastructure
- Role in Economic Development
- Energy, Power, Transport (Rail, Road, Aviation)
- Social Sector: Health, Education, Family Welfare
- Development of Health Infrastructure
- Globalisation – Impact on India
- Advocacy of Globalisation
- Impact on India
- Fair Globalisation & Policy Needs
- Reverse Globalisation & Protectionism
- Economic Reforms
- Overview of Reforms
- Transformation (Real Sector, Financial Sector)
- Global Integration
- Indian Economic Reforms
- Foreign Trade Policy (FTP), FDI & FII
- Structural Changes in 1990s FTP
- FTP 2015–2020
- Challenges for upcoming FTP
- FDI & FII – Trends
- Economic Growth vs Development
- International Economic Organisations
- IMF, World Bank, WTO (India's role)
- Regional Economic Co-operations
- Recent Issues
- Climate Change & SDGs
- Core elements of Sustainable Development
- Global Issues & Initiatives
- India's Progress
- CSR & Climate Action
- Key Issues in Indian Economy
- Poverty Alleviation
- Jobless Growth
- Rising Inequality
- Migration & Resource Pressure
- Remedies
- Pandemic Challenges
JAIIB Syllabus 2026
The JAIIB exam, conducted by the Indian Institute of Banking & Finance (IIBF), is aimed at helping banking professionals enhance their knowledge and skills in the sector. It covers four main subjects: Indian Economy & Indian Financial System, Principles & Practices of Banking, Accounting & Financial Management for Bankers, and Retail Banking & Wealth Management.
Mode: Online (CBT)
Questions: 100 MCQs / paper
Marks: 100 / paper
Duration: 2 hours / paper
Negative Marking: No
Use the dropdown at the top-right to jump quickly to any section.
How many papers are there in the JAIIB 2026 exam?
The JAIIB Exam consists of 4 compulsory papers (as per the last exam cycle):
- Indian Economy & Indian Financial System (IE & IFS)
- Principles & Practices of Banking (PPB)
- Accounting & Financial Management for Bankers (AFM)
- Retail Banking & Wealth Management (RBWM)
Which modules are covered under the JAIIB syllabus 2026?
The JAIIB exam consists of four compulsory papers, with each paper divided into four comprehensive modules (as per the last exam cycle).
| Papers | Topics Covered |
|---|---|
| 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 |
| 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 |
| 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 |
| Retail Banking & Wealth Management |
Module A: Introduction to Retail Banking Module B: Retail Products and Recovery Module C: Support Services – Marketing of Banking Services/Products Module D: Wealth Management |
JAIIB IE & IFS Syllabus (Detailed)
Four modules: Indian Economic Architecture, Economic Concepts Related to Banking, Indian Financial Architecture, and Financial Products and Services.
Module A: Indian Economic Architecture (11 sections)
Module B: Economic Concepts Related to Banking (8 sections)
- Fundamentals of Economics
- Microeconomics & Macroeconomics
- Market, Command & Mixed Economies
- Supply & Demand
- Demand Schedule & Shifts
- Supply Schedule & Shifts
- Equilibrium: Price & Quantity changes
- Money Supply & Inflation
- What is Money?
- Measures of Money Supply
- Inflation – Causes & Measures
- Theories of Interest
- Classical Theory
- Keynes' Liquidity Preference Theory
- Money Demand Curve
- Rate of Interest Determination
- Effect of Money Supply Shifts
- IS–LM Curve Model
- Business Cycles
- Characteristics
- Phases
- Monetary & Fiscal Policy
- Tools of Monetary Policy
- India's Response to Global Financial Crisis
- Fiscal Policy & FRBM Act
- National Income & GDP
- Concepts & Computation
- Utility
- Union Budget
- Receipts & Expenditure
- Plan Expenditure
- Deficit Concepts
Module C: Indian Financial Architecture (9 sections)
- Indian Financial System – Overview
- Definition & Phases (Pre-1951, 1951–80s, Post-90s)
- Narasimham Committee 1991
- Reforms (1992–2008)
- Present Status
- Indian Banking Structure
- Development & Functions
- Scheduled Commercial Banks – Types & Functions
- Local Area Banks
- RRBs
- Cooperative Banks
- Payment Banks & Small Finance Banks
- NBFCs & RBI Guidelines
- Key Banking Legislations
- RBI Act, 1934 (Ch I–V, Schedules)
- Banking Regulation Act, 1949 (Sec 1–56)
- Development Financial Institutions (DFIs)
- Evolution & Objectives
- Post-Independence gaps
- Classification & Role
- Changing Role & Universal Banks
- Institutions: IFCI, ICICI, IDBI, SIDBI, EXIM, NABARD, NHB, NaBFID
- Microfinance Institutions (MFIs)
- Evolution, Grameen Model
- SHG-Bank Linkage, JLGs
- Regulatory Framework & RBI Directions 2022
- Fair Practices Code
- Non-Banking Financial Companies (NBFCs)
- Evolution & Role in Inclusive Growth
- Regulators, Classification, RBI Oversight
- Types, Owned Funds & Net Owned Funds
- Bank Finance, Fair Practice Code
- Ombudsman Scheme, Scale Based Regulation (SBR)
- Insurance Companies
- History, Privatisation & FDI
- Global & Indian Insurance
- Penetration & Density
- Number of Players
- Legislations, Intermediaries, Reinsurance
- Insurance Repository/Accounts
- Regulators of Indian Financial System
- RBI, SEBI, IRDAI, PFRDA - Roles
- Reforms & Developments
- Bad Banks
- Infrastructure Financing
- NaBFID
- EASE Reforms
Module D: Financial Products & Services (17 sections)
- Overview of Financial Markets
- Meaning, Evolution
- Segments & Functions
- Price Discovery
- Money & Capital Markets
- Call/Notice/Term Money
- T-Bills, CDs, CPs
- Repo, Tri-Repo, BRDS, LTRO
- Debt/Fixed Income Markets
- Govt Securities, Bond Valuation
- Auctions, Primary Dealers
- FIMMDA, RBI Retail Direct Scheme
- Corporate Bonds, Inter-Corporate Deposits
- Capital Markets & Stock Exchanges
- Primary & Secondary Markets
- SEBI Regulations
- Capital Issues & Eligibility Norms
- Intermediaries, ASBA, QIP
- Forex Market
- Profile & Evolution in India
- Characteristics & Participants
- LIBOR & ARRs
- FEDAI, FEMA 1999
- FX-Retail Platform, USDX, ADR, GDR
- Market Interconnection
- Reasons, Importance & Levels
- Integration in India
- Asian Clearing Union
- Interconnectedness (Money, Credit, Capital, Forex)
- Integrated Treasury & Contagion Effect
- Merchant Banking Services
- Meaning & History
- Development in India
- Merchant vs Commercial Banking
- SEBI Regulations & Codes of Conduct
- Derivatives Market (incl. CDS)
- Meaning, History, Size
- Exchange Traded vs OTC
- Forward, Futures, Options, Swaps, CDS
- RBI Guidelines, ISDA Agreement
- Factoring, Forfaiting & TReDS
- Factoring – Types, Domestic/International, Pros/Cons
- Forfaiting – Mechanism, Pros/Cons
- TReDS – Participants, Process, Eligibility
- Venture Capital
- Concept, Evolution, Stages
- Process, Regulatory Aspects
- Modes, Pros/Cons, Exit Routes
- Leasing & Hire Purchase
- Leasing – Types, Pros/Cons, Market Share, Legal/Regulatory Aspects
- Hire Purchase – Evolution, Legal Aspects, Parties
- Leasing vs Hire Purchase
- Credit Rating Agencies (CRAs)
- Meaning, History, Importance
- Benefits, Factors, Process
- Symbols, Outlook
- SEBI Regulations, Fees
- Credit Scoring, CICs, Credit Rating vs Credit Score
- Mutual Funds
- Meaning, Evolution, Types
- Functions, Management, Role
- NFO, Risks, Riskometer, NAV
- Expense Ratio, Load/No-Load
- Strategies, Role in Capital Market
- Alternative Investment Funds (AIFs)
- Insurance Products
- Meaning, Principles, Classification
- Types, Group & Micro Insurance
- Social Security Schemes, Bancassurance
- Ombudsman Scheme, Govt Schemes (PMJJBY, PMSBY)
- Pension Funds
- Pension System & Products
- EPF, PPF, Annuities
- NPS & APY
- Para-Banking & Financial Services by Banks
- Types & Organisation
- Activities
- Commission/Remuneration Disclosure
- REITs & InvITs
- REITs - Meaning, History, Organisation, Types, Pros/Cons, Taxation
- InvITs - Meaning, Rationale, Types, Revenue Model, Pros/Cons, Taxation
JAIIB PPB Syllabus (Detailed)
Paper 2 explores the principles and practices of banking. It has four modules: General Banking Operations, Functions of Banks, Banking Technology, and Ethics in Banks & Financial Institutions.
Module A: General Banking Operations (3 sections)
- Banker Customer Relationship
- Requirements to be called a bank
- Rights & Obligations
- Banker as Trustee
- Bailee–Bailor
- Agent–Principal
- Lessor–Lessee
- Indemnifier–Indemnified
- Deposit Products & Services
- Types of Deposits
- Services to Customers
- Services to Investors
- AML & KYC Guidelines
- Risks of Money Laundering & Terrorism Financing
- AML Framework in India
- KYC Policy
- Organisational Setup for AML
- Obligations under PMLA
Module B: Functions of Banks (5 sections)
- Retail Banking
- Features
- Products
- Technology
- Risks
- Wholesale Banking
- Characteristics
- Products
- Recent Trends
- Treasury Management
- Functions
- Objectives
- Risks
- Key Aspects
- International Banking
- Exchange Rates
- FEMA Guidelines
- NRI Deposits
- Remittances
- Non-Fund Based Facilities
- Letters of Credit (LCs)
- Bank Guarantees
- Types & Applications
Module C: Banking Technology (3 sections)
- Electronic Banking
- Core Banking Solutions
- Digital Banking Channels
- FinTech Applications
- Payment Systems (UPI, IMPS, NEFT, RTGS, Cards, Wallets)
- IT Security
- Cyber Security Risks
- Banking Frauds
- Preventive Measures
- IT Governance
- RBI Guidelines
- Emerging Technologies
- Artificial Intelligence
- Blockchain
- RegTech
- SupTech
- Open Banking
- CBDC
- Digital Identity
- APIs
- Cloud Computing
Module D: Ethics in Banking & Financial Institutions (4 sections)
- Business Ethics
- Definition
- Principles
- Ethical Theories
- Ethical Dilemmas in Banking
- Workplace Ethics
- Employee Obligations
- Corporate Governance
- Code of Ethics
- Whistleblowing
- Banking & Customer Ethics
- Responsible Banking
- Fair Treatment of Customers
- Ethical Sales Practices
- Corporate Governance in Banks
- Importance
- RBI Guidelines
- Role of Board of Directors
- SEBI Regulations
- Corporate Social Responsibility (CSR)
JAIIB AFM Syllabus (Detailed)
Four modules: Accounting Principles & Processes; Financial Statements & Core Banking Systems; Financial Management; Taxation & Fundamentals of Costing.
Module A: Accounting Principles & Processes (10 sections)
- Accounting Standards & Principles
- Definition, Scope, Ind AS
- Historical Perspectives
- Value System Accounting
- Origins of Principles
- US GAAP, IFRS
- Difference between GAAP & IFRS
- Transfer Pricing
- Basic Accountancy Procedures
- Concepts: Going Concern, Double Entry, Conservatism, Revenue Recognition, Accrual vs Cash Basis
- Cash/Subsidiary Books
- Ledger, Journalising
- Bank Reconciliation Statement
- Cash Book vs Pass Book
- Causes of Differences
- Preparing Reconciliation Statement
- Adjusting Cash Book
- Advantages
- Trial Balance & Errors
- Preparation
- Types
- Purpose
- Errors (Classification, Location, Rectification)
- Suspense Account
- Adjusting & Closing Entries
- Depreciation & Amortisation
- Meaning, Causes, Need, Factors
- Methods: SLM, WDV, Units of Production, SYD
- Replacement of Assets, Sinking Fund
- Amortisation of Intangibles
- Capital & Revenue Expenditure
- Distinction
- Receipts
- Bills of Exchange
- Types
- Term & Due Date
- Important Terms
- Accounting Entries
- Accommodation Bill
- Bill Books
- Operational Aspects in Banks
- Peculiar Features of Bank Accounting
- Systems in Banks
- Illustrations
- Back Office Functions
- Handling Unreconciled Entries
- Inter-branch/office reconciliation
- Bank Audit & Inspection
- Risk-based Internal Audit
- Concurrent, Internal & Statutory Audits
- Role of Audit & Inspection
Module B: Financial Statements & Core Banking Systems (7 sections)
- Balance Sheet Equation
- Concept & Computation
- Preparation of Final Accounts
- Trial Balance
- Adjustment Entries
- Preparation of Financial Statements
- Company Accounts – I
- Definition, Types of Companies
- Partnership vs LLP
- Classes of Share Capital
- Issue of Shares
- Non-voting Shares
- Company Accounts – II
- Form of Balance Sheet
- Impact of Ind AS
- Cash Flow & Funds Flow
- Concepts
- Statements
- Analysis
- Final Accounts of Banks
- Definition, Functions
- RBI & Basel III Requirements
- Principal Books
- Preparation of P&L and Balance Sheet
- Notes to Accounts
- Ind AS Implementation
- Core Banking & Computerised Environment
- Computerised vs Manual Accounting
- Features, Advantages/Disadvantages
- Banking Software
- Core Banking Components
- Information Security
- Internet & Web Impact
Module C: Financial Management (10 sections)
- Overview of Financial Management
- Objectives
- Fundamental Principles
- Risk-Return Trade-off
- Agency Problem
- Ethics & CSR
- Finance Function Organisation
- Link to Economics & Accounting
- Ratio Analysis
- Types, Uses, Limitations
- Calculation & Interpretation for Different Users
- Financial Mathematics – Interest & Annuities
- Simple & Compound Interest
- Fixed/Floating Rates
- Product/Balances Method
- FV & PV of Annuity (Ordinary & Due)
- Debt Repayment
- Financial Mathematics – Yield to Maturity (YTM)
- Bonds (Types, Valuation, Optionality)
- Current Yield
- YTM
- Duration
- Bond Price Volatility
- Financial Mathematics – Forex Arithmetic
- Indian Forex Market
- Direct & Indirect Quotes
- Exchange Rate Arithmetic
- Forward Rates
- Capital Structure & Cost of Capital
- Approaches (NI, NOI, Traditional)
- WACC
- Factors
- Project & Divisional Cost
- Flotation Cost
- Misconceptions
- Capital Investment Decisions / Term Loans
- DCF & Non-DCF Methods
- Term Loans
- Project Financing
- Appraisal
- Equipment Leasing / Lease Financing
- Features
- Types
- Legal Aspects
- Accounting for Lessor & Lessee
- Working Capital Management
- Cycle, Cash & Securities, Accruals
- Trade Credit, Bank Advances
- Cash Budget
- Regulations, Deposits, CP, Factoring, Forfaiting
- Derivatives
- Features, Functions, Users
- Futures, FRA, Swaps, Options
Module D: Taxation & Fundamentals of Costing (7 sections)
- Taxation
- Income Tax Overview
- Deductions (80QQB, 80RRB, 80TTA, 80U)
- TDS/TCS
- Returns
- Refunds
- Recovery
- Goods & Services Tax (GST)
- Direct vs Indirect Taxes
- Basics of GST
- Cost & Management Accounting Overview
- Cost Concepts
- Elements
- Cost Centre & Unit
- Methods & Techniques
- Standards
- Relationship with Financial & Management Accounting
- Costing Methods
- Unit/Output, Job, Batch, Contract, Process, Service Costing
- Standard Costing
- Types of Standards
- Installation
- Variance Analysis (Material, Labour, Overheads)
- Benchmarking
- Variance Reporting
- Marginal Costing
- BEP, CVP Analysis
- P/V Ratio
- Margin of Safety
- Absorption vs Marginal Costing
- Budgets & Budgetary Control
- Types of Budgets (Fixed, Flexible, Zero-based, Performance)
- Preparation
- Monitoring
- Control System
JAIIB RBWM Syllabus (Detailed)
Four modules: Retail Banking; Retail Products and Recovery; Support Services and Marketing of Banking Services/Products; Wealth Management.
Module A: Retail Banking
- Retail Banking: Introduction
- Characteristics
- Advantages
- Constraints
- Evolution
- Prerequisites for Success
- Challenges
- Future of Retail Banking
- Retail Banking: Role within the Bank Operations
- Business Models
- Applicability of Retail Banking Concepts
- Distinction between Retail and Corporate/Wholesale Banking
- Branch Profitability
- Banking System in India
- What is Profitability & Profit
- Gross Profit, Operating Profit, Net Profit
- Profitability in Banking Context
- Traditional Measures
- ROA (Return on Asset), ROE (Return on Equity)
- Branch Operating Efficiency
- Strategies to Improve Efficiency
- Factors Affecting Profitability of Banks in India
- Profitability Analysis of Bank Branches
- Steps to Improve Branch Profitability
- Factors for Continuous Improvement
Module B: Retail Products and Recovery
- Customer Requirements
- Maslow's Theory
- Service Quality Expectations
- Product Development Process
- Product Development Cycle
- Product Life Cycle
- Product Lines
- Deposit (Liability) Products
- Credit (Asset) Products
- Other Products & Services
- Fee-based Services (Third-party distribution)
- New Product Development (Stages, Constraints)
- Product Management
- Product Policy
- Credit Scoring
- Definition
- Evolution
- Good Credit Score
- Scoring Models
- Managing Credit Score
- Positive/Warning Signs
- Credit Information Companies in India
- Issues
- Mistakes
- Troubleshooting
- Important Retail Liability Products
- Demand Deposits (Current Accounts: Features, Advantages, Documents, Opening, Operations, Transfer, Inoperative/Closure)
- Savings Accounts (Advantages, Eligibility, Deregulation of Interest, Balance & Interest Rules, Transaction Restrictions, Services)
- Time Deposits (Periodicity, Operations, Interest, Minor/Joint Accounts, Premature Withdrawal, Advances Against FD, Renewal, Overdue FD – RBI Rules, Form 15G/15H, TDS)
- Recurring Deposits (RD)
- 2-in-1 Account
- Important Retail Asset Products
- Home Loans, Housing Loan under PMAY
- Home Improvement Loans, Home Décor Loans
- Auto/Vehicle Loans
- Personal Loans
- Educational Loans
- Other Retail Loans
- Loan Processing
- Credit & Debit Cards
- Credit Cards
- Charge Cards
- Prepaid Cards
- Debit Cards
- Co-branded Cards
- Contactless Cards
- Remittance Products
- NEFT, RTGS, ECS, NACH
- Aadhaar-enabled Payment System (AePS)
- Bharat Bill Payment System (BBPS)
- Benchmarking India's Payment System
- Digitisation of Retail Banking Products
- Technology in Retail Banking
- Processes
- User-friendly Features
- Customer Analytics
- IDRBT, INFINET, SFMS, National Financial Switch (NFS), IBCC
- Wealth Management Solutions
- Digital Lending
- Role of AI & Technology in Retail Banking
- Dimensions of Technology
- Relationship with Banking
- Evolution in India
- Challenges for Adoption
- Benefits
- AI vs Automation
- AI Evolution & Industry in India
- Why AI in Banking
- AI in Indian Retail Banking
- Challenges Facing India's AI Development
- Recovery of Retail Loans
- Repayment
- Default & Rescheduling
- Monitoring Loan Accounts
- Classification of Irregular Loans
- Recovery Policy
- SARFAESI Act 2002
- Debt Recovery Tribunal (DRT)
- Lok Adalat
- Direct Recovery Agents
- Management Information Systems (MIS)
- Elements of MIS
- Role in Decision-making
- Role in Banking
- Designing MIS for Banks
- Issues & Suggested Solutions
- Securitisation
- Securitisation of Assets
Module C: Support Services (Marketing of Banking Services/Products)
- Marketing – An Introduction
- Marketing in Retail Banking
- Marketing Mix in Retail Banking
- Delivery Channels in Retail Banking
- Physical/Direct Branch
- ATMs
- POS Terminals
- Mobile Banking
- Internet Banking
- Customer Liability in Unauthorized Electronic Transactions
- Delivery Models
- Branch Staff (Internal Customers)
- Dedicated Marketing Managers
- DSAs
- Tie-ups with Institutions/OEMs/Dealers
- Customer Relationship Management (CRM)
- Why CRM
- Implementation Aspects
- Process & Stages
- Benefits
- Impact on Customer Satisfaction
- Service Standards for Retail Banking
- BCSBI: Members, Aims, Code of Banks' Commitment
- Code for MSEs
- Functions
- Code Compliance Rating
- Grievance Handling
- General Information
- Marketing Information Systems (MKIS)
- Functions
- Components
- MKIS Model
- Observations
- Computer Usage
- Support for Marketing Management & Mix
- Decision Models
- Performance
- Recommendations
- Advantages
Module D: Wealth Management
- Importance of Wealth Management
- Broad View
- Business Structures
- Wealth Management Process
- Products & Services (Alternative Assets, Bonds, Insurance, Mutual Funds, Real Estate, Retirement Planning, Will Writing, Private Wealth, Personal Financial Planning, Assessment, Private Banking)
- Benefits & Importance
- Investment Management
- Elements, Basics, Steps
- Investment Banking (Services, Structure, Difference vs Investment Management)
- Portfolio Management (Objectives, Elements, Services vs MFs, Types, Steps, Pros/Cons, Recent Developments in India)
- Tax Planning
- Tax Structure (FY, AY, Previous Year, Residential Status, Terms, Heads of Income)
- Tax Slabs (Individuals, Entities, New vs Old Regime)
- Investment Products for Tax Savings
- Estate Planning (Will/Trust)
- Capital Gains Tax
- Other Financial Services by Banks
- Distribution of Third-party Products
- Mutual Fund Business
- Insurance
- Social Security Schemes
- Cross Selling
- Depository Services
- PMS
- Factoring
- Other Agency Businesses
- Additional Reading – Home Loans
- Lender's Appraisal Procedure (Application, Documents, Pre-sanction Checks, Appraisal, Documentation, Mortgage, Title Deed Verification, Security, CERSAI, Monitoring, Closure, Loan Frauds)
- Housing Finance & Tax Planning
- Tax Benefits of Housing Finance
- Mortgage Advice
- Home Information Packs
- Time Value of Money (Interest, Annuities)
- Capital Gains
- Loan Calculator & Amortisation Schedule
- Valuation of Real Property
- Valuers
- Land & Building
- Life of Structures
- Sinking Fund
- Reverse Mortgage
Exam Pattern for JAIIB 2026 (as per last exam cycle)
| Feature | Details |
|---|---|
| Total Questions | 100 objective-type MCQs per paper |
| Total Marks | 100 marks per paper |
| Case-Based Questions | Yes, included in all subjects |
| Numerical Input Questions | Present in papers like AFM |
| Exam Mode | Online (CBT) |
| Negative Marking | No negative marking for incorrect or unattempted responses |
| Assessment Areas | Basic knowledge, application skills, case handling, and numerical aptitude |
Exam Structure 2026
Each of the four compulsory papers includes 100 multiple-choice questions worth 100 marks.
| Paper Name | Total Marks | Exam Duration | Passing Marks |
|---|---|---|---|
| Indian Economy & Indian Financial System (IE & IFS) | 100 | 2 Hours | 50 (or 45 with 50% aggregate) |
| Principles & Practices of Banking (PPB) | 100 | 2 Hours | 50 (or 45 with 50% aggregate) |
| Accounting & Financial Management for Bankers (AFM) | 100 | 2 Hours | 50 (or 45 with 50% aggregate) |
| Retail Banking & Wealth Management (RBWM) | 100 | 2 Hours | 50 (or 45 with 50% aggregate) |
When will the registration process for the JAIIB 2026 exam start?
The JAIIB 2026 registration dates have been released by IIBF for both exam cycles. Registration for the May 2026 cycle starts from 02 February 2026, while the November 2026 cycle registration begins from 01 August 2026. The application process is conducted online. Apply within the normal fee window to avoid late fees.
| JAIIB 2026 Exam Cycle | Registration Start Date | Registration End Date (with Late Fee) |
|---|---|---|
| May–June 2026 Cycle | 02 February 2026 | 22 February 2026 |
| November–December 2026 Cycle | 01 August 2026 | 21 August 2026 |
Paper-wise JAIIB 2026 Exam Dates (May Cycle)
The May 2026 cycle is scheduled between 03 May 2026 and 17 May 2026. Exact timing will be in the admit card.
| Exam Paper | Exam Date (May 2026) |
|---|---|
| Indian Economy & Indian Financial System | 03 May 2026 |
| Principles & Practices of Banking | 09 May 2026 |
| Accounting & Financial Management for Bankers | 10 May 2026 |
| Retail Banking & Wealth Management | 17 May 2026 |
Paper-wise JAIIB 2026 Exam Dates (November Cycle)
The November 2026 cycle is scheduled between 01 November 2026 and 29 November 2026. Exact timing will be in the admit card.
| Exam Paper | Exam Date (November 2026) |
|---|---|
| Indian Economy & Indian Financial System | 01 November 2026 |
| Principles & Practices of Banking | 22 November 2026 |
| Accounting & Financial Management for Bankers | 28 November 2026 |
| Retail Banking & Wealth Management | 29 November 2026 |
CAIIB Syllabus 2026
The Indian Institute of Banking & Finance (IIBF) conducts the CAIIB 2026 exam to support banking professionals in advancing their careers. The exam consists of five papers — 4 compulsory and 1 elective, which candidates can choose based on their interest and specialization.
Mode: Online (CBT)
Papers: 5 (4 compulsory + 1 elective)
Questions: 100 MCQs / paper
Marks: 100 / paper
Duration: 2 hours / paper
Negative Marking: No
What are the subjects covered under the CAIIB 2026 exam?
| Paper Type | Details |
|---|---|
| Compulsory Papers |
Advanced Bank Management (ABM) Bank Financial Management (BFM) Advanced Business & Financial Management (ABFM) Banking Regulations and Business Laws (BRBL) |
| Elective Papers (Choose Any One) |
Rural Banking Human Resources Management (HRM) Information Technology & Digital Banking Risk Management Central Banking |
Paper Name — Key Focus Areas
| Paper Name | Key Focus Areas |
|---|---|
| Advanced Bank Management (ABM) | Economic Analysis, Business Mathematics, Human Resource Management, Credit Management. |
| Bank Financial Management (BFM) | International banking, Risk Management, Treasury Management, Balance Sheet Management. |
| Advanced Business & Financial Management (ABFM) | Business strategy, Leadership and Ethics, Financial Management, Valuation and Mergers. |
| Banking Regulations & Business Laws (BRBL) | Regulations and Compliance, Important Acts, Commercial Laws, Business Laws and Regulations for Banking. |
CAIIB Elective Papers (Choice Based) — Modules
| Elective Paper | Modules |
|---|---|
| Rural Banking |
Module A: Rural India Module B: Financing Rural Development Module C: Priority Sector Financing & Government Initiatives Module D: Problems and Prospects in Rural Banking |
| Human Resource Management (HRM) |
Module A: Human Resource Management Module B: Building an HR Strategy Module C: Motivation, Training & Skill Development Module D: Personnel Management & Industrial Relations Module E: Emerging Scenario in HRM |
| IT and Digital Banking |
Module A: Introduction to Information Technology Module B: Systems and Design Module C: Banking Technology Applications & Digital Banking Module D: Information System Security Controls & Audit |
| Risk Management |
Module A: Risk & Risk Management Framework Module B: Credit Risk Module C: Market Risk Module D: Operational Risk Module E: Basel & RBI Guidelines Module F: Derivatives & Risk Management |
| Central Banking |
Module A: Rationale and Functions of Central Bank Module B: Central Banking in India Module C: Monetary and Credit Policies Module D: Forex Reserves & Indian Financial Market Module E: Regulation, Supervision & Financial Stability Module F: NBFCs and Primary Dealers Appendix |
CAIIB ABM Syllabus (Detailed)
Module A: Statistics
- Basics of Statistics: Meaning, importance, functions, limitations, data collection, classification, tabulation, frequency distribution
- Sampling Techniques: Random sampling, normal & non-normal populations, sampling distribution, central limit theorem, finite population multiplier
- Central Tendency & Dispersion: AM, combined mean, GM, HM, median, quartiles, mode, range, QD, SD, CV, skewness, kurtosis
- Correlation & Regression: Scatter diagram, correlation, regression, standard error of estimate
- Time Series: Trend, cyclical, seasonal, irregular; forecasting techniques
- Probability Theory: Conditional probability, random variable, distributions (binomial, poisson, normal), expectation & SD, credit risk, VaR, option valuation
- Estimation: Estimator/estimates, point & interval estimates, confidence intervals (mean/proportion)
- Linear Programming: Graphic method, simplex method
- Simulation: Simulation methods & exercises
Module B: Human Resource Management
- Fundamentals of HRM: HRM vs HRD, structure/functions, role of HR, strategic HRM, HR development in India
- HRD: HRD subsystems, learning & development, attitude building, career planning, talent & succession planning
- Human Behaviour: Individual differences, diversity, gender issues, motivation theories, role analysis
- Feedback & Rewards: Feedback systems, reward/compensation
- Performance Management: Appraisal, counselling, competency mapping, assessment centres, BEI
- Conflict & Negotiation: Types, causes, phases, resolution, negotiation skills
- HR & Technology: HRIS/HRMS/e-HRM, HR research, KM, technology in training, HR analytics
Module C: Credit Management
- Overview of Credit: Importance, principles, types, RBI guidelines
- Financial Statement Analysis: Balance sheet, P&L, cash/funds flow, projected FS, standards, creative accounting, RPTs
- Working Capital Finance: Cycle, ratios, assessment methods, bills/receivables, RBI guidelines, TReDS, non-fund limits
- Term Loans & Project Finance: Appraisal, DPGs, infrastructure financing
- Credit Delivery: Documentation, guarantees, charge, disbursal, consortium, syndicated, STP
- Credit Monitoring: Tools, LRM
- Credit Risk & Rating: Factors, mitigation, internal/external rating, derivatives, RBI guidelines, CIS
- Restructuring & Recovery: NPAs, stressed assets, wilful defaulters, restructuring options
- IBC 2016: CIRP, liquidation, pre-pack (MSMEs)
Module D: Compliance & Corporate Governance
- Compliance in Banks: Policy, principles, process, programme, role of CCO
- Compliance Audit: Risk-based internal audit, monitoring/reporting, disclosures, standards
- Governance Structure: Board & senior management role, internal controls
- Compliance Risk Framework: Inherent/control risks, audit programmes, credit audit, best practices
- Compliance Culture & GRC: Whistleblower, failures, benefits
- Compliance in NBFCs: SBR, frameworks, role of CCO
- Fraud & Vigilance: Bank/cyber frauds, reporting, vigilance function, RBI guidelines
CAIIB BFM Syllabus (Detailed)
Module A: International Banking
- Exchange Rates & Forex Business: Forex markets, factors, dealing room, derivatives, RBI/FEDAI guidelines, forex arithmetic
- LRS & Remittances: FEMA provisions, permitted/non-permitted, TCS, reporting
- Correspondent Banking & NRI: Nostro/Vostro/Loro, SWIFT/CHIPS/CHAPS, NRI deposits & loans
- Documentary LCs: UCP 600, URR-725, ISBP 745, Incoterms, risks, safeguards, case studies
- Export/Import Facilities: Export finance, EDPMS/IDPMS, factoring/forfaiting, trade credit
- ECBs & Foreign Investments: Reporting, conversion, NDI rules, documentation
- Risks & ECGC: Trade risks, country risk, role of ECGC, claims
- EXIM/RBI/FEMA/FEDAI: Exchange control, ADR/GDR/FCCB overview
- IFSC/GIFT City: IBUs, IFSCA framework, permissible activities
- Technology: Digitalisation, fintech, blockchain in trade finance
Module B: Risk Management
- Risk basics; link between risk–capital–return
- Banking risks; banking book vs trading book; off-balance sheet exposures
- Basel norms (I/II/III), RBS, market discipline
- Market risk; measurement/monitoring/mitigation; liquidity risk in trading
- Credit risk framework; securitisation; derivatives
- Operational risk; integrated risk management; scenario analysis
- Liquidity risk; stress testing; contingency funding; RBI reporting
- Basel III liquidity standards: LCR, NSFR
Module C: Treasury Management
- Treasury functions; organisation; profit centre
- Treasury products: forex, money market, securities
- International equity/debt: GDRs/IDRs/ECBs/trade credits/masala bonds
- Funding & regulation: CRR, SLR, LAF, payment & settlement
- Risk management: VaR, duration; derivatives in risk management
- Derivatives: forwards/options/futures/swaps; RBI guidelines
- Treasury & ALM: liquidity & IRR; transfer pricing; policy framework
Module D: Balance Sheet Management
- Assets & liabilities; ALM purpose/objectives
- Capital adequacy; Basel pillars
- Asset classification & provisioning (RBI norms)
- Liquidity management
- Interest rate risk management; RBI draft IRRBB guidelines
- RAROC & profit planning; economic capital; capital allocation
CAIIB ABFM Syllabus (Detailed)
Module A: The Management Process
- Basics of management: definition, process, functions, strategic management, environment analysis
- Planning: steps, MBO, contingency planning, forecasting & decision making
- Organizing: structures, charts/manuals, authority & responsibility, change/conflict dynamics
- Staffing: recruitment, selection, training, retention, performance appraisal, HRD
- Directing: leadership, motivation, communication, supervision
- Controlling: process, techniques, IT in control
Module B: Advanced Concepts of Financial Management
- Sources of finance & strategies: equity, accruals, preference, term loans, debentures, alternative strategies
- Leverages: DFL, DOL, combined leverage
- Capital investment decisions: cash flows, forecasting, cost analysis, appraisal methods, SCBA
- International capital budgeting: CAPM/APT, country risk, overseas projects, transfer pricing impact
- Risk & uncertainty: sensitivity, scenario, simulation, decision tree, project selection under risk
- Decision making: CVP, relevant costing, ABC costing, ethical & non-financial considerations
Module C: Valuation, Mergers & Acquisitions
- Corporate valuation approaches: adjusted book value, DCF approach, comparison
- DCF valuation models: inputs, dividend discount model, applicability
- Other valuation models: relative valuation, equity/EV multiples, book value
- Special cases: intangibles, startups, distressed firms, e-commerce, warrants, convertibles
- M&A: types, reasons, mechanics, exchange ratio, takeovers, LBOs, alliances, divestitures, demergers
- Deal structuring: negotiation, legal/tax, reporting, financing, cross-border acquisitions
Module D: Emerging Business Solutions
- Hybrid finance: warrants, convertibles, FCCBs, mezzanine, innovative hybrids
- Start-up finance: policies, pitching, funding schemes, tax exemptions
- Private equity & venture capital: due diligence, exit strategies
- Artificial intelligence: applications in BFSI, tools, ethics
- Business analytics: types, big data, web vs mobile analytics
- Green & sustainable financing: ISO standards, India policies, challenges, RBI view
- SPACs: structure, process, stakeholders, de-SPAC process
CAIIB BRBL Syllabus (Detailed)
Module A: Regulations and Compliance
- Regulation of banks: licensing, branch policy, mergers, restrictions on loans/advances, PSL, RBI Act, CRR/SLR, PSS Act, NPA management, Basel norms
- Compliance function: need/scope, structure, role of CCO, corporate governance, whistleblower policy, fraud risk management
Module B: Important Acts/Laws & Legal Aspects of Banking Operations
- Banking Regulation Act, 1949: key provisions, licensing, branch expansion, shareholding, management control
- RBI Act, 1934: functions, monetary policy, supervision/control
- Negotiable Instruments Act, 1881: instruments, parties, endorsements, crossing, dishonour, penalties
- Bankers’ Books Evidence Act, 1891: bank records as evidence
- PMLA 2002: definitions, obligations, KYC/AML norms
Module C: Business Laws
- Indian Contract Act, 1872: essentials, void agreements, breach & remedies
- Indian Partnership Act, 1932: types, registration, rights/liabilities, dissolution
- LLP Act, 2008: incorporation, partners, liabilities, conversion, winding up
- Companies Act, 2013: incorporation, MOA/AOA, directors, meetings, dividend, audit, winding up
Module D: Commercial and Other Laws with reference to Banking Operations
- Transfer of Property Act, 1882: mortgage, charge, sale, lease, gift, actionable claim
- Sale of Goods Act, 1930: contract formation, conditions/warranties, ownership transfer, unpaid seller rights
- Partnership Act relevance to banking: banker's rights, lending to partnership firms
- Indian Trusts Act, 1882: duties/liabilities, rights/powers
- IT Act, 2000: electronic records, digital signatures, cybercrimes, penalties
- Consumer Protection Act, 2019: consumer rights, grievance redressal, ombudsman applicability
CAIIB Elective Papers (Detailed)
Elective 1: Rural Banking (Modules A–D)
Module A: Rural India
- Demographic features; literacy; economic censuses; socio-economic indicators
- Rural society characteristics; social stratification; local institutions; NIRD & PR
- Economic features; rural poverty; SDGs; rural money markets
- Infrastructure; transport; markets; electrification
- Agriculture economy; issues/constraints; technical change; NMSA
- Rural development policies; schemes; RIDF; reforms
- Issues concerning rural areas; rural management; agricultural prices
Module B: Financing Rural Development
- Regulation of rural financial services; RBI/NABARD; lead bank scheme
- Rural credit institutions; cooperative credit; RRBs; ICT; MFIs; BC/BF
- Financing agriculture/allied; KCC; refinance; calamities; gold advances
- Rural non-farm sector; marketing; institutional finance; training
- SME/MSME finance; delayed payments; PCRS; revival & rehab
- Projects & bankable projects: irrigation, dairy, poultry, sericulture, etc.
Module C: Priority Sector Financing & Govt. Initiatives
- PSL evolution; guidelines; targets; achievement
- Poverty alleviation programs; scheme features
- Rural housing & education loans; PMAY (Grameen)
- Financial inclusion & education; DBT; NRLM/NULM; relief; credit to SC/ST/minorities
Module D: Problems & Prospects in Rural Banking
- Role of banking in rural development; inclusive banking
- Technology: digital transformation; IoT in agriculture; fintech in inclusion
- Financing poor as opportunities; SHG-BLP; MFIs; NABARD/SIDBI initiatives
Elective 2: Human Resource Management (HRM) (Modules A–E)
Module A: Human Resource Management
- Fundamentals of HRM (new insights, ethics)
- Organisational behaviour (leadership, stress, etiquettes)
- Organisational change (Kotter model, responsibility charting)
- HRM in Indian banks (traditional role, challenges)
- Knowledge management in banks
Module B: Building an HR Strategy
- HR as strategic player; value creation; execution
- CEO & team; talent management; succession; HR audit
- Communication; barriers; HR role
- HR functions: planning, recruitment, compensation, attrition, employee risk assessment
- Performance management: PMS, 360 appraisal, KRAs
Module C: Motivation, Training and Skill Development
- Learning process
- Motivation theories; job enrichment; satisfaction
- Training vs development; training needs
- Training methodology; ROI on training; best practices
Module D: Personnel Management and Industrial Relations
- Industrial relations; IR Code 2020; labour laws
- Trade unions; collective bargaining
- Discipline & grievance redressal mechanisms
- Workers’ participation in management
- Discipline management; vigilance; diversity; POSH Act 2013
Module E: Emerging Scenario in HRM
- Employee engagement; Gen Y; hybrid models
- Culture & creativity; innovation; ethical culture
- Corporate sustainability; Green HRM
- HR analytics & AI-based HR solutions
- Crisis management in VUCA/BANI; business ethics, governance & CSR
Elective 3: IT & Digital Banking (Modules A–D)
Module A: Introduction to Information Technology
- IT implications; strategic issues
- Computing basics; virtualization
- Software basics; open source; browsers
- Networking; WAN; TCP/IP & Internet
Module B: Systems and Design
- Information systems: MIS/DSS/EIS/GDSS; PM; CMM; data centers
- DBMS; relational; normalization; Oracle
- Data warehouse & mining; BI; neural networks; analytics trends
Module C: Banking Technology Applications & Digital Banking
- E-learning environment; virtual classroom; trends
- Banking software; CBS; vendor selection & retention
- Clearing/settlement: CTS, RTGS, NEFT, NPCI products; SFMS
- Plastic money; RuPay; gateways; ATM/POS; tokenization
- E-commerce/e-banking; mobile payments; EBPP
- IT Act 2000/2008; offenses; amendments; DRM
- Emerging tech: Open Banking, APIs, Big Data, Blockchain, AI/ML, Zero Trust, 5G, Cloud, DBUs, CBDC
Module D: Information System Security Controls & Audit
- Computer security; ISO 27000; Basel; viruses & frauds
- Cryptography; PKI; digital signatures
- BCP vs DRP; RBI guidelines
- IS audit controls & approaches; RBI guidelines
- RFP/SLA; outsourcing IT services; RBI guidelines
- RBI Cyber Security (2016) & Digital Payment Security (2021)
Elective 4: Risk Management (Modules A–F + Appendix)
- Module A: Risk framework; ERM; ALM & IRR; liquidity risk
- Module B: Credit risk culture; PD/LGD/EAD; RAROC; credit derivatives
- Module C: Market risk; bond valuation; duration/convexity; VaR
- Module D: Operational risk; RCSA/KRI; technology risk; climate risk
- Module E: Basel & RBI guidelines; ICAAP; stress tests; buffers; RBS
- Module F: Derivatives (forwards/futures/options/swaps)
- Appendix: Statistical concepts
Elective 5: Central Banking (Modules A–F + Appendix)
- Module A: Functions & contemporary issues
- Module B: RBI evolution; India-specific issues; inclusion
- Module C: Monetary & credit policies; transmission; liquidity management
- Module D: Forex reserves management; constituents of Indian financial markets
- Module E: Regulation/supervision; financial stability
- Module F: NBFCs & primary dealers
- Appendix: RBI committees; IFIs; crypto/CBDC; sustainable finance; glossary
CAIIB Exam Pattern 2026
5 papers (4 compulsory + 1 elective). Each paper: 100 questions, 100 marks, 2 hours duration. No negative marking.
| Paper Name | Total Marks | Exam Duration | Passing Marks |
|---|---|---|---|
| Advanced Bank Management (ABM) | 100 | 2 Hours | 50 (or 45 with 50% aggregate) |
| Bank Financial Management (BFM) | 100 | 2 Hours | 50 (or 45 with 50% aggregate) |
| Advanced Business & Financial Management (ABFM) | 100 | 2 Hours | 50 (or 45 with 50% aggregate) |
| Banking Regulations & Business Laws (BRBL) | 100 | 2 Hours | 50 (or 45 with 50% aggregate) |
| Elective Paper (Any One) | 100 | 2 Hours | 50 (or 45 with 50% aggregate) |
CAIIB 2026 Exam Dates
May–June 2026 Cycle
Online from 31 May 2026 to 21 June 2026.
| Paper / Subject | Exam Date |
|---|---|
| Advanced Bank Management (ABM) | 31 May 2026 |
| Bank Financial Management (BFM) | 07 June 2026 |
| Advanced Business & Financial Management (ABFM) | 13 June 2026 |
| Banking Regulations & Business Laws (BRBL) | 14 June 2026 |
| Elective Paper (Any One) | 21 June 2026 |
November–December 2026 Cycle
Online from 06 December 2026 to 27 December 2026.
| Paper / Subject | Exam Date |
|---|---|
| Advanced Bank Management (ABM) | 06 December 2026 |
| Bank Financial Management (BFM) | 12 December 2026 |
| Advanced Business & Financial Management (ABFM) | 13 December 2026 |
| Banking Regulations & Business Laws (BRBL) | 20 December 2026 |
| Elective Paper (Any One) | 27 December 2026 |
Guidelines for Choosing CAIIB Elective Paper
- Exemptions: No exemptions are provided for any subject.
- Elective selection: Choose based on current work profile or long-term career interests.
- Recommendation: A role-connected elective is easier to prepare and more useful at work.
- Flexibility: You can change elective in future attempts if required.
