Arthzo Exams
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.

4
Papers
100
Questions per paper
120
Minutes per paper
986
Module B questions

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

Module-wise papers

Full-module papers under exam timing, with each unit also available separately for shorter sessions. Results break down by unit on the full paper and by concept on the unit papers.

Module B — Retail Products and Recovery

All twelve units of the published syllabus. The complete paper reports your score unit by unit; each unit is also available on its own for shorter sessions.

Topic tests

Sets covering one syllabus topic at a time, sized to fit around a working week. Results break down by sub-topic so you can see exactly which part of the module is costing you marks.

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 Module A full test   Or begin with Unit 1