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JAIIB exam 2021 eligibility criteria, syllabus, exam pattern, study plan, vacancies, salary, and more


The Indian Institute of Banking and Finance (IIBF) is an institute established by the Reserve Bank of India (RBI). It is a premier educational institute that provides various courses in Banking and Finance.

IIBF conducts the JAIIB Examination for aspirants already in the banking sector looking to advance their careers. JAIIB stands for Junior Associate of Indian Institute of Bankers. Clearing JAIIB Examination opens up new prospects in the banking and finance industry.

Visit the official website of IIBF for more information on examinations, courses, study materials and more.

May session:

Principles & Practices of Banking02 May 2021 (postponed)
Accounting & Finance for Bankers09 May 2021 (postponed)
Legal & Regulatory Aspects of Banking16 May 2021 (postponed)

November session:

Principles & Practices of Banking07 November 2021
Accounting & Finance for Bankers14 November 2021
Legal & Regulatory Aspects of Banking21 November 2021

Eligibility Criteria for JAIIB Examination 2021


JAIIB Examination is open for:

  • Employees of any Banking/Finance institute which is a member of IIBF.
  • The subordinate staff of any Banking/Finance institute which is a member of IIBF.

Educational Qualification

The minimum educational qualification required for eligibility is a 12th standard pass or equivalent from a recognised board.

Candidates who do not have a 12th pass certificate can appear for the clerical or supervisory staff cadre of banks on recommendation by the bank manager.

JAIIB Examination fee

First attempt₹ 2,700+GST
Second attempt₹ 1,300+GST
Third attempt₹ 1,300+GST
Fourth attempt₹ 1,300+GST

Registration dates:

May session
24 to 28 February 2021Normal examination fee
01 to 14 March 2021Normal examination fee + ₹ 100
15 to 21 March 2021Normal examination fee + ₹ 200
November session
01 to 07 September 2021Normal examination fee
08 to 21 September 2021Normal examination fee + ₹ 100
22 to 30 September 2021Normal examination fee + ₹ 200

How to Apply for JAIIB Examination 2021

  1. Visit the official website of IIBF.
  2. On the homepage, you will find the "Examination/Courses" tab on the left side.
  3. Click on the Examination tab and select "Flagship Courses", and choose JAIIB.
  4. Scroll down the page and choose the "Apply Offline" option.
  5. The page will ask for membership login.
  6. Log into your profile using membership credentials.
  7. Fill in all your details and attach the required documents.
  8. Pay the examination fee and complete the registration.
  9. Download and keep a hard copy of the application with you for future reference.

JAIIB Examination 2021 Admit Card

After the registration is complete, an admit card will be generated for the applicant. You can download and print the admit card. Candidates can also download their admit cards from the official website of IIBF. All you have to do is enter your membership credentials.

Candidates must produce a hard copy of the admit card and a valid ID in the examination venue.

JAIIB Selection process

The selection of candidates is made based on their performance in the written test. The written test is a computer-based objective type test that carries 300 marks.

The written test consists of three papers:

  1. Paper-I: Principles & Practices of Banking
  2. Paper-II: Accounting & Finance for Bankers
  3. Paper-III: Legal & Regulatory Aspects of Banking

Each subject paper carries 100 marks, and the minimum marks for qualification in 50 out of 100 in each paper. Candidates getting at least 45 marks in each paper with an aggregate score of 50% in a single attempt will also be considered qualified.

The JAIIB Examination is conducted twice every year. Candidates are allowed to attempt both sessions. Candidates must pass the examination within two years (4 consecutive attempts) for selection.

JAIIB Examination Pattern

Subject paperNumber of questionsMaximum marksDuration
Principles & Practices of Banking1201002 hours
Accounting & Finance for Bankers1201002 hours
Legal & Regulatory Aspects of Banking1201002 hours
  • The institute can vary the number of questions asked in a subject.
  • There will be no negative marking for wrong answers.

JAIIB Examination Syllabus

Paper-I: Principles & Practices of Banking

Indian Financial System – An OverviewRole of RBI, Commercial Banks, NBFCs, PDs, FIs, Cooperative Banks, CRR, SLR; Equity & Debt Market; IRDA.
Banking RegulationConstitution, Objectives, Functions of RBI; Tools of Monetary Control; Regulatory Restrictions on Lending/
Retail Banking, Wholesale and International BankingRetail Banking- Products, Opportunities; Wholesale Banking, Products; International Banking, Requirements of Importers & Exporters, Remittance Services; Universal Banking; ADRs; GDRs; Participatory Notes.
Role of Money Markets, Debt Markets & Forex MarketTypes of Money & Debt Market Instruments including G-Secs; ADs, FEMA, LIBOR, MIBOR, etc.
Role and Functions of Capital Markets, SEBIOverview of Capital Market; Stock Exchange; Commonly used Terms; Types of Capital Issues; Financial Products/ Instruments including ASBA, QIP; SEBI; Registration of Stock Brokers, Sub-brokers, Share Transfer Agents, etc. QIBs.
Factoring, Forfaiting Services and Off-Balance Sheet itemsTypes & advantages of Factoring & forfaiting services; Types of off-balance sheet items.
Risk Management, Basel AccordsIntroduction to Risk Management; Basel I, II & III Accords.
CIBIL, Fair Practices Code for Debt Collection, BCSBRole and Functions of CIBIL; Fair Practices Code for Debt Collection; Codes of BCSBI.
Recent Developments in the Financial SystemStructure, Reforms in the Indian Financial System; recent developments in Money, Debt, Forex Markets; Regulatory Framework; Payments and Settlement System.
Banker Customer RelationshipTypes; Different Deposit Products & Services; Services to Customers & Investors.
KYC/ AML/ CFT normsPMLA Act; KYC Norms.
Bankers’ Special RelationshipMandate; POA; Garnishee Orders; Banker’s Lien; Right of Set of
Consumer Protection - COPRA, Banking Ombudsman SchemeOperational Aspects of COPRA Act & Banking Ombudsman Scheme.
Payment and Collection of Cheques and Other Negotiable InstrumentsNI Act; Role & Duties of Paying & Collecting Banks; Endorsements; Forged Instruments; Bouncing of Cheques; Its Implications; Return of Cheques; Cheque Truncation System.
Opening accounts of various types of customersOperational Aspects of opening and Maintaining Accounts of Different Types of Customers including Aadhaar, SB Rate Deregulation.
Ancillary ServicesRemittances; Safe Deposit Lockers; Govt. Business; EBT.
Cash OperationsCash Management Services and its Importance.
Principles of Lending, Working Capital Assessment and Credit MonitoringCardinal Principles; Non-fund Based Limits; WC; Term Loans; Credit Appraisal Techniques; Sources of WC Funds & its Estimation; Operating Cycle; Projected Net WC; Turnover Method; Cash Budget; Credit Monitoring & Its Management; Base Rate.
Priority Sector AdvancesTargets; Sub-Targets; Recent Developments.
Agricultural FinanceTypes of Agricultural Loans; Risk Mitigation in agriculture (NAIS, MSP etc.)
Micro, Small and Medium EnterprisesMSMED Act, 2006 Policy Package for MSMEs; Performance and Credit Rating Scheme; Latest Developments.
Government Sponsored SchemesSGSY; SJSRY; PMRY; SLRS.
Self Help GroupsNeed for & Functions of SHGs; Role of NGOs in Indirect Finance to SHGs; SHGs & SGSY Scheme; Capacity Building.
Credit Cards, Home Loans, Personal Loans, Consumer LoansOperational Aspects, Advantages, Disadvantages & Guidelines of Credit Cards; Procedure and Practices for Home Loans, Personal Loans and Consumer Loans.
DocumentationTypes of Documents; Procedure; Stamping; Securitisation.
Different Modes of Charging SecuritiesAssignment; Lien; Set-off; Hypothecation; Pledge; Mortgage.
Types of collaterals and their characteristicsLand & Buildings; Goods; Documents of Title to Goods; Advances against Insurance Policies, Shares, Book Debts, Term Deposits, Gold, etc.; Supply Bills.
Non-Performing AssetsDefinition; Income Recognition; Asset Classification; Provisioning Norms; CDR Financial Inclusion BC; BF; Role of ICT in Financial Inclusion, Mobile based transactions, RSETI.
Financial LiteracyImportance of financial literacy, customer awareness.
Essentials of Bank ComputerizationComputer Systems; LANs; WANs; UPS; Core Banking.
Payment Systems and Electronic BankingATMs; HWAK; PIN; Electromagnetic Cards; Electronic Banking; Signature Storage & Retrieval System; CTS; Note & Coin Counting Machines; Microfiche; NPC; RUPAY.
Data Communication Network and EFT systemsComponents & Modes of Transmission; Major Networks in India; Emerging Trends in Communication Networks for Banking; Evolution of EFT System; SWIFT; Automated Clearing Systems; Funds Transfer Systems; Recent Developments in India.
Role of Technology Upgradation and its impact on BanksTrends in Technology Developments; Role & Uses of Technology Upgradation; Global Trends; Impact of IT on Banks.
Security ConsiderationsRisk Concern Areas; Types of Threats; Control Mechanism; Computer Audit; IS Security; IS Audit; Evaluation Requirements.
Overview of IT ActGopalakrishna Committee Recommendations.
Preventive Vigilance in Electronic BankingPhishing; Customer Education; Safety Checks; Precautions.
Marketing – An IntroductionConcept; Management; Products & Services; Marketing Mix; Brand Image.
Social Marketing/ NetworkingEvolution, Importance & Relevance of Social Marketing/ Networking.
Consumer Behavior and ProductConsumer Behavior; Product Planning, Development, Strategies, etc.; CRM.
PricingImportance, Objectives, Factors, Methods, Strategies of Pricing; Bank Pricing.
DistributionDistribution Channels; Channels for Banking Services; Net Banking; Mobile Banking.
Channel ManagementMeaning, Levels, Dynamics, Advantages.
PromotionRole of Promotion in Marketing; Promotion Mix
Role of Direct Selling Agent/ Direct Marketing Agent in a bankDefinition; Relevance; Banker as DSA/ DMA; Delivery Channels in Banks; Benefits.
Marketing Information Systems – a longitudinal analysisFunctions & Components of MKIS; MKIS Model; Use of Computers & Decision Models; Performance of MKIS; Advantages.
Ethics, Business Ethics & Banking: An Integrated PerspectiveBusiness Ethics, Ethical Foundation and Banking Ethics in Global and Indian Contexts.
Ethics at the Individual LevelValues, Norms, Beliefs, Morality, Conflict, Integrity, Golden Rule, Dilemmas, Decision-Making.
Ethical Dimensions: EmployeesObligation to Bank/ Third Parties, Abuse of Official Position, Sexual Harassment, Conflict of Interest, Fair Accounting Practices, HRM Ethics, Employees as Ethics Ambassadors & Managers as Ethical Leaders.
Work Ethics and the WorkplaceWork Ethics, Benefits of Ethical Behavior, Unethical Behavior: Causes and Remedies, Code of Ethics Manual, Whistleblowing in Banks, Whistleblowing Laws in India.
Banking Ethics: Changing DynamicsEthics and Technology, Data Security and Privacy, Intellectual Property Rights, Patents and Proprietary Rights, Ethics of Information Security, Cyber Threats, Digital Rights Management.

Paper-II: Accounting & Finance for Bankers

Calculation of Interest and AnnuitiesCalculation of Simple Interest & Compound Interest; Calculation of Equated Monthly Instalments; Fixed and Floating Interest Rates; Calculation of Annuities; Interest Calculation using Products/ Balances; Amortization of a Debt; Sinking Funds.
Calculation of YTMDebt- Definition, Meaning & Salient Features; Loans; Introduction to Bonds; Terms associated with Bonds; Cost of Debt Capital; Bond value with semi-annual Interest; Current Yield on Bond; Calculation of Yield-to- Maturity of Bond; Theorems for Bond Value; Duration of Bond; Properties of Duration; Bond Price Volatility.
Capital BudgetingPresent Value and Discounting; Discounted Technique for Investment Appraisal; Internal Rate of Return (IRR); Method of Investment Appraisal; NPV and IRR compared; Investment Opportunities with Capital Rationing; Investment Decision making under condition of uncertainty; Expected NPV Rule; Risk Adjusted Discount Rate Approach for NPV Determination; Sensitivity Analysis for NPV Determination; Decision Tree Analysis for NPV Estimation; Payback Methods; ARR.
Depreciation and its AccountingDepreciation, its types and methods; Comparing Depreciation Methods.
Foreign Exchange ArithmeticFundamentals of Foreign Exchange; Forex Markets; Direct and Indirect Quote; Some Basic Exchange Rate Arithmetic – Cross Rate, Chain Rule, Value date, etc.; Forward Exchange Rates – Forward Points; Arbitrage; Calculating Forward Points; Premium/ discount; etc.
Definition, Scope and Accounting StandardsNature and Purpose of Accounting; Historical Perspectives; Origins of Accounting Principles; Accounting Standards in India and its Definition and Scope; Generally Accepted Accounting Principles of USA (US GAAP); Transfer Pricing; Overview of IFRS; Difference between GAAP & IFRS.
Basic Accountancy ProceduresConcepts of Accountancy; Going Concern Entity; Double Entry System; Principle of Conservatism; Revenue Recognition and Realization; Accrual and Cash Basis.
Maintenance of Cash/ Subsidiary Books and LedgerRecord Keeping Basics; Account Categories; Debit and Credit Concepts; Accounting and Columnar Accounting Mechanics; Journals; Ledgers; subsidiary books; etc.
Bank Reconciliation StatementNeed for Bank Reconciliation; Causes of Differences; Preparation of Bank Reconciliation Statement; How to prepare a Bank Reconciliation Statement when Extracts of Cash Book and Pass Book are given; Adjusting the Cash Book Balance; Advantages of Bank Reconciliation Statement.
Trial Balance, Rectification of Errors and Adjusting & Closing EntriesMeaning of a Trial Balance; Features and Purpose of a Trial Balance; Types of Trial Balance and Preparation of a Trial Balance; Disagreement of a Trial Balance; Classification of Errors; Location of Errors; Rectification of Errors; Suspense Account and Rectification; Rectification of Errors when Books are closed; Adjusting and Closing Entries.
Capital and Revenue ExpenditureExpenditure; Distinction between Capital and Revenue Expenditure; Deferred Revenue Expenditure; Receipts; General Illustrations
Bills of ExchangeTypes of Instruments of Credit; Term and Due Date of a Bill; Certain Important Terms; Accounting Entries to be Passed; Accommodation Bill etc.
Balance Sheet EquationBalance Sheet Equation; Computation of Balance Sheet Equation.
Preparation of Final AccountsPreparation of Trading A/C; Profit and Loss A/C; Profit & Loss Appropriation Account; Balance Sheets.
Ratio AnalysisMeaning of Accounting Ratios; Classification of Ratios; Uses of Accounting Ratios; Limitations of Accounting Ratios; Calculation and interpretation of various Ratios; Different Users and their Use of Ratios.
Final Accounts of Banking CompaniesDefinition and Functions of a Bank; Requirements of Banking Companies as to Accounts and Audit; Significant Features of Accounting Systems of Banks; Principal Books of Accounts; Preparation and Presentation of Financial Statements of Banks; CMA Format; Accounting Treatment of Specific Items; Preparation of Profit and Loss Account; Comments on Profit and Loss Account; Important Items of Balance Sheet; Disclosure Requirements of Banks; Additional Disclosures prescribed by RBI; Disclosures required under BASEL norms.
Company Accounts I & IIDefinition and Types of Companies; Distinction between Partnership and Limited Liability Company; Classes of Share Capital; Issue of Shares; General Illustrations Non-Voting Shares; Form of Balance Sheet; Legal Requirements for Assets; Legal Requirements for Liabilities; Legal Requirements for Profit & Loss A/c; Preparation of Final Accounts.
Accounting in a Computerized EnvironmentMeaning, features of and terms used in Computerized Accounting; Difference between Computerized and Manual Accounting; Advantages and Disadvantages of Computerized Accounting; Functions performed by Computerized Accounting Softwares available in the Market; Computerization – Scope and Experiences in Banking; The Core Banking Components; Information Security; Internet and World Wide Web – Influences on Banking.
Banking Operations & Accounting FunctionsPreparation of Vouchers, cash receipt and payment entries, clearing inward and outward entries, transfer debit and credit entries, what is KYC and what are the different documents to satisfy KYC, verify KYC and authenticity of documents, operational aspects in regard to opening of all types of accounts, scrutiny of loan applications/ documents, allowing withdrawals and accounting entries involved at various stages, operational aspects of CBS environment etc., Back office operations in banks, handling of unreconciled entries in banks.
Legal Framework of Regulation of BanksBusiness of Banking; Constitution of Banks; RBI Act, 1934; Banking Regulation Act, 1949; Role of RBI; Govt. as a Regulator of Banks; Control over Co-operative Banks; Regulation by other Authorities.
Control over Organization of BanksLicensing of Banking Companies; Branch Licensing; Paid up Capital and Reserves; Shareholding in Banking Companies; Subsidiaries of Banking Companies; Board of Directors; Chairman of Banking Company; Appointment of Additional Directors; Restrictions on Employment; Control over Management; Corporate Governance; Directors and Corporate Governance.
Regulation of Banking BusinessPower of RBI to Issue Directions; Acceptance of Deposits; Nomination; Loans and Advances; Regulation of Interest Rate; Regulation of Payment Systems; Internet Banking Guidelines; Regulation of Money Market Instruments; Banking Ombudsman; Reserve Funds; Maintenance of CRR, SLR; Assets in India.
Returns Inspection, Winding up, Mergers & AcquisitionsAnnual Accounts & Balance Sheet; Audit & Auditors; Submission of Returns; Preservation of Records and Return of Paid Instruments; Inspection and Scrutiny; Board for Financial Supervision; Acquisition of Undertakings; Amalgamation of Banks; Winding up of Banks; Penalties for offences.
Public Sector Banks and Co-operative BanksSBI and its Subsidiaries; Regional Rural Banks; Nationalized Banks; Application of BR Act to Public Sector Banks; Disinvestment of Shares by Govt.; Co-operative Banks.
Financial Sector Legislative ReformsNeed, Approach for Financial Sector Legislative Reforms; Important Reforms,
Recent Legislative Changes in RBI ActRecent Legislative Changes in RBI Act, Need thereof
Financial Sector Development CouncilRole and Functions of Financial Sector Development Council.
Different Types of BorrowersTypes of Borrowers; Limited Liability Partnership.
Types of Credit FacilitiesCash Credit, Overdraft, Demand Loans, Term Loans, Bill Finance.
Secured and Unsecured Loans, Registration of Firms and Incorporation of CompaniesDefinition of Secured and Unsecured loans; Need for Secured Loans; Registration of Firms; Consequences of Non-registration of Firms; Incorporation of a Company.
IndemnitiesDefinition of Contract of Indemnity; Features of Indemnity Contract & Guarantee; Scope and Application of Indemnity Contracts to Banks; Obligations of a Banker; Precaution & Rights of an Indemnity Holder.
Bank GuaranteesDefinition and Types of Bank Guarantees; Banker’s Duty to Honor Guarantee; Precautions to be taken for Issuance of Bank Guarantee; Precautions to be taken for Payment under Bank Guarantee; Invocation & Enforcement.
Letters of CreditGeneral Considerations of Letters of credit; Parties to a Letter of credit; Types of Letters of credit; Documents under a Letter of credit; UCPDC 600; Banks obligation for payment of Letter of credit.
Deferred Payment GuaranteesPurpose of DPGs; Methods of Payment.
Laws Relating to Bill FinanceClass of Bills and Laws Governing Bills; Classification of Bills; Categories of Bill Finance; Bill Finance and Legal Position of Banker.
Various Types of SecuritiesTypes of Securities; Escrow Arrangements; Trust and Retention Arrangements.
Laws Relating to Securities and Modes of Charging – IMortgage; Types of Mortgage; Enforcement of Mortgages.
Laws Relating to Securities and Modes of Charging – IILien; Pledge; Hypothecation; etc.
Registration and Satisfaction of ChargesDefinition of Charge; Procedure for Registration of Charge; Effect of Non-registration of Charges; Provisions of Law relating to Registration of Charges.
Case Laws on Responsibility of Paying BankNegotiable Instruments Act and Paying Banks; Liability of Paying Banker; Payment in due course; Payment in Good Faith; Whether Payment under Mistake Recoverable.
Case Laws on Responsibility of Collecting BankStatutory protection to Collecting Bank; Duties of Collecting Bank.
Recovery of Debts due to Banks and Financial Institutions Act, 1993(DRT Act)Objective of the Act, Constitution of Tribunal, Procedure to be followed, Enforcement process.
Securitisation and Reconstruction of Financial Assets and Enforcement of Securities Interest Act (SARFAESI)Constitutional Validity; Definitions; Regulation & Reconstruction; Enforcement of Security Interest; Central Registry; Offences & Penalties; Miscellaneous Provisions .
Banking Ombudsmen SchemePurpose; Extent; Definitions; Establishment; Powers; Procedure for Redressal Grievance .
Bankers Books Evidence Act, 1891Applicability; Definition; Important Provisions.
The Legal Services Authorities Act, 1987Lok Adalats- Organization; Jurisdiction; Disposal of Cases; Awards.
The Consumer Protection Act, 1986 and CERSAIPreamble, Extent & Definitions; Consumer Protection Councils; Consumer Disputes Redressal Agencies; Objectives and important provisions of Central Registry of Securitisation Asset Reconstruction and Security Interest of India.
The Law of LimitationDefinition; Computation of Limitation; Important Provisions in schedule to the Limitation Act.
Tax LawsIncome Tax; Commodity Transaction Tax; Service Tax.
Negotiable Instruments Act, 1881Applicability; Definition; Important Provisions.
Payment & Settlements Systems Act, 2007Applicability; Definition; Important Provisions.
Indian Contract Act, 1872Meaning and essentials of contract; Contract of Indemnity & Rights of Indemnity Holder; Contract of Guarantee; Contract of Bailment; Contract of Pledge; Contract of Agency.
The Sale of Goods Act, 1930Features; Sale & Agreement to Sell; Conditions and Warranties; Express & Implied; Rights of Unpaid Seller.
Indian Partnership Act, 1932Definition & Types of Partnerships; Relation of partners to one another & to third Parties; Minor admitted to benefits of partnership; Dissolution of a firm; Effect of non registration; Limited liability partnerships formation, registration, rights and liabilities of partners.
Definition and features of a companyDefinition & Features of a Company; Distinction between Company and Partnership.
The Companies Act, 1956 (Now Companies Act, 2013)Definition, Features & Types of companies; Memorandum and Articles of Association; Doctrine of Ultra Vires, Constructive Notice, Indoor Management; Membership of Company Acquisition, Cessation, Register, Rights & Duties of Members, Prospectus; Directors; Winding up of Companies.
Foreign Exchange Management Act, 1999Important Terms; Powers of RBI, Regulation and Management; Directorate of Enforcement.
Transfer of Property Act, 1882Sale, Mortgage of Immovable Property; Types of Mortgages; Sale with and without court intervention; Lease of Immovable Property.
The Right to Information Act, 2005Applicability; Definition; Important Provisions.
Right to Information and Obligation of Public AuthoritiesObligations; Procedure; Disposal; Appeal; Orders; Penalties.
The Prevention of Money Laundering Act, 2002Obligations; Records to be Maintained; Procedure for Maintaining & Furnishing Information; Maintenance & Verifications of Records of Identity of Clients.
Information Technology Act, 2000Definitions; Electronic Governance; Certifying Authorities; Digital Signature Certificates; Penalties; Appeal.

JAIIB Examination 2021 Result

The institute considers the first physical attempt, i.e., the candidate should not have attempted any subject paper relating to this examination in the past and should pass the written tests as per the norms laid down by the institution. The ranks are considered in the following way;

  • First Class with Distinction: 70%+ in aggregate and 60%+ in each subject paper
  • First Class: 60%+ in aggregate and pass in all subject papers.

The board will make selection based on merit.

The IIBF announces the result on the official website. Candidates can check their results as under-.

Home > Examinations/Courses > Results/Consolidated Marksheet

JAIIB Examination 2021 Cut-off

For guaranteed selection, candidates must score way more than the minimum qualifying marks set by the institution, also called the cut-off. The cut-off mark in each paper is 50 out of 100. Candidates who score more than 50 marks on each subject paper stand the chance of making it into the merit list.

Job Profile

A clerk on clearing JAIIB: incites a promotion to the post of BPO. Roles and responsibilities include:

  • Cross-checking clerical work
  • Documentation of loans
  • Dealing with the cash balance

A BPO on clearing JAIIB: incites a promotion to the post of Manager. Roles and Responsibilities include:

  • Sanctioning of loans
  • Development of new products
  • Promoting good products from the perspective of the bank.


Increments For A Clerk Grade Employee:
After qualifying JAIIB1 increment in salary
After qualifying CAIIB2 increments in salary
Increments For An Officer Grade Employee:
After qualifying JAIIB1 increment in salary
After qualifying CAIIB1 increment in salary

Salary details:

Basic pay scale₹ 11,765
Annual increment₹ 655
After 3 years₹ 13,730
Maximum salary₹ 30,450

JAIIB Exam Analysis

Paper-I covers general topics of banking and finance. Module D and Module E from paper-I is significant. Novel questions are expected from these sections. Questions can be asked regarding new developments in the banking industry.

Paper-II is designed to test the accounting skills of the candidate. This paper might be challenging non-commerce students. Most applications of formulae and techniques will be asked in this section.

Paper-III is entirely theoretical. Questions on banking theories, definitions, acts, rules and regulations will be asked. Students are advised to go through any standard book recommended by the IIBF.

Preparation tips for JAIIB Examination 2021

A list of books recommended by the IIBF, essentially for this examination, is given in this article. Refer to any of these standard books for all three papers of the JAIIB Examination.


  • Complete the syllabus by going through the topics one by one.
  • Make your notes as you study. Add flowcharts, mindmaps, doodles, even wherever possible. Make your notes visually appealing. This will help you retain information.
  • Visit the IIBF website regularly for any updates and developments in the banking industry. You can also follow these developments by reading IIBF Vision, bank quest, etc.
  • Visit the RBI, BIS, FEDAI, SEBI, IRDAI websites for crucial information, circulars and updates.
  • Attempt mock tests and practice papers.


  • This paper focuses on accounting. Numericals based on various concepts are expected.
  • Practice solving as many accounting problems as you can whenever you can.
  • You will encounter a multifold of formulae, which might feel overwhelming at first. But if you practice plenty of questions, you needn't put any extra effort mugging up the formulae.
  • Note down any formula you come across and maintain a list.


  • Make your crisp notes. The syllabus for this paper includes many theories and definitions. The content is, therefore, voluminous. Write down the important points and keywords in your notes.
  • Revise the notes.
  • Solve practice papers.

Question papers

The institution does not release the original question paper as the test is computer-based. However, there are plenty of sources where you can find a collection of previous years questions. One such source is JAIIB Practice Exams Lite, a free app available on Google Play Store with access to over 1200+ JAIIB Practice Exam questions.

JAIIB/CAIIB is an open-source website that offers free mock tests for JAIIB and CAIIB Examinations

Recommended Books for JAIIB Examination 2021

Principles and Practices of Banking

Book nameAuthor/Publication
Objective Banking and Financial AwarenessDhankar Publication
Principles and Practices of Banking 3rd EditionMacmillan Education
JAIIB Practice Work Book 7th EditionExam Block

Accounting and Finance for Bankers

Book nameAuthor/Publication
Accounting and Finance for BankersMacmillan Education
Banking Awareness (Objective with Subjective)Sangram Keshari Rout
Fast Track Objective ArithmeticRajesh Varma/ Arihant

Legal and Regulatory Aspects of Banking

Book nameAuthor/Publication
Legal and Regulatory Aspects of BankingIIBF
Analytical ReasoningMK Pandey
Objective Banking & Financial AwarenessDhankar Publication

AIIB Study Notes (Android app on Google Play ) - Free study notes for JAIIB examination.

Study Plan for JAIIB Examination 2021

A study plan is specific to a particular candidate. What works for one may not for another. However, you can follow some simple guidelines to draft your study plan.

Making a Schedule - divide the syllabus into small topics and allot time for each of those according to the priority list prepared by you before starting. Dedicate two hours at the end of each day for revision. Do not overload yourself for a single day. Remember to take breaks in between. Distribute the syllabus throughout the preparation period.

Solve old question papers - Solving these will help you get familiar with the exam pattern and type of questions asked.

Pay attention to time management - Solving a maximum number of questions in the stipulated time is challenging. Time yourself whenever you are cracking an old question paper or attempting a mock test. Stay aware of your time management skills and try to improve them for practising more.

Practise - all the questions in the JAIIB examination are of objective type. These need to be practised repeatedly.

JAIIB Examination 2021 Examination Schedule

Read the detailed notification mentioning important details of JAIIB here.

We will update the examination dates here, so stay with us!