JAIIB RBWM study plan

Map the Retail Banking syllabus into a one-page checklist covering products, account types, KYC/onboarding, customer service standards and grievance redressal

Define and tabulate at least 15 retail credit terms (LTV, FOIR, EMI, moratorium, repo-linked pricing, CIBIL score bands, SMA classification) with a one-line definition each

Solve 10 EMI and amortisation calculations by hand and verify each against a formula spreadsheet

Draft a comparison table of retail loan products (home, auto, personal, gold, education) listing security, tenor, margin and repayment norms

Explain the retail account opening journey end to end, including KYC modes (Aadhaar OTP, video KYC, in-person), risk categorisation and periodic updation

Differentiate deposit products (savings variants, fixed, recurring, NRE/NRO, senior citizen and staff variants) on rate, liquidity and tax treatment

Apply credit appraisal logic to two hypothetical borrowers: compute FOIR, assess repayment capacity and recommend sanction or rejection with reasons

List the documentation and valuation requirements for a home loan and a gold loan and note where they diverge

Trace the life cycle of a retail loan from application to closure, naming the control at each stage (appraisal, sanction, documentation, disbursement, monitoring, recovery)

Summarise the regulatory framework for priority sector lending, interest rate resets, fair practices code and recovery agent conduct

Classify stressed retail accounts into SMA-0/1/2, NPA and restructured categories using five worked examples

Describe the legal recovery routes available to a retail lender and state when each is used

Build a compliance calendar covering KYC periodic updation, CRR/SLR reporting, returns to the regulator, and customer grievance turnaround timelines

Explain the prevention of money-laundering obligations of a branch: customer due diligence, beneficial ownership, suspicious transaction reporting and record retention

Distinguish fraud typologies in retail banking and state the early-warning signals for each

Describe the banker-customer relationship, the duty of secrecy and its recognised exceptions, and the nomination and settlement rules for deceased depositors

Map the operational risk and internal control requirements of a retail branch, including cash handling, dual custody, maker-checker and reconciliation

Explain customer protection rules for unauthorised electronic transactions: limited liability tiers, the reversal timeline and the burden of proof

Compare payment systems (NEFT, RTGS, IMPS, UPI, card networks) on settlement timing, limits, irrevocability and dispute handling

Outline the data protection and information security obligations that apply to customer data held by a bank

Describe the architecture of digital channels (mobile banking, internet banking, UPI, API banking) and the authentication factors each relies on

Explain the controls around onboarding through digital channels: e-KYC, liveness checks, device binding, transaction limits and cooling periods

Evaluate the risks of emerging channels such as wallets, account aggregators and open banking, and state the mitigation for each

Identify the customer-facing digital grievance and chargeback routes and the timelines that apply

Revisit the weakest three sub-topics identified in earlier self-tests and rewrite their notes from memory

Solve a mixed set of at least 60 practice questions across all four domains under timed conditions

Reconcile every wrong answer to the underlying rule or formula and record the correction

Condense the whole syllabus into a 6-page revision sheet of definitions, limits, timelines and formulae

Attempt two full-length timed mock tests and score each against the pass threshold

Drill the numeric areas (EMI, FOIR, LTV, interest resets, penal charges) until each is solved without reference

Recite from memory the key regulatory limits and timelines that are commonly tested

Complete a final pass over the revision sheet and mark any remaining weak area for last-minute review