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JAIIB Syllabus 2023 (Jan Exam) IIBF JAIIB New Syllabus & Exam Pattern

JAIIB Syllabus

JAIIB Syllabus: Indian Institute of Banking & Finance (IIBS) introduced a flagship course known as JAIIB 2023. The JAIIB Exam 2023 is scheduled to be organized on  8th, 14th, 15th and 29st  October 2023. Download JAIIB Syllabus 2023 PDF from here for Jan Exam to prepare well for the examination.

Candidates must strengthen their preparations by checking the detailed IIBF JAIIB New Syllabus & Exam Pattern mentioned below by the unit of recruitmentresult.com

JAIIB Syllabus

JAIIB Syllabus


JAIIB Exam Syllabus Highlights:

Organization Name Indian Institute of Banking & Finance (IIBF)
Course Name Junior Associate of the Indian Institute of the Bankers (JAIIB)
Name of Exam IIBF JAIIB Exam
Category JAIIB Syllabus
JAIIB Jan Exam Date 8th, 14th, 15th and 29st  October 2023
Official Site iibf.org.in

IIBF JAIIB Exam Dates:

JAIIB Subjects Exam Date
Principles & Practice of Banking  
Accounting & Finance for Bankers  
Legal & Regulatory Aspects of Banking  

Download Here: JAIIB Syllabus PDF

JAIIB Syllabus

JAIIB Exam Pattern 2023:

  • Question Paper will comprise 120 MCQ types questions of 100 marks including questions based on case studies / case lets.
  • The Institute may however vary the number of questions to be asked for a subject.
  • The examination will be held in Online Mode only
  • There will NOT be negative marking for wrong answers.
  • The time duration of exam is 2 hours.
Mode of Examination Online (Computer-based)
Paper Language English & Hindi
Time Duration 2 hours
Question Type Multiple Choice Questions
Total Questions 120
Total Marks 100
Marking Scheme No Negative Marks. 1 point for every correct answer

JAIIB Syllabus

Syllabus of JAIIB 2023

From below section, candidates can check the new and updates JAIIB Nov Syllabus OR JAIIB Syllabus 2023. Candidates must go through the complete JAIIB Syllabus and prepare according to it.

For Principles & Practice Of Banking

Module A

Name of Module: Indian Financial System
Name of the Unit in the module Contents
An Overview
  • Role of RBI
  • Commercial Banks
  • NBFCs
  • PDs
  • FIs
  • Cooperative Banks,
  • CRR
  • SLR
  • Equity & Debt Market
  • IRDA
  • Constitution
  • Objectives
  • Functions of RBI
  • Tools of
    Monetary Control
  • Regulatory
    Restrictions on Lending
Retail Banking,
Wholesale and
  • Retail Banking- Products
  • Opportunities
    Wholesale Banking
  • Products International
    Banking Requirements
    of Importers & Exporters
    Remittance Services
  • Universal Banking
  • ADRs
  • GDRs
  • Participatory Notes
Role Of Money
Debt Markets
& Forex Market
  • Types of Money &
    Debt Market Instruments
    incl. G-Secs
  • Ads
  • FEMA
Role and
Functions of
Capital Markets,
  • Overview of Capital
    Market Stock Exchange
  • Commonly used Terms
    Types of Capital Issues
  • Financial Products/
  • including ASBA,
  • QIP SEBI Registration
    of Stock Brokers, Sub-
  • brokers, Share Transfer
    Agents, etc QIBs
Mutual Funds
& Insurance
  • Types of Mutual
    Funds, its
  • Management & its
  • Role Role &
    Functions of
    Insurance Companies
  • Bancassurance IRDA
Services and
Sheet items
  • Types & advantages of
    Factoring &
    forfaiting Services
  • Types of off
    balance sheet tems
Risk Management,
Basel Accords
  • Introduction to
    Risk Management
  • basel I, II & III Accords
CIBIL, Fair|
Practices Code
for Debt
Collection, BCSBI
  • Role and Functions of
    CIBIL Fair Practices Code
  • for Debt Collection
    Codes of BCSBI
in the Financial System
  • Structure, Reforms in
    the Indian Financial
    System recent
    in Money, Debt,
  • Forex Markets
  • Payments
    and Settlement

Read Here: How to Prepare for Written Exam

JAIIB Syllabus

Module B

Functions of Banks
Name of the Unit in the module Contents
  • Types Different
    Deposit Products
    & Services
  • Services to
    Customers & Investors
  • Types Different
    Deposit Products
    & Services
  • Services to Customers
    & Investors
  • PMLA Act
  • KYC Norms
Bankers’ Special
  • Mandate
  • POA
  • Garnishee Orders
  • Banker’s
  • Lien
  • Right of Set off
Consumer Operational Aspects of
COPRA Act & Banking
Protection – Ombudsman Scheme
COPRA, Banking
Payment and
Collection of
Cheques and Other
  • 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
    Different Types of
    including Aadhar,
    SB Rate Deregulation
Ancillary Services
  • Remittances
  • Safe Deposit Lockers
  • Govt. Business
  • EBT
Cash Operations
  • Cash Management
    Services and
    its Importance
lending, Working
and Credit
  • Cardinal Principles
    Non-fund Based Limits WC
  • Term Loans
    Credit Appraisal
  • Sources of WC Funds
    & its Estimation
    Cycle Projected Net
    WC Turnover Method
  • Cash Budget Credit
    Monitoring &
    Its Management
    Base Rate
Priority Sector
  • Targets
  • Sub-Targets
  • Recent Developments
  • Types of Agricultural Loans
  • Risk Mitigation in
    agriculture (NAIS, MSP etc)
Micro, Small and
  • MSMED Act, 2006
    Policy Package
    for MSMEs
  • Performance and
    Credit Rating
    Scheme Latest
  • SGSY
  • PMRY
  • SLRS
Self Help Groups
  • Need for &
    Functions of SHGs
  • Role of NGOs in
    Indirect Finance to
    SHGs SHGs &
  • SGSY Scheme
  • Capacity Building
Credit Cards,
Home Loans,
Personal Loans,
Consumer Loans
  • Operational Aspects
  • Advantages
  • Disadvantages &
    Guidelines of
    Credit Cards
  • Procedure and
    Practices for
  • Home Loans
    Loans and
    Consumer Loans
  • Types of Documents
  • Procedure
  • Stamping
  • Securitisation
Modes of
  • Assignment
  • Lien
  • Set-off
  • Hypothecation
  • Pledge
  • Mortgage
Types of
and their
  • Land & Buildings
  • Goods
  • Documents of
    Title to Goods
  • Advances
    Insurance Policies
  • Shares
  • Book Debts
  • Term Deposits
  • Gold, etc
  • Supply Bills
Non Performing
  • Definition
  • Income Recognition
  • Asset
  • Classification
  • Provisioning Norms
  • CDR
Financial Inclusion
  • BC
  • BF
  • Role of ICT in
    Financial Inclusion
  • Mobile
    based transactions
  • R SETI
Financial Literacy
  • Importance of
    financial literacy
  • Customer awareness

Module C

JAIIB Syllabus

Banking Technology


of Bank

  • Computer Systems
  • LANs
  • WANs
  • UPS
  • Core
Computerization Banking



  • ATMs
  • HWAK
  • PIN
  • Electromagnetic Cards
And Electronic Banking
  • Electronic Banking
  • Signature Storage &
    Retrieval System
  • CTS
  • Note & Coin Counting
  • Machines
  • Microfiche
  • NPC




and EFT


  • Components & Modes of
  • Major Networks in India
  • Emerging Trends in
    Networks for Banking
  • Evolution of EFT System
  • Automated Clearing Systems
  • Funds Transfer Systems
  • Recent
  • Developments in India
Role of Technology


Upgradation and its

impact on Banks

  • Trends in Technology
  • Role & Uses of Technology
  • 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 Gopala krishna Committee
Preventive Vigilance
in Electronic Banking
  • Phishing
  • Customer Education
  • Safety Checks
  • Precautions

Get Tips: How Do Toppers Study?

JAIIB Syllabus

Module D

Support Services – Marketing of Banking Services / Products
Marketing – An



  • Concept
  • Management
  • Products & Services
  • Marketing Mix
  • Brand Image
Social Marketing /
  • Evolution,
  • Importance & Relevance of Social
Networking Marketing/Networking


Behaviour and


  • Consumer Behaviour
  • Product Planning
  • Development
  • Strategies etc
  • CRM
  • Importance
  • Objectives
  • Factors
  • Methods
  • Strategies of Pricing
  • Bank Pricing
  • Distribution Channels
  • Channels for Banking Services
  • Net Banking
  • Mobile Banking



  • Meaning
  • Levels
  • Dynamics
  • Advantages
  • Role of Promotion in Marketing
  • Promotion Mix
Role Of DirectSelling Agent /


Direct Marketing

Agent in a bank

  • Definition
  • Relevance
  • Banker as DSA/DMA
  • Delivery Channels in Banks
  • Benefits
Marketing Information Systems – a




  • Functions & Components of MKIS
  • MKIS Model
  • Use of Computers & Decision Models
  • Performance of MKIS
  • Advantages

For Accounting & Finance for Bankers

JAIIB Syllabus

Module A

Business Mathematics and Finance
Name Of The Unit In The Module Contents
Calculation of


Interest and


  • Calculation of Simple Interest &
    Compound Interest
  • Calculation of Equated Monthly
  • Fixed and Floating Interest Rates
  • Calculation of Annuities
  • Interest Calculation using
  • Amortisation of a Debt
  • Sinking Funds
Calculation of



  • Debt- Definition, Meaning &
    Salient Features
  • Loans
  • Introduction to Bonds
  • Terms associated with Bonds
  • Cost of Debt Capital
  • Bond value with semi-annual
  • 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




  • Fundamentals of Foreign
  • 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

JAIIB Syllabus

Principles of Bookkeeping & Accountancy
Definition, Scope and
Accounting Standards
  • Nature and Purpose of
  • 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.




  • 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
  • Journals
  • Ledgers
  • subsidiary books
Bank Reconciliation



  • Need for Bank Reconciliation
  • Causes of Differences
  • Preparation of Bank Reconciliation
  • How to prepare a Bank Reconciliation
    Statement when Extracts of Cash
    Book and Pass Book are given
  • 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 when Books are closed
  • 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

Read This: How To Reduce Negative Marking

Module C

Final Accounts
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
  • 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.


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

JAIIB Syllabus

Module D

Banking Operations
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
  • operational aspects in regard to
    opening of all types of accounts,
  • scrutiny of loan applications/
  • 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

JAIIB Syllabus

For Legal & Regulatory Aspects of Banking

Name of the module Name Of the Unit in the Module
Module A: Regulations and Compliance Legal Framework of Regulation
of Banks
Control Over Organization
of Banks
Regulation of Banking Business
Returns Inspection, Winding up,
Mergers & Acquisitions
Public Sector Banks and
Cooperative Banks
Financial Sector Legislative Reforms
Recent Legislative Changes
in RBI Act
Financial Sector Development
Module B: Legal aspects of
Banking Operations
Different Types of Borrowers
Types of Credit Facilities
Secured and Unsecured
Loans, Registration of Firms
and Incorporation of Companies
Bank Guarantees
Letters of Credit
Deferred Payment Guarantees
Laws Relating to Bill Finance
Various Types of Securities
Laws Relating to Securities
and Modes of Charging – I
Laws Relating to Securities
and Modes of Charging – II
Registration and Satisfaction
of Charges
Case Laws on Responsibility
of Paying Bank
Case Laws on Responsibility
of Collecting Bank
Module C: Banking Related Laws Recovery of Debts due to Banks
and Financial Institutions Act,1993(DRT Act)
Securitization and Reconstruction
of Financial Assets and
of Securities Interest
Banking Ombudsmen Scheme
Bankers Books Evidence
Act, 1891
The Legal Services AuthoritiesAct, 1987
The Consumer Protection Act,
1986 and CERSAI
The Law Of Limitation
Tax Laws
Negotiable Instruments
Act, 1881
Payment & Settlements
Systems Act, 2007
Module D: Commercial Laws
with reference to Banking Operations
Indian Contract Act, 1872
The Sale of Goods Act, 1930
Indian Partnership Act, 1932
Definition and features of a
The Companies Act, 1956
Foreign Exchange Management
Act, 1999
Transfer of Property Act, 1882
The Right to Information Act, 2005
Right To Information and Obligation
of Public Authorities
The Prevention of Money
Laundering Act, 2002
Information Technology
Act, 2000

Go through these Important Links

JAIIB Previous Year Question Papers Details
Best IIBF Books Details

JAIIB Passing Marks:

To qualify the exam, candidates have to secure Minimum 50 marks out of 100.

Candidates secured at least 45 marks in each subject with an aggregate of 50% marks in all subjects of examination in a single attempt will also be declared qualified.

IIBF JAIIB Exam 2023

IIBF is going to conduct Junior Associate of the Indian Institute of Bankers Exam for providing required level of basic knowledge in banking and financial services to the eligible candidates.

The syllabus of IIBF JAIIB Exam or JAIIB Syllabus will provide details for all the subjects that are included in the exam. Aspirants must make themselves aware of the JAIIB Syllabus 2023 in order to cover all the topics, sub-topics etc.

It is significant for aspirants to keep themselves updated with the detailed JAIIB 2023 Syllabus so that they attain plenty time to plan a process and prepare accordingly as per JAIIB syllabus. Participated aspirants may download IIBF JAIIB Exam syllabus or JAIIB Syllabus by going through the direct link provided above.

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JAIIB Syllabus FAQ’s:

Q1. What is the mode of the IIBF JAIIB exam?

Ans: The officials will conduct the IIBF JAIIB exam in online mode.

Q2. Do officials provide IIBF JAIIB syllabus in modules?

Ans: Yes. IIBF provides the syllabus in modules.

Q3. Does IIBF provide the syllabus for JAIIB examination?

Ans: Yes, Indian Institute of Banking and Finance prescribes the syllabus for JAIIB exam.

Q4. Do the officials release the syllabus for all the papers of the JAIIB examination?

Ans: Yes, IIBF prescribes the syllabus for both the papers of the exam.

Q5. What is the use of IIBF JAIIB syllabus?

Ans: The syllabus familiarizes the aspirants with the topics coming in the examination.

Q6. How many papers are there in IIBF JAIIB examination?

Ans: There are three papers in the JAIIB exam of IIBF.

Q7. How can I cover the IIBF JAIIB syllabus in a short time?

Ans: Aspirants can use the preparation books available for IIBF JAIIB or solve mock test and sample papers to prepare for the exam.

Q8. Does the syllabus of IIBF JAIIB remain similar every year?

Ans: Yes, the IIBF JAIIB syllabus is similar every year. However, in case of any change, the officials update the same on the official website of IIBF.

Q9. Do officials provide a module-wise syllabus for IIBF JAIIB?

Ans: Yes, the officials provide IIBF JAIIB syllabus module-wise.

Q10. How many questions will be there in IIBF JAIIB?

Ans: There will be a total of 120 questions in the JAIIB examination.

Q11. What is the frequency of the JAIIB Exam?

Ans: JAIIB Exam is conducted twice a year, once in May and another in November 2021.

Q12. What is the exam date for the JAIIB Exam 2021?

Ans: JAIIB Exam 2021 will be conducted on 2, 9, and 16 May 2021 (Postponed) for the May session. JAIIB Exam date for November is 7, 14, and 21 November 2021.

Q13. What are the passing marks in the JAIIB exam?

Ans: Candidates need to score at least 50% marks in JAIIB papers.

Q14. How many modules are there in the JAIIB exam?

Ans: There are four modules in the JAIIB exam.

Q15. What is the duration of the JAIIB exam?

Ans: The duration of each paper is 2 hours in the JAIIB exam.


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