JAIIB Preparation for November Cycle: Candidates who are targeting for JAIIB or DBF exams for November 2025 must have started their JAIIB Preparation. The exam dates are 2nd, 8th, 9th, 16th November 2025. With July in the midway, and only 100-110 days left until the JAIIB November 2025, gear up your JAIIB November 2025 preparation strategy.
If we analyze the previous papers of May 2025, at least three papers, i.e., PPB, RBWM, and AFM, were a bit difficult. AFM was quite calculative. The Indian Economy and Indian Financial System have conceptual questions.
Compared to 2023, now the questions are focused more on concepts rather than MCQs. Thereby, candidates need to study concepts thoroughly and include constant revision in the JAIIB preparation for the November cycle.
JAIIB November 2025 Preparation Strategy
JAIIB Preparation for November Cycle must have a streamlined strategy to cover the topics efficiently. Since you are a working professional, time management is of utmost importance. Try to cover all four subjects thoroughly in this limited time frame. Here are some JAIIB November 2025 preparation strategies to assist you in your JAIIB preparation.
- Understand the Updated Syllabus: Start your JAIIB preparation for November cycle by reviewing the official syllabus for each paper and its corresponding module. This will give you clarity on what to study and prevent you from wasting time on irrelevant topics.
- Create a Realistic Study Plan: Since you are a working professional, it might get tedious to manage your time. To resolve this, create a realistic study plan that allocates enough time for each paper. Try to dedicate at least 1 hour before and after your working hours to studies. On holidays, increase your study time.
- Use Standard Study Materials: For your JAIIB Preparation for November cycle, use the IIBF’s official books and reference guides. Some of the recommended books are "Financial Management by IIBF", "Principles and Practices of Banking by IIBF", and "Indian Economy by Ramesh Singh".
- Make Notes for Revision: Prepare concise notes on the fundamental concepts in banking, retail banking, and financial management. Weekly, revise these notes to reinforce concepts. In the last 10-15 days, focus on rapid revisions from notes.
- Attempt Mock Tests: Practice with mock tests to get familiar with the exam pattern and different varieties of questions. This will improve your time management and help in identifying weak areas.
How to Prepare for JAIIB Nov 2025?
To effectively prepare for JAIIB (Junior Associate of the Indian Institute of Bankers), Nov 2025, here are some preparation tips.
- Starting with JAIIB Preparation for November Cycle, first read the whole syllabus of all papers and their modules comprehensively. The exam covers 1) Indian Economy & Indian Financial System, (2) Principles & Practices of Banking, (3) Accounting & Financial Management for Bankers, and (4) Retail Banking & Wealth Management. Each paper is further divided into 4 modules. Read the syllabus carefully for each module.
- Focus on improving your concepts. For Paper 1 (IE & IFS), you can learn about Indian economic architecture and banking regulations, and recent financial system developments.
- While preparing for Paper 3 of JAIIB, i.e., AFM, practice questions on accounting principles, fundamentals of taxes, and financial accounting principles. For JAIIB Nov 2025, focus equally on theories and numericals.
- Prioritize module-wise and topic-wise revision. Refer to the official syllabus to ensure that you have not left any modules. Focus more on modules like ‘Wealth Management’ in RBWM or ‘Ethics in Bank & Financial Institutions’ in PPB.
- Since only a qualification (50%) is required in the JAIIb exam, focus on high-yielding topics. Pay attention to modules and topics that are frequently asked in the exam.
JAIIB November Cycle Study Plan
Candidates up for JAIIB Preparation for the November Cycle must have a JAIIB November Cycle Study Plan distributed among all modules. Considering 16 weeks from July to November 2025, you need to have a strategy to ensure full coverage and effective revision of all four papers. Here is an example of the JAIIB November Cycle Study Plan for your reference. Go through it and accordingly plan your JAIIB November Cycle Study Plan.
JAIIB November Cycle Study Plan
|
Paper
|
Module
|
Suggested Time Allocation (Weeks)
|
Indian Economy & Indian Financial System (IE & IFS)
|
Module A: Indian Economic Architecture
|
1.5
|
Module B: Economic Concepts
|
1.5
|
Module C: Indian Financial System
|
1.5
|
Module D: Financial Regulators and Recent Developments
|
1
|
Principles & Practices of Banking (PPB)
|
Module A: General Banking Operations
|
1
|
Module B: Functions of Banks
|
1.5
|
Module C: Banking Technology
|
1.5
|
Module D: Ethics in Banking & Financial Institutions
|
1
|
Accounting & Financial Management for Bankers (AFM)
|
Module A: Business Mathematics & Finance
|
1.5
|
Module B: Principles of Bookkeeping & Accountancy
|
1.5
|
Module C: Financial Statements & Taxation
|
1.5
|
Module D: Banking Operations
|
1.5
|
Retail Banking & Wealth Management (RBWM)
|
Module A: Introduction & Forms of Retail Banking
|
1
|
Module B: Retail Product & Recovery
|
1.5
|
Module C: Marketing & Wealth Management
|
1.5
|
Module D: Technology, Risks, and Regulations
|
1
|
JAIIB Important Topics Nov 2025
Candidates starting with JAIIB Preparation for November Cycle must have a clear segregation of JAIIB Important Topics Nov 2025. Focus on high-weightage modules and frequently asked subject areas. A strategic focus on these important topics boosts the chances of securing the minimum qualifying marks required in each paper to qualify. Module-wise JAIIB Important Topics Nov 2025 are given below.
JAIIB Important Topics Nov 2025 for JAIIB IE & IFS Module A
JAIIB Important Topics Nov 2025 for JAIIB IE & IFS Module A
|
Chapters
|
Important Topics
|
Sectors of the Indian Economy
|
Sectors of the Indian Economy
|
Role of MSME and Priority Sector in the Indian Economy
|
PSL Norms and MSME Classification
|
Role of MSME and Priority Sector in the Indian Economy
|
Initiatives related to MSMEs
|
Infrastructure, including Social Infrastructure
|
Types of Infrastructure and related Government initiatives
|
Globalization – Impact on India
|
Globalization and De-Globalization
|
Economic Reforms
|
Reforms in India in 1991 & Narasimham Committee recommendations
|
Foreign Trade Policy, Foreign Investments, and Economic Development
|
Foreign Direct Investment (FDI) vs. Foreign Institutional Investment (FII)
|
Foreign Trade Policy, Foreign Investments, and Economic Development
|
Economic Growth vs. Economic Development
|
International Economic Organizations (World Bank, IMF, etc.)
|
International Economic Organizations – World Bank, IMF & WTO
|
Climate change, Sustainable Development Goals (SDGs)
|
Sustainable Development Goals (SDGs)
|
Climate change, Sustainable Development Goals (SDGs)
|
Corporate Social Responsibility (CSR)
|
JAIIB Important Topics Nov 2025 for JAIIB IE & IFS Module B
JAIIB Important Topics Nov 2025 for JAIIB IE & IFS Module B
|
Chapters
|
Important Topics
|
Microeconomics, Fundamentals of Economics, Types of Economies, and Macroeconomics
|
Definitions of Economics
|
Supply and Demand
|
Law of Demand
|
Money Supply and Inflation
|
Measures of Money Supply
|
Money Supply and Inflation
|
Money Multiplier and Velocity of Money
|
Money Supply and Inflation
|
Inflation and indices to measure inflation
|
Theories of Interest
|
Liquidity Preference Theory of Interest
|
Business Cycles
|
Phases of Business Cycles
|
Monetary Policy and Fiscal Policy
|
Role of RBI
|
System of National Accounts and GDP Concepts
|
Different measures of GDP
|
Union Budget
|
Deficits in the Budget
|
JAIIB Important Topics Nov 2025 for JAIIB IE & IFS Module C
JAIIB Important Topics Nov 2025 for JAIIB IE & IFS Module C
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Chapters
|
Important Topics
|
Overview of the Indian Financial System
|
Phases of Development in the Indian Financial System
|
Overview of the Indian Financial System
|
Bank Nationalization
|
Indian Banking Structure
|
Different types of banks and Fintech & TechFin
|
Banking Laws-Banking Regulation Act, 1949, Reserve Bank of India Act, 1934
|
Banking Regulation Act, 1949, Initial Sections of Reserve Bank of India Act, 1934
|
Development Financial Institutions
|
Features of Development Financial Institutions
|
Development Financial Institutions
|
National Bank for Financing Infrastructure and Development (NaBFID)
|
Development Financial Institutions
|
Export-Import Bank of India (EXIM Bank) and its initiatives
|
Development Financial Institutions
|
SIDBI Direct Loan Facilities
|
Non-Banking Financial Companies (NBFCs)
|
Scale-Based Regulation (SBR) of NBFCs
|
Indian Financial System Regulators and Their Roles
|
Role and Composition of IRDAI, PFRDA, and SEBI, and Role of RBI
|
Reforms & Developments in the Banking Sector
|
National Asset Reconstruction Company (NARCL)
|
Micro Finance Institutions
|
Types of Micro-Finance Institutions (MFIs)
|
Non-Banking Financial Companies (NBFCs)
|
Types of Non-Banking Financial Companies (NBFCs)
|
Insurance Companies
|
Insurance Penetration and Insurance Density
|
JAIIB Important Topics Nov 2025 for JAIIB IE & IFS Module D
JAIIB Important Topics Nov 2025 for JAIIB IE & IFS Module D
|
Chapters
|
Important Topics
|
Financial Markets
|
Price Discovery in Financial Markets
|
Money Markets
|
Bill Rediscounting Scheme (BRDS), Certificate of Deposit (CD), Notice money and Term money, Call money, Tri-party Repo, Treasury Bill, Commercial Paper
|
Capital Markets and Stock Exchanges
|
Red Herring Prospectus (RHP)
|
Fixed Income Markets-Debt and Bond Markets
|
Government Securities in India
|
Fixed Income Markets-Debt and Bond Markets
|
RBI Retail Direct Scheme (RDS)
|
Foreign Exchange Markets
|
Forex markets
|
Foreign Exchange Markets
|
Alternative Reference Rate (ARR)
|
Foreign Exchange Markets
|
Foreign Exchange Dealers’ Association of India (FEDAI)
|
Foreign Exchange Markets
|
FX Retail Platform
|
Foreign Exchange Markets
|
U.S. Dollar Index (USDX)
|
Interconnectedness of Markets and Market Dynamics
|
Interconnectedness
|
Merchant Banking Services
|
Merchant Banking
|
Derivatives Market
|
Definition and Types of Derivatives
|
Factoring. Forfaiting and Trade Receivables Discounting System (TReDS)
|
Bill Discounting vs. Factoring
|
Factoring. Forfaiting and Trade Receivables Discounting System (TReDS)
|
Trade Receivables Discounting System (TReDS)
|
Venture Capital
|
Venture Capital
|
Lease Finance and Hire Purchase
|
Types of Leasing
|
Lease Finance and Hire Purchase
|
Hire Purchase
|
Credit Rating and Credit Scoring
|
CIBIL Score and Credit Rating Symbols
|
Credit Rating and Credit Scoring
|
Credit Information Companies (CICs)
|
Mutual Funds
|
Mutual Funds and Types
|
Insurance Products
|
Government Initiatives related to Insurance
|
Insurance Products
|
Insurance Ombudsman
|
Pension Products
|
Employees’ Provident Fund Organisation (EPFO)
|
Pension Products
|
Pension Scheme (NPS), National and Atal Pension Yojana (APY), Government Initiatives related to Pension – Public Provident Fund (PPF)
|
Infrastructure Investment Trusts (InvITs) and Real Estate Investment Trusts (REITs)
|
Types & Regulations in Real Estate Investment Trust (REITs)
|
Real Estate Investment Trusts (REITs) and Infrastructure Investment Trusts (InvITs)
|
Types of Infrastructure Investment Trust (InvIT)
|
JAIIB Important Topics Nov 2025 for JAIIB AFM Module A
JAIIB Important Topics Nov 2025 for JAIIB AFM Module A
|
Chapters
|
Important Topics
|
Definition, Scope, and Accounting Standards, including IndAS
|
Accounting Standards
|
Basic Accountancy Procedures
|
Basic Principles of Accounting
|
Maintenance of Cash/Subsidiary Books and Ledger
|
Rules of Debit and Credit
|
Bank Reconciliation Statement
|
Bank Reconciliation Statement
|
Trial Balance, Rectification of Errors, and Adjusting & Closing Entries
|
Types of Errors and Suspense Account
|
Bills of Exchange
|
Bills of Exchange
|
Bank Audit & Inspection
|
Types of Bank Audits
|
JAIIB Important Topics Nov 2025 for JAIIB AFM Module B
JAIIB Important Topics Nov 2025 for JAIIB AFM Module B
|
Chapters
|
Important Topics
|
Company Accounts – I
|
Definition & Types of Companies
|
Cash Flow & Funds Flow
|
Components of Cash Flow
|
Company Accounts – I
|
Accounting for Share Capital
|
Final Accounts of Banking Companies
|
Disclosure Requirements of Banks
|
JAIIB Important Topics Nov 2025 for JAIIB AFM Module C
JAIIB Important Topics Nov 2025 for JAIIB AFM Module C
|
Chapters
|
Important Topics
|
Ratio Analysis
|
Different Types of Accounting Ratios
|
Financial Management – An Overview
|
Basics of Financial Management
|
Financial Mathematics – Calculation of YTM
|
Bond Theorem
|
Capital Structure & Cost of Capital
|
Approaches to Calculating Weighted Average
|
Capital Structure & Cost of Capital
|
Cost of Capital
|
Equipment Leasing/Lease Financing
|
Lease Agreements
|
Derivatives
|
Types of Derivatives
|
Working Capital Management
|
Sources of Finance for Working Capital
|
JAIIB Important Topics Nov 2025 for JAIIB AFM Module D
JAIIB Important Topics Nov 2025 for JAIIB AFM Module D
|
Chapters
|
Important Topics
|
Taxation: Income Tax / TDS / Deferred Tax
|
Deductions in Respect of Certain Incomes
|
Costing Methods
|
Types of Costing Techniques and Methods
|
Standard Costing
|
Standard Costing
|
Marginal Costing
|
Marginal Costing
|
Budgets and Budgetary Control
|
Budgetary Control System
|
JAIIB Important Topics Nov 2025 for JAIIB PPB Module A
JAIIB Important Topics Nov 2025 for JAIIB PPB Module A
|
Chapters
|
Important Topics
|
Banker Customer Relationship
|
Requirements to be Called a Bank
|
AML KYC Guidelines
|
Money Laundering
|
Opening Accounts of Various Types of Customers
|
Accounts of Other Customers
|
Operational Aspects of Deposit Accounts
|
Inoperative Accounts & Unclaimed Deposits
|
Operational Aspects of Deposit Accounts
|
Salient Features of Deposit Accounts
|
Operational Aspects of Handling Clearing/Collection/Cash
|
Security Measures at Branches & ATMs
|
Bankers’ Special Relationship
|
Banker’s Lien
|
Foreign Exchange Remittance Facilities for Individuals
|
Outward Remittances
|
Operational Aspects of NRI Business
|
Permitted A/Cs in India for NRIs & PIOs
|
Ancillary Services
|
Safe Deposit Lockers
|
Ancillary Services
|
Demand Draft
|
Operational Aspects of Deposit Accounts
|
Garnishee Order
|
JAIIB Important Topics Nov 2025 for JAIIB PPB Module B
JAIIB Important Topics Nov 2025 for JAIIB PPB Module B
|
Chapters
|
Important Topics
|
Principles of Lending, Different Types of Borrowers, and Types of Credit Facilities
|
Types of Borrowers
|
Appraisal and Assessment of Credit Facilities
|
Assessment of Working Capital and Term Loans
|
Operational Aspects of Loan Accounts
|
Credit Monitoring
|
Types of Collaterals and Their Characteristics
|
Types of Securities
|
Types of Collaterals and Their Characteristics
|
Advance Against Life Insurance Policy
|
Different Modes of Charging Securities
|
Types of Charges
|
Types of Collaterals and Their Characteristics
|
Loan Against Term Deposit
|
Different Modes of Charging Securities
|
Essentials of a Contract
|
Important Laws Relating to Recovery Of Dues
|
Insolvency & Bankruptcy Code, 2016
|
Different Modes of Charging Securities
|
Contract Consideration
|
JAIIB Important Topics Nov 2025 for JAIIB PPB Module C
JAIIB Important Topics Nov 2025 for JAIIB PPB Module C
|
Chapters
|
Important Topics
|
Essentials of Bank Computerisation
|
Networking Technologies in a Bank
|
Alternate Delivery Channels – Digital Banking
|
Electronic Banking
|
Alternate Delivery Channels – Digital Banking
|
Auto
mated Teller Machine
|
Data Communication Network and EFT Systems
|
Data Communication Networks
|
Data Communication Network and EFT Systems
|
Automated Clearing System
|
Data Communication Network and EFT Systems
|
Emergence of Electronic Payment Systems in India
|
Digital Payment Systems – NPCI
|
Electronic Clearing Systems in India
|
Digital Payment Systems – NPCI
|
National Payment Corporation of India
|
Impact of Technology Adoption and Trends in Banking Technology
|
Emerging Technology Trends in Banking
|
Security Considerations and Mitigation Measures in Banks
|
Information System Security
|
JAIIB Important Topics Nov 2025 for JAIIB PPB Module D
JAIIB Important Topics Nov 2025 for JAIIB PPB Module D
|
Chapters
|
Important Topics
|
Ethics, Business Ethics & Banking: An Integrated Perspective
|
Ethics & Business Values
|
Ethics, Business Ethics & Banking: An Integrated Perspective
|
Ethical Foundation of Banking
|
Ethics, Business Ethics & Banking: An Integrated Perspective
|
Ethics in Indian Context
|
Ethics, Business Ethics & Banking: An Integrated Perspective
|
Ethical Foundation of being a Professional
|
Ethics at the Individual Level
|
Personal Ethics & Business Ethics
|
Ethics at the Individual Level
|
Ethical Dilemmas
|
Ethical Dimensions: Employees
|
Managing Conflict of Interest
|
JAIIB Important Topics Nov 2025 for JAIIB RBWM Module A
JAIIB Important Topics Nov 2025 for JAIIB RBWM Module A
|
Chapters
|
Important Topics
|
Retail Banking: Introduction
|
Evolution of retail banking
|
Retail Banking: Introduction
|
Future of retail banking
|
Retail Banking: Role within the Bank Operations
|
Business Models
|
Applicability of Retail Banking Concepts and Distinction between Retail and Corporate/Wholesale Banking
|
Distinction between Retail and Corporate/Wholesale Banking
|
Branch Profitability
|
Business process structure
|
Branch Profitability
|
Introduction of branch profitability
|
Branch Profitability
|
ROA & ROE
|
Branch Profitability
|
Steps to improve branch profitability
|
JAIIB Important Topics Nov 2025 for JAIIB RBWM Module B
JAIIB Important Topics Nov 2025 for JAIIB RBWM Module B
|
Chapters
|
Important Topics
|
Customer Requirements
|
Maslow’s Theory
|
Important Retail Asset Products
|
Housing Loan under Prime Minister’s Awas Yojana (PMAY)
|
Recovery of Retail Loans
|
SARFAESI Act
|
Important Retail Liability Products
|
Demand Deposits
|
Important Retail Liability Products
|
Term Deposits
|
Recovery of Retail Loans
|
Defaults & Rescheduling
|
Remittance Products
|
RTGS, NEFT
|
Product Development Process
|
KYC Guidelines
|
Recovery of Retail Loans
|
Debt Recovery Agents – RBI Guidelines
|
Uses of AI and Technology in Retail Banking
|
Artificial Intelligence
|
Uses of AI and Technology in Retail Banking
|
Evolution of AI
|
Credit scoring
|
Credit Score
|
Branch Profitability
|
Net interest margin
|
Important Retail Liability Products
|
Inoperative accounts
|
Credit scoring
|
Type of Risks
|
Product Development Process
|
Basic Savings Bank Deposit Account (BSBDA)
|
Credit & Debit cards
|
Credit & Debit cards
|
Recovery of Retail Loans
|
Provisioning norms
|
Important Retail Liability Products
|
Form 15 G
|
Important Retail Asset Products
|
Central Sector Interest Subsidy (CSIS)
|
Important Retail Asset Products
|
Educational Loans
|
Important Retail Liability Products
|
Saving accounts
|
JAIIB Important Topics Nov 2025 for JAIIB RBWM Module C
JAIIB Important Topics Nov 2025 for JAIIB RBWM Module C
|
Chapters
|
Important Topics
|
Delivery Channels in Retail Banking
|
Mobile banking operations
|
Delivery Channels in Retail Banking
|
Point of sale terminal (POS)
|
Delivery Channels in Retail Banking
|
Internet Banking
|
Delivery Channels in Retail Banking
|
Automated Teller Machine
|
Delivery Channels in Retail Banking
|
Unified Payments Interface (UPI)
|
Digitisation of Retail Banking Products
|
Digital Lending
|
Delivery Channels in Retail Banking
|
MPIN
|
Marketing: An Introduction
|
Marketing in retail banking
|
Marketing: An Introduction
|
Process of marketing
|
Customer Relationship Management in Retail Banking
|
Customer Relationship Management
|
Marketing Information System- A longitudinal analysis
|
Marketing Mix
|
Delivery Models
|
Delivery Models
|
Marketing Information System- A longitudinal analysis
|
Components of a marketing information system
|
Delivery Channels in Retail Banking
|
BHIM App
|
Service Standard for Retail Banking
|
Banking codes and standards Board of India (BCSBI)
|
JAIIB Important Topics Nov 2025 for JAIIB RBWM Module D
JAIIB Important Topics Nov 2025 for JAIIB RBWM Module D
|
Chapters
|
Important Topics
|
Tax planning
|
Tax planning – Residential status
|
Tax planning
|
Income tax return – Important terms
|
Investment Management
|
Basics of investment management
|
Tax planning
|
Insurance
|
Importance of Wealth Management
|
Wealth management introduction
|
Importance of Wealth Management
|
Wealth management products
|
Tax planning
|
Capital gains tax
|
Other financial services provided by banks
|
Portfolio management vs investment banking
|
Other financial services provided by banks
|
Mutual fund
|
Tax planning
|
Short-term capital gain
|
Other financial services provided by banks
|
Portfolio Management Service
|
Importance of Wealth Management
|
Will Writing
|
Other financial services provided by banks
|
Para banking
|
JAIIB Subject-Wise Tips
Start your JAIIB Preparation for November Cycle as per the subjects. For each subject, segregate modules as per their priority and weightage in the exam. Start with the module that is frequently asked in the exam. For your JAIIB Preparation for November Cycle, given below are the JAIIB Subject-Wise Tips.
JAIIB IE & IFS Preparation for November Cycle
- The maximum questions is asked from Module D of the JAIID IE and IFS paper. Focus more on this.
- At first, you will find Module D difficult, but with constant revision, you will find it interesting and easy to study.
- Once completed with Module D, move on to Modules A and B. Note that Module B is the second-highest scoring module after D, so learning it well. Modules A and B are similar in context, so cover both together.
- Module A requires basic knowledge of economics. It will be easy to cover. Once done, start with Module B.
- After covering Modules A, B, and D, start with Module C. It has the least weightage in the paper and is time-consuming.
JAIIB AFM Preparation for November Cycle
- Modules A and C together comprise 65-75% the questions asked in this paper. So, prioritize these two modules over others.
- Next, for your JAIIB Preparation for November Cycle, start with Module D. From this section, easy questions are asked.
- In the end, if you have time, study Module B. It's not that important, so depending on your time limitation, you can also skip this.
- Solve as many numerical problems as possible from Modules A and D. Questions will be based on formulas, making them doable if candidates are well aware of the formulae and their applications.
JAIIB PPB Preparation for November Cycle
- Start with Modules A and B, since more than 60-65% questions are asked from these two modules.
- Modules C and D comprise 30-35% questions. Do not skip them and prioritize them after completing Modules A and B.
- Learn the fundamental concepts from Modules C and D. This will help you qualify with good marks.
JAIIB RBWM Preparation for November Cycle
- Start your JAIIB Preparation for November Cycle with Module B, because most questions (about 36) in the May 2024 exam came from this part. Focusing here first lets you cover the topics that can give you the highest marks and helps you feel confident.
- Next, move on to Module D, since nearly 29 questions came from it. Studying in this order ensures you understand the main ideas before moving ahead.
- After finishing B and D, you can work on Modules C and A, as these had the fewest questions in the exam (25 and 10, respectively). This way, you’re tackling the most important sections first before moving to the less-asked ones.