If you are a banker who is aiming to increase your salary without waiting for a promotion, Jaiib & Caiib is your shortcut to better pay and career growth. These two banking exams not only add increments to your salary, but also help you climb the banking hierarchy faster.
The best part? No extra work experience required– Pass the exam, submit a certificate and start earning more immediately.
Let’s break down the real economic benefits of Jaiib & Caiib below 12th Second Section Reconciliation (2024).
What is Jaiib & Caiib?
- Jaiib (Junior Associate of the Indian Bankers Association) This is a basic level exam that will enhance your banking knowledge and provide salary hikes.
- CAIIB (Accredited Associate Degree from the Indian Bankers Association) Another advanced level exam that offers an incremental increment and makes promotion easier.
Both tests are conducted IIBF (India Bank Financial Research Institute) For bankers only.
Why do all bankers need to clear Jaiib & Caiib?
Salary Increase in salary (Direct salary increase!)
✅Improve career growth (fast promotion)
✅ Increase your knowledge = More confidence in your role
Increase in pensions at retirement
Jaiib & Caiib salary increment (12th second division settlement)
The increase in salary you get after passing Jaiib & Caiib depends on you designation:
| category | Jaiib increment (£ per month) | CAIIB increment (£ per month) | Total increment (jaiib + caiib) |
|---|---|---|---|
| Customer Service Associate (CSA) (formerly Clerk) | £820 (in a year), £1,640 (in a year), £2,460+ over 5 years | Same as PQP growth plan | Up to 4,100 pounds in five years |
| Lower staff (Peon, office assistant) | £820 (1 year later) | £820 More (after Caiib) | £1,640 total |
| Officer (Scale I or above) | One additional increment (~£2,500 – £3,000) | One additional increment (~£2,500 – £3,000) | £5,000 – £6,000 Total |
Note: These increments will be added to the basic payment, and will automatically increase your DA, HRA, and other allowances.
How much will your salary increase after Jaiib & Caiib?
Take an example of the true salary of a CSA (secretary) and see how Jaiib & Caiib changes your salary.
| stage | Base salary (£) | DA (19.83%) | HRA (10%) | Total salary (£) |
|---|---|---|---|---|
| In front of Jaiib/Caiib | £30,000 | £5,949 | £3,000 | £38,949 |
| After Jaiib (1 year PQP) | £30,820 | £6,115 | £3,082 | £40,017 |
| After CAIIB (2 Year PQP) | £32,460 | £6,439 | £3,246 | £42,145 |
| After a full PQP profit (5 years) | £34,100+ | £6,765+ | £3,410+ | £44,275+ |
full jaiib & caiib pqp = increase in total salary after £5,326
✅Annual increment = 63,912 pounds per year
If you are an officer, the increments are even better as each exam adds an annual increment (~£2,500 – £3,000 per exam).
Jaiib & Caiib incremental for executives
If you are an officer (scale I or higher), you will receive one additional annual increment per exam when you clear Jaiib & Caiib.
| stage | Base salary (£) | DA (19.83%) | HRA (10%) | Total salary (£) |
|---|---|---|---|---|
| In front of Jaiib/Caiib | £50,000 | £9,915 | £5,000 | £64,915 |
| After Jaiib | £52,500 | £10,406 | £5,250 | £68,156 |
| After Caiib | £55,000 | £10,897 | £5,500 | £71,397 |
jaiib & caiib = Increase in total salary after £6,482 per month
✅Annual increment = 77,784 pounds per year
Additional Benefits of Jaiib & Caiib
1. It will make promotion easier
- In the internal promotional exam, Jaiib & Caiib bankers will get additional marks.
- You are more likely to get promoted to scale I, II, III faster.
2. Increase in pensions at retirement
- Higher basic wages = higher pensions.
- Since the final pension is calculated as the base salary, Jaiib & Caiib directly increase pension benefits.
3. Better Jobs and Transfers
- In some banks, Jaiib & Caiib employees get priority for transfer requests.
- If you want a Metro City post or a specific department, this can help.
Important: You must charge an increment of Jaiib/Caiib!
candy Many bankers go through Jaiib & Caiib but forget to submit their certificate to HR.
You will not get an increment unless you submit a certificate of acceptance for jaiib/caiib.
conds Some banks allow background adjustments to pay, but only within 6-12 months.
Steps to bill an increment
- Pass Jaiib/Caiib
- Download the certificate from IIBF
- Submit to HR department
- The increase in salary will be reflected in next month’s salary
Don’t delay – praise your hard-earned increments!
Final Thoughts: Is Jaiib & Caiib worth it?
If you are in a public sector bank, going through Jaiib & Caiib is the smartest and easiest way to increase your salary without waiting for a promotion.
da, hra, and allowances will increase automatically.
As a cofflight representative, add between £5,000 and £6,000 a month.
promotion makes promotion, forwarding and duties easier.
retirement pension will increase.
So why wait? If you haven’t started preparing Jaiib & Caiib, get started now!
