JAIIB/ DBF exam pattern and syllabus 2022

JAIIB /DBF exam pattern and syllabus 2022

JAIIB exam is conducted by the Indian Institute of Banking & Finance (IIBF). JAIIB exam is conducted by IIBF two times a year. Before starting the JAIIB exam’s preparation, one should must know the JAIIB Syllabus and Exam Pattern. Here, we are providing a fully updated and detailed JAIIB Syllabus and Exam Pattern. Here we will discuss the JAIIB syllabus which consists of three papers 1. Principles and Practices of Banking, 2. Accounting and Finance for Bankers, and 3. Legal and Regulatory Aspects of Banking.
We are providing here all the details about the JAIIB exam pattern and syllabus. In this article, we will deal with the JAIIB exam pattern and syllabus step by step. We will make sure that you have not left with any doubts regarding the JAIIB exam pattern and syllabus.

JAIIB Exam Pattern

SUBJECTS OF EXAMINATION:
1. Principles & Practices of Banking
2. Accounting & Finance for Bankers
3. Legal & Regulatory Aspects of Banking
  • The exam is divided into three papers i.e. Principles and Practices of Banking, Accounting and Finance for Bankers, and Legal and Regulatory Aspects of Banking.
  • Each paper is further divided into Modules, which is discussed below in the syllabus section.
  • The JAIIB is an online exam comprising 120 objective questions (in each paper) of 100 marks.
  • Candidates have to complete the computer-based test of each paper in 2 hours i.e. 120 minutes.
  • IIBF reserves the right to vary the number of questions as required.
Subjects Number of questions Maximum marks Duration
Principles and Practices of  Banking 120 100 2 hours
Accounting and Finance for Bankers 120 100 2 hours
Legal and Regulatory Aspects of Banking 120 100 2 hours
PASSING CRITERIA:
  • Minimum marks for pass in the subject is 50 out of 100.
  • Candidates securing at least 45 marks in each subject with an aggregate of 50% marks in all subjects of examination in a single attempt will also be declared as having completed the Examination.
  • Candidates will be allowed to retain credits for the subject they have passed in an attempt till the expiry of the time limit for passing the examination as mentioned below:

TIME LIMIT FOR PASSING THE EXAMINATION:

  • Candidates will be required to pass the examination within a time limit of 2 years (i.e. 4 consecutive attempts).
  •  Candidates not able to pass examination within stipulated time period of two years are
    required to re-enroll themselves afresh. Such candidates will not be granted credit/s for
    subject/s passed, if any, earlier.
  • Time limit of 2 years will start from the date of application for first attempt. Attempts will be counted irrespective of whether a candidate appears for any examination or otherwise.

JAIIB study material 2022 Edition: Download PDF

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JAIIB Updated syllabus pdf

JAIIB Syllabus

JAIIB Syllabus – Paper I (Principles and Practices of Banking)

MODULE A – INDIAN FINANCIAL SYSTEM

  • Unit 1: Indian Financial System – An Overview
  • Unit 2: Banking Regulation
  • Unit 3: Retail Banking, Wholesale and International Banking
  • Unit 4: Role of Money Markets, Debt Markets & Forex Market
  • Unit 5: Role and Functions of Capital Markets, SEBI
  • Unit 6: Factoring, Forfaiting Services and Off-Balance Sheet items
  • Unit 7: Risk Management, Basel Accords
  • Unit 8: CIBIL, Fair Practices Code for Debt Collection, BCSB
  • Unit 9: Recent Developments in the Financial System
 Unit Topics
Indian Financial System – Overview Role of RBI, Commercial Banks, NBFCs, PDs, FIs, Cooperative Banks, CRR, SLR; Equity & Debt Market; IRDA
Banking Regulation Constitution, Objectives, Functions of RBI; Tools of Monetary Control; Regulatory Restrictions on Lending
Role of Money Markets, Debt Market and Forex Market Types of Money & Debt Market Instruments incl. G-Secs; ADs, FEMA, LIBOR, MIBOR, etc.
Role & 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
Mutual Funds & Insurance Companies, Bancassurance & IRDA Types of Mutual Funds, its Management & its Role; Role & Functions of Insurance Companies Bancassurance; IRDA
Factoring, Forfaiting Services and Off-Balance Sheet items Types & advantages of Factoring & forfeiting 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, BCSBI 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

  • Unit 1- Bankers-Customer Relationship
  • Unit 2- KYC/ AML/ CFT norms
  • Unit 3- Bankers’ Special Relationship
  • Unit 4-Banking Ombudsman scheme and COPRA Act
  • Unit 5- Payment and Collection of cheques and other Negotiable Instruments
  • Unit 6- Opening accounts of various types of customers
  • Unit 7- Ancillary Services
  • Unit 8- Cash Management Services and its Importance
  • Unit 9-Principles of Lending, Working Capital Assessment and Credit Monitoring
  • Unit 10- Priority Sector Advances
  • Unit 11- Agricultural Finance
  • Unit 12- Micro, Small and Medium Enterprise in India
  • Unit 13- Government Sponsored Scheme
  • Unit 14- Self Help Groups
  • Unit 15- Credit Cards, Home Loans, Personal Loans, Consumer Loans
  • Unit 16- Documentation
  • Unit 17-Different Modes of Charging Securities
  • Unit 18- Types of Collaterals and Their Characteristics
  • Unit 19-Non- Performing Assets
Unit Topics
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; Right of Set-off
Consumer Protection – COPRA, Banking Ombudsman Scheme Operational Aspects of COPRA Act & Banking Ombudsman Scheme
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
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 Aadhar, 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
Self Help Groups Need for & Functions of SHGs; Role of NGOs in Indirect Finance to SHGs; SHGs & SGSY Scheme; Capacity Building
Credit 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, R SETI
Financial Literacy Importance of financial literacy, customer awareness

 

MODULE C – BANKING TECHNOLOGY

  • Unit 1- Essentials of Bank Computerisation
  • Unit 2- Payment System and Electronic Banking
  • Unit 3- Data Communications Networks and EFT Systems
  • Unit 4- Role Of Technology Upgradation and Its Impact on Banks
  • Unit 5- Security Considerations
 Unit Topics
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 Gopala Krishna Committee Recommendations
Preventive Vigilance in Electronic Banking Phishing; Customer Education; Safety Checks; Precautions

 

MODULE D- SUPPORT SERVICES – MARKETING OF BANKING SERVICES/ PRODUCTS

  • Unit 1- Marketing An Introduction
  • Unit 2- Social Media Marketing
  • Unit 3- Consumer Behavior and Product
  • Unit 4- Pricing
  • Unit 5- Distribution: Meaning, Functions, Factors and Types
  • Unit 6- Channel Management
  • Unit 7- Promotion
  • Unit 8- Role of Direct Selling Agent/ Direct Marketing Agent in a Bank
  • Unit 9- Marketing Information Systems
Unit Topics
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

  • Unit 1- Ethics, Business Ethics & Banking: An Integrated Perspective
  • Unit 2- Ethics at the Individual Level
  • Unit 3- Ethical Dimension Employees
  • Unit 4- Work Ethic and The Workplace
  • Unit 5- Banking Ethics: Changing Dynamic
Ethics, Business Ethics & Banking: An  integrated Perspective Business Ethics, Ethical Foundation and 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

JAIIB Paper 2- Accounting & Finance for Bankers

Module A- BUSINESS MATHEMATICS AND FINANCE

  • Unit 1- Calculation of Interest and Annuities
  • Unit 2- Calculation of YTM
  • Unit 3- Capital Budgeting
  • Unit 4- Depreciation and its Accounting
  • Unit 5- Foreign Exchange Arithmetic

Module B- Principles of Bookkeeping & Accountancy

  • Unit 1- Definition, Scope and Accounting Standards
  • Unit 2- Basic Accountancy Procedures
  • Unit 3- Maintenance of Cash/ Subsidiary Books and Ledger
  • Unit 4- Bank Reconciliation Statement
  • Unit 5- Trial Balance, Rectification of Errors and Adjusting & Closing Entries
  • Unit 6- Capital and Revenue Expenditure
  • Unit 7- Bills of Exchange

Module C- Final Account

  • Unit 1- Balance Sheet Equation
  • Unit 2- Preparation of Final Accounts
  • Unit 3- Ratio Analysis: Advantages and Limitations of Ratio Analysis and Calculation
  • Unit 4- Final Accounts of Banking Companies
  • Unit 5- Company Accounts-1
  • Unit 6- Company Accounts-2
  • Unit 7- Accounting in Computerised Environment

Module D- Banking Operation

  • Unit 1- Banking Operations
  • Unit 2-Operational Aspects of KYC/Customer Service
  • Unit 3- Operational Aspects of Accounting Entries
  • Unit 4- Operational Aspects of Cash/Clearing
  • Unit 5-Operational Aspects of Deposit Accounts
  • Unit 6- Operational Aspects of Loan Accounts
  • Unit 7- Operational Aspects of CBS Environment
  • Unit 8- Back Office Operations/Handling of Unreconciled Entries in Banks

JAIIB/ DBF Paper 3 – Legal & Regulation Aspects of Banking

Module A- Regulations and Compliance

No. of Unit Topics Name
Unit 1 Legal Framework of Regulation of Banks
Unit 2 Control Over Organisation of Banks
Unit 3 Regulation of Banking Business
Unit 4 Returns, Inspection, Winding Up, Mergers & Acquisitions
Unit 5 Public Sector Banks and Co-operative Banks

 

Module B- Legal Aspects of Banking Operations

No. of Unit Topics Name
Unit 1 Case Laws on Responsibility of Paying Bank
Unit 2 Case Laws on Responsibility of Collecting Bank
Unit 3 Different types of Borrowers
Unit 4 Types of Credit Facilities
Unit 5 Indemnities
Unit 6 Bank Guarantees
Unit 7 Letters Of Credit
Unit 8 Deferred Payment Guarantee
Unit 9 Law Relating to Bill finance
Unit 10 Various Types of Securities
Unit 11 Law Relating to Securities and Modes of Charge- 1
Unit 12 Law Relating to Securities and Modes of Charge 2
Unit 13 Registration and Satisfaction of Charges

 

Module C: Banking Related Laws

No. Of Unit Topics Name
Unit 1 and 2 SARFAESI ACT, 2002
Unit 3 Regulation of Securitisation and Reconstruction of Financial Assets of Banks and Financial Institutions
Unit 4 Enforcement of Security Interest
Unit 5 Central Registry
Unit 6 Offences and Penaltie
Unit 7 Miscellaneous Provisions
Unit 8 The Banking Ombudsman Scheme, 2006: Purpose, Extent, Definitions, Establishment and Powers
Unit 9 Procedure for Redressal of Grievances
Unit 10 Jurisdiction, Powers and Authority of Tribunals
Unit 11 Procedure Of Tribunals
Unit 12 Recovery of Debts Determined by Tribunal and Miscellaneous Provisions
Unit 13 The Bankers’ Books Evidence Act, 1891
Unit 14 The Legal Services Authorities Act, 1987: Lok Adalats
Unit 15 The Consumer Protection Act, 1986: Preamble, Extent and Definitions
Unit 16 Consumer Protection Councils
Unit 17 Consumer Disputes Redressal Agencies
Unit 18 The Law of Limitation
Unit 19 Tax Laws

 

Module D: Commercial Laws with Reference to Banking Operations

No. of Unit Topic Name
Unit 1 Meaning and Essentials of a Contact
Unit 2 Contracts of Indemnity
Unit 3 Contracts Of Guarantee
Unit 4 Contract Of Bailment
Unit 5 Contracts of Pledge
Unit 6 Contracts Of Agency
Unit 7 Meaning and Essentials of a Contract of Sale
Unit 8 Conditions and Warranties
Unit 9 Unpaid Seller
Unit 10 Definition, Meaning and Nature of Partnership
Unit 11 Relations of Partners to One Another
Unit 12 Relations of Partners to Third Parties
Unit 13 Minor Admitted to the Benefits of Partnership
Unit 14 Dissolution Of a Firm
Unit 15  Effect of Non-Registration
Unit 16 Definition and Features of Company
Unit 17 Classifications Of Companies
Unit 18 Memorandum Of Association & Articles Of Association
Unit 19 Doctrines of Ultra vires/Constructive Notice/Indoor Management
Unit 20 Membership of Company
Unit 21 Prospectus
Unit 22 Directors
Unit 23 Foreign Exchange Management Act, 1999
Unit 24 Transfer Of Property Act, 1882
Unit 25 The Right to Information Act, 2005
Unit 26 Right to Information and Obligations of Public Authorities
Unit 27 The Prevention of Money Laundering Act, 2002

 

JAIIB / DBF exam pattern and syllabus 2021 FAQs

Q. Which organization decides the syllabus and exam pattern for JAIIB / DBF Exam?

Ans. Indian Institute of Banking & Finance (IIBF) decides the syllabus and exam pattern for JAIIB / DBF Exam.

Q. What are the names of the papers of JAIIB / DBF exam?

Ans. JAIIB / DBF exam has three papers namely Principles & Practices of Banking, Accounting & Finance for Bankers, Legal & Regulation Aspects of Banking.

Q. JAIIB / DBF exam is of how much marks?

Ans. The JAIIB is an online exam comprising 120 objective questions (in each paper) of 100 marks.

Q. What is the minimum passing marks in the subject in JAIIB/DBF?

Ans. Minimum marks for pass in the subject are 50 out of 100.

Q. When will JAIIB / DBF exam be conducted?

Ans. The JAIIB / DBF exam is conducted twice in a year once in May / June and again in November/ December.

Q. How is JAIIB / DBF Exam conducted?

Ans. JAIIB / DBF Exam has comprised three papers: Principles and Practices of Banking, Accounting and Finance for Bankers, and Legal and Regulatory Aspects of Banking.

Q. How can I get study materials related to the JAIIB / DBF exam 2021?

Ans. You can get the JAIIB / DBF study capsules from our website.

Q. Can I get the module wise study material?

Ans. Yes, you can download the module-wise PDF of Paper I, Paper-II and Paper III.

Q. Where can I take a JAIIB / DBF exam practice mock test?

Ans. You can give full-length JAIIB / DBF Online mock tests, Module wise practice papers, and Previous year papers from our website.

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