90 Days Preparation Tips for JAIIB May 2026: Study Plan & Strategy

Cracking the JAIIB exam while managing a full-time banking job is challenging—but completely achievable with the right plan. With just three months in hand, aspirants need clarity, structure, and discipline rather than random studying. Here is a realistic and result-oriented JAIIB 90 days study plan 2026, designed especially for candidates targeting the May 2026 cycle.

The JAIIB exam, conducted by the Indian Institute of Banking & Finance, tests not just theoretical knowledge but also conceptual understanding and application. A focused 90-day strategy can help you clear all papers in one attempt.

Understanding the JAIIB Exam Pattern 2026

Before starting preparation, it is important to clearly understand the JAIIB exam pattern 2026, as it directly impacts your study approach.

JAIIB Papers (2026)

• Indian Economy & Indian Financial System (IE & IFS)
  
  

• Principles & Practices of Banking (PPB)
  
  

• Accounting & Financial Management for Bankers (AFM)

Exam Format

• Objective-type multiple choice questions (MCQs)
  
  

• 120 questions per paper
  
  

• Total marks: 100 per paper
  
  

• Passing marks: 50
  
  

• No negative marking

Knowing this structure helps you plan accuracy-based attempts without fear of penalty.

90 Days Preparation Tips for JAIIB May 2026: Right Mindset

The biggest mistake aspirants make is underestimating consistency. The JAIIB May 2026 preparation strategy should focus on:

• Daily study (2–3 hours on weekdays, 4–5 hours on weekends)

• Concept clarity over rote learning

• Continuous revision and MCQ practice

Think of JAIIB as a marathon, not a sprint. Small daily progress compounds massively over 90 days.

JAIIB 3 Months Preparation Plan (90-Day Breakdown)

A structured JAIIB 3 months preparation plan can be divided into three logical phases:

Phase 1: Concept Building (Days 1–45)

• Finish all three subjects once
  
  

• Focus on understanding concepts
  
  

• Create short notes for revision

Phase 2: Practice & Strengthening (Days 46–70)

• Topic-wise MCQs
  
  

• Identify weak areas
  
  

• Improve speed and accuracy

Phase 3: Revision & Mock Tests (Days 71–90)

• Multiple revisions
  
  

• Full-length mock tests
  
  

• Exam-oriented polishing

This phased approach prevents burnout and last-minute panic.

JAIIB Subject-Wise Study Tips (Paper-Wise Strategy)

A smart JAIIB subject-wise study tips approach ensures balanced preparation across all papers.

Indian Economy & Indian Financial System (IE & IFS)

• Understand basic economic concepts first
  
  

• Focus on RBI functions, monetary policy, and financial markets.
  
  

• Revise current developments related to banking and the economy.

Tip: This paper is theoretical and scoring if revised regularly.

Principles & Practices of Banking (PPB)

• Core banking concepts, lending, and risk management
  
  

• Digital banking, KYC, AML, customer service
  
  

• Basel norms and priority sector lending

Tip: Link concepts with real banking scenarios for better retention.

Accounting & Financial Management (AFM)

• Accounting principles, ratios, and depreciation
  
  

• Costing basics and financial management
  
  

• Time value of money and capital budgeting

Tip: Practice numerical questions daily to avoid the fear of calculations.

JAIIB Important Topics for May 2026

Instead of reading everything equally, focus more on JAIIB important topics for May 2026, which historically carry higher weightage.

High-Priority Areas

• RBI & monetary policy
  
  

• Banking regulations and compliance
  
  

• Types of accounts and lending
  
  

• Financial statements and ratios
  
  

• Risk management and Basel norms
  
  

• Digital banking and payment systems
  
  

These topics are repeatedly tested and should be revised multiple times.

JAIIB Exam Preparation Schedule (Weekly Plan)

A practical JAIIB exam preparation schedule looks like this:

Weekdays (Monday–Friday)

• 1.5 hours: Concept study
  
  

• 30 minutes: MCQs + revision
  
  

Weekends (Saturday–Sunday)

• 3–4 hours: Deep study + backlog
  
  

• 1–2 hours: Mock tests or sectional tests

Consistency matters more than long study hours.

JAIIB Revision Plan 2026: How to Revise Smartly

Revision is where most aspirants fail. A proper JAIIB revision plan 2026 should be structured and repeated.

Ideal Revision Cycle

• 1st revision: Within 7 days of completing a topic
  
  

• 2nd revision: After one month
  
  

• Final revision: Last 15 days before the exam.

Use:

• Short notes
  
  

• Formula sheets
  
  

• One-page topic summaries

Avoid opening new books during the final 10 days.

JAIIB Time Management Tips for Working Professionals

Time is the biggest constraint. These JAIIB time management tips can help you stay on track:

• Study early morning or late night consistently
  
  

• Use commute time for revision videos or notes
  
  

• Set weekly targets, not vague goals
  
  

• Avoid over-planning; focus on execution

Remember, even 2 focused hours daily = 180 productive hours in 90 days.

Common Mistakes to Avoid During JAIIB Preparation

Aspirants must avoid these common mistakes during JAIIB preparation to perform well:

• Ignoring revision
  
  

• Studying only one subject excessively
  
  

• Skipping MCQ practice
  
  

• Relying solely on memorisation
  
  

• Leaving numericals for the end.

A balanced approach ensures steady progress.

Final 15-Day Strategy Before JAIIB May 2026 Exam

The last two weeks can make or break your result.

What to Do

• Revise all short notes
  
  

• Attempt full-length mocks
  
  

• Analyse mistakes carefully
  
  

• Focus on accuracy over speed
  
  

What Not to Do

• Start new topics
  
  

• Change study resources
  
  

• Panic due to mock scores

Confidence comes from preparation, not guesswork.