JAIIB Syllabus & Exam Pattern 2022, Download PDF

JAIIB Syllabus 2022: The objective of the JAIIB exam is to provide basic knowledge of banking and financial services. The JAIIB syllabus is the backbone of examination, the syllabus provides clarity and understanding of the exam. JAIIB Syllabus 2022 is vast, so candidates can break the syllabus into small chunks and can divide these chunks into days and weeks. In this way, the humongous syllabus of JAIIB can be completed in a limited period. To make the exam process smoother for aspirants we have mentioned the detailed JAIIB Syllabus 2022 in this article.

JAIIB Syllabus 2022

Junior Associate of Indian Institute of Bankers(JAIIB) is an exam conducted by the Indian Institute of Banking and Finance (IIBF) twice a year for banking and finance professionals to stay ahead in the competition. In the table below, we have summarised the other important details related to the JAIIB exam:

JAIIB Syllabus 2022
Exam conducting Body	Indian Institute of Banking and Finance
Exam Name	JAIIB 2022
Category	Syllabus
Exam Level	National Level
Mode of Exam	Online
Type of Questions	Multiple Choice Questions
No. of Papers	3 Papers
No. of Questions	120 each paper
Selection Process	Computer Based Test
Official Website	www.iibf.org.in

JAIIB Exam Pattern 2022

The JAIIB exam consists of 3 subjects which are Principles and Practices of Banking, Accounting, and Finance for Bankers, Legal and Regulatory Aspects of Banking for which exam is conducted on different dates. The key point of the JAIIB Exam is as follows:

There will be 120 multiple choice type questions will be asked from each subject.
no negative marking for wrong answers.
The maximum duration of 2 hrs will be allotted
JAIIB Examination will be conducted in online mode only
Each subject holds 100 marks

Papers	Papers	No. of Questions	Total Marks	Duration
Paper-I	Principles and Practices of Banking	120	100	2 hours
Paper-II	Accounting and Finance for Bankers	120	100	2 hours
Paper-III	Legal and Regulatory Aspects of Banking	120	100	2 hours

JAIIB 2022 Syllabus

JAIIB exam consists of 3 papers i.e. Principles and Practices of Banking, Accounting and Finance for Bankers, and Legal and Regulatory Aspects of Banking. Each paper is divided into modules. The candidates preparing for JAIIB must prepare all the topics given on the syllabus issued by the Indian Institute of Banking and Finance. The detailed syllabus for all the subjects is given below:

PAPER 1 – Principles & Practices of Banking

The paper-I consists of five Modules, these five Modules are as follows:

Module A- Indian Financial System
Module B- Functions of banks
Module C- Banking Technology
Module D- Support Services - Marketing of Banking Services/ Products
Module E- Ethics in Banks and Financial Institutions

The detailed syllabus of all the five Modules is given below:

PAPER 1 – Principles & Practices of Banking
Chapters	Topics
Module A- Indian Financial System
Indian Financial System- An Overview	Role of RBI Commercial Banks NBFCs, PDs, FIs Cooperative Banks, CRR, SLR Equity & Debt Market
Banking Regulation	Constitution, Objectives, Functions of RBI Tools of Monetary Control Regulatory Restrictions on Lending
Retail Banking, Wholesale and International Banking	Retail Banking- Products, Opportunities Wholesale Banking, Products; International Banking, Requirements of Importers & Exporters, Remittance Services Universal Banking ADRs GDRs Participatory Notes
Role of Money Markets, Debt Markets & Forex Market	Types of Money & Debt Market Instruments including G-Secs ADs, FEMA, LIBOR, MIBOR, etc.
Role and Functions of Capital Markets, SEBI	Overview of Capital Market Stock Exchange Commonly used Terms Types of Capital Issues Financial Products/ Instruments including ASBA, QIP SEBI Registration of Stock Brokers, Sub-brokers, Share Transfer Agents, etc. QIBs.
Factoring, Forfaiting Services, and Off-Balance Sheet items	Types & advantages of Factoring & forfaiting services Types of off-balance sheet items
Risk Management, Basel Accords	Introduction to Risk Management Basel I, II & III Accords
CIBIL, Fair Practices Code for Debt Collection, BCSB	Role and Functions of CIBIL Fair Practices Code for Debt Collection Codes of BCSBI
Recent Developments in the Financial System	Structure, Reforms in the Indian Financial System Recent developments in Money, Debt, Forex Markets Regulatory Framework Payments and Settlement System
Module B - Functions of Banks
Banker Customer Relationship	Types; Different Deposit Products & Services Services to Customers & Investors
KYC/ AML/ CFT norms	PMLA Act KYC Norms
Bankers’ Special Relationship	Mandate; POA Garnishee Orders Banker’s Lien
Consumer Protection - COPRA, Banking Ombudsman Scheme	Operational Aspects of COPRA Act & Banking Ombudsman Scheme
Payment and Collection of Cheques and Other Negotiable Instruments	NI Act; Role & Duties of Paying & Collecting Banks Endorsements; Forged Instruments Bouncing of Cheques Its Implications Return of Cheques Cheque Truncation System
Opening accounts of various types of customers	Operational Aspects of opening and Maintaining Accounts of Different Types of Customers including Aadhaar SB Rate Deregulation
Ancillary Services	Remittances Safe Deposit Lockers Govt. Business EBT
Cash Operations	Cash Management Services and its Importance
Principles of Lending, Working Capital Assessment and Credit Monitoring	Cardinal Principles Non-fund Based Limits WC Term Loans Credit Appraisal Techniques Sources of WC Funds & its Estimation Operating Cycle Projected Net WC Turnover Method Cash Budget Credit Monitoring & Its Management Base Rate
Priority Sector Advances	Targets; Sub-Targets Recent Developments
Agricultural Finance	Types of Agricultural Loans Risk Mitigation in agriculture (NAIS, MSP, etc.)
Micro, Small, and Medium Enterprises	MSMED Act, 2006 Policy Package for MSMEs Performance and Credit Rating Scheme Latest Developments
Government Sponsored Schemes	SGSY, SJSRY, PMRY, SLRS
Self Help Groups	Need for & Functions of SHGs Role of NGOs in Indirect Finance to SHGs SHGs & SGSY Scheme; Capacity Building
Cards, Home Loans, Personal Loans, Consumer Loans	Operational Aspects, Advantages, Disadvantages & Guidelines of Credit Cards Procedure and Practices for Home Loans, Personal Loans and Consumer Loans
Documentation	Types of Documents; Procedure Stamping Securitization
Different Modes of Charging Securities	Assignment; Lien; Set-off; Hypothecation Pledge; Mortgage
Types of collaterals and their characteristics	Land & Buildings; Goods Documents of Title to Goods Advances against Insurance Policies, Shares, Book Debts, Term Deposits, Gold, etc. Supply Bills
Non-Performing Assets	Definition; Income Recognition Asset Classification Provisioning Norms; CDR Financial Inclusion BC; BF Role of ICT in Financial Inclusion, Mobile-based transactions, RSETI
Financial Literacy	Importance of financial literacy Customer awareness
Module C – Banking Technology
Essentials of Bank Computerization	Computer Systems; LANs; WANs UPS; Core Banking
Payment Systems and Electronic Banking	ATMs; HWAK; PIN Electromagnetic Cards Electronic Banking Signature Storage & Retrieval System CTS; Note & Coin Counting Machines Microfiche; NPC; RUPAY
Data Communication Network and EFT systems	Components & Modes of Transmission Major Networks in India Emerging Trends in Communication Networks for Banking Evolution of EFT System; SWIFT Automated Clearing Systems Funds Transfer Systems; Recent Developments in India
Role of Technology Upgradation and its impact on Banks	Trends in Technology Developments Role & Uses of Technology Upgradation; Global Trends Impact of IT on Banks
Security Considerations	Risk Concern Areas Types of Threats Control Mechanism Computer Audit IS Security; IS Audit Evaluation Requirements
Overview of IT Act	Gopalakrishna Committee Recommendations
Preventive Vigilance in Electronic Banking	Phishing; Customer Education Safety Checks; Precautions
Module D – Support Services- Marketing of Banking Services/ Products
Marketing – An Introduction	Concept; Management; Products & Services Marketing Mix; Brand Image
Social Marketing/ Networking	Evolution, Importance & Relevance of Social Marketing/ Networking
Consumer Behavior and Product	Consumer Behavior Product Planning Development, Strategies, etc. CRM
Pricing	Importance, Objectives, Factors, Methods, Strategies of Pricing Bank Pricing
Distribution	Distribution Channels Channels for Banking Services Net Banking Mobile Banking
Channel Management	Meaning, Levels, Dynamics, Advantages
Promotion	Role of Promotion in Marketing; Promotion Mix
Role of Direct Selling Agent/ Direct Marketing Agent in a bank	Definition; Relevance; Banker as DSA/ DMA Delivery Channels in Banks; Benefits
Marketing Information Systems – a longitudinal analysis	Functions & Components of MKIS; MKIS Model; Use of Computers & Decision Models Performance of MKIS; Advantages
Module E – Ethics in Banks and Financial Institutions
Ethics, Business Ethics & Banking: An Integrated Perspective	Business Ethics Ethical Foundation Banking Ethics in Global and Indian Contexts
Ethics at the Individual Level	Values Norms Beliefs Morality Conflict Integrity Golden Rule Dilemmas Decision-Making
Ethical Dimensions: Employees	Obligation to Bank/ Third Parties, Abuse of Official Position Sexual Harassment, Conflict of Interest Fair Accounting Practices, HRM Ethics Employees as Ethics Ambassadors & Managers as Ethical Leaders
Work Ethics and the Workplace	Work Ethics, Benefits of Ethical Behavior Unethical Behavior: Causes and Remedies Code of Ethics Manual, Whistleblowing in Banks Whistleblowing Laws in India
Banking Ethics: Changing Dynamics	Ethics and Technology, Data Security and Privacy Intellectual Property Rights, Patents, and Proprietary Rights Ethics of Information Security Cyber Threats, Digital Rights Management

PAPER 2 – Accounting and Finance for Bankers

Paper-2 consists of four Modules, these four Modules are as follows:

Module A- Business Mathematics and Finance
Module B- Principles of Bookkeeping and Accounting
Module C- Final Accounts
Module D- Banking Operations

the detailed syllabus of all the four Modules of Paper-2 is mentioned below:

PAPER 2 – Accounting and Finance for Bankers
Subjects	Topics
Module A- Business Mathematics and Finance
Calculation of Interest and Annuities	Calculation of Simple Interest & Compound Interest Calculation of Equated Monthly Instalments Fixed and Floating Interest Rates Calculation of Annuities; Interest Calculation using Products/ Balances Amortization of a Debt; Sinking Funds
Calculation of YTM	Debt- Definition, Meaning & Salient Features Loans; Introduction to Bonds; Terms associated with Bonds Cost of Debt Capital; Bond value with semi-annual Interest Current Yield on Bond Calculation of Yield-to- Maturity of Bond Theorems for Bond Value; Duration of Bond Properties of Duration; Bond Price Volatility
Capital Budgeting	Present Value and Discounting Discounted Technique for Investment Appraisal Internal Rate of Return (IRR) Method of Investment Appraisal NPV and IRR compared Investment Opportunities with Capital Rationng Investment Decision making under condition of uncertainty Expected NPV Rule Risk Adjusted Discount Rate Approach for NPV Determination Sensitivity Analysis for NPV Determination Decision Tree Analysis for NPV Estimation Payback Methods; ARR
Depreciation and its Accounting	Depreciation, its types and methods Comparing Depreciation Methods
Foreign Exchange Arithmetic	Fundamentals of Foreign Exchange Forex Markets; Direct and Indirect Quote Some Basic Exchange Rate Arithmetic – Cross Rate, Chain Rule, Value date, etc. Forward Exchange Rates – Forward Points Arbitrage; Calculating Forward Points; Premium/ discount; etc.
Module B – Principles of Bookkeeping and Accounting
Definition, Scope, and Accounting Standards	Nature and Purpose of Accounting; Historical Perspectives; Origins of Accounting Principles Accounting Standards in India and its Definition and Scope; Generally Accepted Accounting Principles of USA (US GAAP) Transfer Pricing; Overview of IFRS; Difference between GAAP & IFRS
Basic Accountancy Procedures	Concepts of Accountancy Going Concern Entity; Double Entry System Principle of Conservatism Revenue Recognition and Realization Accrual and Cash Basis
Maintenance of Cash/ Subsidiary Books and Ledger	Record Keeping Basics; Account Categories Debit and Credit Concepts Accounting and Columnar Accounting Mechanics; Journals Ledgers; subsidiary books; etc.
Bank Reconciliation Statement	Need for Bank Reconciliation Causes of Differences Preparation of Bank Reconciliation Statement How to prepare a Bank Reconciliation Statement when Extracts of Cash Book and Pass Book are given Adjusting the Cash Book Balance Advantages of Bank Reconciliation Statement
Trial Balance, Rectification of Errors, and Adjusting & Closing Entries	Meaning of a Trial Balance; Features and Purpose of a Trial Balance Types of Trial Balance and Preparation of a Trial Balance Disagreement of a Trial Balance; Classification of Errors Location of Errors; Rectification of Errors Suspense Account and Rectification Rectification of Errors when Books are closed Adjusting and Closing Entries
Capital and Revenue Expenditure	Expenditure; Distinction between Capital and Revenue Expenditure Deferred Revenue Expenditure; Receipts General Illustrations
Bills of Exchange	Types of Instruments of Credit Term and Due Date of a Bill Certain Important Terms Accounting Entries to be Passed Accommodation Bill etc
Module C – Final Accounts
Balance Sheet Equation	Balance Sheet Equation Computation of Balance Sheet Equation
Preparation of Final Accounts	Preparation of Trading A/C Profit and Loss A/C; Profit & Loss Appropriation Account Balance Sheets
Ratio Analysis	Meaning of Accounting Ratios; Classification of Ratios Uses of Accounting Ratios Limitations of Accounting Ratios Calculation and interpretation of various Ratios Different Users and their Use of Ratios
Final Accounts of Banking Companies	Definition and Functions of a Bank; Requirements of Banking Companies as to Accounts and Audit Significant Features of Accounting Systems of Banks; Principal Books of Accounts Preparation and Presentation of Financial Statements of Banks; CMA Format; Accounting Treatment of Specific Items Preparation of Profit and Loss Account Comments on Profit and Loss Account Important Items of Balance Sheets Disclosure Requirements of Banks Additional Disclosures prescribed by RBI Disclosures are required under BASEL norms
Company Accounts I & II	Definition and Types of Companies Distinction between Partnership and Limited Liability Company Classes of Share Capital Issue of Shares; General Illustrations Non-Voting Shares Form of Balance Sheet; Legal Requirements for Assets Legal Requirements for Liabilities; Legal Requirements for Profit & Loss A/c; Preparation of Final Accounts
Accounting in a Computerized Environment	Meaning, features of and terms used in Computerized Accounting; Difference between Computerized and Manual Accounting Advantages and Disadvantages of Computerized Accounting Functions performed by Computerized Accounting Softwares available in the Market Computerization – Scope and Experiences in Banking The Core Banking ComponentsInformation Security Internet and World Wide Web – Influences on Banking
Module D – Banking Operations
Banking Operations & Accounting Functions	Preparation of Vouchers, cash receipt and payment entries, clearing inward and outward entries Transfer debit and credit entries What is KYC and what are the different documents to satisfy KYC Verify KYC and authenticity of documents Operational aspects in regard to the opening of all types of accounts Scrutiny of loan applications/ documents, allowing withdrawals and accounting entries involved at various stages Operational aspects of CBS environment etc. Back office operations in banks, handling of unreconciled entries in banks

PAPER 3 – Legal and Regulatory Aspects of Banking

The paper-3, Legal and Regulatory Aspects of Banking consists of four Modules, these Modules are as follows:

Module A-Regulations and Compliance
Module B- Legal Aspects of Banking and Operations
Module C- Banking Related Laws
Module D- Commercial Laws with respect to Baking Operations

The detailed syllabus of all four Modules is given below:

PAPER 3 – Legal and Regulatory Aspects of Banking
Subjects	Topics
Module A-Regulations and Compliance
Legal Framework of Regulation of Banks	Business of Banking; Constitution of Banks; RBI Act, 1934; Banking Regulation Act, 1949 Role of RBI; Govt. as a Regulator of Banks; Control over Co-operative Banks; Regulation by other Authorities
Control over Organization of Banks	Licensing of Banking Companies; Branch Licensing; Paid up Capital and Reserves Shareholding in Banking Companies Subsidiaries of Banking Companies; Board of Directors Chairman of Banking Company Appointment of Additional Directors; Restrictions on Employment; Control over Management; Corporate Governance Directors and Corporate Governance
Regulation of Banking Business	Power of RBI to Issue Directions; Acceptance of Deposits; Nomination; Loans and Advances Regulation of Interest Rate; Regulation of Payment Systems; Internet Banking Guidelines Regulation of Money Market Instruments; Banking Ombudsman; Reserve Funds Maintenance of CRR, SLR; Assets in India
Returns Inspection, Winding up, Mergers & Acquisitions	Annual Accounts & Balance Sheet; Audit & Auditors Submission of Returns; Preservation of Records and Return of Paid Instruments; Inspection and Scrutiny; Board for Financial Supervision; Acquisition of Undertakings Amalgamation of Banks; Winding up of Banks Penalties for offences
Public Sector Banks and Co-operative Banks	SBI and its Subsidiaries; Regional Rural Banks Nationalized Banks; Application of BR Act to Public Sector Banks Disinvestment of Shares by Govt.; Co-operative Banks
Financial Sector Legislative Reforms	Need, Approach for Financial Sector Legislative Reforms; Important Reforms
Recent Legislative Changes in RBI Act	Recent Legislative Changes in RBI Act, Need thereof
Financial Sector Development Council	Role and Functions of Financial Sector Development Council
Module B- Legal Aspects of Banking and Operations
Different Types of Borrowers	Types of Borrowers; Limited Liability Partnership
Types of Credit Facilities	Cash Credit Overdraft Demand Loans Term Loans Bill Finance
Secured and Unsecured Loans, Registration of Firms and Incorporation of Companies	Definition of Secured and Unsecured loans; Need for Secured Loans; Registration of Firms Consequences of Non-registration of Firms; Incorporation of a Company
Indemnities	Definition of Contract of Indemnity; Features of Indemnity Contract & Guarantee Scope and Application of Indemnity Contracts to Banks Obligations of a Banker; Precaution & Rights of an Indemnity Holder
Bank Guarantees	Definition and Types of Bank Guarantees Banker’s Duty to Honor Guarantee; Precautions to be taken for Issuance of Bank Guarantee Precautions to be taken for Payment under Bank Guarantee; Invocation & Enforcement
Letters of Credit	General Considerations of Letters of credit; Parties to a Letter of credit; Types of Letters of credit Documents under a Letter of credit UCPDC 600; Banks obligation for payment of Letter of credit
Deferred Payment Guarantees	Purpose of DPGs; Methods of Payment
Laws Relating to Bill Finance	Class of Bills and Laws Governing Bills Classification of Bills Categories of Bill Finance Bill Finance and Legal Position of Banker
Various Types of Securities	Types of Securities; Escrow Arrangements; Trust and Retention Arrangements
Laws Relating to Securities and Modes of Charging – I	Mortgage; Types of Mortgage; Enforcement of Mortgages
Laws Relating to Securities and Modes of Charging – II	Lien; Pledge; Hypothecation; etc.
Registration and Satisfaction of Charges	Definition of Charge; Procedure for Registration of Charge; Effect of Non-registration of Charges Provisions of Law relating to Registration of Charges
Case Laws on Responsibility of Paying Bank	Negotiable Instruments Act and Paying Banks Liability of Paying Banker; Payment in due course; Payment in Good Faith; Whether Payment under Mistake Recoverable
Case Laws on Responsibility of Collecting Bank	Statutory protection to Collecting Bank; Duties of Collecting Bank
Module C – Banking Related Laws
Recovery of Debts due to Banks and Financial Institutions Act, 1993(DRT Act)	Objective of the Act, Constitution of Tribunal, Procedure to be followed, Enforcement process
Securitisation and Reconstruction of Financial Assets and Enforcement of Securities Interest Act (SARFAESI)	Constitutional Validity Definitions; Regulation & Reconstruction Enforcement of Security Interest Central Registry Offences & Penalties; Miscellaneous Provisions
Banking Ombudsmen Scheme	Purpose; Extent; Definitions; Establishment; Powers; Procedure for Redressal Grievance
Bankers Books Evidence Act, 1891	Applicability; Definition; Important Provisions
The Legal Services Authorities Act, 1987	Lok Adalats- Organization; Jurisdiction; Disposal of Cases, Awards
The Consumer Protection Act, 1986 and CERSAI	Preamble, Extent & Definitions; Consumer Protection Councils; Consumer Disputes Redressal Agencies Objectives and important provisions of Central Registry of Securitisation Asset Reconstruction and Security Interest of India
The Law of Limitation	Definition; Computation of Limitation Important Provisions in a schedule to the Limitation Act
Tax Laws	Income Tax; Commodity Transaction Tax Service Tax
Negotiable Instruments Act, 1881	Applicability; Definition; Important Provisions
Payment & Settlements Systems Act, 2007	Applicability; Definition; Important Provisions
Module D – Commercial Laws with Reference to Banking Operations
Indian Contract Act, 1872	Meaning and essentials of contract Contract of Indemnity & Rights of Indemnity Holder Contract of Guarantee; Contract of Bailment Contract of Pledge; Contract of Agency
The Sale of Goods Act, 1930	Features; Sale & Agreement to Sell Conditions and Warranties; Express & Implied; Rights of Unpaid Seller
Indian Partnership Act, 1932	Definition & Types of Partnerships Relation of partners to one another & to third Parties Minor admitted to benefits of partnership; Dissolution of a firm; Effect of non registration Limited liability partnerships formation, registration, rights and liabilities of partners
Definition and features of a company	Distinction between Company and Partnership
The Companies Act, 1956 (Now Companies Act, 2013)	Definition, Features & Types of companies; Memorandum and Articles of Association The doctrine of Ultra Vires, Constructive Notice, Indoor Management Membership of CompanyAcquisition, Cessation, Register, Rights & Duties of Members, Prospectus; Directors Winding up of Companies
Foreign Exchange Management Act, 1999	Important Terms; Powers of RBI, Regulation, and Management Directorate of Enforcement
Transfer of Property Act, 1882	Sale, Mortgage of Immovable Property Types of Mortgages Sale with and without court intervention Lease of Immovable Property
The Right to Information Act, 2005	Applicability; Definition; Important Provisions
Right to Information and Obligation of Public Authorities	Obligations; Procedure; Disposal; Appeal; Orders; Penalties
The Prevention of Money Laundering Act, 2002	Obligations; Records to be Maintained; Procedure for Maintaining & Furnishing Information Maintenance & Verifications of Records of Identity of Clients
Information Technology Act, 2000	Definitions; Electronic Governance Certifying Authorities; Digital Signature Certificates Penalties; Appeal

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JAIIB Syllabus 2022- FAQs

Ans. The minimum marks to pass a subject in JAIIB are 50 out of 100.

Ans. The detailed syllabus of JAIIB 2022 is given on this page. Go through the entire syllabus and bookmark this page for reference.

Ans. You can start your preparation for JAIIB 2022 exam by the syllabus given on this page. Refer to the syllabus and prepare each topic in detail.

Ans. Yes, JAIIB is one of the toughest exams. The vast syllabus of JAIIB made this exam tough, but with the proper strategy, anyone can pass this exam with flying colors.

JAIIB Syllabus 2022, Detailed Exam Pattern & Download Syllabus PDF