Arthzo Exams / JAIIB

JAIIB

Junior Associate of the Indian Institute of Bankers. Four papers on the revised syllabus, each testing whether you can apply banking rules rather than recite them.

Papers

100

Questions per paper

120

Minutes per paper

50%

Pass mark

Check the current notification. IIBF revises paper structure and passing criteria periodically. The aggregate route — 45% in each paper with 50% overall — and attempt limits are set out in the notification for your exam cycle, not here.

Papers and mock tests

JAIIB paper structure and available mocks
Paper	Modules	Questions	Time	Mock
Indian Economy and Indian Financial System Paper 1 · IE & IFS	Economic concepts, financial institutions, markets, interest rates	100	120 min	October
Principles and Practices of Banking Paper 2 · PPB	Banking regulation, functions, customer relations, KYC, technology	50	60 min	Live
Accounting and Financial Management for Bankers Paper 3 · AFM	Book-keeping, final accounts, depreciation, ratio analysis, banking arithmetic	50	60 min	Live
Retail Banking and Wealth Management Paper 4 · RBWM	Retail products, marketing, wealth management, insurance, pension	100	120 min	October

Where candidates lose marks

Across the four papers the failures cluster in predictable places.

AFMPaper 3

Numericals, especially depreciation and ratios

Not because the arithmetic is hard, but because candidates apply the wrong base — cost instead of cost less salvage, or the wrong denominator in a ratio. Practise the formula selection, not the calculation.

Highest failure rate

PPBPaper 2

Threshold values and timelines

KYC updation periods, reporting thresholds, limitation periods, notice requirements. These are pure recall and are the cheapest marks in the paper to secure.

Cheapest marks

IE & IFSPaper 1

Confusing similar institutions

The functions of SIDBI, NABARD, EXIM Bank and NHB overlap enough to be muddled under time pressure. Build the distinction once, properly.

Common slip

RBWMPaper 4

Treating it as the easy paper

The retail content feels familiar to anyone working a branch, so it gets under-prepared. The wealth management and insurance modules are where the unfamiliar marks sit.

Underestimated

A workable order

If you are attempting all four in one cycle, start with AFM. It carries the heaviest conceptual load and the most numericals, so it needs the longest runway and benefits most from spaced repetition. PPB and IE & IFS reward steady reading and can be built in parallel. Leave RBWM for last, but leave it real time rather than the final week.

Start the AFM mock