JAIIB (Junior Associate of the Indian Institute of the Bankers-IIBF)

JAIIB MCQs with Answers 2025 | Latest Syllabus & Case Studies JAIIB

Paper I – Indian Economy And Indian Financial System

1. An Overview of Indian Economy 2. Sectors of the Indian Economy 3. Economic Planning in India 4. Role of Priority Sector and MSME in the Indian Economy 5. Infrastructure including Social Infrastructure 6. Globalisation – Impact on India 7. Economic Reforms 8. Foreign Trade Policy, Foreign Investments and Economic Development 9. International Economic Organizations (World Bank, IMF etc.) 10. Climate change, Sustainable Development Goals (SDGs) 11. Issues facing Indian Economy
12. Fundamentals of Economics, Microeconomics, Macroeconomics and Types of Economies 13. Supply and Demand 14. Money Supply and Inflation 15. Theories of Interest 16. Business Cycles 17. Monetary Policy and Fiscal Policy 18. National Income and GDP Concepts 19. Union Budget
20. Indian Financial System – An Overview 21. Indian Banking Structure 22. Banking Regulation Act, 1949 and RBI Act, 1934 23. Development Financial Institutions 24. Micro Finance Institutions 25. Non-Banking Financial Companies 26. Insurance Companies 27. Indian Financial System - Regulators & their roles 28. Reforms & Developments in the Banking sector
29. Overview of Financial Markets 30. Money Markets and Capital Markets 31. Fixed Income Markets - Debt / Bond Markets 32. Capital Markets and Stock Exchanges 33. Forex Markets 34. Interconnection of various markets/Market Dynamics 35. Merchant Banking Services 36. Derivatives Market including Credit Default Swaps 37. Factoring, Forfaiting & Trade Receivables Discounting System (TReDS) 38. Venture Capital 39. Leasing and Hire Purchase 40. Credit Rating Agencies and their Functions 41. Mutual Funds 42. Insurance Products 43. Pension Funds (include APY, NPS) 44. Guidelines on Para Banking and Financial Services provided by Banks 45. Real Estate Investment Funds / Infrastructure Investment Fund (concept)

Paper II – Principles And Practices Of Banking

1. Banker-Customer Relationship 2. AML-KYC Guidelines 3. Operational Aspects of KYC 4. Opening Accounts of Various Types of Customers 5. Operational Aspects of Deposit Accounts 6. Operational Aspects of Handling Clearing/Collection/Cash 7. Banker’s Special Relationship 8. Foreign Exchange Remittance Facilities for Individuals 9. Operational Aspects of NRI Business 10. Foreign Currency Accounts for Residents and Other Aspects 11. Cash Management Services and Its Importance 12. Payment and Collection of Cheques and Other Negotiable Instruments 13. Responsibility of Paying Bank 14. Responsibility of Collecting Bank 15. Ancillary Services 16. Financial Inclusion and Financial Literacy 17. Customer Service Guidelines 18. Duties and Rights of a Banker and Customer Rights 19. Grievance Redressal and RBI Integrated Ombudsman Scheme 2021 20. The Consumer Protection Act, 2019: Preamble, Extent and Definitions 21. The Right to Information Act, 2005
22. Principles of Lending, Different Types of Borrowers, and Types of Credit Facilities 23. Appraisal and Assessment of Credit Facilities 24. Operational Aspects of Loan Accounts 25. Types of Collaterals and Their Characteristics 26. Different Modes of Charging Securities 27. Documentation 28. Non-Performing Assets/ Stressed Assets 29. Important Laws Relating to Recovery of Dues 30 Contracts of Indemnity 31. Contracts of Guarantee and Bank Guarantee 32. Letters of Credit 33. Deferred Payment Guarantee 34. Laws Relating to Bill Finance 35. Credit Cards, Home Loans, Personal Loans, Consumer Loans 36. Priority Sector Advances 37. Agricultural Finance 38. Finance to MFIs/Co-Lending Arrangements with NBFCs 39. Micro, Small and Medium Enterprises in India 40. Government Sponsored Schemes 41. Self-Help Groups
42. Essentials of Bank Computerisation 43. Operational Aspects of CBS Environment 44. Alternate Delivery Channels – Digital Banking 45. Data Communication Network and EFT Systems 46. Digital Payment Systems – NPCI 47. Impact of Technology Adoption and Trends in Banking Technology 48. Security Considerations and Mitigation Measures in Banks 49. Operational Aspects of Cyber Crimes/Fraud Risk Management in Cyber Tech 50. Technology trends in Banking, e-RUPI, Fintech - RegTech, SupTech, Hashtag banking etc.
51. Ethics, Business Ethics and Banking: An Integrated Perspective 52. Ethics at the Individual Level 53. Ethical Dimensions: Employees 54. Work Ethics and the Workplace 55. Banking Ethics: Changing Dynamics

Paper III – Accounting And Financial Management For Bankers

1. Definition, Scope and Accounting Standards including Ind AS 2. Basic Accountancy Procedures 3. Maintenance of Cash/Subsidiary Books and Ledger 4. Bank Reconciliation Statement 5. Trial Balance, Rectification of Errors and Adjusting And Closing Entries 6. Depreciation And its Accounting 7. Capital and Revenue Expenditure 8. Bills of Exchange 9. Operational Aspects of Accounting Entries 10. Back Office Functions/Handling Unreconciled Entries in Banks 11. Bank Audit And Inspection
12. Balance Sheet Equation 13. Preparation of Final Accounts 14. Company Accounts – I 15. Company Accounts – II 16. Cash Flow And Funds Flow 17. Final Accounts of Banking Companies 18 Core Banking Systems And Accounting in Computerised Environment
19. An Overview of Financial Management 20. Ratio Analysis 21. Financial Mathematics - Calculation of Interest And Annuities 22. Financial Mathematics - Calculation of YTM 23. Financial Mathematics - Forex Arithmetic 24. Capital Structure and Cost of Capital 25. Capital Investment Decisions/Term Loans 26. Equipment Leasing/Lease Financing 27. Working Capital Management 28. Derivatives
29. Taxation: Income Tax/TDS/Deferred Tax 30. Goods And Services Tax 31. An Overview of Cost And Management Accounting 32. Costing Methods 33. Standard Costing 34. Marginal Costing 35. Budgets and Budgetary Control

Paper IV – Retail Banking And Wealth Management

1. Retail Banking: Introduction 2. Retail Banking: Role within the Bank Operations 3. Applicability of Retail Banking Concepts and Distinction between Retail and Corporate/Wholesale Banking 4. Branch Profitability
5. Customer Requirements 6. Product Development Process 7. Credit Scoring 8. Important Retail Liability Products 9. Important Retail Asset Products 10. Credit and Debit Cards 11. Remittance Products 12. Digitisation of Retail Banking Products 13. Role of AI and Technology in Retail Banking 14. Recovery of Retail Loans 15. Management Information Systems 16. Securitization
17. Marketing – An Introduction 18. Delivery Channels in Retail Banking 19. Delivery Models 20. Customer Relationship Management in Retail Banking 21. Service Standards for Retail Banking 22. Marketing Information Systems- A Longitudinal Analysis
23. Importance of Wealth Management 24. Investment Management 25. Tax Planning 26. Other Financial Services Provided by Banks 27. Lender's Appraisal Procedure 28. Housing Finance and Tax Planning 29. Mortgage Advice 30. Valuation of Real Property

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