JAIIB CAIIB Exams 2026: Overview, Schedule, Eligibility, Benefits, Pattern
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JAIIB and CAIIB Exams 2026 are flagship professional certification examinations conducted by the Indian Institute of Banking & Finance (IIBF) for banking and finance professionals aiming to enhance their knowledge, skills, and career growth. 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. Qualifying for JAIIB and CAIIB not only strengthens conceptual understanding but also offers benefits such as salary increments, promotions, and greater professional recognition within the banking sector.
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 and CAIIB Exams 2026 - Overview
The JAIIB CAIIB Exam 2026 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 2026. The exam was conducted in online mode with objective-type questions. There is no negative marking in the exam. Know the highlights regarding the exam from the article.
| JAIIB CAIIB Exam 2026- Overview | ||
| Particulars | JAIIB Exam 2026 | CAIIB Exam 2026 |
| Organization Name | Indian Institute of Banking & Finance (IIBF) | Indian Institute of Banking & Finance (IIBF) |
| Full Form | Junior Associate of the Indian Institute of Bankers (JAIIB ) | Certified Associate of the Indian Institute of Bankers (CAIIB) |
| Course Type | Flagship | Flagship |
| Frequency | Twice a Year | Twice a Year |
| Session | May & November | June & November |
| Eligibility | IIBF Members Only | JAIIB Certified + IIBF Members |
| Purpose of Exam | Helps in foundational understanding and initial promotions | Prepares for senior roles and specialized functions |
| Qualifying Marks | 50 out of 100 | 50 out of 100 |
| Official Website | http://www.iibf.org.in/ | http://www.iibf.org.in/ |
JAIIB and CAIIB Exams 2026- Important Dates
The JAIIB CAIIB Exam 2026 is conducted twice a year in different sessions. The JAIIB exam is conducted in May & November, and the CAIIB exam is conducted in June & November. Only those candidates who registered for the JAIIB and CAIIB Exams 2026 can appear for the examination. Candidates can check the important dates from the table below.
| JAIIB CAIIB 2026- Important Dates | ||
| Events | JAIIB 2026 | CAIIB 2026 |
| Registration Start Date | May 2026 | May 2026 |
| Online registration Last Date | -- | -- |
| Admit Card | -- | -- |
| Exam Date | -- | -- |
JAIIB CAIIB 2026 Registration Dates
Candidates interested in appearing for the JAIIB and CAIIB 2026 examinations must submit their registration forms within the specified registration dates as announced by the Indian Institute of Banking and Finance (IIBF).
| Registration Fee | Registration Fee (For Oct- Nov Session) | Registration Fee (For Nov- Dec Session) |
| Normal Examination fees | August 2026 | September 2026 |
| Normal Examination fees plus Rs 100/- | -- | -- |
| Normal Examination fees plus Rs 200/- | -- | -- |
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.
| Particulars | JAIIB Exam 2026 | CAIIB Exam 2026 |
| Exam Purpose | Provide foundational knowledge in banking | Advanced knowledge in specialized banking areas |
| Eligibility | Bank employees Members of IIBF at the beginning of their careers | Bank employees who have passed the JAIIB |
| Exam Level | Basic to intermediate | Advanced/ Professional Level |
| No. of Papers | 4 Papers (All compulsory) | 5 Papers (4 compulsory + 1 elective) |
| Subjects Covered | Indian 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 Criteria | generally open to any bank employee | Must have cleared JAIIB |
| Career Impact | Helps in foundational understanding and initial promotions | Prepares for senior roles and specialized functions |
| Validity of completion | Lifetime | Lifetime |
JAIIB CAIIB 2026 Eligibility Criteria
Candidates interested in applying for JAIIB CAIIB 2026 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 2026 Application Fee
The application fee for JAIIB and CAIIB in 2026 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.
| Attempts | JAIIB Exam | CAIIB Exam |
| 1st Attempt Fee | Rs 4000/- | Rs. 5,000/- |
| 2nd Attempt Fee | Rs 1300/- | Rs. 1,300/- |
| 3rd Attempt Fee | Rs 1300/- | Rs. 1,300/- |
| 4th Attempt Fee | Rs 1300/- | Rs. 1,300/- |
| 5th Attempt Fee | Rs 1300/- | Rs. 1,300/- |
JAIIB and CAIIB Exam Pattern 2026
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 2026. The exam pattern helps candidates to know the topics asked in the exam, the marking scheme, time duration, the number of questions, 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 2026
| Papers | Papers | No. of Questions | Total Marks | Duration |
| Paper-I | Indian Economy & Financial System | 100 | 100 | 2 hours |
| Paper-II | Accounting & Financial Management of Banking | 100 | 100 | 2 hours |
| Paper-III | Principles & Practices of Banking | 100 | 100 | 2 hours |
| Paper-IV | Retail Banking & Wealth Management | 100 | 100 | 2 hours |
CAIIB Exam Pattern 2026
| CAIIB Exam Pattern 2026 | |||
| Papers | Number of Questions | Marks | Duration |
| Advanced Bank Management (ABM) | 100 | 100 | 2 Hours |
| Bank Financial Management (BFM) | 100 | 100 | 2 Hours |
| Advanced Business and Financial Management (ABFM) | 100 | 100 | 2 Hours |
| Banking Regulations and Business Laws (BRBL) | 100 | 100 | 2 Hours |
| Rural Banking Human Resource Management Central Banking Risk Management Information Technology and Digital Banking | 100 | 100 | 2 Hours |
| Total | 500 | 500 | 10 Hours |
JAIIB and CAIIB Exams 2026 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