JAIIB 2024 Syllabus : Exam Pattern, Study Materials PDF Download Here

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JAIIB 2024 Syllabus: The Indian Institute Of Banking & Finance (IIBF) is ready to conduct the exam of Junior Associate of Indian Institute of Banker (JAIIB 2024). So those candidates who are interested can check the detailed JAIIB Syllabus 2024.

After JAIIB Registration we know that you will search for study materials and that’s why we have prepared this article and also a seprate article for Sample Papers. The syllabus helps the candidate to know the chapter which will come in the exam. So we are providing here the detailed syllabus along with exam pattern. Candidates can check the JAIIB Exam Syllabus below.

JAIIB Exam Pattern

The IIBF JAIIB Exam Pattern is given below.

The question paper consists of 120 MCQs (approx) for 100 marks including the question based on case studies.
The mode of examination is online.
No negative marking is there for the wrong answer.
Duration of the exam is 2 hrs

Latest IIBF JAIIB Syllabus

The detailed syllabus of JAIIB Syllabus is as follows:

Principles and Practice Of Banking

Module A: Indian Financial System

Name Of the Unit	Contents
Indian Financial System- An Overview	Role Of RBI PDs SLR NBFCs Commercial Banks Equity & Debt Market CRR Cooperative Bank IRDA FIs
Banking Regulation	Constitution Functions of RBI Lending Tools of Monetary Control Objectives Regulatory Restrictions on
Retail Banking, Wholesale and International Banking	Requirements of importers & exporters, Remittance services Retail Banking: Products, Opportunities International Banking, Universal Banking ADRs GDRs Wholesale banking, Products Participatory Notes
Role of money market, Debt Markets & Forex Market	Ads, FEMA, LIBOR, MIBOR etc Types of Money & Debt market Instruments including G-secs
Role and Functions of capital Markets, SEBI	Overview of capital market Commonly used terms Financial Products/ Instruments including ASBA, QIP SEBI Stock Exchange Registration of stock brokers, Sub-brokers, Share transfer agents etc QBIs Types of capital issues
Factoring, Forfaiting Services and Off-Balance Sheet items	Types of off-balance sheet items Types & advantage of factoring & forfeiting services
CIBIL, Fair Practices code for Debt Collection, BCSBI	Codes of BCSBI Role and Functions of CIBIL Fair practices code for Debt Collection
Recent Developments in the Financial System	Structure, Reforms in the Indian Financial System Payments and Settlement system Recent developments in Money, Debt, Forex markets Regulatory Framework

Module B: Functions of Bank

Name Of the Unit	Contents
Banker-Customer Relationship	Types Services to customers & Investors Different Deposit Products & Services
KYC/AML/ CFT norms	PMLA Act KYC Norms
Bankers Special Relationship	Mandate Bankers Lien POA Right of Set off Garnishee Orders
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 Return of Cheques Roles & Duties of Paying & Collecting banks Endorsements Cheque transaction system Forged Instruments Bouncing of Cheques; Its Implications
Operating 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	EBT Remittances Govt. business Safe Deposit Lockers
Cash Operations	Cash management services and its importance
Principles of Lending, Working capital Assessment and credit monitoring	Cardinal Principles Credit Appraisal Techniques WC Terms Loans Operating Cycle Sources of WC Funds & its Estimation Projected Net WC Turnover Method Cash Budget Credit Monitoring & its management Non-fund based limits Base Rate
Priority Sector Advances	Targets Recent Developments Sub-Targets
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 Latest Developments Performance and Credit Rating Scheme
Government Sponsored Schemes	SJSRY SLRS SGSY PMRY
Self Help Groups	Need for & Functions of SHGs SHGs & SGSY scheme Role of NGOs in indirect finance to SHGs Capacity Building
Credit cards, Home Loans, Personal loans, consumer loans	Operational Aspects, Advantage, Disadvantages & guidelines of credit cards Personal Loans and consumer loans Procedure and Practises for Home loans
Documentation	Types of Documents Securitisation Procedure Stamping
Different modes of charging securities	Assignment Lien Pledge Mortgage Set-off Hypothecation
Types of collaterals and their characteristics	Land & Buildings Documents of title to goods Goods Advances against insurance policies, Shares, Book debts, Term deposits, Gold etc
Non Performing Assets	Definition Income Recognition Provisioning Norms CDR Assest Classification
Financial Inclusion	BC Mobile based transaction R SETI Role of ICT in financial inclusion BF

Module C: Banking Technology

Name Of Unit	Name Of Content
Essentials of Bank Computerization	LANs WANs UPS Computer systems Core Banking
Payment Systems and Electronic Banking	ATMs HWAK PIN Electromagnetic cards Electronic Banking Note & Coin Counting Machines Microfiche NPC RUPAY Signature storage & Retrieval System CTS
Data Communication Network and EFT systems	Components & Modes of transmission Automated clearing systems SWIFT Major networks in India Funds transfer systems Emerging trends in communication networks for banking Evolution of EFT system Recent developments in India
Role of Technology upgradation and its impact on Banks	Role & uses of technology upgradation Impact of IT on Banks Trends in technology developments Global trends
Security considerations	Risk concern areas Types of threats IS security Control mechanism IS Audit Computer audit Evaluation requirements
Overview of IT Act	Gopalakrishna committee recommendations
Preventive vigilance in Electronic banking	Phishing Customer Education Precautions Safety checks

Module D: Support Services- Marketing of banking Services/ Products

Name of Unit	Name Of Content
Marketing- An Introduction	Concept Marketing Mix Products & Services Brand Image Management
Social Marketing/ Networking	Importance & Relevance of social marketing/ networking Evolution
Consumer Behavior and Product	Consumer Behavior Product planning CRM Development Strategies etc
Pricing	Importance, Objectives, Factors, Methods, Strategies of Pricing Bank Pricing
Distribution	Distribution channels Mobile banking Channels for banking services Net 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 Benefits Banker as DSA/ DMA Relevance Delivery Channels in Banks
Marketing information systems- a longitudinal analysis	MKIS model Performance of MKIS Use of computers & Decision models Advantage Functions & Components of MKIS

Accounting & Finance for Bankers

Module A: Business Mathematics & Finance

Name Of Unit	Name Of Topics
Calculation of Interest and Annuities	Sinking Funds Calculation of SI/ CI Fixed and floating interest rates Interest calculation using products/ balances Calculation of equated monthly installments Calculation of Annuities Sinking funds Amortisation of a debt
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 ARR 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 Forward Exchange Rates – Forward Points Direct and Indirect Quote Arbitrage Calculating Forward Points Premium/discount Some Basic Exchange Rate Arithmetic – Cross Rate, Chain Rule, Value date, etc.

Module B : Principles of Bookkeeping & Accountancy

Name Of Chapter	Name Of Topic
Definition, Scope and Accounting Standards	Nature and Purpose of Accounting Accounting Standards in India and its Definition and Scope Generally Accepted Accounting Principles of USA (US GAAP) Transfer Pricing Overview of IFRS Origins of Accounting Principles Difference between GAAP & IFRS. Historical Perspectives
Basic Accountancy Procedures	Concepts of Accountancy Revenue Recognition and Realisation Entity Going Concern Entity Accrual and Cash Basis. Double Entry System Principle of Conservatism
Maintenance of Cash/ Subsidiary Books And Ledger	Record Keeping Basics Debit and Credit Concepts Journals Ledgers Account Categories subsidiary books etc. Accounting and Columnar Accounting Mechanics
Bank Reconciliation Statement	Need for Bank Reconciliation Adjusting the Cash Book Balance Causes of Differences Preparation of Bank Reconciliation Statement Advantages of Bank Reconciliation Statement How to prepare a Bank Reconciliation Statement when Extracts of Cash Book and Pass Book are given
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 Error 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

Name Of Chapter	Name of Topics
Balance sheet equation	Computation of Balance Sheet Equation. Balance Sheet Equation
Preparation of Final Accounts	Preparation of Trading A/C Profit and Loss A/C Balance Sheets Profit & Loss Appropriation Account
Ratio Analysis	Meaning of Accounting Ratios Limitations of Accounting Ratios Uses of Accounting Ratios Calculation and interpretation of various Ratios Different Users and their Use of Ratios. Classification 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 Additional Disclosures prescribed by RBI Accounting Treatment of Specific Items Preparation of Profit and Loss Account Comments on Profit and Loss Account Important Items of Balance Sheet Disclosure Requirements of Banks Disclosures required under BASEL norms.
Company Accounts I & II	Definition and Types of Companies Classes of Share Capital Issue of Shares Form of Balance Sheet Legal Requirements for Assets General Illustrations Non-voting Shares Legal Requirements for Liabilities Distinction between Partnership and Limited Liability Company Preparation of Final Accounts Legal Requirements for Profit & Loss A/c
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 Components Information Security Internet and World Wide Web – Influences on Banking

Module D

Banking Operations

Banking Operations & Accounting Functions

Legal And Regulatory Aspects of Banking

Module No.	Name of the module	Name Of the Unit in the Module
A	Regulations and Compliance	Legal Framework of Regulation of Banks
		Control Over Organization of Banks
		Regulation of Banking Business
		Returns Inspection, Winding up, Mergers & Acquisitions
		Public Sector Banks and Cooperative Banks
		Financial Sector Legislative Reforms
		Recent Legislative Changes in RBI Act
		Financial Sector Development Council
B	Legal aspects of Banking Operations	Different Types of Borrowers
		Types of Credit Facilities
		Secured and Unsecured Loans, Registration of Firms and Incorporation of Companies
		Indemnities
		Bank Guarantees
		Letters of Credit
		Deferred Payment Guarantees
		Laws Relating to Bill Finance
		Various Types of Securities
		Laws Relating to Securities and Modes of Charging – I
		Laws Relating to Securities and Modes of Charging – II
		Registration and Satisfaction of Charges
		Case Laws on Responsibility of Paying Bank
		Case Laws on Responsibility of Collecting Bank
C	Banking Related Laws	Recovery of Debts due to Banks and Financial Institutions Act, 1993(DRT Act)
		Securitization and Reconstruction of Financial Assets and Enforcement of Securities Interest Act (SARFAESI)
		Banking Ombudsmen Scheme
		Bankers Books Evidence Act, 1891
		The Legal Services Authorities Act, 1987
		The Consumer Protection Act, 1986 and CERSAI
		The Law Of Limitation
		Tax Laws
		Negotiable Instruments Act, 1881
		Payment & Settlements Systems Act, 2007
D	Commercial Laws with reference to Banking Operations	Indian Contract Act, 1872
		The Sale of Goods Act, 1930
		Indian Partnership Act, 1932
		Definition and features of a company
		The Companies Act, 1956
		Foreign Exchange Management Act, 1999
		Transfer of Property Act, 1882
		The Right to Information Act, 2005
		Right To Information and Obligation of Public Authorities
		The Prevention of Money Laundering Act, 2002
		Information Technology Act, 2000

JAIIB Syllabus PDF	Updated Syllabus Link 1	JAIIB Syllabus Link 2

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