JAIIB Readiness, explained: what your score means and how to raise it
Where to find it
On the home screen, below the Subject Progress card. One bar per subject, a number and a verdict on the right, and a Full report → link.
The three verdicts
- 70–100 · Likely pass — your practice data says you would clear this paper if it were tomorrow. Keep it warm; spend your time on the weaker subjects.
- 45–69 · Borderline — it could go either way. The paper's difficulty on the day would decide. This is where your hours should go.
- 0–44 · Needs work — not yet. Usually it just means you have not practised enough of the subject for the score to rise; sometimes it means a module is badly weak. The full report tells you which.
What goes into the number (in plain words)
Five things, with fixed weights. You do not need to calculate anything — but knowing the recipe tells you which lever to pull.
| Ingredient | Points | In plain words | How to raise it |
|---|---|---|---|
| Mock scores | 40 | Your last five tests, the newest counting most. Above ~65% earns full points; below 20% earns none. | Take a full mock every 3–4 days in Exam mode. A bad early mock fades as newer ones replace it. |
| Coverage | 20 | What share of the subject's units you have actually practised. | Fill the Subject Progress bar — practise units you have never opened. |
| Accuracy | 20 | Your accuracy over your last ~200 questions in the subject. Starts counting after 20 questions. | Learning mode on weak units; read every explanation. |
| Revision | 10 | How much of your Revision Due diary is overdue. Empty queue = full points. | Clear "Revision due" daily. Cheapest 10 points in the app. |
| Speed | 10 | Seconds per question in your last Exam-mode tests versus the real pace of 72 seconds (100 questions in 2 hours). | Do mocks with the timer running; bank easy questions fast. |
Notice the design: 40 points come from mocks, but 60 do not. That is why a student with three good mocks and half the syllabus untouched sees "Borderline" — the score is warning that the unseen half is a risk. It is also why the number rises steadily with daily practice even on days you take no mock.
The Full report — where the marks are leaking
Tap Full report → (also the Readiness tile on the home screen). One card per subject.
Under the five bars you get two things you cannot see anywhere else.
Predicted mock-day range — for example "70–84%". It is built from the average and the spread of your recent tests (never narrower than ±5 points). A range that sits entirely above 50 means you pass even on a bad day. A range that straddles 50 means the paper decides; your job is to move the whole range up, not to hope for a kind paper. More mocks make the range narrower.
Where you're losing marks — each module of the subject, sorted by how many marks it is costing you. The line "General Banking Operations — ~27 marks (carries ~44 marks, you're at 37%)" means: this module is worth roughly 44 of the 100 marks in the paper, you are getting 37% of them, so about 27 marks are leaking here. The list is ordered by marks lost, not by percentage — a 55% module worth 40 marks matters more than a 40% module worth 8. The Highest-ROI fix line names the module where 25 minutes buys the most readiness.
How to raise it — fastest first
Reading it week by week
Look at two things every Sunday: is the number rising, and is the range narrowing. Rising score with a wide range means you are inconsistent — more Exam-mode mocks. Flat score with a narrow range means you have plateaued — go to the mark-loss map. Both improving? You are doing it right; just keep the diary clear.
Want the exact formula and the reasoning behind each weight? It is all in the detailed article.
Common questions
- My AFM says 98 but I only scored 60% on my first mock. Is it broken?
- No. Newer tests count more than older ones, so once your later mocks are in the 70s–80s the first one barely matters — and coverage, accuracy, revision and speed add their own points. The predicted range is the number to look at if you want caution: it uses your actual recent scores.
- Why did my score drop when I did nothing today?
- Revision health. Questions became due and were not cleared, so the 10-point revision ingredient fell. Clear the queue and it comes back.
- Does a module mock unlock the score?
- Yes — any test of 25+ questions in the subject does.
Screenshots show a sample student account after three weeks of practice; your numbers will be your own. Independent study aid — not affiliated with, endorsed by, or sponsored by IIBF. Readiness figures are estimates computed from your own practice inside the Mock Centre and do not predict the official result.