The Indian Institute of Banking and Finance has scheduled the JAIIB PPB 2026 exam on 9th May 2026. The exam consists of 100 questions for 100 marks and will be conducted for a duration of 2 hours. In this blog, we provide complete details about the expected paper level, module-wise difficulty, and topic-wise questions based on previous exam trends and banker feedback.
JAIIB PPB Exam Analysis 9th May 2026
Based on the feedback from professionals who will appear for the JAIIB PPB exam scheduled on 9th May 2026, the detailed analysis is being updated here.
The questions are a mix of conceptual, practical banking scenarios, and statement-based MCQs across all modules. A strong focus is likely on Modules A and B, with moderate coverage of Modules C and D. Detailed shift-wise analysis, topic distribution, and difficulty level will be updated after real exam feedback.
What was the level of the JAIIB PPB paper?
The JAIIB PPB Exam 2026 had an overall easy to moderate difficulty level across all shifts. Shift 1 was moderate with practical and regulatory banking questions, Shift 2 was the easiest with more direct conceptual questions, while Shift 3 was moderate and slightly more conceptual with questions from lending, MSME, and agriculture finance.
| Shift | Difficulty Level |
| Shift 1 | Moderate to Slightly Difficult |
| Shift 2 | Moderate [Most candidates found it easier than Shift 1] |
| Shift 3 | Moderate |
What are the topics from which questions were asked?
The topic-wise distribution for the JAIIB PPB 2026 exam is updated after the exam is conducted and feedback is received.
JAIIB PPB Exam 2026 Shift 3 Questions Asked
The JAIIB PPB Shift 3 Exam 2026 was rated as moderate by most candidates. Compared to Shift 2, the paper was slightly more conceptual and included several application-based questions.
- PSL limit and PSL weaker section
- Mortgage-related question
- Gross Advances and Net NPA
- RRBs and MSE limit
- ED-related question
- Satyam Computer case-based question
- Contract of Indemnity
- Ethics-based questions
- ATY minimum age
- Raw Material-related question
- PMFBY insurance premium for Rabi crops
- FEMA Act
- HUF account-related question
- Short Crop Insurance
- Phishing-related question
- Drip Irrigation
- Pledge
- Inland Bill
- Partnership and Mandate Letter
- DLTC-related question
- SHG default-related question
- Sub-Standard Assets
- Charge Card
- SNRR Account validity of 7 years
- NRO Account
- SWIFT full form/code-related question
- Negative Lien
- MSME-related question
- Net Working Capital
- Charge creation-related question
- Questions from Ethics and customer relationship topics
- Numericals based on banking concepts
JAIIB PPB Exam 2026 Shift 2 Questions Asked
The JAIIB PPB Shift 2 Exam 2026 was considered easier than Shift 1 by most candidates. The paper focused more on conceptual and practical banking questions, with several direct questions from legal provisions, financial inclusion, lending, and banking technology. Around 4–5 questions were also asked from Module D.
- Questions related to Ethics and customer service
- Working Capital-related questions
- Working Capital Assessment and KCC Limit Calculation
- White Label ATM
- Stages of Money Laundering
- Prevention of Money Laundering Act (PMLA)-based questions
- Minor Account opening and approach to Savings Account for minors
- Bill of Exchange
- Consumer Protection Act
- Deferred Payment Guarantee
- Local Area Network (LAN)
- Difference between Router and Hub
- Star Topology and networking concepts
- Questions from Module D (around 5 questions)
- Definition of RTI and who can file an RTI application
- Public Authority under RTI Act
- Customer and Banker relationship
- Authorization vs Authentication
- Payment Banks-related question
- SHG and Financial Inclusion
- Priority Sector Lending (PSL)
- Mortgage, Pledge, and Hypothecation
- Contract of Indemnity and Guarantee
- FEMA-related question
- Basel Norms
- SWIFT full form and code structure
- Questions based on Sections 56/60/61
- Numericals based on banking concepts
- NEFT/RTGS-related question
- Asset Provisioning
- SARFAESI Act-related question
- Bill Finance-related question
- Numericals (around 4–5 questions)
- ABC Account Opening-related question
- Flexi Account-related question
JAIIB PPB Exam 2026 Shift 1 Questions Asked
The JAIIB PPB Exam 2026 Shift 1 was rated as moderate by candidates. Most questions were asked from banking regulations, lending, security creation, financial inclusion, and customer relationship management. Several concept-based and case study questions were also seen in the exam. Some of the questions/topics asked were:
- Cheque under Section 6 of the Negotiable Instruments Act
- Star Topology and LAN concepts
- Asset Provisioning
- Priority Sector Lending (PSL) and PSL norms
- Exposure norms in banking
- Working Capital and Maximum Permissible Bank Finance (MPBF)
- Drawing Power and Existing Drawing Power
- Numerical based on Cash Credit (CC) limit
- Mortgage and delivery of goods under pledge
- Difference between Pledge, Hypothecation, Mortgage, and Assignment
- Security creation in Gold Loan, Car Loan, and Home Loan
- Prevention of Money Laundering Act (PMLA), 2002
- FEMA and FCRA-related questions
- Customer and Banker relationship
- Consumer Protection Act
- Public Authority under RTI Act
- Features of a Public Limited Company
- Ethics-related statement: “Ethics cannot be managed”
- Letter of Audit
- Definitions under the Indian Contract Act, 1872
- Contract of Indemnity and Contract of Guarantee
- Sections 56, 60, and 61-based questions
- Statement-based conceptual questions
- Financial Inclusion-related questions
- SHG (Self Help Group)
- E-RUPI
- Payment Banks
- Authorization vs Authentication
- Exchange Earner-related question
- Schedule 1-based question
- Maximum KCC limit and KCC Interest Subvention Scheme
- DLTC under KCC assessment
- Delayed payments in trade transactions (Buyer/Seller)
- TREDS platform for MSMEs
- Medium Enterprise provisioning norms
- Basel Norms
- Tandon Committee recommendations
- SARFAESI Act
- Housing Loan LTV ratio
- Liability of banker during natural calamities
- Minor Bank Account
- NEFT/RTGS code-related question
- PIO in banking
- SWIFT full form and SWIFT code structure
- GO Order Nisi
- Paying Banker and Collecting Banker section-based questions
- Numericals based on NPA and banking calculations
What was the module-wise difficulty level?
The module-wise difficulty level for the JAIIB PPB 2026 exam will be updated after the exam is conducted. Based on previous trends, Modules A and B generally carry higher weightage, while Modules C and D include practical and product-based questions.
| Module | Shift 1 | Shift 2 | Shift 3 |
| Module A | TBA | TBA | TBA |
| Module B | TBA | TBA | TBA |
| Module C | TBA | TBA | TBA |
| Module D | TBA | TBA | TBA |
JAIIB PPB Paper November 2025 Exam Analysis
The November 2025 JAIIB PPB exam was overall tough to moderate and notably lengthy across all shifts. The paper tested practical banking knowledge, legal concepts, and real-life application scenarios. A large number of questions were asked from Modules A and B, while Modules C and D had comparatively fewer but conceptually important questions.
How difficult was the JAIIB PPB November 2025 exam paper?
Based on candidate feedback, the paper required strong conceptual clarity and time management.
| Aspect | Details |
| Overall Difficulty Level | Tough to Moderate |
| Shift 1 | Toughest and very lengthy |
| Shift 2 | Moderate to Difficult |
| Shift 3 | Moderate to Difficult |
| Question Type | High number of practical and case-based questions |
| Key Focus Areas | Banking operations, legal aspects, and schemes |
| Nature of Paper | Lengthy and time-consuming |
What was the overall difficulty level and exam pattern in November 2025?
The difficulty varied across shifts, with Shift 1 being the most challenging.
| Shift | Difficulty Level | Key Observation |
| Shift 1 | Difficult | Very lengthy, case-based questions |
| Shift 2 | Moderate to Difficult | Balanced but time-consuming |
| Shift 3 | Moderate to Difficult | Conceptual + practical mix |
Which topics were asked in the JAIIB PPB November 2025 exam?
The exam covered a wide range of banking operations, legal frameworks, and financial products. Questions were mostly practical and application-based.
| Shift | Topics Covered |
| Shift 1 | DRT procedures, Accounting standards, Minor & Indian Majority Act, Cheque rules, BNA features, Bill finance, APY, DAY-NULM, IS audit, PSL housing, Warehouse receipt, NI Act sections, Case studies, Cloud computing, BSBD account, Overdraft, DPN, RTGS, SHG, Power of attorney, KYC, Mortgage types, Contract Act, Demand Draft, NPA, Agriculture, Partnership, Working capital, Cash management, Co-branded cards, Ombudsman scheme, Lien, Set-off, Garnishee order |
| Shift 2 | BNA, Cash deposit cards, Bank guarantee, Bills (clean & documentary), Agri finance, MSME, HUF, Minor account rules, SHG, Cheque, CGTMSE, Forex |
| Shift 3 | Raw material numerical, FDR rules, Patent, DPG, Working capital, Foreign accounts, CGTMSE, Cheque, NRE/NRO, PMEGP, LRS, Smart card, Section 131, APY, PMSBY, NPA, Ethics, Certificate of deposit, MSME, Loan against policy/deposit, SHG, POS, Demand draft, Agri NPA |
What were the module-wise questions asked in the JAIIB PPB November 2025 exam?
The exam clearly showed dominance of Modules A and B, with strong emphasis on banking operations and legal frameworks.
| Module | Topics |
| Module A | Banker-customer relationship, legal aspects, contract act, NI Act, KYC, mandates, minor accounts |
| Module B | Lending, working capital, MSME, agriculture finance, NPAs, priority sector |
| Module C | Banking services, deposits, payment systems, cards, digital banking |
| Module D | Government schemes, financial inclusion, insurance, pension schemes |
JAIIB PPB Paper May 2025 Exam Analysis
The JAIIB PPB May 2025 exam, conducted by the IIBF, was moderate to difficult, and many candidates found it lengthy and concept-based. The paper mainly tested practical banking knowledge, especially in lending, legal areas, and banking operations. A key feature of the exam was the high number of case-based and statement-based questions, along with some direct questions. Even familiar topics were asked in an application-based way, which made the exam feel more challenging.
How difficult was the JAIIB PPB May 2025 exam paper?
The overall level of the exam reflected a clear shift towards application and conceptual understanding rather than direct theory.
- Overall difficulty level: Moderate to Tough
- Paper was lengthy and time-consuming
- Questions were a mix of case study + one-liners
- Numerical questions were present and moderate in difficulty
- Conceptual clarity was essential to attempt questions accurately
- Even simple topics were asked in a tricky way
What was the overall exam pattern and question trend?
The exam followed a mixed pattern, combining practical scenarios with theoretical concepts.
| Aspect | Details |
| Difficulty Level | Moderate to Tough |
| Nature of Questions | Case study + one-liner mix |
| Numerical Questions | 5–6 questions (moderate level) |
| Paper Length | Lengthy |
| Focus Areas | Lending, legal concepts, banking operations |
| Question Style | Conceptual and application-based |
Which topics were asked in the JAIIB PPB May 2025 exam?
Based on detailed discussion and banker recall, the paper covered a wide range of topics across all modules, with strong emphasis on lending, legal framework, and banking services.
- Working Capital (Operating cycle, MPBF, Turnover method – Tandon Committee)
- Priority Sector Lending (PSL), ANBC concepts
- Garnishee Order (case-based questions)
- Banker-Customer Relationship (Debtor-Creditor, Bailee-Bailor)
- Joint Accounts (Either or Survivor, Former or Survivor)
- Minor Account rules and contract validity
- Mandate vs Power of Attorney
- Cheque-related concepts and case scenarios
- Holder in Due Course, Section 138
- Letter of Credit, Bank Guarantee, Bill Discounting
- Partnership accounts (death of partner case)
- Locker liability and compensation rules
- Credit card inactivity rules
- Small Account and BSBDA
- NRE/NRO accounts
- FCNR account basics
- Suspicious Transaction Reporting (STR/CTR)
- Ethics and work values
- Banking Ombudsman / Integrated Ombudsman Scheme
IT & Digital Banking topics:
- Network concepts (LAN, topology – mesh/star)
- Modem, switch, multiplexer basics
- Data mining, audit trail, IS audit
- Digital banking concepts (limited coverage)
What was the module-wise trend in questions?
The exam showed a relatively balanced distribution, but some modules had higher weightage.
| Module | Trend in Exam | Key Observation |
| Module A | Legal concepts, banker-customer relationship, accounts, mandates | Significant weightage due to practical and legal-based questions |
| Module B | Lending, working capital, PSL, ANBC | Strong dominance in the paper, highest weightage |
| Module C | Banking services, digital banking, audit concepts | Comparatively lighter but concept-based |
| Module D | Schemes, ethics, financial inclusion, basic awareness | Fewer questions, mostly conceptual |
FAQs
Ans. The JAIIB PPB 2026 exam is scheduled to be conducted on 9th May 2026.
Ans. As per the last exams, the difficulty level was moderate to tough and the paper was lengthy.
Ans. As per the last exams, Module B had the highest weightage with a strong focus on lending and working capital.
Ans. As per the last exams, a few moderate-level numerical questions were asked, mainly from working capital and PSL.
Ans. As per the last exams, working capital, PSL, banker-customer relationship, and legal concepts were highly important.
- Attempt JAIIB RBWM Module D Practice Quiz & Download PDF
- Attempt JAIIB RBWM Module C Free Quiz and Download PDF
- Attempt JAIIB RBWM Module B Quiz and Download Free PDF
- Attempt JAIIB RBWM Module A Practice Quiz & Download PDF
- JAIIB 2025 Previous Year Papers, Download Free PDF
- 50 Most Repetitive MCQs for JAIIB RBWM 2026, Download PDF
Hi, I’m Aditi. I work as a Content Writer at Oliveboard, where I have been simplifying exam-related content for the past 4 years. I create clear and easy-to-understand guides for JAIIB, CAIIB, and UGC exams. My work includes breaking down notifications, admit cards, and exam updates, as well as preparing study plans and subject-wise strategies.
My goal is to support working professionals in managing their exam preparation alongside a full-time job and to help them achieve career growth.