The PPB (Principles & Practices of Banking) exam is one of the most important papers for banking professionals preparing for the JAIIB certification. This subject helps candidates build strong clarity in banking operations, credit management, digital banking systems, compliance, and regulatory frameworks.
For aspirants appearing in the upcoming JAIIB PPB paper, the exam is scheduled for 9th May and 22nd November 2026. Focusing on repetitive and high-weightage topics can make a big difference in your final score. Instead of studying everything randomly, smart preparation with exam-oriented topics helps you save time and improve accuracy.
In this blog, we have provided a detailed module-wise breakdown of must-know PPB topics so that you can focus your preparation strategically.
What are the most important topics in JAIIB PPB exam?
The JAIIB PPB exam focuses on core banking concepts that are frequently repeated in exams. These topics build the foundation of banking knowledge and carry maximum weightage in the paper.
- KYC and AML Norms
- Priority Sector Lending
- Lending Principles and Loan Products
- Digital Banking and Payment Systems
- Banker-Customer Relationship
- Ethics in Banking
- Negotiable Instruments Act
- Non-Performing Assets
What is the exam pattern of JAIIB PPB 2026?
The JAIIB PPB Exam 2026 is conducted in an online mode with no negative marking. The paper consists of 100 questions for 100 marks, and candidates are given 2 hours to complete the paper. After final submission candidates will get to know the total correct answers, they have marked in the paper. The details of the JAIIB exam pattern are as follows:
| Feature | Details |
| Total Questions | 100 objective-type MCQs per paper |
| Total Marks | 100 marks per paper |
| Case-Based Questions | Yes, included |
| Exam Mode | Online (CBT) |
| Negative Marking | No negative marking |
| Assessment Areas | Basic knowledge, application skills, case handling, and numerical aptitude |
Also Check: JAIIB PPB Syllabus
Which are the most important modules in JAIIB PPB syllabus?
The detailed module-wise important topics for the JAIIB PPB exam, scheduled to be held on 9th May and 22nd November, are as follows:
What is covered under Module A KYC & AML Compliance?
This module is high-yield and focuses on regulatory compliance and risk management. Questions often come directly from procedures and roles.
| Topic | Description | Approx. Marks |
| Customer Identification Procedure | Steps for verifying customers, documents required | 3–4 |
| Risk Categorization | Classification of customers into low, medium, high risk | 3–4 |
| PMLA Compliance & STR | Reporting suspicious transactions, record-keeping norms | 4–5 |
| Principal Officer & Director Roles | Responsibilities of designated officers in AML | 2–3 |
| Cash Transaction Limits & Due Diligence | Thresholds and reporting requirements | 2–3 |
What does Module B Priority Sector Lending & Loans include?
Covers agriculture, MSME, export, and retail loans. Practical calculations often appear from working capital, cash budget, and term loans.
| Topic | Description | Approx. Marks |
| Agriculture Advances | Direct, Indirect, Crop Loan Mechanism | 3–4 |
| MSME & Export Credit | Credit procedures, documentation | 3–4 |
| Lending Principles | Working capital, turnover method, inventory financing | 4–5 |
| Retail & Term Loans | Auto, personal loans, credit appraisal | 3–4 |
| Non-Fund Based Facilities | Bank guarantees, letters of credit | 2–3 |
What is included in Module C Digital Banking & Payment Systems?
Focuses on delivery channels, digital banking operations, and customer experience.
| Topic | Description | Approx. Marks |
| Core Banking & Digital Channels | CBS, internet banking, mobile banking, ATMs | 3–4 |
| Payment Systems | NEFT, RTGS, IMPS, UPI | 3–4 |
| Digital Threats & Mitigation | Cybersecurity, regulatory compliance | 2–3 |
| Digital Transformation | Recent trends & regulatory updates | 2–3 |
Also Check: JAIIB Admit Card 2026
What is covered in Module D Banker-Customer Relationship & Ethics?
Scenario-based questions dominate this module, testing ethics, governance, and regulatory compliance.
| Topic | Description | Approx. Marks |
| Banker-Customer Relationship | Roles: Debtor, Creditor, Trustee, Beneficiary, Agent | 3–4 |
| Duty of Secrecy & Right of Set-Off | Legal rights and obligations | 2–3 |
| Ethics & Governance | Employee ethics, corporate ethics, regulatory compliance | 4–5 |
| Committee Recommendations | Key recommendations by RBI/IRDA/Banks | 2–3 |
What does Module E Negotiable Instruments & Recovery cover?
Includes key instruments and recovery mechanisms under NPA/IBC framework.
| Topic | Description | Approx. Marks |
| Negotiable Instruments | Promissory note, bill of exchange, cheque, endorsement | 4–5 |
| Banker’s Protection | Sections 85, 131, 138 | 3–4 |
| NPA & Recovery | Insolvency, SARFAESI, DRT | 4–5 |
What is the best last-minute preparation strategy for PPB exam?
The last-minute preparation strategy for the JAIIB PPB paper is as follows:
- Prioritize High-Weightage Modules – Focus on Modules B, D, and E first.
- Practice Numericals & Case Studies – Especially for lending and NPA recovery.
- Revise Regulatory Updates – Keep updated with recent circulars, PMLA amendments, and digital banking changes.
- Use Scenario-Based Questions – Ethics and governance often appear in case-based format.
- Attempt Mock Tests – Full-length and module-wise to improve accuracy and timing.
FAQs
Together, these modules cover maximum marks, forming the core of the exam.
Yes, focus on high-frequency topics first. Minor topics can be partially revised.
Understand principles and roles rather than rote memorization. Practice past year case-based questions.
Yes, they are high-priority topics in Module C and repeatedly appear in exams.
Modules B and E cover agriculture, MSME, retail loans, term loans, non-fund based facilities, and NPA recovery.
Hi, I’m Aditi. I work as a Content Writer at Oliveboard, where I have been simplifying exam-related content for the past 4 years. I create clear and easy-to-understand guides for JAIIB, CAIIB, and UGC exams. My work includes breaking down notifications, admit cards, and exam updates, as well as preparing study plans and subject-wise strategies.
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