Which JAIIB Syllabus Topics Matter Most in 2025?

If you’re aiming to clear JAIIB in 2025, focus on where marks are most predictable, which are JAIIB syllabus topics that appear repeatedly in PYQs. But going through every PYQ across all subjects to find those topics is time-consuming.

We know balancing a banking job with preparation is tough, and time is limited. That’s why we’ve done the hard work for you to save your precious time.

In this article, you’ll find the module-wise important JAIIB syllabus topics that you should prioritize while preparing. Aim to complete these at least 2 weeks before the JAIIB exam dates so you have ample time for revision.

Important IE & IFS Topics of JAIIB Syllabus

Below, you’ll find the most important IE & IFS topics for each module from the official JAIIB Syllabus:

Module A: Indian Economic Architecture

• Overview of the Indian Economy: Basic Characteristics, World Bank classifications; pre-2008 vs post-2008 growth; “Hindu rate of growth”—definitions & implications.
• Sectors of the Economy: Roles of primary/secondary/tertiary; sunrise sectors—expect conceptual + example-based MCQs.
• Economic Planning & NITI Aayog: Five-Year Plans (evolution, outcomes) + Strategy for New India @ 75.
• Priority Sector & MSME: PSL categories and PSL targets—pure scoring.
• Infrastructure (incl. Social): Energy, power, transport (rail, road, aviation); flagship initiatives—know names + objectives.
• Climate & SDGs: India’s SDG progress; climate commitments (e.g., CoP26); CSR basics and notable initiatives.
• Foreign Trade & Investment: FDI vs FPI (FIIs), and recent trends.
• Economic Reforms: Financial-sector transformation; Narasimham Committee—who recommended what.

Module B: Economic Concepts Related to Banking — High Yield

• Micro/Macro Basics: 3 definitions of economics; economy types.
• Demand & Supply: Drivers behind demand; elasticity-style angles.
• Money Supply & Inflation: Measures of money, money multiplier, and velocity; CPI/WPI/GDP deflator—cover the exact definitions.
• Interest Theories: Keynes’ liquidity preference, and how policy moves rates.
• Business Cycles: Characteristics of a business cycle
• Monetary & Fiscal Policy: GDP and related concepts utility
• National Income & GDP: FDIs, FIIS, and Recent Trends
• Union Budget: Receipts vs expenditure—classification.

Module C: Indian Financial Architecture

• Indian Financial System overview: Nationalisation phases—timeline essentials.
• Indian Banking Structure: Types of banks—commercial, small finance, payments, RRBs, co-ops.
• Banking Regulation Act, 1949, and RBI Act, 1934: Paid-up capital, Board provisions, key regulatory powers.
• Development Financial Institutions: Purpose, positioning.
• Micro Finance Institutions: SHG-bank linkage, MFI evolution.
• NBFCs: Definitions, categories, prudential hints.
• Insurance Companies: Privatisation & FDI in the Insurance Sector
• Banking Reforms: Bad Bank (NARCL)—structure & rationale.

Module D: Financial Products & Services

• Markets Overview: Price discovery
• Money & Capital Markets: Notice/term money, Repo, LTRO/TLTRO.
• Fixed Income: Bond valuation basics with bond theorems; RBI Retail Direct Scheme.
• Forex: FEMA 1999 essentials.
• Market Interlinkages: Asian Clearing Union.
• Merchant Banking: Factoring/Forfaiting/TReDS, Venture Capital, Leasing/Hire Purchase.
• Credit Rating Agencies: Role & process.
• Insurance & Pensions: PMJJBY, PMSBY, APY/PPF/NPS—scheme features.
• REITs/InvITs: What they are, investor angle.

Important PPB Topics of JAIIB Syllabus

Here’s a module-wise breakdown of important PPB topics of the official JAIIB syllabus:

Module A: General Banking Operations

Banker–Customer Relationship (types, obligations).

• AML/KYC & PMLA: Reporting obligations; KYC for individuals; special customer categories (minors, joint, LLP, illiterate/blind).
• Deposits & Operations: Detailed joint account instructions and attachment orders.
• Operational Aspects of Handling Cash: Cash Operations & CTS.
• Banker’s Special Relationship: POA, Mandate, lien, appropriation.

• Remittances for Individuals: LRS, outward remittances.
• NRI Business: NRE/NRO/FCNR/SNRR—account features.
• Negotiable Instruments: NIA basics; paying/collecting banker, endorsement, crossing, dishonour.
• FCA for Residents: Foreign Currency Denomination A/Cs
• The Consumer Protection Act, 2019: DDs, lockers.
• RTI Act, 2005: RBI Integrated Ombudsman, Consumer Protection Act 2019; Right to Information 2005 (PIOs, appeals).

Module B: Functions of Banks

• Principles of Lending: Borrower types, facility types.
• Appraisal & Assessment of Credit Facilities: Detailed definitions
• Collateral & Charges: LTV, Immovable property, and types of charges.
• Modes of Charging: Entire chapter.
• NPAs/Stressed Assets: Asset classification, SMA, wilful defaulters—learn the table.
• Recovery Laws: Core provisions (SARFAESI/DRT overview appears later too).
• Guarantee & Indemnity: Types and liabilities.
• Letters of Credit: Types and Documents.
• Bills Finance: Classifications.
• Priority Sector: Targets/sub-targets.
• Agri Finance: KCC, PMFBY, MSP.
• MSMEs: Classification, TReDS, PM SVANidhi.
• Govt Schemes: Those in the news—keep a quick sheet.
• GHGs: Cover complete chapter.

Module C: Banking Technology

• Computerisation & Networks; EFT systems: NEFT/RTGS/SWIFT.
• Digital Banking & NPCI: UPI/IMPS/AEPS/NACH/BBPS—end-user flows.
• Tech Trends: AI, chatbots, blockchain, crypto, VR/AR, 5G—just the gist.
• Security: Vishing, smishing, malware, phishing—spot the difference.

Module D: Ethics

Ethics, Business Ethics & Banking: Ethics & Values

• Ethics at the Individual Level: Golden Rule, Ethical Dilemmas
• Employee dimensions: Insider trading, discrimination,
• Workplace ethics: Whistleblowing—principles & process.

Important AFM Topics of JAIIB Syllabus

Explore the AFM key topics, arranged module-wise per the official JAIIB syllabus.

Module A: Accounting Principles & Processes

• Accounting standards & concepts.
• Books & Ledgers; Rules of Debit/Credit.
• Bank Reconciliation Statement (BRS).
• Trial Balance, Errors & Rectification; Adjusting/Closing Entries.
• Depreciation (methods).
• Capital vs Revenue.
• Bills of Exchange (key terms).
• Back-office reconciliations; Bank audit & inspection (types).

Module B: Financial Statements & CBS

• Final Accounts: P&L and Balance Sheet prep.
• Company Accounts I & II: Types of companies; format of balance sheet.
• Cash Flow & Funds Flow: Components & interpretation.
• Banking Company Final Accounts: Disclosures and schedules.
• Core Banking Systems: Terms; pros/cons; accounting in CBS.

Module C: Financial Management

• FM Basics: Risk-return, ethics/social responsibility.
• Ratio Analysis: Different Types of Ratios
• Financial Math: Simple/compound interest, annuities.
• YTM & Bond Math: Theorems, price–yield relation, duration flavor.
• Capital Structure & Cost of Capital: WACC approaches.
• Lease Financing: Types and accounting hints.
• Working Capital: Operating cycle.
• Derivatives: Forwards/futures/options—plain-vanilla.

Module D: Taxation & Costing

• Taxation: TCS/TDS basics; deductions; deferred tax idea.
• Cost & Management Accounting: Methods & use-cases.
• Costing Methods: Where to apply what.
• Standard Costing: Variances—concepts.
• Marginal Costing: P/V ratio, BEP, MOS—frequent numericals.
• Budget & Budgetary Control: Types; control logic.

Important RBWM Topics of JAIIB Syllabus

Prioritize the following module-wise RBWM topics of the official JAIIB syllabus:

Module A: Retail Banking

• Intro & Characteristics: Pros/constraints.
• Role within Bank Ops: Business models.
• Retail vs Corporate/Wholesale: Distinctions—classic MCQs.
• Branch Profitability: ROA, ROE, operating efficiency, profit categories.

Module B: Retail Products & Recovery

Customer Requirements: Maslow—fast fixes.

• Product Development: Lifecycle; deposits/credit/3rd-party; product management.
• Credit Scoring: Models; CICs; operational issues.
• Retail Liabilities: Deposit types & features
• Retail Assets: PMAY, loan types.
• Cards: Debit/credit; co-branded angles.
• Remittances: NEFT/RTGS/ECS/NACH/BBPS/AePS—rails & limits.
• Digitisation: IDRBT, INFINET, SFMS, ISSL/ISCC, NFS—what they do.
• AI in Retail Banking: Benefits & sample use-cases.
• Recovery: SARFAESI, DRT, Lok Adalat—flow-of-process.
• MIS: Role in banking.
• Securitisation: Mechanics & purpose.

Module C: Support Services

Marketing Basics & 4Ps/7Ps.

• Delivery Channels: Branch, internet, mobile—CX cues.
• Delivery Models: DSAs, dedicated RMs/DMs.
• CRM: Implementation steps & benefits.
• Service Standards: BCSBI-style codes; grievance handling.
• MKIS: Functions & longitudinal view.

Module D: Wealth Management

Investment Management: Portfolio basics (risk/return, diversification).

• Wealth Management: Instruments & suitability.
• Tax Planning: Coverage across products.
• Other Bank-provided Financial Services: Complete overview.

What Next?

You've learned the most important topics for your JAIIB 2025 exam. Here's a simple plan for what to do next:

• Prioritize these important JAIIB syllabus topics in your daily study schedule.
• Try to complete important JAIIB syllabus topics at least 2 weeks before your JAIIB exam dates.
• Use those last 2 weeks only for revising.
• Practice mock tests and pay extra attention to questions from these important topics.