JAIIB PPB Syllabus 2026 Overview
The syllabus for the JAIIB PPB (Principles & Practices of Banking) exam in 2026 outlines a comprehensive framework for candidates preparing for this essential paper. As one of the four core components of the JAIIB examination conducted by the Indian Institute of Banking and Finance (IIBF), understanding the syllabus is crucial for effective study planning. This article provides an exhaustive review of the JAIIB PPB syllabus, including module-wise breakdown, exam format, marking criteria, and expert advice on preparation strategies.
JAIIB PPB Syllabus 2026 - Essential Information
The PPB paper assesses candidates' knowledge of banking operations, the functions of banks, banking technology, and ethical standards in financial institutions. The exam is entirely objective, consists of multiple-choice questions (MCQs), and does not impose negative marking.
| Exam Details | Description |
|---|---|
| Exam Name | JAIIB Principles & Practices of Banking (PPB) |
| Conducting Body | Indian Institute of Banking and Finance (IIBF) |
| Paper Type | Core paper of the JAIIB Exam |
| Exam Mode | Online, objective type (MCQ) |
| Total Questions | 100 |
| Total Marks | 100 |
| Duration | 2 Hours (120 minutes) |
| Number of Modules | 4 (Modules A, B, C, D) |
| Medium of Exam | English / Hindi |
| Negative Marking | No |
| Passing Marks | 50 out of 100 (or 45 with a minimum of 50% in each module) |
Exam Pattern for JAIIB PPB 2026
The JAIIB PPB examination follows an online format with no negative marking, encouraging candidates to attempt all questions. Below is a summary of the exam structure:
| Exam Mode | Modules Covered | Total Questions | Total Marks | Duration | Medium | Negative Marking | Passing Marks |
|---|---|---|---|---|---|---|---|
| Online | General Banking Operations, Functions of Banks, Banking Technology, Ethics in Banks and Financial Institutions | 100 | 100 | 2 Hours | English / Hindi | No | 50 out of 100 (or 45 with a minimum of 50% in each subject/module) |
Module-Wise Syllabus for JAIIB PPB 2026
The JAIIB PPB syllabus is organized into four modules. Each module is subdivided into specific chapters with detailed topics, allowing candidates to prepare in a structured manner.
Module A: General Banking Operations
| Subject/Area | Topics Covered |
|---|---|
| Banker-Customer Relationship | Definition of a bank; banker-customer interactions; trustee relationships; deposit products; customer services. |
| AML-KYC Guidelines | Risks of money laundering; AML framework; KYC policy; reporting obligations; correspondent banking. |
| Operational Aspects of KYC | KYC norms; regulatory frameworks; transaction monitoring. |
| Opening of Accounts | Types of accounts; necessary documentation; norms for current accounts. |
| Operational Aspects of Deposit Accounts | Features of deposit accounts; interest regulations; account management. |
| Clearing, Collection & Cash Handling | Cheque Truncation System; RBI guidelines; cash security measures. |
| Banker's Special Relationship | Mandate, Power of Attorney, lien rights. |
| Foreign Exchange Remittance Facilities | Overview of FEMA; inward and outward remittances. |
| Operational Aspects of NRI Business | Permitted accounts for NRIs; remittance processes. |
| Foreign Currency Accounts | Types of foreign currency accounts; regulatory framework. |
| Cash Management Services (CMS) | Importance and types of CMS. |
| Negotiable Instruments | Cheque payment processes; rights and liabilities under the Negotiable Instruments Act. |
| Financial Inclusion & Literacy | Access to banking; digital finance initiatives. |
| Customer Service Guidelines | Standards of service; ATM operations; grievance redressal. |
| Grievance Redressal & Legal Framework | Consumer Protection Act; grievance policies. |
Module B: Functions of Banks
| Subject/Area | Topics Covered |
|---|---|
| Principles of Lending & Credit Facilities | Lending principles; types of credit facilities; working capital management. |
| Appraisal and Assessment of Credit Facilities | Credit appraisal techniques; loan assessment methods. |
| Operational Aspects of Loan Accounts | Loan interest management; recovery procedures. |
| Types of Collaterals and Securities | Effectiveness of various securities; loan security types. |
| Documentation | Loan documentation processes and requirements. |
| Non-Performing Assets (NPA) / Stressed Assets | Definitions; asset classification; resolution strategies for NPAs. |
| Contracts of Indemnity | Definition and implications in banking. |
| Letters of Credit (LC) | Types and documentation involved in LCs. |
| Priority Sector Advances | Targets for priority sector lending and categories. |
| Agricultural Finance | Overview of agricultural financing schemes. |
| Self-Help Groups (SHG) | Formation and functioning of SHGs in finance. |
Module C: Banking Technology
| Subject/Area | Topics Covered |
|---|---|
| Bank Computerisation Essentials | Overview of banking computerisation; core systems. |
| Digital Banking | Electronic banking methods; protection in online transactions. |
| Data Communication Networks & EFT Systems | Networking basics; Electronic Funds Transfer evolution. |
| Digital Payment Systems - NPCI | Electronic payment frameworks in India. |
| Security Measures in Banking | Cyber security considerations; risk mitigation strategies. |
Module D: Ethics in Banks and Financial Institutions
| Section/Area | Subtopics |
|---|---|
| Ethics and Business Ethics | Values; ethical practices in banking. |
| Workplace Ethics | Benefits and importance of ethics in the workplace. |
| Changing Dynamics of Banking Ethics | Impact of technology on ethics; data privacy issues. |
Marking Scheme and Passing Criteria
The PPB examination consists of 100 questions, each contributing 1 mark toward the total score. With no negative marking policy, candidates are encouraged to answer all questions. To succeed, candidates must achieve at least 50 marks overall or 45 marks with a minimum of 50% in each module.
Preparation Strategies for the JAIIB PPB Exam
Successful preparation for the JAIIB PPB paper involves a strategic approach:
- Prioritize High-Weightage Modules: Start with modules that historically contribute the most questions.
- Review Previous Year Papers: Analyze past exam questions for topics and patterns.
- Utilize Official Study Material: Refer to the IIBF's official resources alongside reliable summaries.
- Practice MCQs: Engage in chapter-wise questions and full module assessments.
- Evaluate Mock Test Results: Identify weak areas through practice assessments for targeted revision.
Important Links
For further information, visit the official JAIIB website: JAIIB Official Website.
JAIIB PPB Syllabus 2026 - Frequently Asked Questions
What is the full form of JAIIB PPB?
JAIIB PPB refers to Junior Associate of the Indian Institute of Bankers - Principles and Practices of Banking.
What is the total marks for the JAIIB PPB paper?
The overall score for the JAIIB Principles and Practices of Banking paper is 100 marks.
What is the duration of the JAIIB PPB exam?
The allotted time for the JAIIB PPB exam is 2 hours (120 minutes).
Is there negative marking in the JAIIB PPB exam?
No negative marking is implemented in the JAIIB PPB exam.
How many modules are there in the JAIIB PPB syllabus?
The syllabus includes four modules: Module A (General Banking Operations), Module B (Functions of Banks), Module C (Banking Technology), and Module D (Ethics in Banks and Financial Institutions).