The Indian Institute of Banking & Finance (IIBF) is responsible for conducting the JAIIB and CAIIB examinations twice a year for employees in the banking and finance industry to enhance their knowledge and skills and improve their career prospects. The JAIIB and CAIIB exams are flagship professional certification programs primarily for banking and finance professionals in India. The JAIIB exam is open to anyone working in the banking and finance sector who is a member of IIBF, where CAIIB requires JAIIB certification and membership in IIBF.

What is JAIIB Exam?

The Junior Associate of the Indian Institute of Bankers (JAIIB) examination is conducted by IIBF to enhance the skills and knowledge of banking professionals in India. An individual working in the banking or finance sector and having membership in the IIBF is eligible for the JAIIB exam. This exam is usually taken by clerks, officers, and other employees early in their banking careers to build a strong foundation in banking principles, financial systems, and customer service. The JAIIB exam includes the main subjects: Principles and Practices of Banking, Accounting and Finance for Bankers, and Legal and Regulatory Aspects of Banking. 

What is CAIIB Exam?

The Certified Associate of the Indian Institute of Bankers (CAIIB) is an advanced certification for banking professionals in India. Those who have passed the JAIIB exam and are members of the IIBF can apply for the CAIIB exam. Qualifying for the CAIIB is highly valued in the banking sector and can lead to better job opportunities and career growth. 

JAIIB CAIIB Exam 2025- Overview

The JAIIB CAIIB Exam 2025 is conducted by the Indian Institute of Banking & Finance (IIBF) twice a year. Only candidates who registered for the JAIIB CAIIB exam in the stipulated time frame will be eligible to appear for the JAIIB CAIIB Exam 2025. The exam was conducted in online mode objective-type questions. There is no negative marking in the exam. Know the highlights regarding the exam from the article. 

JAIIB CAIIB Exam 2025- Overview
ParticularsJAIIB Exam 2025CAIIB Exam 2025
Organization NameIndian Institute of Banking & Finance (IIBF)Indian Institute of Banking & Finance (IIBF)
Full FormJunior Associate of the Indian Institute of Bankers (JAIIB )Certified Associate of the Indian Institute of Bankers (CAIIB)
Course Type Flagship Flagship 
FrequencyTwice a YearTwice a Year
SessionMay & NovemberJune & November
EligibilityIIBF Members OnlyJAIIB Certified + IIBF Members
Purpose of ExamHelps in foundational understanding and initial promotionsPrepares for senior roles and specialized functions
Qualifying Marks50 out of 10050 out of 100
Official Websitehttp://www.iibf.org.in/http://www.iibf.org.in/

JAIIB CAIIB Exam 2025 Important Dates

The JAIIB CAIIB Exam 2025 is conducted twice a year in different sessions. The JAIIB exam is conducted in May & November months and the CAIIB exam is conducted in June & November. Only those candidates who registered for the JAIIB CAIIB Exam 2025 can appear for the examination. Candidates can check the important dates from the table below. 

  • The JAIIB Exam for the May session has been sucessfully completed on 4th, 10th, 11th, and 18th of May 2025.
  • The CAIIB Exam for the June session is scheduled for  1st, 14th, 22nd, 28th, and 29th June 2025.
JAIIB CAIIB 2025- Important Dates
EventsJAIIB 2025 CAIIB 2025
Registration Start Date1st August 20252nd September
Online registration Last Date21st August 202522nd September
Admit Card 7 to 10 days before the exam7 to 10 days before the exam
Exam Date 2nd, 8th, 9th, 16th November 202530th November, 7th 13th,
 14th, 21st December 2025

JAIIB CAIIB 2025 Registration Dates

Candidates interested in appearing for the JAIIB and CAIIB 2025 examinations must submit their registration forms within the specified registration dates as announced by the Indian Institute of Banking and Finance (IIBF). 

Registration FeeRegistration Fee (For Oct- Nov Session)Registration Fee (For Nov- Dec Session)
Normal Examination fees1st to 7th August 20252nd to 8th September 2025
Normal Examination fees plus Rs 100/-8th to 14th August 20259th to 25th September 2025
Normal Examination fees plus Rs 200/-15th to 21st August 202516th to 22nd September 2025

Difference Between JAIIB and CAIIB

The JAIIB and CAIIB exams are the flagship programs that aim to enhance bankers’ knowledge while providing promotional benefits. The Key differences between the JAIIB (Junior Associate of the Indian Institute of Bankers) and the CAIIB (Certified Associate of the Indian Institute of Bankers) have been outlined below in the table.  

ParticularsJAIIB Exam 2025CAIIB Exam 2025
Exam Purpose Provide foundational knowledge in bankingAdvanced knowledge in specialized banking areas
Eligibility Bank employees Members of IIBF at the beginning of their careersBank employees who have passed the JAIIB
Exam LevelBasic to intermediateAdvanced/ Professional Level
No. of Papers4 Papers (All compulsory)5 Papers (4 compulsory + 1 elective)
Subjects CoveredIndian Economy & Financial System
Accounting & Financial Management of Banking
Principles & Practices of Banking
Retail Banking & Wealth Management
Advanced Bank Management
Bank Financial Management
Advanced Business & Financial Management
 Banking Regulations and Business Laws +
Elective Papers (Rural Banking, HRM, IT & Digital Banking, Risk Management, Central Banking)
Eligibility Criteriagenerally open to any bank employeeMust have cleared JAIIB
Career ImpactHelps in foundational understanding and initial promotionsPrepares for senior roles and specialized functions
Validity of completionLifetimeLifetime

JAIIB CAIIB 2025 Eligibility Criteria 

Candidates interested in applying for JAIIB CAIIB 2025 should ensure that they fulfill the required eligibility for the exam. Candidates should have banking professionals with membership in the Indian Institute of Banking and Finance (IIBF). Check the eligibility Criteria for the JAIIB and CAIIB exams from here. 

JAIIB Exam

  • Candidates must be members of the Indian Institute of Banking and Finance (IIBF)
  • Candidates have worked (or formerly worked) in a bank/financial institution
  • Candidates should have completed the 12th standard or equivalent. Exceptions may be made for clerical/supervisory staff with the bank manager's recommendation
  • Candidates are allowed a maximum of 5 attempts to clear the examination within a period of 3 years from the date of first registration, whichever is earlier
  • There is no age limit to apply online for the JAIIB exam

CAIIB Exam

  • Candidates must be members of the IIBF. Additionally, they need to have passed the JAIIB examination
  • Candidates must have a minimum of 12th standard pass or equivalent; no additional academic qualification beyond JAIIB
  • Candidates must be currently employed in a bank/financial institution
  • Candidates are allowed a maximum of 5 attempts within a 3-year period from the date of first registration, whichever is earlier
  • No age limit required for the CAIIB exam

JAIIB CAIIB 2025 Application Fee

The application fee for JAIIB and CAIIB in 2025 is determined by the number of attempts. Payment must be made online through debit card, credit card, net banking, UPI, wallet, and other methods. Candidates should ensure that they complete the payment during the registration period to avoid late fee charges.

AttemptsJAIIB ExamCAIIB Exam
1st Attempt FeeRs 4000/- Rs. 5,000/-
2nd Attempt FeeRs 1300/-Rs. 1,300/-
3rd Attempt FeeRs 1300/-Rs. 1,300/-
4th Attempt FeeRs 1300/-Rs. 1,300/-
5th Attempt FeeRs 1300/-Rs. 1,300/-

JAIIB CAIIB Exam Pattern 2025

The JAIIB CAIIB exam is conducted by IIBF twice a year in online mode. Candidates aspiring to appear for the exam should begin their preparation with the JAIIB CAIIB Exam Pattern 2025. The exam pattern helps candidates to know the topics asked in the exam, marking scheme, time duration, no. of questions and etc. 

  • Mode of Exam: Online
  • Language: English or Hindi
  • Type of Questions: Multiple Choice Questions
  • Number of Questions: 100 questions in each Paper
  • Marks: 100 marks for each Paper
  • Negative Marking: No, there will be no negative marking
  • Time Duration: 2 Hours for each Paper

JAIIB Exam Pattern 2025

PapersPapersNo. of QuestionsTotal MarksDuration
Paper-I Indian Economy & Financial System1001002 hours
Paper-IIAccounting & Financial Management of Banking1001002 hours
Paper-IIIPrinciples & Practices of Banking1001002 hours
Paper-IVRetail Banking & Wealth Management1001002 hours

CAIIB Exam Pattern 2025

CAIIB Exam Pattern 2025
PapersNumber of QuestionsMarksDuration
Advanced Bank Management (ABM)1001002 Hours
Bank Financial Management (BFM)1001002 Hours
Advanced Business and Financial Management (ABFM)1001002 Hours
Banking Regulations and Business Laws (BRBL)1001002 Hours
Rural Banking
Human Resource Management
Central Banking
Risk Management
Information Technology and Digital Banking
1001002 Hours
Total50050010 Hours

JAIIB CAIIB Exam Benefits

  • The JAIIB CAIIB Exam improves candidates' Banking Knowledge concepts in banking, finance, and customer service, improving job performance and confidence
  • Passing the JAIIB CAIIB exam, candidates get an increment in their salary as per industry-level settlements
  • Enhances chances for internal promotions and transfers to desired departments (e.g., credit, treasury, forex)
  • It helps employees qualify for managerial and supervisory posts in banks
  • The JAIIB is mandatory for CAIIB and helps build a solid base for higher certifications
Important Links
JAIIB Syllabus & Exam Pattern 2025CAIIB Syllabus 2025 
JAIIB Previous Year Queston PapersCAIIB Exam Pattern 2025
JAIIB CAIIB 2025- FAQs

The Indian Institute of Banking & Finance (IIBF) is responsible for conducting the JAIIB CAIIB exam.

The JAIIB and CAIIB are the flagship courses conducted by IIBF for professionals in the banking and finance sector, particularly for career advancement.

The full form of JAIIB is Junior Associate of the Indian Institute of Bankers.

No, JAIIB and CAIIB are not impossible to crack. It demand the dedication, consistent effort, and a solid understanding of banking concepts.