The JAIIB RBWM November 2026 exam is scheduled for 29th November 2026 as part of the JAIIB examination conducted by the Indian Institute of Banking & Finance (IIBF). With limited time to cover the vast syllabus, working professionals need a focused preparation plan. Practising module-wise questions is one of the best ways to revise important topics and prepare effectively for the exam.
Download Free JAIIB RBWM Module B Practice Questions PDF
Download the free JAIIB RBWM Module B practice questions PDF to revise important topics such as retail banking products, credit scoring, digital payment systems, and loan recovery. Each question includes a simple explanation to help you understand key concepts and prepare effectively for the exam.
Attempt a Free JAIIB RBWM Module B Practice Quiz
Try the free JAIIB RBWM Module B practice quiz to evaluate your current preparation and improve your accuracy for the upcoming exam.
1. According to Maslow’s Hierarchy of Needs, which banking product most directly satisfies ‘Safety and Security’ needs of a customer?
2. Which of the following best defines a ‘product line’ in retail banking?
3. A bank is conducting market research to identify customer pain points before launching a new savings product. This activity belongs to which stage of the New Product Development (NPD) process?
4. In the context of the Product Life Cycle (PLC), a retail banking product is experiencing rapid growth in sales, increasing competition from other banks, and expanding profitability. Which stage is this?
5. Which of the following is NOT a valid constraint in New Product Development for retail banks?
6. CIBIL TransUnion Score ranges from 300 to 900. A score of 750 and above is generally considered:
7. Which of the following credit bureaus is licensed by RBI to operate in India?
8. Which of the following factors does a credit scoring model typically NOT consider?
9. A customer frequently applies for multiple new loans within a short period. How does this behaviour typically impact their credit score?
10. A Basic Savings Bank Deposit Account (BSBDA) holder wants to open another savings bank account at the same bank. As per RBI guidelines:
11. Which of the following statements about a Small Account (as per RBI guidelines) is CORRECT?
12. Post RBI’s deregulation of savings bank interest rates in October 2011, banks are required to:
13. A minor aged 12 years wants to independently operate a savings bank account. Which of the following is correct as per RBI guidelines?
14. Which of the following facilities is NOT normally permitted in savings bank accounts of illiterate persons?
15. A current account holder has not operated their account for a continuous period of two years. The account will be classified as:
16. As per the Income Tax Act, FD maturity proceeds of ₹20,000 or more must be repaid by a bank:
17. What is the minimum tenure for a Term Deposit (Fixed Deposit) for amounts below ₹15 lakh as per RBI guidelines?
18. Deposits that have not been operated or claimed for a period of 10 years or more are transferred by banks to:
19. In a locker agreement, if the sole hirer has nominated a person and the sole hirer subsequently dies, the bank should:
20. Under the PMAY – Credit Linked Subsidy Scheme (CLSS), the interest subsidy is calculated on an NPV basis at a discount rate of 9% for a maximum loan tenure of:
Quiz Summary
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What are the topics covered under RBWM Module B syllabus?
The RBWM Module B covers key areas related to retail banking products, customer needs, digital systems, and loan management, which are important for both exam and practical banking knowledge.
- Customer Requirements: Covers Maslow’s theory, customer expectations, and basic customer needs analysis.
- Product Development: Includes the product life cycle, stages of new product development, and related policies.
- Credit Scoring: Explains credit score basics, different scoring models, and the role of credit bureaus.
- Retail Liability Products: Covers savings accounts, current accounts, fixed deposits, and recurring deposits.
- Retail Asset Products: Includes home loans, vehicle loans, personal loans, and education loans.
- Cards: Focuses on credit cards, debit cards, prepaid cards, and contactless card services.
- Remittance Systems: Covers NEFT, RTGS, ECS, NACH, AePS, and BBPS payment systems.
- Digitisation: Includes digital banking services, customer analytics, and technology-based lending.
- AI in Banking: Explains the use of Artificial Intelligence (AI), its benefits, and challenges in banking.
- Loan Recovery: Covers the SARFAESI Act, Debt Recovery Tribunals (DRTs), Lok Adalat, and loan recovery processes.
- MIS: Explains the role of Management Information Systems (MIS) in decision-making and reporting.
- Securitization: Covers the basic concept of asset securitization and its role in retail banking.
Also Download:
Why should you attempt JAIIB RBWM Module B practice quiz?
Attempting the JAIIB RBWM Module B practice quiz helps you understand retail banking products, accounts, deposits, loans, credit management, and loan recovery. It also helps you revise digital payment systems, banking processes, and service channels while improving MCQ accuracy and practical understanding to solve concept-based and case-based questions with confidence.
What are the important topics for RBWM Module B exam?
RBWM Module B is highly practical and focuses on customer behaviour, banking products, and credit-related concepts. Questions are frequently asked from core areas like customer requirements, product development, loans, and cards, making these topics important for scoring well.
| Topic | Description |
| Customer Requirement & CRM | Maslow’s theory, customer segmentation, customer expectations |
| Product Development Stages (PDLS) | Product life cycle stages like introduction, growth, maturity |
| Retail Liabilities | Savings account, current account, term deposits |
| Loans | Home loans, education loans, basic loan processing concepts |
| Credit/Debit Cards | Features, types, and usage of cards |
Also Check,
| Related Topics | Link |
| 50 Most Repetitive JAIIB RBWM MCQs | Click here to Check |
| 50 Most Repetitive JAIIB PPB MCQs | Click here to Check |
| 50 Most Repetitive JAIIB IE & IFS MCQs | Click here to Check |
| 50 Most Repetitive JAIIB AFM MCQs | Click here to Check |
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 |
FAQs
It focuses on retail banking products, credit processes, digital banking, and loan recovery.
It is practical but scoring if concepts and applications are clear.
At least 80–100 quality MCQs per topic for strong preparation.
Yes, topics like NEFT, RTGS, and AI in banking are highly important.
Yes, with regular practice, it can be one of the highest scoring sections.
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