JAIIB Mock Test: Junior Associate of the Indian Institute of Bankers (per paper)
Up to 30 full-length mock tests of 100 questions each, built on the official syllabus, with an explanation for every answer.
About the JAIIB exam
JAIIB is the Indian Institute of Banking & Finance's associate examination for bank employees. Its papers cover the Indian economy and financial system, principles and practices of banking, accounting and financial management for bankers, and retail banking and wealth management.
Who should take it: Bank employees who are IIBF members and want the JAIIB qualification for career progression and increments.
JAIIB exam pattern
| Questions | 100 multiple-choice questions |
|---|---|
| Total marks | 100 |
| Duration | 120 minutes |
| Passing score | 50% |
| Negative marking | No negative marking |
Indicative pattern. Exam bodies revise patterns — confirm the details in the latest official notification before your exam.
Syllabus covered in our JAIIB question bank
Our 50-question bank for JAIIB covers every section below. Mock tests mix questions across all of them in the same proportion as the real paper.
- Indian Economy & Indian Financial System13 practice questions
- Principles & Practices of Banking13 practice questions
- Accounting & Financial Management for Bankers12 practice questions
- Retail Banking & Wealth Management12 practice questions
Free JAIIB sample questions
Try five questions from our bank. Each mock test gives you 100 like these, with your score, chapter-wise analysis and explanations at the end.
Fiscal deficit of the government is:
- Revenue expenditure minus revenue receipts
- Total expenditure minus total receipts including borrowings
- Interest payments minus tax revenue
- Total expenditure minus (revenue receipts plus non-debt capital receipts)
Show answer & explanation
Answer: D. Total expenditure minus (revenue receipts plus non-debt capital receipts)
Fiscal deficit measures the total borrowing requirement: expenditure not covered by revenue and non-debt capital receipts.
With respect to a savings bank deposit, the relationship between the bank and the customer is primarily that of:
- Creditor (bank) and debtor (customer)
- Trustee and beneficiary
- Agent and principal
- Debtor (bank) and creditor (customer)
Show answer & explanation
Answer: D. Debtor (bank) and creditor (customer)
The bank owes the deposited money to the customer, so the bank is the debtor and the depositor the creditor.
₹1,00,000 is invested at 10% per annum compounded annually. The amount after 2 years is:
- ₹1,20,000
- ₹1,21,000
- ₹1,10,000
- ₹1,22,000
Show answer & explanation
Answer: B. ₹1,21,000
A = 1,00,000 × (1.10)² = 1,00,000 × 1.21 = ₹1,21,000.
Under RBI norms, the maximum loan-to-value ratio for an individual housing loan up to ₹30 lakh is:
- 75%
- 90%
- 80%
- 100%
Show answer & explanation
Answer: B. 90%
LTV caps are 90% for loans up to ₹30 lakh, 80% for above ₹30 lakh up to ₹75 lakh, and 75% above ₹75 lakh.
GDP at market prices is ₹250 lakh crore, indirect taxes are ₹30 lakh crore and subsidies ₹10 lakh crore. GDP at factor cost is:
- ₹210 lakh crore
- ₹230 lakh crore
- ₹270 lakh crore
- ₹290 lakh crore
Show answer & explanation
Answer: B. ₹230 lakh crore
Factor cost = market price − net indirect taxes = 250 − (30 − 10) = ₹230 lakh crore.
JAIIB mock test plans
Every plan unlocks one full-length mock test per day of the plan. Prices include GST.
| Plan | Mock tests | Questions | Price |
|---|---|---|---|
| 10 Days | 10 mock tests | 1,000 questions | ₹199 incl. GST |
| 15 Days | 15 mock tests | 1,500 questions | ₹279 incl. GST |
| 20 Days Popular | 20 mock tests | 2,000 questions | ₹349 incl. GST |
| 30 Days Best value | 30 mock tests | 3,000 questions | ₹449 incl. GST |
Official resources
Links open the official website. We do not host or alter official material.
JAIIB mock test FAQs
How many questions are there in the JAIIB exam?
The JAIIB paper has 100 multiple-choice questions for 100 marks, to be completed in 120 minutes. This is the indicative pattern — always confirm it in the latest official notification.
Is there negative marking in JAIIB?
No. There is no negative marking, so attempt every question. Our mock tests apply the same rule.
What is the pass mark for JAIIB?
You need 50% to pass. Our mock tests show pass or fail against the same mark.
How many JAIIB mock tests do I get?
One full-length mock test is unlocked for each day of your plan: 10, 15, 20 or 30 mock tests on the 10 Days, 15 Days, 20 Days or 30 Days plans. You can retake any unlocked test while your plan is active.
Are these the actual exam questions?
No. Every question is an original practice question written to match the official syllabus and the exam's style. Reproducing real exam questions is not permitted, and we do not do it.
Where can I get the official JAIIB study material?
The official syllabus and notifications are published by the conducting body — see the Official resources section on this page.