Complete Guide · IIBF Flagship Certification
JAIIB 2026: The Complete Guide for Bank Employees
यह गाइड हिंदी में पढ़ें →मराठीत वाचा →
Benefits, eligibility, syllabus, pattern, passing rules, attempt limits, fees, photo specifications, the full centre list and exam-day reporting rules — all verified against IIBF's own documents, not copied from coaching summaries.
November 2026 exam: registration closed, papers in November
Registration for the November 2026 cycle (after its dates were pushed back more than once) is now closed. Paper-wise dates: 1 November (IE & IFS), 22 November (PPB), 28 November (AFM) and 29 November 2026 (RBWM).
Download your admit card from the IIBF portal and read the exam-day reporting rules below. The next cycle is expected in May/June 2027 — treat dates as final only once IIBF notifies them.
Updated 30 October 2026. This box is updated each time IIBF issues a notice.
🎓 Arthzo LMS · JAIIB Course
Prepare for JAIIB in one place — a course built by a banker
- IE & IFS and PPB: notes, thousands of MCQs, case studies and numericals — ₹500 per paper (6 months)
- AFM and RBWM: free — just sign up
- Free preview in every course — look inside before you buy
Official IIBF links
Everything on this page comes from these sources. Use them directly for anything time-sensitive — registration dates, fee changes and centre lists can all move.
IIBF has migrated to a new digital candidate portal. If an older login URL fails, start from the portal link above.
What JAIIB is, and why bankers take it
JAIIB — Junior Associate of the Indian Institute of Bankers — is the flagship entry-level certification of the Indian Institute of Banking & Finance. IIBF states its objective as building the basic knowledge needed for day-to-day banking operations: the role of the financial sector in the economy, banking and financial services, accountancy and financial management, retail banking, wealth management, digital banking products, banking technology and customer relations.
In practice it is the first professional milestone in an Indian banking career, and for most bank employees it is less optional than it looks. It is conducted twice a year, in online mode, and is open only to IIBF members.
Advantages of clearing JAIIB
1. Direct pay benefit
Under the bipartite settlement framework for workmen and the corresponding joint note for officers, acquiring JAIIB carries an advance increment in the pay scale for eligible cadres. Where the required increments are not available in the scale at that stage, the settlement provides for release of Graduation Pay or Professional Qualification Pay instead, with subsequent instalments referenced to that release date.
Be careful with the numbers you read online
Many sites quote exact rupee figures for the JAIIB increment. The actual benefit depends on your cadre, your current stage in the scale, whether increments are available to be released as advance increments, and your own bank's implementing circular. Some banks additionally pay Professional Qualification Pay beyond the settlement provisions.
Check your bank's own circular on advance increments and PQP rather than relying on a generic figure. Your HR or staff union office will have it.
2. Promotion weightage
Most banks award marks or weightage for JAIIB in internal promotion processes, and several treat it as a prerequisite for movement into the junior management grade. This is bank-specific and set out in your promotion policy — worth reading before the cycle you intend to sit.
3. Gateway to CAIIB and beyond
JAIIB is the prerequisite for CAIIB, which carries its own increment benefit and opens specialised electives. There is also a professional conversion route from JAIIB toward the Associate Chartered Banker qualification.
4. Competence that shows at the counter
The syllabus is unusually practical for a certification exam — KYC and AML operations, cheque and negotiable instrument liability, NPA classification, priority sector norms, CBS operations, retail products. Bankers who clear it generally handle customer queries and audit questions with more confidence, because the material is what the branch actually runs on.
5. Long-term compounding
Because the benefit lands in basic pay, it flows through to DA, HRA and other allowances calculated on basic, and onward to provident fund, pension and gratuity. The value of clearing JAIIB early in a career is considerably larger than the first month's difference suggests.
Who can apply
- The examination is open only to ordinary members of IIBF. Any person working in the banking and finance industry whose employer is an institutional member of the Institute can apply for membership. Sort membership out before the window opens — it is the commonest reason an application fails.
- Candidates must have passed the 12th standard in any discipline, or its equivalent.
- IIBF may at its discretion allow a candidate from the clerical or supervisory staff cadre to appear on the recommendation of the branch Manager or officer-in-charge, even without the 12th standard qualification.
- Subordinate staff of recognised banking and financial institutions who are members may appear, provided they have passed the 12th standard or its equivalent.
- Non-bankers should look at the DB&F route instead; IIBF operates both credit transfer and conversion facilities from DB&F to JAIIB.
JAIIB November 2026 exam dates
The four papers are held on separate dates in online mode.
| Date | Day | Subject |
|---|---|---|
| 1 November 2026 | Sunday | Indian Economy & Indian Financial System |
| 22 November 2026 | Sunday | Principles & Practices of Banking |
| 28 November 2026 | Saturday | Accounting & Financial Management for Bankers |
| 29 November 2026 | Sunday | Retail Banking & Wealth Management |
Note the shape of this calendar: a three-week gap after Paper 1, then AFM and RBWM on consecutive days. Plan those last two together — there is no recovery day between them.
Registration windows and fees
IIBF staggers the fee by registration week to spread portal traffic. The windows originally published for the November 2026 cycle were as follows (the next cycle is expected to follow the same structure).
| Window | Dates as published | Fee payable |
|---|---|---|
| Week 1 | 10–16 August 2026 | Normal fee |
| Week 2 | 17–23 August 2026 | Normal fee + ₹100 |
| Week 3 | 24–31 August 2026 | Normal fee + ₹200 |
IIBF's rules also provide that if a registration date is extended beyond four weeks, the fee for the extended days is the normal fee plus ₹200. Expect the next cycle to follow the same three-tier structure.
Examination fees
| Attempt | Fee |
|---|---|
| First attempt | ₹4,000 |
| Second attempt | ₹1,300 |
| Third attempt | ₹1,300 |
| Fourth attempt | ₹1,300 |
| Fifth attempt | ₹1,300 |
- All fees attract convenience charges and applicable taxes on top.
- You must register separately for every attempt.
- Fees once paid are not refunded or adjusted on any account.
Exam pattern
- Questions: approximately 100 objective multiple-choice questions for 100 marks per paper. IIBF may vary the number of questions for a subject.
- Duration: 2 hours per paper.
- Mode: online only.
- Negative marking: none.
- Medium: Hindi or English, chosen at registration. Change of medium is not permitted at a later stage.
- Frequency: half-yearly, on pre-announced dates. IIBF may change periodicity depending on industry requirements.
Correction: JAIIB has no negative marking
Several prep sites currently claim a 25% deduction for wrong answers. IIBF's Rules & Syllabus 2026 states plainly, under Pattern of Examination, that there will be no negative marking for wrong answers. The confusion traces to a September 2022 communication signalling its introduction, which was subsequently withheld.
Practical consequence: never leave a question blank. A blank and a wrong answer both score zero, so every guess is free. Reserve your final five minutes to fill every remaining option.
Passing criteria
Route 1 — standard
50 / 100
Minimum 50 marks in each subject.
Route 2 — aggregate concession
45 + 50%
At least 45 marks in each subject with a 50% aggregate across all subjects, in a single attempt, also counts as having completed the examination.
The single-attempt condition is the most misread rule in JAIIB. The concession applies only when the qualifying marks come from one sitting. Clear papers across different attempts and you are held to the plain 50-mark standard in each.
Credit retention
Pass a subject in an attempt and you retain that credit until the time limit for passing the examination expires. You re-sit only what remains — but read the attempt-limit section, because those credits are not permanent.
Class of pass
A class is awarded only to candidates who clear everything in the first physical attempt — meaning they must not have attempted any subject of that examination at any time in the past.
| Class | Requirement |
|---|---|
| First Class with Distinction | 70% or more in aggregate and 60 or more marks in each subject, in the first physical attempt |
| First Class | 60% or more in aggregate and a pass in all subjects, in the first physical attempt |
| Pass Class | Candidates not fulfilling either of the above |
Candidates re-enrolling after exhausting all permissible attempts are awarded Pass class regardless of subsequent marks. Worth knowing before you decide to casually "try one paper this cycle" — that attempt permanently closes the door on a class.
Attempts and time limit
- 5 attempts within a maximum of 3 years, whichever is earlier, from the date of registration for the first attempt.
- The five attempts need not be consecutive.
- An attempt is counted when you apply, irrespective of whether you actually appear. Registering and then skipping still burns an attempt.
- Six examinations fall within a three-year window, so you will normally be eligible to apply for five of those six.
- Exhaust five attempts before three years, or let three years pass without using five, and you must re-enrol afresh.
- On re-enrolment you are not granted credit for subjects passed earlier. You start from zero.
- Candidates debarred for unfair means have attempts counted during the debarment period.
The trap that catches working bankers
Many register, then hit a transfer, an audit or a busy quarter and quietly skip the exam assuming nothing is lost. It is: that attempt is gone. If your leave or workload looks doubtful, decide before you pay, not after.
Syllabus — all four papers
Each paper has four modules, A to D. IIBF describes the published syllabus as indicative: all matters within the realm of the subject can be examined, and questions on current developments may be asked even where a topic is not listed.
The summaries below condense the official document. For the full unit-level breakdown, download the IIBF JAIIB Rules & Syllabus 2026 PDF.
Indian Economy & Indian Financial System
Module A — Indian Economic Architecture
Overview and evolution of the Indian economy; economic planning; sectors of the economy; priority sector and MSME; infrastructure including social infrastructure; globalisation; economic reforms; foreign trade policy and foreign investment; international economic organisations; climate change and SDGs; issues facing the Indian economy.
Module B — Economic Concepts Related to Banking
Fundamentals of economics and types of economies; supply and demand; money supply and inflation; theories of interest including the IS-LM model; business cycles; monetary and fiscal policy and the FRBM Act; national income and GDP concepts; the Union Budget.
Module C — Indian Financial Architecture
Overview of the Indian financial system; Indian banking structure; Banking Regulation Act 1949 and RBI Act 1934; development financial institutions; microfinance institutions; NBFCs and scale-based regulation; insurance companies; roles of RBI, SEBI, IRDAI and PFRDA; reforms and developments in the banking sector.
Module D — Financial Products and Services
Financial markets; money and capital markets; fixed income and bond markets; stock exchanges; forex markets; market interconnectedness; merchant banking; derivatives including credit default swaps; factoring, forfaiting and TReDS; venture capital; leasing and hire purchase; credit rating agencies; mutual funds; insurance products; pension funds including NPS and APY; para-banking guidelines; REITs and InvITs.
Principles & Practices of Banking
Module A — General Banking Operations
Banker-customer relationship; AML-KYC guidelines and operational aspects of KYC; opening accounts of various customer types; deposit account operations; clearing, collection and cash handling; banker's special relationship — lien, set-off, appropriation; foreign exchange remittance facilities; NRI business; foreign currency accounts for residents; cash management services; payment and collection of cheques and negotiable instruments; responsibilities of paying and collecting banks; ancillary services; financial inclusion and literacy; customer service guidelines; duties and rights of banker and customer; grievance redressal and the RBI Integrated Ombudsman Scheme 2021; Consumer Protection Act 2019; Right to Information Act 2005.
Module B — Functions of Banks
Principles of lending, borrowers and credit facilities; credit appraisal and assessment; loan account operations; collaterals and modes of charging securities; documentation; NPAs and stressed assets; recovery laws including DRT, SARFAESI, IBC and the Law of Limitation; contracts of indemnity and guarantee; bank guarantees; letters of credit; deferred payment guarantees; bill finance; credit cards, home, personal and consumer loans; priority sector advances; agricultural finance and KCC; finance to MFIs and co-lending; MSMEs; government sponsored schemes; self-help groups.
Module C — Banking Technology
Essentials of bank computerisation; CBS environment operations; alternate delivery channels and digital banking, including customer liability in unauthorised electronic transactions and turnaround-time harmonisation; data communication networks and EFT systems; digital payment systems and NPCI; technology adoption trends; security considerations and mitigation; cyber crime and fraud risk management; e-RUPI, fintech, RegTech, SupTech, account aggregators and open banking.
Module D — Ethics in Banks and Financial Institutions
Business ethics and banking; ethics at the individual level; ethical dimensions for employees; work ethics and the workplace including whistleblowing law in India; changing dynamics — data security, privacy, intellectual property and information security.
Accounting & Financial Management for Bankers
Module A — Accounting Principles and Processes
Definition, scope and accounting standards including Ind AS; basic accountancy procedures; cash and subsidiary books and ledgers; bank reconciliation statements; trial balance, rectification of errors, adjusting and closing entries; depreciation; capital and revenue expenditure; bills of exchange; operational aspects of accounting entries; back office functions and unreconciled entries; bank audit and inspection.
Module B — Financial Statements & Core Banking Systems
Balance sheet equation; final accounts; company accounts I and II; cash flow and funds flow; final accounts of banking companies including RBI and Basel III disclosure requirements; core banking systems and accounting in a computerised environment.
Module C — Financial Management
Overview of financial management; ratio analysis; financial mathematics — interest and annuities, YTM, forex arithmetic; capital structure and cost of capital; capital investment decisions and term loans; equipment leasing; working capital management; derivatives.
Module D — Taxation & Fundamentals of Costing
Income tax, TDS and deferred tax; GST; cost and management accounting; costing methods — unit, job, batch, contract, process and service costing; standard costing and variance analysis; marginal costing and breakeven analysis; budgets and budgetary control.
AFM carries the heaviest numerical load. If annuities, YTM and variance analysis are rusty, start here and give it the longest runway.
Retail Banking & Wealth Management
Module A — Retail Banking
Characteristics, advantages, constraints and evolution of retail banking; role within bank operations and business models; distinction between retail and corporate/wholesale banking; branch profitability, ROA, ROE and strategies for improving operating efficiency.
Module B — Retail Products and Recovery
Customer requirements and service quality; product development process and life cycle; credit scoring; retail liability products — current, savings, term and recurring deposits, including Form 15G/15H and premature payment; retail asset products — home, vehicle, personal and education loans; credit and debit cards; remittance products including NEFT, RTGS, ECS, NACH, AePS and BBPS; digitisation of retail banking; AI and technology; recovery of retail loans including SARFAESI, DRT and Lok Adalat; management information systems; securitisation.
Module C — Support Services: Marketing
Marketing and the marketing mix in retail banking; delivery channels — branch, ATM, POS, mobile and internet banking, with customer liability on unauthorised electronic transactions; delivery models including DSAs and institutional tie-ups; customer relationship management; service standards and the Code of Banks' Commitment; marketing information systems.
Module D — Wealth Management
Wealth management process, products and services; investment and portfolio management; tax planning — residential status, heads of income, old versus new regime, capital gains, estate planning; other financial services provided by banks including third-party distribution, bancassurance, cross-selling and depository services.
Additional reading — Home Loans
Lender's appraisal procedure and documentation; mortgage and registration of documents; detection of forged title deeds; CERSAI registration; housing finance and tax planning; mortgage advice and loan amortisation; valuation of real property and reverse mortgage.
The cut-off date rule most candidates miss
IIBF asks questions on recent regulatory developments, but question papers are prepared well in advance, so a cut-off is fixed for which developments can appear.
| Examinations conducted during | Developments considered up to |
|---|---|
| March to August of a calendar year | 31 December of the preceding year |
| September to February | 30 June |
For the November 2026 papers
These fall in the September-to-February window, so regulatory instructions and developments up to 30 June 2026 are eligible for inclusion. Circulars issued in July 2026 or later fall outside it.
Use this. It bounds your current-affairs revision to a defined period instead of an open-ended one.
Photograph, signature and photo ID specifications
These are strict, and unclear images can get an application rejected. The photo and signature are printed on your ID card, admit letter and certificate.
| Item | Dimensions | File size | Format |
|---|---|---|---|
| Photograph | 100 × 120 px | 8 KB – 50 KB | jpg, 8-bit |
| Signature | 140 × 60 px | 8 KB – 50 KB | jpg, 8-bit |
| Photo ID | 400 × 420 px | 8 KB – 300 KB | jpg, 8-bit |
Photograph requirements
- Full face from top of hair to bottom of chin, face prominently visible at about 80% of the image, both ears visible.
- Eyes open, head centred, facing the camera directly.
- Plain white or off-white background.
- Not blurred, dim, overexposed, or shadowed on the face.
- Print clear and undamaged — not torn, creased or marked.
- No caps, hats, masks or dark glasses. No sunglasses or tinted spectacles, and no hair across the eyes.
Rejected examples in IIBF's own guidance include distracting backgrounds, off-centre framing, washed-out or pixelated colour, looking away, tinted glasses, hair across eyes, closed eyes, caps, masks, selfies, unusual postures and images that are simply too small.
Signature requirements
- Sign on white paper with a black ink pen, then scan it.
- The image must be horizontal and clearly visible. Inverted, very small or dark-background signature images are rejected.
Photo ID requirements
- Clear, readable and verifiable; image horizontal.
- Rejected examples include unclear or very small IDs, compressed images and truncated IDs.
The practical difficulty nobody warns you about
A 100 × 120 pixel JPEG that must still be at least 8 KB is an awkward target. Most phone photos, once resized to those dimensions, compress far below the 8 KB floor and get rejected for being too small. Resize to the exact pixel dimensions first, then adjust JPEG quality upward until the file lands between 8 KB and 50 KB.
JAIIB examination centre list
You select only the centre. The venue and time slot are allotted by IIBF. There is no provision to change the centre after a successful application, and no request for change will be entertained for any reason — so choose with care. IIBF conducts the examination only at centres where there are 20 or more candidates.
Andaman & Nicobar
Port Blair
Andhra Pradesh
Adoni, Anantapur, Chittoor, Kadapa, Eluru West Godavari, Guntur, Hindupur, Kakinada, Kurnool, Nandyal, Nellore, Ongole Prakasam, Palakol, Rajahmundry, Srikakulam, Tirupati, Vijayawada, Visakhapatnam, Vizianagaram
Assam
Dhubri, Dibrugarh, Guwahati, Jorhat, Kokrajhar, North Lakhimpur, Nagaon, Cachar Silchar, Tezpur, Tinsukia, Bongaigaon
Bihar
Begusarai, Bhagalpur, Darbhanga, Muzaffarpur, Patna, Purnea, Saharsa, Samastipur, Sasaram, Motihari, Gaya
Chandigarh
Chandigarh
Chhattisgarh
Ambikapur, Bhilai, Bilaspur, Jagdalpur, Raigarh, Raipur
Delhi
New Delhi
Goa
Margao, Panaji
Gujarat
Ahmedabad, Vadodara, Bhavnagar, Bhuj, Jamnagar, Junagadh, Porbandar, Rajkot, Surat, Vapi, Mehsana, Palanpur Banaskantha
Haryana
Ambala Cantt, Faridabad, Gurgaon, Karnal, Yamunanagar
Himachal Pradesh
Hamirpur, Mandi, Palampur, Shimla
Jammu & Kashmir
Anantnag, Baramulla, Jammu, Kathua, Leh, Poonch, Rajouri, Srinagar, Udhampur
Jharkhand
Bokaro, Daltonganj, Dhanbad, Hazaribagh, Jamshedpur, Ranchi, Deoghar, Sahibganj
Karnataka
Bagalkot, Bengaluru, Belagavi, Ballari, Bidar, Bijapur, Devanagere, Dharwad, Gulbarga, Hassan, Hubballi, Madikeri, Mangaluru, Mysuru, Raichur, Shivamogga
Kerala
Kozhikode, Kannur, Ernakulam, Kottayam, Palakkad, Kollam, Thiruvalla, Thrissur, Thiruvananthapuram
Madhya Pradesh
Balaghat, Bhopal, Chhatarpur, Chhindwara, Guna, Gwalior, Indore, Jabalpur, Khandwa, Khargone, Ratlam, Rewa, Sagar, Satna, Shahdol, Ujjain, Betul
Maharashtra
Ahmednagar, Akola, Amravati, Aurangabad, Mumbai, Buldhana, Chandrapur, Dhule, Jalgaon, Kalyan, Kolhapur, Latur, Nagpur, Nanded, Nashik, Parbhani, Pune, Ratnagiri, Sangli, Satara, Solapur, Thane, Wardha, Navi Mumbai, Mira Road
Manipur
Imphal
Meghalaya
Shillong, Tura
Mizoram
Aizawl
Nagaland
Kohima, Mokokchung
Odisha
Balasore, Berhampur, Bhawanipatna, Bhubaneshwar, Cuttack, Koraput, Rourkela, Sambalpur
Puducherry
Puducherry
Punjab
Abohar, Amritsar, Bhatinda, Ferozepur, Hoshiarpur, Jalandhar, Ludhiana, Mansa, Pathankot, Patiala, Sangrur
Rajasthan
Ajmer, Alwar, Banswara, Bhilwara, Bikaner, Sri Ganganagar, Jaipur, Jaisalmer, Jodhpur, Kota, Sawai Madhopur, Sikar, Udaipur
Sikkim
Gangtok
Tamil Nadu
Coimbatore, Dharmapuri, Erode, Karur, Chennai, Madurai, Nagercoil, Ooty, Salem, Thanjavur, Tiruchirappalli, Tirunelveli, Tirupur, Vellore
Telangana
Adilabad Utnoor, Hyderabad, Karimnagar, Khammam, Mahbubnagar, Nalgonda, Nizamabad Dichpally, Secunderabad, Warangal Hasanparthy
Tripura
Agartala
Uttar Pradesh
Agra, Aligarh, Allahabad, Azamgarh, Bareilly, Etah, Etawah, Faizabad, Ghaziabad, Ghazipur, Gonda, Gorakhpur, Jaunpur, Jhansi, Kanpur, Lucknow, Meerut, Moradabad, Muzaffarnagar, Saharanpur, Shahjahanpur, Varanasi
Uttarakhand
Dehradun, Haridwar, Nainital
West Bengal
Asansol, Barrackpore, Bardhaman, Kolkata, Cooch Behar, Malda, Midnapore, Serampore, Siliguri, Kharagpur
Centre availability can change between cycles, and IIBF has relocated venues at short notice in past cycles. Confirm the current list on the IIBF website at the time you register.
Centre reporting and exam-day rules
Admit letter
- No admit letter is issued at registration. It becomes available for download 10–15 days before the exam date, under Examination/Courses > Admit Letter on the IIBF site.
- Log in with your membership or registration number and edit-profile password. Forgotten the password? Use Forgot password / Get Password after entering your number, and a fresh one is emailed to your registered address.
- Carry a printed copy of the admit letter plus an original photo ID — membership card, Aadhaar or e-Aadhaar, employer's card, PAN, driving licence, voter card or passport.
- Without both, you will be denied permission to write the examination.
- The admit letter is valid only for the examination, dates and centre/venue printed on it.
Reporting
- Reach the venue before the reporting time on your admit letter. No candidate is permitted to enter after the gate-closing time printed there.
- Occupy the seat allotted to you.
- Sign the attendance sheet.
- Log in using the password given in your admit letter. Do not disclose it.
- No candidate may leave the venue in the first 60 minutes from the scheduled start.
- Visit the website the day before your exam for any updates on exam, centre or venue.
Calculator
A battery-operated portable calculator is allowed, of any type up to 8 functions — addition, subtraction, multiplication, division, percentage, square root, tax+ and tax− — and 12 digits. Scientific calculators are not allowed. Attempting to use a calculator with more features than permitted amounts to use of unfair means. Buy a compliant one early and practise AFM on it.
Mobile phones and prohibited items
Mobile phones and other electronic or smart gadgets are not allowed in the examination hall. Mere possession — even switched off or on silent — is deemed to be adoption of unfair means. Books, notes, periodicals, mathematical tables, slide rules and stencils are also prohibited. All rough-work paper must be returned to the invigilator before leaving.
If the exam is delayed
Where a power failure or technical snag delays commencement, candidates must wait for resumption, take up the examination at any alternative venue arranged by the conducting authority, and follow the instructions given.
Post-exam review
IIBF reviews audit-trail reports using scientific methods and examines CCTV footage after the examination. Candidates found adopting unfair means are booked and action is initiated per Institute policy — and reported to the employer bank.
Scribe facility and compensatory time
Candidates who are visually impaired or have low vision, are affected by cerebral palsy with loco-motor impairment affecting writing speed, or are physically handicapped and unable to operate a keyboard and mouse, may use a scribe at their own cost. Compensatory time and scribe facility are available only to these categories.
- Compensatory time: 20 minutes for every hour of the examination.
- Only candidates registered in advance for compensatory time receive it — the allowance is system-based and cannot be granted on the day.
- Apply online via Apply Now > Apply for scribe, not later than 3 days before the examination, and well in advance of that where possible. Apply separately for each attempt and subject where a scribe is needed.
- Upload an attested copy of the disability certificate from the competent government authority along with the declaration form.
- The candidate arranges their own scribe at their own cost.
- The scribe must not be a banker, ex-banker, or working in the BFSI sector, must not be an ordinary member of the Institute, and must not have passed any IIBF course.
- The scribe must not be professionally qualified in the subject, and their qualification must be at least one step below the candidate's.
- The scribe must not have appeared, be appearing, or have passed the same exam, and can act for only one candidate per subject per day.
- Both candidate and scribe give an undertaking in the prescribed format with the scribe's passport-size photograph.
- Carry the printed permission, original declaration, attested disability certificate, admit letter and ID proofs for both. Reach the venue 15 minutes before reporting time — late reporting is not permitted under any circumstances.
- The scribe must not answer questions independently. Doing so terminates the session, cancels the result and triggers action against both parties.
- Using a scribe solely to obtain extra time is not permitted.
The online route is the only valid procedure. Applications submitted through other modes are not entertained.
Study material
IIBF has developed courseware covering the syllabus, published by Macmillan Education India and available in both English and Hindi. Flipbook versions of the JAIIB and CAIIB study books are also available.
| Paper | English title | Hindi title |
|---|---|---|
| Paper 1 | Indian Economy and Indian Financial System | भारतीय अर्थव्यवस्था और भारतीय वित्तीय प्रणाली |
| Paper 2 | Principles and Practices of Banking | बैंकिंग के सिद्धांत और व्यवहार |
| Paper 3 | Accounting & Financial Management for Bankers | बैंकरों के लिए लेखांकन और वित्तीय प्रबंधन |
| Paper 4 | Retail Banking & Wealth Management | खुदरा बैंकिंग और धन प्रबंधन |
IIBF's own advice: don't stop at the courseware
Because banking rules change quickly, IIBF states the courseware should not be treated as the only source. It specifically directs candidates to RBI Master Circulars and Master Directions, the Institute's publications IIBF Vision and Bank Quest, and the websites of RBI, SEBI, BIS, IRDAI and FEDAI.
Read practically: the courseware gets you the concepts; the Master Directions get you the current-developments marks that separate a pass from a first class.
IIBF also facilitates e-learning for all JAIIB papers, with credentials emailed to registered candidates, and organises tutorial and contact programmes at various centres, including online contact classes.
Results and certificate
- Result advice is hosted on the IIBF website on declaration and downloaded from your profile.
- A consolidated mark sheet is available for candidates completing an examination with more than one subject, using membership number and edit-profile password.
- A digitally signed certificate is emailed to your registered address within three weeks of the result declaration.
- IIBF does not share MCQs or answers — the question bank is the Institute's intellectual property and no correspondence is entertained. There is no answer-key challenge window.
- Disputes fall only within the jurisdiction of competent courts in Chennai, Kolkata, New Delhi and Mumbai.
🎓 Arthzo LMS · JAIIB Course
Prepare for JAIIB in one place — a course built by a banker
- IE & IFS and PPB: notes, thousands of MCQs, case studies and numericals — ₹500 per paper (6 months)
- AFM and RBWM: free — just sign up
- Free preview in every course — look inside before you buy
Frequently asked questions
Is there negative marking in JAIIB?
No. IIBF's Rules & Syllabus 2026 states there will be no negative marking for wrong answers. Attempt every question.
When does the next JAIIB registration open?
Registration for the November 2026 cycle is closed and the exams are on 1, 22, 28 and 29 November 2026. The next cycle is expected in May/June 2027 — check IIBF’s official notice for registration dates.
How many marks are needed to pass?
50 out of 100 in each subject, or at least 45 in each subject with a 50% aggregate across all subjects in a single attempt.
How many attempts do I get?
Five attempts within a maximum of three years, whichever is earlier, from the date of first registration. An attempt counts when you apply, even if you do not appear.
Do I lose passed subjects if I run out of attempts?
Yes. On re-enrolment after exhausting the time limit or attempts, you are not granted credit for subjects passed earlier.
Can I change my exam centre after applying?
No. There is no provision to change the centre in the system after a successful application, and no request will be entertained for any reason.
Can I write JAIIB in Hindi?
Yes. Choose Hindi or English at registration. The medium cannot be changed later. Official courseware is published in both languages.
Can I use a scientific calculator?
No. Only a battery-operated portable calculator up to 8 functions and 12 digits is permitted. Anything more is treated as unfair means.
What is the photograph size for JAIIB registration?
100 × 120 pixels, jpg 8-bit, between 8 KB and 50 KB, on a plain white or off-white background with both ears visible and no cap, mask or tinted glasses.
How much increment does JAIIB give?
The settlement framework provides an advance increment for eligible cadres, with Graduation Pay or Professional Qualification Pay released where increments are not available in the scale. The exact amount depends on your cadre, stage in scale and your bank's circular — check that circular rather than a generic figure.
Which paper should I attempt first?
Working bankers usually find PPB most intuitive because it maps onto daily branch work. AFM needs the longest runway due to its numerical load. IE&IFS and RBWM reward keeping up with current developments.
Related reading
- Arthzo LMS: JAIIB notes, MCQs and case studies
- CAIIB exam guide — the next step after JAIIB
- JAIIB syllabus and exam pattern 2026 — detailed breakdown
- CAIIB syllabus and exam pattern
- Bank DA from August 2026 — revised rates
- Bank employee salary calculator (12th BPS)
- यह गाइड हिन्दी में पढ़ें
Verify each slug against live permalinks before publishing.