This comprehensive 5-day strategy has been designed by Ashish Jain, a leading JAIIB & CAIIB faculty from Learning Sessions, to help banking professionals prepare smartly for JAIIB 2025.
The plan focuses on Principles & Practices of Banking (PPB) and Accounting & Financial Management (AFM), covering important modules, topics, and PDFs to ensure that even working bankers can manage effective revision within limited time.
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🎯 Exam Overview
The JAIIB Exam consists of three papers, each carrying 100 marks with a minimum passing score of 50.
This 5-day plan targets two subjects – PPB and AFM – with 5–6 hours of daily study time, ensuring balanced preparation.
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- Exam Type: Objective (MCQs)
- Subjects Covered: PPB & AFM
- Total Questions: 100 per paper
- Passing Marks: 50
- Recommended Study Time: 5 hours/day for 5 days
🏦 Principles & Practices of Banking (PPB)
📘 Module-Wise Priority Order
1️⃣ Module B – Lending & Credit Operations (Highest Priority)
Module B carries approximately 35–43 marks and is the most scoring section of PPB. It covers practical aspects of lending, advances, and recovery, making it crucial for exam success.
- Credit Facilities – Term Loans, Cash Credit, Overdrafts
- NPA Classification and Recovery Mechanisms
- MSME, Priority Sector Lending (PSL) Guidelines
- Types of Securities – Pledge, Hypothecation, Mortgage, Lien, Set-off
- Government Sponsored Schemes – PMEGP, PMJDY, PMAY, NRLM, NULM
- Banker’s Rights – Set-off, Appropriation, Garnishee & Attachment Orders
- Legal Recovery Channels – SARFAESI Act, DRT, DRAT, Lok Adalat
Chapters you can skip: 22, 23, 24 (Operational Aspects of Loan Accounts).
2️⃣ Module A – Indian Financial System (Second Priority)
With 21 chapters and a weightage of around 25–30 marks, Module A focuses on theoretical and legal aspects of banking.
- Banker-Customer Relationship
- KYC – Customer Identification, Risk Categorisation, AML
- Negotiable Instruments Act, 1881
- Foreign Exchange Regulations (FEMA, FEDAI, Forex Accounts)
- Consumer Protection Act & Integrated Ombudsman Scheme 2021
Can Skip: Chapters 11, 16, and 17 (Customer Service, Financial Literacy, Cash Management).
3️⃣ Module C – Banking Technology (Moderate Priority)
- Essentials of Computerisation
- Alternate Delivery Channels (ATM, POS, Internet Banking, Mobile Banking)
- Digital Payment Systems (UPI, IMPS, AEPS, NETC, BBPS)
- Emerging Technologies – AI, ML, Blockchain, CBDC, FinTech, RegTech
4️⃣ Module D – Ethics in Banking (Low Priority)
- Corporate Governance
- Business Ethics and Professional Code of Conduct
- Trusteeship and Whistleblower Policies
- Digital Rights Management and Intellectual Property Rights (IPR)
📊 Accounting & Financial Management (AFM)
📘 Module-Wise Priority Order
1️⃣ Module C – Most Important (Practical Section)
This module contributes around 29–41 marks and includes numerical topics that are repeatedly asked in every exam.
- Ratio Analysis (Liquidity, Solvency, Profitability Ratios)
- Interest & Annuity Calculations
- Foreign Exchange Arithmetic
- YTM (Yield to Maturity)
- Capital Structure & Cost of Capital
- Investment Decisions – NPV, IRR, Payback Period
- Equipment Leasing & Derivatives
- Working Capital Management (Tandon & Nayak Committee)
Study Time: 2–2.5 days (around 3 hours daily).
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2️⃣ Module A – Accounting Basics (Second Priority)
Focus on the first eight chapters covering accounting principles, standards, and recording processes.
- Definition & Scope of Accounting
- Journal, Ledger, Trial Balance
- Accounting Standards (AS & Ind AS)
- GAAP, IFRS, and Financial Statements
Can Skip: Chapters 9–11 (Audit, Inspection, Back-Office Operations).
3️⃣ Module D – Taxation & Costing
- Direct and Indirect Taxes (TDS, GST – Updated 2025)
- Costing Methods (Marginal, Standard, Budgetary Control)
- Cost-Volume-Profit Analysis
4️⃣ Module B – Optional Revision
- Preparation of Final Accounts
- Balance Sheet Equation
- Profit & Loss Adjustments
📆 5-Day Study Plan
| Day | Focus Area | Duration | Modules Covered |
|---|---|---|---|
| Day 1 | AFM Module C – Ratio Analysis, Interest, Annuity | 2.5–3 hours | AFM |
| Day 2 | AFM Module C – Capital Structure, Derivatives, Working Capital | 2.5–3 hours | AFM |
| Day 3 | AFM Module A – Accounting Basics & Standards | 3 hours | AFM |
| Day 4 | PPB Module B – Lending, NPA, MSME, PSL | 3 hours | PPB |
| Day 5 | PPB Module A & C – KYC, Negotiable Instruments, Digital Banking | 3 hours | PPB |
💬 Key Preparation Tips
- Focus on conceptual clarity, not rote learning.
- Revise every night using short notes or PDFs.
- Attempt at least one mock test after every two modules.
- Watch bilingual (Hindi-English) classes for tricky concepts like Forex, YTM, and Derivatives.
- Highlight numerical formulas separately for AFM.
📌 Final Words
This 5-day plan provides a structured approach for bankers aiming to clear JAIIB in one attempt. By following this module-wise schedule, prioritizing high-weight topics, and revising strategically, aspirants can confidently target both PPB and AFM papers.
Consistency and smart study are key — focus on daily revisions, mock test analysis, and understanding core banking laws. With Ashish Jain’s bilingual sessions and updated PDFs, success is within your reach!
