The eligibility for the JAIIB exam is as follows:

  • The exam is open only to the ordinary members of the Indian Institute of Banking & Finance. (Any person working in the banking and finance industry whose employer is an Institutional member of the Institute can apply for membership.)
  • Candidates must have passed the 12th standard examination in any discipline or equivalent. The Institute may, however, at its discretion, allow any candidate from clerical or supervisory staff cadre of banks to appear at the examination on the recommendation of the Manager of the bank/officer-in-charge of the bank’s office where the candidate is working, even if they are not 12th standard pass or its equivalent.
  • The subordinate staff of recognised Banking/Financial Institutions in India who are members of the Institute are eligible to appear at the examination, provided they have passed the 12th standard examination or its equivalent.

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

SNo. Papers No. of Questions Total


Time Duration
1 Paper 1: Indian Economy and Indian Financial System (IE and IFS) 100 100 2 hours
2 Paper 2: Principles and Practices of Banking (PPB) 100 100 2 hours
3 Paper 3: Accounting & Financial Management for Bankers (AFM) 100 100 2 hours
4 Paper 4: Retail Banking and Wealth Management (RBWM) 100 100 2 hours

JAIIB Exam Pattern: Additional 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.

Additional Details of the JAIIB Exam Pattern
Total Marks 400 
Negative Marking No negative marking
Marking Scheme 50 questions of 0.5 marks25 questions of 1 mark25 questions of 2 marks
Mode  Online
Nature Objective (MCQs)
Cut-Off Marks 50 marks out of 100 (for each subject)


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


Papers  Modules Syllabus
Paper 1: Indian Economy and Indian Financial System (IE&IFS) Module A Indian Economic Architecture
Module B Economic Concept Related to Banking
Module C Indian Financial Architecture
Module D Financial Products and Services
Paper 2: Principles and Practices of Banking (PPB) Module A General Banking Operations
Module B Functions of Banks
Module C Banking Technology
Module D Ethics in Bank & Financial Institutions
Paper 3:Accounting & Financial Management for Bankers (AFM) Module A Accounting Principles and Processes
Module B Financial Statement and Core Banking Systems
Module C Financial Management
Module D Taxation and Fundamental of Costing
Paper 4: Retail Banking and Wealth Management (RBWM) Module A Retail Banking
Module B Retail Products and Recovery
Module C Support Services – Marketing of Banking Services/Products
Module D Wealth Management

Candidates must meet the qualifying criteria below to clear the JAIIB examination.

  • The minimum mark required to pass in each subject is 50 out of 100.  
  • Candidates securing at least 45 marks in each subject with an aggregate of 50% marks in all subjects of the examination in a single attempt will also be declared as having completed the examination. 
  • Candidates will be allowed to retain credits for the subject they have passed in an attempt till the expiry of the time allotted for passing the examination.

Class of Pass Criteria

Here is the class of pass criteria for the JAIIB exam:

  • First Class: 60% or more marks in aggregate and pass in all the subjects in the FIRST PHYSICAL ATTEMPT
  • First Class with Distinction: 70% or more marks in aggregate and 60% or more marks in each subject in the FIRST PHYSICAL ATTEMPT

The JAIIB paper is qualifying in nature, and the minimum marks required to pass in each subject is 50 out of 100. Candidates must secure at least 45 marks in each subject with an aggregate of 50% marks in all subjects of the examination in a single attempt to clear the exam. However, achieving the target of scoring 50 marks in each subject is not a simple task. It requires a practical preparation strategy, a disciplined approach, and effective time management.

Here’s a step-by-step guide to help you prepare effectively:

Step 1: Make Up Your Mind

The initial step for the JAIIB Exam begins with making up your mind. Having already succeeded in a competitive exam to secure a position as a clerk or an officer, with dedicated effort, cracking JAIIB is well within reach. 

Make sure you don’t make any excuses, as making excuses will hinder your progress, resulting in both financial and confidence setbacks. Moreover, don’t be content with your current position. Always motivate yourself (be it monetary benefits, promotion, etc.) and make up a firm mind to clear the exam. 

Step 2: Understand the JAIIB Exam Pattern and Syllabus

Familiarise yourself with the exam pattern, marking scheme, and syllabus. Understand the number of papers, subjects, modules of each subject, and important topics. 

Step 3: Identify Sources

After understanding your subjects, it’s time to identify your sources for preparation. The market is filled with a variety of sources, both online and offline, creating confusion about which source to consider. Avoid confusion by clearly defining which source to utilise for each specific subject or topic. 

Step 5: Self-Study or Coaching

To identify whether you can do self-study or need coaching, you need to ask yourself these questions.

  1. Do you have basic knowledge of each subject?
  2. Can you analyse the previous years’ papers on your own?
  3. Can you understand topics from books and other free materials on your own?
  4. Can you ensure self-discipline?

If you can do all of the above-mentioned points, you can clear the exam using free materials and self-study. However, if you cannot, coaching will help you prepare for the JAIIB exam.

Having said this, always remember that coaching serves 4 important purposes:

  • The expert faculty does the hard part of analysing the previous years’ questions.
  • You get everything you need to clear the exam in one place, and this saves you time.
  • You get doubts support, so whenever you have any doubt related to any subject, you know there is a mentor you can contact.
  • You get a community of like-minded people sailing in the same boat as yours, giving a feeling of belongingness.

This is an overall strategy for your JAIIB preparation.