Cracking JAIIB 2026 PPB is not about studying everything it’s about studying what actually matters. Over the last two years, a clear pattern has emerged where certain topics are repeatedly tested through conceptual and practical MCQs. If you understand these trends and focus on high-frequency areas, you can prepare more effectively and score better.
Download the JAIIB PPB Most Repetitive MCQs PDF
This eBook contains 80 important questions for the JAIIB PPB paper, covering frequently asked topics and latest exam trends by the Indian Institute of Banking & Finance (IIBF). Each question includes the correct answer and a simple explanation to help banking professionals understand concepts better and revise effectively before the exam.
Download JAIIB PPB Most Repetitive Questions PDF
Attempt 30 MCQs from the most repetitive PPB topics
Attempt these practice questions from the most repetitive topics in JAIIB PPB. These questions will help you revise key concepts and understand the exam pattern better. Practice them regularly to improve your accuracy and confidence.
1. A customer deposits money in a savings account. What is the legal relationship between the bank and the customer?
2. A customer delivers sealed valuables to a bank specifically for safe custody. What legal relationship generally arises in respect of those goods?
3. Which of the following is NOT a right of a banker?
4. A bank exercises its right of general lien on securities deposited by a borrower for a specific purpose. Is this valid?
5. Mr. Sharma has two accounts with PQR Bank — a savings account with ₹50,000 and a loan account where ₹1,20,000 is overdue. The bank exercises right of set-off. How much can it set off?
6. When does the banker–customer relationship formally begin?
7. Which of the following situations creates a Trustee–Beneficiary relationship between bank and customer?
8. The duty of a bank to maintain secrecy of customer accounts is implied from which legal case?
9. Which of the following is an example of a bank’s right to appropriate payments under Clayton’s Rule?
10. Which statement about a minor’s bank account is correct?
11. Which of the following correctly describes the relationship when a customer gives a cheque to the bank for collection?
12. A bank issues a demand draft on behalf of a customer. What is the relationship between the bank and the payee of the draft?
13. Who is a ‘Holder in Due Course’ under the Negotiable Instruments Act?
14. Which of the following types of crossing restricts payment only to a specific bank?
15. What is the main effect of an ‘Account Payee’ crossing on a cheque?
16. What is the difference between a ‘holder’ and a ‘Holder in Due Course’?
17. Section 85 of the NI Act provides protection to the paying banker when:
18. Section 131 of the NI Act provides statutory protection to the collecting banker provided:
19. A cheque is presented after the expiry of its permitted validity period from the date written on it. How should the paying bank generally treat it?
20. Which Section of the NI Act deals with the protection of the paying banker against materially altered cheques?
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Case Study – Scenario: Mrs. Sunita, an illiterate widow aged 68, holds a savings account at Mahalaxmi Bank. She suffers a stroke and becomes bedridden, unable to visit the branch or sign documents. Her son Rahul wants to operate the account on her behalf. The bank is also asked by her daughter Priya to add her name as a joint holder.
CS-Q1. What is the correct procedure for allowing Rahul to operate Mrs. Sunita’s account given her incapacitation?
CS-Q2. Regarding Priya’s request to be added as a joint holder — can the bank add her name to the existing account, and what mandate options are available?
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What are the most repetitive topics in JAIIB 2026 PPB?
Some topics are consistently tested in every cycle. These areas are concept-driven and closely connected to day-to-day banking operations.
- Banker–Customer Relationship (Very High): Questions focus on rights, duties, and different types of relationships between a banker and a customer.
- Negotiable Instruments Act, 1881 (Very High): Important areas include holder, endorsement, cheque crossing, and dishonour of instruments.
- Types of Accounts (High): Covers rules related to SB, CA, FD accounts, along with nomination facilities.
- Payment & Collection of Cheques (High): Focus on the protection given to paying and collecting bankers.
- KYC & AML Guidelines (High): Includes documents required, risk categories, and basics of Prevention of Money Laundering Act, 2002.
- Priority Sector Lending (PSL) (Moderate–High): Questions are based on targets, categories, and limits set by the Reserve Bank of India.
- Financial Inclusion Schemes (Moderate): Covers basic details of schemes like PMJDY and DBT.
- Payment Systems (Moderate): Includes features and limits of NEFT, RTGS, and UPI.
- Digital Banking & Cyber Security (Moderate): Focus on fraud types, phishing, and basic security practices.
Download JAIIB important MCQs Free PDF
Also, download the JAIIB important MCQs free PDF here:
| Study Material | Study Material |
| JAIIB IE and IFS Important Questions PDF | JAIIB PPB Important Questions PDF |
| JAIIB AFM Important Questions PDF | JAIIB RBWM Important Questions PDF |
What is the question trend observed in recent PPB exams?
Some of the last exam analysis shows a mix of direct and concept-based MCQs. Earlier papers were more theoretical, but recent attempts focus on practical understanding and application-based questions.
| Type of Questions | Weightage |
| Direct concept-based questions | 35–40% |
| Practical scenario-based questions | 25–30% |
| Act and section-related questions | 15–20% |
| Banking schemes and guidelines | 10–15% |
| Digital banking and new developments | 5–10% |
In what way are questions asked in JAIIB PPB paper?
Understanding how questions are framed is as important as knowing the topic. Most questions are simple in language but tricky in options. They test clarity, not memorisation alone.
- Definition-based (e.g., Who is a holder in due course?)
- Statement-based (Which of the following statements is correct?)
- Scenario-based (A cheque is crossed generally. What does it imply?)
- Limit-based (What is the minimum lock-in period?)
- Matching-type concept questions
- Negative framing (Which of the following is NOT correct?)
Which topics carry the highest scoring opportunity?
Certain topics not only repeat but are also scoring if prepared properly. These areas often contain direct or easily eliminable options.
- Banker–Customer Relationship: Easy to score if your concepts are clear, as questions are direct.
- KYC & AML: Mostly rule-based and factual, often linked to guidelines by the RBI.
- Types of Accounts: Simple and straightforward questions based on day-to-day banking rules.
- Payment Systems: Questions are based on features and limits of systems like NEFT, RTGS, and UPI.
- Priority Sector Lending (PSL): Scoring area if you remember target percentages and categories set by the RBI.
Also Check:
| Study Plan | Study Plan |
| JAIIB IE And IFS Study Plan | JAIIB PPB Study Plan |
| JAIIB AFM Study Plan | JAIIB RBWM Study Plan |
How should you prepare based on repetitive trend?
Preparation should be structured around repetition, not randomness. Revise high-frequency areas first and practice MCQs repeatedly.
- Revise core concepts from repetitive topics
- Practice 50–100 MCQs from high-weightage areas
- Focus on understanding options, not just answers
- Revise Acts like the Negotiable Instruments Act clearly
- Attempt mock tests to analyse weak zones
- Revisit mistakes within 24 hours
What modules are covered under the JAIIB PPB syllabus?
The bankers must note that the JAIIB PPB Syllabus is further divided into 4 modules. These modules are:
- Module A : General Banking Operations
- Module B : Functions of Banks
- Module C : Banking Technology
- Module D : Ethics in Banks and Financial Institutions
Also Check,
| Related Topics | Link |
| 50 Most Repetitive JAIIB AFM MCQs | Click here to Check |
| 50 Most Repetitive JAIIB RBWM MCQs | Click here to Check |
| 50 Most Repetitive JAIIB IE & IFS MCQs | Click here to Check |
FAQs
Yes, but they are limited and mostly based on banking calculations, interest, and financial ratios.
Topics like credit cards, RTGS/NEFT, partnership firms, LLP, RBI regulations, digital banking, and PSL are highly repetitive.
You can practice and revise quickly using the PDF to focus on high-probability questions.
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