Checked 6 October 2026. Pattern from IIBF’s JAIIB and CAIIB Rules & Syllabus 2026; mock-test terms from IIBF’s mock-test site, re-read on 6 October 2026. Mock fees and rules can change. Practice-quiz library as live on 6 October 2026. Freshness check on 6 October 2026: IIBF’s homepage notices, JAIIB page, CAIIB page, CAIIB Elective page and Exam Notices page were re-read (IIBF’s own footer showed them last modified on 6 October 2026). The newest JAIIB or CAIIB notice found was dated 03-10-2026.
Searches for “JAIIB previous year question paper” are looking for something IIBF does not publish. We say so first because it changes how you should study. This guide sets out what IIBF’s own rules say about questions, the exam pattern as IIBF prints it, what the official mock test is and is not, and how to use mocks and practice questions without confusing them with past papers. ProSyllabus is not affiliated with IIBF.
Where other pages get this wrong
IIBF does not publish previous-year JAIIB question papers, and its rules say questions and answers will not be shared.
Commonly published instead: PDFs and pages titled “JAIIB previous year question paper”, often with answer keys and “memory-based” in the small print.
IIBF’s JAIIB Rules & Syllabus 2026 says its multiple-choice questions are part of its question bank and intellectual property, and that they and their answers “will not be shared” with candidates, with no correspondence entertained. We found no past-paper page on IIBF’s JAIIB page, rules, schedule or menus on 6 October 2026. Anything circulating is therefore not an IIBF-issued paper. We have not audited any of them, and we do not link to them.
IIBF JAIIB Rules & Syllabus 2026.
The pattern, as IIBF prints it
| Feature | What IIBF’s 2026 rules say |
|---|---|
| Papers | Four: Indian Economy & Indian Financial System; Principles & Practices of Banking; Accounting & Financial Management for Bankers; Retail Banking & Wealth Management |
| Questions | Approximately 100 objective-type multiple-choice questions for 100 marks per paper; IIBF “may however vary the number of questions” |
| Duration | 2 hours per paper |
| Mode | Online only |
| Negative marking | None for wrong answers |
| Medium | Hindi or English, chosen at registration and not changeable later |
| Pass mark | 50 out of 100 per paper, or 45 in each with 50% overall in one attempt |
| Recent-developments cut-off | Rule by exam month: 31 December of the previous year for March-August exams, 30 June for September-February exams |
| Not published | Marks per question, how many questions come from each module, the split of easy and hard questions, or a free model paper (IIBF does sell a paid mock, described below) |
That last row is the point. IIBF tells you the size of the paper and nothing about its internal weights. Many sites print a “weightage” of questions per module; IIBF does not, so we do not either. If you divide 100 questions by the four modules in a paper you get an average of 25, which is our arithmetic and not a published split, and it should not be used to skip a module.
Papers are also not the same as before the syllabus was revised: IIBF’s notice of 30 August 2022 introduced revised syllabi, and a notice of 4 January 2023 deferred negative marking ahead of the first exams on the new pattern. IIBF’s Annual Reports show the JAIIB pass rate falling from 22.79% in 2022-23 to 7.68% in 2023-24, the first full year of the revised syllabus (IIBF gives no cause). A paper from before the revision tests a different syllabus. Our pass-rate guide has the figures.
IIBF Annual Reports 2021-22 to 2025-26. Whole-year figures: two sittings combined. IIBF does not state a cause for the 2023-24 drop.
- Marks booster + cheatsheet: most-asked concepts in 2 lines each, common traps
- Every formula, with worked sums
- Banking law sections and RBI norms
- Common traps that cost marks, listed
- NPA, cheque and recovery-law rules
- Accounting rules for Paper III
Module by module: what each paper covers
Since IIBF will not tell you the weights, the module list is the nearest official map of what a paper can ask. These are the modules from IIBF’s 2026 syllabus; the topic detail under each is in our syllabus and module map.
| Module | Indian Economy & Indian Financial System | Principles & Practices of Banking | Accounting & Financial Management for Bankers | Retail Banking & Wealth Management |
|---|---|---|---|---|
| A | Indian Economic Architecture | General Banking Operations | Accounting Principles and Processes | Retail Banking |
| B | Economic Concepts Related to Banking | Functions of Banks | Financial Statements and Core Banking Systems | Retail Products and Recovery |
| C | Indian Financial Architecture | Banking Technology | Financial Management | Support Services – Marketing of Banking Services/Products |
| D | Financial Products and Services | Ethics in Banks and Financial Institutions | Taxation and Fundamentals of Costing | Wealth Management |
CAIIB papers differ in a few ways that matter if you are preparing beyond JAIIB: they include case studies and caselets, and some CAIIB subjects have numerical questions where the answer is typed in rather than chosen. IIBF’s rules say so for the compulsory papers and for electives. JAIIB’s rules mention neither.
The official mock test: what it is, what it is not
| Term | IIBF’s mock-test site (6 Oct 2026) |
|---|---|
| Courses | JAIIB, DB&F, CAIIB, Certified Credit Officer, Certified Treasury Professional, Risk in Financial Services |
| Format | 100 MCQs per subject, 120 minutes, no negative marks; the answers are submitted automatically at 120 minutes |
| Fee | Rs 100 plus GST per subject, by debit card, credit card or net banking; all four JAIIB subjects would be Rs 400 plus GST (our arithmetic) |
| Validity | Login valid for 3 months from registration |
| Attempts | The visible rules say each subject has a single attempt in the 3 months. The page’s source code also holds a commented-out line saying each mock is valid for two attempts or 3 months; visitors do not see it, so treat one attempt as the rule shown |
| What you see afterwards | Only the candidate’s performance; no answer key or question review is described |
| Electives | Not listed. IIBF’s Annual Report 2025-26 describes the mock facility as covering the compulsory CAIIB subjects |
Two limits follow. First, the mock is a practice paper in IIBF’s format, not a past paper, and IIBF does not say how its questions relate to the real question bank. Second, because only a score is shown, it tells you how you did, not why. Plan to treat it as a timing and stamina check, not a source of explanations. The books’ details and the other IIBF study material are in our books and study-material guide, which also notes that the mock site is paid and runs on a separate Sify site.
See official books, flipbooks and the mock test for what IIBF sells and what it says about it.
- Marks booster + cheatsheet: most-asked concepts in 2 lines each, common traps
- Every formula, with worked sums
- Banking law sections and RBI norms
- Common traps that cost marks, listed
- NPA, cheque and recovery-law rules
- Accounting rules for Paper III
How to use a mock, and what to do with practice questions
These are our suggestions, built on the pattern above rather than on anything IIBF recommends. Use the official mock once per paper, late, when you have finished the four modules of that paper, and do it exactly as the exam runs: 2 hours on a computer, a basic calculator for numerical sections (the allowed type is in our exam-day guide), no notes. With a single attempt, a mock taken early is a wasted one. Afterwards, list the modules in which you lost time or guessed, and go back to the book for those modules only.
Between the mock and the exam, use topic practice rather than past-paper hunting. Accounting & Financial Management is the paper where numerical practice pays most, because it is the paper most affected by working a method repeatedly. A topic quiz is a faster way to find which method you cannot do than a full paper. Our calculator guide lists the chapters and methods that matter.
Practise it, don't just read it
Use topic quizzes to test a method once you have read the module, then use the mock to test the whole paper under time.
The ProSyllabus JAIIB / CAIIB library has ten topic quizzes: Accounting Principles and Entries, Bank Reconciliation and Errors, Depreciation Methods, Financial Statements and Ratios, Cash Flow and Working Capital, Interest and Annuities, Bond Valuation and Yields, Capital Budgeting NPV and IRR, Cost Volume Profit and Break Even and Banking Information Systems and Controls. They are our own practice questions, not IIBF’s, and nine of the ten are accounting and finance topics and one covers banking information systems; there are none yet for the other papers’ topics, such as the economy, banking regulation or retail banking.
Which JAIIB chapters need a calculator and which methods are tested are in our numericals guide.
If you still want past questions
Before trusting any “previous year” JAIIB paper
- Ask for the source. A genuine IIBF paper would carry an IIBF document reference; IIBF says it shares none.
- Check the date against the revised syllabus of 2022. An older paper tests a different syllabus.
- Do not rely on a printed answer key. IIBF does not publish one, so the key is somebody’s opinion; check it against the official book.
- Treat it as a list of topics, never as a preview of the next paper. IIBF’s pattern says the question count can vary.
Our own checklist. IIBF’s statement that questions and answers will not be shared is in its JAIIB Rules & Syllabus 2026.
Frequently asked questions
Does IIBF publish JAIIB previous year question papers?
No. IIBF’s rules say its questions and answers are its intellectual property and will not be shared with candidates. We found no past-paper page on its site on 6 October 2026.
What is the JAIIB exam pattern?
Four papers, each approximately 100 multiple-choice questions for 100 marks, in 2 hours, online, with no negative marking, per IIBF’s 2026 rules. IIBF may vary the number of questions.
Is there negative marking in JAIIB?
No. IIBF’s 2026 rules say there is no negative marking for wrong answers.
Does IIBF have an official mock test for JAIIB?
Yes, on a separate site run for IIBF: 100 questions per subject, 120 minutes, Rs 100 plus GST per subject, valid for 3 months. The site shows your performance, not an answer key.
How many questions come from each module?
IIBF does not publish it. Our average of 25 questions per module in a 100-question paper is arithmetic, not an IIBF weighting.
Are there free JAIIB mock tests?
IIBF’s own mock is paid (Rs 100 plus GST per subject). ProSyllabus has ten topic quizzes for JAIIB / CAIIB; they are our own practice questions, not IIBF papers, and cover only some topics. Check the quiz page for current terms.
More in this series
- JAIIB and CAIIB pass rate by year (IIBF figures)
- CAIIB elective: which one to choose
- JAIIB and CAIIB increments and PQP: pay calculator
- JAIIB and CAIIB attempts, time limit and pass rules
- JAIIB and CAIIB syllabus: every paper and module
- JAIIB and CAIIB exam day rules and debarment
- JAIIB and CAIIB numericals on a basic calculator
- JAIIB and CAIIB result, marksheet and certificate
- IIBF membership for JAIIB and the full cost
- Official JAIIB and CAIIB books, mock test and classes
- After CAIIB: Professional Banker, CFP, Chartered Banker
- JAIIB exam dates, registration and paper-wise schedule
- CAIIB exam dates, registration and elective-wise schedule
- JAIIB and CAIIB result: how to check, pass marks and credits
- JAIIB / CAIIB notice board: official updates
Sources
- official — IIBF — JAIIB Rules & Syllabus 2026
- official — IIBF — CAIIB Rules & Syllabus 2026
- official — IIBF Mock Test site (Sify), rules page re-read 6 Oct 2026
- official — IIBF Mock Test site (run by Sify, linked from IIBF’s menu), checked 29 Sep 2026
- official — IIBF — Notice: JAIIB/DB&F/SOB/CAIIB introduction of revised syllabi (30 Aug 2022)
- official — IIBF — Notice of 04.01.2023 deferring negative marking
- official — IIBF — Annual Report 2025-26
- official — IIBF — Annual Report 2024-25
- official — IIBF — Annual Report 2023-24
- official — IIBF — Annual Report 2022-23
- official — IIBF — Annual Report 2021-22
- official — IIBF — Homepage notices incl. 03-10-2026 (CAIIB registration extended to 8 Oct), 30-09-2026 (JAIIB centre change), 11-09-2026 and 04-08-2026 (results); checked 6 Oct 2026
official = a document published by the conducting body. reported = a news or coaching site we could not check against an original. Where sources disagree this page says so rather than picking one.
