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JAIIB Preparation for November Cycle, Important Topics, Subject-wise Tips

JAIIB November 2025 exams are scheduled on 2nd, 8th, 9th, and 16th November. Focus on all four papers: IE&IFS, PPB, AFM, and RBWM. Prepare with a weekly study plan, revise high-weightage modules, and attempt topic-wise mock tests. Prioritize numerical practice for AFM and concept clarity in PPB (Principles & Practices of Banking).
authorImageSwati Kumar26 Aug, 2025
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JAIIB Preparation for November Cycle

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

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. 

Other Links Related to JAIIB 2025
JAIIB Registration JAIIB Exam Date
JAIIB Exam Pattern JAIIB Syllabus
JAIIB Eligibility Criteria JAIIB Passing Criteria
JAIIB Exam Centre List JAIIB Previous Year Question Papers
JAIIB Cut Off (Previous Year) JAIIB Salary

JAIIB Preparation for November Cycle FAQs

When are the JAIIB November 2025 exams scheduled?

JAIIB November 2025 exam dates are as follows: IE&IFS on 2nd November, PPB on 8th November, AFM on 9th November, and RBWM on 16th November 2025.

Who can appear for the JAIIB exam?

Candidates must be employed in the banking or financial sector with their employer being an institutional member of IIBF, and must have passed the 12th standard or its equivalent.

What is the pattern of the exam?

Each subject has 100 multiple-choice questions, and you get 2 hours per paper. There’s no negative marking, so you don't lose marks for wrong answers. Each paper is worth 100 marks.

What is the qualifying mark or passing criteria for JAIIB?

A minimum of 50 out of 100 marks in each subject is required. Alternatively, if you score at least 45 in each paper and a 50% aggregate in one attempt, you also qualify.

Can I choose to write the exam in Hindi or English?

Yes, you can pick either Hindi or English as your language when you sign up for the exam.
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