JAIIB Previous Year Question Paper with Answers PDF Download

JAIIB Exam Previous Years PYQ

If you intend to take the JAIIB (Junior Associate of the Indian Institute of the Bankers) exam, analysing the previous years’ questions can be a wise decision. The solved previous years’ question papers of JAIIB allows you to get an insight into the exam which can help you in strategizing your preparation.

JAIIB Exam Previous Years Questions

Understanding JAIIB’s previous years’ questions is one of the most effective ways to prepare for the exam. It provides a valuable glimpse into the exam’s pattern, important topics, and difficulty level. Analysing these solved previous years’ question papers can help aspirants fine-tune their preparation strategies and identify areas that require more focus.

Here is the list of the component-wise JAIIB previous years’ questions with answer keys in a PDF format:

JAIIB Exam Previous Years Questions with Answers (PDF)
SNo. Component-Wise JAIIB PYQsDownload Link
1Indian Economy and Indian Financial System (IE&IFS) PYQsDownload as PDF
2Principles and Practices of Banking (PPB) PYQsDownload as PDF
3Accounting & Financial Management for Bankers (AFM) PYQsDownload as PDF
4Retail Banking and Wealth Management (RBWM) PYQsDownload as PDF
JAIIB eBook Topics and Strategy

JAIIB Exam Pattern

Here’s a detailed overview of the JAIIB exam pattern:

SNo.PapersNo. of QuestionsTotal
Marks
Time Duration
1Paper 1: Indian Economy and Indian Financial System (IF and IFS)1001002 hours
2Paper 2: Principles and Practices of Banking (PPB)1001002 hours
3Paper 3: Accounting & Financial Management for Bankers (AFM)1001002 hours
4Paper 4: Retail Banking and Wealth Management (RBWM)1001002 hours
JAIIB Exam Pattern

JAIIB Exam Pattern: Other Details

The JAIIB Exam is held online, and the type of questions are multiple-choice. Each paper carries 100 marks, and there is no negative marking for wrong answers. Each paper is held on different dates, and the duration for each paper is 2 hours. The cut-off for each paper is 50%, i.e., 50 marks out of 100. There are 50 questions of 0.5 marks, 25 of 1 mark, and 25 of 2 marks.

For your easy understanding, we have provided the above-mentioned information in a table form below.

Other Details of the JAIIB Exam Pattern
Total Marks400 
Negative MarkingNo negative marking
Marking Scheme50 questions of 0.5 marks25 questions of 1 mark25 questions of 2 marks
Mode Online
NatureObjective (MCQs)
Cut-Off Marks50 marks out of 100 (for each subject)

Having acquainted yourself with the JAIIB exam pattern, let’s explore its syllabus to prepare effectively.

Important Note: 

JAIIB Exam Syllabus

The JAIIB exam syllabus consists of four papers, each further divided into four modules. The detailed JAIIB exam syllabus is explained below:

Papers ModulesSyllabus
Paper 1: Indian Economy and Indian Financial System (IE&IFS)Module AIndian Economic Architecture
Module BEconomic Concept Related to Banking
Module CIndian Financial Architecture
Module DFinancial Products and Services
Paper 2: Principles and Practices of Banking (PPB)Module AGeneral Banking Operations
Module BFunctions of Banks
Module CBanking Technology
Module DEthics in Bank & Financial Institutions
Paper 3:Accounting & Financial Management for Bankers (AFM)Module AAccounting Principles and Processes
Module BFinancial Statement and Core Banking Systems
Module CFinancial Management
Module DTaxation and Fundamental of Costing
Paper 4: Retail Banking and Wealth Management (RBWM)Module ARetail Banking
Module BRetail Products and Recovery
Module CSupport Services – Marketing of Banking Services/Products
Module DWealth Management


JAIIB PYQ Analysis

Here is the subject-wise PYQ analysis of the JAIIB exam:

JAIIB IE&IFS PYQs Analysis

We have analysed the previous year’s questions of IE&IFS to help you understand its difficulty level, important modules, etc. Here is our analysis:

  • The difficulty level of the JAIIB IE&IFS paper was between moderate to difficult.
  • The paper was lengthy as statement-based questions were asked, which took time to solve. 
  • Conceptual and odd-one-out types of questions were asked.
  • A few numerical questions were also asked from topics such as the Consumer Price Index. 
  • Maximum questions were asked from Module D.


JAIIB IE&IFS Most Important Topics

Based on our analysis, here are the most important topics for the JAIIB IE&IFS paper.

1. Module A: Indian Economic Architecture

Module A: Indian Economic Architecture
SNo.ChaptersTopics
1An Overview of the Indian EconomyBasic Characteristics of Indian Economy – World Bank Classification Economy till 2008 & after 2008 – Hindu Rate & Growth
2Sectors of the Indian EconomyRole & Importance of Primary, Secondary & Tertiary Sector Sunrise Sector of Indian Economy
3Economic Planning in India and NITI AayogFive Years Plans in India NITI Aayog – Strategy for New India @ 75
4Role of Priority Sector and MSME in the Indian EconomyList of Priority Sectors Identified in India & PSL Targets
5Infrastructure including Social Infrastructure Energy Power, Transport system viz., Rail, Road, Civil Aviation – Initiative given
6Economic ReformsEconomic Transformation – Financial Sector – Narasimham Committee
7Foreign Trade Policy, Foreign Investments, and Economic DevelopmentFDIs, FIIS, and Recent Trends
8Climate Change, Sustainable Development Goals (SDGs)India’s progress in SDGs, including Climate change, CSR Activities – Initiatives, CoP 26, CSR

2. Module B: Economic Concepts Related to Banking

Module B: Economic Concepts Related to Banking
SNo.ChaptersTopics
1Fundamentals of Economics, Microeconomics, Macroeconomics, and Types of EconomiesEconomics – An Introduction – The Three Definitions
2Supply and DemandForces Behind the Demand Curve
3Money Supply and InflationMoney Supply – Measures, Money Multiplier, Velocity, Characteristics of Currency
Measures of Inflation – CPI, WPI, GDP Deflator
4Theories of InterestKeynes’ Liquidity Preference Theory of Rate of Interest Effect of Fiscal and Monetary
5Business CyclesCharacteristics of a Business Cycle
6Monetary Policy and Fiscal PolicyGDP and Related Concepts Utility
7National Income and GDP ConceptsFDIs, FIIS, and Recent Trends
8Union BudgetExpenditure & Receipts

3. Module C: Indian Financial Architecture

Module C: Indian Financial Architecture
SNo.ChaptersTopics
1Indian Financial System – An overviewPhase I & II: Bank Nationalisation
2Indian Banking StructureTypes of Banks
3Banking Regulation Act, 1949 and RBI Act, 1934RBI Act, 1934 – Paid-up Capital and Board of Directors Banking Regulation Act, 1949
4Development Financial InstitutionsEvolution of DFIs National Bank for Financing Infrastructure and Development (NaBFID)
5Micro Finance InstitutionsEvolution of Microfinance in India and PSL norms SHG-Bank Linkage
6Non-Banking Financial CompaniesNBFS Definition and types
7Insurance CompaniesPrivatisation and Foreign Direct Investment (FDI) in Insurance Sector
8Reforms & Developments in the Banking SectorBad Bank

4. Module D: Financial Products and Services

Module D: Financial Products and Services
SNo.ChaptersTopics
1Overview of Financial MarketsPrice Discovery
2Money Markets and Capital MarketsNotice Money and Term Money Repo, LTRO, TLTRO
3Fixed Income Markets – Debt/Bond MarketsBond Valuation and Theorems Derivatives Association of India RBI Retail Direct Scheme (RDS)
4Forex MarketsForeign Exchange Management Act (FEA), 1999
5Interconnection of various markets/Market DynamicsAsian Clearing Union
6Merchant Banking ServicesDefinition and SEBI Regulations
7Factoring, Forfaiting & TreDSDefinition & Types
8Venture CapitalConcept of Venture Capital, Stages & Exit routes
9Leasing and Hire PurchaseDefinition, Types, and Parties Involved
10Credit Rating Agencies and Their FunctionsCredit Rating Agency (CRAs) – Definition & History
11Insurance Products & Ch43. Pension Funds (include APY, NPS)Government Products – Insurance (PMJJBY, PMSBY) & Pension (APT, PPF, NPS)
12Real Estate Investment Funds/ Infrastructure Investment FundREITs & InvITs – Definition & Types

After analysing paper 1, IE&IFS, and getting familiar with its important topics, let’s take a look at the PPB PYQs analysis and understand the important questions for paper 2.

JAIIB PPB PYQs Analysis

We have analysed the previous year’s questions of PPB to help you understand its difficulty level, important modules, etc. Here is our analysis:

  • The paper’s difficulty level was moderate.
  • Maximum questions could be easily solved by using the option elimination method.
  • The majority of the questions were asked from Modules A and B.


JAIIB PPB Most Important Topics

Based on our analysis, here are the most important topics for the JAIIB PPB paper.

1. Module A: General Banking Operations

Module A: General Banking Operations
SNo.ChaptersTopics
1Banker-Customer RelationshipBanker-Customer Relationship 
2AML-KYC GuidelinesPMLA, Reporting Obligations
3Operational Aspects of KYCKYC-Individuals
4Opening A/C of Various types of CustomersIndividuals, KJoint, Illiterate, Blind, Minor, Partnership, LLP
5Operational Aspects ofDeposit A/CsOperational Instructions in Joint Accounts, Attachment Orders
6Operational Aspects of Handling CashCTS
7Banker’s Special RelationshipMandate, POA, Lien, Appropriation
8Dorex Remittance Facilities for IndividualsLRS, Outward Remittances
9Aspects of NRI BusinessNRE, NRO, FCNR, SNRR
10Foreign Currency A/Cs for ResidentsForeign Currency Denomination A/Cs
11Payment and collection of Cheques and other Negotiable InstrumentsNIA, Paying & Collecting Bank Duties, Endorsement, Crossing, and Dishonour 
12Ancillary ServicesDemand Draft Locker
13Duties & Rights of a Banker and CustomerTermination of BCSBI Codes
14Grievance Redressal & RBI Integrated Ombudsman SchemeOmbudsman Scheme
15The Consumer Protection Act, 2019Product Liability, Councils, Commissions
16Right to Information Act, 2005PIOs, Anneals, Public Authority

2. Module B: Functions of Banks

Module B: Functions of Banks
SNo.ChaptersTopics
1Principle of LendingTypes of Borrowers, Credit facilities
2Appraisal & Assessment of Credit FacilitiesOnly Definitions
3Operational Aspects of Loan AccountsCommon Loan Products
4Types of Collaterals & Their CharacteristicsImmovable Property, LTV ratios, nature of charge created
5Different Modes of Charging SecuritiesFull Chapter
6NPAs/Stressed AssetsAsset classification, SMA, Wilful Defaulters (Table)
7Important Laws Relating to Recovery of DuesBasics of Acts
8Contracts of GuaranteeTypes of Guarantee
9Contract of IndemnityFull Chapter
10Letters of CreditTypes, Documents
11Laws Relating to Bill FinanceClassification of Bills
12Priority Sector AdvancesTargets/Sub-Targets & Categories
13Agricultural FinanceKCC, PMFBY, MSP
14MSMEs in IndiaClassification, TreDS, PM savNIDHI
15Government Sponsored SchemeIn News
16GHGsFull Chapter

3. Module C: Banking Technology

Module C: Banking Technology
SNo.ChaptersTopics
1Essential of Bank ComputerisationNetworking Technology, definitions
2ADC-Digital BankingATM, Electromagnetics Cards, Net Banking
3Data Communication Network and EFT SystemsNEFT, RTGS, SWIFT, Definitions
4Digital Payment System – NPCIFull Chapter
5Technology Trends in BankingAI, Chatbots, Blockchains, Crypto, VR, AR, 5G
6Security ConsiderationsVising, Smishing, Malware, Phishing

4. Module D: Ethics in Banking & Financial Institutions

Module D: Ethics in Banking & Financial Institutions
SNo.ChaptersTopics
1Ethics, Business Ethics & BankingEthics & Value
2Ethics at Individual LevelGolden Rule, Ethical Dilemmas
3Ethics Dimensions – EmployeesInsider Trading, Job discrimination
4Work Ethics and the WorkplaceWhistleblowing
JAIIB Live Workshop

After analysing paper 2, PPB, and getting familiar with its important topics, let’s take a look at the AFM PYQs analysis and understand the important questions for paper 3.

JAIIB AFM PYQs Analysis

We have analysed the previous year’s questions of AFM to help you understand its difficulty level, important modules, etc. Here is our analysis:

  • The paper’s difficulty level was moderate.
  • Numericals were asked from simple topics such as cash flow, depreciation, etc., and there were no numericals from forex arithmetic, bond value, and interest.
  • There were lots of conceptual questions from Modules A and D.
  • No questions were asked from the topic—Financial Statements of Banking Companies.


JAIIB AFM Most Important Topics

Based on our analysis, here are the most important topics for the JAIIB AFM paper.

1. Module A: Accounting Principles & Processes

Module A: Accounting Principles & Processes
SNo.ChaptersTopics
1Definition, Scope, and Accounting Standards, including IndASAccounting Standards
2Basic Accountancy ProceduresConcepts of Accountancy
3Maintenance of Cash/Subsidiary Books and LedgerRules of Debit & Credit
4Bank Reconciliation StatementBank Reconciliation Statement
5Trial Balance, Rectification of Errors and Adjusting & Closing EntriesTypes of Errors & Suspense Accounts
6Depreciation & its Accounting Different Methods of Depreciation 
7Capital & Revenue ExpenditureExamples of Capital & Revenue Expenditure
8Bills of ExchangeImportant Terms Related to Bills of Exchange
9Back Office Functions/Handling Unreconciled Entries in BanksReconciliation of Inter Branch/Office Entries
10Bank Audit & InspectionTypes of Bank Audits & Their Details

2. Module B: Financial Statement and Core Banking Systems

Module B: Financial Statement and Core Banking Systems
SNo.ChaptersTopics
1Preparation of Final AccountsPreparation of Balance Sheet and Profit & Loss Account
2Company Accounts – IDefinition & Types of Companies
3Company Accounts – IIForm of Balance Sheet
4Cash Flow & Funds FlowComponents of Cash Flow
5Final Accounts of Banking CompaniesPreparation of Final Systems & Disclosure Requirements
6Core Banking Systems & Accounting in ComputerisedTerms, Advantages & Disadvantages of Computerised Accounting

3. Module C: Financial Management

Module C: Financial Management
SNo.ChaptersTopics
1Financial Management – An OverviewPrinciples, Risk Return Trade-Off, Ethics & Social Responsibility
2Ratio AnalysisDifferent Types of Ratios
3Financial Mathematics – Calculation of Interest and AnnuitiesCalculation of Simple & Compound Interest and Definition of Annuities
4Financial Mathematics – Calculation of YTMBond Theorems, Bond Price Volatility
5Capital Structure & Cost of CapitalApproaches and Weighted Average Cost of Capital
6Equipment Leasing/Lease FinancingTypes of Leases
7Working Capital ManagementWorking Capital Cycle
8DerivativesTypes of Derivatives

4. Module D: Taxation & Fundamentals of Costing

Module D: Taxation & Fundamentals of Costing
SNo.ChaptersTopics
1Taxation: Income Tax/TDS/Deferred TaxTCS, TDS, and Deductions
2An Overview of Cost & Management Accounting Methods & Significance of Cost & Management Accounting 
3Costing Methods Applications of Costing Methods
4Standard Costing Applications of Standard Methods
5Marginal CostingProfit Volume Ratio & its Significance
6Budget & Budgetary ControlTypes of Budget

After analysing paper 3, AFM, and getting familiar with its important topics, let’s take a look at the AFM PYQs analysis and understand the important questions for paper 4.

JAIIB RBWM PYQs Analysis

We have analysed the previous year’s questions of RBWM to help you understand its difficulty level, important modules, etc. Here is our analysis:

  • The difficulty level of this paper was moderate.
  • There were in-depth questions asked from Module B.
  • There were 2 case studies in the paper.

After analysing the questions in the previous AFM paper, we identified the most important topics from each module.

JAIIB RBWM Most Important Topics

Based on our analysis, here are the most important topics for the JAIIB RBWM paper.

1. Module A: Retail Banking

Module A: Retail Banking
SNo.ChaptersTopics
1Retail Banking: IntroductionCharacteristics, advantages, and constraints in Retail Banking
2Retail Banking: Role within the Bank OperationsBusiness Models
3Applicability of Retail Banking Concepts and Distinction between Retail and Corporate/Wholesale BankingDistinction between Retail and Corporate/ Wholesale Banking
4Branch ProfitabilityCategories of Profit, Return on Asset, Return on Equity, Branch Operating Efficiency, Factors affecting profitability

2. Module B: Retail Products and Recovery

Module B: Retail Products and Recovery
SNo.ChaptersTopics
1Customer RequirementsMaslow’s Theory
2Product Development ProcessProduct Life Cycle, Debit or Credit Products, Third Party Products, Product Management
3Credit ScoringCredit Scoring Model, Credit Information Companies in India, Issues in Credit Scoring
4Important Retail Liability ProductsTypes of deposits
5Important Retail Asset productsPMAY, Types of Loans
6Credit and Debit CardsCo-Branded Cards
7Remittance ProductsNEFT, RTGS, ECS, NACH, BBPS, AePS
8Digitisation of Retail banking ProductsIDRBT, INFINET, SFMS, ISCC, NFS
9Role of AI and Technology in Retail Banking ProductsBenefits of AI in Retail Banking
10Recovery of Retail LoansSARFAESIAct, DRT, Lok Adalat
11Management Information SystemsRole of MIS in Banking Industry
12SecuritisationSecuritisation of Assets

3. Module C: Support Services – Marketing of Banking Services/Products

Module C: Support Services – Marketing of Banking Services/Products
SNo.ChaptersTopics
1Marketing: An IntroductionMarketing Mix
2Delivery Channels in Retail BankingChannel Experience, Internet Banking
3Delivery ModelsDirect Selling Agents, Dedicated Marketing Managers
4Customer Relationship Management in Retail BankingImplementation of Process of CRM, Benefits of CRM
5Service Standards for Retail BankingBCSBI Customer Grievance Handling
6Marketing Information System: A Longitudinal AnalysisFunctions of MKIS

4. Module D: Wealth Management

Module D: Wealth Management
SNo.ChaptersTopics
1Importance of Wealth ManagementInstruments of Wealth Management
2Investment ManagementPortfolio Management
3Tax PlanningAll Topics
4Other Financial Services Provided by BanksAll Topics
JAIIB eBook Most Important Questions

Conclusion

Analysing the JAIIB previous years’ questions is a strategic move for aspirants to gain valuable insights into the paper. The solved JAIIB PYQs allow you to understand question patterns, important topics, and the difficulty level of the paper. Analysing and understanding these PYQs allows you to tailor your exam strategies and adjust your approach for maximum efficiency.

FAQs

1. Can analysing PYQs help me score better in the JAIIB exam?

Yes, analysing PYQs can help you understand the exam pattern, syllabus, and difficulty level of the question asked. This information helps in refining your preparation and mastering important topics that ultimately help you score better in the JAIIB exam.

2. Are PYQs sufficient for JAIIB preparation?

No, only PYQs are not sufficient for your JAIIB preparation. PYQs should be supplemented with comprehensive study materials, an understanding of concepts, and regular practice to ensure a well-rounded preparation for the JAIIB exam.

3. What is the time required to complete the syllabus?

On average, dedicating 2 hours daily for 1.5 months per subject is a good preparation strategy for JAIIB. However, keep in mind that this is a general estimate and can vary based on individual strengths and weaknesses.

4. Do the actual exam questions repeat from JAIIB previous year questions?

While exact questions may not repeat, practising PYQs familiarises you with the question format and helps you anticipate the types of questions likely to be asked.

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