Hello Bankers,

Every aspiring bankers in India wants to clear the flagship exam JAIIB – Junior Associate of Indian Institute of Banking & Finance conducted by IIBF. Every year many young talented people irrespective of their graduation are newly recruited by all Scheduled Banks. All of them wanted to clear this exam and in general there are three types of bankers who want to clear this exam:

  1. Persons who want to clear it for Promotion,
  2. Persons who wants to clear it for Increment,
  3. Persons who wants to clear for acquiring knowledge. (Trust me they exist)

The reason for you to pass the exam may be anything but its good you want to start preparing for the exam and crack it. Every one needs motivation and inspiration to move forward in life. It is the motivation that most bankers don’t have. After the busy and hectic every day work, when a banker simply seeing the syllabus, he get frustrated and loses his hope especially non commerce students.

But you have to keep yourself motivated and keep your wish to pass the exam alive, until you crack the exam. To prepare for the exam we recommend four simple steps.

STEP-1: Enroll and apply for the exam

STEP -2 Know the structure of the exam

STEP -3 Understand the complete syllabus

STEP -4 Prepare for the exam.

Enroll for Ordinary Membership  and Apply for the exam:

First of all friends, you need to enroll yourself as an ordinary member in Indian Institute of Banking and Finance (IIBF) and then only you can register for the JAIIB exam.  IIBF offers four classes of membership based on the working experience and designation level of the candidate in the Banking establishments. Among them three classes of membership is for bank/FI employees.

  • Ordinary Membership – Entry Level open to any one working in Banking Organisation.
  • Associate Membership – This is for Senior Management atleast in the position of Chief Manager
  • Fellow Membership – Open for DGMs
  • Institutional Membership – This is for Banks ,Financial Institution and Institutions.

Ordinary Membership

It is a one time Life Membership meaning you have to enroll for only once and the membership is valid for life time. To appear for JAIIB and CAIIB exam the candidate must be an ordinary member of IIBF. Apart from it the following benefits are enjoyed by Ordinary members.

  • You will be eligible to appear for Institute examinations and courses by paying appropriate fees.
  • Fees Concession in Certificate Exams,
  • You will receive free newsletter called “IIBF vision” every month
  • Can avail the e-learning facility 
  • Can participate in workshops and seminars conducted by IIBF.

Eligibility Criteria

Employees of any Banks and Financial Institutions and other Institutional Members of IIBF.


The membership fees for ordinary members is Rs.1500/- + G. S.T Rs.270/- total Rs.1770/- for residents.

For oversea applicants the is US $150.

Mode of application: Online mode only and payment has to be made through online mode alone (DDs’ are not allowed).

After you have successfully enrolled for the membership you will get a mail for enrolment acknowledge along with membership ID and password for login to their website.This is sufficient for you to log on and register for the JAIIB exam. IIBF will send you the Permanent ID card within 45 to 60 days.  

Apply for the exam

After successful registration for ordinary life time membership is to apply for the exam online. Now the attempt pattern of the exam is changed, Here after there is no concept of block of attempts from this November 2017 session onwards. The applicant has to register and pay applicable fees in every attempt. The examination fee for every attempt is given in the bellow table.

No of Attempt Fees
For First attempt * Rs.2400/- + GST
For Second attempt Rs.1000/- + GST
For Third attempt Rs.1000/- + GST
For Fourth attempt Rs.1000/- + GST


So for the first attempt we have to pay examination fees of Rs.2400/- + Taxes. In total, you spend Rs.4000/- for appearing the JAIIB exam for the first time.

Why I recommend this as first step is because, I heard many of my colleagues saying their desire to prepare for the exam for one whole day, after getting fired from Officers/ Higher officials. Then after few days, if ask about their preparation for the exam they usually say, “Who will spend Rs.4000/-??”, ” I don’t have money now. Let me try after I get the Bonus/ OT”.

This step is very easy to do but we don’t have the heart to do. Because the moment of your desire to pass JAIIB will hardly last for few seconds or minutes or hours (may be for few days/months). But to sustain the fire you need to commit yourself within in it. Then only the desire will become as responsibility.

So once you spent some of your hard-earned money after restricting your monthly budget, you will be in a responsible position to prove your act by clearing the exam. So friends, Kindly enroll for the exam and don’t think it as an expense.  Think it as an investment which will fetch you good monthly returns (Increment) after six months (provided if you clear the exam 😉 ).

To enroll for ordinary membership Click here

If you are already a member of IIBF Click here to apply for the exam.

Know the structure of the exam:

The aim of conducting the exam is to provide basic knowledge to the persons working in banking & financial services for their day-to-day banking operations.

I am giving the snippets of the JAIIB exam structure in the following table. For full Rules & Syllabus for JAIIB Examination click here and download the JAIIB syllabus.


Structure of JAIIB exam Explanation 
  1. You should be an ordinary member of the Institute.
  2. You should have completed  matriculation examination or its Equivalent.
Exam Subjects/Papers
  1. Principles & Practices of Banking
  2. Accounting & Finance for Bankers
  3. Legal & Regulatory Aspects of Banking
  1. Each paper will have 120 objective type multiple choice questions.
  2. The total marks of the paper is 100. The marks to each question will be 0.50,1 and 2 depending upon the difficulty of the question.
  3. NO negative marks
Duration 2 hrs for each paper.
Mode Only through online at a specified center (it should be selected at the time of applying for the exam).

The center can be changed before the cut off date specified by the IIBF.

  1. January/February
  2. June/July

Note: For correct schedule of exam visit http://www.iibf.org.in

Medium Hindi or English (should be selected while applying for the exam itself)
Time Limit


 Two years (4 Consecutive attempts)
Examination fee The Block of attempts concept is now removed by IIBF. Hereafter we have to register for JAIIB exam every attempt and pay the applicable fees as described below.

For First attempt* – Rs.2400/- + GST

For Second attempt – Rs.1000/- + GST

For Third attempt – Rs.1000/- + GST

For Fourth attempt – Rs.1000/- + GST

*Note: Here the first attempt would mean 1st exam of the four consecutive exam (two years). So if you failed to clear the exam in two years then you have to pay Rs.2400/- again and appear for the first attempt of the next two years.


 Extended days of registration



Candidates can now apply for the exam if they missed the regular open period of registration by paying late fee of Rs.200/- + Taxes.

The period of extension for registration of the exam will be specified in the IIBF website schedule of the exam.


Passing mark for a subject
  1. Minimum pass mark is 50% in each subject.
  2. One exemption for clearing all papers in single attempt: In a single attempt, if you scored at least 45 marks in each subject with a total of 50% marks in all subjects of JAIIB examination you will also be declared as having passed JAIIB Examination.
 Passing of examination
  1. Getting minimum 50% of marks in each subject with in four consecutive attempts is declared as passing the exam.
  2. Getting minimum 45% of marks in each subject with an aggregate of 50% of marks in all subject in a single attempt is also declared as passing the exam.


Passing of JAIIB Exam : A common misconception among some bankers

I have seen many of my colleagues who are appearing for the exam for the 1st block ( first attempt/ 2nd attempt)  and score below 45 in one or two subjects. Then they won’t appear for the next paper saying “no use for appearing in the second or third paper, because I scored below 45 in one subject. So even if i clear remaining papers i won’t pass the exam”.

This is a completely wrong perspective/understanding about the structure of JAIIB exam. Since the passing tenure of the JAIIB exam is 2 years (4 consecutive attempts). If we scored minimum 50 marks in any one subject in one attempt of the first three consecutive attempts, then the passing credit for that subject is passed to the subsequent attempts.

Even if we have not cleared all of our papers in any first three consecutive attempts, we don’t need to appear for the cleared paper during the tenure of the exam. If a person has not cleared all the three papers in four consecutive attempts, then only the passing credit will be terminated. He/she have to appear for all the papers again for next tenure of two years.

So don’t lose the hope; Kindly attend all the papers in first three consecutive attempts irrespective of results (provided if you have score 50 or more in a paper). Since all are multiple choice questions, there is a possibility of passing the paper by luck. Then this passing credit is carried over to the next consecutive attempt.

Even if the person has scored below 50, he/she has acquired experience about the pattern of question. And he/she has tested their knowledge in that paper. Good Luck!!!