{"id":145175,"date":"2026-09-11T21:33:24","date_gmt":"2026-09-11T16:03:24","guid":{"rendered":"https:\/\/www.oliveboard.in\/blog\/?p=145175"},"modified":"2026-09-11T21:33:27","modified_gmt":"2026-09-11T16:03:27","slug":"jaiib-pyps","status":"publish","type":"post","link":"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/","title":{"rendered":"JAIIB 2026 Previous Year Papers, Download Free PDF"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg 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href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#JAIIB_May_2026_Memory_Based_Papers_Download_PDF\" >JAIIB May 2026 Memory Based Papers, Download PDF<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#JAIIB_November_2025_Memory_Based_PYPs_Download_PDF\" >JAIIB November 2025 Memory Based PYPs, Download PDF<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#JAIIB_May_2025_Memory_Based_PYPs_Download_PDF\" >JAIIB May 2025 Memory Based PYPs, Download PDF<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Attempt_JAIIB_Memory_Based_Paper_MCQs\" >Attempt JAIIB Memory Based Paper MCQs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link 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href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#i-3\" >&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Sign_Up-4\" >Sign Up<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Login-4\" >Login<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Forgot_Password-4\" >Forgot Password<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#i-4\" >&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Download_JAIIB_May_2024_past_year_paper_free_PDF\" >Download JAIIB May 2024 past year paper free PDF<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#JAIIB_October_2023_previous_year_paper_PDF\" >JAIIB October 2023 previous year paper PDF<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#JAIIB_May_2023_past_year_paper_free_PDF\" >JAIIB May 2023 past year paper free PDF<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Which_are_the_important_topics_for_JAIIB_IE_and_IFS_based_on_previous_year_question_paper_analysis\" >Which are the important topics for JAIIB IE and IFS based on previous year question paper analysis?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Which_committees_and_banking_reforms_are_frequently_asked_in_IE_and_IFS_papers\" >Which committees and banking reforms are frequently asked in IE and IFS papers?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Which_RBI_and_banking_regulation_topics_are_most_repeated_in_IE_and_IFS_past_papers\" >Which RBI and banking regulation topics are most repeated in IE and IFS past papers?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Which_insurance_and_pension_schemes_are_mostly_asked_in_the_JAIIB_IE_and_IFS_exam\" >Which insurance and pension schemes are mostly asked in the JAIIB IE and IFS exam?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Which_economic_reforms_and_macroeconomics_topics_are_commonly_asked_in_IE_and_IFS_previous_year_papers\" >Which economic reforms and macroeconomics topics are commonly asked in IE and IFS previous year papers?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Download_JAIIB_IE_and_IFS_module_wise_practice_questions_PDF\" >Download JAIIB IE and IFS module wise practice questions PDF<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Which_finance_capital_market_and_investment_topics_frequently_appear_in_the_exam\" >Which finance, capital market, and investment topics frequently appear in the exam?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Which_development_sustainability_microfinance_and_MSME_topics_are_important_for_the_exam\" >Which development, sustainability, microfinance, and MSME topics are important for the exam?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Which_numerical_and_formula-based_questions_appear_in_the_JAIIB_IE_and_IFS_papers\" >Which numerical and formula-based questions appear in the JAIIB IE and IFS papers?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#What_type_of_case_study_questions_are_mostly_asked_in_IE_and_IFS\" >What type of case study questions are mostly asked in IE and IFS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#JAIIB_PPB_important_topics_based_on_PYP_analysis\" >JAIIB PPB important topics based on PYP analysis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#What_banking_operations_and_customer_relationship_topics_are_asked_repeatedly_in_PPB_paper\" >What banking operations and customer relationship topics are asked repeatedly in PPB paper?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Which_credit_and_loan_product_concepts_appear_most_in_PPB_PYPs\" >Which credit and loan product concepts appear most in PPB PYPs?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Which_banking_technology_topics_should_be_focused_on_in_PPB_Module_C\" >Which banking technology topics should be focused on in PPB Module C?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Which_regulatory_and_legal_framework_topics_are_frequently_tested\" >Which regulatory and legal framework topics are frequently tested?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#What_numericals_and_case_studies_dominate_recent_PPB_exams\" >What numericals and case studies dominate recent PPB exams?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#What_are_the_JAIIB_AFM_important_topics_based_on_PYP_analysis\" >What are the JAIIB AFM important topics based on PYP analysis?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Why_are_Accounting_Standards_and_journal_entries_repeatedly_asked_in_AFM_paper\" >Why are Accounting Standards and journal entries repeatedly asked in AFM paper?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#How_important_are_Bond_valuation_and_Time_Value_of_Money_numericals_in_AFM\" >How important are Bond valuation and Time Value of Money numericals in AFM?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#What_role_do_Banking_Company_Accounts_and_Company_Law_concepts_play_in_AFM\" >What role do Banking Company Accounts and Company Law concepts play in AFM?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Which_Ratio_Analysis_and_Working_Capital_topics_appear_most_in_AFM_PYPs\" >Which Ratio Analysis and Working Capital topics appear most in AFM PYPs?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#What_special_%E2%80%9Ctrap%E2%80%9D_concepts_and_niche_areas_should_you_revise_before_the_JAIIB_AFM_exam\" >What special \u201ctrap\u201d concepts and niche areas should you revise before the JAIIB AFM exam?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-46\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#JAIIB_RBWM_important_topics_based_on_PYPs_analysis\" >JAIIB RBWM important topics based on PYPs analysis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-47\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#What_government_schemes_and_social_security_topics_are_frequently_asked_in_JAIIB_RBWM\" >What government schemes and social security topics are frequently asked in JAIIB RBWM?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-48\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Which_retail_loan_products_and_banking_operations_topics_have_high_weightage\" >Which retail loan products and banking operations topics have high weightage?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-49\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#What_marketing_and_wealth_management_concepts_are_repeatedly_tested_in_RBWM_paper\" >What marketing and wealth management concepts are repeatedly tested in RBWM paper?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-50\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Which_numericals_case_studies_and_regulatory_details_should_you_prioritise_for_RBWM_preparation\" >Which numericals, case studies, and regulatory details should you prioritise for RBWM preparation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-51\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#Why_should_professionals_practise_and_revise_JAIIB_previous_year_papers\" >Why should professionals practise and revise JAIIB previous year papers?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-52\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>The JAIIB 2026 notification has been released, with the November exam cycle starting on 1st November 2026. Candidates should begin their preparation early and practise JAIIB previous year question papers to understand the exam pattern, focus on important topics, improve accuracy, and manage time effectively during the 2-hour exam.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-jaiib-may-2026-memory-based-papers-download-pdf\"><span class=\"ez-toc-section\" id=\"JAIIB_May_2026_Memory_Based_Papers_Download_PDF\"><\/span>JAIIB May 2026 Memory Based Papers, Download PDF<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Candidates can download the IIBF JAIIB Memory-Based Question Papers for the May 2026 cycle through the direct link provided below and take their <a href=\"https:\/\/www.oliveboard.in\/jaiib-notification\/?ref=contac-nai-jaiib-pyp\">JAIIB November 2026 exam<\/a> preparation to the next level.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>JAIIB Papers<\/strong><\/td><td><strong>Link to Download<\/strong><\/td><\/tr><tr><td>JAIIB May 2026 AFM Paper<\/td><td><a href=\"https:\/\/www.oliveboard.in\/jaiib-memory-based-question-bank\/?ref=contac-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>JAIIB May 2026 IE and IFS Paper<\/td><td><a href=\"https:\/\/www.oliveboard.in\/jaiib-memory-based-question-bank\/?ref=contac-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>JAIIB May 2026 PPB Paper<\/td><td><a href=\"https:\/\/www.oliveboard.in\/jaiib-memory-based-question-bank\/?ref=contac-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>JAIIB May 2026 RBWM Paper<\/td><td><a href=\"https:\/\/www.oliveboard.in\/jaiib-memory-based-question-bank\/?ref=contac-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-jaiib-november-2025-memory-based-pyps-download-pdf\"><span class=\"ez-toc-section\" id=\"JAIIB_November_2025_Memory_Based_PYPs_Download_PDF\"><\/span>JAIIB November 2025 Memory Based PYPs, Download PDF<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Candidates can download the IIBF JAIIB previous year question papers for the November 2025 cycle through the direct link provided below and take their JAIIB 2026 exam preparation to the next level.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>JAIIB Papers<\/strong><\/td><td><strong>Link to Download<\/strong><\/td><\/tr><tr><td>JAIIB November 2025 AFM Paper<\/td><td><a href=\"https:\/\/www.oliveboard.in\/jaiib-memory-based-question-bank\/?ref=contac-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>JAIIB November 2025 IE and IFS Paper<\/td><td><a href=\"https:\/\/www.oliveboard.in\/jaiib-memory-based-question-bank\/?ref=contac-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>JAIIB November 2025 PPB Paper<\/td><td><a href=\"https:\/\/www.oliveboard.in\/jaiib-memory-based-question-bank\/?ref=contac-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>JAIIB November 2025 RBWM Paper<\/td><td><a href=\"https:\/\/www.oliveboard.in\/jaiib-memory-based-question-bank\/?ref=contac-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-jaiib-may-2025-memory-based-pyps-download-pdf\"><span class=\"ez-toc-section\" id=\"JAIIB_May_2025_Memory_Based_PYPs_Download_PDF\"><\/span>JAIIB May 2025 Memory Based PYPs, Download PDF<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Candidates can download the IIBF JAIIB previous year question papers for the May 2025 cycle through the direct link provided below:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>JAIIB May Papers<\/strong><\/td><td><strong>Link to Download<\/strong><\/td><\/tr><tr><td>JAIIB May 2025 AFM Paper<\/td><td><a href=\"https:\/\/www.oliveboard.in\/jaiib-memory-based-question-bank\/?ref=contac-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>JAIIB May 2025 IE and IFS Paper<\/td><td><a href=\"https:\/\/www.oliveboard.in\/jaiib-memory-based-question-bank\/?ref=contac-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>JAIIB May 2025&nbsp;PPB Paper<\/td><td><a href=\"https:\/\/www.oliveboard.in\/jaiib-memory-based-question-bank\/?ref=contac-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>JAIIB May 2025&nbsp;RBWM Paper<\/td><td><a href=\"https:\/\/www.oliveboard.in\/jaiib-memory-based-question-bank\/?ref=contac-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-attempt-jaiib-memory-based-paper-mcqs\"><span class=\"ez-toc-section\" id=\"Attempt_JAIIB_Memory_Based_Paper_MCQs\"><\/span>Attempt JAIIB Memory Based Paper MCQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>JAIIB Memory Based Paper MCQs are based on past exam trends to help candidates practice effectively. These questions cover key topics from all modules, providing a realistic exam experience.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-module-ie-amp-ifs-indian-economy-amp-indian-financial-system\">Module: IE &amp; IFS (Indian Economy &amp; Indian Financial System)<\/h3>\n\n\n\n<p>Check out a few questions from JAIIB IE&amp;IFS Paper and do not forget to check out<a href=\"https:\/\/www.oliveboard.in\/blog\/how-to-prepare-for-jaiib-ie-and-ifs-exam\/?ref=contss-jaiib-blog\" target=\"_blank\" rel=\"noreferrer noopener\"> JAIIB IE&amp;IFS Preparation<\/a> Strategy.<\/p>\n\n\n\n<!DOCTYPE html>\r\n<html lang=\"en\">\r\n<head>\r\n<meta charset=\"UTF-8\">\r\n<link rel=\"stylesheet\" href=\"https:\/\/courses.oliveboard.in\/edge\/css\/login-modal-for-blog.css\">\r\n\r\n<style>\r\n#quiz-1-sticky-header {\r\n  position: sticky;\r\n  top: 0;\r\n  z-index: 100;\r\n  background: #1565c0;\r\n  color: #fff;\r\n  padding: 12px 20px;\r\n  border-radius: 10px 10px 0 0;\r\n  display: flex;\r\n  justify-content: space-between;\r\n  align-items: center;\r\n  font-size: 16px;\r\n  font-weight: bold;\r\n  box-shadow: 0 2px 8px rgba(0,0,0,0.2);\r\n  margin: -20px -20px 20px -20px;\r\n}\r\n\r\n#quiz-1-score-badge {\r\n  background: rgba(255,255,255,0.2);\r\n  padding: 4px 12px;\r\n  border-radius: 20px;\r\n  font-size: 15px;\r\n  white-space: nowrap;\r\n}\r\n#quiz-1 * { box-sizing: border-box; }\r\n\r\n#quiz-1 .quiz-container {\r\n  max-width: 700px;\r\n  margin: auto;\r\n  padding: 20px;\r\n  background: #fff;\r\n  border-radius: 14px;\r\n  box-shadow: 0 6px 16px rgba(0,0,0,0.12);\r\n}\r\n\r\n#quiz-1 h2 {\r\n  text-align: center;\r\n}\r\n\r\n#quiz-1 .question {\r\n  margin-bottom: 22px;\r\n}\r\n\r\n#quiz-1 .question p {\r\n  font-weight: bold;\r\n}\r\n\r\n#quiz-1 button {\r\n  width: 100%;\r\n  padding: 12px;\r\n  margin: 6px 0;\r\n  border: none;\r\n  border-radius: 6px;\r\n  background: #e0e0e0;\r\n  color: #000;\r\n  font-size: 16px;\r\n  cursor: pointer;\r\n}\r\n\r\n#quiz-1 button:hover {\r\n  background: #d5d5d5;\r\n}\r\n\r\n#quiz-1 button.correct {\r\n  background: #4caf50;\r\n  color: #000;\r\n}\r\n\r\n#quiz-1 button.wrong {\r\n  background: #f44336;\r\n  color: #000;\r\n}\r\n\r\n#quiz-1 button.locked {\r\n  pointer-events: none;\r\n}\r\n\r\n\/* SUMMARY *\/\r\n#quiz-1 .final-summary {\r\n  margin-top: 40px;\r\n  padding: 20px;\r\n  border-radius: 14px;\r\n  background: #fafafa;\r\n  border: 2px solid #4caf50;\r\n}\r\n\r\n#quiz-1 .final-summary h3 {\r\n  text-align: center;\r\n  margin-bottom: 20px;\r\n}\r\n\r\n#quiz-1 .summary-row {\r\n  display: grid;\r\n  grid-template-columns: 120px 1fr 40px;\r\n  gap: 10px;\r\n  align-items: center;\r\n  margin-bottom: 12px;\r\n  font-weight: bold;\r\n}\r\n\r\n#quiz-1 .summary-bar {\r\n  height: 14px;\r\n  background: #ddd;\r\n  border-radius: 10px;\r\n  overflow: hidden;\r\n}\r\n\r\n#quiz-1 .bar-fill {\r\n  height: 100%;\r\n  width: 0%;\r\n}\r\n\r\n#quiz-1 .bar-attempted { background: #2196f3; }\r\n#quiz-1 .bar-correct { background: #4caf50; }\r\n#quiz-1 .bar-wrong { background: #f44336; }\r\n#quiz-1 .bar-unattempted { background: #9e9e9e; width: 100%; }\r\n\r\n#quiz-1 .final-score {\r\n  text-align: center;\r\n  font-size: 22px;\r\n  margin-top: 20px;\r\n}\r\n\r\n#quiz-1 .score-value {\r\n  font-size: 30px;\r\n  margin-left: 8px;\r\n}\r\n<\/style>\r\n<\/head>\r\n\r\n<body>\r\n<div id=\"quiz-1\">\r\n  <div class=\"quiz-container\">\r\n<div id=\"quiz-1-sticky-header\">\r\n  <span>JAIIB IE and IFS Memory Based Quiz<\/span>\r\n  <span id=\"quiz-1-score-badge\">Score: <strong id=\"quiz-1-score-value\">0.00<\/strong><\/span>\r\n<\/div>\r\n\r\n    <!-- QUESTIONS -->\r\n\r\n <div class=\"question\" data-answered=\"false\">\r\n  <p>1. What is the primary objective of monetary policy in India?<\/p>\r\n  <button data-correct=\"true\">a) Control inflation<\/button>\r\n  <button data-correct=\"false\">b) Regulate foreign exchange<\/button>\r\n  <button data-correct=\"false\">c) Promote employment<\/button>\r\n  <button data-correct=\"false\">d) Reduce fiscal deficit<\/button>\r\n<\/div>\r\n\r\n<div class=\"question\" data-answered=\"false\">\r\n  <p>2. What is the current base year for GDP calculation in India?<\/p>\r\n  <button data-correct=\"false\">a) 2004-05<\/button>\r\n  <button data-correct=\"true\">b) 2011-12<\/button>\r\n  <button data-correct=\"false\">c) 2014-15<\/button>\r\n  <button data-correct=\"false\">d) 2020-21<\/button>\r\n<\/div>\r\n\r\n<div class=\"question\" data-answered=\"false\">\r\n  <p>3. Which of the following is NOT a function of the Reserve Bank of India?<\/p>\r\n  <button data-correct=\"false\">a) Issuing currency<\/button>\r\n  <button data-correct=\"false\">b) Supervising non-banking financial companies<\/button>\r\n  <button data-correct=\"true\">c) Setting fiscal policy<\/button>\r\n  <button data-correct=\"false\">d) Managing foreign exchange<\/button>\r\n<\/div>\r\n\r\n<div class=\"question\" data-answered=\"false\">\r\n  <p>4. What does CRR stand for in banking?<\/p>\r\n  <button data-correct=\"true\">a) Cash Reserve Ratio<\/button>\r\n  <button data-correct=\"false\">b) Credit Risk Ratio<\/button>\r\n  <button data-correct=\"false\">c) Current Reserve Requirement<\/button>\r\n  <button data-correct=\"false\">d) Cash Revenue Rate<\/button>\r\n<\/div>\r\n\r\n<div class=\"question\" data-answered=\"false\">\r\n  <p>5. Which financial market instrument is used for short-term borrowing by governments?<\/p>\r\n  <button data-correct=\"true\">a) Treasury Bills<\/button>\r\n  <button data-correct=\"false\">b) Corporate Bonds<\/button>\r\n  <button data-correct=\"false\">c) Mutual Funds<\/button>\r\n  <button data-correct=\"false\">d) Equity Shares<\/button>\r\n<\/div>\r\n\r\n\r\n    <!-- FINAL SUMMARY -->\r\n    <div class=\"final-summary\">\r\n      <h3>Quiz Summary <\/h3>\r\n\r\n      <div class=\"summary-row\">\r\n        <span>Attempted<\/span>\r\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-attempted\" data-summary=\"attempted\"><\/div><\/div>\r\n        <span data-count=\"attempted\">0<\/span>\r\n      <\/div>\r\n\r\n      <div class=\"summary-row\">\r\n        <span>Correct<\/span>\r\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-correct\" data-summary=\"correct\"><\/div><\/div>\r\n        <span data-count=\"correct\">0<\/span>\r\n      <\/div>\r\n\r\n      <div class=\"summary-row\">\r\n        <span>Wrong<\/span>\r\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-wrong\" data-summary=\"wrong\"><\/div><\/div>\r\n        <span data-count=\"wrong\">0<\/span>\r\n      <\/div>\r\n\r\n      <div class=\"summary-row\">\r\n        <span>Unattempted<\/span>\r\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-unattempted\" data-summary=\"unattempted\"><\/div><\/div>\r\n        <span data-count=\"unattempted\">0<\/span>\r\n      <\/div>\r\n\r\n      <div class=\"final-score\">\r\n        Final Score: <span class=\"score-value\" data-score>0.0<\/span>\r\n      <\/div>\r\n    <\/div>\r\n\r\n  <\/div>\r\n<\/div>\r\n<div class=\"modal modal-obls\" id=\"modal-signup\">\r\n        <div class=\"modal-background\"><\/div>\r\n        <div class=\"modal-content\">\r\n           <div class=\"obls-group\" id=\"obls-group1\">\r\n               <div class=\"obls-blk\">\r\n                   <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/img-delivery.svg\" alt=\"\"><\/span>\r\n                   <h2 id=\"display-register-text\"><span class=\"ez-toc-section\" id=\"Sign_Up\"><\/span>Sign Up<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n                   <div class=\"loginas-group loginas-group1 loginas-group-single\">\r\n <div id=\"g_id_onload\" data-client_id=\"506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com\" ,=\"\" data-use_fedcm_for_prompt=\"true\" data-callback=\"handleOnetapResponse\">\r\n    <\/div>\r\n    <div class=\"g_id_signin\" data-type=\"standard\"><div class=\"S9gUrf-YoZ4jf\" style=\"position: relative;\"><div><\/div><iframe src=\"https:\/\/accounts.google.com\/gsi\/button?type=standard&amp;is_fedcm_supported=true&amp;client_id=506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com&amp;iframe_id=gsi_437394_8652&amp;cas=pwXumGxyCMNtIbjaV30qchi2A1vUar%2Faz%2FOE5HQ%2B0Zc\" class=\"L5Fo6c-PQbLGe\" allow=\"identity-credentials-get\" id=\"gsi_437394_8652\" title=\"Sign in with Google Button\" style=\"display: block; position: relative; top: 0px; left: 0px; height: 44px; width: 204px; border: 0px; margin: -2px -10px;\"><\/iframe><\/div><\/div>\r\n                   <\/div>\r\n                   <h6 class=\"signup-subheader\">Or, register with email<\/h6>\r\n                   <label class=\"errormsg txt-red courseUp\"><\/label>\r\n                   <div class=\"formcontrol-group\">\r\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mail.svg\" alt=\"\"><\/span>\r\n                        <input type=\"email\" name=\"email\" class=\"formcontrol ob-inputfield\" id=\"course-uemail\" required=\"\">\r\n                        <span class=\"floating-label\" style=\"top: 19px; font-size: 12px;\">Email Id<\/span>\r\n                   <\/div>\r\n                   <div class=\"formcontrol-group\">\r\n                        <span class=\"icon\"><img decoding=\"async\" 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30.47 0 24 0 14.62 0 6.51 5.38 2.56 13.22l7.98 6.19C12.43 13.72 17.74 9.5 24 9.5z\"><\/path><path fill=\"#4285F4\" d=\"M46.98 24.55c0-1.57-.15-3.09-.38-4.55H24v9.02h12.94c-.58 2.96-2.26 5.48-4.78 7.18l7.73 6c4.51-4.18 7.09-10.36 7.09-17.65z\"><\/path><path fill=\"#FBBC05\" d=\"M10.53 28.59c-.48-1.45-.76-2.99-.76-4.59s.27-3.14.76-4.59l-7.98-6.19C.92 16.46 0 20.12 0 24c0 3.88.92 7.54 2.56 10.78l7.97-6.19z\"><\/path><path fill=\"#34A853\" d=\"M24 48c6.48 0 11.93-2.13 15.89-5.81l-7.73-6c-2.15 1.45-4.92 2.3-8.16 2.3-6.26 0-11.57-4.22-13.47-9.91l-7.98 6.19C6.51 42.62 14.62 48 24 48z\"><\/path><path fill=\"none\" d=\"M0 0h48v48H0z\"><\/path><\/g><\/svg><\/div><span class=\"nsm7Bb-HzV7m-LgbsSe-BPrWId\">Sign in with Google<\/span><span class=\"L6cTce\" id=\"button-label\">Sign in with Google. Opens in new tab<\/span><\/div><\/div><\/div><iframe src=\"https:\/\/accounts.google.com\/gsi\/button?type=standard&amp;is_fedcm_supported=true&amp;client_id=506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com&amp;iframe_id=gsi_437400_306436&amp;cas=pwXumGxyCMNtIbjaV30qchi2A1vUar%2Faz%2FOE5HQ%2B0Zc\" class=\"L5Fo6c-PQbLGe\" allow=\"identity-credentials-get\" id=\"gsi_437400_306436\" title=\"Sign in with Google Button\" style=\"display: block; position: relative; top: 0px; left: 0px; height: 0px; width: 0px; border: 0px;\"><\/iframe><\/div><\/div>\r\n\r\n\r\n                   <\/div>\r\n                    <p class=\"obls-footer\">New to Oliveboard?<button class=\"btn btn-xs btn-switch-obls\" id=\"btn-show-modal-signup\">Register<\/button><\/p>\r\n               <\/div> \r\n            <\/div> \r\n            <div class=\"success-msg-group\" id=\"success-msg-group\"><!-- success msg -->\r\n                <div class=\"success-msg-blk\" id=\"success-msg-blk\">\r\n                    <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/success-ellipse.svg\" alt=\"\"><\/span>\r\n                    <h2 id=\"fpwd-success-msg-title\"><span class=\"ez-toc-section\" id=\"i\"><\/span>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n                    <p id=\"fpwd-success-msg-text\">&nbsp;<\/p>\r\n                    <div class=\"login-btn\">\r\n                        <button type=\"button\" class=\"btn btn-md btn-tblue modal-obls-close\">Ok<\/button>\r\n                    <\/div>\r\n\r\n                <\/div>\r\n            <\/div><!-- success msg -->\r\n\r\n        <\/div>\r\n        <button class=\"modal-close is-large modal-obls-close\" aria-label=\"close\"><\/button>\r\n    <\/div>\r\n\r\n<script src=\"https:\/\/s3-ap-southeast-1.amazonaws.com\/sg2.oliveboard.in\/static\/js\/jquery.js\"><\/script>\r\n\r\n<script>\r\nvar boxurl = window.location.href + '?log=1';\r\n\r\nfunction getUrlParam(name, defaultValue) {\r\n    const params = new URLSearchParams(window.location.search);\r\n    return params.has(name) ? params.get(name) : defaultValue;\r\n}\r\n\r\nvar l_log = getUrlParam('log', 0);\r\n<\/script>\r\n<script src=\"https:\/\/www.oliveboard.in\/js\/coursecommon.js?v=12\"><\/script>\r\n\r\n\r\n<script>\r\n(() => {\r\n  const quizContainer = document.getElementById('quiz-1');\r\n  const STORAGE_KEY = 'quiz_1_state';\r\n  let score = 0;\r\n  let attempted = 0;\r\n  let correct = 0;\r\n  let wrong = 0;\r\n\r\n  const questions = quizContainer.querySelectorAll(\".question\");\r\n  const total = questions.length;\r\n\r\n  function loadState() {\r\n    try { return JSON.parse(sessionStorage.getItem(STORAGE_KEY) || '{}'); }\r\n    catch { return {}; }\r\n  }\r\n\r\n  function saveState(data) {\r\n    sessionStorage.setItem(STORAGE_KEY, JSON.stringify(data));\r\n  }\r\n\r\n  function updateUI() {\r\n    const unattempted = total - attempted;\r\n    quizContainer.querySelector('[data-count=\"attempted\"]').textContent = attempted;\r\n    quizContainer.querySelector('[data-count=\"correct\"]').textContent = correct;\r\n    quizContainer.querySelector('[data-count=\"wrong\"]').textContent = wrong;\r\n    quizContainer.querySelector('[data-count=\"unattempted\"]').textContent = unattempted;\r\n    quizContainer.querySelector('[data-summary=\"attempted\"]').style.width = (attempted \/ total) * 100 + \"%\";\r\n    quizContainer.querySelector('[data-summary=\"correct\"]').style.width = (correct \/ total) * 100 + \"%\";\r\n    quizContainer.querySelector('[data-summary=\"wrong\"]').style.width = (wrong \/ total) * 100 + \"%\";\r\n    quizContainer.querySelector('[data-summary=\"unattempted\"]').style.width = (unattempted \/ total) * 100 + \"%\";\r\n    quizContainer.querySelector('[data-score]').textContent = score.toFixed(2);\r\n\r\n    \/\/ Live score update in sticky header\r\n    document.getElementById('quiz-1-score-value').textContent = score.toFixed(2);\r\n  }\r\n\r\n  function restoreQuestion(q, chosenIndex, wasCorrect) {\r\n    q.dataset.answered = \"true\";\r\n    const buttons = q.querySelectorAll(\"button\");\r\n    buttons.forEach(b => b.classList.add(\"locked\"));\r\n    if (wasCorrect) {\r\n      buttons[chosenIndex].classList.add(\"correct\");\r\n    } else {\r\n      buttons[chosenIndex].classList.add(\"wrong\");\r\n      q.querySelector(\"[data-correct='true']\").classList.add(\"correct\");\r\n    }\r\n  }\r\n\r\n  \/\/ Restore saved answers on page load\r\n  const savedAnswers = loadState();\r\nquestions.forEach((q, qIndex) => {\r\n    const saved = savedAnswers[qIndex];\r\n    if (saved !== undefined) {\r\n      attempted++;\r\n      if (saved.correct) { correct++; }\r\n      else { wrong++; }\r\n      restoreQuestion(q, saved.chosenIndex, saved.correct);\r\n    }\r\n  });\r\n  score = parseFloat((correct * 1 - wrong * 0.0).toFixed(2));\r\n  updateUI();\r\n\r\n  \/\/ Attach click handlers\r\n  questions.forEach((q, qIndex) => {\r\n    q.querySelectorAll(\"button\").forEach((btn, btnIndex) => {\r\n      btn.addEventListener(\"click\", () => {\r\n        if (q.dataset.answered === \"true\") return;\r\n        q.dataset.answered = \"true\";\r\n        attempted++;\r\n\r\n        if (attempted > 2 && l_log == 0) {\r\n          $('#modal-signup').addClass('is-active');\r\n        }\r\n\r\n        q.querySelectorAll(\"button\").forEach(b => b.classList.add(\"locked\"));\r\n        const isCorrect = btn.dataset.correct === \"true\";\r\n\r\n if (isCorrect) {\r\n          btn.classList.add(\"correct\");\r\n          correct++;\r\n        } else {\r\n          btn.classList.add(\"wrong\");\r\n          wrong++;\r\n          q.querySelector(\"[data-correct='true']\").classList.add(\"correct\");\r\n        }\r\n        score = parseFloat((correct * 1 - wrong * 0.00).toFixed(2));\r\n\r\n        savedAnswers[qIndex] = { chosenIndex: btnIndex, correct: isCorrect };\r\n        saveState(savedAnswers);\r\n        updateUI();\r\n      });\r\n    });\r\n  });\r\n\r\n  updateUI();\r\n})();\r\n<\/script>\r\n\r\n<\/body>\r\n<\/html>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-free-quizzes\/?ref=contac-nai-jaiib\" target=\"_blank\" rel=\"noreferrer noopener\">Also Attempt JAIIB Free Quizzes<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-module-ppb-principles-and-practices-of-banking\"><strong>Module: PPB (Principles and Practices of Banking)<\/strong><\/h3>\n\n\n\n<p>Check out a few questions from JAIIB PPB Paper and do not forget to check out<a href=\"https:\/\/www.oliveboard.in\/blog\/how-to-prepare-for-jaiib-ppb\/?ref=contss-jaiib-blog\" target=\"_blank\" rel=\"noreferrer noopener\"> JAIIB PPB Preparation<\/a> Strategy.<\/p>\n\n\n\n<!DOCTYPE html>\n<html lang=\"en\">\n<head>\n<meta charset=\"UTF-8\">\n<link rel=\"stylesheet\" href=\"https:\/\/courses.oliveboard.in\/edge\/css\/login-modal-for-blog.css\">\n\n<style>\n#quiz-2-sticky-header {\n  position: sticky;\n  top: 0;\n  z-index: 100;\n  background: #1565c0;\n  color: #fff;\n  padding: 12px 20px;\n  border-radius: 10px 10px 0 0;\n  display: flex;\n  justify-content: space-between;\n  align-items: center;\n  font-size: 16px;\n  font-weight: bold;\n  box-shadow: 0 2px 8px rgba(0,0,0,0.2);\n  margin: -20px -20px 20px -20px;\n}\n\n#quiz-2-score-badge {\n  background: rgba(255,255,255,0.2);\n  padding: 4px 12px;\n  border-radius: 20px;\n  font-size: 15px;\n  white-space: nowrap;\n}\n#quiz-2 * { box-sizing: border-box; }\n\n#quiz-2 .quiz-container {\n  max-width: 700px;\n  margin: auto;\n  padding: 20px;\n  background: #fff;\n  border-radius: 14px;\n  box-shadow: 0 6px 16px rgba(0,0,0,0.12);\n}\n\n#quiz-2 h2 {\n  text-align: center;\n}\n\n#quiz-2 .question {\n  margin-bottom: 22px;\n}\n\n#quiz-2 .question p {\n  font-weight: bold;\n}\n\n#quiz-2 button {\n  width: 100%;\n  padding: 12px;\n  margin: 6px 0;\n  border: none;\n  border-radius: 6px;\n  background: #e0e0e0;\n  color: #000;\n  font-size: 16px;\n  cursor: pointer;\n}\n\n#quiz-2 button:hover {\n  background: #d5d5d5;\n}\n\n#quiz-2 button.correct {\n  background: #4caf50;\n  color: #000;\n}\n\n#quiz-2 button.wrong {\n  background: #f44336;\n  color: #000;\n}\n\n#quiz-2 button.locked {\n  pointer-events: none;\n}\n\n\/* SUMMARY *\/\n#quiz-2 .final-summary {\n  margin-top: 40px;\n  padding: 20px;\n  border-radius: 14px;\n  background: #fafafa;\n  border: 2px solid #4caf50;\n}\n\n#quiz-2 .final-summary h3 {\n  text-align: center;\n  margin-bottom: 20px;\n}\n\n#quiz-2 .summary-row {\n  display: grid;\n  grid-template-columns: 120px 1fr 40px;\n  gap: 10px;\n  align-items: center;\n  margin-bottom: 12px;\n  font-weight: bold;\n}\n\n#quiz-2 .summary-bar {\n  height: 14px;\n  background: #ddd;\n  border-radius: 10px;\n  overflow: hidden;\n}\n\n#quiz-2 .bar-fill {\n  height: 100%;\n  width: 0%;\n}\n\n#quiz-2 .bar-attempted { background: #2196f3; }\n#quiz-2 .bar-correct { background: #4caf50; }\n#quiz-2 .bar-wrong { background: #f44336; }\n#quiz-2 .bar-unattempted { background: #9e9e9e; width: 100%; }\n\n#quiz-2 .final-score {\n  text-align: center;\n  font-size: 22px;\n  margin-top: 20px;\n}\n\n#quiz-2 .score-value {\n  font-size: 30px;\n  margin-left: 8px;\n}\n<\/style>\n<\/head>\n\n<body>\n<div id=\"quiz-2\">\n  <div class=\"quiz-container\">\n<div id=\"quiz-2-sticky-header\">\n  <span> JAIIB PPB Memory Based Quiz<\/span>\n  <span id=\"quiz-2-score-badge\">Score: <strong id=\"quiz-2-score-value\">0.00<\/strong><\/span>\n<\/div>\n\n    <!-- QUESTIONS -->\n\n <div class=\"question\" data-answered=\"false\">\n  <p>1. Identify the incorrect statements:<\/p>\n<p style=\"font-weight: normal;\">\n  I. Private Ltd restricts the right to transfer its shares but permit invitation to public to subscribe for any of its securities.<br>\n  II. A subsidiary company of another company that is not a private company is deemed to be public company, even if registered as a private company.<br>\n  III. A company in which fifty per cent or more of the shares are held by any one or more of the Central\/ State Governments, including a subsidiary of such a company is called a Government Company.\n<\/p>\n  <button data-correct=\"false\">A. I only<\/button>\n  <button data-correct=\"true\">B. II and III only<\/button>\n  <button data-correct=\"false\">C. III only<\/button>\n  <button data-correct=\"false\">D. II and I only<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>2. Mr. Rajat, a farmer residing in a rural area, has his savings account in a bank branch that is being taken over by another bank. He wants to understand how the transfer will affect his account. What happens to the terms of the contract governing deposit accounts when a bank branch is taken over by another bank in rural and semiurban centers?<\/p>\n  <button data-correct=\"false\">a) The terms of the contract are renegotiated with the new bank branch<\/button>\n  <button data-correct=\"false\">b) The terms of the contract are decided by the regulatory authority<\/button>\n  <button data-correct=\"false\">c) The terms of the contract are invalidated<\/button>\n  <button data-correct=\"true\">d) The terms of the contract remain the same as agreed with the original bank Branch<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>3. What is the procedure for handling shortages and excesses in cash balances at a bank branch?<\/p>\n  <button data-correct=\"true\">a) Shortages are recovered from the Suspense Account, and excesses are credited to the Sundry Deposit Account.<\/button>\n  <button data-correct=\"false\">b) Shortages are immediately recovered from the responsible staff, and excesses are debited to the Suspense Account.<\/button>\n  <button data-correct=\"false\">c) Shortages are recovered on the same day from the responsible staff, and excesses are credited to the Cash Officer\/Head Cashier\/Cashier.<\/button>\n  <button data-correct=\"false\">d) Shortages are debited to the Suspense Account, and excesses are credited to the responsible staff.<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>4. Which of the following instruments is a negotiable instrument under the NI Act, 1881?<\/p>\n  <button data-correct=\"false\">a) Fixed Deposit Receipt<\/button>\n  <button data-correct=\"true\">b) Cheque<\/button>\n  <button data-correct=\"false\">c) Bank Guarantee<\/button>\n  <button data-correct=\"false\">d) Savings Certificate<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>5. What does CASA stand for in banking?<\/p>\n  <button data-correct=\"true\">a) Current Account Savings Account<\/button>\n  <button data-correct=\"false\">b) Credit and Savings Account<\/button>\n  <button data-correct=\"false\">c) Cash and Savings Access<\/button>\n  <button data-correct=\"false\">d) Consolidated Account Savings Analysis<\/button>\n<\/div>\n\n    <!-- FINAL SUMMARY -->\n    <div class=\"final-summary\">\n      <h3>Quiz Summary <\/h3>\n\n      <div class=\"summary-row\">\n        <span>Attempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-attempted\" data-summary=\"attempted\"><\/div><\/div>\n        <span data-count=\"attempted\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Correct<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-correct\" data-summary=\"correct\"><\/div><\/div>\n        <span data-count=\"correct\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Wrong<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-wrong\" data-summary=\"wrong\"><\/div><\/div>\n        <span data-count=\"wrong\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Unattempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-unattempted\" data-summary=\"unattempted\"><\/div><\/div>\n        <span data-count=\"unattempted\">0<\/span>\n      <\/div>\n\n      <div class=\"final-score\">\n        Final Score: <span class=\"score-value\" data-score>0.0<\/span>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/div>\n<div class=\"modal modal-obls\" id=\"modal-signup\">\n        <div class=\"modal-background\"><\/div>\n        <div class=\"modal-content\">\n           <div class=\"obls-group\" id=\"obls-group1\">\n               <div class=\"obls-blk\">\n                   <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/img-delivery.svg\" alt=\"\"><\/span>\n                   <h2 id=\"display-register-text\"><span class=\"ez-toc-section\" id=\"Sign_Up-2\"><\/span>Sign Up<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                   <div class=\"loginas-group loginas-group1 loginas-group-single\">\n <div id=\"g_id_onload\" data-client_id=\"506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com\" ,=\"\" data-use_fedcm_for_prompt=\"true\" data-callback=\"handleOnetapResponse\">\n    <\/div>\n    <div class=\"g_id_signin\" data-type=\"standard\"><div class=\"S9gUrf-YoZ4jf\" style=\"position: relative;\"><div><\/div><iframe src=\"https:\/\/accounts.google.com\/gsi\/button?type=standard&amp;is_fedcm_supported=true&amp;client_id=506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com&amp;iframe_id=gsi_437394_8652&amp;cas=pwXumGxyCMNtIbjaV30qchi2A1vUar%2Faz%2FOE5HQ%2B0Zc\" class=\"L5Fo6c-PQbLGe\" allow=\"identity-credentials-get\" id=\"gsi_437394_8652\" title=\"Sign in with Google Button\" style=\"display: block; position: relative; top: 0px; left: 0px; height: 44px; width: 204px; border: 0px; margin: -2px -10px;\"><\/iframe><\/div><\/div>\n                   <\/div>\n                   <h6 class=\"signup-subheader\">Or, register with email<\/h6>\n                   <label class=\"errormsg txt-red courseUp\"><\/label>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mail.svg\" alt=\"\"><\/span>\n                        <input type=\"email\" name=\"email\" class=\"formcontrol ob-inputfield\" id=\"course-uemail\" required=\"\">\n                        <span class=\"floating-label\" style=\"top: 19px; font-size: 12px;\">Email Id<\/span>\n                   <\/div>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mobile-black.svg\" alt=\"\"><\/span>\n                        <input type=\"text\" maxlength=\"10\" name=\"monum\" class=\"formcontrol ob-inputfield\" id=\"course-uphone\" required=\"\">\n                        <span class=\"floating-label\">Mobile Number<\/span>\n                   <\/div>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-lock.svg\" alt=\"\"><\/span>\n                        <input type=\"password\" name=\"pwd\" class=\"formcontrol ob-inputfield\" id=\"course-upassword\" required=\"\">\n                        <span class=\"floating-label\">Password<\/span>\n                   <\/div>\n                   <button type=\"button\" class=\"btn btn-md btn-tblue btn-obls\" onclick=\"courseUpValidation('home','IBPS','https:\/\/u1.oliveboard.in\/exams\/?c=dashboard&amp;i=common');return false;\" id=\"courseup\">REGISTER<\/button>\n                    <p class=\"obls-footer\">Already a user?<button type=\"button\" class=\"btn btn-xs btn-switch-obls btn-show-modal-login\" id=\"btn-show-modal-login\">Login<\/button><\/p>\n               <\/div> \n            <\/div> \n        <\/div>\n        <button class=\"modal-close is-large modal-obls-close\" aria-label=\"close\"><\/button>\n    <\/div>\n\n<div class=\"modal modal-obls\" id=\"modal-login\">\n        <div class=\"modal-background\"><\/div>\n        <div class=\"modal-content\">\n           <div class=\"obls-group\" id=\"obls-group2\">\n               <div class=\"obls-blk\">\n                   <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/img-run-health.svg\" alt=\"\"><\/span>\n                   <div id=\"login-group-abc\" class=\"lfp-group-abc\"><!-- start login group -->\n                       <h2><span class=\"ez-toc-section\" id=\"Login-2\"><\/span>Login<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                       <label class=\"errormsg txt-red courseIn\"><\/label>\n                       <div class=\"formcontrol-group disable-loginemail\">\n                            <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mail.svg\" alt=\"\"><\/span>\n                            <input type=\"email\" name=\"email\" class=\"formcontrol ob-inputfield\" id=\"course-email\" required=\"\">\n                            <span class=\"floating-label\">Email Id<\/span>\n                       <\/div>\n                       <div class=\"loginnext-group\" id=\"loginnext-group\"><!-- pass and captcha -->\n                           <div class=\"formcontrol-group\">\n                                <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-lock.svg\" alt=\"\"><\/span>\n                                <input type=\"password\" name=\"pwd\" class=\"formcontrol ob-inputfield\" id=\"course-password\" required=\"\">\n                                <span class=\"floating-label\">Password<\/span>\n                           <\/div>\n                           <div style=\"display:none\" id=\"img-oblcaptcha\" class=\"captcha-img-blk\">\n                           <\/div>\n                           <div style=\"display:none\" class=\"formcontrol-group captcha-input-blk\">\n                                <input type=\"text\" name=\"pwd1\" value=\"1\" class=\"formcontrol ob-inputfield\" id=\"lcaptcha-code\" required=\"\">\n                                <span class=\"floating-label\">Enter text you see in the image<\/span>\n                           <\/div>\n                       <\/div><!-- pass and captcha -->\n                       \n                       <div class=\"btn-forgotpwd-group\"><button id=\"btn-forgotpwd\" class=\"btn btn-forgotpwd\">Forgot Password?<\/button><\/div>\n                       <button type=\"button\" id=\"coursein1\" class=\"btn btn-md btn-tblue btn-obls\" onclick=\"courseInValidation1()\">Next<\/button>\n                       <button type=\"button\" id=\"coursein\" class=\"btn btn-md btn-tblue btn-obls coursein\" onclick=\"courseInValidation('https:\/\/u1.oliveboard.in\/exams\/?c=dashboard&amp;i=common')\">Submit<\/button>\n                       <form method=\"post\" action=\"https:\/\/login.oliveboard.in\/login\/next.php\" id=\"snf1\">\n                        <input type=\"hidden\" name=\"email\" value=\"\" id=\"lemailnext\">\n                        <\/form>\n                   <\/div><!-- end login group -->\n                   <div id=\"forgotpwd-group-abc\" class=\"lfp-group-abc forgotpwd-group-abc\"><!-- start forgotpwd group -->\n                       <h2><span class=\"ez-toc-section\" id=\"Forgot_Password-2\"><\/span>Forgot Password<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                       <p class=\"secintro-txt\">Please enter the Email ID we will send you a Email with the link to reset the password.<\/p>\n                       <label class=\"errormsg txt-red rePassMsg\"><\/label>\n                       <div class=\"formcontrol-group formcontrol-group-fp\">\n                            <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mail.svg\" alt=\"\"><\/span>\n                            <input type=\"email\" name=\"email\" class=\"formcontrol ob-inputfield\" id=\"remail\" required=\"\">\n                            <span class=\"floating-label\">Email Id<\/span>\n                       <\/div>\n                       <div class=\"loginas-group loginas-group1\">\n                            <button type=\"button\" id=\"btn-fpwd-cancel\" class=\"btn btn-md btn-white btn-cancel btn-fpwd-cancel\">Cancel<\/button>\n                            <button type=\"button\" id=\"lreset\" class=\"btn btn-md btn-tblue btn-fpwd-submit\" onclick=\"resetPassword()\">Submit<\/button>\n                       <\/div>\n                    <\/div><!-- end forgotpwd group --> \n                   <h6 class=\"login-subheader\">Or, login with<\/h6>\n                   <div class=\"loginas-group loginas-group2 loginas-group-single\">\n\n <div id=\"g_id_onload\" data-client_id=\"506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com\" ,=\"\" data-use_fedcm_for_prompt=\"true\" data-callback=\"handleOnetapResponse\">\n    <\/div>\n    <div class=\"g_id_signin\" data-type=\"standard\"><div class=\"S9gUrf-YoZ4jf\" style=\"position: relative;\"><div><div tabindex=\"0\" role=\"button\" aria-labelledby=\"button-label\" class=\"nsm7Bb-HzV7m-LgbsSe  hJDwNd-SxQuSe i5vt6e-Ia7Qfc uaxL4e-RbRzK\"><div class=\"nsm7Bb-HzV7m-LgbsSe-MJoBVe\"><\/div><div class=\"nsm7Bb-HzV7m-LgbsSe-bN97Pc-sM5MNb \"><div class=\"nsm7Bb-HzV7m-LgbsSe-Bz112c\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 48 48\" class=\"LgbsSe-Bz112c\"><g><path fill=\"#EA4335\" d=\"M24 9.5c3.54 0 6.71 1.22 9.21 3.6l6.85-6.85C35.9 2.38 30.47 0 24 0 14.62 0 6.51 5.38 2.56 13.22l7.98 6.19C12.43 13.72 17.74 9.5 24 9.5z\"><\/path><path fill=\"#4285F4\" d=\"M46.98 24.55c0-1.57-.15-3.09-.38-4.55H24v9.02h12.94c-.58 2.96-2.26 5.48-4.78 7.18l7.73 6c4.51-4.18 7.09-10.36 7.09-17.65z\"><\/path><path fill=\"#FBBC05\" d=\"M10.53 28.59c-.48-1.45-.76-2.99-.76-4.59s.27-3.14.76-4.59l-7.98-6.19C.92 16.46 0 20.12 0 24c0 3.88.92 7.54 2.56 10.78l7.97-6.19z\"><\/path><path fill=\"#34A853\" d=\"M24 48c6.48 0 11.93-2.13 15.89-5.81l-7.73-6c-2.15 1.45-4.92 2.3-8.16 2.3-6.26 0-11.57-4.22-13.47-9.91l-7.98 6.19C6.51 42.62 14.62 48 24 48z\"><\/path><path fill=\"none\" d=\"M0 0h48v48H0z\"><\/path><\/g><\/svg><\/div><span class=\"nsm7Bb-HzV7m-LgbsSe-BPrWId\">Sign in with Google<\/span><span class=\"L6cTce\" id=\"button-label\">Sign in with Google. Opens in new tab<\/span><\/div><\/div><\/div><iframe src=\"https:\/\/accounts.google.com\/gsi\/button?type=standard&amp;is_fedcm_supported=true&amp;client_id=506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com&amp;iframe_id=gsi_437400_306436&amp;cas=pwXumGxyCMNtIbjaV30qchi2A1vUar%2Faz%2FOE5HQ%2B0Zc\" class=\"L5Fo6c-PQbLGe\" allow=\"identity-credentials-get\" id=\"gsi_437400_306436\" title=\"Sign in with Google Button\" style=\"display: block; position: relative; top: 0px; left: 0px; height: 0px; width: 0px; border: 0px;\"><\/iframe><\/div><\/div>\n\n\n                   <\/div>\n                    <p class=\"obls-footer\">New to Oliveboard?<button class=\"btn btn-xs btn-switch-obls\" id=\"btn-show-modal-signup\">Register<\/button><\/p>\n               <\/div> \n            <\/div> \n            <div class=\"success-msg-group\" id=\"success-msg-group\"><!-- success msg -->\n                <div class=\"success-msg-blk\" id=\"success-msg-blk\">\n                    <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/success-ellipse.svg\" alt=\"\"><\/span>\n                    <h2 id=\"fpwd-success-msg-title\"><span class=\"ez-toc-section\" id=\"i-2\"><\/span>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                    <p id=\"fpwd-success-msg-text\">&nbsp;<\/p>\n                    <div class=\"login-btn\">\n                        <button type=\"button\" class=\"btn btn-md btn-tblue modal-obls-close\">Ok<\/button>\n                    <\/div>\n\n                <\/div>\n            <\/div><!-- success msg -->\n\n        <\/div>\n        <button class=\"modal-close is-large modal-obls-close\" aria-label=\"close\"><\/button>\n    <\/div>\n\n<script src=\"https:\/\/s3-ap-southeast-1.amazonaws.com\/sg2.oliveboard.in\/static\/js\/jquery.js\"><\/script>\n\n<script>\nvar boxurl = window.location.href + '?log=1';\n\nfunction getUrlParam(name, defaultValue) {\n    const params = new URLSearchParams(window.location.search);\n    return params.has(name) ? params.get(name) : defaultValue;\n}\n\nvar l_log = getUrlParam('log', 0);\n<\/script>\n<script src=\"https:\/\/www.oliveboard.in\/js\/coursecommon.js?v=12\"><\/script>\n\n\n<script>\n(() => {\n  const quizContainer = document.getElementById('quiz-2');\n  const STORAGE_KEY = 'quiz_2_state';\n  let score = 0;\n  let attempted = 0;\n  let correct = 0;\n  let wrong = 0;\n\n  const questions = quizContainer.querySelectorAll(\".question\");\n  const total = questions.length;\n\n  function loadState() {\n    try { return JSON.parse(sessionStorage.getItem(STORAGE_KEY) || '{}'); }\n    catch { return {}; }\n  }\n\n  function saveState(data) {\n    sessionStorage.setItem(STORAGE_KEY, JSON.stringify(data));\n  }\n\n  function updateUI() {\n    const unattempted = total - attempted;\n    quizContainer.querySelector('[data-count=\"attempted\"]').textContent = attempted;\n    quizContainer.querySelector('[data-count=\"correct\"]').textContent = correct;\n    quizContainer.querySelector('[data-count=\"wrong\"]').textContent = wrong;\n    quizContainer.querySelector('[data-count=\"unattempted\"]').textContent = unattempted;\n    quizContainer.querySelector('[data-summary=\"attempted\"]').style.width = (attempted \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-summary=\"correct\"]').style.width = (correct \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-summary=\"wrong\"]').style.width = (wrong \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-summary=\"unattempted\"]').style.width = (unattempted \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-score]').textContent = score.toFixed(2);\n\n    \/\/ Live score update in sticky header\n    document.getElementById('quiz-2-score-value').textContent = score.toFixed(2);\n  }\n\n  function restoreQuestion(q, chosenIndex, wasCorrect) {\n    q.dataset.answered = \"true\";\n    const buttons = q.querySelectorAll(\"button\");\n    buttons.forEach(b => b.classList.add(\"locked\"));\n    if (wasCorrect) {\n      buttons[chosenIndex].classList.add(\"correct\");\n    } else {\n      buttons[chosenIndex].classList.add(\"wrong\");\n      q.querySelector(\"[data-correct='true']\").classList.add(\"correct\");\n    }\n  }\n\n  \/\/ Restore saved answers on page load\n  const savedAnswers = loadState();\nquestions.forEach((q, qIndex) => {\n    const saved = savedAnswers[qIndex];\n    if (saved !== undefined) {\n      attempted++;\n      if (saved.correct) { correct++; }\n      else { wrong++; }\n      restoreQuestion(q, saved.chosenIndex, saved.correct);\n    }\n  });\n  score = parseFloat((correct * 1 - wrong * 0.0).toFixed(2));\n  updateUI();\n\n  \/\/ Attach click handlers\n  questions.forEach((q, qIndex) => {\n    q.querySelectorAll(\"button\").forEach((btn, btnIndex) => {\n      btn.addEventListener(\"click\", () => {\n        if (q.dataset.answered === \"true\") return;\n        q.dataset.answered = \"true\";\n        attempted++;\n\n        if (attempted > 2 && l_log == 0) {\n          $('#modal-signup').addClass('is-active');\n        }\n\n        q.querySelectorAll(\"button\").forEach(b => b.classList.add(\"locked\"));\n        const isCorrect = btn.dataset.correct === \"true\";\n\n if (isCorrect) {\n          btn.classList.add(\"correct\");\n          correct++;\n        } else {\n          btn.classList.add(\"wrong\");\n          wrong++;\n          q.querySelector(\"[data-correct='true']\").classList.add(\"correct\");\n        }\n        score = parseFloat((correct * 1 - wrong * 0.00).toFixed(2));\n\n        savedAnswers[qIndex] = { chosenIndex: btnIndex, correct: isCorrect };\n        saveState(savedAnswers);\n        updateUI();\n      });\n    });\n  });\n\n  updateUI();\n})();\n<\/script>\n\n<\/body>\n<\/html>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/jaiib-previous-year-papers\/?ref=contac-nai-jaiib\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt A Free JAIIB previous Year Paper<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-module-afm-accounting-amp-financial-management-for-bankers\"><strong>Module: AFM (Accounting &amp; Financial Management for Bankers)<\/strong><\/h3>\n\n\n\n<p>Check out a few questions from JAIIB AFM Paper and do not forget to check out<a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-afm-preparation\/?ref=contss-jaiib-blog\" target=\"_blank\" rel=\"noreferrer noopener\"> JAIIB AFM Preparation <\/a>Strategy.<\/p>\n\n\n\n<!DOCTYPE html>\n<html lang=\"en\">\n<head>\n<meta charset=\"UTF-8\">\n<link rel=\"stylesheet\" href=\"https:\/\/courses.oliveboard.in\/edge\/css\/login-modal-for-blog.css\">\n\n<style>\n#quiz-3-sticky-header {\n  position: sticky;\n  top: 0;\n  z-index: 100;\n  background: #1565c0;\n  color: #fff;\n  padding: 12px 20px;\n  border-radius: 10px 10px 0 0;\n  display: flex;\n  justify-content: space-between;\n  align-items: center;\n  font-size: 16px;\n  font-weight: bold;\n  box-shadow: 0 2px 8px rgba(0,0,0,0.2);\n  margin: -20px -20px 20px -20px;\n}\n\n#quiz-3-score-badge {\n  background: rgba(255,255,255,0.2);\n  padding: 4px 12px;\n  border-radius: 20px;\n  font-size: 15px;\n  white-space: nowrap;\n}\n#quiz-3 * { box-sizing: border-box; }\n\n#quiz-3 .quiz-container {\n  max-width: 700px;\n  margin: auto;\n  padding: 20px;\n  background: #fff;\n  border-radius: 14px;\n  box-shadow: 0 6px 16px rgba(0,0,0,0.12);\n}\n\n#quiz-3 h2 {\n  text-align: center;\n}\n\n#quiz-3 .question {\n  margin-bottom: 22px;\n}\n\n#quiz-3 .question p {\n  font-weight: bold;\n}\n\n#quiz-3 button {\n  width: 100%;\n  padding: 12px;\n  margin: 6px 0;\n  border: none;\n  border-radius: 6px;\n  background: #e0e0e0;\n  color: #000;\n  font-size: 16px;\n  cursor: pointer;\n}\n\n#quiz-3 button:hover {\n  background: #d5d5d5;\n}\n\n#quiz-3 button.correct {\n  background: #4caf50;\n  color: #000;\n}\n\n#quiz-3 button.wrong {\n  background: #f44336;\n  color: #000;\n}\n\n#quiz-3 button.locked {\n  pointer-events: none;\n}\n\n\/* SUMMARY *\/\n#quiz-3 .final-summary {\n  margin-top: 40px;\n  padding: 20px;\n  border-radius: 14px;\n  background: #fafafa;\n  border: 2px solid #4caf50;\n}\n\n#quiz-3 .final-summary h3 {\n  text-align: center;\n  margin-bottom: 20px;\n}\n\n#quiz-3 .summary-row {\n  display: grid;\n  grid-template-columns: 120px 1fr 40px;\n  gap: 10px;\n  align-items: center;\n  margin-bottom: 12px;\n  font-weight: bold;\n}\n\n#quiz-3 .summary-bar {\n  height: 14px;\n  background: #ddd;\n  border-radius: 10px;\n  overflow: hidden;\n}\n\n#quiz-3 .bar-fill {\n  height: 100%;\n  width: 0%;\n}\n\n#quiz-3 .bar-attempted { background: #2196f3; }\n#quiz-3 .bar-correct { background: #4caf50; }\n#quiz-3 .bar-wrong { background: #f44336; }\n#quiz-3 .bar-unattempted { background: #9e9e9e; width: 100%; }\n\n#quiz-3 .final-score {\n  text-align: center;\n  font-size: 22px;\n  margin-top: 20px;\n}\n\n#quiz-3 .score-value {\n  font-size: 30px;\n  margin-left: 8px;\n}\n<\/style>\n<\/head>\n\n<body>\n<div id=\"quiz-3\">\n  <div class=\"quiz-container\">\n<div id=\"quiz-3-sticky-header\">\n  <span> JAIIB AFM Memory Based Quiz<\/span>\n  <span id=\"quiz-3-score-badge\">Score: <strong id=\"quiz-3-score-value\">0.00<\/strong><\/span>\n<\/div>\n\n    <!-- QUESTIONS -->\n\n <div class=\"question\" data-answered=\"false\">\n  <p>1. Which financial statement shows the assets and liabilities of a company?<\/p>\n  <button data-correct=\"false\">a) Profit and Loss Statement<\/button>\n  <button data-correct=\"true\">b) Balance Sheet<\/button>\n  <button data-correct=\"false\">c) Cash Flow Statement<\/button>\n  <button data-correct=\"false\">d) Trial Balance<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>2. What is the accounting term for allocating the cost of tangible assets over their useful life?<\/p>\n  <button data-correct=\"true\">a) Depreciation<\/button>\n  <button data-correct=\"false\">b) Amortization<\/button>\n  <button data-correct=\"false\">c) Capitalization<\/button>\n  <button data-correct=\"false\">d) Valuation<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>3. In double-entry bookkeeping, which of the following is a debit entry?<\/p>\n  <button data-correct=\"false\">a) Increase in revenue<\/button>\n  <button data-correct=\"false\">b) Decrease in expense<\/button>\n  <button data-correct=\"true\">c) Increase in assets<\/button>\n  <button data-correct=\"false\">d) Decrease in liabilities<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>4. What does the term &#8220;contingent liability&#8221; refer to?<\/p>\n  <button data-correct=\"false\">a) A liability that is guaranteed<\/button>\n  <button data-correct=\"true\">b) A liability that depends on a future event<\/button>\n  <button data-correct=\"false\">c) A liability recorded in the Profit and Loss statement<\/button>\n  <button data-correct=\"false\">d) A liability that is settled immediately<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>5. The formula for calculating Return on Equity (ROE) is:<\/p>\n  <button data-correct=\"false\">a) Net Income \/ Total Assets<\/button>\n  <button data-correct=\"true\">b) Net Income \/ Shareholder&#8217;s Equity<\/button>\n  <button data-correct=\"false\">c) Gross Profit \/ Total Sales<\/button>\n  <button data-correct=\"false\">d) Total Liabilities \/ Shareholder&#8217;s Equity<\/button>\n<\/div>\n\n    <!-- FINAL SUMMARY -->\n    <div class=\"final-summary\">\n      <h3>Quiz Summary <\/h3>\n\n      <div class=\"summary-row\">\n        <span>Attempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-attempted\" data-summary=\"attempted\"><\/div><\/div>\n        <span data-count=\"attempted\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Correct<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-correct\" data-summary=\"correct\"><\/div><\/div>\n        <span data-count=\"correct\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Wrong<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-wrong\" data-summary=\"wrong\"><\/div><\/div>\n        <span data-count=\"wrong\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Unattempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-unattempted\" data-summary=\"unattempted\"><\/div><\/div>\n        <span data-count=\"unattempted\">0<\/span>\n      <\/div>\n\n      <div class=\"final-score\">\n        Final Score: <span class=\"score-value\" data-score>0.0<\/span>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/div>\n<div class=\"modal modal-obls\" id=\"modal-signup\">\n        <div class=\"modal-background\"><\/div>\n        <div class=\"modal-content\">\n           <div class=\"obls-group\" id=\"obls-group1\">\n               <div class=\"obls-blk\">\n                   <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/img-delivery.svg\" alt=\"\"><\/span>\n                   <h2 id=\"display-register-text\"><span class=\"ez-toc-section\" id=\"Sign_Up-3\"><\/span>Sign Up<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                   <div class=\"loginas-group loginas-group1 loginas-group-single\">\n <div id=\"g_id_onload\" data-client_id=\"506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com\" ,=\"\" data-use_fedcm_for_prompt=\"true\" data-callback=\"handleOnetapResponse\">\n    <\/div>\n    <div class=\"g_id_signin\" data-type=\"standard\"><div class=\"S9gUrf-YoZ4jf\" style=\"position: relative;\"><div><\/div><iframe src=\"https:\/\/accounts.google.com\/gsi\/button?type=standard&amp;is_fedcm_supported=true&amp;client_id=506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com&amp;iframe_id=gsi_437394_8652&amp;cas=pwXumGxyCMNtIbjaV30qchi2A1vUar%2Faz%2FOE5HQ%2B0Zc\" class=\"L5Fo6c-PQbLGe\" allow=\"identity-credentials-get\" id=\"gsi_437394_8652\" title=\"Sign in with Google Button\" style=\"display: block; position: relative; top: 0px; left: 0px; height: 44px; width: 204px; border: 0px; margin: -2px -10px;\"><\/iframe><\/div><\/div>\n                   <\/div>\n                   <h6 class=\"signup-subheader\">Or, register with email<\/h6>\n                   <label class=\"errormsg txt-red courseUp\"><\/label>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mail.svg\" alt=\"\"><\/span>\n                        <input type=\"email\" name=\"email\" class=\"formcontrol ob-inputfield\" id=\"course-uemail\" required=\"\">\n                        <span class=\"floating-label\" style=\"top: 19px; font-size: 12px;\">Email Id<\/span>\n                   <\/div>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mobile-black.svg\" alt=\"\"><\/span>\n                        <input type=\"text\" maxlength=\"10\" name=\"monum\" class=\"formcontrol ob-inputfield\" id=\"course-uphone\" required=\"\">\n                        <span class=\"floating-label\">Mobile Number<\/span>\n                   <\/div>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-lock.svg\" alt=\"\"><\/span>\n                        <input type=\"password\" name=\"pwd\" class=\"formcontrol ob-inputfield\" id=\"course-upassword\" required=\"\">\n                        <span class=\"floating-label\">Password<\/span>\n                   <\/div>\n                   <button type=\"button\" class=\"btn btn-md btn-tblue btn-obls\" onclick=\"courseUpValidation('home','IBPS','https:\/\/u1.oliveboard.in\/exams\/?c=dashboard&amp;i=common');return false;\" id=\"courseup\">REGISTER<\/button>\n                    <p class=\"obls-footer\">Already a user?<button type=\"button\" class=\"btn btn-xs btn-switch-obls btn-show-modal-login\" id=\"btn-show-modal-login\">Login<\/button><\/p>\n               <\/div> \n            <\/div> \n        <\/div>\n        <button class=\"modal-close is-large modal-obls-close\" aria-label=\"close\"><\/button>\n    <\/div>\n\n<div class=\"modal modal-obls\" id=\"modal-login\">\n        <div class=\"modal-background\"><\/div>\n        <div class=\"modal-content\">\n           <div class=\"obls-group\" id=\"obls-group2\">\n               <div class=\"obls-blk\">\n                   <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/img-run-health.svg\" alt=\"\"><\/span>\n                   <div id=\"login-group-abc\" class=\"lfp-group-abc\"><!-- start login group -->\n                       <h2><span class=\"ez-toc-section\" id=\"Login-3\"><\/span>Login<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                       <label class=\"errormsg txt-red courseIn\"><\/label>\n                       <div class=\"formcontrol-group disable-loginemail\">\n                            <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mail.svg\" alt=\"\"><\/span>\n                            <input type=\"email\" name=\"email\" class=\"formcontrol ob-inputfield\" id=\"course-email\" required=\"\">\n                            <span class=\"floating-label\">Email Id<\/span>\n                       <\/div>\n                       <div class=\"loginnext-group\" id=\"loginnext-group\"><!-- pass and captcha -->\n                           <div class=\"formcontrol-group\">\n                                <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-lock.svg\" alt=\"\"><\/span>\n                                <input type=\"password\" name=\"pwd\" class=\"formcontrol ob-inputfield\" id=\"course-password\" required=\"\">\n                                <span class=\"floating-label\">Password<\/span>\n                           <\/div>\n                           <div style=\"display:none\" id=\"img-oblcaptcha\" class=\"captcha-img-blk\">\n                           <\/div>\n                           <div style=\"display:none\" class=\"formcontrol-group captcha-input-blk\">\n                                <input type=\"text\" name=\"pwd1\" value=\"1\" class=\"formcontrol ob-inputfield\" id=\"lcaptcha-code\" required=\"\">\n                                <span class=\"floating-label\">Enter text you see in the image<\/span>\n                           <\/div>\n                       <\/div><!-- pass and captcha -->\n                       \n                       <div class=\"btn-forgotpwd-group\"><button id=\"btn-forgotpwd\" class=\"btn btn-forgotpwd\">Forgot Password?<\/button><\/div>\n                       <button type=\"button\" id=\"coursein1\" class=\"btn btn-md btn-tblue btn-obls\" onclick=\"courseInValidation1()\">Next<\/button>\n                       <button type=\"button\" id=\"coursein\" class=\"btn btn-md btn-tblue btn-obls coursein\" onclick=\"courseInValidation('https:\/\/u1.oliveboard.in\/exams\/?c=dashboard&amp;i=common')\">Submit<\/button>\n                       <form method=\"post\" action=\"https:\/\/login.oliveboard.in\/login\/next.php\" id=\"snf1\">\n                        <input type=\"hidden\" name=\"email\" value=\"\" id=\"lemailnext\">\n                        <\/form>\n                   <\/div><!-- end login group -->\n                   <div id=\"forgotpwd-group-abc\" class=\"lfp-group-abc forgotpwd-group-abc\"><!-- start forgotpwd group -->\n                       <h2><span class=\"ez-toc-section\" id=\"Forgot_Password-3\"><\/span>Forgot Password<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                       <p class=\"secintro-txt\">Please enter the Email ID we will send you a Email with the link to reset the password.<\/p>\n                       <label class=\"errormsg txt-red rePassMsg\"><\/label>\n                       <div class=\"formcontrol-group formcontrol-group-fp\">\n        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7.18l7.73 6c4.51-4.18 7.09-10.36 7.09-17.65z\"><\/path><path fill=\"#FBBC05\" d=\"M10.53 28.59c-.48-1.45-.76-2.99-.76-4.59s.27-3.14.76-4.59l-7.98-6.19C.92 16.46 0 20.12 0 24c0 3.88.92 7.54 2.56 10.78l7.97-6.19z\"><\/path><path fill=\"#34A853\" d=\"M24 48c6.48 0 11.93-2.13 15.89-5.81l-7.73-6c-2.15 1.45-4.92 2.3-8.16 2.3-6.26 0-11.57-4.22-13.47-9.91l-7.98 6.19C6.51 42.62 14.62 48 24 48z\"><\/path><path fill=\"none\" d=\"M0 0h48v48H0z\"><\/path><\/g><\/svg><\/div><span class=\"nsm7Bb-HzV7m-LgbsSe-BPrWId\">Sign in with Google<\/span><span class=\"L6cTce\" id=\"button-label\">Sign in with Google. 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}\n    catch { return {}; }\n  }\n\n  function saveState(data) {\n    sessionStorage.setItem(STORAGE_KEY, JSON.stringify(data));\n  }\n\n  function updateUI() {\n    const unattempted = total - attempted;\n    quizContainer.querySelector('[data-count=\"attempted\"]').textContent = attempted;\n    quizContainer.querySelector('[data-count=\"correct\"]').textContent = correct;\n    quizContainer.querySelector('[data-count=\"wrong\"]').textContent = wrong;\n    quizContainer.querySelector('[data-count=\"unattempted\"]').textContent = unattempted;\n    quizContainer.querySelector('[data-summary=\"attempted\"]').style.width = (attempted \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-summary=\"correct\"]').style.width = (correct \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-summary=\"wrong\"]').style.width = (wrong \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-summary=\"unattempted\"]').style.width = (unattempted \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-score]').textContent = score.toFixed(2);\n\n    \/\/ Live score update in sticky header\n    document.getElementById('quiz-3-score-value').textContent = score.toFixed(2);\n  }\n\n  function restoreQuestion(q, chosenIndex, wasCorrect) {\n    q.dataset.answered = \"true\";\n    const buttons = q.querySelectorAll(\"button\");\n    buttons.forEach(b => b.classList.add(\"locked\"));\n    if (wasCorrect) {\n      buttons[chosenIndex].classList.add(\"correct\");\n    } else {\n      buttons[chosenIndex].classList.add(\"wrong\");\n      q.querySelector(\"[data-correct='true']\").classList.add(\"correct\");\n    }\n  }\n\n  \/\/ Restore saved answers on page load\n  const savedAnswers = loadState();\nquestions.forEach((q, qIndex) => {\n    const saved = savedAnswers[qIndex];\n    if (saved !== undefined) {\n      attempted++;\n      if (saved.correct) { correct++; }\n      else { wrong++; }\n      restoreQuestion(q, saved.chosenIndex, saved.correct);\n    }\n  });\n  score = parseFloat((correct * 1 - wrong * 0.0).toFixed(2));\n  updateUI();\n\n  \/\/ Attach click handlers\n  questions.forEach((q, qIndex) => {\n    q.querySelectorAll(\"button\").forEach((btn, btnIndex) => {\n      btn.addEventListener(\"click\", () => {\n        if (q.dataset.answered === \"true\") return;\n        q.dataset.answered = \"true\";\n        attempted++;\n\n        if (attempted > 2 && l_log == 0) {\n          $('#modal-signup').addClass('is-active');\n        }\n\n        q.querySelectorAll(\"button\").forEach(b => b.classList.add(\"locked\"));\n        const isCorrect = btn.dataset.correct === \"true\";\n\n if (isCorrect) {\n          btn.classList.add(\"correct\");\n          correct++;\n        } else {\n          btn.classList.add(\"wrong\");\n          wrong++;\n          q.querySelector(\"[data-correct='true']\").classList.add(\"correct\");\n        }\n        score = parseFloat((correct * 1 - wrong * 0.00).toFixed(2));\n\n        savedAnswers[qIndex] = { chosenIndex: btnIndex, correct: isCorrect };\n        saveState(savedAnswers);\n        updateUI();\n      });\n    });\n  });\n\n  updateUI();\n})();\n<\/script>\n\n<\/body>\n<\/html>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/jaiib\/?ref=contac-nai-jaiib\" target=\"_blank\" rel=\"noreferrer noopener\">Explore the JAIIB Online Courses<\/a><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-module-rbwm-retail-banking-amp-wealth-management\"><strong>Module: RBWM (Retail Banking &amp; Wealth Management)<\/strong><\/h3>\n\n\n\n<p>Check out a few questions from JAIIB RBWM Paper and do not forget to check out <a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-rbwm-strategy\/?ref=contss-jaiib-blog\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB RBWM Preparation<\/a> Strategy.<\/p>\n\n\n\n<!DOCTYPE html>\n<html lang=\"en\">\n<head>\n<meta charset=\"UTF-8\">\n<link rel=\"stylesheet\" href=\"https:\/\/courses.oliveboard.in\/edge\/css\/login-modal-for-blog.css\">\n\n<style>\n#quiz-4-sticky-header {\n  position: sticky;\n  top: 0;\n  z-index: 100;\n  background: #1565c0;\n  color: #fff;\n  padding: 12px 20px;\n  border-radius: 10px 10px 0 0;\n  display: flex;\n  justify-content: space-between;\n  align-items: center;\n  font-size: 16px;\n  font-weight: bold;\n  box-shadow: 0 2px 8px rgba(0,0,0,0.2);\n  margin: -20px -20px 20px -20px;\n}\n\n#quiz-4-score-badge {\n  background: rgba(255,255,255,0.2);\n  padding: 4px 12px;\n  border-radius: 20px;\n  font-size: 15px;\n  white-space: nowrap;\n}\n#quiz-4 * { box-sizing: border-box; }\n\n#quiz-4 .quiz-container {\n  max-width: 700px;\n  margin: auto;\n  padding: 20px;\n  background: #fff;\n  border-radius: 14px;\n  box-shadow: 0 6px 16px rgba(0,0,0,0.12);\n}\n\n#quiz-4 h2 {\n  text-align: center;\n}\n\n#quiz-4 .question {\n  margin-bottom: 22px;\n}\n\n#quiz-4 .question p {\n  font-weight: bold;\n}\n\n#quiz-4 button {\n  width: 100%;\n  padding: 12px;\n  margin: 6px 0;\n  border: none;\n  border-radius: 6px;\n  background: #e0e0e0;\n  color: #000;\n  font-size: 16px;\n  cursor: pointer;\n}\n\n#quiz-4 button:hover {\n  background: #d5d5d5;\n}\n\n#quiz-4 button.correct {\n  background: #4caf50;\n  color: #000;\n}\n\n#quiz-4 button.wrong {\n  background: #f44336;\n  color: #000;\n}\n\n#quiz-4 button.locked {\n  pointer-events: none;\n}\n\n\/* SUMMARY *\/\n#quiz-4 .final-summary {\n  margin-top: 40px;\n  padding: 20px;\n  border-radius: 14px;\n  background: #fafafa;\n  border: 2px solid #4caf50;\n}\n\n#quiz-4 .final-summary h3 {\n  text-align: center;\n  margin-bottom: 20px;\n}\n\n#quiz-4 .summary-row {\n  display: grid;\n  grid-template-columns: 120px 1fr 40px;\n  gap: 10px;\n  align-items: center;\n  margin-bottom: 12px;\n  font-weight: bold;\n}\n\n#quiz-4 .summary-bar {\n  height: 14px;\n  background: #ddd;\n  border-radius: 10px;\n  overflow: hidden;\n}\n\n#quiz-4 .bar-fill {\n  height: 100%;\n  width: 0%;\n}\n\n#quiz-4 .bar-attempted { background: #2196f3; }\n#quiz-4 .bar-correct { background: #4caf50; }\n#quiz-4 .bar-wrong { background: #f44336; }\n#quiz-4 .bar-unattempted { background: #9e9e9e; width: 100%; }\n\n#quiz-4 .final-score {\n  text-align: center;\n  font-size: 22px;\n  margin-top: 20px;\n}\n\n#quiz-4 .score-value {\n  font-size: 30px;\n  margin-left: 8px;\n}\n<\/style>\n<\/head>\n\n<body>\n<div id=\"quiz-4\">\n  <div class=\"quiz-container\">\n<div id=\"quiz-4-sticky-header\">\n  <span> JAIIB RBWM Memory Based Quiz<\/span>\n  <span id=\"quiz-4-score-badge\">Score: <strong id=\"quiz-4-score-value\">0.00<\/strong><\/span>\n<\/div>\n\n    <!-- QUESTIONS -->\n\n <div class=\"question\" data-answered=\"false\">\n  <p>1. What is the main feature of a term deposit?<\/p>\n  <button data-correct=\"false\">a) Unlimited withdrawals<\/button>\n  <button data-correct=\"true\">b) Higher interest rate than savings accounts<\/button>\n  <button data-correct=\"false\">c) Instant liquidity<\/button>\n  <button data-correct=\"false\">d) No minimum deposit requirement<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>2. What is the primary purpose of mutual funds?<\/p>\n  <button data-correct=\"false\">a) To provide loans<\/button>\n  <button data-correct=\"true\">b) To pool resources for diversified investments<\/button>\n  <button data-correct=\"false\">c) To facilitate online banking<\/button>\n  <button data-correct=\"false\">d) To provide insurance coverage<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>3. As per Income Tax Act, repayment of FD proceeds:\n    <br>1. Applies to the bank as a whole, not branch-wise.\n    <br>2. Must be by A\/c Payee cheque\/draft\/credit if maturity proceeds \u2265 \u20b920,000.\n    <br>3. Applies to deposits held singly or jointly at a branch.\n    <br>4. Cash repayment is allowed for amounts &lt; \u20b920,000.\n    <br><br>Which are correct?\n  <\/p>\n  <button data-correct=\"true\">A. 1, 2, 3<\/button>\n  <button data-correct=\"false\">B. 2, 3, 4<\/button>\n  <button data-correct=\"false\">C. 1, 3<\/button>\n  <button data-correct=\"false\">D. 1, 2, 3, 4<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>4. What is the tenure for the Public Provident Fund (PPF) account?<\/p>\n  <button data-correct=\"false\">a) 5 years<\/button>\n  <button data-correct=\"false\">b) 10 years<\/button>\n  <button data-correct=\"true\">c) 15 years<\/button>\n  <button data-correct=\"false\">d) 20 years<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>5. Which of the following statements are true?\n    <br>1. Banks may allow loans up to 80\u201390% of FD value.\n    <br>2. Interest charged on loan is higher than FD interest rate.\n    <br>3. Advances against third-party deposits are encouraged by banks.\n    <br>4. Advances against minors&#8217; deposits jointly with guardians may be permitted.\n    <br><br>Which are correct?\n  <\/p>\n  <button data-correct=\"true\">A. 1, 2, 4<\/button>\n  <button data-correct=\"false\">B. 2, 3, 4<\/button>\n  <button data-correct=\"false\">C. 1, 3<\/button>\n  <button data-correct=\"false\">D. 1, 2, 3, 4<\/button>\n<\/div>\n\n    <!-- FINAL SUMMARY -->\n    <div class=\"final-summary\">\n      <h3>Quiz Summary <\/h3>\n\n      <div class=\"summary-row\">\n        <span>Attempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-attempted\" data-summary=\"attempted\"><\/div><\/div>\n        <span data-count=\"attempted\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Correct<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-correct\" data-summary=\"correct\"><\/div><\/div>\n        <span data-count=\"correct\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Wrong<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-wrong\" data-summary=\"wrong\"><\/div><\/div>\n        <span data-count=\"wrong\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Unattempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-unattempted\" data-summary=\"unattempted\"><\/div><\/div>\n        <span data-count=\"unattempted\">0<\/span>\n      <\/div>\n\n      <div class=\"final-score\">\n        Final Score: <span class=\"score-value\" data-score>0.0<\/span>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/div>\n<div class=\"modal modal-obls\" id=\"modal-signup\">\n        <div class=\"modal-background\"><\/div>\n        <div class=\"modal-content\">\n           <div class=\"obls-group\" id=\"obls-group1\">\n               <div class=\"obls-blk\">\n                   <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/img-delivery.svg\" alt=\"\"><\/span>\n                   <h2 id=\"display-register-text\"><span class=\"ez-toc-section\" id=\"Sign_Up-4\"><\/span>Sign Up<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                   <div class=\"loginas-group loginas-group1 loginas-group-single\">\n <div id=\"g_id_onload\" data-client_id=\"506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com\" ,=\"\" data-use_fedcm_for_prompt=\"true\" data-callback=\"handleOnetapResponse\">\n    <\/div>\n    <div class=\"g_id_signin\" data-type=\"standard\"><div class=\"S9gUrf-YoZ4jf\" style=\"position: relative;\"><div><\/div><iframe src=\"https:\/\/accounts.google.com\/gsi\/button?type=standard&amp;is_fedcm_supported=true&amp;client_id=506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com&amp;iframe_id=gsi_437394_8652&amp;cas=pwXumGxyCMNtIbjaV30qchi2A1vUar%2Faz%2FOE5HQ%2B0Zc\" class=\"L5Fo6c-PQbLGe\" allow=\"identity-credentials-get\" id=\"gsi_437394_8652\" title=\"Sign in with Google Button\" style=\"display: block; position: relative; top: 0px; left: 0px; height: 44px; width: 204px; border: 0px; margin: -2px -10px;\"><\/iframe><\/div><\/div>\n                   <\/div>\n                   <h6 class=\"signup-subheader\">Or, register with email<\/h6>\n                   <label class=\"errormsg txt-red courseUp\"><\/label>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mail.svg\" alt=\"\"><\/span>\n                        <input type=\"email\" name=\"email\" class=\"formcontrol ob-inputfield\" id=\"course-uemail\" required=\"\">\n                        <span class=\"floating-label\" style=\"top: 19px; font-size: 12px;\">Email Id<\/span>\n                   <\/div>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mobile-black.svg\" alt=\"\"><\/span>\n                        <input type=\"text\" maxlength=\"10\" name=\"monum\" class=\"formcontrol ob-inputfield\" id=\"course-uphone\" required=\"\">\n                        <span class=\"floating-label\">Mobile Number<\/span>\n                   <\/div>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-lock.svg\" alt=\"\"><\/span>\n                        <input type=\"password\" name=\"pwd\" class=\"formcontrol ob-inputfield\" id=\"course-upassword\" required=\"\">\n                        <span class=\"floating-label\">Password<\/span>\n                   <\/div>\n                   <button type=\"button\" class=\"btn btn-md btn-tblue btn-obls\" onclick=\"courseUpValidation('home','IBPS','https:\/\/u1.oliveboard.in\/exams\/?c=dashboard&amp;i=common');return false;\" id=\"courseup\">REGISTER<\/button>\n                    <p class=\"obls-footer\">Already a user?<button type=\"button\" class=\"btn btn-xs btn-switch-obls btn-show-modal-login\" 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IFS May 2024 Paper<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/JAIIB-IEandIFS-Exam-May-2024.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Here<\/a><\/td><\/tr><tr><td>JAIIB PPB May 2024 Paper<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/JAIIB-PPB-Exam-May-2024.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Here<\/a><\/td><\/tr><tr><td>JAIIB AFM May 2024 Paper<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/JAIIB-AFM-Exam-May-2024.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Here<\/a><\/td><\/tr><tr><td>JAIIB RBWM May 2024 Paper<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/JAIIB-RBWM-Exam-May-2024.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download Here<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-jaiib-october-2023-previous-year-paper-pdf\"><span class=\"ez-toc-section\" id=\"JAIIB_October_2023_previous_year_paper_PDF\"><\/span>JAIIB October 2023 previous year paper PDF<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Candidates can download the IIBF JAIIB previous year question papers for the October 2023 cycle through the direct link provided below:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Paper Name<\/strong><\/td><td><strong>Download Link<\/strong><\/td><\/tr><tr><td>JAIIB October 2023 IE and IFS Paper<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/JAIIB-IE-and-IFS-paper-Oct-2023.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>JAIIB October 2023 PPB Paper<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/JAIIB-PPB-Previous-year-paper-Oct-2023.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>JAIIB October 2023 AFM Paper<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/JAIIB-AFM-Oct-2023-Previous-Year-Paper.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>JAIIB October 2023 RBWM Paper<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/JAIIB-RBWM-Oct-previous-year-paper.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-jaiib-may-2023-past-year-paper-free-pdf\"><span class=\"ez-toc-section\" id=\"JAIIB_May_2023_past_year_paper_free_PDF\"><\/span>JAIIB May 2023 past year paper free PDF<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Candidates can download the IIBF JAIIB previous year question papers for the May 2023 cycle through the direct link provided below:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Paper Name<\/strong><\/td><td><strong>Download Link<\/strong><\/td><\/tr><tr><td>JAIIB May 2023 IE and IFS Paper<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/JAIIB-IE-and-IFS-2023-Paper.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Downloa<\/a><a href=\"https:\/\/download.oliveboard.in\/pdf\/JAIIB-IE-and-IFS-2023-Paper.pdf\">d PDF<\/a><\/td><\/tr><tr><td>JAIIB May 2023 PPB Paper<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/JAIIB-May-2023-PPB-Paper.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>JAIIB May 2023 AFM Paper<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/JAIIB-AFM-Previous-Year-Paper-2023.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>JAIIB May 2023 RBWM Paper<\/td><td><a href=\"https:\/\/download.oliveboard.in\/pdf\/JAIIB-May-2023-PYQs.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-are-the-important-topics-for-jaiib-ie-and-ifs-based-on-previous-year-question-paper-analysis\"><span class=\"ez-toc-section\" id=\"Which_are_the_important_topics_for_JAIIB_IE_and_IFS_based_on_previous_year_question_paper_analysis\"><\/span>Which are the important topics for JAIIB IE and IFS based on previous year question paper analysis?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Preparing for the <a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-ie-ifs-syllabus\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB IE &amp; IFS exams<\/a> requires focusing on most repeated topics, numericals, and case studies. The most repeated and scoring modules include Committees, RBI Regulations, Insurance &amp; Pension Schemes, Economic Reforms, Microfinance\/MSME, Finance, SDGs, and Numericals.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"455\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-IE-and-IFS-1-1-1024x455.webp\" alt=\"These are the JAIIB IE and IFS questions that were mostly asked in the exam.\" class=\"wp-image-236608\" style=\"width:630px;height:auto\" srcset=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-IE-and-IFS-1-1-1024x455.webp 1024w, https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-IE-and-IFS-1-1-768x341.webp 768w, https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-IE-and-IFS-1-1.webp 1118w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-committees-and-banking-reforms-are-frequently-asked-in-ie-and-ifs-papers\"><span class=\"ez-toc-section\" id=\"Which_committees_and_banking_reforms_are_frequently_asked_in_IE_and_IFS_papers\"><\/span>Which committees and banking reforms are frequently asked in IE and IFS papers?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Committees are very high-yield areas. Questions are usually about the committee\u2019s name, sector focus, recommendations, and implementation impact.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Committee \/ Topic<\/strong><\/td><td><strong>Key Focus<\/strong><\/td><td><strong>Exam Pointer<\/strong><\/td><\/tr><tr><td><strong>Narasimham Committee 1 and 2<\/strong><\/td><td>Banking reforms, NPAs, prudential norms, and LAF.<\/td><td>Focus on major banking reforms.<\/td><\/tr><tr><td><strong>Malhotra Committee<\/strong><\/td><td>Insurance reforms, IRDA, and private participation.<\/td><td>Revise key insurance reforms.<\/td><\/tr><tr><td><strong>B Committee<\/strong><\/td><td>MSME finance, development, and venture capital.<\/td><td>Remember major recommendations.<\/td><\/tr><tr><td><strong>Dr. Krishna Swamy \/ MV Nair Committee<\/strong><\/td><td>Priority Sector Lending (PSL) targets.<\/td><td>Focus on PSL recommendations.<\/td><\/tr><tr><td><strong>Hilton Young Commission<\/strong><\/td><td>Recommended the establishment of RBI.<\/td><td>Remember its role in RBI formation.<\/td><\/tr><tr><td><strong>Other RBI Committees<\/strong><\/td><td>Monetary policy, credit information, and financial institutions.<\/td><td>Revise key concepts and recommendations.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-rbi-and-banking-regulation-topics-are-most-repeated-in-ie-and-ifs-past-papers\"><span class=\"ez-toc-section\" id=\"Which_RBI_and_banking_regulation_topics_are_most_repeated_in_IE_and_IFS_past_papers\"><\/span>Which RBI and banking regulation topics are most repeated in IE and IFS past papers?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>RBI regulations and banking rules form the core of frequently tested questions. Questions are mostly conceptual or direct.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"430\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-IE-and-IFS-2-1-1024x430.webp\" alt=\"Topics based on RBI regulations and acts\" class=\"wp-image-236610\" style=\"width:640px;height:auto\" srcset=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-IE-and-IFS-2-1-1024x430.webp 1024w, https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-IE-and-IFS-2-1-768x322.webp 768w, https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-IE-and-IFS-2-1.webp 1137w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Topic<\/strong><\/td><td><strong>Key Points<\/strong><\/td><td><strong>Frequency<\/strong><\/td><\/tr><tr><td>SLR \/ CRR \/ Repo Rate \/ LAF<\/td><td>SLR \u2013 Section 24 of Banking Regulation Act 1949; CRR \u2013 Section 42 of RBI Act 1934; Repo rate, LAF purpose and mechanism<\/td><td>Almost always 2\u20133 questions per paper; direct definitions, regulatory sections, or purpose<\/td><\/tr><tr><td>Priority Sector Lending (PSL)<\/td><td>Targets for agriculture, MSME, education, housing, renewable energy, weaker sections<\/td><td>Repeated across nearly all IE and IFS exams; questions on sector allocation and compliance<\/td><\/tr><tr><td>Microfinance \/ NBFCs \/ MFIs<\/td><td>RBI regulations, loan limits, borrower eligibility, income ceiling<\/td><td>Often 2\u20133 questions per paper; numerical or scenario-based<\/td><\/tr><tr><td>Universal Bank Concept<\/td><td>Definition of a full-service bank and services offered<\/td><td>Occasionally asked; scoring if conceptual clarity is strong<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Also Check: <a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-ieifs-exam-analysis\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB IE and IFS Exam Analysis<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-insurance-and-pension-schemes-are-mostly-asked-in-the-jaiib-ie-and-ifs-exam\"><span class=\"ez-toc-section\" id=\"Which_insurance_and_pension_schemes_are_mostly_asked_in_the_JAIIB_IE_and_IFS_exam\"><\/span>Which insurance and pension schemes are mostly asked in the JAIIB IE and IFS exam?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Insurance and pension schemes are scoring topics in exams. Candidates should focus on important details like eligibility age, premium amount, coverage, and contribution rates.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Scheme \/ Topic<\/strong><\/td><td><strong>Key Details<\/strong><\/td><td><strong>Important Points for Exams<\/strong><\/td><\/tr><tr><td><strong>EPFO \/ EPF<\/strong><\/td><td>Focuses on employee retirement savings.<\/td><td>Employee and employer contribution rates, salary limits, and contribution percentages.<\/td><\/tr><tr><td><strong>Pradhan Mantri Suraksha Bima Yojana (PMSBY)<\/strong><\/td><td>Provides accidental death and disability insurance coverage. Eligible age: 18 to 70 years. Annual premium: \u20b920.<\/td><td>Age limit, premium amount, and insurance benefits.<\/td><\/tr><tr><td><strong>Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)<\/strong><\/td><td>Provides life insurance coverage to eligible individuals. Eligible age: 18 to 50 years. Annual premium: \u20b9330.<\/td><td>Coverage, eligibility, and premium details.<\/td><\/tr><tr><td><strong>Atal Pension Yojana (APY)<\/strong><\/td><td>A government-backed pension scheme for retirement benefits. Eligible age: 18 to 40 years. Provides a monthly pension of \u20b91,000 to \u20b95,000 based on contributions.<\/td><td>Eligibility, pension amount, contribution, and key scheme features.<\/td><\/tr><tr><td><strong>Insurance Ombudsman<\/strong><\/td><td>Helps resolve complaints related to insurance services.<\/td><td>Claim limits, eligibility, and the complaint resolution process.<\/td><\/tr><tr><td><strong>Other Government Schemes<\/strong><\/td><td>Includes government schemes related to insurance, pension, and social security.<\/td><td>Focus on eligibility, premium, coverage, benefits, and other basic features.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-economic-reforms-and-macroeconomics-topics-are-commonly-asked-in-ie-and-ifs-previous-year-papers\"><span class=\"ez-toc-section\" id=\"Which_economic_reforms_and_macroeconomics_topics_are_commonly_asked_in_IE_and_IFS_previous_year_papers\"><\/span>Which economic reforms and macroeconomics topics are commonly asked in IE and IFS previous year papers?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Questions focus on LPG reforms, GDP\/GVA, fiscal deficit, monetary indicators. Numericals are usually simple formula-based.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Topic<\/td><td>Key Points<\/td><td>Frequency<\/td><\/tr><tr><td>LPG Reforms (1991)<\/td><td>Liberalization, Privatization, Globalization<\/td><td>Always 1\u20132 questions per paper; mostly conceptual<\/td><\/tr><tr><td>GDP \/ GVA at Basic Prices<\/td><td>Formula: GVA + Taxes \u2013 Subsidies; sectoral contributions<\/td><td>1\u20132 questions per paper; simple numerical<\/td><\/tr><tr><td>Fiscal Deficit<\/td><td>Government expenditure \u2013 revenue<\/td><td>Usually 1 question per paper; simple calculation<\/td><\/tr><tr><td>Velocity of Money<\/td><td>Nominal GDP \u00f7 Money Supply<\/td><td>1 question per paper<\/td><\/tr><tr><td>Demand &amp; Supply Curves<\/td><td>Conceptual understanding: Demand inverse, Supply positive<\/td><td>Frequently asked; usually conceptual<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-download-jaiib-ie-and-ifs-module-wise-practice-questions-pdf\"><span class=\"ez-toc-section\" id=\"Download_JAIIB_IE_and_IFS_module_wise_practice_questions_PDF\"><\/span>Download JAIIB IE and IFS module wise practice questions PDF<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Prepare for<a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-ie-ifs-syllabus\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">&nbsp;JAIIB IE &amp; IFS<\/a>&nbsp;with module-wise practice question PDFs designed to help you revise each topic step by step.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>JAIIB IE and IFS Paper Module<\/strong><\/td><td><strong>Link<\/strong><\/td><\/tr><tr><td>Module A<\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-ie-and-ifs-module-a-practice-quiz\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt Quiz and Download PDF<\/a><\/td><\/tr><tr><td>Module B<\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-ie-and-ifs-module-b-practice-quiz\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt Quiz and Download PDF<\/a><\/td><\/tr><tr><td>Module C<\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-ie-and-ifs-module-c-practice-quiz\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt Quiz and Download PDF<\/a><\/td><\/tr><tr><td>Module D<\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-ie-and-ifs-module-d-practice-quiz\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt Quiz and Download PDF<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-finance-capital-market-and-investment-topics-frequently-appear-in-the-exam\"><span class=\"ez-toc-section\" id=\"Which_finance_capital_market_and_investment_topics_frequently_appear_in_the_exam\"><\/span>Which finance, capital market, and investment topics frequently appear in the exam?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Moderate-frequency topics; scoring if definitions, regulatory framework, and limits are clear.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"469\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-IE-and-IFS-3-1-1024x469.webp\" alt=\"Question asked based on finance, capital market, and investment topics\" class=\"wp-image-236611\" srcset=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-IE-and-IFS-3-1-1024x469.webp 1024w, https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-IE-and-IFS-3-1-768x352.webp 768w, https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-IE-and-IFS-3-1.webp 1143w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Topic<\/strong><\/td><td><strong>Key Points<\/strong><\/td><td><strong>Frequency<\/strong><\/td><\/tr><tr><td>Merchant Bankers<\/td><td>Categories, minimum capital, trustee responsibilities<\/td><td>1\u20132 questions per paper; conceptual<\/td><\/tr><tr><td>Venture Capital Fund<\/td><td>Regulated by SEBI; investment norms and eligible sectors<\/td><td>Frequently repeated<\/td><\/tr><tr><td>Derivatives \/ Options \/ Forex \/ Currency Basket<\/td><td>Conceptual understanding; currency basket \u2013 IMF SDR 5 currencies<\/td><td>Occasionally numerical; usually conceptual<\/td><\/tr><tr><td>FDI Limits<\/td><td>Sector-wise limits (Telecom 100%, Insurance, etc.)<\/td><td>Repeated in recent papers; regulatory updates<\/td><\/tr><tr><td>Credit Information Companies<\/td><td>Regulatory authority, role in reporting credit information<\/td><td>Occasionally; mostly conceptual<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-development-sustainability-microfinance-and-msme-topics-are-important-for-the-exam\"><span class=\"ez-toc-section\" id=\"Which_development_sustainability_microfinance_and_MSME_topics_are_important_for_the_exam\"><\/span>Which development, sustainability, microfinance, and MSME topics are important for the exam?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>These topics appear with medium frequency, and while some are optional, they are scoring if well-prepared. The key topics to focus on are as follows:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Topic<\/strong><\/td><td><strong>Key Points<\/strong><\/td><td><strong>Frequency<\/strong><\/td><\/tr><tr><td><strong>Sustainable Development Goals (SDG)<\/strong><\/td><td>17 Goals; sectors prioritized for development<\/td><td>1\u20132 questions per cycle<\/td><\/tr><tr><td><strong>Sunrise Sectors<\/strong><\/td><td>Recognized sectors for investment and priority allocation<\/td><td>Occasionally asked; scoring if known<\/td><\/tr><tr><td><strong>Microfinance \/ Grameen Model<\/strong><\/td><td>Prof. Muhammad Yunus, Bangladesh model; MFI loan limits, borrower income ceiling<\/td><td>Frequently repeated<\/td><\/tr><tr><td><strong>MSME Financing &amp; Venture Capital<\/strong><\/td><td>Investment and capital limits; regulatory guidelines<\/td><td>1\u20132 questions per paper<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-numerical-and-formula-based-questions-appear-in-the-jaiib-ie-and-ifs-papers\"><span class=\"ez-toc-section\" id=\"Which_numerical_and_formula-based_questions_appear_in_the_JAIIB_IE_and_IFS_papers\"><\/span>Which numerical and formula-based questions appear in the JAIIB IE and IFS papers?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Light, formula-based, and scoring numericals appear across Economic Reforms, Insurance, Pension, PSL, GDP\/GVA, Fiscal Deficit.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"468\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB_IE-and-IFS-4-1-1024x468.webp\" alt=\"Important JAIIB IE and IFS Maths Formulas\" class=\"wp-image-236612\" srcset=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB_IE-and-IFS-4-1-1024x468.webp 1024w, https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB_IE-and-IFS-4-1-768x351.webp 768w, https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB_IE-and-IFS-4-1.webp 1140w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Topic<\/td><td>Formula<\/td><td>Frequency<\/td><\/tr><tr><td>GDP \/ GVA at Basic Prices<\/td><td>GVA + Taxes \u2013 Subsidies<\/td><td>1\u20132 questions per paper<\/td><\/tr><tr><td>Fiscal Deficit<\/td><td>Total Expenditure \u2013 Total Revenue<\/td><td>1 question; straightforward<\/td><\/tr><tr><td>Velocity of Money<\/td><td>Nominal GDP \u00f7 Money Supply<\/td><td>1 question per paper<\/td><\/tr><tr><td>Insurance \/ EPFO \/ Pension Contributions<\/td><td>Premium \u00d7 Contribution<\/td><td>2\u20133 small numericals per paper<\/td><\/tr><tr><td>Credit Score \/ Population Coverage<\/td><td>Direct calculation; scenario-based<\/td><td>1 question<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-type-of-case-study-questions-are-mostly-asked-in-ie-and-ifs\"><span class=\"ez-toc-section\" id=\"What_type_of_case_study_questions_are_mostly_asked_in_IE_and_IFS\"><\/span>What type of case study questions are mostly asked in IE and IFS?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>JAIIB PPB case study questions focus on practical banking topics such as Banking Operations, MSME, Priority Sector Lending (PSL), Microfinance, and Insurance Schemes. They test candidates\u2019 ability to apply concepts, understand banking rules, and handle real-life situations, making them easier to score with proper preparation.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Type of Case Study<\/td><td>Example<\/td><td>What is Tested<\/td><\/tr><tr><td><strong>PSL \/ Priority Sector Lending Cases<\/strong><\/td><td>A bank has to allocate loans to agriculture, MSME, or housing sectors<\/td><td>Knowledge of PSL sectors, limits, and eligibility<\/td><\/tr><tr><td><strong>Microfinance \/ MFI Eligibility<\/strong><\/td><td>Household income \u22643 lakh; borrower applies for a loan<\/td><td>Understanding of microfinance regulations, borrower eligibility<\/td><\/tr><tr><td><strong>Insurance \/ Pension Schemes<\/strong><\/td><td>An applicant wants PMSBY, PMJJBY, or APY; calculate premium, coverage, or eligibility<\/td><td>Premium calculation, age limits, contribution, coverage<\/td><\/tr><tr><td><strong>MSME \/ Venture Capital Funding<\/strong><\/td><td>Company seeks MSME registration or venture capital funding<\/td><td>Knowledge of investment \/ capital limits, government schemes<\/td><\/tr><tr><td><strong>Numerical Case Studies<\/strong><\/td><td>Compute GVA, fiscal deficit, or velocity of money for a hypothetical scenario<\/td><td>Formula application, light numerical calculation<\/td><\/tr><tr><td><strong>Banking Regulation \/ RBI Guidelines<\/strong><\/td><td>Bank compliance scenario \u2013 CRR, SLR, repo rate, or LAF application<\/td><td>Regulatory knowledge, section application<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-also-watch-the-jaiib-ie-and-ifs-previous-year-paper-discussion\">Also watch the JAIIB IE and IFS Previous Year Paper Discussion:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Video Link<\/strong><\/td><td><strong>Video Link<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/www.youtube.com\/watch?v=tdIdFWfMvzc\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB PYP Part 1<\/a><\/td><td><a href=\"https:\/\/www.youtube.com\/watch?v=d7IJTyNtV3E\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB PYP Part 2<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"JAIIB_PPB_important_topics_based_on_PYP_analysis\"><\/span>JAIIB PPB important topics based on PYP analysis<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-syllabus-for-principles-practices-of-banking\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB Principles and Practices of Banking (PPB) paper<\/a> includes concept-based and case study questions based on practical banking situations such as account handling, lending, and legal rules. Candidates should focus on Modules A and B, while giving extra attention to Modules C and D. Reviewing important topics and previous exam trends can help improve preparation and performance.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"995\" height=\"427\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-PPB-1-1.webp\" alt=\"Types of questions that were asked in the recent JAIIB papers\" class=\"wp-image-236629\" style=\"width:657px;height:auto\" srcset=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-PPB-1-1.webp 995w, https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-PPB-1-1-768x330.webp 768w\" sizes=\"auto, (max-width: 995px) 100vw, 995px\" \/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-banking-operations-and-customer-relationship-topics-are-asked-repeatedly-in-ppb-paper\"><span class=\"ez-toc-section\" id=\"What_banking_operations_and_customer_relationship_topics_are_asked_repeatedly_in_PPB_paper\"><\/span>What banking operations and customer relationship topics are asked repeatedly in PPB paper?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Previous year JAIIB papers show that operational banking topics are asked in almost every shift as they are linked to day-to-day branch activities. Questions are often statement-based and test the legal relationship between banker and customer, so candidates should focus on authority, liability, and account handling procedures.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Topic Area<\/strong><\/td><td><strong>Key Focus Areas<\/strong><\/td><td><strong>Exam Importance<\/strong><\/td><\/tr><tr><td>Minor Accounts<\/td><td>Minor account rules, Indian Majority Act, liability issues<\/td><td>Frequently asked in case studies<\/td><\/tr><tr><td>Joint Accounts<\/td><td>Either or Survivor, Jointly, account closure, death of holder<\/td><td>Important for practical banking questions<\/td><\/tr><tr><td>HUF Accounts<\/td><td>Role of Karta, legal status, member liability<\/td><td>Tests conceptual understanding<\/td><\/tr><tr><td>Mandate vs Power of Attorney<\/td><td>Authority, validity, and legal differences<\/td><td>Common in statement-based MCQs<\/td><\/tr><tr><td>Garnishee &amp; Attachment Orders<\/td><td>Court orders, account freeze, lien, claim priority<\/td><td>Important for legal and case-based questions<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Also Check: <a href=\"https:\/\/www.oliveboard.in\/jaiib-exam-pattern\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB Exam Pattern<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-credit-and-loan-product-concepts-appear-most-in-ppb-pyps\"><span class=\"ez-toc-section\" id=\"Which_credit_and_loan_product_concepts_appear_most_in_PPB_PYPs\"><\/span>Which credit and loan product concepts appear most in PPB PYPs?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Credit and lending are important scoring areas in the JAIIB PPB paper as they cover core banking functions. Questions are mainly conceptual, with some small calculations and regulatory limits, so candidates should understand the logic behind RBI guidelines instead of only memorising numbers.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Topic Area<\/strong><\/td><td><strong>Key Focus Areas<\/strong><\/td><td><strong>Exam Importance<\/strong><\/td><\/tr><tr><td><strong>Priority Sector Lending (PSL)<\/strong><\/td><td>\u2022 Sector-wise targets<br>\u2022 Sub-targets<br>\u2022 Housing loan limits<br>\u2022 RIDF deposits with NABARD<\/td><td>Frequently asked; statement-based questions<\/td><\/tr><tr><td><strong>MSME Classification<\/strong><\/td><td>\u2022 Investment limits<br>\u2022 Turnover limits<br>\u2022 Micro, Small &amp; Medium categories<\/td><td>Definition and application-based questions<\/td><\/tr><tr><td><strong>NPA Norms<\/strong><\/td><td>\u2022 Standard assets<br>\u2022 Sub-standard assets<br>\u2022 Doubtful &amp; loss assets<br>\u2022 Provisioning rules<\/td><td>Tests practical application of NPA rules<\/td><\/tr><tr><td><strong>Agricultural Loan Rules<\/strong><\/td><td>\u2022 Two harvest seasons rule<br>\u2022 Maximum two-year limit<br>\u2022 Seasonal factors in NPA classification<\/td><td>Asked in MCQs and credit case studies<\/td><\/tr><tr><td><strong>Working Capital Assessment<\/strong><\/td><td>\u2022 Tandon Committee \u2013 2nd method<br>\u2022 Nayak Committee \u2013 turnover method<br>\u2022 Basic calculations<\/td><td>Numerical questions may appear in tougher shifts<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"918\" height=\"421\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-PPB-2-1.webp\" alt=\"Important modules for the JAIIB PPB paper\" class=\"wp-image-236630\" style=\"width:606px;height:auto\" srcset=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-PPB-2-1.webp 918w, https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-PPB-2-1-768x352.webp 768w\" sizes=\"auto, (max-width: 918px) 100vw, 918px\" \/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-banking-technology-topics-should-be-focused-on-in-ppb-module-c\"><span class=\"ez-toc-section\" id=\"Which_banking_technology_topics_should_be_focused_on_in_PPB_Module_C\"><\/span>Which banking technology topics should be focused on in PPB Module C?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Module C may have fewer questions compared to other modules, but they are often concept-heavy and require understanding of modern banking systems. Candidates should focus on how technology is applied in real banking processes rather than technical jargon.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Topic Area<\/strong><\/td><td><strong>Key Focus Areas<\/strong><\/td><td><strong>Exam Importance<\/strong><\/td><\/tr><tr><td><strong>Network Topologies<\/strong><\/td><td>\u2022 Star, Mesh, Ring &amp; Bus<br>\u2022 Features and uses<br>\u2022 Advantages &amp; disadvantages<\/td><td>Frequently asked conceptual questions<\/td><\/tr><tr><td><strong>Payment Systems<\/strong><\/td><td>\u2022 NEFT, RTGS, UPI &amp; IMPS<br>\u2022 Settlement times<br>\u2022 Transaction limits<br>\u2022 NFS<\/td><td>Tests practical understanding through comparisons<\/td><\/tr><tr><td><strong>Cheque Truncation System (CTS 2010)<\/strong><\/td><td>\u2022 Image-based clearing<br>\u2022 Security features<br>\u2022 Faster cheque processing<\/td><td>Common practical technology questions<\/td><\/tr><tr><td><strong>Digital Innovations<\/strong><\/td><td>\u2022 Blockchain<br>\u2022 CBDC<br>\u2022 Uses in banking<\/td><td>Increasing focus on new banking technologies<\/td><\/tr><tr><td><strong>Cloud Computing &amp; Security<\/strong><\/td><td>\u2022 Data storage<br>\u2022 Risk management<br>\u2022 Cyber security controls<\/td><td>Statement-based questions on digital risks and security<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"898\" height=\"403\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-PPB-3-1-1.webp\" alt=\"All about network topologies\" class=\"wp-image-236633\" style=\"width:584px;height:auto\" srcset=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-PPB-3-1-1.webp 898w, https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-PPB-3-1-1-768x345.webp 768w\" sizes=\"auto, (max-width: 898px) 100vw, 898px\" \/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_regulatory_and_legal_framework_topics_are_frequently_tested\"><\/span>Which regulatory and legal framework topics are frequently tested?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Legal awareness is essential in PPB because bankers are expected to understand customer rights and bank liabilities. Many questions describe real legal situations and ask candidates to identify the correct rule or section.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Negotiable Instruments Act<\/strong><\/td><td>\u2022 Section 138 \u2013 Cheque dishonour<br>\u2022 Section 85 \u2013 Paying banker protection<br>\u2022 Holder in Due Course<\/td><td>Frequently asked in cheque operation questions<\/td><\/tr><tr><td><strong>Holder in Due Course<\/strong><\/td><td>\u2022 Rights and protections<br>\u2022 Conditions to qualify<br>\u2022 Transferability of instruments<\/td><td>Tests legal ownership and transfer concepts<\/td><\/tr><tr><td><strong>Banking Ombudsman Scheme<\/strong><\/td><td>\u2022 Complaint process<br>\u2022 Award limits<br>\u2022 Ombudsman\u2019s authority<\/td><td>Important for customer protection questions<\/td><\/tr><tr><td><strong>Consumer Protection Act<\/strong><\/td><td>\u2022 Role of CCPA<br>\u2022 Customer rights<br>\u2022 Grievance handling<\/td><td>Tests customer protection and regulatory awareness<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/jaiib-mock-test\/?ref=contac-nai-jaiib\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt A Free JAIIB Mock Test 2026<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_numericals_and_case_studies_dominate_recent_PPB_exams\"><\/span>What numericals and case studies dominate recent PPB exams?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Recent <a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-ppb-exam-analysis-2025\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">PPB paper analysis <\/a>clearly shows an increase in lengthy case studies, especially in tougher shifts. These questions are usually worth two marks and require careful reading, logical thinking, and application of rules.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Operating Cycle Calculations:<\/strong> Calculate inventory, receivable, and payable periods to find the total operating cycle.<\/li>\n\n\n\n<li><strong>Current Ratio and Financial Ratios:<\/strong> Learn key formulas and understand how financial ratios are used in credit analysis.<\/li>\n\n\n\n<li><strong>NPA Provisioning:<\/strong> Understand provisioning rules based on asset classification and available security as per RBI norms.<\/li>\n\n\n\n<li><strong>Locker Liability Cases:<\/strong> Know the bank\u2019s liability in cases of negligence and the compensation limit linked to annual locker rent.<\/li>\n\n\n\n<li><strong>Banker\u2013Customer Relationships:<\/strong> Understand relationships such as Bailor\u2013Bailee, Lessor\u2013Lessee, and Agent\u2013Principal in different banking services.<\/li>\n\n\n\n<li><strong>Indemnity and Bank Guarantees:<\/strong> Learn about indemnity bonds, duplicate Demand Drafts, and different types of bank guarantees.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"514\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-AFM-1-1-1024x514.webp\" alt=\"Shift in the Pattern of Questions Asked\" class=\"wp-image-236613\" style=\"width:586px;height:auto\" srcset=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-AFM-1-1-1024x514.webp 1024w, https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-AFM-1-1-768x386.webp 768w, https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-AFM-1-1.webp 1129w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-jaiib-afm-important-topics-based-on-pyp-analysis\"><span class=\"ez-toc-section\" id=\"What_are_the_JAIIB_AFM_important_topics_based_on_PYP_analysis\"><\/span>What are the JAIIB AFM important topics based on PYP analysis?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-afm-syllabus\/?ref=contac-nai-jaiib-pyp\">JAIIB AFM<\/a> previous year paper analysis shows that strong concepts and regular numerical practice are important for good performance. Memory-based questions mainly cover Accounting Standards, Banking Accounts, Financial Management, and Ratio Analysis, so candidates should focus on these topics to improve accuracy, strengthen concepts, and manage time effectively.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"463\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-AFM-2-1-1024x463.webp\" alt=\"Important topics from which questions asked on JAIIB AFM\" class=\"wp-image-236614\" style=\"width:628px;height:auto\" srcset=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-AFM-2-1-1024x463.webp 1024w, https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-AFM-2-1-768x347.webp 768w, https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-AFM-2-1.webp 1152w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-are-accounting-standards-and-journal-entries-repeatedly-asked-in-afm-paper\"><span class=\"ez-toc-section\" id=\"Why_are_Accounting_Standards_and_journal_entries_repeatedly_asked_in_AFM_paper\"><\/span>Why are Accounting Standards and journal entries repeatedly asked in AFM paper?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Accounting Standards and journal entries are asked frequently because they test practical accounting understanding. The examiner checks whether you know how financial transactions are actually recorded and reported, not just the theory behind them.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Accounting Standards:<\/strong> Focus on key rules of AS 2, AS 3, AS 9, AS 10, AS 19, and AS 26, especially valuation, revenue, leases, and assets.<\/li>\n\n\n\n<li><strong>Journal Entries:<\/strong> Practise entries for prepaid expenses, share forfeiture, asset purchases, and securities premium.<\/li>\n\n\n\n<li><strong>Classification of Accounts:<\/strong> Revise personal and real accounts with simple examples to identify the correct account type before passing entries.<\/li>\n<\/ul>\n\n\n\n<p>Also Check: <a href=\"https:\/\/www.oliveboard.in\/jaiib-exam-date\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB Paper Wise Exam Date 2026<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-important-are-bond-valuation-and-time-value-of-money-numericals-in-afm\"><span class=\"ez-toc-section\" id=\"How_important_are_Bond_valuation_and_Time_Value_of_Money_numericals_in_AFM\"><\/span>How important are Bond valuation and Time Value of Money numericals in AFM?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Numerical questions may form a smaller portion of the paper, but they are scoring areas if formulas and concepts are clear. Most calculations are direct applications of financial management principles.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"447\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-AFM-3-1-2-1024x447.webp\" alt=\"Bond valuation and Time Value of Money numericals formula\" class=\"wp-image-236617\" srcset=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-AFM-3-1-2-1024x447.webp 1024w, https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-AFM-3-1-2-768x335.webp 768w, https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-AFM-3-1-2.webp 1109w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bond Valuation and YTM:<\/strong> Understand the link between bond price and yield, along with duration and zero-coupon bonds. <\/li>\n\n\n\n<li><strong>Annuity and Time Value of Money:<\/strong> Practise present value, future value, sinking fund, and EMI calculations. Keep key formulas ready for quick revision. <\/li>\n\n\n\n<li><strong>Depreciation Methods:<\/strong> Focus on WDV and Sum of Years\u2019 Digit methods. Practise step-by-step calculations to solve numerical and concept-based questions.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-role-do-banking-company-accounts-and-company-law-concepts-play-in-afm\"><span class=\"ez-toc-section\" id=\"What_role_do_Banking_Company_Accounts_and_Company_Law_concepts_play_in_AFM\"><\/span>What role do Banking Company Accounts and Company Law concepts play in AFM?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Banking and company law topics connect accounting knowledge with regulatory frameworks, which is why they appear regularly in AFM exams. These areas usually involve conceptual clarity and structured formats.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Area Covered<\/td><td>What examiners expect<\/td><td>How you should prepare<\/td><\/tr><tr><td>Banking Company Accounts<\/td><td>Understanding of balance sheet format, Profit and Loss structure, and schedules such as Schedule 10 and Schedule 18.<\/td><td>Study the structure of banking financial statements and revise how items are grouped under different schedules.<\/td><\/tr><tr><td>Company Law Rules<\/td><td>Questions test knowledge of membership requirements, share capital rules, and provisions like Section 52 related to security premium.<\/td><td>Link company law sections with accounting treatment so that concepts become easier to remember during revision.<\/td><\/tr><tr><td>Share Capital Concepts<\/td><td>Over-subscription, premium utilisation, and allotment adjustments are common themes.<\/td><td>Practise journal entries related to share capital from past questions to build confidence.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Also Check: <a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-afm-exam-analysis-2025\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB AFM Exam Analysis<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-ratio-analysis-and-working-capital-topics-appear-most-in-afm-pyps\"><span class=\"ez-toc-section\" id=\"Which_Ratio_Analysis_and_Working_Capital_topics_appear_most_in_AFM_PYPs\"><\/span>Which Ratio Analysis and Working Capital topics appear most in AFM PYPs?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ratio analysis and working capital questions test your ability to interpret financial health, not just calculate numbers. These areas are usually straightforward if fundamentals are clear.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Topic<\/td><td>What the exam focuses on<\/td><td>How you should prepare<\/td><\/tr><tr><td>Current Ratio and Quick Ratio<\/td><td>Candidates must calculate liquidity ratios and interpret whether the company\u2019s financial position is stable.<\/td><td>Remember that liquid assets exclude stock and prepaid expenses and practise solving ratios from simple balance sheet data.<\/td><\/tr><tr><td>Debt Equity Ratio<\/td><td>Questions analyse leverage and financial risk through conceptual understanding of borrowed funds and owner\u2019s equity.<\/td><td>Understand the meaning behind the ratio rather than only memorising formulas.<\/td><\/tr><tr><td>Working Capital Assessment<\/td><td>Tandon Committee and Nayak Committee methods are used to test understanding of permissible bank finance.<\/td><td>Study practical banking examples so that you can apply formulas easily in case-study questions.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-special-trap-concepts-and-niche-areas-should-you-revise-before-the-jaiib-afm-exam\"><span class=\"ez-toc-section\" id=\"What_special_%E2%80%9Ctrap%E2%80%9D_concepts_and_niche_areas_should_you_revise_before_the_JAIIB_AFM_exam\"><\/span>What special \u201ctrap\u201d concepts and niche areas should you revise before the JAIIB AFM exam?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>AFM papers often include small conceptual questions that look easy but are designed to test attention to detail. Revising these niche areas can help avoid unnecessary mistakes.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Niche Concept<\/strong><\/td><td><strong>Key Focus<\/strong><\/td><\/tr><tr><td><strong>GST Penalties and Regulatory Numbers<\/strong><\/td><td>Revise important penalty rates, interest rates, limits, and other regulatory figures.<\/td><\/tr><tr><td><strong>Dormant Company Definition<\/strong><\/td><td>Understand the meaning of a dormant company and its key features.<\/td><\/tr><tr><td><strong>Zero-Coupon Bonds<\/strong><\/td><td>Remember that the duration of a zero-coupon bond equals its maturity period.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<figure class=\"wp-block-embed wp-embed-aspect-16-9 wp-has-aspect-ratio  is-type-video is-provider-youtube wp-block-embed-youtube\"><div class=\"wp-block-embed__wrapper video-seo-youtube-embed-wrapper\"><div class=\"video-seo-youtube-player\" data-id=\"syKXHzdeQIk\"><\/div><\/div><\/figure>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-jaiib-rbwm-important-topics-based-on-pyps-analysis\"><span class=\"ez-toc-section\" id=\"JAIIB_RBWM_important_topics_based_on_PYPs_analysis\"><\/span>JAIIB RBWM important topics based on PYPs analysis<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The <a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-rbwm-syllabus\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB RBWM paper<\/a> focuses on banking products, customer service, government schemes, and wealth management. Modules B and D carry good weightage, with numerical, case study, and statement-based questions. Candidates should focus on PMAY, retail loans, marketing concepts, and regulatory guidelines.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"443\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-RBWM-1-1-1024x443.webp\" alt=\"Key Topics Based on JAIIB RBWM Previous Papers\" class=\"wp-image-236618\" style=\"width:599px;height:auto\" srcset=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-RBWM-1-1-1024x443.webp 1024w, https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-RBWM-1-1-768x332.webp 768w, https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/JAIIB-RBWM-1-1.webp 1116w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-government-schemes-and-social-security-topics-are-frequently-asked-in-jaiib-rbwm\"><span class=\"ez-toc-section\" id=\"What_government_schemes_and_social_security_topics_are_frequently_asked_in_JAIIB_RBWM\"><\/span>What government schemes and social security topics are frequently asked in JAIIB RBWM?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Government schemes are one of the most scoring areas in RBWM because questions are often direct but detail-oriented. Candidates are expected to remember eligibility criteria, subsidy rates, age limits, and premium details. Questions from <a href=\"https:\/\/www.oliveboard.in\/blog\/pradhan-mantri-awas-yojana\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">PMAY<\/a>, <a href=\"https:\/\/www.oliveboard.in\/blog\/pradhan-mantri-jeevan-jyoti-bima-yojana-pmjjby\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">PMJJBY<\/a>, and <a href=\"https:\/\/www.oliveboard.in\/blog\/pradhan-mantri-suraksha-bima-yojana\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">PMSBY<\/a> are commonly asked in both theory and case-based formats.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Topic Area<\/strong><\/td><td><strong>Key Focus<\/strong><\/td><\/tr><tr><td><strong>PMAY Income Categories<\/strong><\/td><td>Revise EWS, LIG, and MIG categories along with their income limits.<\/td><\/tr><tr><td><strong>Interest Subsidy Structure<\/strong><\/td><td>Understand subsidy rates across different PMAY beneficiary categories.<\/td><\/tr><tr><td><strong>PMJJBY Scheme<\/strong><\/td><td>Focus on age eligibility, annual premium, life cover, and waiting period.<\/td><\/tr><tr><td><strong>PMSBY Coverage<\/strong><\/td><td>Revise age eligibility, accidental insurance cover, premium, and waiting period.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Also Check: <a href=\"https:\/\/www.oliveboard.in\/blog\/government-schemes\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">List of Central and State Gov. Schemes<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-retail-loan-products-and-banking-operations-topics-have-high-weightage\"><span class=\"ez-toc-section\" id=\"Which_retail_loan_products_and_banking_operations_topics_have_high_weightage\"><\/span>Which retail loan products and banking operations topics have high weightage?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Retail loans and customer account operations form the backbone of RBWM. Questions usually check practical knowledge such as LTV ratios, minor account rules, education loan security requirements, and BSBD account limits. These areas are scoring because many questions are rule-based.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Topic Area<\/strong><\/td><td><strong>Key Focus<\/strong><\/td><\/tr><tr><td><strong>Home Loan LTV Ratios<\/strong><\/td><td>Understand how loan eligibility changes with the property value and borrower contribution.<\/td><\/tr><tr><td><strong>Education Loan Security Norms<\/strong><\/td><td>Revise security and guarantee requirements based on the loan amount.<\/td><\/tr><tr><td><strong>Minor Account Operations<\/strong><\/td><td>Learn the age limits, account operation rules, and signing authority for minors.<\/td><\/tr><tr><td><strong>BSBD and Small Accounts<\/strong><\/td><td>Focus on balance, credit, and withdrawal limits related to these accounts.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Also Check: <a href=\"https:\/\/www.oliveboard.in\/jaiib-registration\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB registration Process here<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-marketing-and-wealth-management-concepts-are-repeatedly-tested-in-rbwm-paper\"><span class=\"ez-toc-section\" id=\"What_marketing_and_wealth_management_concepts_are_repeatedly_tested_in_RBWM_paper\"><\/span>What marketing and wealth management concepts are repeatedly tested in RBWM paper?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Marketing and wealth management topics are conceptual but scoring with clear understanding. Focus on marketing mix, customer segmentation, and investment services such as PMS. These areas may also be tested through case studies based on practical banking scenarios.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Topic Area<\/strong><\/td><td><strong>Key Focus<\/strong><\/td><\/tr><tr><td><strong>Marketing Mix Framework<\/strong><\/td><td>Revise the 4Ps: Product, Price, Place, Promotion, and the additional 7Ps: People, Process, and Physical Evidence.<\/td><\/tr><tr><td><strong>Product Life Cycle<\/strong><\/td><td>Understand Introduction, Growth, Maturity, and Decline stages, along with changes in demand and competition.<\/td><\/tr><tr><td><strong>Portfolio Management Services (PMS)<\/strong><\/td><td>Focus on minimum investment requirements, regulatory norms, and its role as a specialised wealth management service.<\/td><\/tr><tr><td><strong>Customer Need Analysis<\/strong><\/td><td>Understand Maslow\u2019s Hierarchy of Needs and how banking products address different customer needs.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-numericals-case-studies-and-regulatory-details-should-you-prioritise-for-rbwm-preparation\"><span class=\"ez-toc-section\" id=\"Which_numericals_case_studies_and_regulatory_details_should_you_prioritise_for_RBWM_preparation\"><\/span>Which numericals, case studies, and regulatory details should you prioritise for RBWM preparation?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As per the <a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-rbwm-exam-analysis\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB RBWM paper analysis<\/a> the numerical questions and regulatory concepts together contribute a significant portion of marks. The exam expects candidates to apply formulas, interpret financial ratios, and understand legal frameworks like SARFAESI and DRT procedures. These areas require practice along with conceptual clarity.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Topic Area<\/strong><\/td><td><strong>Key Focus Areas<\/strong><\/td><\/tr><tr><td><strong>Time Value of Money<\/strong><\/td><td>\u2022 Present Value (PV)<br>\u2022 Future Value (FV)<br>\u2022 Rule of 72 &amp; Rule of 144\u2022 Compounding concepts<\/td><\/tr><tr><td><strong>Financial Ratios in Retail Banking<\/strong><\/td><td>\u2022 FIOR<br>\u2022 Net Profit Margin<br>\u2022 Return on Assets (ROA)<br>\u2022 Ratio interpretation<\/td><\/tr><tr><td><strong>Capital Gains &amp; Indexation<\/strong><\/td><td>\u2022 Long-term &amp; short-term gains<br>\u2022 Cost Inflation Index (CII)<br>\u2022 Holding period rules<br>\u2022 Case-based calculations<\/td><\/tr><tr><td><strong>SARFAESI &amp; CERSAI Timelines<\/strong><\/td><td>\u2022 Registration deadlines<br>\u2022 Penalties<br>\u2022 Borrower rights<br>\u2022 Recovery law provisions<\/td><\/tr><tr><td><strong>DRT &amp; Customer Liability Rules<\/strong><\/td><td>\u2022 DRT threshold limits<br>\u2022 Debt recovery process<br>\u2022 Liability limits for unauthorised electronic transactions<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<figure class=\"wp-block-embed wp-embed-aspect-16-9 wp-has-aspect-ratio  is-type-video is-provider-youtube wp-block-embed-youtube\"><div class=\"wp-block-embed__wrapper video-seo-youtube-embed-wrapper\"><div class=\"video-seo-youtube-player\" data-id=\"hvzzvgamjr0\"><\/div><\/div><\/figure>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-should-professionals-practise-and-revise-jaiib-previous-year-papers\"><span class=\"ez-toc-section\" id=\"Why_should_professionals_practise_and_revise_JAIIB_previous_year_papers\"><\/span>Why should professionals practise and revise JAIIB previous year papers?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Practising previous year papers (PYPs) is crucial for working professionals because of limited preparation time and the evolving exam pattern and <a href=\"https:\/\/www.oliveboard.in\/jaiib-syllabus\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">syllabus<\/a>. Key benefits include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Spot high-weightage questions:<\/strong> Identify topics that appear every year, like NPA rules, PSL limits, EPF\/APY contributions, PMAY eligibility, and <a href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">RBI regulations<\/a>.<\/li>\n\n\n\n<li><strong>Master multi-statement questions:<\/strong> Previous papers show how PPB and RBWM exams ask multiple statements per question, requiring precise understanding.<\/li>\n\n\n\n<li><strong>Familiarity with case studies:<\/strong> Learn how real banking situations like minor accounts, loan defaults, or insurance claim calculations are framed in exams.<\/li>\n\n\n\n<li><strong>Practice formula-based numericals:<\/strong> Repeated calculations on fiscal deficit, GVA, bond valuation, and working capital appear across IE, AFM, and PPB.<\/li>\n\n\n\n<li><strong>Recognise tricky \u201ctrap\u201d questions:<\/strong> Past papers reveal subtle wording in areas like zero-coupon bonds, dormant companies, or <a href=\"https:\/\/www.oliveboard.in\/blog\/gst-2-0\/?ref=contac-nai-jaiib-pyp\" target=\"_blank\" rel=\"noreferrer noopener\">GST<\/a> penalties, helping avoid mistakes.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1698668476284\"><strong class=\"schema-faq-question\">Q1. What is a JAIIB Memory Based Paper?<\/strong> <p class=\"schema-faq-answer\">It is a set of questions from the actual JAIIB exam, recalled by candidates.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1698668511129\"><strong class=\"schema-faq-question\">Q2. Why use memory based papers for JAIIB prep?<\/strong> <p class=\"schema-faq-answer\">They help understand exam patterns and commonly asked questions.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1727345129918\"><strong class=\"schema-faq-question\">Q3. How many papers are there in JAIIB ?<\/strong> <p class=\"schema-faq-answer\">There are four papers: IE &amp; IFS, PPB, AFM, and RBWM.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1727345189031\"><strong class=\"schema-faq-question\">Q4. Where can I find JAIIB memory based papers?<\/strong> <p class=\"schema-faq-answer\">We have interlinked the subject wise memory based papers in the blog above.<\/p> <\/div> <\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/\">JAIIB 2026 Previous Year Papers, Download Free PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-ppb-numerical-practice-quiz\/\">Attempt JAIIB PPB Numerical Practice Quiz &amp; Download Free PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-afm-numerical-practice-quiz\/\">Attempt JAIIB AFM Numerical Practice Quiz and Download PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-ie-and-ifs-practice-quiz\/\">Attempt JAIIB IE &amp; IFS Numerical Practice Quiz &amp; Download PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-ppb-repeated-topics\/\">JAIIB PPB November 2026, Important Topics to Qualify<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-ppb-strategy\/\">JAIIB PPB Strategy 2026, Crack JAIIB PPB Exam in 1st Attempt<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>The JAIIB 2026 notification has been released, with the November exam cycle starting on 1st November 2026. Candidates should begin<\/p>\n","protected":false},"author":58,"featured_media":234287,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10353],"tags":[15924],"class_list":["post-145175","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jaiib","tag-jaiib-memory-based-paper","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>JAIIB 2026 Previous Year Papers, Download Free PDF<\/title>\n<meta name=\"description\" content=\"Download JAIIB previous year papers and practice questions for all four compulsory papers, and boost your JAIIB November 2026 preparation.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"JAIIB 2026 Previous Year Papers, Download Free PDF\" \/>\n<meta property=\"og:description\" content=\"The JAIIB 2026 notification has been released, with the November exam cycle starting on 1st November 2026. Candidates should begin their preparation early\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/\" \/>\n<meta property=\"og:site_name\" content=\"Oliveboard\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Oliveboard\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-11T16:03:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-11T16:03:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2025\/02\/JAIIB-1.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"730\" \/>\n\t<meta property=\"og:image:height\" content=\"480\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"AditiOB\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Oliveboard\" \/>\n<meta name=\"twitter:site\" content=\"@Oliveboard\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"AditiOB\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"24 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/\"},\"author\":{\"name\":\"AditiOB\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/#\/schema\/person\/0cbc4ac8555ced346681804861de062c\"},\"headline\":\"JAIIB 2026 Previous Year Papers, Download Free PDF\",\"datePublished\":\"2026-09-11T16:03:24+00:00\",\"dateModified\":\"2026-09-11T16:03:27+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/\"},\"wordCount\":5137,\"publisher\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2025\/02\/JAIIB-1.webp\",\"keywords\":[\"JAIIB Memory Based Paper\"],\"articleSection\":[\"JAIIB\"],\"inLanguage\":\"en-US\"},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/\",\"url\":\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/\",\"name\":\"JAIIB 2026 Previous Year Papers, Download Free PDF\",\"isPartOf\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2025\/02\/JAIIB-1.webp\",\"datePublished\":\"2026-09-11T16:03:24+00:00\",\"dateModified\":\"2026-09-11T16:03:27+00:00\",\"description\":\"Download JAIIB previous year papers and practice questions for all four compulsory papers, and boost your JAIIB November 2026 preparation.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#breadcrumb\"},\"mainEntity\":[{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#faq-question-1698668476284\"},{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#faq-question-1698668511129\"},{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#faq-question-1727345129918\"},{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#faq-question-1727345189031\"}],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#primaryimage\",\"url\":\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2025\/02\/JAIIB-1.webp\",\"contentUrl\":\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2025\/02\/JAIIB-1.webp\",\"width\":730,\"height\":480},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/jaiib-pyps\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.oliveboard.in\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"JAIIB-CAIIB \/ Promotion Exams\",\"item\":\"https:\/\/www.oliveboard.in\/blog\/category\/jaiib-caiib-promotion\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"JAIIB\",\"item\":\"https:\/\/www.oliveboard.in\/blog\/category\/jaiib-caiib-promotion\/jaiib\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"JAIIB Previous Year Papers\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/#website\",\"url\":\"https:\/\/www.oliveboard.in\/blog\/\",\"name\":\"Oliveboard\",\"description\":\"Free Govt. 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