How to Prepare for JAIIB Exam 2024:

Strategy and Study Plan

By EduTap Team September 29, 2023 Share this article

Preparing for the JAIIB exam requires a strategic approach, a clear roadmap, and
effective tips, and that’s exactly what this article offers. We understand the importance
of this phase in your banking career, and we aim to empower you with the best strategy
and insights to qualify all 4 papers of the JAIIB exam with confidence.

This article explains the best strategy for JAIIB preparation and other essential
information—pattern, syllabus, important topics, etc.—to help you qualify all papers in
one attempt.

JAIIB Exam Pattern

Here’s a detailed overview of the JAIIB exam pattern:

SNo. Papers No. of Total Time

 Questions Marks Duration

Paper 1: Indian Economy and Indian Financial

1 100 100 2 hours
System (IF and IFS)

Paper 2: Principles and Practices of Banking

2 100 100 2 hours
(PPB)

Paper 3: Accounting & Financial Management

3 100 100 2 hours
for Bankers (AFM)

Paper 4: Retail Banking and Wealth

4 100 100 2 hours
Management (RBWM)

JAIIB Exam Pattern: Other Details

The JAIIB Exam is held online, and the type of questions are multiple-choice. Each paper
carries 100 marks, and there is no negative marking for wrong answers. Each paper is
held on different dates, and the duration for each paper is 2 hours. The cut-off for each
paper is 50%, i.e., 50 marks out of 100. There are 50 questions of 0.5 marks, 25 of 1
mark, and 25 of 2 marks.

For your easy understanding, we have provided the above-mentioned information in a

table form below.

JAIIB Exam Pattern: Important Details

Total Marks 400

Negative Marking There is no negative marking

Marking Scheme 50 questions of 0.5 marks25 questions of 1 mark25 questions of 2 marks

Mode Online

Nature Objective with MCQs

Cut-Off Marks 50 marks out of 100 (for each subject)

Having acquainted yourself with the JAIIB exam pattern, let’s understand how to prepare
for the JAIIB exam 2024.
JAIIB Exam 2024: How To Prepare?
The JAIIB paper is qualifying in nature, and the minimum marks required to pass in each
subject is 50 out of 100. Candidates must secure at least 45 marks in each subject with
an aggregate of 50% marks in all subjects of the examination in a single attempt to clear
the exam. However, achieving the target of scoring 50 marks in each subject is not a
simple task. It requires a practical preparation strategy, a disciplined approach, and
effective time management.

Here’s a step-by-step guide to help you prepare effectively:

Step 1: Make Up Your Mind

The initial step for the JAIIB Exam begins with making up your mind. Having already
succeeded in a competitive exam to secure a position as a clerk or an officer, with
dedicated effort, cracking JAIIB is well within reach.

Make sure you don’t make any excuses, as making excuses will hinder your progress,
resulting in both financial and confidence setbacks. Moreover, don’t be content with your
current position. Always motivate yourself (be it monetary benefits, promotion, etc.) and
make up a firm mind to clear the exam.

Step 2: Understand the JAIIB Exam Pattern and Syllabus

Familiarise yourself with the exam pattern, marking scheme, and syllabus. Understand
the number of papers, subjects, modules of each subject, and important topics. Below,
we have explained the old and new JAIIB exam syllabus.

JAIIB Exam: Old Syllabus

To qualify the JAIIB Exam of 2022, aspirants had to clear 3 papers as described below.
 Papers Modules Syllabus

Module
Indian Financial System
A

Module
Functions of Banks
B

Paper 1: Principles and Practices of Module

Banking Technology
Banking (PPB) C

Module
Support Services, Marketing of Banking
D

Module
Ethics in Bank and Financial Institutions
E

Module
Business Mathematics and Finance
A

Module Principles of Bookkeeping and

B Accounting
Paper 2: Accounting and Finance For
Bankers (AFB) Module
Final Accounts
C

Module
Banking Operations
D

Module
Regulations and Compliance
A

Module
Legal Aspects of Banking Operations
B
Paper 3: Legal and Regulatory Aspects
of Banking (LRAB)
Module
Banking Related Laws
C

Module Commercial Laws with Reference to

D Banking Operations

JAIIB Exam: New Syllabus

For the 2023 exam, IIBF has revised the JAIIB Syllabus. The JAIIB exam from 2023
onwards syllabus consists of four papers, each further divided into four modules. The
detailed JAIIB exam syllabus is explained below:
Papers Modules Syllabus

Module
Indian Economic Architecture
A

Module
Economic Concept Related to Banking
B
Paper 1: Indian Economy and Indian
Financial System (IEIFS) Module
Indian Financial Architecture
C

Module
Financial Products and Services
D

Module
General Banking Operations
A

Module
Functions of Banks
B
Paper 2: Principles and Practices of
Banking (PPB) Module
Banking Technology
C

Module
Ethics in Bank & Financial Institutions
D

Module
Accounting Principles and Processes
A

Module Financial Statement and Core Banking

B Systems
Paper 3: Accounting & Financial
Management for Bankers (AFM)
Module
Financial Management
C

Module
Taxation and Fundamental of Costing
D

Module
Retail Banking
A

Module
Retail Products and Recovery
B
Paper 4: Retail Banking and Wealth
Management (RBWM) Module Support Services – Marketing of
C Banking Services/Products

Module
Wealth Management
D
Step 3: Identify Sources
After understanding your subjects, it’s time to identify your sources for preparation. The
market is filled with a variety of sources, both online and offline, creating confusion
about which source to consider. Avoid confusion by clearly defining which source to
utilise for each specific subject or topic. Here are some important points to consider
while selecting your sources:

Online Sources
Here are the online sources for the JAIIB exam:

1. IIBF e-Learning Portal

IIBF offers an e-learning portal where you can access digital study material, online
courses, and mock tests to prepare for the JAIIB exam. This is an excellent resource to
enhance your understanding of the exam topics.

2. Online Learning Platforms

There are multiple online learning platforms that offer JAIIB courses. These platforms
offer a wide range of study materials, interactive lessons, practice quizzes, mock tests,
and guidance from experienced educators.

3. YouTube Channels

Several YouTube channels provide free tutorials and explanations on JAIIB topics. You
should choose one reliable channel that offers quality video lectures.

Offline Sources
Here are the offline sources for the JAIIB exam:

1. IIBF Study Material

IIBF provides official study material for JAIIB. They cover the entire syllabus and are a
reliable source for understanding the concepts.

2. Coaching Institutes

Enrol in reputable coaching institutes that offer specialised JAIIB preparation classes.
Experienced faculty can guide you through the syllabus, provide tips, and conduct
regular mock tests.

3. Books
Take help from recommended JAIIB preparation books authored by renowned
professionals. Look for books that cover all subjects and important topics and have
practice questions.

Important Note

Remember to choose sources that align with your learning style and preferences.
Combine offline with online resources for a well-rounded preparation strategy.

Step 4: Know Your Approach

You should analyse the syllabus of each subject and understand the topics. Review the
questions asked in previous years’ papers to identify the important topics from each
subject. Additionally, ensure you have a practical approach to develop a comprehensive
study plan covering all subjects. Allocate time for each topic based on its weightage in
the exam and your comfort level with the subject.

Step 5: Self-Study or Coaching

To identify whether you can do self-study or need coaching, you need to ask yourself
these questions.

1. Do you have basic knowledge of each subject?

2. Can you analyse the previous years’ papers on your own?
3. Can you understand topics from books and other free materials on your own?
4. Can you ensure self-discipline?

If you can do all of the above-mentioned points, you can clear the exam using free
materials and self-study. However, if you cannot, coaching will help you prepare for the
JAIIB exam.

Having said this, always remember that coaching serves 4 important purposes:

The expert faculty does the hard part of analysing the previous years’ questions.
You get everything you need to clear the exam in one place, and this saves you
time.
You get doubts support, so whenever you have any doubt related to any subject,
you know there is a mentor you can contact.
You get a community of like-minded people sailing in the same boat as yours,
giving a feeling of belongingness.
This is an overall strategy for your JAIIB preparation. In the below sections, we have
explained the subject-wise strategy for JAIIB preparation.

Subject Wise Strategy for the JAIIB Preparation

1. How to Prepare for Paper 1: Indian Economy and Indian Financial
System (IE&IFS)?
Before finding out how to prepare for the Indian Economy and Indian Financial System,
let’s analyse the most important topics for IE&IFS.

Most Important Topics for the Indian Economy and Indian Financial
System

We have analysed the number of questions asked in the previous paper from each
module of IE&IFS to identify the most important topics. Here are the most important
topics for JAIIB IE&IFS paper.

1. Module A

Module A: Indian Economic Architecture

SNo. Chapters Topics

Basic Characteristics of Indian Economy – World

An Overview of the Indian
1 Bank Classification Economy till 2008 & after 2008
Economy
– Hindu Rate & Growth

Role & Importance of Primary, Secondary & Tertiary

2 Sectors of the Indian Economy
Sector Sunrise Sector of Indian Economy

Economic Planning in India and Five Years Plans in India NITI Aayog – Strategy for
3
NITI Aayog New India @ 75
 Role of Priority Sector and List of Priority Sectors Identified in India & PSL
4
MSME in the Indian Economy Targets

Infrastructure including Social Energy Power, Transport system viz., Rail, Road,
5
Infrastructure Civil Aviation – Initiative given

Economic Transformation – Financial Sector –

6 Economic Reforms
Narasimham Committee

Foreign Trade Policy, Foreign

7 Investments, and Economic FDIs, FIIS, and Recent Trends
Development

Climate Change, Sustainable India’s progress in SDGs, including Climate change,

8
Development Goals (SDGs) CSR Activities – Initiatives, CoP 26, CSR

2. Module B

Module B: Economic Concepts Related to Banking

SNo. Chapters Topics

Fundamentals of Economics,
Economics – An Introduction – The
1 Microeconomics, Macroeconomics, and
Three Definitions
Types of Economies

2 Supply and Demand Forces Behind the Demand Curve

Money Supply – Measures, Money

Multiplier, Velocity, Characteristics of
3 Money Supply and Inflation Currency
Measures of Inflation – CPI, WPI, GDP
Deflator

Keynes’ Liquidity Preference Theory of

4 Theories of Interest Rate of Interest Effect of Fiscal and
Monetary

5 Business Cycles Characteristics of a Business Cycle

6 Monetary Policy and Fiscal Policy GDP and Related Concepts Utility

7 National Income and GDP Concepts FDIs, FIIS, and Recent Trends
8 Union Budget Expenditure & Receipts

3. Module C

Module C: Indian Financial Architecture

SNo. Chapters Topics

Indian Financial System – An

1 Phase I & II: Bank Nationalisation
overview

2 Indian Banking Structure Types of Banks

Banking Regulation Act, 1949 RBI Act, 1934 – Paid-up Capital and Board of
3
and RBI Act, 1934 Directors Banking Regulation Act, 1949

Development Financial Evolution of DFIs National Bank for Financing

4
Institutions Infrastructure and Development (NaBFID)

Evolution of Microfinance in India and PSL norms

5 Micro Finance Institutions
SHG-Bank Linkage

Non-Banking Financial
6 NBFS Definition and types
Companies

Privatisation and Foreign Direct Investment (FDI) in

7 Insurance Companies
Insurance Sector

Reforms & Developments in the

8 Bad Bank
Banking Sector

4. Module D

Module D: Financial Products and Services

SNo. Chapters Topics

1 Overview of Financial Markets Price Discovery

Notice Money and Term Money Repo, LTRO,

2 Money Markets and Capital Markets
TLTRO
 Bond Valuation and Theorems Derivatives
Fixed Income Markets – Debt/Bond
3 Association of India RBI Retail Direct Scheme
Markets
(RDS)

4 Forex Markets Foreign Exchange Management Act (FEA), 1999

Interconnection of various
5 Asian Clearing Union
markets/Market Dynamics

6 Merchant Banking Services Definition and SEBI Regulations

7 Factoring, Forfaiting & TreDS Definition & Types

8 Venture Capital Concept of Venture Capital, Stages & Exit routes

9 Leasing and Hire Purchase Definition, Types, and Parties Involved

Credit Rating Agencies & their Credit Rating Agency (CRAs) – Definition &
10
Functions History

Insurance Products & Ch43. Government Products – Insurance (PMJJBY,

11
Pension Funds (include APY, NPS) PMSBY) & Pension (APT, PPF, NPS)

Real Estate Investment Funds/

12 REITs & InvITs – Definition & Types
Infrastructure Investment Fund

Now that you have understood the important topics, let’s understand the books and
other sources that can help you in preparation.

Best Books and Sources for IE&IFS Preparation

Here are the best books and sources to prepare for JAIIB Paper 1 – IE & IFS:

Best Books and Sources for IE & IFS Preparation

SNo. Books Author Publisher Buy Here

1 NCERT Economy Books for Class XI & XII NCERT NCERT Buy Online

2 Indian Economy & Indian Financial System IIBF Macmillan Buy Online

Other Recommended Sources

Free Videos: YouTube Videos

 Online Course: EduTap Complete JAIIB Master Course
Online Course: EduTap JAIIB IE&IFS Master Course

Once you have a comprehensive understanding of the crucial topics, recommended

books, and other essential resources, it’s time to commence your preparation for Paper
1.

Strategy to Prepare for JAIIB IE&IFS

Follow the below-mentioned strategy to prepare for JAIIB IE&IFS:

1. Start with Module D

While preparing for IE&IFS paper, it is highly recommended to start with Module D. It is
because, in the 2023 May exam, the maximum number of questions (around 30 to 35
marks) in Paper 1 were asked from Module D. Moreover, although this module has more
chapters than other modules, these chapters are small and less time-consuming.

2. Proceed with Modules A & B

After Module D, start reading Modules A and B. These modules are related to each other,
making it more beneficial to read these together. Moreover, Module B is the second-
highest scoring module, following Module D.

3. Finally, Go for Module C

Keep Module C for the last, as its chapters are lengthy and require more time than the
other modules.

Now that you have understood how to prepare for Paper 1, IE&IFS, let’s understand how
to prepare for Paper 2, PPB.

2. How to Prepare for Paper 2: Principles and Practices of Banking

(PPB)
Before finding out how to prepare for Principles and Practices of Banking, let’s analyse
the most important topics for PPB.

Most Important Topics for Principles and Practices of Banking

We have analysed the topic-wise yearly trend of the number of questions asked from
each module of PPB to identify the most important topics. Here are the most important
topics for the JAIIB PPB paper.

1. Module A:
Module A: General Banking Operations

SNo. Chapters Topics

1 Banker-Customer Relationship Banker-Customer Relationship

2 AML-KYC Guidelines PMLA, Reporting Obligations

3 Operational Aspects of KYC KYC-Individuals

Opening A/C of Various types of Individuals, KJoint, Illiterate, Blind, Minor,

4
Customers Partnership, LLP

Operational Instructions in Joint Accounts,

5 Operational Aspects ofDeposit A/Cs
Attachment Orders

6 Operational Aspects of Handling Cash CTS

7 Banker’s Special Relationship Mandate, POA, Lien, Appropriation

Dorex Remittance Facilities for

8 LRS, Outward Remittances
Individuals

9 Aspects of NRI Business NRE, NRO, FCNR, SNRR

10 Foreign Currency A/Cs for Residents Foreign Currency Denomination A/Cs

Payment and collection of Cheques and NIA, Paying & Collecting Bank Duties,
11
other Negotiable Instruments Endorsement, Crossing, and Dishonour

12 Ancillary Services Demand Draft Locker

Duties & Rights of a Banker and

13 Termination of BCSBI Codes
Customer

Grievance Redressal & RBI Integrated

14 Ombudsman Scheme
Ombudsman Scheme

15 The Consumer Protection Act, 2019 Product Liability, Councils, Commissions

16 Right to Information Act, 2005 PIOs, Anneals, Public Authority

2. Module B:

Module B: Functions of Banks

SNo. Chapters Topics

1 Principle of Lending Types of Borrowers, Credit facilities

Appraisal & Assessment of Credit

2 Only Definitions
Facilities

Operational Aspects of Loan

3 Common Loan Products
Accounts

Types of Collaterals & Their Immovable Property, LTV ratios, nature of

4
Characteristics charge created

Different Modes of Charging

5 Full Chapter
Securities

Asset classification, SMA, Wilful Defaulters

6 NPAs/Stressed Assets
(Table)

Important Laws Relating to Recovery

7 Basics of Acts
of Dues

8 Contracts of Guarantee Types of Guarantee

9 Contract of Indemnity Full Chapter

10 Letters of Credit Types, Documents

11 Laws Relating to Bill Finance Classification of Bills

12 Priority Sector Advances Targets/Sub-Targets & Categories

13 Agricultural Finance KCC, PMFBY, MSP

14 MSMEs in India Classification, TreDS, PM savNIDHI

15 Government Sponsored Scheme In News

16 GHGs Full Chapter

3. Module C:

Module C: Banking Technology

SNo. Chapters Topics

1 Essential of Bank Computerisation Networking Technology, definitions

 ATM, Electromagnetics Cards, Net
2 ADC-Digital Banking
Banking

Data Communication Network and EFT

3 NEFT, RTGS, SWIFT, Definitions
Systems

4 Digital Payment System – NPCI Full Chapter

AI, Chatbots, Blockchains, Crypto, VR,

5 Technology Trends in Banking
AR, 5G

6 Security Considerations Vising, Smishing, Malware, Phishing

4. Module D:

Module D: Ethics in Banking & Financial Institutions

SNo. Chapters Topics

1 Ethics, Business Ethics & Banking Ethics & Value

2 Ethics at Individual Level Golden Rule, Ethical Dilemmas

3 Ethics Dimensions – Employees Insider Trading, Job discrimination

4 Work Ethics and the Workplace Whistleblowing

Now that you have understood the important topics, let’s understand the books and
other sources that can help you in preparation.

Best Books and Sources for PPB Preparation

Here are the best books and sources to prepare for JAIIB Paper 2—PPB:

Best Book and Sources for PPB Preparation

SNo. Books Author Publisher Buy Here

 1 Principles & Practices of Banking IIBF Macmillan Buy Online

Other Recommended Sources

Free Videos: YouTube Videos

Other Source: RBI Circulars Till Deadline Mentioned in Syllabus
Online Course: EduTap Complete JAIIB Master Course
Online Course: EduTap JAIIB PPB Master Course

Once you have a comprehensive understanding of the crucial topics, recommended

books, and other essential resources, it’s time to commence your preparation for Paper
2.

Strategy to Prepare for JAIIB PPB

Follow the below-mentioned strategy to prepare for JAIIB PPB:

1. Start with Modules A and B

While preparing for the PPB paper, you should start with Modules A and B. You should
allocate the majority of your allotted time for PPB to Modules A and B.

2. Don’t Skip Modules C and D

Many people recommend skipping Modules C and D and only focusing on Modules A
and B to clear the paper. This approach may help you clear the paper, but it might limit
your potential for achieving high scores. On the other hand, if the paper contains
challenging questions, this approach could make it difficult for you to clear the exam.

We highly recommend not skipping Modules C and D. However, in case of time

constraints, ensure you cover at least the fundamental concepts of Modules C and D.

Now that you have understood how to prepare for Paper 2, PPB, let’s understand how to
prepare for Paper 3, AFM.

3. How to Prepare for Paper 3: Accounting & Financial Management

for Bankers (AFM)
Before finding out how to prepare for Accounting and Financial Management for
Bankers, let’s analyse the most important topics for AFM.
Most Important Topics for Accounting & Financial Management for
Bankers
We have analysed the topic-wise yearly trend of the number of questions asked from
each module of AFM to identify the most important topics. Here are the most important
topics for the JAIIB AFM paper.

1. Module A

Module A: Accounting Principles & Processes

SNo. Chapters Topics

Definition, Scope, and Accounting Standards,

1 Accounting Standards
including IndAS

2 Basic Accountancy Procedures Concepts of Accountancy

Maintenance of Cash/Subsidiary Books and

3 Rules of Debit & Credit
Ledger

4 Bank Reconciliation Statement Bank Reconciliation Statement

Trial Balance, Rectification of Errors and Adjusting Types of Errors & Suspense
5
& Closing Entries Accounts

Different Methods of
6 Depreciation & its Accounting
Depreciation

Examples of Capital & Revenue

7 Capital & Revenue Expenditure
Expenditure

Important Terms Related to Bills

8 Bills of Exchange
of Exchange

Back Office Functions/Handling Unreconciled Reconciliation of Inter

9
Entries in Banks Branch/Office Entries

Types of Bank Audits & Their

10 Bank Audit & Inspection
Details

2. Module B
Module B: Financial Statement and Core Banking Systems

SNo. Chapters Topics

Preparation of Balance Sheet and Profit &

1 Preparation of Final Accounts
Loss Account

2 Company Accounts – I Definition & Types of Companies

3 Company Accounts – II Form of Balance Sheet

4 Cash Flow & Funds Flow Components of Cash Flow

Preparation of Final Systems & Disclosure

5 Final Accounts of Banking Companies
Requirements

Core Banking Systems & Accounting Terms, Advantages & Disadvantages of

6
in Computerised Computerised Accounting

3. Module C

Module C: Financial Management

SNo. Chapters Topics

Principles, Risk Return Trade-Off, Ethics &

1 Financial Management – An Overview
Social Responsibility

2 Ratio Analysis Different Types of Ratios

Financial Mathematics – Calculation of Calculation of Simple & Compound Interest

3
Interest and Annuities and Definition of Annuities

Financial Mathematics – Calculation of

4 Bond Theorems, Bond Price Volatility
YTM

Approaches and Weighted Average Cost of

5 Capital Structure & Cost of Capital
Capital

6 Equipment Leasing/Lease Financing Types of Leases

7 Working Capital Management Working Capital Cycle

 8 Derivatives Types of Derivatives

4. Module D

Module D: Taxation & Fundamentals of Costing

SNo. Chapters Topics

Taxation: Income Tax/TDS/Deferred

1 TCS, TDS, and Deductions
Tax

An Overview of Cost & Management Methods & Significance of Cost &

2
Accounting Management Accounting

3 Costing Methods Applications of Costing Methods

4 Standard Costing Applications of Standard Methods

5 Marginal Costing Profit Volume Ratio & its Significance

6 Budget & Budgetary Control Types of Budget

Now that you have understood the important topics, let’s understand the books and
other sources that can help you in preparation.

Best Books and Sources for AFM Preparation

Here are the best books and sources to prepare for JAIIB Paper 3 – AFM:

Best Books and Sources for AFM Preparation

SNo. Books Author Publisher Buy Here

Buy
1 Class XI – Financial Accounting Part 1 NCERT NCERT
Online

Buy
2 Class XI – Financial Accounting Part 2 NCERT NCERT
Online
 Class XII – Company Accounts & Analysis of Buy
3 NCERT NCERT
Financial Statements Online

Buy
4 Accounting & Financial Management For Bankers IIBF Macmillan
Online

Other Recommended Sources

Free Videos: YouTube Videos

Online Course: EduTap Complete JAIIB Master Course
Online Course: EduTap JAIIB AFM Master Course

Once you have a comprehensive understanding of the crucial topics, recommended

books, and other essential resources, it’s time to commence your preparation for Paper
3.

Strategy to Prepare for JAIIB AFM

Follow the below-mentioned strategy to prepare for JAIIB AFM:

1. Start with Module C and A

When focusing on AFM preparation, prioritise Module C as it is one of the highest-

scoring modules, followed by Module A.

2. Proceed with Module D

Once you’ve finished Modules C and A, it’s time to progress to Module D.

3. Finally, Module B

Keep Module B for the last, as it tends to have a lower scoring potential. Moreover, if
time is a constraint, you can opt to skip this module.

4. Practise Numericals

Practise as many numericals as you can, especially from Modules A and D. Questions
from these modules are primarily formula-based, making them easily solvable by
applying the appropriate formulas and inputting the given values. Numericals from
Module C are more complicated and require more time to solve.

Now that you have understood how to prepare for Paper 3, AFM, let’s understand how to
prepare for Paper 4, RBWM.
4. How to Prepare for Paper 4: Retail Banking and Wealth
Management (RBWM)
Before finding out how to prepare for Retail Banking and Wealth Management, let’s
analyse the most important topics for RBWM.

Most Important Topics for Retail Banking and Wealth Management

We have analysed the topic-wise yearly trend of the number of questions asked from
each module of RBWM to identify the most important topics. Here are the most
important topics for the JAIIB RBWM paper.

1. Module A

Module A: Retail Banking

SNo. Chapters Topics

Characteristics, advantages,
1 Retail Banking: Introduction
and constraints in Retail Banking

Retail Banking: Role within the Bank

2 Business Models
Operations

Applicability of Retail Banking Concepts

Distinction between Retail and
3 and Distinction between Retail and
Corporate/ Wholesale Banking
Corporate/Wholesale Banking

Categories of Profit, Return on Asset,

4 Branch Profitability Return on Equity, Branch Operating
Efficiency, Factors affecting profitability

2. Module B

Module B: Retail Products and Recovery

SNo. Chapters Topics

1 Customer Requirements Maslow’s Theory

2 Product Development Process Product Life Cycle, Debit or Credit Products, Third
 Party Products, Product Management

Credit Scoring Model, Credit Information

3 Credit Scoring
Companies in India, Issues in Credit Scoring

Important Retail Liability

4 Types of deposits
Products

5 Important Retail Asset products PMAY, Types of Loans

6 Credit and Debit Cards Co-Branded Cards

7 Remittance Products NEFT, RTGS, ECS, NACH, BBPS, AePS

Digitisation of Retail banking

8 IDRBT, INFINET, SFMS, ISCC, NFS
Products

Role of AI and Technology in

9 Benefits of AI in Retail Banking
Retail Banking Products

10 Recovery of Retail Loans SARFAESIAct, DRT, Lok Adalat

Management Information
11 Role of MIS in Banking Industry
Systems

12 Securitisation Securitisation of Assets

3. Module C

Module C: Support Services – Marketing of Banking Services/Products

SNo. Chapters Topics

1 Marketing: An Introduction Marketing Mix

2 Delivery Channels in Retail Banking Channel Experience, Internet Banking

Direct Selling Agents, Dedicated

3 Delivery Models
Marketing Managers

Customer Relationship Management in Implementation of Process of CRM,

4
Retail Banking Benefits of CRM

5 Service Standards for Retail Banking BCSBI Customer Grievance Handling

 Marketing Information System: A
6 Functions of MKIS
Longitudinal Analysis

4. Module D

Module D: Wealth Management

SNo. Chapters Topics

1 Importance of Wealth Management Instruments of Wealth Management

2 Investment Management Portfolio Management

3 Tax Planning All Topics

4 Other Financial Services Provided by Banks All Topics

Now that you have understood the important topics, let’s understand the books and
other sources that can help you in preparation.

Best Books and Sources for RBWM Preparation

Here are the best books and sources to prepare for JAIIB Paper 4 – RBWM:

Best Books and Sources for RBWM Preparation

SNo. Books Author Publisher Buy Here

1 Retail Banking & Wealth Management IIBF Macmillan Buy Online

Other Recommended Sources

Free Videos: YouTube Videos

Other Source: Retail Banking
Online Course: EduTap Complete JAIIB Master Course
Online Course: EduTap JAIIB RBWM Master Course
Once you have a comprehensive understanding of the crucial topics, recommended
books, and other essential resources, it’s time to commence your preparation for Paper
4.

Strategy to Prepare for JAIIB RBWM

Follow the below-mentioned strategy to prepare for the JAIIB RBWM paper:

1. Start with Modules A, B, and C

For RBWM preparation, you should start with Module A, proceed to B, and then cover C.
The RBWM syllabus is concise, allowing for efficient completion of these three modules
within a reasonable timeframe.

2. Conclude Your Preparation with Module D

Once Modules A, B, and C are completed, proceed to Module D. However, in case of time
constraints, you may choose to skip this module.

Now that you have your subject-wise strategies, take a look at the time table for the
JAIIB preparation.

Time Table For the JAIIB 2024 Preparation

Here’s an effective subject-wise timetable/study plan that you can customise according
to your strengths, weaknesses, and the available time you have:

1. Indian Economy and Indian Financial System

Follow the below-mentioned study plan to prepare for the Indian Economy and Indian
Financial System:
 Indian Economy and Indian Financial System

SNo. Module Time Instructions

The most important chapter is- Role of

Priority Sector and MSME in the Indian
Module A: Indian Economic 7 Economy.
1
Architecture Hours You can ignore chapters like Globalisation,
Economic Reforms and Issues FacingIndian
Economy.

Learn the basic concepts and definitions.

Module B: Economic 5
2 Depth of concept and understanding of the
Concepts Related To Banking Hours
lines given in the book is necessary

Questions asked from the chapters are deep.

Module C: Indian Financial 6
3 Go through the facts and revise them
Architecture Hours
multiple times.

This is the most important Module. Almost ⅓

rd paper from here.
Module D: Financial Products 12
4 Questions asked from the chapters are
And Services Hours
deep.Go through the facts and revise them
multiple times.

30
Total
Hours

2. Principles and Practices of Banking

Follow the below-mentioned study plan to prepare for Principles and Practices of
Banking:

Principles and Practices of Banking

SNo. Module Time Instructions

Easy and scoring Module.

Module A: General Banking 15
1 A clear understanding of the topics is
Operations Hours
a must.

Most important from the

12 examination point of view.
2 Module B: Functions Of Banks
Hours Multiple revisions of the important
topics
 Technical topics
3 Module C: Banking Technology 8 Hours
Need to have basic knowledge of ICT

Understanding of the topic is

Module D: Ethics In Banks And 10 important
4
Financial Institutions Hours Relate the theory with your day-to-day
experience

45
Total
Hours

3. Accounting and Financial Management for Bankers

Follow the below-mentioned study plan to prepare for Accounting and Financial
Management for Bankers:

Accounting and Financial Management for Bankers

SNo. Module Time Instructions

Clear the concept of debit/credit.

Module A: Accounting Principles and 8 Don’t go into details of accounting
1
Processes Hours standards.
Just learn the number and objective.

Learn the basic concepts and

Module B: Financial Statement and 7 definitions.
2
Core Banking Systems Hours Learn the schedule for the final
accounts of banks.

Types of ratios.Practice as many

10 numericals as you can.
3 Module C: Financial Management
Hours A calculator is allowed in the
examination.

New addition to the syllabus.

Module D: Taxation and Fundamental 5 Very basic coverage of topics.
4
of Costing Hours You can fetch more marks with less
effort.

30
Total
Hours

4. Retail Banking and Wealth Management

Follow the below-mentioned study plan to prepare for Retail Banking and Wealth
Management:

Retail Banking and Wealth Management

SNo. Module Time Instructions

4
1 Module A: Retail Banking Simple and scoring Module
Hours

Linked to banking work

Module B: Retail Products and 8 A clear understanding of the
2
Recovery Hours basics is a must
Solve previous CAIIB Questions

Module C: Support Services – Theoretical Topics – so simple

5
3 Marketing of Banking reading will serve the purpose
Hours
Services/Products Link it with your daily bank work

Careful reading is required for a

10 better understanding of the topics
4 Module D: Wealth Management
Hours Keep yourself updated with recent
developments

22
Total
Hours

General Tips:
Adjust the above timetable to suit your specific needs.
Take short breaks (5-10 minutes) between sessions.
Practise as many mock tests as possible and review your performance, identify
your weak areas, and dedicate more time to them.
Structure your study plan to align with your daily routine. For working professionals,
consider dedicating extended study periods on weekends to optimise exam
preparation