All About JAIIB

We will guide you through step-by-step stages in qualifying JAIIB


JAIIB stands for Junior Associate of the Indian Institute of the Bankers. It is an associate examination conducted by the Indian Institute of Banking and Finance (IIBF). This examination is conducted to test the basic knowledge of an individual to work as banking professional. You must have the knowledge of Banking and Financial Services, customer relations, banking technology, accountancy and many other things used in banks. 

 Only the members of Indian Institute of Banking and Finance (IIBF) are allowed to appear for the exam. It is conducted in English or Hindi in online mode at majority of centers and in offline mode at selected centers based on the notification given on its website.

We will guide you through step-by-step stages in qualifying JAIIB

About IIBF

The Indian Institute of Banking & Finance aims to develop competent and professional employees for the banking and finance industry of India. IIBF undertakes activities to educate, train, examine, consult, counsel, qualify and render continuous professional development programs to banking professionals. It was established in 1928 under the provisions of Section 25 of the Indian Companies Act, 191.

Eligibility Criteria

JAIIB exam is not open to all candidates. It is a professional course offered by the IIBF to selected candidates only. As such, the eligibility conditions are indicated in the rules of the exam.

  • There is no restriction on the upper age limit
  • Must be an ordinary member of the institute
  • Candidates must have passed the Class 12th or an equivalent exam.

Who is a member of the IIBF?

Any banking professional working in the banking and finance industry are eligible to apply for IIBF membership. However, the employing organization must also be an Institutional member of IIBF. 

 The institute can allow candidates belonging to clerical or supervisory staff cadre to appear in the exam under recommendations by the Manager of the bank. In such cases, these candidates are exempted from the qualification of class 12. However, the subordinate staff of recognized organizations in the B&F industry, must be members of the IIBF and possess other eligibility conditions to apply for the JAIIB exam.


JAIIB exam consist of three subjects all of which are compulsory. Candidates must take the test for each subject as per schedule and qualify by securing the minimum marks.

Paper 1 – Principles & Practices Of Banking

Module A – Indian Financial System 

Module B – Functions Of Banks 

Module C – Banking Technology 

Module D – Support Services - Marketing Of Banking Services/ Products 

Module E – Ethics In Banks And Financial Institutions 

Paper 2 – Accounting & Finance For Bankers 

Module A – Business Mathematics And Finance 

Module B – Principles Of Bookkeeping & Accountancy 

Module C – Final Accounts 

Module D – Banking Operations

Paper 3 – Legal & Regulatory Aspects Of Banking 

Module A – Regulations And Compliance 

Module B – Legal Aspects Of Banking Operations 

Module C – Banking Related Laws 

Module D – Commercial Laws With Reference To Banking Operations

Exam Pattern

Language: English & Hindi

Exam mode: Online

Sections: 3 Papers as mentioned above

Number of questions: Approximately 120 questions

Type of questions: Multiple Choice Questions

Total marks: 100

Duration: 02 hours

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CA N Raja
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