JAIIB / CAIIB (IIBF)

IIBF-conducted Junior / Certified Associate Institute of Bankers banking certifications. Standard credential for officer-cadre advancement in Indian PSBs. JAIIB has 4 compulsory papers; CAIIB has 4 compulsory + 1 elective.

IIBF official JAIIB / CAIIB examination resources (study material, mock tests via IIBF login).

Past papers archive

Official 2023 syllabus extracted from https://www.iibf.org.in/documents/pdf/JAIIB%20CAIIB%20Revised%20Syllabus%20-%20Web%20Notice.pdf

JAIIB Paper I: Indian Economy & Indian Financial System (IE&IFS)

Structure of Indian economy

Sectoral composition

Economic planning in India

Niti Aayog

Indian economic reforms

Globalisation and Indian economy

Module A — Indian Economic Architecture

Inflation: causes and measures

Monetary policy transmission

Money supply

Interest rate determination

Repo and reverse repo

CRR & SLR

Module B — Economic Concepts Related to Banking

RBI: role and functions

Commercial banks

NBFCs

Cooperative banks

Insurance & pension sector

Capital markets (SEBI, NSE, BSE)

Money markets

Module C — Indian Financial Architecture

Deposit products

Loan products

Mutual funds

Insurance products

Pension products

Digital banking products

Module D — Financial Products and Services

JAIIB Paper II: Principles & Practices of Banking (PPB)

Banker–customer relationship

Types of customers and accounts

KYC norms

AML guidelines

BSBDA & PMJDY

Negotiable Instruments Act

Module A — General Banking Operations

Principles of lending

Loan documentation

Securities and modes of charge

Priority sector lending

NPA classification

SARFAESI Act

Module B — Lending Operations of Banks

Core Banking System (CBS)

Payment systems (RTGS, NEFT, IMPS, UPI)

Internet & mobile banking

POS & ATMs

Cyber security in banks

Module C — Banking Technology

Banking ethics framework

Code of conduct

Whistleblower policy

Customer rights and grievance redressal

Banking Ombudsman Scheme

Module D — Ethics in Banks & Financial Institutions

JAIIB Paper III: Accounting & Financial Management for Bankers (AFM)

Accounting concepts and conventions

Double entry system

Subsidiary books

Ledger and trial balance

Final accounts

Depreciation accounting

Module A — Accounting Principles and Processes

Bank P&L and balance sheet

Cash flow statement

Ratios for banking

Reconciliation in CBS

Reading bank financial statements

Module B — Financial Statements & Core Banking Systems

Time value of money

Working capital management

Capital budgeting basics

Cost of capital

Leverage

Module C — Financial Management

Income tax basics for individuals

TDS on bank transactions

GST basics

Cost concepts

Marginal costing

Module D — Taxation and Fundamentals of Costing

JAIIB Paper IV: Retail Banking & Wealth Management (RBWM)

Definition and scope

Retail vs corporate banking

Retail banking products overview

Customer segmentation

Module A — Introduction to Retail Banking

Home loans

Auto loans

Personal loans

Credit cards

Education loans

Recovery and collections

Module B — Retail Products and Recovery

Distribution channels

CRM in retail banking

Cross-selling and up-selling

Service quality

Module C — Support Services & Marketing of Services

Investment planning

Insurance planning

Tax planning

Retirement planning

Estate planning

Mutual fund advisory

Module D — Wealth Management

CAIIB Paper I: Advanced Bank Management (ABM)

Sampling methods

Hypothesis testing

Correlation and regression

Time series analysis

Probability distributions

Module A — Statistics

HR planning

Performance management

Training & development

Compensation

Industrial relations

Module B — Human Resource Management

Credit appraisal

Working capital assessment

Project finance

Term loan appraisal

Credit monitoring

Module C — Credit Management

Compliance framework

Risk-based supervision

Corporate governance code

Audit and inspection

Module D — Compliance in Banks & Corporate Governance

CAIIB Paper II: Bank Financial Management (BFM)

Foreign exchange basics

FEMA framework

Exchange rate determination

Forward contracts

Documentary credits

FEDAI rules

Module A — International Banking

Risk categories: credit, market, operational, liquidity

Basel III framework

Capital adequacy

Stress testing

Module B — Risk Management

Treasury organisation

Money market instruments

Government securities market

Derivatives in treasury

Module C — Treasury Management

Asset Liability Management

Interest rate risk

Liquidity management

Transfer pricing

Module D — Balance Sheet Management

CAIIB Paper III: Advanced Business & Financial Management (ABFM)

Strategic management

Marketing management

Operations management

Module A — Management Process

Capital structure decisions

Dividend policy

Valuation

Restructuring

Module B — Advanced Financial Management

Enterprise risk management

Operational risk frameworks

Business continuity planning

Module C — Business Risk Management

Fintech overview

Blockchain in banking

Behavioral finance concepts

Module D — Digital & Behavioral Finance

CAIIB Paper IV: Banking Regulations & Business Laws (BRBL)

RBI Act 1934

Banking Regulation Act 1949

PSB Bank Nationalisation Act

Customer service guidelines

Module A — Regulations and Compliance

Negotiable Instruments Act 1881

Indian Contract Act 1872

Sale of Goods Act 1930

Indemnity & Guarantee

Bailment & Pledge

Module B — Important Acts (Part A)

Companies Act 2013 (banking-relevant provisions)

Limitation Act

IBC 2016

SARFAESI Act 2002

DRT Act

Module C — Important Acts (Part B)

Recovery laws

Banker's lien

Right of set-off

Garnishee orders

Money laundering laws (PMLA)

Module D — Legal Aspects of Banking Operations

JAIIB / CAIIB (IIBF) Group Discussion

JAIIB / CAIIB (IIBF) — Group Discussion