JAIIB PPB Syllabus 2026 Out: Download PDF, Exam Pattern & Tips
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JAIIB PPB Syllabus 2026 Out Exam Syllabus & Pattern
Candidates preparing for the JAIIB Exam 2026 must have a clear understanding of the JAIIB PPB Syllabus 2026 before they start their preparation. Principles & Practices of Banking (PPB) is one of the four core papers of the JAIIB exam conducted by the Indian Institute of Banking and Finance (IIBF). This article covers the complete module-wise JAIIB PPB syllabus, exam pattern, marking scheme, and preparation tips based on the official syllabus breakdown, so candidates can plan their study schedule effectively.
About The Indian Institute Written Exam
The Indian Institute of Banking and Finance (IIBF), formerly known as the Indian Institute of Bankers, is a professional body that conducts the Junior Associate of the Indian Institute of Bankers (JAIIB) examination. This exam is designed for banking professionals who wish to enhance their knowledge and skills in banking and finance. The JAIIB exam is a mandatory requirement for bank employees to progress in their careers, and it is recognized by the Reserve Bank of India (RBI) and other financial institutions. The PPB paper specifically focuses on the principles and practices of banking, covering areas such as general banking operations, functions of banks, banking technology, and ethics in banking. The exam is conducted twice a year, typically in June and December, and candidates must pass all four papers within a specified timeframe to obtain the JAIIB certification.
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JAIIB PPB Syllabus 2026 Out Exam Scheme & Marking
The JAIIB PPB exam is conducted in an online, objective-type format. Since there is no negative marking, candidates are advised to attempt all 100 questions. The table below summarises the exam pattern.
| 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) |
Detailed Subject-Wise Syllabus
The JAIIB PPB syllabus is divided into four modules. Each module is further broken down into chapters and detailed sub-topics so candidates can prepare systematically and track progress topic by topic.
Module A: General Banking Operations
| Subject/Area | Topics Covered |
|---|---|
| Banker-Customer Relationship | Requirements to be called a bank; banker-customer relationship; bank as a trustee; bailee-bailor relationship; agent-principal relationship; lessor and lessee; indemnifier and indemnified; different deposit products/services; services to customers and investors |
| AML-KYC Guidelines | Money laundering and financing of terrorism risks; Anti-Money Laundering (AML) framework in India; Know Your Customer (KYC) policy; organisational set-up for AML; obligations under PMLA; risk management; international obligations; FATF-identified jurisdictions; correspondent banking; reporting under FATCA/CRS; secrecy obligations |
| Operational Aspects of KYC | KYC norms; wire transfers; other operational regulations; Central KYC Records Registry (CKYCR); monitoring of transactions |
| Opening of Accounts | Personal accounts; accounts of other customers; norms for opening current accounts; obtaining photographs of account holders; Legal Entity Identifier (LEI) |
| Operational Aspects of Deposit Accounts | Salient features of deposit accounts; interest on deposit accounts; prohibitions and exemptions; inoperative accounts and unclaimed deposits; joint account operations; nomination facility; attachment orders; submission of records to statutory authorities |
| Clearing, Collection & Cash Handling | Cheque Truncation System (CTS); RBI guidelines on collection of instruments; cash handling and custody; security arrangements at branches and ATMs |
| Banker's Special Relationship | Mandate; Power of Attorney (POA); banker's lien; right of set-off; right of appropriation |
| Foreign Exchange Remittance Facilities | Evolution of FEMA; definitions; bringing in/taking out foreign exchange; inward and outward remittances; Indo-Nepal remittance scheme |
| Operational Aspects of NRI Business | Accounts permitted for NRIs and PIOs; accounts of foreign nationals visiting India; Special Non-Resident Rupee (SNRR) account; remittance of assets; property transactions by NRIs; investments by NRIs/PIOs |
| Foreign Currency Accounts | Types of foreign currency accounts; accounts in India and outside India; remittance of assets by foreign nationals; Foreign Contribution (Regulation) Act, 2010 |
| Cash Management Services (CMS) | Developments in CMS; importance of CMS; types of cash management services; challenges and issues |
| Negotiable Instruments | Negotiable Instruments Act; payment of cheques; payment in due course; endorsement and crossing of cheques; forged instruments; dishonour of cheques; Cheque Truncation System |
| Responsibility of Paying Bank | Liability under the Negotiable Instruments Act; forged signatures; payment in due course/good faith; payment under mistake; cheque truncation |
| Responsibility of Collecting Bank | Statutory protection to the collecting bank; duties of the collecting bank |
| Ancillary Services | Demand Drafts (DD) and Banker's Cheques (BC); Mail Transfer and Telegraphic Transfer; NEFT; RTGS; Electronic Benefit Transfer; mobile and digital banking; safe deposit lockers; merchant banking; government business |
| Financial Inclusion & Literacy | Extension of banking services; use of digital tools; financial literacy initiatives; Rural Self Employment Training Institutes (RSETI) |
| Customer Service Guidelines | Customer service in banks; branch management policies; ATM operations; security and risk mitigation; counter services; special customer facilities |
| Grievance Redressal & Legal Framework | Model Grievance Redressal Policy; RBI Integrated Ombudsman Scheme, 2021; Consumer Protection Act, 2019; Right to Information Act, 2005 |
Module B: Functions of Banks
| Subject/Area | Topics Covered |
|---|---|
| Principles of Lending & Credit Facilities | Principles of lending; types of borrowers; types of credit facilities; fund-based working capital facilities; term loans and demand loans; non-fund based facilities |
| Appraisal and Assessment of Credit Facilities | Credit appraisal and appraisal techniques; methods of loan assessment; assessment of working capital and term loans |
| Operational Aspects of Loan Accounts | Interest rates on loans; credit management and monitoring; loan processing and sanction procedure; accounting aspects of loan products; recovery agents guidelines; Fair Practices Code for lenders |
| Types of Collaterals and Securities | Effectiveness of securities; secured and unsecured loans; land and buildings; goods and documents of title; advances against life insurance, shares, debentures, book debts, term deposits; gold loans; supply bills and vehicle finance |
| Modes of Charging Securities | Meaning and essentials of a contract; contract of agency; contract of bailment; types of charges; registration of charges |
| Documentation | Types of loan documents; documentation procedure |
| Non-Performing Assets (NPA) / Stressed Assets | Definition of NPAs; income recognition norms; gross and net NPA; asset classification; provisioning norms; writing off NPAs; resolution and restructuring of stressed assets |
| Laws Relating to Recovery of Dues | Recovery of Debts and Bankruptcy Act, 1993; SARFAESI Act; Insolvency and Bankruptcy Code (IBC); Legal Services Authorities Act; Law of Limitation |
| Contracts of Indemnity | Definition of contract of indemnity; difference between indemnity and guarantee; rights of indemnity holder; implied indemnity; application of indemnity in banking |
| Contracts of Guarantee & Bank Guarantee | Parties to the contract; liability of surety; continuing guarantee; revocation and discharge of surety; rights of surety; types of bank guarantees; precautions in issuance and payment |
| Letters of Credit (LC) | Meaning and parties to an LC; types of letters of credit; documents under LC; UCPDC 600; bank's obligations under LC |
| Deferred Payment Guarantee (DPG) | Purpose of deferred payment guarantee; method of payment |
| Bills Finance | Classes of bills; laws governing bills; types of bill finance; legal position of banker in bill finance |
| Retail Loans & Credit Cards | Credit cards; home loans; personal loans; consumer loans |
| Priority Sector Advances | Applicability of priority sector lending; targets and sub-targets; categories under priority sector; non-achievement of targets |
| Agricultural Finance | Short-term and long-term loans; crop loans; Kisan Credit Card (KCC) scheme; Minimum Support Price scheme; Pradhan Mantri Fasal Bima Yojana (PMFBY) |
| Finance to MFIs & NBFCs | Bank finance to NBFCs; on-lending by NBFCs; NBFC-MFI model; co-lending to priority sector; Scale-Based Regulation (SBR) framework |
| Micro, Small and Medium Enterprises (MSME) | MSME Development Act; credit support to MSMEs; delayed payment provisions; Trade Receivables Discounting System (TReDS); Credit Guarantee Fund Scheme; cluster-based financing |
| Government Sponsored Schemes | DAY-NRLM; DAY-NULM; Pradhan Mantri Jan Dhan Yojana (PMJDY); MUDRA loans; Khadi and Village Industries Commission (KVIC) |
| Self-Help Groups (SHG) | Definition and need of SHGs; formation of SHGs; SHGs under DAY-NRLM/DAY-NULM; SHG-Bank Linkage Programme |
Module C: Banking Technology
The Banking Technology module covers the technological aspects of banking, including digital banking, payment systems, and cybersecurity. Key topics include:
- Banking Technology: Core banking solutions, digital payments, mobile banking, internet banking, and electronic fund transfers.
- Payment Systems: NEFT, RTGS, IMPS, UPI, and other payment systems.
- Information Security: Cybersecurity, data protection, and fraud prevention.
- Emerging Trends: Blockchain, artificial intelligence, and fintech innovations.
Module D: Ethics in Banks and Financial Institutions
This module focuses on ethical practices and governance in banking. Key topics include:
- Ethics in Banking: Code of conduct, ethical dilemmas, and professional standards.
- Corporate Governance: Board responsibilities, transparency, and accountability.
- Customer Protection: Fair treatment, grievance redressal, and responsible lending.
- Regulatory Compliance: Compliance with RBI guidelines and other regulations.
Selection Stages
The selection process for JAIIB certification involves passing all four papers of the exam. The PPB paper is one of the core papers, and candidates must clear it along with the other three papers (Indian Economy and Indian Financial System, Accounting and Financial Management for Bankers, and Retail Banking and Wealth Management) to obtain the JAIIB certification. The exam is conducted twice a year, and candidates can appear for individual papers in any order. There is no interview or group discussion; the selection is solely based on the candidate's performance in the written exam. Candidates must achieve the passing marks in each paper to be eligible for certification.
Preparation Strategy & Tips
To crack the JAIIB PPB exam, candidates should adopt a structured preparation strategy. Here are some effective tips:
- Understand the Syllabus: Thoroughly review the syllabus and mark the important topics. Focus on areas with higher weightage.
- Create a Study Plan: Allocate time for each module based on your strengths and weaknesses. Stick to a consistent study schedule.
- Refer to Standard Books: Use recommended books and study materials from IIBF and other reputed authors. The IIBF's official study material is a must-read.
- Practice Mock Tests: Solve previous years' question papers and take online mock tests to get familiar with the exam pattern and improve time management.
- Stay Updated: Keep abreast of the latest banking news, RBI guidelines, and technological advancements in banking.
- Revise Regularly: Regular revision is crucial to retain concepts. Make concise notes for quick revision before the exam.
Official Syllabus PDF Link
For the official and detailed syllabus, candidates can visit the IIBF website at www.iibf.org.in. The official syllabus PDF can be downloaded from the 'Examinations' section. Additionally, candidates can refer to the official notification for the JAIIB exam 2026, which contains the complete syllabus and exam pattern. It is advisable to download the syllabus PDF and keep it handy for reference during preparation.
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This article has been manually researched, cross-referenced with the official notification, and structured to provide verified, candidate-centric information.
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