Free 2026 JAIIB Exam Hub
Junior Associate Training & Full Mock Tests
Accelerate your promotional growth and master the IIBF JAIIB 2026 curriculum free. Practice core concepts of banking operations, deposit customer accounting (AFM), Banker-Customer legal relationships (PPB), and macroeconomic indicators (IE&IFS) with real-world simulator tool integrations.
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JAIIB 2026
Select Compulsory JAIIB Subject for Practice & Mock Tests
JAIIB Paper 1: Indian Economy & Financial System (IE&IFS)
Indian Economic Architecture, Economic Concepts, SLR/CRR Reserve limits, and Banking Financial Products.
JAIIB Paper 2: Principles & Practices of Banking (PPB)
General Banking Operations, banker-customer relationship, types of security charges (hypothecation, pledge, mortgage).
JAIIB Paper 3: Accounting & Financial Management (AFM)
Accounting Principles, straight-line depreciation calculations, Cash Conversion Cycle, and Financial Statement analysis.
JAIIB Paper 4: Retail Banking & Wealth Management (RBWM)
Retail credit products, recovery mechanisms, LTV limits, EMI-to-NMI ratios, and Wealth Management.
Solved Numerical Case Studies for JAIIB 2026
Master the highest-weightage 2-mark numerical case study topics in JAIIB Paper 3 (AFM) and Paper 4 (RBWM) with step-by-step derivations.
Recent Exam Attempts & Performance History
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JAIIB Syllabus Units & Operational Banking Tool Bridge
Practice foundational JAIIB theory and launch corresponding operational calculators instantly.
| Paper | IIBF Syllabus Unit | Module | Questions | Theory Cross-Link | Live Simulator Tool |
|---|---|---|---|---|---|
| JAIIB Paper 1: Indian Economy & Indian Financial System | Sectors of the Indian Economy, National Income (GDP/GVA) & Economic Planning | Module A: Indian Economic Architecture | 25 Qs | Industry & Macroeconomic Assessment | Industry Benchmark Profiler |
| JAIIB Paper 1: Indian Economy & Indian Financial System | Priority Sector Lending (PSL) Targets (40% ANBC), Sub-Targets & MSME Norms | Module A: Indian Economic Architecture | 30 Qs | MSME & Priority Sector Assessment | MSME Loan Readiness Score |
| JAIIB Paper 1: Indian Economy & Indian Financial System | Monetary Policy, CRR, SLR, NDTL, Money Supply (M1/M3) & Money Multiplier | Module B: Economic Concepts Related to Banking | 32 Qs | Banking Liquidity & Reserve Ratios | Capital & Reserve Adequacy Calculator |
| JAIIB Paper 1: Indian Economy & Indian Financial System | Union Budget, Fiscal Deficit, Revenue Deficit, Primary Deficit & FRBM Act | Module B: Economic Concepts Related to Banking | 24 Qs | Macro-Financial Analysis | — |
| JAIIB Paper 1: Indian Economy & Indian Financial System | RBI, SEBI, IRDAI, PFRDA, NABARD, SIDBI, NHB & NaBFID Regulatory Roles | Module C: Indian Financial Architecture | 26 Qs | Indian Banking Regulatory Architecture | — |
| JAIIB Paper 1: Indian Economy & Indian Financial System | Money Market (Call/Notice/T-Bills/TREPS), Factoring (TReDS), Forfaiting & REITs | Module D: Financial Products and Services | 28 Qs | Money Market & Treasury Instruments | Trade & Receivables Cycle Tool |
| JAIIB Paper 2: Principles & Practices of Banking | Banker-Customer Relationship, Right of Lien, Set-Off, Clayton's Rule & Garnishee Order | Module A: General Banking Operations | 34 Qs | Banking Operations & Credit Administration | Banking Legal Templates Hub |
| JAIIB Paper 2: Principles & Practices of Banking | KYC / AML / PMLA Guidelines, Operational Deposit Accounts & NI Act Sec 10/85/131/138 | Module A: General Banking Operations | 30 Qs | AML & Transaction Monitoring | Bank Statement & AML Analyzer |
| JAIIB Paper 2: Principles & Practices of Banking | Types of Charges: Pledge, Hypothecation, Equitable Mortgage (Sec 58f), Lien & Assignment | Module B: Functions of Banks (Lending & Charges) | 36 Qs | Security Creation & Charge Documentation | Memorandum of Entry (Equitable Mortgage) Generator |
| JAIIB Paper 2: Principles & Practices of Banking | Principles of Lending, Working Capital Assessment, NPA Norms & SARFAESI / DRT Recovery | Module B: Functions of Banks (Lending & Charges) | 32 Qs | NPA Classification & Recovery Mastery | Working Capital Assessment Engine |
| JAIIB Paper 2: Principles & Practices of Banking | Core Banking Solutions (CBS), NEFT/RTGS/UPI, CTS 2010 & Digital Cyber Security | Module C: Banking Technology | 22 Qs | Banking Systems & Operational Controls | — |
| JAIIB Paper 2: Principles & Practices of Banking | Banking Ethics, Whistleblower Policy, Conflict of Interest & Code of Commitment | Module D: Ethics in Banks and Financial Institutions | 20 Qs | Governance, Ethics & Credit Monitoring | — |
| JAIIB Paper 3: Accounting & Financial Management for Bankers | Depreciation Accounting (SLM vs WDV), Bank Reconciliation (BRS) & Error Rectification | Module A: Accounting Principles and Processes | 38 Qs | Financial Statements & Accounting Guide | Break-Even & Costing Engine |
| JAIIB Paper 3: Accounting & Financial Management for Bankers | Company Final Accounts (Schedule III), Banking Balance Sheet (Form A/B) & Cash Flow (AS-3) | Module B: Financial Statements and Core Banking Systems | 30 Qs | Balance Sheet & Cash Flow Mastery | Operating Statement & P&L Recaster |
| JAIIB Paper 3: Accounting & Financial Management for Bankers | Financial Ratio Analysis (Current, Quick, Debt-Equity, DSCR) & Cash Conversion Cycle (CCC) | Module C: Financial Management | 36 Qs | Financial Ratio Analysis Chapter | Financial Ratio Stress Simulator |
| JAIIB Paper 3: Accounting & Financial Management for Bankers | Time Value of Money, Annuities, Bond Valuation (YTM & Duration) & Capital Budgeting (NPV/IRR) | Module C: Financial Management | 34 Qs | Capital Budgeting & Bond Valuation | NPV, IRR & Project Finance Simulator |
| JAIIB Paper 3: Accounting & Financial Management for Bankers | Marginal Costing, Break-Even Point (BEP), P/V Ratio, Margin of Safety, EOQ & GST/TDS | Module D: Taxation and Fundamentals of Costing | 28 Qs | Break-Even Analysis & Costing Chapter | Break-Even & Margin of Safety Calculator |
| JAIIB Paper 4: Retail Banking & Wealth Management | Retail vs Wholesale Banking Models, Liability Products & Branch Profitability | Module A: Retail Banking Introduction | 22 Qs | Profitability & Margin Analysis | — |
| JAIIB Paper 4: Retail Banking & Wealth Management | Home Loan LTV Limits (90%/80%/75%), FOIR / EMI-to-NMI Eligibility & CIBIL Credit Scoring | Module B: Retail Products and Recovery | 36 Qs | Loan Eligibility & Requirement Evaluation | Loan Sanction & Credit Score Predictor |
| JAIIB Paper 4: Retail Banking & Wealth Management | Retail NPA Recovery, SARFAESI Action on Housing Loans, Lok Adalats & Recovery Agents | Module B: Retail Products and Recovery | 26 Qs | Retail NPA & Recovery Norms | Asset Quality & NPA Analyzer |
| JAIIB Paper 4: Retail Banking & Wealth Management | Mutual Funds, Bancassurance, Portfolio Management Services (PMS) & Income Tax Slabs | Module C & D: Marketing & Wealth Management | 26 Qs | Portfolio & Financial Analysis | — |
JAIIB Associate Milestones & Scale I Pathway
JAIIB is the foundational certification for all banking professionals in India, conferring immediate monetary rewards, probation confirmation advantages, and fast-track eligibility for Scale I Officer promotions.
1 Permanent Increment
Clerical staff and Probationary/Direct Scale I Officers get 1 permanent advance salary increment added to their basic pay upon passing JAIIB.
Fast-Track Officer Promotion
Reduces the mandatory service length required for Clerical-to-Scale I Officer promotion channels (e.g. from 5 years to 3 years in merit/fast-track quota).
Prerequisite for CAIIB
Passing JAIIB is the mandatory institutional prerequisite before an employee can register for the CAIIB certification exam.
| Career Stage | Practical Operational Competency | Core JAIIB Subject Tested |
|---|---|---|
| Clerk / Associate Customer Service & Accounts | Handling KYC verification, savings/current account opening, cheque clearing, safe custody operations, and Garnishee orders. | PPB (Module A): Banker-customer legal relationships, negotiable instruments, mandates, and security charges. |
| Scale I (Junior Manager) Branch Operations & Accounting | Closing day-end ledgers, calculating straight-line depreciation, operating cycle days, and balance sheet ratio checks. | AFM (Module A & B): Double-entry bookkeeping, trial balance reconciliations, cash conversion cycle, and financial math. |
| Scale I (Credit / Retail) Retail Lending & Recovery | Underwriting housing/auto loans, verifying LTV limits & EMI ratios, credit bureau scores, and issuing SARFAESI notices. | RBWM (Module B) & IE&IFS: Retail scoring models, recovery mechanisms, CRR/SLR reserves, and priority sector lending. |
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