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JAIIB RBWM Syllabus 2025 PDF: Check Modules of Retail Banking and Wealth Management

Jun 05 2025

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JAIIB RBWM Syllabus 2025 PDF: In the JAIIB flagship course examination, 4 papers are included. The Retail Banking and Wealth Management (RBWM) is one among them. In this page, we have provided the JAIIB RBWM syllabus 2025 pdf download link. The RBWM paper is conducted for 100 marks. To know the modules of the JAIIB Retail Banking and Wealth Management syllabus 2025, you can read this article. To make your preparation more effective, cover all the topics in each module. So, you can aim for maximum marks in the exam.

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About JAIIB Retail Banking and Wealth Management (RBWM) Paper

Here are the key details of JAIIB RBWM paper:

Total questions - 100
Total marks - 100
Paper Duration - 2 hours
There will be no negative marking for wrong answers.

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JAIIB RBWM Syllabus 2025 PDF

JAIIB RBWM paper has 4 modules as given below:

Module A - Retail Banking
Module B - Retail Products & Recovery
Module C - Support Services – Marketing of Banking Services/Products
Module D - Wealth Management

Download JAIIB RBWM Syllabus 2025 PDF

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JAIIB RBWM Syllabus 2025 PDF - Module A - Retail Banking

JAIIB RBWM Syllabus - Module A - Retail Banking
Retail Banking: Introduction	Characteristics of Retail Banking; Advantages of Retail Banking; Constraints in Retail Banking; Evolution of Retail Banking; Prerequisite for Success of Retail Banking; Challenges for Retail Banking 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	Applicability of Retail Banking Concepts; Distinction between Retail and Corporate/ Wholesale Banking
Branch Profitability	Banking System: An Introduction; Banking in India; What is Profitability? What is Profit? Gross Profit, Operating Profit and Net Profit; Profit and Profitability in the context of Banking; Traditional Measures of Profitability; The ROA (Return on Asset); Return on Equity (ROE) for Banks; Branch Operating Efficiency; Strategies for Improving Efficiencies of Banking Operations; Factors Affecting Profitability of Banks in India; Profitability Analysis of Bank Branches; Steps to Improve Branch Profitability; Essential Factors to Make Continuous Improvement in Profitability

JAIIB RBWM Syllabus 2025 PDF - Module B - Retail Products and Recovery

Syllabus of JAIIB RBWM - Module B - Retail Products and Recovery
Customer Requirements	Maslow’s Theory and Customer Requirements; Customer Requirements about Service Quality
Product Development Process	Product Development Process; Product Life Cycle; Product Lines of a Banker; Deposit Products or Liability Products; Credit Products or Asset Products; Other Products and Services; Other Fee Based Services – Distribution of third party products; New Product Development; Stages in New Product Development; Constraints in New Product Development; Product Management; Product Policy
Credit Scoring	What is a Credit Score?; Evolution of Credit Scoring; What is a Good Credit Score?; Credit Scoring Model; Managing the Credit Score; Positive Side of Credit Score; Warning Signs in Credit Score; Credit Information Companies in India; Issues in Credit Scoring; Mistakes in Credit Scoring; Troubleshooting Credit Score
Important Retail Liability Products	Demand Deposits : An Introduction; Current Deposit: An Introduction; Main features of Current Deposit Account; Advantage of Current Deposit Account; Documents required for opening various types of Current Accounts; Opening of Current Account; Operational Instructions in Current Account; Transfer of Accounts; Inoperative Accounts; Closure of Current Account; Savings Bank Account: An Introduction; Advantages and Importance of Savings Bank Deposits to Customers; Who Can Open a Savings Bank Account?; Deregulation of interest in Savings Deposit Account; Maintenance of Balance in Savings Bank Account and Interest Payment; Restrictions on Transactions in SB Account; Services offered in Savings Bank Accounts; Time Deposit – An Introduction; Periodicity of Time Deposit; Operational instructions; Interest on Fixed Deposit; Term Deposit accounts of minors; Premature Payment of FD; Operational Issues of FD; Advances Against Bank’s own Time Deposit Receipts; Renewal of FD; Recent Rule of RBI on overdue FD; Form 15 G/ 15 H; Deposit of TDS to Income Tax Department by Banks; 2 in 1 Account; Recurring Deposit (RD)
Important Retail Asset Products	Home Loans; Housing Loan under Prime Minister’s Awas Yojana (PMAY); Home Improvement Loans; Home Decor Loans; Auto/Vehicle Loans; Personal Loans; Educational Loans; Other Retail Loans; Processing of Retail Loans
Credit and Debit Cards	Credit Cards; Charge Cards; Pre-paid Cards; Debit Cards; Co-branded Cards; Contactless Cards
Remittance Products	Electronic Payment Systems; National Electronic Funds Transfer (NEFT); Real Time Gross Settlement (RTGS); Electronic Clearing Services (ECS); National Automated Clearing House (NACH) System; Aadhaar enabled Payment System (AePS); Bharat Bill Payment System (BBPS); Benchmarking India’s Payment System
Digitisation of Retail Banking Products	Technology in Retail Banking; Technology Processes in Retail Banking; Some Important User Friendly Features; Customer Analytics; Institute for Development and Research on Banking Technologies (IDRBT); Indian Financial Network (INFINET); Structured Financial Messaging System (SFMS); National Financial Switch (NFS); Indian Banking Community Cloud (IBCC); Wealth Management Solutions; Digital Lending
Role of AI and Technology in Retail Banking	Dimensions of Banking Technology; Banking Today; Relationship between Banking and Technology; Evolution of Banking Technology; A New Era in Banking; Evolution of Banking Technology in India; Challenges towards adoption of Technology by Indian Banks; Technology in Retail Banking; Benefits of Technology in Retail Banking; Artificial Intelligence (AI); Difference between Artificial Intelligence (AI) and Automation; Evolution of Artificial Intelligence; Artificial Intelligence Industry in India; Artificial Intelligence in Indian Banking Industry; Indian Banks and the Technology; Why AI in Banking Industry?; Benefits of Artificial Intelligence Technology in Banking and Finance; Artificial Intelligence in Retail Banking; Artificial Intelligence in Retail Banking in India; The Challenges Facing India’s AI Development; Benefits of AI in Retail Banking
Recovery of Retail Loans	Repayment in Retail Loans; Default and Re-scheduling in Retail Loans; Monitoring of Loan Accounts; Classification of Irregular Loan Accounts; Recovery Policy of Banks; Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act); Debt Recovery Tribunal (DRT); Recovery through Lok Adalat; Engaging Direct Recovery Agents
Management Information Systems	The main elements of MIS; Role of Management Information Systems; Role of MIS in Improving decision making; Role of MIS in Banking Industry; Designing MIS for a Bank; Issues Related to Management Information System (MIS); Suggestions for Solution to MIS related Issues
Securitization	Securitization of Assets

JAIIB RBWM Syllabus - Module C - Support Services – Marketing of Banking Services/Products

JAIIB RBWM Syllabus - Module C - Support Services – Marketing of Banking Services/Products
Marketing – An Introduction	Marketing in Retail Banking; Marketing Mix in Retail Banking
Delivery Channels in Retail Banking	Channel Experience; Physical/Direct Channels – Branch; Automated Teller Machines; Point of Sale Terminal; Mobile Banking; Internet Banking; Customer’s Liability on Unauthorized Electronic Transactions
Delivery Models	Delivery Models; Internal Customers – Staff at the Branch Level; Dedicated Marketing Managers; Direct Selling Agents (DSAs); Tie-up with Institutions/OEMs/Dealers, etc.
Customer Relationship Management in Retail Banking	Customer Relationship Management in Retail Banking; Why CRM?; Implementation Aspects of CRM in Banks; Implementation Process of CRM in Banks; Implementation Stages in CRM; Benefits of CRM; Impact of CRM on Customer Satisfaction
Service Standards for Retail Banking	Members of BCSBI; Main Aims and Objects; Code of Banks’ Commitment; Code of Banks Commitment to Micro and Small Enterprises; Function of BCSBI; Code Compliance Rating; Customer Grievances Handling Mechanism; General Information
Marketing Information Systems - A Longitudinal Analysis	Functions of MKIS; Components of MKIS; The MKIS Model; Observations; Usage of Computers in MKIS; Supports for Marketing Management; Supports for Marketing Mix Decisions; Use of Decision Models; Performance of MKIS; Recommendations; Advantages of MKIS

Syllabus of JAIIB RBWM - Module D - Wealth Management

JAIIB RBWM Syllabus 2025 - Module D - Wealth Management
Importance of Wealth Management	Wealth Management – Broad View; Wealth Management Business Structures; Wealth management process; Wealth Management Products and Services; Alternative asset; Bond; Insurance; Mutual fund; Real estate Service; Retirement Planning; Strategic Business Strategy; Will Writing; Private Wealth Management; Personal Financial Planning; Wealth Management Assessment; Private Banking; Benefits of Wealth Management; Importance of Wealth Management
Investment Management	Element of Investment; Basics of Investment Management; Steps in Investment Management; Investment Banking; Services being offered by Full-service Investment Banks; Investment Bank Organizational Structure; Investment Management Vs Investment Banking; Portfolio Management; Objectives of Portfolio Management; Key Elements of Portfolio Management; Portfolio Management Vs Investment Banking; Role of Portfolio Manager; Portfolio Management Service Vs Mutual Funds (MFs); Types of Portfolio Management Services; Steps of the Portfolio Management Process; Advantages of Portfolio Management Services; Disadvantages of PMS; Recent developments in the Portfolio Management Services area in India
Tax Planning	Classification of Tax Structure in India; Financial Year; Assessment Year; Previous Year; Concept of Previous Year & Financial Year vis-a-vis Assessment Year; Residential Status for Income Tax; A few important terms in Income Tax; Heads of Income for computation of the total income; Income Tax Slab rate for FY 2021-22 (AY 2022-23); Conditions for opting New Tax Regime; Example for Old Tax Regime Vs New Tax Regime & which is better; Income Tax Slabs for non-individual entities; Investment Products for Tax Savings; Estate Planning-Tax Planning through Wills/ Trusts; Capital Gains Tax
Other Financial Services Provided by Banks	Distribution of Third Party Products in Retail Banking; Mutual Fund Business; Insurance Business; Some Social Security Insurance Schemes; Cross Selling; Depository Services by Banks; Portfolio Management Services; Factoring; Other Agency Business by Banks
Additional Reading Material on Home Loans Lender’s Appraisal Procedure	Appraisal Procedures; Application Form; Documents to be Submitted for Availing a Home Loan; Application Received through Agent; Appraisal of Loan Request; Other Relevant Issues at Pre-sanction Stage; Documentation; Mortgage; Registration of Documents; Detection of Forged and Fabricated Title Deeds; Other Securities; Registration of Charges with CERSAI on Security Internet; Monitoring; Closure of Account; Home Loan Frauds
Housing Finance and Tax Planning	Tax Benefits in Respect of Housing Finance
Mortgage Advice	Development of “Home Information Packs”; Time Value of Money-interest and Annuities; Capital Gains; Loan Calculator and Loan Amortization Schedule
Valuation of Real Property	Who does Valuation?; Land with Building; Life of Structures; Sinking Fund; Reverse Mortgage

FAQs

Q: What is JAIIB RBWM?

RBWM is one of the 4 papers in JAIIB exam. The full form of RBWM is Retail Banking and Wealth Management.

Q: What is the paper duration of JAIIB RBWM?

The JAIIB RBWM exam is conducted for 2 hours.

Q: Is there negative marking in JAIIB RBWM exam?

There is no negative marking.

Q: What is the total mark for JAIIB RBWM paper?

JAIIB RBWM exam is conducted for 100 marks.

Q: Where can I get the JAIIB RBWM syllabus 2025?

On this page, you can download the JAIIB RBWM syllabus pdf.

Q: How many modules are in JAIIB Retail Banking and Wealth Management syllabus?

There are 4 modules in RBWM:

Module A - Retail Banking
Module B - Retail Products & Recovery
Module C - Support Services – Marketing of Banking Services/Products
Module D - Wealth Management

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