IIBF JAIIB 2026 Curriculum
JAIIB Syllabus 2026: Complete Paper and Module-Wise Syllabus
Explore the complete syllabus for all four compulsory papers—IE & IFS, PPB, AFM and RBWM—with every module and chapter organised for systematic preparation.
Each paper has four modules covering banking practices, accounting, finance, technology, lending, retail banking, wealth management and the Indian financial system.
Last reviewed: 11 September 2026
JAIIB Syllabus 2026: Overview
| Paper | Subject | Modules |
|---|---|---|
| Paper 1 | Indian Economy & Indian Financial System | 4 |
| Paper 2 | Principles & Practices of Banking | 4 |
| Paper 3 | Accounting & Financial Management for Bankers | 4 |
| Paper 4 | Retail Banking & Wealth Management | 4 |
All four papers are compulsory. Candidates must complete the examination within the attempt and time limits prescribed by IIBF.
JAIIB Paper 1 Syllabus: Indian Economy & Indian Financial System
| Module | Ch. No. | Chapter Name |
|---|---|---|
| Module A: Indian Economic Architecture | 1 | An Overview of the Indian Economy |
| 2 | Sectors of the Indian Economy | |
| 3 | Economic Planning in India & NITI Aayog | |
| 4 | Role of Priority Sector and MSME in the Indian Economy | |
| 5 | Infrastructure including Social Infrastructure | |
| 6 | Globalisation - Impact on India | |
| 7 | Economic Reforms | |
| 8 | Foreign Trade Policy, Foreign Investments and Economic Development | |
| 9 | International Economic Organizations (World Bank, IMF, etc.) | |
| 10 | Climate Change and Sustainable Development Goals (SDGs) | |
| 11 | Issues Facing Indian Economy | |
| Module B: Economic Concepts Related to Banking | 12 | Fundamentals of Economics. Microeconomics. and Macroeconomics and Types of Economies |
| 13 | Supply and Demand | |
| 14 | Money Supply and Inflation | |
| 15 | Theories of Interest | |
| 16 | Business Cycles | |
| 17 | Monetary Policy and Fiscal Policy | |
| 18 | System of National Accounts and GDP Concepts | |
| 19 | Union Budget | |
| Module C: Indian Financial Architecture | 20 | Indian Financial System: An Overview |
| 21 | Indian Banking Structure | |
| 22 | Banking Laws: Reserve Bank of India Act, 1934 & Banking Regulation Act, 1949 | |
| 23 | Development Financial institutions | |
| 24 | Microfinance Institutions | |
| 25 | Non-Banking Financial Companies (NBFCs) | |
| 26 | Insurance Companies | |
| 27 | Indian Financial System - Regulators and Their Roles | |
| 28 | Reforms and Developments in the Banking Sector | |
| Module D : Financial Products and Services | 29 | Financial Markets |
| 30 | Money Market | |
| 31 | Capital Markets and Stock Exchanges | |
| 32 | Fixed Income Market - Debt and Bond Markets | |
| 33 | Foreign Exchange Market | |
| 34 | Interconnectedness of Markets and Market Dynamics | |
| 35 | Merchant Banking Services | |
| 36 | Derivatives Market | |
| 37 | Factoring Forfaiting and Trade Receivables Discounting System (TReDS) | |
| 38 | Venture Capital | |
| 39 | Lease Finance and Hire Purchase | |
| 40 | Credit Rating and Credit Scoring | |
| 41 | Mutual Funds | |
| 42 | Insurance Products | |
| 43 | Pension Products | |
| 44 | Para Banking and Financial Services Provided by Banks | |
| 45 | Real Estate investment Trusts (REITs) and Infrastructure Investment Trust (lnvlTs) |
JAIIB Paper 2 Syllabus: Principles & Practices of Banking
Principles & Practices of Banking, commonly known as PPB, covers general banking operations, lending, digital banking, customer service, technology, recovery and ethics.
| Module | Ch. No. | Chapter Name |
|---|---|---|
| Module A : General Banking Operations | 1 | Banker-Customer Relationship |
| 2 | AML-KYC Guidelines | |
| 3 | Operational Aspects of KYC | |
| 4 | Opening Accounts of Various Types of Customers | |
| 5 | Operational Aspects of Deposit Accounts | |
| 6 | Operational Aspects of Handling Clearing/Collection/Cash | |
| 7 | Banker's Special Relationship | |
| 8 | Foreign Exchange Remittance Facilities for Individuals | |
| 9 | Operational Aspects of NRI Business | |
| 10 | Foreign Currency Accounts for Residents and Other Aspects | |
| 11 | Cash Management Services and its Importance | |
| 12 | Payment and Collection of Cheques and Other Negotiable Instruments | |
| 13 | Responsibility of Paying Bank | |
| 14 | Responsibility for Collecting | |
| 15 | Bank Ancillary Services | |
| 16 | Financial Inclusion & Financial Literacy | |
| 17 | Customer Service Guidelines | |
| 18 | Duties & Rights of a Banker and Customer Rights | |
| 19 | Grievance Redressal & RBI Integrated Ombudsman Scheme 2021 | |
| 20 | The Consumer Protection Act. 2019: Preamble, Extent and Definitions | |
| 21 | The Right to Information Act 2005 | |
| Module B : Functions of Banks | 22 | Principles of Lending, Different Types of Borrowers, and Types of Credit facilities |
| 23 | Appraisal and Assessment of Credit Facilities | |
| 24 | Operational Aspects of Loan Accounts | |
| 25 | Types of Collaterals and their Characteristics | |
| 26 | Different Modes of Charging Securities | |
| 27 | Documentation | |
| 28 | Non-Performing Assets/Stressed Assets | |
| 29 | Important Laws Relating to Recoveries of Dues | |
| 30 | Contracts of Indemnity | |
| 31 | Contract of Guarantee & Bank Guarantee Letters of Credit | |
| 32 | Letters of Credit | |
| 33 | Deferred Payment Guarantee | |
| 34 | Laws Relating to Bill Finance | |
| 35 | Personal Finance | |
| 36 | Priority Sector Advances | |
| 37 | Agricultrural Finance | |
| 38 | Finance to MFIs/Co-Lending Arrangements with NBFCs | |
| 39 | Micro Small and Medium Enterprises in India | |
| 40 | Government Sponsored Schemes | |
| 41 | Self-Help Groups | |
| Module C : Banking Technology | 42 | Essentials of Bank Computerisation |
| 43 | Operational Aspects of the CBS Environment | |
| 44 | Alternate Delivery Channels - Digital Banking | |
| 45 | Data Communication Network and EFT System | |
| 46 | Digital Payment Systems - NPCI | |
| 47 | Impact of Technology Adoption and Trends in Banking Technology | |
| 48 | Security Considerations and Mitigation Measures in Banks | |
| 49 | Operational Aspects of Cyber Crimes/Fraud Risk Management in Cyber Tech | |
| 50 | Technology Trends in Banking, e-RUPI, Fintech - RegTech, SupTech, Hashtag Banking etc. | |
| Module D : Ethics in Banks and Financial Systems | 51 | Ethics, Business Ethics & Banking: An Integrated Perspective |
| 52 | Ethics at the Individual Level | |
| 53 | Ethical Dimensional: Employees | |
| 54 | Work Ethics and the Workplace | |
| 55 | Banking Ethics: Challenging Dynamics |
JAIIB Paper 3 Syllabus: Accounting & Financial Management for Bankers
Accounting & Financial Management for Bankers, commonly called AFM, covers accountancy, financial statements, financial mathematics, financial management, taxation, cost accounting and budgeting.
| Module | Ch. No. | Chapter Name |
|---|---|---|
| Module A : Accounting Principles And Processes | 1 | Definition, Scope & Accounting Standards including Ind AS |
| 2 | Basic Accountancy Procedures | |
| 3 | Maintenance of Cash/Subsidiary Books and Ledger | |
| 4 | Bank Reconciliation Statement | |
| 5 | Trial Balance, Rectification of Errors and Adjusting & Closing Entries | |
| 6 | Depreciation and its Accounting | |
| 7 | Capital and Revenue Expenditure | |
| 8 | Bills of Exchange | |
| 9 | Operational Aspects of Accounting Entries | |
| 10 | Back Office Functions/Handling Unreconciled Entries in Banks | |
| 11 | Bank Audit & Inspection | |
| Module B : Financial Statements and Core Banking Systems | 12 | Balance Sheet Equation |
| 13 | Preparation of Final Accounts | |
| 14 | Company Accounts - I | |
| 15 | Company Accounts - II | |
| 16 | Cash Flow and Funds Flow | |
| 17 | Final Accounts of Banking Companies | |
| 18 | Core Banking Systems and Accounting in Computerised Environment | |
| Module C : Financial Management | 19 | Financial Management: An Overview |
| 20 | Ratio Analysis | |
| 21 | Financial Mathematics-Calculation of Interest and Annuities | |
| 22 | Financial Mathematics-Calculation of YTM | |
| 23 | Financial Mathematics-Forex Arithmetic | |
| 24 | Capital Structure and Cost of Capital | |
| 25 | Capital Investment Decisions/Term Loans | |
| 26 | Equipment Leasing/Lease Financing | |
| 27 | Working Capital Management | |
| 28 | Derivatives | |
| Module D : Taxation and Fundamentals of Costing | 29 | Taxation : Income Tax/Deferred Tax |
| 30 | Goods & Services Tax | |
| 31 | An Overview of Cost & Management Accounting | |
| 32 | Costing Methods | |
| 33 | Standard Costing | |
| 34 | Marginal Costing | |
| 35 | Budgets and Budgetary Control |
JAIIB Paper 4 Syllabus: Retail Banking & Wealth Management
Retail Banking & Wealth Management, commonly called RBWM, covers retail-banking operations, products, recovery, delivery channels, marketing and personal wealth management.
| Module | Ch. No. | Chapter Name |
|---|---|---|
| Module A: Retail Banking | 1 | Retail Banking: Introduction |
| 2 | Retail Banking: Role within the Bank Operations | |
| 3 | Applicability of Retail Banking Concepts Distinction between Retail and Corporate/Wholesale Banking | |
| 4 | Branch Profitability | |
| Module B : Retail Products and Recovery | 5 | Customer Requirements |
| 6 | Product Development Process | |
| 7 | Credit Scoring | |
| 8 | Important Retail Liability Products | |
| 9 | Important Retail Asset Products | |
| 10 | Credit and Debit Cards | |
| 11 | Remittance Products | |
| 12 | Digitisation of Retail Banking Products | |
| 13 | Role of AI and Technology in Retail Banking | |
| 14 | Recovery of Retail Loans | |
| 15 | Management Information Systems | |
| 16 | Securitization | |
| Module C : Support Services - Marketing of Banking Services/Products | 17 | Marketing: An Introduction |
| 18 | Delivery Channels in Retail Banking | |
| 19 | Delivery Models | |
| 20 | Customer Relationship Management in Retail Banking | |
| 21 | Service Standards for Retail Banking | |
| 22 | Marketing Information Systema - A Longitudinal Analysis | |
| Module D : Wealth Management | 23 | Importance of Wealth Management |
| 24 | Investment Management | |
| 25 | Tax Planning | |
| 26 | Other Financial Services Provided by Banks | |
| Module E : Additional Reading Material on Home Loans | 27 | Lender's Appraisal Procedure |
| 28 | Housing Finance and Tax Planning | |
| 29 | Mortgage Advice | |
| 30 | Valuation of Real Property |
JAIIB Exam Pattern 2026
| Particular | Details |
|---|---|
| Number of papers | Four |
| Question type | Objective-type multiple-choice questions |
| Questions per paper | Approximately 100 |
| Marks per paper | 100 |
| Duration | Two hours per paper |
| Examination mode | Online |
| Medium | English or Hindi |
| Negative marking | No |
IIBF may vary the number of questions asked in a paper.
Regulatory Cut-Off Date for JAIIB November 2026
IIBF may ask questions based on recent banking and financial developments even when those developments are not expressly listed in the syllabus.
Under IIBF’s general cut-off rule, examinations conducted from September to February consider regulatory instructions and important developments up to 30 June.
Accordingly, candidates preparing for JAIIB November 2026 should cover relevant banking and financial developments up to 30 June 2026.
Candidates should refer to:
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RBI Master Circulars and Master Directions
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IIBF Vision
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Bank Quest
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Important SEBI, IRDAI and PFRDA updates
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Relevant financial and banking publications
Which JAIIB Paper Is the Most Difficult?
The difficulty depends on a candidate’s educational background and work experience.
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IE & IFS is content-heavy and requires understanding of economic and financial-system concepts.
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PPB has a broad syllabus covering banking operations, lending, technology and ethics.
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AFM requires regular numerical practice and conceptual clarity in accounting and finance.
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RBWM is extensive and combines retail products, recovery, marketing and wealth management.
Many candidates find AFM challenging because it contains numerical problems. However, postponing any paper until the final stage can make the overall examination difficult.
How to Prepare the JAIIB Syllabus
A practical approach is:
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Download or review the latest official syllabus.
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Divide every paper into its four modules.
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Create weekly targets for completing chapters.
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Watch or read the concept lesson before attempting MCQs.
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Practise chapter-wise questions immediately after completing a topic.
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Maintain a separate formula book for AFM.
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Prepare short revision notes for factual and regulatory topics.
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Attempt module-wise tests after completing each module.
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Take full-length mock tests after finishing a paper.
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Analyse every incorrect answer and revise weak areas.
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Cover applicable regulatory updates.
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Complete at least two rounds of revision before the examination.
Prepare the Complete JAIIB Syllabus with MyOnlinePrep
MyOnlinePrep provides structured preparation for all four JAIIB papers through:
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Concept-based video lessons
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Complete paper- and module-wise coverage
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Chapter-wise MCQs with explanations
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Full-length mock tests
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Practice sets
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Simplified notes and eBooks
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AFM numerical questions
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Case-study-based questions
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Memory-based previous-year papers
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English and bilingual course options
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Performance analysis to identify weak areas
Frequently Asked Questions
How many subjects are there in JAIIB?
There are four compulsory subjects: IE & IFS, PPB, AFM and RBWM.
How many modules are there in each paper?
Each paper has four modules, making 16 modules across all four papers.
Has the JAIIB syllabus changed for 2026?
Follow the official JAIIB Rules & Syllabus 2026 published by IIBF. Do not rely on older material without verification.
What does Paper 1 cover?
IE & IFS covers Indian economic architecture, banking-related economic concepts, Indian financial architecture, and financial products and services.
What does PPB cover?
PPB covers general banking operations, functions of banks, banking technology, and ethics in banks and financial institutions.
What does AFM cover?
AFM covers accounting principles, financial statements, Core Banking Systems, financial management, taxation and costing.
What does RBWM cover?
RBWM covers retail banking, retail products and recovery, marketing of banking services, and wealth management.
Is there negative marking?
No. There is no negative marking for incorrect answers.
Are current banking developments included?
Yes. IIBF may ask questions based on recent regulatory and banking developments, including matters not specifically listed in the syllabus.
What is the regulatory cut-off date for November 2026?
Under IIBF’s general rule for examinations from September to February, relevant developments up to 30 June 2026 may be considered.
Where can I download the official syllabus?
Download the Rules & Syllabus 2026 from the official IIBF website.
Can I complete the syllabus through self-study?
Yes. Use a structured plan, updated material, regular MCQ practice, numerical practice for AFM and full-length mock tests.
Disclaimer: MyOnlinePrep is an independent examination-preparation platform and is not affiliated with IIBF. The Institute may revise the syllabus, rules or examination pattern. Verify the latest information through the official IIBF website.
