Jaiib Exam

JAIIB HIGHLIGHTS

Junior Associate of the Indian Institute of Bankers Exam or JAIIB, as commonly called, is conducted by the Indian Institute of Banking & Finance (IIBF) which is a registered company for imparting education in banking and finance. IIBF was established in 1928 as the Indian Institute of Bankers on the model of the London Institute of Banking and Finance to train bankers and finance professionals and has a membership of over 700 banks and financial institutions. 

Name of the post Junior Associate of the Indian Institute of Bankers (JAIIB)
Exam conducted by Indian Institute of Banking & Finance (IIBF)
Apply Mode Online
Starting date of the JAIIB 2020 applications To be updated soon
End date of the applications To be updated soon
JAIIB Exam Dates May 03-17th, 2020 & Nov 1-22nd, 2020
Official website www.iibf.org.in

JAIIB Exam

JAIIB exam is conducted twice in a year as a career progression exam and only those who are already working in the banking and finance industry can appear in this exam. The purpose of JAIIB is to facilitate knowledge enhancement in banking and financial services, banking technology, customer relations, basic accountancy and legal aspects that are necessary for carrying out day to day banking operations. 

JAIIB 2020 Eligibility

The JAIIB exam plays a very vital role in an individual's progress in the banking sector. After clearing this exam he/she is entitled to receive an increment in the salary. So it is very important that a candidate knows the eligibility criteria which is as follows

  • JAIIB Exam is conducted for any person working in the banking and finance sector including both private and nationalized banks and even the Reserve Bank of India, Central and State Co-operative Banks and any Financial Institutions in India who are Institutional Members of the Institute. 
  • The candidates applying are categorized under Ordinary Members and have to pay a fee of Rs 1770 one time for Life Membership. 
  • This Membership makes them eligible to appear for various examinations (after paying exam fee), attend seminars/ workshops that are conducted by the institute, avail e-learning, get awards & fellowship, monthly IIBF newsletter etc.
  • Besides this, a candidate must have passed the 12th standard examination in any discipline. Some relaxation is given to clerical staff as mentioned in the table below
JAIIB Exam Eligibility
For working professional Should have passed 12th standard in any stream and should have Ordinary Membership of IIBF
Subordinate Staff of Financial Institute and Banks 12th passed in any stream along with Ordinary Membership of IIBF
Clerical or Supervisory Staff Cadre of Banks Must be working and should have Ordinary Membership of IIBF, recommendation of the Manager of the bank/ officer-in-charge of the bank is required if the candidate has not pass 12th standard pass or its equivalent. 

JAIIB 2020 Exam Pattern

The JAIIB exam contains 120 objective type multiple choice questions of 100 marks including questions on case studies/ case lets. The JAIIB exam is conducted in selected cities all over India and in a few overseas cities as well. The exam will be in online mode with no negative marking for wrong answers. Though the number of questions is fixed, the Institute may vary the number of questions that will be asked in a subject. The time limit is two hours. The MCQs and their answers will not be shared with the candidates as they are part of the question bank of the Institute and its Intellectual Property. Battery operated portable calculator can be used by the candidate during the JAIIB exam.

JAIIB Syllabus

The JAIIB exam is a multiple choice single exam consists of three papers/ subjects which are mentioned below-

  • Paper 1 - Principles & Practices of Banking 
  • Paper 2 - Accounting & Finance for Bankers 
  • Paper 3 - Legal & Regulatory Aspects of Banking 

Since the exam is of professional nature, the questions can be asked on all the matters under the subject. Candidates can also be asked questions on the latest developments taking place under the various subjects of the examination. Candidates should read “IIBF VISION” and “BANK QUEST” published by the Institute. There is no exemption in any of the papers for prior qualifications. Each subject exam will be held on different dates. The details for each subject is mentioned below

Paper 1: Banking Principles and Practices

Paper 1 of JAIIB consists of questions from Banking Principles and Practices. The paper is further divided into five modules which are named as 

  • 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. 

Each module is subdivided into further categories as per the details given below.

MODULE A – INDIAN FINANCIAL SYSTEM

TopicDetails
Indian Financial System – An Overview Role of RBI, Commercial Banks, NBFCs, PDs, FIs, Cooperative Banks, CRR, SLR; Equity & Debt Market; IRDA
Banking Regulation Constitution, Objectives, Functions of RBI; Tools of Monetary Control; Regulatory Restrictions on Lending
Retail Banking, Wholesale and International Banking Retail 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 Market Types of Money & Debt Market Instruments including G-Secs; ADs, FEMA, LIBOR, MIBOR, etc.
Role and Functions of Capital Markets, SEBI Overview 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 items Types & advantages of Factoring & forfaiting services; Types of off-balance sheet items
Risk Management, Basel Accords Introduction to Risk Management; Basel I, II & III Accords CIBIL, Fair Practices Code for Debt Collection, BCSB Role and Functions of CIBIL; Fair Practices Code for Debt Collection; Codes of BCSBI
Recent Developments in the Financial System Structure, Reforms in the Indian Financial System; recent developments in Money, Debt, Forex Markets; Regulatory Framework; Payments and Settlement System

  MODULE B – FUNCTIONS OF BANKS

TopicDetails
Banker Customer Relationship Types; Different Deposit Products & Services; Services to Customers & Investors
KYC/ AML/ CFT norms PMLA Act; KYC Norms
Bankers’ Special Relationship Mandate; POA; Garnishee Orders; Banker’s Lien; Right of Set off
Consumer Protection - COPRA, Banking Ombudsman Scheme Operational Aspects of COPRA Act & Banking Ombudsman Scheme
Payment and Collection of Cheques and Other Negotiable Instruments NI 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 customers Operational Aspects of opening and Maintaining Accounts of Different Types of Customers including Aadhaar, SB Rate Deregulation
Ancillary Services Remittances; Safe Deposit Lockers; Govt. Business; EBT
Cash Operations Cash Management Services and its Importance
Principles of Lending, Working Capital Assessment and Credit Monitoring Cardinal 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 Advances Targets; Sub-Targets; Recent Developments
Agricultural Finance Types of Agricultural Loans; Risk Mitigation in agriculture (NAIS, MSP etc.)
Latest Developments Government Sponsored Schemes SGSY; SJSRY; PMRY; SLRS
Credit Cards, Home Loans, Personal Loans, Consumer Loans Operational Aspects, Advantages, Disadvantages & Guidelines of Credit Cards; Procedure and Practices for Home Loans, Personal Loans and Consumer Loans
Self Help Groups Need for & Functions of SHGs; Role of NGOs in Indirect Finance to SHGs; SHGs & SGSY Scheme; Capacity Building
Documentation Types of Documents; Procedure; Stamping; Securitisation
Different Modes of Charging Securities Assignment; Lien; Set-off; Hypothecation; Pledge; Mortgage
Types of collaterals and their characteristics Land & Buildings; Goods; Documents of Title to Goods; Advances against Insurance Policies, Shares, Book Debts, Term Deposits, Gold, etc.; Supply Bills
Non-Performing Assets Definition; Income Recognition; Asset Classification; Provisioning Norms; CDR Financial Inclusion BC; BF; Role of ICT in Financial Inclusion, Mobile based transactions, RSETI
Financial Literacy Importance of financial literacy, customer awareness

  MODULE C – BANKING TECHNOLOGY

TopicDetails
Essentials of Bank Computerization Computer Systems, LANs, WANs, UPS, Core Banking
Payment Systems ATMs, HWAK, PIN, Electromagnetic Cards
And Electronic Banking Electronic Banking Signature Storage & Retrieval System, CTS, Note & Coin Counting, Machines Microfiche, NPC, RUPAY
Data Communication Network and EFT systems Components & 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 Banks Trends in Technology Developments, Role & Uses of Technology, Upgradation, Global Trends, Impact of IT on Banks
Security Considerations Risk Concern Areas, Types of Threats, Control Mechanism, Computer Audit, IS Security, IS Audit, Evaluation Requirements
Overview of IT Act Gopalakrishna Committee, Recommendations
Preventive Vigilance
in Electronic Banking
Phishing, Customer Education, Safety Checks, Precautions

MODULE D – SUPPORT SERVICES - MARKETING OF BANKING SERVICES/ PRODUCTS

TopicDetails
Marketing – An Introduction Concept, Management, Products & Services, Marketing Mix, Brand Image
Social Marketing / Evolution, Importance & Relevance of Social
Networking Marketing/Networking,
Consumer Behaviour and Product Consumer Behaviour, Product Planning, Development Strategies etc, CRM
Pricing Importance, Objectives, Factors, Methods, Strategies of Pricing, Bank Pricing
Distribution Distribution Channels, Channels for Banking Services, Net Banking, Mobile Banking
Channel Management Meaning, Levels, Dynamics, Advantages
Promotion Role of Promotion in Marketing, Promotion Mix
Role Of Direct Selling Agent / Direct Marketing Agent in a bank Definition, Relevance, Banker as DSA/DMA, Delivery Channels in Banks, Benefits
Marketing Information Systems – a longitudinal analysis Functions & Components of MKIS, MKIS Model, Use of Computers & Decision Models, Performance of MKIS, Advantages

 

MODULE E – ETHICS IN BANKS AND FINANCIAL INSTITUTIONS

TopicDetails
Ethics, Business Ethics & Banking: An Integrated Perspective Business Ethics, Ethical Foundation and Banking Ethics in Global and Indian Contexts
Ethics at the Individual Level Values, Norms, Beliefs, Morality, Conflict, Integrity, Golden Rule, Dilemmas, Decision-Making.
Ethical Dimensions: Employees Obligation 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 Lers
Work Ethics and the Workplace Work Ethics, Benefits of Ethical Behavior, Unethical Behavior: Causes and Remedies, Code of Ethics Manual, Whistleblowing in Banks, Whistleblowing Laws in India
Banking Ethics: Changing Dynamics Ethics and Technology, Data Security and Privacy, Intellectual Property Rights, Patents and Proprietary Rights, Ethics of Information Security, Cyber Threats, Digital Rights Management

Paper 2: Finance and Accounting 

Questions in Paper 2 pertain from Finance and Accounting. This paper is divided into four modules which are mentioned below

  • Module A – Business Mathematics And Finance
  • Module B – Principles Of Bookkeeping & Accountancy
  • Module C – Final Accounts
  • Module D – Banking Operations

These are further divided as per the details mentioned below. A candidate should go through these details carefully so that he/she does not miss any information.

PAPER 2 – ACCOUNTING & FINANCE FOR BANKERS MODULE A – BUSINESS MATHEMATICS AND FINANCE

TopicDetails
Calculation of Interest and Annuities Calculation of Simple Interest &
Compound Interest, Calculation of Equated Monthly
Instalments, Fixed and Floating Interest Rates, Calculation of Annuities, Interest Calculation using
Products/Balances, Amortisation of a Debt, Sinking Funds
Calculation of YTM Debt- 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 Budgeting Present 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 Accounting Depreciation, its types
and methods, Comparing Depreciation
Methods
Foreign Exchange Arithmetic Fundamentals 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

MODULE B – PRINCIPLES OF BOOKKEEPING & ACCOUNTANCY

TopicDetails
Definition, Scope and
Accounting Standards
Nature 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 Procedures Concepts of Accountancy, Entity Going Concern, Entity, Double Entry System, Principle of Conservatism, Revenue Recognition
and Realisation, Accrual and Cash Basis.
Maintenance of Cash/ Subsidiary Books
And Ledger
Record Keeping Basics, Account Categories, Debit and Credit Concepts, Accounting and Columnar Accounting
Mechanics, Journals, Ledgers, subsidiary books,
Bank Reconciliation Statement Need 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, Adjusting the Cash Book Balance, Advantages of Bank Reconciliation Statement.
Trial Balance, Rectification of Errors and Adjusting & Closing Entries Meaning 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, Adjusting and Closing Entries,
Capital and Revenue Expenditure Expenditure, Distinction between Capital and
Revenue Expenditure, Deferred Revenue Expenditure, Receipts, General Illustrations.
Bills of Exchange Types of Instruments of Credit, Term and Due Date of a Bill, Certain Important Terms, Accounting Entries to be Passed, Accommodation Bill etc

MODULE C – FINAL ACCOUNTS

TopicDetails
Balance Sheet Equation Preparation of Final Accounts Balance Sheet Equation, Computation of Balance
Sheet Equation, Preparation of Trading A/C, Profit and Loss A/C, Profit & Loss Appropriation
Account, Balance Sheets
Ratio Analysis Meaning 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 Companies Definition 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 & II Definition 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

MODULE D – BANKING OPERATIONS

TopicDetails
Banking Operations &
Accounting Functions
Preparation 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 drawals and accounting
entries involved at various stages, operational aspects of
CBS environment etc., Back office operations in banks, handling of reconciled entries in banks

Paper 3: Legal and Regulatory aspects

Since banking is a public dealing job and they are responsible for the country's economic growth so they need to be regulated from time to time. So it becomes necessary for the candidate to be aware of its Legal and Regulatory aspects. The third paper deals with it and is divided into four modules, given as follows:

  • 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

Given below is the detailed syllabus for paper 3

PAPER 3 – LEGAL & REGULATORY ASPECTS OF BANKING MODULE A – REGULATIONS AND COMPLIANCE

TopicDetails
Legal Framework of Regulation
of Banks
Business 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 Banks
Licensing 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 Business Power 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 & Acquisitions
Annual 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
Cooperative Banks
SBI 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 Reforms Need, Approach for Financial Sector Legislative Reforms; Important Reforms
Recent Legislative Changes
in RBI Act
Recent Legislative Changes in RBI Act, Need thereof
Financial Sector Development
Council
Role and Functions of Financial Sector Development Council

MODULE B – LEGAL ASPECTS OF BANKING OPERATIONS

TopicDetails
Different Types of Borrowers Types of Borrowers; Limited Liability Partnership
Types of Credit Facilities Cash Credit, Overdraft, Demand Loans, Term Loans, Bill Finance
Secured and Unsecured
Loans, Registration of Firms
and Incorporation of Companies
Definition of Secured and Unsecured loans; Need for Secured Loans; Registration of Firms; Consequences of Non-registration of Firms; Incorporation of a Company
Indemnities Definition 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 Guarantees Definition 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 Credit General 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 Guarantees Purpose of DPGs; Methods of Payment
Laws Relating to Bill Finance Class of Bills and Laws Governing Bills; Classification of Bills; Categories of Bill Finance; Bill Finance and Legal Position of Banker
Various Types of Securities Types of Securities; Escrow Arrangements; Trust and Retention Arrangements
Laws Relating to Securities
and Modes of Charging – I
Mortgage; Types of Mortgage; Enforcement of Mortgages
Laws Relating to Securities
and Modes of Charging – II
Lien; Pledge; Hypothecation; etc
Registration and Satisfaction
of Charges
Definition 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 Bank
Negotiable 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 Bank
Statutory protection to Collecting Bank; Duties of Collecting Bank

MODULE C – BANKING RELATED LAWS

TopicDetails
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
Securitization 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 Scheme Purpose; Extent; Definitions; Establishment; Powers; Procedure for Redressal Grievance
Bankers Books Evidence
Act, 1891
Applicability; Definition; Important Provisions
The Legal Services AuthoritiesAct, 1987 Lok Adalats- Organization; Jurisdiction; Disposal of Cases; Awards
The Consumer Protection Act,
1986 and CERSAI
Preamble, 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 Limitation Definition; Computation of Limitation; Important Provisions in schedule to the Limitation Act
Tax Laws Income Tax; Commodity Transaction Tax; Service Tax
Negotiable Instruments
Act, 1881
Applicability; Definition; Important Provisions
Payment & Settlements
Systems Act, 2007
Applicability; Definition; Important Provisions

MODULE D – COMMERCIAL LAWS WITH REFERENCE TO BANKING OPERATIONS

TopicDetails
Indian Contract Act, 1872 Meaning 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, 1930 Features; Sale & Agreement to Sell; Conditions and Warranties; Express & Implied; Rights of Unpaid Seller
Indian Partnership Act, 1932 Definition & 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
company
Definition & Features of a Company; Distinction between Company and Partnership
The Companies Act, 1956 Definition, Features & Types of companies; Memorandum and Articles of Association; Doctrine of Ultra Vires, Constructive Notice, Indoor Management; Membership of CompanyAcquisition, Cessation, Register, Rights & Duties of Members, Prospectus; Directors; Winding up of Companies
Foreign Exchange Management
Act, 1999
Important Terms; Powers of RBI, Regulation and Management; Directorate of Enforcement
Transfer of Property Act, 1882 Sale, Mortgage of Immovable Property; Types of Mortgages; Sale with and without court intervention; Lease of Immovable Property
The Right to Information Act, 2005 Applicability; Definition; Important Provisions
Right To Information and Obligation
of Public Authorities
Obligations; Procedure; Disposal; Appeal; Orders; Penalties.
The Prevention of Money
Laundering Act, 2002
Obligations; Records to be Maintained; Procedure for Maintaining & Furnishing Information; Maintenance & Verifications of Records of Identity of Clients
Information Technology
Act, 2000
Definitions; Electronic Governance; Certifying Authorities; Digital Signature Certificates; Penalties; Appeal.

JAIIB Exam Fee

All the candidates have to pay an equal amount as an application fee irrespective of the category to which he/she belongs. However, the application fee will vary according to the attempt. A candidate is given four attempts to qualify the exam. Candidates need to register for every attempt separately. A candidate should pay the application fee within the prescribed time limit as after the closure of the application fee date a candidate has to pay a late fee of Rs.200 in addition to the regular examination fee. Any other transaction charge or GST will be borne by the candidate. Fee once paid will not be refunded.

SR. NO.

NAME OF THE EXAM

ATTEMPTS

FOR MEMBERS(RS)

1

JAIIB

First attempt fee

2,400*

Second attempt fee

1,000*

Third attempt fee

1,000*

Fourth attempt fee

1,000*

JAIIB Exam Centre

JAIIB Online Examination will be conducted on pre-announced dates as published on IIBF official Website. The examination is conducted on a half yearly basis, however, the periodicity of the examination may change depending upon the requirement of the banking and financial industry. The list of exam centres will be available on the IIBF website and only those centres will conduct online exams where the strength of the candidate giving the exam is more than 20. In case the strength is less he/she will be allotted the nearest exam centre. Overseas city like Dubai is also the JAIIB examination centre. The list of JAIIB Exam centres is given below:

CENTRE NO.NAME OF THE CENTRE
ANDHRA PRADESH

ADILABAD

ADONI

ANANTAPUR

CHITTOOR

CUDDAPAH

ELURU

GUNTUR

HINDUPUR

HYDERABAD

KAKINADA

KARIMNAGAR

KHAMMAM

KURNOOL

MAHABOOBNAGAR

NALGONDA

NELLORE

NIZAMABAD

ONGOLE

PALAKOL

RAJAHMUNDRY

SECUNDERABAD

SRIKAKULAM

TIRUPATI

VIJAYAWADA

VISAKHAPATNAM

VIZIANAGARAM

WARANGAL

ASSAM

DHUBRI

DIBRUGARH

GAUHATI

JORHAT

KOKRAJHAR

NORTH LAKHIMPUR

NOWGONG

SILCHAR

TEZPUR

TINSUKIA

BONGAIGAON

BIHAR

ARRAH

BEGUSARAI

BHAGALPUR

DARBHANGA

MUZAFFARPUR

PATNA

PURNEA

SAHARSA

SAMASTIPUR

SASARAM

MOTIHARI

JHARKHAND

BOKAROSTEEL CITY

DALTONGANJ

DHANBAD

HAZARIBAGH

JAMSHEDPUR

RANCHI

DEOGHAR

SAHIBGANJ

GUJARAT

AHMEDABAD

BARODA

BHAVNAGAR

BHUJ

JAMNAGAR

JUNAGADH

PORBANDAR

RAJKOT

SURAT

VAPI

HARYANA

AMBALA CANTT

FARIDABAD

GURGAON

HISSAR

KARNAL

ROHTAK

YAMUNANAGAR

HIMACHAL PRADESH

HAMIRPUR

MANDI

PALAMPUR

SIMLA

JAMMU & KASHMIR

ANANTNAG

BARAMULLA

DODA

JAMMU

KATHUA

LEH

POONCH

RAJOURI

SRINAGAR

UDHAMPUR

KARNATAKA

BAGALKOT

BANGALORE

BELGAUM

BELLARY

BIDAR

BIJAPUR

DAVANGERE

DHARWAR

GULBARGA

HASSAN

HUBLI

MADIKERI

MANGALORE

MYSORE

RAICHUR

SHIMOGA

KERALA

CALICUT

KANNUR

ERNAKULAM

KOTTAYAM

PALAKKAD

KOLLAM

THIRUVALLA

THRISSUR

THIRUVANANTHAPURAM

MADHYA PRADESH

BALAGHAT

BHOPAL

CHHATARPUR

CHHINDWARA

GUNA

GWALIOR

INDORE

JABALPUR

KHANDWA

KHARGONE

RATLAM

REWA

SAUGOR

SATNA

SHAHDOL

UJJAIN

CHHATTISGARH

AMBIKAPUR

BHILAI

BILASPUR

JAGDALPUR

RAIGARH

RAIPUR

MAHARASHTRA

AHMEDNAGAR

AKOLA

AMRAVATI

AURANGABAD

VASAI

MUMBAI

BULDHANA

CHANDRAPUR

DHULE

JALGAON

KALYAN

KOLHAPUR

LATUR

NAGPUR

NANDED

NASHIK

PARBHANI

PUNE

RATNAGIRI

SANGLI

SATARA

SOLAPUR

THANE

NAVI MUMBAI (VASHI)

MANIPUR

IMPHAL

MEGHALAYA

SHILLONG

TURA

MIZORAM

AIZAWL

NAGALAND

KOHIMA

MOKOK CHUNG

TUENSANG

ORISSA

BALASORE

BERHAMPUR GANJAM

BHAWANIPATNA

BHUBANESHWAR

CUTTACK

KORAPUT

ROURKELA

SAMBALPUR

PUNJAB

ABOHAR

AMRITSAR CITY

BHATINDA

FEROZEPUR

HOSHIARPUR

JULLUNDUR

LUDHIANA

MANSA

PATHANKOT

PATIALA

SANGRUR

RAJASTHAN

AJMER

ALWAR

BANSWARA

BHILWARA

BIKANER

GANGANAGAR

JAIPUR

JAISALMER

JODHPUR

KOTAH

SAWAI MADHOPUR

SIKAR

UDAIPUR

SIKKIM

GANGTOK

TAMILNADU

COIMBATORE

DHARMAPURI

ERODE

KARUR

CHENNAI

MADURAI

OOTACAMUND

SALEM

THANJAVUR

TIRUCHIRAPPALLI

TIRUNELVELI

TIRUPUR

VELLORE

TRIPURA

AGARTALA

UTTAR PRADESH

AGRA

ALIGARH

ALLAHABAD

AZAMGARH

BAREILLY

ETAH

ETAWAH

FAIZABAD

GHAZIABAD

GHAZIPUR

GONDA

GORAKHPUR

JAUNPUR

JHANSI

KANPUR

LUCKNOW

MEERUT CANTT

MORADABAD

MUZAFFARNAGAR

SAHARANPUR

SHAHJAHANPUR

VARANASI

UTTARANCHAL

DEHRADUN

HARDWAR

NAINITAL

WEST BENGAL

ASANSOL

BARRACKPORE

BURDWAN

KOLKATA

COOCHBEHAR

MALDA

MIDNAPORE

SERAMPORE

SILIGURI

ARUNACHAL PRADESH

ITANAGAR(NAHARLAGUN)

ANDAMAN & NIKOBAR ISLAND

PORT BLAIR

CHANDIGARH

CHANDIGARH

DELHI

NEW DELHI

GOA

MARGAO

PANAJI

LAKSHDWEEP

KAVARATTI

PONDICHERRY

PONDICHERRY

UAE

DUBAI

JAIIB Study Material

IIBF has mentioned the list of books that can be purchased online or offline. Besides this, the Institute has also published an e-book for the JAIIB /CAIIB exam which is available on its e-platform ‘bookden’. Candidates are advised to make full use of this platform. Since banking and finance fields are dynamic and new developments take place from time to time so this courseware should not be considered as the only source of information. Candidates should go through the IIBF updates and also visit websites of organizations like RBI, SEBI, BIS, IRDAI, FEDAI etc to keep themselves updated from recent happenings / development. Given below are the list of books.

S.NOBook NamePublished By

1

Principles & Practices of Banking

M/s Macmillan India Limited

2

Banking ke Sidhanth Avam Vyavahar

M/s Taxmann Publications Private Ltd.

3

Accounting & Finance for Bankers

M/s Macmillan India Limited

4

Bankeron ke liye Lekhankan Avam Vittya

M/s Taxmann Publications Private Ltd.

5

Legal and Regulatory Aspects of Banking

M/s Macmillan India Limited

6

Banking ke Vidhik Paksh

M/s Taxmann Publications Private Ltd.

JAIIB How To Apply

Since the exam is conducted online and online mode is the only way to fill the application form, given below are some basic steps which need to be followed.

  • A candidate needs to visit the official website of IIBF and first apply for membership.
  • They will be categorized as Ordinary Members. Fill the necessary information and upload the documents asked as per range mentioned.
  • If a candidate is already a member of IIBF, he/she just needs to click on "members" under 'Apply for exams online'. 
  • He/she needs to select the examination applying for and login with the membership number/id and password.
  • Fill all the details asked like centre of exam, working place etc.
  • While registering for the examination a candidate will be asked to choose venue and examination time slot for each subject. 
  • Utmost care and precaution should be taken while selecting the centre, venue and time slot, as there is no provision of change. 
  • Preview the application form before final submission because no correction can be done later.
  • After successful registration of examination, admit letter will be generated which can be saved, downloaded and printed.
  • Admit cards will also be emailed to the candidates in their registered id and will be available in the official website also
  • Candidates are required to produce admit card print along with Membership identity card or any other valid photo ID card in original

JAIIB Passing Criteria

The Minimum marks to pass in each subject is 50 out of 100 and those who secure at least 45 marks in each subject with an overall aggregate of 50% marks in the exam in a single attempt will also be declared as pass. Candidates re-enrolling for the exam after exhausting all permissible attempts will not be considered for awarding class. A candidate will be awarded as first class and first class with Distinction as per details given below

  • 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

JAIIB Exam Language

Candidates can attempt the exam either in Hindi or English and this should be clearly filled in the choice of medium at the time of registration of application form. Change of medium will not be allowed at a later stage.

 JAIIB Attempts

Candidate first physical attempt will be considered as his/her first attempt for awarding class. Candidates need to pass the exam within a time limit of 2 years which means 4 consecutive attempts. Those who are not able to pass the examination within the stipulated time period have to re-enroll themselves afresh and they will not be granted credits for subjects passed earlier. This time limit starts from the date of application of the first attempt. Even if a candidate does not appear for the exam, that attempt will be counted.

JAIIB 2020 Exam Dates

 The JAIIB exam consists of three different papers (subjects) and the exam is conducted twice in a year. Each paper is conducted on different dates. The examination dates are mentioned in the official website and time will be mentioned in the admit card. Given below are the exam dates for each subject of JAIIB exam that will be conducted two times one from 3rd to 17th May and the other from 1st to 22nd November. More information can be obtained from the table below.

EXAMINATION DATETIMESUBJECTS

03rd May 2020

ONLINE - Will be given in the admit Letter

Principles & Practices of Banking

10th May 2020

ONLINE - Will be given in the admit Letter

Accounting & Finance for Bankers

17th May 2020

ONLINE - Will be given in the admit Letter

Legal & Regulatory Aspects of Banking

 

EXAMINATION DATE

TIME

SUBJECTS

01st November 2020

ONLINE - Will be given in the admit Letter

Principles & Practices of Banking

08th November 2020

ONLINE - Will be given in the admit Letter

Accounting & Finance for Bankers

22nd November 2020

ONLINE - Will be given in the admit Letter

Legal & Regulatory Aspects of Banking