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JAIIB Retail Banking and Wealth Management Exam Paper 4 - Hindi100 questions • 120 mins • 100 marks
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JAIIB Retail Banking and Wealth Management
Combo - 1 Paper 4 (English old)
1. Online Mock Test Series in English = 10 Tests.
2. Question Bank - 1200 Questions with Answer.
3. 1500 (+) Current Affairs MCQ with Answer PDF in English
4. 1000 (+) GK MCQ with Answer PDF Book in English
2. Question Bank - 1200 Questions with Answer.
3. 1500 (+) Current Affairs MCQ with Answer PDF in English
4. 1000 (+) GK MCQ with Answer PDF Book in English
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JAIIB Retail Banking and Wealth Management
Combo - 1 Paper 4 (Hindi)
1. Online Mock Test Series in Hindi = 10 Tests.
2. Question Bank - 1200 Questions with Answer.
3. 1500 (+) Current Affairs MCQ with Answer PDF in Hindi.
4. 1000 (+) GK MCQ with Answer PDF Book in Hindi.
2. Question Bank - 1200 Questions with Answer.
3. 1500 (+) Current Affairs MCQ with Answer PDF in Hindi.
4. 1000 (+) GK MCQ with Answer PDF Book in Hindi.
₹201₹231
Combo Package
JAIIB Retail Banking and Wealth Management
Combo - 2 Paper 4 (English)
1. Online Mock Test Series in English = 10 Tests.
2. Question Bank - 1235 Questions with Answer.
3. 1500 (+) Current Affairs MCQ with Answer PDF in English.
4. 1000 (+) GK MCQ with Answer PDF Book in English.
2. Question Bank - 1235 Questions with Answer.
3. 1500 (+) Current Affairs MCQ with Answer PDF in English.
4. 1000 (+) GK MCQ with Answer PDF Book in English.
₹201₹231
Combo Package
JAIIB Retail Banking and Wealth Management
Combo - 3 Paper 4 (Hindi)
1. Online Mock Test Series in Hindi = 10 Tests.
2. Question Bank - 1200 Questions with Answer.
3. Printed Material 10 Mock Test Papers with OMR Sheet.
4. 1500 (+) Current Affairs MCQ with Answer PDF in Hindi.
5. 1000 (+) GK MCQ with Answer PDF Book in Hindi.
2. Question Bank - 1200 Questions with Answer.
3. Printed Material 10 Mock Test Papers with OMR Sheet.
4. 1500 (+) Current Affairs MCQ with Answer PDF in Hindi.
5. 1000 (+) GK MCQ with Answer PDF Book in Hindi.
₹621₹741
Combo Package
JAIIB Retail Banking and Wealth Management
Combo - 4 Paper 4 (English)
1. Online Mock Test Series in English = 10 Tests.
2. Question Bank - 1235 Questions with Answer.
3. Printed Material 10 Mock Test Papers with OMR Sheet.
4. 1500 (+) Current Affairs MCQ with Answer PDF in English.
5. 1000 (+) GK MCQ with Answer PDF Book in English.
2. Question Bank - 1235 Questions with Answer.
3. Printed Material 10 Mock Test Papers with OMR Sheet.
4. 1500 (+) Current Affairs MCQ with Answer PDF in English.
5. 1000 (+) GK MCQ with Answer PDF Book in English.
₹621₹741
Combo Package
JAIIB Retail Banking and Wealth Management
Combo - 5 Paper 4 (Hindi)
1. Online Mock Test Series in Hindi = 10 Tests.
2. Question Bank - 1200 Questions with Answer.
3. Printed Material 10 Mock Test Papers with OMR Sheet.
4. EBook of JAIIB Retail Banking and Wealth Management (1000 MCQ) PDF Format in Hindi.
5. 1500 (+) Current Affairs MCQ with Answer PDF in Hindi.
6. 1000 (+) GK MCQ with Answer PDF Book in Hindi.
2. Question Bank - 1200 Questions with Answer.
3. Printed Material 10 Mock Test Papers with OMR Sheet.
4. EBook of JAIIB Retail Banking and Wealth Management (1000 MCQ) PDF Format in Hindi.
5. 1500 (+) Current Affairs MCQ with Answer PDF in Hindi.
6. 1000 (+) GK MCQ with Answer PDF Book in Hindi.
₹721₹921
Combo Package
JAIIB Retail Banking and Wealth Management
Combo - 6 Paper 4 (English)
1. Online Mock Test Series in English = 10 Tests.
2. Question Bank - 1235 Questions with Answer.
3. Printed Material 10 Mock Test Papers with OMR Sheet.
4. EBook of JAIIB Retail Banking and Wealth Management Exam (1000 MCQ) PDF Format in English.
5. 1500 (+) Current Affairs MCQ with Answer PDF in English.
6. 1000 (+) GK MCQ with Answer PDF Book in English.
2. Question Bank - 1235 Questions with Answer.
3. Printed Material 10 Mock Test Papers with OMR Sheet.
4. EBook of JAIIB Retail Banking and Wealth Management Exam (1000 MCQ) PDF Format in English.
5. 1500 (+) Current Affairs MCQ with Answer PDF in English.
6. 1000 (+) GK MCQ with Answer PDF Book in English.
₹721₹921
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JAIIB Retail Banking and Wealth Management Syllabus 2026, Exam Pattern
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JAIIB Retail Banking and Wealth Management Syllabus 2026, Exam Pattern, Exam Date 2026
Detail Information about JAIIB has published notification 2026 for the Notification of Retail Banking and Wealth Management (Paper 4) vacancies. Those Candidates who are Interested to the following vacancy and completed all Eligibility Criteria can read the Notification & Apply Online. In this page we provide the Complete Syllabus of this Notification with Latest Update Exam Pattern and the Exam Date also.
Module A – Retail Banking :
Retail Banking: Introduction :
1. Characteristics of Retail Banking
2. Advantages of Retail Banking
3. Constraints in Retail Banking
4. Evolution of Retail Banking
5. Prerequisite for Success of Retail Banking
6. Challenges for Retail Banking Future of Retail Banking
Retail Banking : Role within the Bank Operations :
1. Business Models
Applicability of Retail Banking Concepts and Distinction between Retail and Corporate/Wholesale Banking :
1. Applicability of Retail Banking Concepts; Distinction between Retail and Corporate/ Wholesale Banking
Branch Profitability :
1. Banking System: An Introduction
2. Banking in India
3. What is Profitability?
4. What is Profit?
5. Gross Profit
6. Operating Profit and Net Profit
7. Profit and Profitability in the context of Banking
8. Traditional Measures of Profitability
9. The ROA (Return on Asset)
10. Return on Equity (ROE) for Banks
11. Branch Operating Efficiency
12. Strategies for Improving Efficiencies of Banking Operations
13. Factors Affecting Profitability of Banks in India
14. Profitability Analysis of Bank Branches
15. Steps to Improve Branch Profitability
16. Essential Factors to Make Continuous Improvement in Profitability
Module B – Retail Products and Recovery :
Customer Requirements :
1. Maslow’s Theory and Customer Requirements
2. Customer Requirements about Service Quality
Product Development Process :
1. Product Development Process
2. Product Life Cycle
3. Product Lines of a Banker
4. Deposit Products or Liability Products
5. Credit Products or Asset Products
6. Other Products and Services
7. Other Fee Based Services – Distribution of third party products
8. New Product Development
9. Stages in New Product Development
10. Constraints in New Product Development
11. Product Management
12. Product Policy
Credit Scoring :
1. What is a Credit Score?
2. Evolution of Credit Scoring
3. What is a Good Credit Score?
4. Credit Scoring Model
5. Managing the Credit Score
6. Positive Side of Credit Score
7. Warning Signs in Credit Score
8. Credit Information Companies in India
9. Issues in Credit Scoring
10. Mistakes in Credit Scoring
11. Troubleshooting Credit Score
Important Retail Liability Products :
1. Demand Deposits: An Introduction
2. Current Deposit: An Introduction
3. Main features of Current Deposit Account
4. Advantage of Current Deposit Account
5. Documents required for opening various types of Current Accounts
6. Opening of Current Account
7. Operational Instructions in Current Account
8. Transfer of Accounts
9. Inoperative Accounts
10. Closure of Current Account
11. Savings Bank Account: An Introduction
12. Advantages and Importance of Savings Bank Deposits to Customers
13. Who Can Open a Savings Bank Account?
14. Deregulation of interest in Savings Deposit Account
15. Maintenance of Balance in Savings Bank Account and Interest Payment
16. Restrictions on Transactions in SB Account
17. Services offered in Savings Bank Accounts
18. Time Deposit – An Introduction
19. Periodicity of Time Deposit
20. Operational instructions
21. Interest on Fixed Deposit
22. Term Deposit accounts of minors
23. Premature Payment of FD
24. Operational Issues of FD
25. Advances Against Bank’s own Time Deposit Receipts
26. Renewal of FD
27. Recent Rule of RBI on overdue FD
28. Form 15 G/ 15 H
29. Deposit of TDS to Income Tax Department by Banks
30. 2 in 1 Account
31. Recurring Deposit (RD)
Important Retail Asset Products :
1. Home Loans
2. Housing Loan under Prime Minister’s Awas Yojana (PMAY)
3. Home Improvement Loans
4. Home Decor Loans
5. Auto/Vehicle Loans
6. Personal Loans
7. Educational Loans
8. Other Retail Loans
9. Processing of Retail Loans
Credit and Debit Cards :
1. Credit Cards
2. Charge Cards
3. Pre-paid Cards
4. Debit Cards
5. Co-branded Cards
6. Contactless Cards
Remittance Products :
1. Electronic Payment Systems
2. National Electronic Funds Transfer (NEFT)
3. Real Time Gross Settlement (RTGS)
4. Electronic Clearing Services (ECS)
5. National Automated Clearing House (NACH) System
6. Aadhaar enabled Payment System (AePS)
7. Bharat Bill Payment System (BBPS)
8. Benchmarking India’s Payment System
Digitisation of Retail Banking Products :
1. Technology in Retail Banking
2. Technology Processes in Retail Banking
3. Some Important User Friendly Features
4. Customer Analytics
5. Institute for Development and Research on Banking Technologies (IDRBT)
6. Indian Financial Network (INFINET)
7. Structured Financial Messaging System (SFMS)
8. National Financial Switch (NFS)
9. Indian Banking Community Cloud (IBCC)
10. Wealth Management Solutions
11. Digital Lending
Role of AI and Technology in Retail Banking :
1. Dimensions of Banking Technology
2. Banking Today
3. Relationship between Banking and Technology
4. Evolution of Banking Technology
5. A New Era in Banking
6. Evolution of Banking Technology in India
7. Challenges towards adoption of Technology by Indian Banks
8. Technology in Retail Banking
9. Benefits of Technology in Retail Banking
10. Artificial Intelligence (AI)
11. Difference between Artificial Intelligence (AI) and Automation
12. Evolution of Artificial Intelligence
13. Artificial Intelligence Industry in India
14. Artificial Intelligence in Indian Banking Industry
15. Indian Banks and the Technology
16. Why AI in Banking Industry?
17. Benefits of Artificial Intelligence Technology in Banking and Finance
18. Artificial Intelligence in Retail Banking
19. Artificial Intelligence in Retail Banking in India
20. The Challenges Facing India’s AI Development
21. Benefits of AI in Retail Banking
Recovery of Retail Loans :
1. Repayment in Retail Loans
2. Default and Re-scheduling in Retail Loans
3. Monitoring of Loan Accounts
4. Classification of Irregular Loan Accounts
5. Recovery Policy of Banks
6. Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act)
7. Debt Recovery Tribunal (DRT)
8. Recovery through Lok Adalat
9. Engaging Direct Recovery Agents
Management Information Systems :
1. The main elements of MIS
2. Role of Management Information Systems
3. Role of MIS in Improving decision making
4. Role of MIS in Banking Industry
5. Designing MIS for a Bank
6. Issues Related to Management Information System (MIS)
7. Suggestions for Solution to MIS related Issues
Securitization : Securitization of Assets
Module C – Support Services – Marketing Of Banking Services/Products :-
Marketing – An Introduction :
1. Marketing in Retail Banking
2. Marketing Mix in Retail Banking
Delivery Channels in Retail Banking :
1. Channel Experience
2. Physical/Direct Channels – Branch
3. Automated Teller Machines
4. Point of Sale Terminal
5. Mobile Banking
6. Internet Banking
7. Customer’s Liability on Unauthorized Electronic Transactions
Delivery Models :
1. Delivery Models
2. Internal Customers – Staff at the Branch Level
3. Dedicated Marketing Managers
4. Direct Selling Agents (DSAs)
5. Tie-up with Institutions/OEMs/Dealers, etc.
Customer Relationship Management in Retail Banking :
1. Customer Relationship Management in Retail Banking
2. Why CRM?
3. Implementation Aspects of CRM in Banks
4. Implementation Process of CRM in Banks
5. Implementation Stages in CRM
6. Benefits of CRM
7. Impact of CRM on Customer Satisfaction
Service Standards for Retail Banking :
1. Members of BCSBI
2. Main Aims and Objects
3. Code of Banks’ Commitment
4. Code of Banks Commitment to Micro and Small Enterprises
5. Function of BCSBI
6. Code Compliance Rating
7. Customer Grievances Handling Mechanism
8. General Information
Marketing Information Systems- A Longitudinal Analysis :
1. Functions of MKIS
2. Components of MKIS
3. The MKIS Model
4. Observations
5. Usage of Computers in MKIS
6. Supports for Marketing Management
7. Supports for Marketing Mix Decisions
8. Use of Decision Models
9. Performance of MKIS
10. Recommendations
11. Advantages of MKIS
Module D – Wealth Management :-
Importance of Wealth Management :
1. Wealth Management – Broad View
2. Wealth Management Business Structures
3. Wealth management process
4. Wealth Management Products and Services
5. Alternative asset
6. Bond
7. Insurance
8. Mutual fund
9. Real estate Service
10. Retirement Planning
11. Strategic Business Strategy
12. Will Writing
13. Private Wealth Management
14. Personal Financial Planning
15. Wealth Management Assessment
16. Private Banking
17. Benefits of Wealth Management
18. Importance of Wealth Management
Investment Management :
1. Element of Investment
2. Basics of Investment Management
3. Steps in Investment Management
4. Investment Banking
5. Services being offered by Full-service Investment Banks
6. Investment Bank Organizational Structure
7. Investment Management Vs Investment Banking
8. Portfolio Management
9. Objectives of Portfolio Management
10. Key Elements of Portfolio Management
11. Portfolio Management Vs Investment Banking
12. Role of Portfolio Manager
13. Portfolio Management Service Vs Mutual Funds (MFs)
14. Types of Portfolio Management Services
15. Steps of the Portfolio Management Process
16. Advantages of Portfolio Management Services
17. Disadvantages of PMS
18. Recent developments in the Portfolio Management Services area in India
Tax Planning :
1. Classification of Tax Structure in India
2. Financial Year
3. Assessment Year
4. Previous Year
5. Concept of Previous Year & Financial Year vis-a-vis Assessment Year
6. Residential Status for Income Tax
7. A few important terms in Income Tax
8. Heads of Income for computation of the total income
9. Income Tax Slab rate for FY 2021-22 (AY 2022-23)
10. Conditions for opting New Tax Regime
11. Example for Old Tax Regime Vs New Tax Regime & which is better
12. Income Tax Slabs for non-individual entities
13. Investment Products for Tax Savings
14. Estate Planning-Tax Planning through Wills/ Trusts
15. Capital Gains Tax
Other Financial Services Provided by Banks :
1. Distribution of Third Party Products in Retail Banking
2. Mutual Fund Business
3. Insurance Business
4. Some Social Security Insurance Schemes
5. Cross Selling
6. Depository Services by Banks
7. Portfolio Management Services
8. Factoring
9. Other Agency Business by Banks
Additional Reading Material on Home Loans Lender’s Appraisal Procedure :
1. Appraisal Procedures
2. Application Form
3. Documents to be Submitted for Availing a Home Loan
4. Application Received through Agent
5. Appraisal of Loan Request
6. Other Relevant Issues at Pre-sanction Stage
7. Documentation
8. Mortgage
9. Registration of Documents
10. Detection of Forged and Fabricated Title Deeds
11. Other Securities
12. Registration of Charges with CERSAI on Security Internet
13. Monitoring
14. Closure of Account
15. Home Loan Frauds
Housing Finance and Tax Planning :
1. Tax Benefits in Respect of Housing Finance
Mortgage Advice :
1. Development of “Home Information Packs”
2. Time Value of Money-interest and Annuities
3. Capital Gains
4. Loan Calculator and Loan Amortization Schedule
Valuation of Real Property :
1. Who does Valuation?
2. Land with Building
3. Life of Structures
4. Sinking Fund
5. Reverse Mortgage
JAIIB Retail Banking and Wealth Management (Paper 4) Exam Pattern 2026
JAIIB Paper 4 Exam Date 2026 : Notified Soon
Starting Date of Application Form : Notified Soon
Last Date of Application Form : Notified Soon
JAIIB Syllabus 2026 - Overview
| Institution | Indian Institute of Banking & Finance (IIBF) |
| Exam | JAIIB (Junior Associate of Indian Institute of Banker) 2026 |
| Level | National |
| Exam Date 2026 | Notified Soon |
| Exam Language | Hindi or English |
| Subject | Retail Banking and Wealth Management |
| Qualifying Marks | 50 out of 100 |
| Official website | http://www.iibf.org.in/ |
JAIIB Retail Banking and Wealth Management (Paper 4) Syllabus 2026
Retail Banking and Wealth Management Syllabus :-Module A – Retail Banking :
Retail Banking: Introduction :
1. Characteristics of Retail Banking
2. Advantages of Retail Banking
3. Constraints in Retail Banking
4. Evolution of Retail Banking
5. Prerequisite for Success of Retail Banking
6. Challenges for Retail Banking Future of Retail Banking
Retail Banking : Role within the Bank Operations :
1. Business Models
Applicability of Retail Banking Concepts and Distinction between Retail and Corporate/Wholesale Banking :
1. Applicability of Retail Banking Concepts; Distinction between Retail and Corporate/ Wholesale Banking
Branch Profitability :
1. Banking System: An Introduction
2. Banking in India
3. What is Profitability?
4. What is Profit?
5. Gross Profit
6. Operating Profit and Net Profit
7. Profit and Profitability in the context of Banking
8. Traditional Measures of Profitability
9. The ROA (Return on Asset)
10. Return on Equity (ROE) for Banks
11. Branch Operating Efficiency
12. Strategies for Improving Efficiencies of Banking Operations
13. Factors Affecting Profitability of Banks in India
14. Profitability Analysis of Bank Branches
15. Steps to Improve Branch Profitability
16. Essential Factors to Make Continuous Improvement in Profitability
Module B – Retail Products and Recovery :
Customer Requirements :
1. Maslow’s Theory and Customer Requirements
2. Customer Requirements about Service Quality
Product Development Process :
1. Product Development Process
2. Product Life Cycle
3. Product Lines of a Banker
4. Deposit Products or Liability Products
5. Credit Products or Asset Products
6. Other Products and Services
7. Other Fee Based Services – Distribution of third party products
8. New Product Development
9. Stages in New Product Development
10. Constraints in New Product Development
11. Product Management
12. Product Policy
Credit Scoring :
1. What is a Credit Score?
2. Evolution of Credit Scoring
3. What is a Good Credit Score?
4. Credit Scoring Model
5. Managing the Credit Score
6. Positive Side of Credit Score
7. Warning Signs in Credit Score
8. Credit Information Companies in India
9. Issues in Credit Scoring
10. Mistakes in Credit Scoring
11. Troubleshooting Credit Score
Important Retail Liability Products :
1. Demand Deposits: An Introduction
2. Current Deposit: An Introduction
3. Main features of Current Deposit Account
4. Advantage of Current Deposit Account
5. Documents required for opening various types of Current Accounts
6. Opening of Current Account
7. Operational Instructions in Current Account
8. Transfer of Accounts
9. Inoperative Accounts
10. Closure of Current Account
11. Savings Bank Account: An Introduction
12. Advantages and Importance of Savings Bank Deposits to Customers
13. Who Can Open a Savings Bank Account?
14. Deregulation of interest in Savings Deposit Account
15. Maintenance of Balance in Savings Bank Account and Interest Payment
16. Restrictions on Transactions in SB Account
17. Services offered in Savings Bank Accounts
18. Time Deposit – An Introduction
19. Periodicity of Time Deposit
20. Operational instructions
21. Interest on Fixed Deposit
22. Term Deposit accounts of minors
23. Premature Payment of FD
24. Operational Issues of FD
25. Advances Against Bank’s own Time Deposit Receipts
26. Renewal of FD
27. Recent Rule of RBI on overdue FD
28. Form 15 G/ 15 H
29. Deposit of TDS to Income Tax Department by Banks
30. 2 in 1 Account
31. Recurring Deposit (RD)
Important Retail Asset Products :
1. Home Loans
2. Housing Loan under Prime Minister’s Awas Yojana (PMAY)
3. Home Improvement Loans
4. Home Decor Loans
5. Auto/Vehicle Loans
6. Personal Loans
7. Educational Loans
8. Other Retail Loans
9. Processing of Retail Loans
Credit and Debit Cards :
1. Credit Cards
2. Charge Cards
3. Pre-paid Cards
4. Debit Cards
5. Co-branded Cards
6. Contactless Cards
Remittance Products :
1. Electronic Payment Systems
2. National Electronic Funds Transfer (NEFT)
3. Real Time Gross Settlement (RTGS)
4. Electronic Clearing Services (ECS)
5. National Automated Clearing House (NACH) System
6. Aadhaar enabled Payment System (AePS)
7. Bharat Bill Payment System (BBPS)
8. Benchmarking India’s Payment System
Digitisation of Retail Banking Products :
1. Technology in Retail Banking
2. Technology Processes in Retail Banking
3. Some Important User Friendly Features
4. Customer Analytics
5. Institute for Development and Research on Banking Technologies (IDRBT)
6. Indian Financial Network (INFINET)
7. Structured Financial Messaging System (SFMS)
8. National Financial Switch (NFS)
9. Indian Banking Community Cloud (IBCC)
10. Wealth Management Solutions
11. Digital Lending
Role of AI and Technology in Retail Banking :
1. Dimensions of Banking Technology
2. Banking Today
3. Relationship between Banking and Technology
4. Evolution of Banking Technology
5. A New Era in Banking
6. Evolution of Banking Technology in India
7. Challenges towards adoption of Technology by Indian Banks
8. Technology in Retail Banking
9. Benefits of Technology in Retail Banking
10. Artificial Intelligence (AI)
11. Difference between Artificial Intelligence (AI) and Automation
12. Evolution of Artificial Intelligence
13. Artificial Intelligence Industry in India
14. Artificial Intelligence in Indian Banking Industry
15. Indian Banks and the Technology
16. Why AI in Banking Industry?
17. Benefits of Artificial Intelligence Technology in Banking and Finance
18. Artificial Intelligence in Retail Banking
19. Artificial Intelligence in Retail Banking in India
20. The Challenges Facing India’s AI Development
21. Benefits of AI in Retail Banking
Recovery of Retail Loans :
1. Repayment in Retail Loans
2. Default and Re-scheduling in Retail Loans
3. Monitoring of Loan Accounts
4. Classification of Irregular Loan Accounts
5. Recovery Policy of Banks
6. Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act)
7. Debt Recovery Tribunal (DRT)
8. Recovery through Lok Adalat
9. Engaging Direct Recovery Agents
Management Information Systems :
1. The main elements of MIS
2. Role of Management Information Systems
3. Role of MIS in Improving decision making
4. Role of MIS in Banking Industry
5. Designing MIS for a Bank
6. Issues Related to Management Information System (MIS)
7. Suggestions for Solution to MIS related Issues
Securitization : Securitization of Assets
Module C – Support Services – Marketing Of Banking Services/Products :-
Marketing – An Introduction :
1. Marketing in Retail Banking
2. Marketing Mix in Retail Banking
Delivery Channels in Retail Banking :
1. Channel Experience
2. Physical/Direct Channels – Branch
3. Automated Teller Machines
4. Point of Sale Terminal
5. Mobile Banking
6. Internet Banking
7. Customer’s Liability on Unauthorized Electronic Transactions
Delivery Models :
1. Delivery Models
2. Internal Customers – Staff at the Branch Level
3. Dedicated Marketing Managers
4. Direct Selling Agents (DSAs)
5. Tie-up with Institutions/OEMs/Dealers, etc.
Customer Relationship Management in Retail Banking :
1. Customer Relationship Management in Retail Banking
2. Why CRM?
3. Implementation Aspects of CRM in Banks
4. Implementation Process of CRM in Banks
5. Implementation Stages in CRM
6. Benefits of CRM
7. Impact of CRM on Customer Satisfaction
Service Standards for Retail Banking :
1. Members of BCSBI
2. Main Aims and Objects
3. Code of Banks’ Commitment
4. Code of Banks Commitment to Micro and Small Enterprises
5. Function of BCSBI
6. Code Compliance Rating
7. Customer Grievances Handling Mechanism
8. General Information
Marketing Information Systems- A Longitudinal Analysis :
1. Functions of MKIS
2. Components of MKIS
3. The MKIS Model
4. Observations
5. Usage of Computers in MKIS
6. Supports for Marketing Management
7. Supports for Marketing Mix Decisions
8. Use of Decision Models
9. Performance of MKIS
10. Recommendations
11. Advantages of MKIS
Module D – Wealth Management :-
Importance of Wealth Management :
1. Wealth Management – Broad View
2. Wealth Management Business Structures
3. Wealth management process
4. Wealth Management Products and Services
5. Alternative asset
6. Bond
7. Insurance
8. Mutual fund
9. Real estate Service
10. Retirement Planning
11. Strategic Business Strategy
12. Will Writing
13. Private Wealth Management
14. Personal Financial Planning
15. Wealth Management Assessment
16. Private Banking
17. Benefits of Wealth Management
18. Importance of Wealth Management
Investment Management :
1. Element of Investment
2. Basics of Investment Management
3. Steps in Investment Management
4. Investment Banking
5. Services being offered by Full-service Investment Banks
6. Investment Bank Organizational Structure
7. Investment Management Vs Investment Banking
8. Portfolio Management
9. Objectives of Portfolio Management
10. Key Elements of Portfolio Management
11. Portfolio Management Vs Investment Banking
12. Role of Portfolio Manager
13. Portfolio Management Service Vs Mutual Funds (MFs)
14. Types of Portfolio Management Services
15. Steps of the Portfolio Management Process
16. Advantages of Portfolio Management Services
17. Disadvantages of PMS
18. Recent developments in the Portfolio Management Services area in India
Tax Planning :
1. Classification of Tax Structure in India
2. Financial Year
3. Assessment Year
4. Previous Year
5. Concept of Previous Year & Financial Year vis-a-vis Assessment Year
6. Residential Status for Income Tax
7. A few important terms in Income Tax
8. Heads of Income for computation of the total income
9. Income Tax Slab rate for FY 2021-22 (AY 2022-23)
10. Conditions for opting New Tax Regime
11. Example for Old Tax Regime Vs New Tax Regime & which is better
12. Income Tax Slabs for non-individual entities
13. Investment Products for Tax Savings
14. Estate Planning-Tax Planning through Wills/ Trusts
15. Capital Gains Tax
Other Financial Services Provided by Banks :
1. Distribution of Third Party Products in Retail Banking
2. Mutual Fund Business
3. Insurance Business
4. Some Social Security Insurance Schemes
5. Cross Selling
6. Depository Services by Banks
7. Portfolio Management Services
8. Factoring
9. Other Agency Business by Banks
Additional Reading Material on Home Loans Lender’s Appraisal Procedure :
1. Appraisal Procedures
2. Application Form
3. Documents to be Submitted for Availing a Home Loan
4. Application Received through Agent
5. Appraisal of Loan Request
6. Other Relevant Issues at Pre-sanction Stage
7. Documentation
8. Mortgage
9. Registration of Documents
10. Detection of Forged and Fabricated Title Deeds
11. Other Securities
12. Registration of Charges with CERSAI on Security Internet
13. Monitoring
14. Closure of Account
15. Home Loan Frauds
Housing Finance and Tax Planning :
1. Tax Benefits in Respect of Housing Finance
Mortgage Advice :
1. Development of “Home Information Packs”
2. Time Value of Money-interest and Annuities
3. Capital Gains
4. Loan Calculator and Loan Amortization Schedule
Valuation of Real Property :
1. Who does Valuation?
2. Land with Building
3. Life of Structures
4. Sinking Fund
5. Reverse Mortgage
JAIIB Retail Banking and Wealth Management (Paper 4) Exam Pattern 2026
| Paper | Subject | No.of Question | Marks | Duration |
| Paper 4 | Retail Banking and Wealth Management | 100 | 100 | 2 Hour |
| Total | 100 | 100 | 2 Hour |
JAIIB Paper 4 Exam Date 2026 : Notified Soon
Starting Date of Application Form : Notified Soon
Last Date of Application Form : Notified Soon
FAQs
Jaiib Retail Banking and Wealth Management (paper 4) 2026 Exam Syllabus Frequently Asked Questions (FAQ's)
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In this article Page, we have provided the required syllabus of the JAIIB Retail Banking and Wealth Management exam.
Being familiar with JAIIB Retail Banking and Wealth Management Exam Pattern will help you understand the types of questions asked, difficulty level of the exam and important topics that require your keen attention. It will also acquaint you with the marking scheme and time allotted to each Topics.
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JAIIB Retail Banking and Wealth Management exam is not tough but it depends on your preparation. The candidates find the Subject not challenging. The dedicated preparation in the right direction will undoubtedly take you towards the goal.
The candidates must be well versed and acquainted with the syllabus and the exam pattern. Select the areas where improvement is required and schedule your preparation accordingly. To ace this exam, the applicants ought to maintain speed with high accuracy. Practicing previous years question papers will help you understand the exam pattern and the level of difficulty of the exam. You need to hone your strengths and improve upon your weaknesses. Toppersexam.com will aid you through the preparation and drive you to success. At Toppersexam.com, you can practice a complete set of test series along with a free JAIIB Retail Banking and Wealth Management mock test designed by our expert faculty.
The syllabus of JAIIB Retail Banking and Wealth Management Exam includes all topics that are important for the exam and are necessary for thorough preparation. Toppersexam provides a complete and updated syllabus with a detailed topic-wise breakdown.
You can download the complete JAIIB Retail Banking and Wealth Management Exam syllabus PDF from toppersexam.com. The PDF is available free and includes a detailed list of topics, section-wise subjects, and weightage for better exam preparation.
Yes, JAIIB Retail Banking and Wealth Management Exam has a topic-wise syllabus that includes all relevant subtopics. Toppersexam provides the detailed breakdown, helping candidates focus on high-weightage areas and avoid missing important sections.
Toppersexam ensures that the JAIIB Retail Banking and Wealth Management syllabus is updated for 2026. The latest syllabus reflects current exam trends, question patterns, and updated topics as per official notifications.
The JAIIB Retail Banking and Wealth Management Exam pattern includes details like the number of sections, total questions, marks distribution, and exam duration. Toppersexam provides a comprehensive guide on exam format, marking scheme, and question types.
Yes, the majority of questions in JAIIB Retail Banking and Wealth Management Exam are MCQs. Toppersexam provides practice MCQs with answers to help candidates understand the question pattern and improve accuracy.
Yes, questions are divided section-wise. Toppersexam provides a clear guide on how many questions are asked per section and their difficulty level for effective preparation.
Yes, Toppersexam offers online mock tests that strictly follow the JAIIB Retail Banking and Wealth Management Exam pattern. These mocks help candidates practice time management and get real-exam experience.
Yes, exam patterns can change over time. Toppersexam provides updated information on the latest exam pattern, question types, and section-wise changes.
Understanding the exam pattern is crucial for time management, question prioritization, and strategy planning. Toppersexam guides candidates on how to use the pattern effectively to maximize scores.
Start by dividing the syllabus into sections and prioritizing high-weightage topics. Toppersexam provides a preparation strategy, along with topic-wise tips and sample questions to make syllabus analysis easier.
Yes, focusing on high-weightage topics improves efficiency. Toppersexam highlights important topics, helping candidates prioritize sections for better performance.
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