The JAIIB exam includes questions that test conceptual understanding, practical banking knowledge, and application-based problem-solving across different subjects. Recent exam analyses have shown that the question pattern focuses on important banking concepts, statement-based questions, case studies, and numerical problems. Understanding these trends helps candidates prepare in a more structured manner.
In this blog, we have provided JAIIB practice papers based on the latest exam analysis, the topics they cover, and how they can help candidates become familiar with the current exam pattern.
Download JAIIB Practice Papers Based on Exam Analysis
Prepare for the JAIIB exam with practice papers based on the latest exam analysis. These practice papers include 100 important MCQs prepared after analysing the recent JAIIB examinations across IE & IFS, PPB, AFM, and RBWM. The questions cover conceptual, application-based, statement-based, case study, and numerical topics along with correct answers and detailed solutions to help you prepare effectively.
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Attempt JAIIB Practice Papers Based on Exam Analysis
Test your preparation with JAIIB practice papers designed using the latest exam analysis and feedback from banking professionals. The practice papers include questions from frequently asked topics across all four JAIIB subjects, helping you improve your conceptual understanding, problem-solving ability, accuracy, and time management before the examination.
1. Which bank was NOT part of the three-way merger that created the new Bank of Baroda in April 2019?
2. The Narasimham Committee I (1991) recommended that the government’s shareholding in public sector banks should be reduced to:
3. Narasimham Committee II (1998) recommended a minimum capital adequacy ratio (CAR) of:
4. Punjab National Bank’s merger in 2020 included which of the following banks?
5. Which committee recommended the establishment of Asset Reconstruction Companies (ARCs) in India?
6. Infrastructure Investment Trusts (InvITs) are regulated by:
7. A Real Estate Investment Trust (REIT) is mandatorily required to distribute at least what percentage of its net distributable cash flows to investors?
8. Which of the following is a key difference between InvITs and REITs?
9. As per IRDAI regulations, an insurance broker can represent:
10. Can an insurance broker offer a discount on premium to the client?
11. Under Priority Sector Lending (PSL) norms, the Adjusted Net Bank Credit (ANBC) is calculated as Net Bank Credit plus:
12. A bank has a standard asset classified under commercial real estate (CRE). What is the provisioning requirement as per RBI guidelines?
13. A loan account is classified as a Doubtful Asset — Category 2 (DA2). What is the applicable provisioning rate for the secured portion of this NPA?
14. Under the Maximum Permissible Bank Finance (MPBF) — Second Method of lending, working capital finance is restricted to:
15. Under Basel III norms, the minimum Capital to Risk-weighted Assets Ratio (CRAR) required is:
16. In a Letter of Credit transaction, the term ‘sight LC’ means:
17. Under FEMA, 1999, which of the following is classified as a ‘Capital Account Transaction’?
18. Consider the following statements regarding Hypothecation: 1. Physical possession of the hypothecated goods remains with the borrower. 2. In case of default, the bank must first obtain possession before enforcing its rights. 3. Hypothecation can be converted into a pledge if the bank takes possession. 4. Banks cannot enforce SARFAESI action on hypothecated goods. Which statements are CORRECT?
19. A Holder in Due Course (HDC) under the NI Act, 1881 must fulfil which of the following conditions? 1. Must have obtained the instrument for valuable consideration 2. Must have obtained the instrument before maturity 3. Must have no cause to believe the instrument was defective 4. Can be a party who received the instrument as a gift
20. Under PSL guidelines, the target for total priority sector lending for domestic commercial banks is:
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1. Which of the following best describes a Forensic Audit?
2. As per Accounting Standard 26, internally generated goodwill should be:
3. Under CAPM, if the risk-free rate is 6%, market return is 12%, and Beta is 1.5, what is the expected return?
4. An Accommodation Bill is one where:
5. Prime Cost in cost accounting is calculated as:
6. Under the Gordon Growth Model, if D1 = ₹5, P0 = ₹50, and growth rate = 4%, the required rate of return is:
7. A company earns PAT of ₹10,00,000. It has 80,000 equity shares and 20,000 preference shares with a dividend of ₹2 per share. What is the EPS?
8. Which Accounting Standard deals with Contingent Liabilities and Contingent Assets?
9. Under Section 135 of the Companies Act, CSR spending is mandated at:
10. In a Bank Reconciliation Statement, if the passbook shows an overdraft balance of ₹10,000 and a cheque of ₹2,000 issued has not been presented for payment, the balance as per cash book will be:
11. Which type of Prepaid Payment Instrument (PPI) allows cash withdrawal?
12. Under the education loan scheme, what is the collateral requirement for loans above Rs. 7 lakh?
13. Under the Reverse Mortgage Loan scheme, what is the minimum age for the primary borrower?
14. Under Sukanya Samriddhi Yojana, what percentage of the corpus can be withdrawn when the girl child attains 18 years of age?
15. What is the maximum deduction allowed under Section 80C of the Income Tax Act?
16. How many Official Valid Documents (OVDs) are currently recognized for KYC under Indian banking regulations?
17. If a third-party fraud is reported within 3 working days, what is the customer’s liability?
18. What is the maximum home loan interest deduction allowed under Section 24(b) of the Income Tax Act?
19. Under the Written Down Value (WDV) method of depreciation, on what amount is depreciation calculated?
20. How many Debt Recovery Appellate Tribunals (DRATs) are currently functional in India?
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Which important topics are covered based on the latest exam analysis?
The latest JAIIB exam analysis shows that certain topics appeared repeatedly across different shifts. These topics have been given special importance while preparing the practice papers.
| Subject | Frequently Asked Topics |
| IE & IFS | RBI Functions, Financial Markets, GDP, Inflation, Government Schemes, Bonds, REIT, Insurance, Forex, Accounting Standards |
| PPB | Priority Sector Lending, PMLA, FEMA, Working Capital, KYC, Customer Relationship, Banking Laws, Mortgage, RTGS, NEFT, Ethics |
| AFM | Accounting Standards, Bond Valuation, CAPM, Costing, Depreciation, Financial Ratios, Journal Entries, Bank Reconciliation Statement, Budgeting |
| RBWM | Home Loans, Wealth Management, Mutual Funds, Tax Planning, Credit Cards, Reverse Mortgage, KYC, Digital Payments, Portfolio Management |
Why should you solve JAIIB practice papers based on exam analysis?
Practice papers prepared after a detailed exam analysis closely match the actual exam pattern. They include questions from the topics that received higher weightage in recent exams and help you prepare in a smarter way.
| Benefit | How it helps |
| Based on latest exam pattern | Covers questions similar to those asked in the recent JAIIB exams. |
| Focus on important topics | Gives more practice on high-weightage concepts across all papers. |
| Improves conceptual clarity | Helps understand banking concepts instead of memorising answers. |
| Better time management | Develops the habit of solving 100 questions within the exam duration. |
| Builds confidence | Makes candidates familiar with the latest question pattern before the exam. |
What do these JAIIB practice papers include?
The practice papers are prepared after analysing the questions asked across different shifts and subjects. They contain conceptual, statement-based, case study, and numerical questions similar to the actual examination.
- Memory-based questions from recent JAIIB exams
- Concept-based banking questions
- Practical banking case studies
- Numerical and calculation-based questions
- Statement-based MCQs
- Module-wise practice questions
- Mixed mock papers following the latest pattern
- Detailed answers with explanations
Also Check: JAIIB Syllabus
Which subjects are covered in the JAIIB practice papers?
The practice papers include all four compulsory JAIIB subjects. Each paper is prepared according to the latest syllabus and recent exam analysis.
| JAIIB Subject | Focus Areas Covered |
| Indian Economy & Indian Financial System (IE & IFS) | Economy, RBI, Financial Markets, Banking Regulations, Government Schemes, Accounting Basics |
| Principles & Practices of Banking (PPB) | Banking Laws, Lending, Financial Inclusion, Customer Service, Digital Banking, Risk Management |
| Accounting & Financial Management for Bankers (AFM) | Accounting Standards, Costing, Financial Management, Ratios, Bond Valuation, Numerical Questions |
| Retail Banking & Wealth Management (RBWM) | Home Loans, Retail Products, Wealth Management, Taxation, Digital Banking, Investment Products |
How are these practice papers different from regular question papers?
Most practice papers only follow the syllabus. These papers go one step further by using the latest exam feedback and question trends. This makes your preparation more focused and relevant to the actual examination.
- Prepared using recent JAIIB exam analysis
- Questions similar to actual exam difficulty
- Covers all four JAIIB subjects
- Includes conceptual and application-based questions
- Contains numerical questions with solutions
- Follows the latest syllabus and exam pattern
- Useful for revision before the examination
How should you use these practice papers effectively?
Simply solving questions is not enough. You should also analyse your performance and revise the topics where mistakes occur. This approach helps strengthen weak areas before the exam.
- Complete one subject-wise practice paper.
- Check the answers and explanations carefully.
- Revise the topics where you made mistakes.
- Solve another paper under exam conditions.
- Track your score and improve your weak areas.
- Attempt mixed practice papers before the final exam.
FAQs
The practice papers cover IE & IFS, PPB, AFM, and RBWM.
Yes, they include numerical, conceptual, statement-based, and application-based questions.
Yes, each question is provided with the correct answer and a detailed explanation.
Yes, they are prepared using the analysis of questions asked across different exam shifts.
Yes, they include questions from all modules as per the latest syllabus and exam analysis.
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.
My goal is to support working professionals in managing their exam preparation alongside a full-time job and to help them achieve career growth.
