JAIIB PPB Syllabus & Exam Pattern 2026 PDF – Module-Wise Topics, Passing Marks, Preparation Tips & Latest IIBF PPB Syllabus

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The Indian Institute of Banking and Finance (IIBF) has prescribed the latest JAIIB Principles & Practices of Banking (PPB) Syllabus 2026 for candidates preparing for the Junior Associate of Indian Institute of Bankers (JAIIB) examination.

The PPB paper is one of the four compulsory subjects and evaluates candidates’ understanding of banking operations, lending functions, banking technology, ethics, and regulatory practices. The examination is conducted in online objective mode with 100 multiple-choice questions carrying 100 marks, a duration of 2 hours, and no negative marking.

Candidates must score 50 marks out of 100, or 45 marks with at least 50% marks in each module, to qualify. Before starting preparation, candidates should carefully review the module-wise syllabus, exam pattern, marking scheme, and preparation strategy to improve their chances of success.

JAIIB PPB Syllabus 2026 — Module-Wise Topics, Exam Pattern & Preparation Strategy
4 Modules | 100 Marks | No Negative Marking | Passing: 50/100 or 45 with 50% in Each Module
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Particulars Details
Conducting Body Indian Institute of Banking and Finance (IIBF)
Paper Name Principles & Practices of Banking (PPB) — One of 4 Core JAIIB Papers
Exam Mode Online, Objective Type (MCQ)
Total Questions / Marks 100 Questions | 100 Marks
Duration 2 Hours (120 Minutes)
Number of Modules 4 (Module A, B, C, D)
Medium of Exam English / Hindi
Negative Marking No
Passing Marks 50/100 Overall, OR 45/100 with Min. 50% in Each Module
Official Website iibf.org.in

JAIIB PPB Syllabus 2026 — Overview
Principles & Practices of Banking (PPB) is one of the four core papers of the JAIIB examination conducted by the Indian Institute of Banking and Finance (IIBF). It tests a candidate’s grasp of everyday banking operations, the core functions banks perform, banking technology, and ethical practice in financial institutions. The paper is fully objective, carries no negative marking, and is organised into four modules that together cover the full breadth of practical and specialised banking knowledge a junior banking associate is expected to know.

read more; JAIIB Syllabus 2026 & Exam Pattern Complete Guide

JAIIB PPB Exam Pattern 2026
The JAIIB PPB paper is held in online, objective format. Since there’s no negative marking, candidates should attempt all 100 questions rather than leaving any blank. The four modules — General Banking Operations, Functions of Banks, Banking Technology, and Ethics in Banks & Financial Institutions — are combined into a single 100-question, 100-mark, 2-hour paper. You need 50 marks overall to pass, or 45 marks provided you score at least 50% in every individual module — so weak performance in any one module can still sink an otherwise strong overall score.

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Module A: General Banking Operations — Key Areas

  • Banker-Customer Relationship (Trustee, Bailee-Bailor, Agent-Principal, Deposit Products)
  • AML-KYC Framework, PMLA Obligations, FATCA/CRS Reporting
  • Operational Aspects of KYC, CKYCR, Wire Transfer Norms
  • Opening of Personal, Current & Other Customer Accounts; LEI
  • Deposit Account Operations — Nomination, Inoperative Accounts, Joint Accounts
  • Cheque Truncation System (CTS), Cash Handling & Security
  • Banker’s Special Relationship — Mandate, POA, Lien, Right of Set-off
  • FEMA & Foreign Exchange Remittance Facilities
  • NRI Business — Account Types, SNRR Account, Property & Investment Rules
  • Foreign Currency Accounts & FCRA, 2010
  • Cash Management Services (CMS)
  • Negotiable Instruments Act — Cheque Payment, Endorsement, Dishonour
  • Paying & Collecting Bank Responsibilities, Statutory Protection
  • Ancillary Services — DD/BC, NEFT/RTGS, Digital Banking, Lockers
  • Financial Inclusion, Financial Literacy, RSETIs
  • Customer Service Guidelines & Branch Management
  • Grievance Redressal — RBI Ombudsman Scheme 2021, Consumer Protection Act 2019, RTI Act 2005

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Module B: Functions of Banks — Key Areas

  • Principles of Lending, Types of Borrowers & Credit Facilities
  • Credit Appraisal Techniques — Working Capital & Term Loan Assessment
  • Loan Account Operations, Interest Rates, Recovery Agent Guidelines
  • Types of Collateral & Securities — Property, Shares, Gold, Book Debts
  • Modes of Charging Securities — Contracts, Types of Charges, Registration
  • Loan Documentation Types & Procedure
  • NPA Classification, Income Recognition, Provisioning, Restructuring
  • Recovery Laws — SARFAESI, RDB Act, IBC, Limitation Act
  • Contracts of Indemnity & Guarantee, Bank Guarantee Types
  • Letters of Credit (LC) — Types, UCPDC 600, Bank Obligations
  • Deferred Payment Guarantee (DPG) & Bills Finance
  • Retail Loans — Credit Cards, Home Loans, Personal Loans
  • Priority Sector Lending — Targets, Categories, Shortfall Rules
  • Agricultural Finance — KCC, PMFBY, Crop Loans
  • Finance to NBFCs/MFIs, MSME Support (TReDS, Credit Guarantee Fund)
  • Government Schemes — PMJDY, MUDRA, DAY-NRLM/NULM
  • Self-Help Groups (SHG) & SHG-Bank Linkage Programme

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Module C: Banking Technology — Key Areas

  • Bank Computerisation Essentials — CBS, Networking, Data Warehousing/Mining
  • CBS Operational Aspects — Begin/End of Day, Access & Security Controls
  • Digital Banking Channels — ATMs, Cards, Unauthorised Transaction Rules, TAT Compensation
  • Data Communication Networks & EFT Systems — SWIFT, Clearing Systems
  • Digital Payment Systems — NPCI & Govt. Digital Initiatives
  • Technology Adoption Trends & Impact on Banks
  • Cyber Security — Threat Types, IS Audit, Fraud Modus Operandi, DRM, IT Act
  • Fraud & Cyber Crime Risk Management, Incident Response
  • Emerging Technology Trends — e-RUPI, FinTech, RegTech, SupTech
  • Advanced Digital Concepts — Social/Hashtag Banking, Account Aggregators, Open Banking

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Module D: Ethics in Banks and Financial Institutions — Key Areas

  • Ethics & Business Ethics — Principles, Foundations, Case Studies (Enron, Satyam)
  • Individual-Level Ethics — Values, Morality, Ethical Dilemma Frameworks
  • Employee Ethics — Insider Trading, Conflict of Interest, Sexual Harassment, HRM Ethics
  • Work Ethics & Workplace — Whistleblowing Framework in India
  • Changing Dynamics — Data Privacy, IP Rights, Information Security Ethics

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JAIIB PPB Marking Scheme & Passing Criteria — Recap

  • Each of the 100 questions carries exactly 1 mark — no weightage variation between questions
  • No negative marking means guessing on questions you’re unsure of carries zero downside, unlike many other competitive exams
  • Two ways to pass: score 50+ overall, OR score 45+ overall while also crossing 50% in every single module
  • This dual-condition passing rule means you can’t “ignore” a weak module and compensate purely with strength elsewhere — balanced preparation across all four modules matters more than chasing a high score in your favourite topic

read more; JAIIB Syllabus 2026 & Exam Pattern Complete Guide

How to Prepare for JAIIB PPB — Practical Strategy

  • Rank modules by past weightage: Look at which modules have historically contributed the most questions and prioritise those first in your study plan
  • Work through previous papers: Past-year questions reveal which sub-topics recur most often within each module
  • Anchor to official material: Use IIBF’s own study material as your base, supplemented with concise notes — don’t rely solely on third-party guides
  • Practice volume matters: Solve chapter-wise MCQs and take full-length module tests regularly to build both speed and accuracy
  • Review every mock test: After each attempt, identify specific weak sub-topics and revise those directly, rather than re-reading the entire module uniformly

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Module-Wise Study Time Allocation — A Suggested Approach

  • Module A (General Banking Operations): The largest and most detail-heavy module — covers everything from KYC/AML to negotiable instruments to grievance redressal. Budget the most study time here, and use spaced revision since it’s dense with regulatory specifics
  • Module B (Functions of Banks): Equally extensive, covering credit, securities, NPAs, and government schemes. Strong here also builds a foundation useful for other JAIIB papers like Accounting & Finance for Bankers
  • Module C (Banking Technology): Shorter but fast-evolving — pay special attention to newer additions like e-RUPI, FinTech/RegTech/SupTech, and open banking, since these are the areas most likely to see fresh questions each cycle
  • Module D (Ethics): The shortest module and often underprepared by candidates — since it directly affects your 50%-per-module passing requirement, don’t skip it just because it’s smaller; a few hours of focused reading usually suffices

Common Mistakes Candidates Make in PPB Preparation

  • Spending disproportionate time on Module A or B while neglecting Module D — then narrowly missing the 50%-per-module passing threshold
  • Skipping regulatory/legal names and act numbers (like SARFAESI, PMLA, IBC) because they seem “dry” — these are frequently tested directly
  • Not practicing enough numerical/calculation-based questions within Modules A and B, where sections like collateral valuation or credit assessment can appear
  • Treating Module C as unimportant since it’s shorter — newer technology topics are exactly where question-setters like to test if your knowledge is current
  • Not attempting all 100 questions despite there being no negative marking — since blank answers cost you the same as wrong ones, always attempt everything

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FAQs – JAIIB PPB Syllabus 2026

Q1. How many modules are included in the JAIIB PPB Syllabus 2026?

Ans: The PPB syllabus consists of four modules—General Banking Operations, Functions of Banks, Banking Technology, and Ethics in Banks & Financial Institutions.

Q2. Is the JAIIB PPB syllabus suitable for beginners in the banking sector?

Ans: Yes. The syllabus starts with fundamental banking concepts before covering advanced topics like lending, digital banking, cyber security, and banking ethics.

Q3. Which module is considered the most extensive in the JAIIB PPB exam?

Ans: Module A (General Banking Operations) is generally regarded as the largest module because it covers customer accounts, KYC, FEMA, negotiable instruments, digital banking, customer service, and regulatory guidelines.

Q4. Are banking laws and RBI guidelines an important part of the PPB syllabus?

Ans: Yes. The syllabus includes several banking laws and regulatory frameworks such as PMLA, FEMA, SARFAESI Act, IBC, RBI Ombudsman Scheme, and Consumer Protection Act, making them important preparation areas.

Q5. Does the JAIIB PPB exam include questions on digital banking and cyber security?

Ans: Yes. Module C covers modern banking technology, including CBS, NPCI payment systems, FinTech, cyber security, fraud prevention, digital banking channels, and emerging banking technologies.

Q6. Is there any sectional cut-off in the JAIIB PPB examination?

Ans: Candidates can qualify either by scoring 50 marks overall or by securing 45 marks overall along with at least 50% marks in each module, as per the prescribed passing criteria.

Q7. Which topics should candidates revise frequently before the PPB examination?

Ans: Candidates should regularly revise banking regulations, government schemes, lending principles, payment systems, ethics, and important banking terminology, as these topics are frequently tested.

Q8. Can candidates clear the PPB paper by studying only previous years’ questions?

Ans: Previous years’ questions are helpful for understanding the exam pattern, but candidates should also study the complete latest IIBF syllabus because new banking regulations and technology-related topics are regularly introduced.

Q9. What is the biggest advantage of the JAIIB PPB exam pattern?

Ans: One of the biggest advantages is that there is no negative marking, allowing candidates to attempt all 100 questions without the risk of losing marks for incorrect answers.

Q10. Why is the JAIIB PPB paper important for banking professionals?

Ans: The PPB paper builds a strong foundation in banking operations, credit management, customer service, technology, compliance, and professional ethics, making it valuable for day-to-day banking responsibilities as well as career advancement.

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