JAIIB Syllabus 2025: Subject-Wise Topics & Weightage for All Papers

 If you are preparing for the upcoming JAIIB exam, understanding the JAIIB syllabus is the first step toward effective preparation. The Indian Institute of Banking and Finance (IIBF) revised the JAIIB syllabus in 2023 to make it more aligned with practical banking operations, and the same structure continues for JAIIB 2025 with minor refinements.

This article provides a complete breakdown of the subject-wise syllabus, topic list, and weightage of each paper to help candidates build a smart and strategic study plan.

What is JAIIB

The Junior Associate of the Indian Institute of the Bankers (JAIIB) is a flagship certification offered by IIBF for banking professionals. It aims to provide foundational knowledge in banking, finance, customer service, legal aspects, and digital banking. This exam is especially relevant for newly recruited officers and clerks in the Indian banking sector.

The JAIIB exam consists of four compulsory papers, and each paper is designed to improve professional competence and decision-making skills in day-to-day banking activities.

JAIIB 2025 Exam Pattern

The JAIIB 2025 exam will consist of four papers as per the latest syllabus:

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

2. Principles and Practices of Banking (PPB)
   
   

3. Accounting and Financial Management for Bankers (AFM)
   
   

4. Retail Banking and Wealth Management (RBWM)
   
   

Each paper includes 100 multiple-choice questions, carries 100 marks, and is of 2-hour duration. There is no negative marking. The exam is conducted in an online mode.

Detailed Subject-Wise JAIIB Syllabus 2025

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

This paper introduces the structure of the Indian economy and its financial ecosystem. It includes basic concepts of economics and the role of financial institutions.

Modules and Topics:

1. Module A: Indian Economic Architecture
   Topics include characteristics of the Indian economy, economic planning, national income, GDP, inflation, and employment trends.
   
   

2. Module B: Economic Concepts Related to Banking
   This covers demand and supply, monetary policies, interest rates, and basics of financial markets.
   
   

3. Module C: Indian Financial Architecture
   Focuses on institutions like RBI, SEBI, IRDAI, and PFRDA, along with the concept of financial inclusion and the digital economy.
   
   

4. Module D: Financial Products and Services
   Includes bank deposits, loans, capital market instruments, mutual funds, insurance, and government financial schemes.
   

Modules A and C are considered important from an exam point of view due to their relevance to the Indian banking system and regulatory bodies.

2. Principles and Practices of Banking (PPB)

This paper focuses on general banking operations, regulatory norms, banking technologies, and ethical practices in banking.

Modules and Topics:

1. Module A: General Banking Operations
   Covers customer account opening, KYC norms, AML and CFT regulations, and various types of bank accounts and services.
   
   

2. Module B: Functions of Banks
   Topics include credit creation, types of loans, non-performing assets (NPAs), and priority sector lending.
   
   

3. Module C: Banking Technology
   Focuses on digital banking, core banking solutions (CBS), cybersecurity, and the Information Technology Act.
   
   

4. Module D: Ethics in Banking
   Includes business ethics, code of conduct for bankers, corporate governance, and fair practice codes.
   

Modules A and D are generally given higher weightage due to the importance of compliance and ethical conduct in modern banking.

3. Accounting and Financial Management for Bankers (AFM)

This paper is technical and includes numerical questions on finance, accounting principles, and financial analysis.

Modules and Topics:

1. Module A: Basics of Business Mathematics and Finance
   Includes ratios, percentages, interest calculations, annuities, and break-even analysis.
   
   

2. Module B: Principles of Bookkeeping and Accounting
   Covers journal entries, ledgers, trial balance, accounting standards, and bank reconciliation.
   
   

3. Module C: Final Accounts
   Includes preparation and analysis of profit and loss accounts, balance sheets, and financial ratios.
   
   

4. Module D: Banking Operations and Financial Management
   Topics include budgeting, capital budgeting, cost control, risk-return concepts, and performance evaluation.
   

Candidates should pay extra attention to Modules A and C as these contain numerically intensive questions that require regular practice.

4. Retail Banking and Wealth Management (RBWM)

This is a relatively new addition to the syllabus and focuses on consumer banking and personal finance services.

Modules and Topics:

1. Module A: Introduction to Retail Banking
   Explains types of customers, banking channels, structure of retail banking, and customer relationship management.
   
   

2. Module B: Retail Product Management
   Includes housing loans, education loans, credit cards, and deposit products such as savings and fixed deposits.
   
   

3. Module C: Marketing and Recovery of Retail Products
   Covers sales techniques, customer service in retail banking, collection and recovery strategies, and non-performing assets in retail banking.
   
   

4. Module D: Wealth Management
   Focuses on personal financial planning, investment instruments such as mutual funds, bonds, insurance, tax planning, and retirement solutions.
   

Modules B and D carry practical relevance and usually dominate the question paper.

Highlights of the JAIIB 2025 Syllabus

• The syllabus has been updated to reflect recent changes in the banking and financial services industry.
  
  

• Emphasis has been placed on digital banking, ethical practices, and financial literacy.
  
  

• Numerical questions in the AFM paper now demand better time management and understanding of basic mathematics and accounting.
  
  

• A dedicated paper on Retail Banking and Wealth Management aims to bridge the gap between banking products and customer expectations.

How to Prepare Based on the JAIIB Syllabus

• Start with familiar subjects like PPB or IE&IFS to build momentum.
  
  

• Focus on concept clarity in AFM and practice numerical problems daily.
  
  

• Use official IIBF books and mock tests for accurate content.
  
  

• Revise each module regularly and make short notes for last-minute preparation.
  
  

• Allocate more time to modules with higher weightage and practical applications.
  
  

A well-planned 2 to 3-month study schedule can help working professionals prepare effectively while managing their job responsibilities.

Conclusion

Understanding the JAIIB syllabus 2025 in detail gives aspirants an edge in planning their studies and focusing on high-weightage areas. The exam not only enhances professional knowledge but also plays a crucial role in career advancement within the banking sector.     Make sure to align your preparation with the updated topics and structure, and use reliable study materials to stay ahead in your exam journey.