Preparing for the JAIIB PPB (Principles & Practices of Banking) 2026 exam can feel challenging with so many topics to cover. The good news is that while exact questions may not repeat, certain topics do appear frequently every year. By focusing on these high-frequency areas and practicing MCQs from repeated topics, you can boost your confidence and maximize your score.
In this blog, we provide a curated list of 100 expected PPB questions, along with tips, preparation strategies, and a downloadable PDF to help you study efficiently.
Download PPB Questions for JAIIB Exam
The eBook contains 100 carefully selected PPB questions from topics that are most likely to be asked in the upcoming JAIIB exam. Each question comes with the correct answer to help you check your preparation. You can download the PPB Expected Questions PDF directly from the link below for quick and easy access.
What is the syllabus for JAIIB PPB 2026?
The JAIIB PPB paper is designed to test your understanding of banking principles, regulations, and practical applications. The revised syllabus covers 4 main modules:
| Module | Topics |
| Module A – Indian Financial System | Overview of Indian Financial System, Money Markets, Capital Markets, Government Securities Market, Insurance & Mutual Funds |
| Module B – Functions of Banks | Accepting Deposits, Lending, KYC/AML guidelines, Retail Banking, Ancillary Services, IT in Banking, Financial Inclusion |
| Module C – Banking Technology | Core Banking, Payment & Settlement Systems (NEFT, RTGS, IMPS, UPI), Digital Banking, Cybersecurity basics, Fintech |
| Module D – Support Services: Marketing & HRM | Marketing of Bank Products, Customer Relationship Management, Human Resource Management in Banks |
What is the exam pattern and marking scheme?
Understanding the exam structure is crucial for effective preparation:
| Parameter | Details |
| Paper | Principles & Practices of Banking (PPB) |
| Number of Questions | 100 MCQs |
| Duration | 2 hours |
| Passing Marks | 50/100 (Relaxation: 45 in one subject if overall 50% aggregate) |
| Mode | Online (CBT) |
| Conducted By | IIBF (Indian Institute of Banking & Finance) |
| Negative Marking | 0.25 marks per wrong answer in some formats |
Also Check,
| Related Topics | Link |
| 50 Most Repetitive JAIIB AFM MCQs | Click here to Check |
| 50 Most Repetitive JAIIB RBWM MCQs | Click here to Check |
| 50 Most Repetitive JAIIB IE & IFS MCQs | Click here to Check |
| 50 Most Repetitive JAIIB PPB MCQs | Click here to Check |
Which topics are most repetitive in PPB paper?
Based on the last 2 years of JAIIB exams, certain topics appear frequently. These are your high-priority areas for focused practice:
- Functions of RBI – Banker to Government, lender of last resort, issuing currency
- Deposits & Accounts – CASA, Term Deposits, NRE/NRO/FCNR accounts
- KYC & AML – Politically Exposed Persons (PEP), Customer Due Diligence (CDD)
- Negotiable Instruments – Cheques, bills of exchange, promissory notes; crossing & endorsement
- Loan Types – Priority Sector Lending norms, retail loans, working capital, term loans
- Payment Systems – NEFT, RTGS (minimum ₹2 lakh), IMPS (24×7), UPI
- Acts & Regulations – Banking Regulation Act, RBI Act, SARFAESI Act, PMLA, Negotiable Instruments Act
- Financial Inclusion – PM Jan Dhan Yojana, BCs (Business Correspondents)
- Banking Ombudsman – Grievance redressal under RBI
- Digital Banking & Fintech – Mobile banking, cybersecurity, digital wallets
Also download the JAIIB Previous Year Papers PDF
Expected PPB Questions for JAIIB Exam
Q1. Which of the following instruments is NOT a negotiable instrument under the NI Act, 1881?
Q2. The presentment of a bill of exchange for acceptance is required in which of the following cases?
Q3. What is the minimum balance requirement for a Basic Savings Bank Deposit Account (BSBDA)?
Q4. Which of the following statements about a Current Account is correct?
Q5. A customer wants to open a Recurring Deposit (RD) account. Which statement is correct?
Q6. A nomination facility in bank accounts is governed by which section of the Banking Regulation Act?
Q7. A post-dated cheque (PDC) presented before its date should be:
Q8. Which of the following statements about ‘payment in due course’ is correct?
Q9. The primary objective of the Know Your Customer (KYC) guidelines is:
Q10. Which of the following is an Officially Valid Document (OVD) for KYC purposes?
Quiz Summary
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| Test Name | Link |
| JAIIB IE and IFS Mock Test | Attempt Now |
| JAIIB PPB Mock Test | Attempt Now |
| JAIIB AFM Mock Test | Attempt Now |
| JAIIB RBWM Mock Test | Attempt Now |
Case Study Question
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?
- A) Rahul can operate the account by simply presenting his Aadhaar card at the branch
- B) The bank should obtain a court order appointing Rahul as her legal guardian before allowing account operation
- C) Mrs. Sunita can authorize Rahul through an Authorisation-cum-Indemnity letter with a thumb impression witnessed by two independent witnesses, or through a Power of Attorney
- D) The bank should freeze the account until Mrs. Sunita recovers and visits the branch personally
Answer: C) Mrs. Sunita can authorize Rahul through an Authorisation-cum-Indemnity letter with a thumb impression witnessed by two independent witnesses, or through a Power of Attorney
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?
- A) Adding a joint holder to an existing account is not permitted — Priya must open a separate new account
- B) The bank can add Priya as a joint holder with Mrs. Sunita’s consent; mandate options include ‘Either or Survivor,’ ‘Jointly,’ or ‘Former or Survivor’
- C) Joint accounts are permitted only between spouses — Priya cannot be added as Mrs. Sunita’s daughter
- D) Priya can be added only as a nominee, not as a joint account holder
Answer: B) The bank can add Priya as a joint holder with Mrs. Sunita’s consent; mandate options include ‘Either or Survivor,’ ‘Jointly,’ or ‘Former or Survivor’
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 |
What type of questions are expected in PPB?
PPB questions test both knowledge and practical understanding. The common types include:
| Question Type | Frequency | Example Topics |
| Conceptual MCQs | Very High | Principles of banking, regulations, KYC/AML, RBI functions |
| Numerical MCQs | Moderate | Interest calculations, financial ratios |
| Scenario-based / Application | High | Loan approvals, payment system operations, real banking situations |
| Regulatory/Update-based | Medium | RBI guidelines, recent circulars, Priority Sector Lending norms |
FAQs
Candidates need at least 50/100 in PPB, with relaxation to 45 if overall aggregate is 50% or more.
High-frequency topics include RBI functions, KYC/AML, CASA accounts, payment systems, and PSL.
The exam is 2 hours long and conducted online (CBT) with 100 MCQs.
- Indian Financial System Handwritten Notes, Download PDF
- JAIIB 2026 Questions from Repetitive Topics, Download Free PDF
- Attempt JAIIB PPB Previous Year Practice Quiz, Download PDF
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- Difference Between JAIIB & CAIIB, Eligibility, Exam Pattern
- JAIIB RBWM Exam Analysis for 17th May 2026, Shift-wise Review
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