The JAIIB PPB (Principles and Practices of Banking) exam is an important paper that tests candidates’ knowledge of banking operations, credit management, digital banking, compliance, and banking regulations. The exam is scheduled for 9 May and 22 November 2026. Candidates can improve their scores by focusing on important and frequently asked topics and following a focused study plan for better preparation.
What are the most important topics in JAIIB PPB exam?
The JAIIB PPB exam focuses on core banking concepts that are frequently repeated in exams. These topics build the foundation of banking knowledge and carry maximum weightage in the paper.
- KYC and AML Norms
- Priority Sector Lending
- Lending Principles and Loan Products
- Digital Banking and Payment Systems
- Banker-Customer Relationship
- Ethics in Banking
- Negotiable Instruments Act
- Non-Performing Assets
What is the exam pattern of JAIIB PPB 2026?
The JAIIB PPB Exam 2026 is conducted in an online mode with no negative marking. The paper consists of 100 questions for 100 marks, and candidates are given 2 hours to complete the paper. After final submission candidates will get to know the total correct answers, they have marked in the paper. The details of the JAIIB exam pattern are as follows:
| Feature | Details |
| Total Questions | 100 objective-type MCQs per paper |
| Total Marks | 100 marks per paper |
| Case-Based Questions | Yes, included |
| Exam Mode | Online (CBT) |
| Negative Marking | No negative marking |
| Assessment Areas | Basic knowledge, application skills, case handling, and numerical aptitude |
Also Check: JAIIB PPB Syllabus
Which are the most important modules in JAIIB PPB syllabus?
The detailed module-wise important topics for the JAIIB PPB exam, scheduled to be held on 9th May and 22nd November, are as follows:
What is covered under Module A KYC & AML Compliance?
This module is high-yield and focuses on regulatory compliance and risk management. Questions often come directly from procedures and roles.
| Topic | Description | Approx. Marks |
| Customer Identification Procedure | Steps for verifying customers, documents required | 3–4 |
| Risk Categorization | Classification of customers into low, medium, high risk | 3–4 |
| PMLA Compliance & STR | Reporting suspicious transactions, record-keeping norms | 4–5 |
| Principal Officer & Director Roles | Responsibilities of designated officers in AML | 2–3 |
| Cash Transaction Limits & Due Diligence | Thresholds and reporting requirements | 2–3 |
What does Module B Priority Sector Lending & Loans include?
Covers agriculture, MSME, export, and retail loans. Practical calculations often appear from working capital, cash budget, and term loans.
| Topic | Description | Approx. Marks |
| Agriculture Advances | Direct, Indirect, Crop Loan Mechanism | 3–4 |
| MSME & Export Credit | Credit procedures, documentation | 3–4 |
| Lending Principles | Working capital, turnover method, inventory financing | 4–5 |
| Retail & Term Loans | Auto, personal loans, credit appraisal | 3–4 |
| Non-Fund Based Facilities | Bank guarantees, letters of credit | 2–3 |
What is included in Module C Digital Banking & Payment Systems?
Focuses on delivery channels, digital banking operations, and customer experience.
| Topic | Description | Approx. Marks |
| Core Banking & Digital Channels | CBS, internet banking, mobile banking, ATMs | 3–4 |
| Payment Systems | NEFT, RTGS, IMPS, UPI | 3–4 |
| Digital Threats & Mitigation | Cybersecurity, regulatory compliance | 2–3 |
| Digital Transformation | Recent trends & regulatory updates | 2–3 |
Also Check: JAIIB Admit Card 2026
What is covered in Module D Banker-Customer Relationship & Ethics?
Scenario-based questions dominate this module, testing ethics, governance, and regulatory compliance.
| Topic | Description | Approx. Marks |
| Banker-Customer Relationship | Roles: Debtor, Creditor, Trustee, Beneficiary, Agent | 3–4 |
| Duty of Secrecy & Right of Set-Off | Legal rights and obligations | 2–3 |
| Ethics & Governance | Employee ethics, corporate ethics, regulatory compliance | 4–5 |
| Committee Recommendations | Key recommendations by RBI/IRDA/Banks | 2–3 |
What does Module E Negotiable Instruments & Recovery cover?
Includes key instruments and recovery mechanisms under NPA/IBC framework.
| Topic | Description | Approx. Marks |
| Negotiable Instruments | Promissory note, bill of exchange, cheque, endorsement | 4–5 |
| Banker’s Protection | Sections 85, 131, 138 | 3–4 |
| NPA & Recovery | Insolvency, SARFAESI, DRT | 4–5 |
What is the best last-minute preparation strategy for PPB exam?
The last-minute preparation strategy for the JAIIB PPB exam focuses on revising key topics, practicing questions, and improving time management. Candidates should follow these steps for effective preparation:
- Focus on Important Modules: Revise Modules B, D, and E, giving more time to high-weightage topics.
- Practice Numericals and Case Studies: Solve questions on lending, credit management, and NPA recovery.
- Review Regulatory Updates: Revise recent banking circulars, PMLA amendments, and digital banking rules.
- Solve Scenario-Based Questions: Practice questions on banking ethics, corporate governance, and real-life banking situations.
- Take Mock Tests: Attempt full-length and module-wise tests to improve speed, accuracy, and time management.
FAQs
Together, these modules cover maximum marks, forming the core of the exam.
Yes, focus on high-frequency topics first. Minor topics can be partially revised.
Understand principles and roles rather than rote memorization. Practice past year case-based questions.
Yes, they are high-priority topics in Module C and repeatedly appear in exams.
Modules B and E cover agriculture, MSME, retail loans, term loans, non-fund based facilities, and NPA recovery.
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