PROCEDURE FOR APPLYING FOR EXAMINATION & ADMIT CARD

Examination Application Forms will be available on the Institute’s

web site at www.iibf.org.in which could be downloaded and filled

in. The applications will be available at the Institute’s zonal offices,

Corporate Office and also at such other centres/offices as may be

notified from time to time. Examination Application Forms duly

filled in (for the detailed instructions refer the Examination

Application Form) alongwith requisite examination fee should be

submitted to the respective zonal office at Mumbai, Chennai, New

Delhi, Kolkata or at such other centres/offices as may be notified

from time to time. The Institute accepts no responsibility for delay

or inconvenience arising from the candidate’s failure to reach the

Examination Application Form in time or if the form is incomplete

or failure to furnish all the essential information about himself/

herself and the details of his/her examination.

ADMIT CARD

On-line Examination

1) The Institute will issue Examination Admit Card for every

examination containing details of venue and time of the

examination as well as User id, password to be used while

appearing at the examination.

2) The Examination Admit Card along with the Permanent

Membership Identity Card should be produced to the Examination

Authority each time in the examination hall for identification.

3) In absence of the Admit Card / Permanent Membership Identity

Card the candidate is liable to be denied permission in the

examination venue.

4) Permanent Membership Identity Card is issued by the respective

Zonal Office at the time of admission as a member or renewal of

membership or on receipt of examination application form

whichever is earlier.

5) Candidates will have to appear at the Centre which they choose

while applying for the examination first time and for the subsequent

examinations also. The venue for the examination will be advised

while issuing the Examination Admit Card. In case of any change

in centre due to transfer or any other valid reason, the candidate

should inform the Institute well in advance (at least one and half

month before the commencement of the examination) to enable

the Institute to intimate the changed venue.

6) The Institute reserves a right to close any of the existing centres

on account of less number of candidates appearing from that

centre or any other reason which it may think fit. In such case

candidates will be advised to appear from the nearest available

centre.

Off-line Examination

Institute’s zonal offices will send ‘Examination Admit Cards/Hall

Tickets’ containing the Examination dates, venue details, examination

time etc.

MEDIUM OF EXAMINATION

1) Candidates are allowed to write the examination either in Hindi

or English. They should fill in the Examination Application Form

in his/her own hand under his/her signature and indicate the choice

of medium as Hindi or English for answering the question paper.

In the absence of a clear indication about the medium opted by the

candidate, English will be presumed as the medium. In any case

change of medium will not be allowed at a later stage.

2) Answers to all questions in all subjects of an examination should

be written through chosen medium only, and it should be the

medium opted by the candidate in the Examination Application

Form for the examination. The candidates are not permitted to

answer different subjects in the same examination in different

mediums.

TIME LIMIT FOR PASSING THE EXAMINATION

a) A Candidate will be allowed to take up the first examination only

after 4 months from the date of registration for the examination

i.e. after submission of the Examination Application Form.

b) Candidates will be required to pass the examination within a time

limit of 2 years (i.e. 4 attempts). Initially a candidate will have to

pay examination fee for a block of one year i.e. for two attempts.

In case a candidate is not able to pass JAIIB / CAIIB Examination

within a time limit of one year, he can appear for a further period

of one year i.e. two attempts on payment of requisite fee.

c) Candidates not able to pass JAIIB / CAIIB Examination in the

stipulated time period of 2 years are required to enrol themselves

afresh by submitting a fresh Examination Application Form after

a cooling period of one year from the last attempt. Such candidates

will not be granted credit/s for subject/s passed if any earlier.

However, they will continue to be granted exemption in certain

subject/s based on the qualifications acquired by them earlier.

d) Attempts will be counted from the date of application irrespective

of whether a candidate appears at any examination or otherwise.

ELIGIBILITY

1. The Examination is open only to the ordinary members of the

Institute who are in employment of the Institutions which are

Institutional Members of the Institute provided individual and

institutional subscription is not in arrears.

2. New members are advised of the examination for which they are

eligible to appear while intimating their respective membership

numbers.

3. a) Candidates must have passed the matriculation examination

or its equivalent.

b) The Institute may, however at its discretion, allow any

candidate from clerical or supervisory staff cadre to appear

at the examination on the recommendation of the Manager

of the bank/ officer-in-charge of the bank’s office where the

candidate is working, even if he/she is not a matriculate or

its equivalent.

c) Subordinate staff of recognised Banking/Financial

Institutions in India, who are members of the Institute, are

eligible to appear at the examination, provided they have

passed the matriculation examination or its equivalent.

4. A candidate applying for CAIIB must have completed JAIIB or

Part I of the Associate examination under old syllabus.

5. The ex-employees of Banks/Financial Institutions who desire to

appear at and complete Associate Examination will be allowed to

appear for the Examination at the discretion of the Institute subject

to the following :

q The cessation of service is not due to reason of any

misconduct.

q The application is forwarded through the Institution in whose

employment the candidate was before ceasing to be in service

with their recommendations in the prescribed format, along

with a no objection certificate from the current employer.

Objectives & Syllabus & Subjects

OBJECTIVES:

JAIIB aims at providing maximum level of basic knowledge in

banking and financial systems, communication, and customer

relations, basic accountancy and legal aspects necessary for

carrying out day to day banking operation

SYLLABUS:

The details of the prescribed syllabus are furnished  in NEXT Post. 

Though a detailed syllabus has been prepared for all

the subjects, the same is only indicative and not exhaustive.

Keeping in view the professional nature of the examinations,

all matters falling within the realm of the subject concerned

will have to be studied by the candidate as questions can be

asked on all relevant matters under the subject. Candidates

appearing for the Associate Examination should particularly

prepare themselves for answering questions that may be asked

on the latest developments taking place under the various

subjects of the said examination although those topics may

not have been specifically included in the syllabus. The Institute

also reserves to itself the right to vary the syllabus/rules from

time to time. Any alterations made will be notified from time

to time.

SUBJECTS:

JAIIB

1. Principles of Banking

2. Accounting and Finance for Bankers

3. Legal aspects of Banking

The Power Of Positive Thinking

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UCO No-frills Savings Bank Account

In order to include a larger cross-section of the population, who are at the bottom of the pyramid, to avail of the banking services who could not avail of the same on account of some restrictive clauses, namely, minimum initial deposit for opening of the account which is difficult to arrange by such population, maintenance of minimum balance failing which charges are levied etc., it has been felt expedient to introduce a new Savings Deposit Scheme titled "UCO No-frills Savings Bank Account". The salient features of the scheme so designed are as follows :

1. Title of the Scheme - "UCO No-frills Savings Bank Account".
     
2. Initial deposit for opening the account and maintenance of minimum balance - The account can be opened with a minimum initial deposit of Rs.5/-. In case of cheque facility being availed by the account holder, the minimum initial balance should be Rs.250/-. In case of need, the balance in the account may be allowed to go even below the minimum initial deposit and the account may continue even with "Zero" balance.

Opening of Account under the scheme - The scheme is introduced in all metro, urban, semi-urban and rural categories of branches without making any differentiation with regard to amounts of initial deposit and maintenance of minimum balance as prevailing at present for opening of Savings Bank Accounts.

3. Eligibility for opening "No-frills Savings Bank Account" - The eligibility for opening "No-frills" Account will be the same as that for opening an ordinary Savings Bank Account. Persons above the age 10 and below 18 years and are able to read and write may also open a minor no-frills savings account in his own name or jointly with any other person.
     
4. Restriction of number of withdrawals/debit entries in "No-frills" Account - upto 25 debit entries in a half-year are allowed free in those accounts. In case the debit entries exceed 25 during a half-year, charges will be levied @ Rs.3/- per additional entry during a half-year.
    
5. Charges to be levied -
    
1. For accounts opened with initial deposits of Rs.250/- for having Cheque Book facility, in case the balance comes down below the initial deposit even upto zero balance, usual charge for non-maintenance of initial deposit shall be levied.
2. For standing instructions - no charge will be levied.
3. Collection of cheques and issuance of Demand Drafts/MTs are permitted in those accounts and normal charges are to be levied for those services.
4. For accounts with cheque book facility, one cheque book of 20 leaves to be provided free of charge in each year. Any additional requirement of cheque leaves during a year will attract a charge of Rs.2/- per cheque leaf.
5. No incidental and folio charges will be levied in these accounts.
6. All other charges for services as presently applicable for normal Savings Bank Account are to be levied and recovered.
      
6. Compliance of KYC Guidelines - Simplified KYC procedures for opening of Accounts as advised through Bank's Circular No. CHO/SUA/39/2005-06 dated 29.08.2005 may be adhered to. The salient features of the Circular are mentioned hereunder for ready reference :

In case, the person concerned who wants to open the account is not able to produce any of the specified documents, required to be verified at the time of opening of account to establish the identity and address of the customer, the account may be opened for those persons subject to compliance of the following :

1. Introduction from another account holder who has been subjected to full KYC procedure. The introducer's account with the bank should be at least six month old and should show satisfactory transactions. Photographs of the customer who proposes to open the account and also his address need to be certified by the introducer.

or

2. Furnishing any other evidence as to the identity and address of the customer to the satisfaction of the bank.

However, while opening such accounts the customer should be made aware that if at any point of time, the balance in all his/her accounts with the bank (taken together) exceeds Rs.50,000/- or total credits in the accounts exceed Rs.1.00 lakh in a year, no further transaction will be permitted in the account until full KYC procedure in regard to verification of identity and address of the customer through the documents as specified are complied with.