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The Indian Institute of Banking and Finance (IIBF) conducts certification exams for banking professionals for their career boost and help achieve their dream position in the banking sector. IIBF’s JAIIB Exam is one of them. It is conducted twice a year and only candidates working in banks at Clerical and Officer level can take this exam for their professional growth and salary increment within the sector. If you are planning to appear for JAIIB 2025 exam and looking for a guide to crack the exam, then this page is for you. Let’s take deep dive into what JAIIB exam is and all the information you need.
Important Update:
- The IIBF JAIIB Registration 2025 for May cycle has started on the official website www.iibf.org.in. Use the direct JAIIB Apply Online link shared below to register for exam. The portal is only active till 24th February 2025.
What is JAIIB Exam 2025?
JAIIB also known as Junior Associate of the Indian Institute of Bankers. It is a flagship course provided by IIBF that only individuals working in Banking and Financial sector can take. Its aim is to impart and enhance knowledge of the aspirants which in turn help in their career growth and better opportunities in the sector.
- Keeping in mind the size of the industry, IIBF conducts JAIIB exam twice a year.
- JAIIB Registration has opened from 4th to 24th February 2025 for May session and will start from 1st to 21st August 2025 for November session.
- Only IIBF members, can take JAIIB Exam.
- There are 4 Papers of 100 marks each. You can better understand the JAIIB eligibility, registration process, and exam pattern below.
JAIIB 2025 Exam- Overview
But before we go any further in details, lets take a quick overview of the JAIIB exam, eligibility, registration dates, exam pattern, number of attempts etc. Check the out details here.
Highlights of JAIIB 2025 Exam | |
Exam Conducting Body | Indian Institute of Banking and Finance (IIBF) |
Exam Name | Junior Associate of the Indian Institute of Bankers |
Frequency of the Exam | Twice a Year |
Registration Process | Online |
Registration Dates |
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JAIIB Exam Date 2025 |
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Exam Pattern | Paper 1: Indian Economy and Indian Financial System (IE & IFS) (100 Marks) Paper 2: Principles and Practices of Banking (PPB) (100 Marks) Paper 3: Accounting and Financial Management for Bankers (AFM) (100 Marks) Paper 4: Retail Banking and Wealth Management (RBWM) (100 Marks) |
No. of Attempts | 5 |
Official website | www.iibf.org.in |
JAIIB Registration Dates 2025
If you are seeking to enhance you salary package and position, then you must take this exam. Why? we will tell in the subsequent sections but before check the registration dates. The online registration for both sessions have been announced by IIBF. Candidates can check the dates here.
JAIIB Registration 2025 Dates (May cycle) | |
Registration Dates |
Application Fees
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04 to 10 February 2025 |
Normal Examination Fees
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11 to 17 February 2025 |
Normal Examination Fees + ₹100/-
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18 to 24 February 2025 |
Normal Examination Fees + ₹200/
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JAIIB Registration 2025 Dates (November cycle)
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Registration Dates |
Application Fees
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01 to 07th August 2025 |
Normal Examination Fees
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08 to 14th August 2025 |
Normal Examination Fees + ₹100/-
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15 to 21st August 2025 |
Normal Examination Fees + ₹200/-
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JAIIB Registration 2025 Link
The Indian Institute of Banking and Finance has activated the official link to apply online for JAIIB May cycle examination. After that candidates can submit their application anytime till 24th February 2025. The official link to start your registration is given below.
How to Register for JAIIB 2025 May cycle?
If you are looking forward to book your seat for the May cycle exam, then you can follow these steps for successful application submission.
Step 1: Open your browser and open the official website of Indian Institute of Banking and Finance (IIBF).
Step 2: Now, on the homepage, click on “Apply Now” button. There you can see various exams.
Step 3: Click on “Apply for JAIIB”.
Step 4: Enter all the necessary details and upload documents.
Step 5: At the end, pay the application fee and submit the application form.
Step 6: Make sure you have received fee receipt and official confirmation email/text from IIBF that your application have been received.
A unique registration ID will be provided to you which you can use for admit card download, result, and other purposes.
JAIIB 2025 Application Fee
The JAIIB Application fee payment is mandatory and without it your form will not be considered complete. You can pay the fee amount online through your Debit/Credit Card, Internet banking, UPI, or any other payment. Make sure you take a screenshot of the successful application fee payment to ensure for future reference.
Attempts | Examination Fee |
1st Attempt fee | Rs 4000/- |
2nd Attempt fee | Rs 1300/- |
3rd Attempt fee | Rs 1300/- |
4th Attempt Fee | Rs 1300/- |
5th Attempt Fee | Rs 1300/- |
Note: The application fee to be paid during 1st attempt is a bit higher as it includes membership fee plus registration fee.
JAIIB 2025 Eligibility
The eligibility criteria for JAIIB exam include qualification, Age limit, and number of attempts. We have discussed each requirement below.
Age Limit:
There is no age limit for candidates to apply. The exam is open to employees of all ages working in the banking sector.
Employment Requirement:
- The candidate must be a current employee working in the banking or finance sector and must be a member of the Indian Institute of Banking & Finance (IIBF).
Only bank employees can appear for the exam, as it’s specifically designed for them.
Educational Qualification:
- Candidates should have completed the 12th standard in any stream or its equivalent qualification. However, at the discretion of the Institute, candidates working in the clerical or supervisory staff cadre of banks may be permitted to sit for the exam, even if they haven’t passed the 12th standard, based on the recommendation of the bank’s Manager or officer-in-charge where the candidate is employed.
- Subordinate staff (staff in non-supervisory roles) can also apply, as long as they have passed the 12th standard or an equivalent.
Number of Attempts and Time Limit:
A candidate has a maximum of 5 attempts to clear the JAIIB exam.
There is also a 3-year time limit from the first time of registration to clear the exam. If a candidate fails to clear it in 5 attempts or 3 years, they must re-enroll and start the process again.
JAIIB 2025 Exam Date
The exam date for JAIIB 2025 has been released. As per the IIBF Official website, The JAIIB Exam date for May session is from 4th to 18th May 2025 and for November session it is from 2nd to 16th November 2025.
Subjects | Examination Date (May) |
Examination Date (November)
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Indian Economy & Indian Financial System | 04 May 2025 | 02 November 2025 |
Principles & Practices of Banking | 10 May 2025 | 08 November 2025 |
Accounting & Financial Management for Bankers | 11 May 2025 | 09 November 2025 |
Retail Banking & Wealth Management | 18 May 2024 | 16 November 2024 |
Now, let’s check who is eligible to apply for IIBF JAIIB Exam 2025.
JAIIB 2025 Exam Pattern
You must be wondering about the what the exam pattern is. Well, lets discuss that now. There are total 4 papers in the JAIIB exam (as mentioned in the table below). Each paper is worth 100 marks and format of question answers is Multiple Choice Based. The duration of each paper is 2 hours and to a great relief there is no negative marking. Must note that obtaining 50 out of 100 is necessary to qualify the paper.
Papers | Papers | No. of Questions | Total Marks | Duration |
Paper-I | Indian Economy & Financial System | 100 | 100 | 2 hours |
Paper-II | Accounting & Financial Management of Banking | 100 | 100 | 2 hours |
Paper-III | Principles & Practices of Banking | 100 | 100 | 2 hours |
Paper-IV | Retail Banking & Wealth Management | 100 | 100 | 2 hours |
Passing Criteria for JAIIB 2025 Exam: To qualify for the JAIIB 2024 exam, candidates must score at least 50 out of 100 in each subject. Alternatively, achieving 45 marks in each subject and a total of 50% across all subjects in one attempt also qualifies. Candidates can retain credits for passed subjects until the time limit for completion expires.
JAIIB 2025 Exam Syllabus
IIBF revised the JAIIB Syllabus last year and as we discussed above there are 4 papers in the exam which includes Indian Economy, Financial Sector, Principles of Banking, Accounting, etc.
Paper 1: Indian Economy and Indian Financial System (IE & IFS)
Paper 2: Principles and Practices of Banking (PPB)
Paper 3: Accounting and Financial Management for Bankers (AFM)
Paper 4: Retail Banking and Wealth Management (RBWM)
There fours papers have 4 separate modules and syllabus for JAIIB Exam revolves around these modules. The syllabus is designed in a way to enhance the knowledge base of the candidates which will help in understanding the industry more deeply.
Paper | Modules | Topics |
Paper I – Indian Economy & Indian Financial System | Module A |
Indian Economic Architecture
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Module B |
Economic Concepts Related to Banking
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Module C |
Indian Financial Architecture
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Module D |
Financial Products and Services
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Paper II – Principles & Practices of Banking | Module A |
General Banking Operations
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Module B |
Functions of Banks
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Module C |
Banking Technology
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Module D
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Ethics in Banks and Financial Institutions
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Paper III – Accounting & Financial Management for Bankers | Module A |
Accounting Principles and Processes
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Module B |
Financial Statements and Core Banking Systems
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Module C |
Financial Management
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Module D
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Taxation and Fundamentals of Costing
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Paper IV – Retail Banking & Wealth Management | Module A |
Introduction to Retail Banking
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Module B |
Retail Products and Recovery
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Module C |
Support Services – Marketing of Banking Services / Products
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Module D
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Wealth Management
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Preparation Tips For JAIIB 2025
Preparing for JAIIB exam requires a thorough understanding the of the Banking and Financial sector of India. There are 4 papers covering Indian Economy, Banking, Accounting, Wealth Management etc. Before starting preparing for these exams, it advised to check the detailed syllabus to save time and efforts. Make a list of all the topics that you think you lack knowledge. Understand the concepts and practice as many questions as you can. Remember that preparation is only successful when consistency and revisions are included in it.