50 Most Repetitive MCQs for JAIIB PPB 2026, Download PDF

Add as a preferred source on Google
Published on 5 May 2026 by

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.

In this blog, we break down the most repetitive topics, question patterns, and latest exam trends for the PPB paper by Indian Institute of Banking and Finance, helping you plan your preparation with clarity and confidence.

Download the JAIIB PPB Most Repetitive MCQs PDF

This eBook includes 80 important questions for the JAIIB PPB paper, based on frequently asked topics and recent trends set by the Indian Institute of Banking & Finance. Each question comes with the correct answer and a simple explanation to help you understand the concept clearly. Banking professionals can download the PDF for quick and easy revision 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.

JAIIB PPB Quiz Questions Score: 0.00

1. A cheque bears the words ‘Account Payee Only.’ What is the effect of this crossing?

2. What is the difference between a ‘holder’ and a ‘Holder in Due Course’?

3. Section 85 of the NI Act provides protection to the paying banker when:

4. Section 131 of the NI Act provides statutory protection to the collecting banker provided:

5. A cheque dated 3 months ago is presented for payment. The paying bank should:

6. Which Section of the NI Act deals with the protection of the paying banker against materially altered cheques?

7. A cheque is drawn by Mr. A in favor of Mr. B. Mr. B endorses it to Mr. C, and Mr. C endorses it to Mr. D. The cheque is dishonored. Who can Mr. D sue?

8. What is an ‘accommodation bill’?

9. Under Section 138 of the NI Act, a cheque bounce case can be filed only if: (1) The cheque was returned for insufficient funds; (2) The payee made a demand within 30 days of dishonor memo; (3) The drawer failed to pay within 15 days of notice.

10. A ‘sans recours’ endorsement means:

11. Which of the following instruments is NOT a negotiable instrument under the NI Act, 1881?

12. The presentment of a bill of exchange for acceptance is required in which of the following cases?

13. What is the minimum balance requirement for a Basic Savings Bank Deposit Account (BSBDA)?

14. Which of the following statements about a Current Account is correct?

15. A customer wants to open a Recurring Deposit (RD) account. Which statement is correct?

16. A nomination facility in bank accounts is governed by which section of the Banking Regulation Act?

17. A post-dated cheque (PDC) presented before its date should be:

18. Which of the following statements about ‘payment in due course’ is correct?

19. The primary objective of the Know Your Customer (KYC) guidelines is:

20. Which of the following is an Officially Valid Document (OVD) for KYC purposes?

Quiz Summary

Attempted
0
Correct
0
Wrong
0
Unattempted
0
Final Score: 0.0

Explore JAIIB Online Courses

JAIIB PPB Quiz Questions Score: 0.00

21. Under PMLA 2002, the minimum imprisonment for the offence of money laundering is:

22. A cash transaction of ₹10 lakh and above must be reported to the Financial Intelligence Unit (FIU-IND) as:

23. How frequently must High Risk customers’ KYC be updated?

24. A ‘Politically Exposed Person’ (PEP) is classified under which risk category for KYC purposes?

25. Under the PMLA, a Suspicious Transaction Report (STR) must be filed with FIU-IND within:

26. The concept of ‘Beneficial Owner’ under KYC requires identification of the individual who:

27. A customer is found on the UN Consolidated Sanctions List. What immediate action should the bank take?

28. What is the threshold for ‘Beneficial Owner’ identification in a company?

29. What does ‘Customer Due Diligence’ (CDD) involve?

30. The term ‘Shell Bank’ in AML refers to:

Quiz Summary

Attempted
0
Correct
0
Wrong
0
Unattempted
0
Final Score: 0.0

Download JAIIB Previous Year Papers

JAIIB PPB Quiz Questions (Case Studies) Score: 0.00

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?

Quiz Summary

Attempted
0
Correct
0
Wrong
0
Unattempted
0
Final Score: 0.0

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.
Attempt A Free JAIIB Mock Test

Download JAIIB important MCQs Free PDF

Also, download the JAIIB important MCQs free PDF here:

Study MaterialStudy Material
JAIIB IE and IFS Important Questions PDFJAIIB PPB Important Questions PDF
JAIIB AFM Important Questions PDFJAIIB 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 QuestionsWeightage
Direct concept-based questions35–40%
Practical scenario-based questions25–30%
Act and section-related questions15–20%
Banking schemes and guidelines10–15%
Digital banking and new developments5–10%

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 PlanStudy Plan
JAIIB IE And IFS Study PlanJAIIB PPB Study Plan
JAIIB AFM Study PlanJAIIB 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 TopicsLink
50 Most Repetitive JAIIB AFM MCQsClick here to Check
50 Most Repetitive JAIIB RBWM MCQs Click here to Check
50 Most Repetitive JAIIB IE & IFS MCQsClick here to Check

FAQs

1. Are numerical questions asked in PPB?

Yes, but they are limited and mostly based on banking calculations, interest, and financial ratios.

2. Which topics are most repetitive in PPB?

Topics like credit cards, RTGS/NEFT, partnership firms, LLP, RBI regulations, digital banking, and PSL are highly repetitive.

3. How to use the repetitive MCQs PDF?

You can practice and revise quickly using the PDF to focus on high-probability questions.