How many questions are asked in each JAIIB paper?

Each JAIIB paper has 100 Multiple Choice Questions (MCQs) carrying 1 mark each. Total marks per paper: 100. Duration: 2 hours. There is no negative marking.

Which is the most difficult JAIIB paper?

AFM (Accounting & Financial Management for Bankers) is generally considered the most difficult as it requires numerical problem-solving. PPB has the most units (55 chapters) but is conceptual. IE&IFS and RBWM are considered relatively easier.

Which is the best JAIIB paper to start preparation with?

Most toppers recommend starting with PPB (Paper 2) as it covers core banking operations that you likely already encounter at work. Bankopedia has the most comprehensive PPB chapter notes and mock tests.

IIBF Official 2026All 4 PapersUpdated August 2026

JAIIB Syllabus 2026 — All 4 Papers

Q: How many papers are there in JAIIB 2026?

JAIIB 2026 has 4 papers: Paper 1 — Indian Economy & Indian Financial System (IE&IFS), Paper 2 — Principles & Practices of Banking (PPB), Paper 3 — Accounting & Financial Management for Bankers (AFM), and Paper 4 — Retail Banking & Wealth Management (RBWM).

Q: What is the passing criteria for JAIIB 2026?

A candidate must score at least 50 out of 100 marks in each paper, OR score at least 45 in each paper with an aggregate of 50% or more across all papers attempted in that attempt.

IE&IFS · PPB · AFM · RBWM — Complete Module-wise Breakdown

The official IIBF-prescribed syllabus for the JAIIB 2026 exam — all four papers, every module, every unit. Click any paper tab below to browse its full unit list, get a topper strategy tip, and jump straight into Bankopedia's chapter notes and mock tests.

Paper 1

IE&IFS

Indian Economy & Financial System

Paper 2

PPB

Principles & Practices of Banking

Paper 3

AFM

Accounting & Financial Management

Paper 4

RBWM

Retail Banking & Wealth Management

📌 Key Facts Before You Begin

▸4 papers — each 100 marks, 100 MCQs, 2 hours

▸Pass: 50/100 per paper OR 45 each + 50% aggregate

▸No negative marking — attempt every question

▸Exams held online (CBT) twice a year (May & November)

▸2-year window to clear all 4 papers (4 attempts total)

▸Each paper can be attempted independently — clear in any order

▸PPB has the most chapters (~55) but each is short and factual

▸AFM is most numerical — daily practice problems are mandatory

Questions

100 MCQs

Total Marks

100

Duration

2 Hours

Negative Marking

None

Pass Mark

50 per paper or 45 + 50% aggregate

Mode

Online (Computer Based)

Paper 2PPB55 Units

Principles & Practices of Banking

The most chapter-rich paper — covering day-to-day banking operations, lending, trade finance, technology, and ethics. The majority of Bankopedia's notes are for PPB.

📖 Study PPB Chapter Notes 🎯 Get PPB Test Series₹299 View full detailed syllabus →

💡 Topper Strategy — PPB

Module A & B have the highest weightage — 60–70% of questions. Module C (Banking Technology) is a scoring module with factual MCQs — every CBS, ATM, NEFT/RTGS/CTS date and limit is fair game. Module D (Ethics) is easiest — 5 chapters, 4–5 marks.

Module A — General Banking Operations

Banker-customer relationship, KYC/AML, account opening, deposits, cheques, NRI, FEMA, consumer protection

21 units▼

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

11.Cash Management Services

12.Payment & Collection of Cheques & Negotiable Instruments

13.Responsibility of Paying Bank

14.Responsibility of Collecting Bank

15.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

21.The Right to Information Act, 2005

Module B — Functions of Banks

Lending principles, credit appraisal, loan operations, NPA, recovery laws, guarantees, LC, priority sector, MSME, agriculture

20 units▼

1.Principles of Lending, Types of Borrowers & Credit Facilities

2.Appraisal & Assessment of Credit Facilities

3.Operational Aspects of Loan Accounts

4.Types of Collaterals & Their Characteristics

5.Different Modes of Charging Securities

6.Documentation

7.Non-Performing Assets / Stressed Assets

8.Important Laws Relating to Recovery of Dues

9.Contracts of Indemnity

10.Contracts of Guarantee & Bank Guarantee

11.Letters of Credit

12.Deferred Payment Guarantee

13.Laws Relating to Bill Finance

14.Personal Finance (Credit Cards, Home Loans, Consumer Loans)

15.Priority Sector Advances

16.Agricultural Finance

17.Finance to MFIs & Co-Lending Arrangements with NBFCs

18.Micro, Small & Medium Enterprises in India

19.Government Sponsored Schemes

20.Self-Help Groups

Module C — Banking Technology

CBS, ATMs, EFT, NEFT, RTGS, CTS, SWIFT, NPCI, cybersecurity, fintech, AI in banking

9 units▼

1.Essentials of Bank Computerisation

2.Operational Aspects of CBS Environment

3.Alternate Delivery Channels — Digital Banking

4.Data Communication Network & EFT Systems

5.Digital Payment Systems — NPCI

6.Impact of Technology Adoption & Trends in Banking Technology

7.Security Considerations & Mitigation Measures in Banks

8.Operational Aspects of Cyber Crimes / Fraud Risk Management

9.Technology Trends — e-RUPI, Fintech, RegTech, SupTech, Account Aggregators

Module D — Ethics in Banks & Financial Institutions

Business ethics, individual ethics, workplace ethics, ethical dimensions for employees, banking ethics & data privacy

5 units▼

1.Ethics, Business Ethics & Banking: An Integrated Perspective

2.Ethics at the Individual Level

3.Ethical Dimensions: Employees

4.Work Ethics & the Workplace

5.Banking Ethics: Changing Dynamics (Technology, Privacy, IP)

Ready to start PPB?

Chapter-wise notes + 50-question mock tests for every unit.

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Frequently Asked Questions — JAIIB Syllabus 2026

How many papers are there in JAIIB 2026?▼

JAIIB 2026 has 4 papers: Paper 1 — IE&IFS, Paper 2 — PPB, Paper 3 — AFM, and Paper 4 — RBWM. Each carries 100 marks.

What is the passing criteria for JAIIB 2026?▼

Score at least 50 out of 100 in each paper, OR score at least 45 in each paper with an aggregate of 50% or more across all papers attempted in that attempt.

Which is the best JAIIB paper to start with?▼

Most toppers recommend PPB first — it covers core banking operations you already encounter at work, and Bankopedia has the most comprehensive PPB chapter notes and mock tests to support you.

Which JAIIB paper is the most difficult?▼

AFM is generally considered hardest due to numerical problem-solving. PPB has the most units (55 chapters) but is conceptual. IE&IFS and RBWM are comparatively easier.

Can I clear JAIIB without coaching?▼

Yes — most candidates pass JAIIB self-studying with the right notes and mock tests. Bankopedia's chapter-wise notes + 50-question mock tests for every PPB chapter are designed for exactly this.

←JAIIB Hub PPB Chapter Notes PPB Test Series→