Principles and Practices of Banking (PPB) syllabus focuses on the key concepts and operations of the banking sector. The candidates who are preparing for the JAIIB exam must check out the latest JAIIB PPB Syllabus.
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
What is the JAIIB 2026 exam pattern?
The JAIIB PPB paper consists of 100 questions and each question will carry 1 mark. The duration of JAIIB Principles and Practices of Banking paper is 2 hours. There is no negative marking.
| Particulars | Details |
| Subject | Principles and Practices of Banking |
| No. of Questions | 100 |
| Total Marks | 100 |
| Duration | 2 hours |
JAIIB Module wise PPB Exam Syllabus
Principles and Practices of Banking (PPB) syllabus in detail for all the modules is discussed in this section, so read on the complete blog. Check detailed JAIIB Syllabus here.
What topics are covered in JAIIB PPB Module A (General Banking Operations)?
General Banking Operations covers essential banking functions and regulations. It includes topics such as the banker customer relationship, anti money laundering rules, account management, and foreign exchange services. It also addresses the roles of paying and collecting banks and various banking operations.
| Chapters | Topics (in points) |
| Banker–Customer Relationship | • Requirements to be called a bank • Banker–customer relationship • Bank as trustee, bailee, agent, lessor, indemnifier • Deposit products and services • Services to customers and investors |
| AML & KYC Guidelines | • Money laundering & terrorism financing risks • AML framework in India • KYC policy • PMLA obligations • FATF jurisdictions • FATCA/CRS reporting • Risk management and secrecy obligations |
| Operational Aspects of KYC | • KYC norms • Wire transfer rules • CKYCR • Monitoring of transactions |
| Opening Accounts of Various Customers | • Personal accounts • Accounts of different customers • Current account norms • Photographs of account holders • Legal Entity Identifier (LEI) |
| Operational Aspects of Deposit Accounts | • Features of deposit accounts • Interest on deposits • Inoperative and unclaimed deposits • Joint account operations • Nomination facility • Attachment orders |
| Clearing / Collection / Cash Handling | • Cheque Truncation System (CTS) • RBI collection guidelines • Cash custody • ATM and branch security |
| Banker’s Special Relationship | • Mandate • Power of Attorney (POA) • Banker’s lien • Right of set-off • Right of appropriation |
| Foreign Exchange Remittance Facilities | • FEMA evolution • Inward and outward remittances • Foreign exchange rules • Indo–Nepal remittance scheme |
| Operational Aspects of NRI Business | • NRI/PIO accounts • SNRR accounts • Property acquisition rules • Repatriation of income • NRI investments |
| Foreign Currency Accounts & Other Aspects | • Foreign currency accounts in India • Accounts outside India • Property acquisition abroad • FCRA 2010 |
| Cash Management Services | • Developments in CMS • Importance of CMS • Types of services • Challenges and issues |
| Negotiable Instruments & Cheque Handling | • Negotiable Instruments Act • Payment and collection of cheques • Crossing and endorsement • Forged instruments • Dishonour of cheques |
| Responsibility of Paying Bank | • Paying banker liability • Forged signatures • Payment in due course • Altered instruments |
| Responsibility of Collecting Bank | • Statutory protection • Duties of collecting bank |
| Ancillary Services | • Demand Drafts and Banker’s Cheques • NEFT, RTGS, EBT • Mobile & digital payments • Safe deposit lockers • Government business |
| Financial Inclusion & Literacy | • Financial inclusion initiatives • Use of technology • Financial literacy programs • RSETI |
| Customer Service Guidelines | • Customer service policies • ATM operations • Risk mitigation • Customer information |
| Duties & Rights of Banker and Customer | • Duty of secrecy • Duty of reasonable care • Garnishee orders • Banking Codes and Standards |
| Grievance Redressal & RBI Ombudsman Scheme | • Grievance redressal policy • Complaint handling system • RBI Integrated Ombudsman Scheme |
| Consumer Protection Act, 2019 | • Preamble and extent • Consumer protection councils • Dispute redressal commissions • Mediation and product liability |
| Right to Information Act, 2005 | • Applicability and definitions • Right to information • Public authority obligations • Appeals and penalties |
What topics are covered in JAIIB PPB Module B (Functions of Banks)?
The JAIIB PPB syllabus focuses on core banking operations and credit functions. It covers principles of lending, loan appraisal, documentation, securities, NPAs, banking laws, retail loans, priority sector lending, MSME and agricultural finance, along with government schemes and self-help groups, helping candidates build practical banking knowledge.
| Units | Organised Topics (Module-wise Details) |
| Principles of Lending, Borrowers & Credit Facilities | • Principles of lending • Types of borrowers • Fund-based facilities (working capital, term loans, demand loans) • Non-fund based facilities • Other credit facilities |
| Appraisal & Assessment of Credit Facilities | • Credit appraisal process • Appraisal techniques • Loan assessment methods • Working capital assessment • Term loan assessment |
| Operational Aspects of Loan Accounts | • Interest rates on loans • Credit management & monitoring • Loan operations & procedures • Accounting aspects of loan products • Recovery agents & Fair Practices Code |
| Types of Collaterals & Securities | • Secured vs unsecured loans • Types of securities • Advances against property, insurance, shares, deposits, gold • Vehicle finance & supply bills |
| Modes of Charging Securities | • Essentials of contracts • Contract of agency & bailment • Types of charges • Registration of charges |
| Documentation | • Types of loan documents • Documentation procedures |
| Non-Performing Assets (NPA) / Stressed Assets | • Definition & classification • Income recognition & provisioning norms • Resolution framework • Restructuring guidelines • NPA management |
| Laws Relating to Recovery of Dues | • DRB Act 1993 • SARFAESI Act • Insolvency & Bankruptcy Code • Legal Services Authorities Act • Law of Limitation |
| Contracts of Indemnity | • Features & enforceability • Rights of indemnity holder • Application in banking |
| Contracts of Guarantee & Bank Guarantee | • Parties & principles of guarantee • Liability of surety • Revocation & discharge • Types of bank guarantees • Precautions in issuance & payment |
| Letters of Credit | • Parties & types of LC • Documents under LC • UCPDC 600 • Bank obligations |
| Deferred Payment Guarantee | • Purpose • Payment methods |
| Laws Relating to Bill Finance | • Types of bills • Legal framework • Banker’s position in bill finance |
| Retail Loan Products | • Credit cards • Home loans • Personal loans • Consumer loans |
| Priority Sector Advances | • Targets & sub-targets • Categories of priority sector • Lending guidelines • Other lending modes |
| Agricultural Finance | • Short-term & long-term loans • Crop loans & KCC • PMFBY & MSP schemes |
| Finance to MFIs / NBFC Co-Lending | • Bank finance to NBFCs • NBFC-MFI lending • Co-lending framework • Scale Based Regulation (SBR) |
| MSME Finance | • MSMED Act • Credit schemes & policy package • TReDS • Credit guarantee schemes • Cluster-based financing |
| Government Sponsored Schemes | • DAY-NRLM • DAY-NULM • PMJDY • MUDRA • KVIC |
| Self-Help Groups (SHG) | • Concept & need of SHGs • Formation of SHGs • SHG-bank linkage programme • NRLM/NULM schemes |
What topics are covered in JAIIB PPB Module C (Banking Technology)?
Banking Technology explores essential banking technologies, including computer systems, payment methods, and data communication. It also addresses technology upgrades and security considerations to safeguard banking operations.
| Chapters | Details |
| Essentials of Bank Computerization | • Bank computerisation • Networking technologies in banks • Uninterrupted Power System (UPS) • Core banking solutions • Data warehousing and data mining |
| Operational Aspects of CBS Environment | • Functions performed by CBS • Flow and accounting of transactions • EOD & BOD operations • Password and logical access control • Parameter/master files • Security controls in CBS • Roles and responsibilities under CBS |
| Alternate Delivery Channels – Digital Banking | • Alternate delivery channels • ATMs and electronic cards • Electronic banking services • Customer protection in unauthorised transactions • TAT and compensation guidelines |
| Data Communication Network and EFT Systems | • Data communication networks • Major banking networks in India • Communication trends in banking • Evolution of EFT systems • SWIFT messaging • Automated clearing systems • Electronic payment systems |
| Digital Payment Systems – NPCI | • Electronic clearing systems • NPCI initiatives • Government digital payment initiatives |
| Impact of Technology Adoption & Banking Trends | • Technology development trends • Technology upgradation in banks • Global banking technology trends • Impact of IT on banking • Emerging technology trends |
| Security Considerations & Mitigation Measures | • Risk concern areas • Types of cyber threats • Control mechanisms • IS audit and IS security • Online fraud awareness • Disaster recovery management • IT Act framework • RBI cyber security framework • Integrated Ombudsman Scheme 2021 |
| Cyber Crimes & Fraud Risk Management | • Fraud vs crime • Incident response plan phases |
| Technology Trends – Fintech & Innovation | • e-RUPI • Fintech, RegTech, SupTech • Social media banking • Hashtag banking • Account aggregators • Open banking |
What topics are covered in JAIIB PPB Module D (Ethics in Banks and Financial Institutions)?
Ethics in Banks and Financial Institutions covers the importance of ethical practices in banking, including personal values, workplace behavior, and decision making. It also addresses employee responsibilities, data security, and the impact of technology on ethics.
| Chapters | Details (in Points) |
| Ethics, Business Ethics & Banking: An Integrated Perspective | • Values and ethics • Ethics and business values • Business ethics: definition, principles, and practice • Ethical crisis: is business ethics an oxymoron? • Ethical foundation of banking (finance depends on trust) • Ethical foundation of being a professional • Banking ethics in global context: Enron and its lessons • Global financial crisis • Ethics in Indian context: Satyam and its lessons • Indian bank case study |
| Ethics at the Individual Level | • Values, norms, beliefs, and their role • Core values: the value of a value • Morality and personal values • Value conflicts: how should I live? • Personal ethics vs business ethics (integrity and responsibility) • The Golden Rule • Understanding right and wrong • Ethical reasoning and real-world application • Ethical dilemmas and resolution • Framework of ethical decision-making |
| Ethical Dimensions: Employees | • Abuse of official position (insider trading, proprietary data, bribes, etc.) • Obligations to third parties • Job discrimination • Sexual harassment • Managing conflict of interests • Fair accounting practices and related party transactions • HRM ethics • Principles of representation and work environment • Employees as ethics ambassadors • Managers as ethical leaders |
| Work Ethics and the Workplace | • Meaning of work ethics • Ethical behaviour at the workplace and its benefits • Recognising ethical workplaces • Unethical behaviours: causes and remedies • Personal business during office time • Taking credit for others’ work • Ethical lapses and organisational culture • Ethics of a banker • Whistleblowing in banks • Whistleblowing law in India |
| Banking Ethics: Changing Dynamics | • Ethics and technology • Data security and privacy • Intellectual property rights • Patents and proprietary rights • Ethics of information security |
What is the paper-wise IIBF JAIIB 2026 exam dates?
The IIBF JAIIB 2026 exam will be conducted in two cycles May and November in online mode, covering four compulsory papers: Indian Economy & Indian Financial System, Principles & Practices of Banking, Accounting & Financial Management for Bankers, and Retail Banking & Wealth Management. The May cycle is scheduled from 3rd May 2026 to 17th May 2026, while the November cycle will be held between 1st November 2026 and 29th November 2026. Candidates will receive the exact exam timings through their admit cards.
| Exam Paper | May 2026 Exam Date | November 2026 Exam Date |
| Indian Economy & Indian Financial System | 3rd May 2026 | 1st November 2026 |
| Principles & Practices of Banking | 9th May 2026 | 22nd November 2026 |
| Accounting & Financial Management for Bankers | 10th May 2026 | 28th November 2026 |
| Retail Banking & Wealth Management | 17th May 2026 | 29th November 2026 |
Also Check: JAIIB Complete 2026 Exam Schedule
JAIIB PPB Syllabus 2026 – FAQs
The syllabus includes 4 modules which are General Banking Operations, Functions of Banks, Banking Technology, Ethics in Banks and Financial Institutions.
Yes, it is one of the four compulsory subjects in the JAIIB exam.
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