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JAIIB Syllabus 2021 – IIBF prescribes the JAIIB exam pattern and syllabus.

JAIIB Syllabus 2021 – IIBF prescribes the JAIIB exam pattern and syllabus. Aspirants of JAIIB exam must keep abreast with the latest exam pattern and syllabus of JAIIB exam to prepare strategically and ace the exam.

The Indian Institute of Banking & Finance conducted the JAIIB exam twice in a year. The exam is conducted for the post of Junior Associate of Indian Institute of Bankers. Candidates who are already existing employees of the banking and finance industry are only eligible to apply for the exam. Further details on the JAIIB exam can be found on the linked page.  

Aspirants in this article will get the JAIIB syllabus and exam pattern in detail. Also, they will be able to download JAIIB syllabus for convenience in their preparation. 

JAIIB Syllabus PDF- Download PDF Here

Aspirants of various Government exams can check the link for updates on upcoming examinations.

The IIBF mentions the exam pattern of JAIIB on their official website. The examination pattern of Junior Associate of Indian Institute of Bankers is as mentioned below- 

JAIIB Selection Process – Time Limit for Passing the Exam

Candidates willing to appear for JAIIB examination are required to pass the examination in the stipulated time period which is as mentioned below-

Candidates willing to appear for JAIIB exam can check the links given below for relevant details-

The Indian Institute of Banking and Finance on its official website publishes the JAIIB syllabus in detail under the Examination/ Courses tab.

As per the JAIIB syllabus mentioned by IIBF, there are three papers that are to be studied by the aspirants, they are –

The detailed unit-wise and topic-wise JAIIB syllabus covered under each paper are highlighted in the table below-

Paper I is Principles and Practices of  Banking which is further divided into 5 Modules. The module-wise syllabus for JAIIB exam is as follows-

of Monetary Control; Regulatory Restrictions on

Role; Role & Functions of Insurance Companies;

The JAIIB Syllabus for Principles and Practices of Banking Module B covers –

Module C of JAIIB Syllabus under Principles and Practices of Baking covers the following topics-

JAIIB Syllabus Paper I – Module D cover following topics-

The Paper I of JAIIB Syllabus i.e. Principles and Practices of Banking now includes one more module – Module E. the topics covered in this module are as  follows –

of Ethics Manual, Whistleblowing in Banks, Whistleblowing Laws in India

Proprietary Rights, Ethics of Information Security, Cyber Threats, Digital Rights Management

The Paper-II of JAIIB Syllabus i.e. Accounting and Finance For Bankers is divided in 4 modules the detailed syllabus is as follows –

Calculation of Simple Interest & Compound Interest; Calculation of Equated Monthly Instalments; Fixed and Floating Interest Rates; Calculation of Annuities; Interest Calculation using Products/ Balances; Amortization of a Debt; Sinking Funds

Debt- Definition, Meaning & Salient Features; Loans; Introduction to Bonds; Terms associated

with Bonds; Cost of Debt Capital; Bond value with semi-annual Interest; Current Yield on Bond; Calculation of Yield-to- Maturity of Bond; Theorems for Bond Value; Duration of Bond;

Properties of Duration; Bond Price Volatility

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, its types and methods; Comparing Depreciation Methods

Fundamentals of Foreign Exchange; 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; etc.

Nature and Purpose of Accounting; 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

Concepts of Accountancy; Going Concern Entity; Double Entry System; Principle of Conservatism; Revenue Recognition and Realization; Accrual and Cash Basis.

Record-Keeping Basics; Account Categories; Debit and Credit Concepts; Accounting and Columnar Accounting Mechanics; Journals; Ledgers; subsidiary books; etc. 

Need for Bank Reconciliation; Causes of Differences; Preparation of Bank Reconciliation Statement; 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.

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.

Expenditure; Distinction between Capital and Revenue Expenditure; Deferred Revenue Expenditure; Receipts; General Illustrations. 

Types of Instruments of Credit; Term and Due Date of a Bill; Certain Important Terms; Accounting Entries to be Passed; Accommodation Bill etc.

Balance Sheet Equation; Computation of Balance Sheet Equation.

Preparation of Trading A/C; Profit and Loss A/C; Profit & Loss Appropriation Account; Balance

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.

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.

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 for Profit & Loss A/c; Preparation of Final Accounts

Meaning, features of and terms used in Computerized Accounting; Difference between Computerized and Manual Accounting; Advantages and Disadvantages of Computerized Accounting; Functions performed by Computerized Accounting Softwares available in the Market; Computerization – Scope and Experiences in Banking; The Core Banking Components; Information Security; Internet and World Wide Web – Influences on Banking

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 documents, operational aspects in regard to opening of all types of accounts, scrutiny of loan applications/ documents, allowing withdrawals and accounting entries involved at various stages, operational aspects of CBS environment etc., Back office operations in banks, handling of unreconciled entries in banks.

The Paper III of JAIIB Syllabus includes topics covered under the Legal and Regulatory Aspects of Banking. Let us see the topics covered in detail.

Business of Banking; Constitution of Banks; RBI Act, 1934; Banking Regulation Act, 1949; Role of RBI; Govt. as a Regulator of Banks; Control over Co-operative Banks; Regulation by other Authorities.

Licensing of Banking Companies; Branch Licensing; Paid up Capital and Reserves; Shareholding in Banking Companies; Subsidiaries of Banking Companies; Board of Directors; Chairman of Banking Company; Appointment of Additional Directors; Restrictions on Employment; Control over Management; Corporate Governance; Directors and Corporate Governance.

Power of RBI to Issue Directions; Acceptance of Deposits; Nomination; Loans and Advances; Regulation of Interest Rate; Regulation of Payment Systems; Internet Banking Guidelines; Regulation of Money Market Instruments; Banking Ombudsman; Reserve Funds; Maintenance of CRR, SLR; Assets in India.

Annual Accounts & Balance Sheet; Audit & Auditors; Submission of Returns; Preservation of Records and Return of Paid Instruments; Inspection and Scrutiny; Board for Financial Supervision; Acquisition of Undertakings; Amalgamation of Banks; Winding up of Banks; Penalties for offences. 

SBI and its Subsidiaries; Regional Rural Banks; Nationalized Banks; Application of BR Act to Public Sector Banks; Disinvestment of Shares by Govt.; Co-operative Banks 

Need, Approach for Financial Sector Legislative Reforms; Important Reforms 

Recent Legislative Changes in RBI Act, Need thereof

Role and Functions of Financial Sector Development Council

Types of Borrowers; Limited Liability Partnership

Cash Credit, Overdraft, Demand Loans, Term Loans, Bill Finance

Definition of Secured and Unsecured loans; Need for Secured Loans; Registration of Firms; Consequences of Non-registration of Firms; Incorporation of a Company

Definition of Contract of Indemnity; Features of Indemnity Contract & Guarantee; Scope and Application of Indemnity Contracts to Banks; Obligations of a Banker; Precaution & Rights of an Indemnity Holder 

Definition and Types of Bank Guarantees; Banker’s Duty to Honor Guarantee; Precautions to be taken for Issuance of Bank Guarantee; Precautions to be taken for Payment under Bank Guarantee; Invocation & Enforcement. 

General Considerations of Letters of credit; Parties to a Letter of credit; Types of Letters of credit; Documents under a Letter of credit; UCPDC 600; Banks obligation for payment of  letter of credit. 

Purpose of DPGs; Methods of Payment

Class of Bills and Laws Governing Bills; Classification of Bills; Categories of Bill Finance; Bill Finance and Legal Position of Banker

Types of Securities; Escrow Arrangements; Trust and Retention Arrangements.

Mortgage; Types of Mortgage; Enforcement of Mortgages

Definition of Charge; Procedure for Registration of Charge; Effect of Non-registration of charges; Provisions of Law relating to Registration of Charges

Negotiable Instruments Act and Paying Banks; Liability of Paying Banker; Payment in due course; Payment in Good Faith; Whether Payment under Mistake Recoverable

Statutory protection to Collecting Bank; Duties of Collecting Bank

Objective of the Act, Constitution of Tribunal, Procedure to be followed, Enforcement process

Constitutional Validity; Definitions; Regulation & Reconstruction; Enforcement of Security

Interest; Central Registry; Offences & Penalties; Miscellaneous Provisions

Purpose; Extent; Definitions; Establishment; Powers; Procedure for Redressal Grievance

Applicability; Definition; Important Provisions

Lok Adalats- Organization; Jurisdiction; Disposal of Cases; Awards

Preamble, Extent & Definitions; Consumer Protection Councils; Consumer Disputes Redressal Agencies; Objectives and important provisions of Central Registry of Securitisation Asset Reconstruction and Security Interest of India

Definition; Computation of Limitation; Important Provisions in schedule to the Limitation Act

Income Tax; Commodity Transaction Tax; Service Tax

Applicability; Definition; Important Provisions

Applicability; Definition; Important Provisions

Meaning and essentials of contract; Contract of Indemnity & Rights of Indemnity Holder; Contract of Guarantee; Contract of Bailment; Contract of Pledge; Contract of Agency

Features; Sale & Agreement to Sell; Conditions and Warranties; Express & Implied; Rights of  Unpaid Seller

Definition & Types of Partnerships; Relation of partners to one another & to third Parties;  minor admitted to benefits of partnership; Dissolution of a firm; Effect of non-registration; Limited liability partnerships formation, registration, rights and liabilities of partners

Definition & Features of a Company; Distinction between Company and Partnership

Definition, Features & Types of companies; Memorandum and Articles of Association; Doctrine of Ultra Vires, Constructive Notice, Indoor Management; Membership of Company Acquisition, Cessation, Register, Rights & Duties of Members, Prospectus; Directors; Winding  up of Companies

Important Terms; Powers of RBI, Regulation and Management; Directorate of Enforcement

Sale, Mortgage of Immovable Property; Types of Mortgages; Sale with and without court  intervention; Lease of Immovable Property

Applicability; Definition; Important Provisions

Obligations; Procedure; Disposal; Appeal; Orders; Penalties.

Obligations; Records to be Maintained; Procedure for Maintaining & Furnishing Information;  Maintenance & Verifications of Records of Identity of Clients.

Definitions; Electronic Governance; Certifying Authorities; Digital Signature Certificates;  Penalties; Appeal

JAIIB Syllabus PDF- Download PDF Here

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Principles and Practices of  Banking

Legal and Regulatory Aspects of Banking

JAIIB Syllabus – Principles and Practices of  Banking

Role of RBI, Commercial Banks, NBFCs, PDs, FIs, Cooperative Banks, CRR, SLR; Equity & Debt Market; IRDA

Role Of Money Markets, Debt Markets & Forex Market 

Types of Money & Debt Market Instruments incl. G-Secs; ADs, FEMA, LIBOR, MIBOR, etc 

Role & Functions of Capital Markets, SEBI 

Overview of Capital Market; Stock Exchange; Commonly used Terms; Types of Capital Issues; Financial Products/ Instruments including ASBA, QIP; SEBI; Registration of Stock Brokers, Subbrokers, Share Transfer Agents, etc; QIBs

Factoring, Forfaiting Services and Off-Balance Sheet items

Types & advantages of Factoring & forfeiting services; Types of off-balance sheet items 

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 

Structure, Reforms in the Indian Financial System; recent developments in Money, Debt, Forex Markets; Regulatory Framework; Payments and Settlement Sys tem 

JAIIB Syllabus – Principles and Practices of  Banking

Types; Different Deposit Products & Services; Services to Customers & Investors

Mandate; POA; Garnishee Orders; Banker’s Lien; Right of Set-off

Consumer Protection – COPRA, Banking Ombudsman Scheme 

Operational Aspects of COPRA Act & Banking Ombudsman Scheme

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 of Different Types of Customers including Aadhar, SB Rate Deregulation

Remittances; Safe Deposit Lockers; Govt. Business; EBT

Cash Management Services and its Importance

Cardinal Principles; Non-fund Based Limits; WC; Term Loans; Credit Appraisal Techniques; Sources of WC Funds & its Estimation; Operating Cycle; Projected Net WC; Turnover Method; Cash Budget; Credit Monitoring & Its Management; Base Rate

Targets; Sub-Targets; Recent Developments

Types of Agricultural Loans; Risk Mitigation in agriculture (NAIS, MSP etc) 

Micro, Small and Medium Enterprises 

MSMED Act, 2006 Policy Package for MSMEs; Performance and Credit Rating Scheme; Latest Developments

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, Personal Loans and Consumer Loans 

Types of Documents; Procedure; Stamping; Securitisation

Different Modes of Charging Securities

Types of collaterals and their characteristics

Land & Buildings; Goods; Documents of Title to Goods; Advances against Insurance Policies, Shares, Book Debts, Term Deposits, Gold, etc; Supply Bills

Definition; Income Recognition; Asset Classification; Provisioning Norms; CDR 

BC; BF; Role of ICT in Financial Inclusion, Mobile based transactions, R SETI 

Importance of financial literacy, customer awareness

JAIIB Syllabus – Principles and Practices of  Banking

Computer Systems; LANs; WANs; UPS; Core Banking

Payment Systems and Electronic Banking

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

Data Communication Network and EFT systems

Components & Modes of Transmission; Major Networks in India; Emerging Trends in Communication Networks for Banking; Evolution of EFT System; SWIFT; Automated Clearing Systems; Funds Transfer Systems; Recent Developments in India 

Role of Technology Upgradation and its impact on Banks

Trends in Technology Developments; Role & Uses of Technology Upgradation; Global Trends; Impact of IT on Banks

Gopalakrishna Committee Recommendations

Preventive Vigilance in Electronic Banking

Phishing; Customer Education; Safety Checks; Precautions

JAIIB Syllabus – Principles and Practices of  Banking

Module D – Support Services- Marketing of Banking Services/ Products

Concept; Management; Products & Services; Marketing Mix; Brand Image

Evolution, Importance & Relevance of Social Marketing/ Networking

Consumer Behavior; 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 Direct Selling Agent/ Direct Marketing Agent in a bank

Definition; Relevance; Banker as DSA/ DMA; Delivery Channels in Banks; Benefits

Marketing Information Syste ms – a longitudinal analysis

JAIIB Syllabus – Principles and Practices of  Banking

Module E – Ethics in Bank & Financial Institutions

Ethics, Business Ethics & Banking: An  integrated Perspective

Business Ethics, Ethical Foundation and Banking Ethics in Global and Indian Contexts

Values, Norms, Beliefs, Morality, Conflict, Integrity, Golden Rule, Dilemmas, Decision-Making

Obligation to Bank/ Third Parties, Abuse of Official Position, Sexual Harassment, Conflict of Interest, Fair Accounting Practices, HRM Ethics, Employees as Ethics Ambassadors & Managers as Ethical Leaders

Wondering how to complete the vast JAIIB syllabus? Refer the links below and give a boost to your preparation-

Bank Exam Quiz

Banking Awareness

Current Affairs

Static GK

JAIIB Syllabus – Accounting and Finance For Bankers

JAIIB Syllabus – Legal and Regulatory Aspects of Banking