Preparing for the JAIIB 2026 RBWM exam can feel overwhelming with so many topics to cover. The good news is that many topics tend to repeat each year, making it possible to focus your efforts strategically. In this blog, we have highlighted the most important topics that are frequently asked in the exam. Along with practice MCQs, we also provide a direct link to download the PDF of the 50 most repetitive questions, helping you save time and prepare more effectively.
Download the JAIIB RBWM Most Repetitive MCQs PDF
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What are the most common topics in JAIIB RBWM exam?
As per the last few JAIIB exam analysis certain topics appeared repeatedly, indicating a clear preference for practical banking concepts over theory-heavy content. The focus is mostly on retail lending, basic banking operations, compliance, and banking products. These recurring topics give professionals a good idea of what to focus on and which areas can give maximum marks with minimum effort.
| Topics | Details |
| Retail Lending | Education loans, housing loans, and LTV calculations are repeatedly asked. Focus on limits, margin, PSL benefits, and insurance requirements. |
| Banking Products | BSBD accounts, minor accounts, and OD/credit card limits appear in most exams. Limits and eligibility criteria are important. |
| Payment Systems | RTGS, NEFT, UPI, and SWIFT frequently come with numerical limits or processing times. |
| Investment & Wealth Products | Mutual funds, PMS, and insurance schemes like PMJJBY appear often. Know eligibility, limits, and key definitions. |
| Marketing Mix & Branch Management | Product, price, promotion, place, process, and people questions often appear in theory-based questions. |
| Regulatory & Compliance | Centralized KYC (CKYC), RBI guidelines, and DRT processes are common, especially limits and authority questions. |
| Financial Calculations | Short-term and long-term capital gains, NAV calculations, and cost vs. full value appear as numerical questions. |
| Customer Segmentation | Retail vs. wholesale banking differences, C2C and C2B concepts, and wealth management eligibility are asked regularly. |
20 JAIIB RBWM MCQs from the Most Repetitive Topics
Q1. Which of the following best describes the ‘Departmental Approach’ in retail banking?
- A. It integrates retail banking into the overall business plan of the bank without a separate department.
- B. It divides the organisation based on functions performed by teams, commonly adopted by public sector banks in India.
- C. It eliminates hierarchy and chain of command entirely.
- D. It is exclusively used by foreign banks operating in India.
Correct Answer: Option B
Q2. Profitability in banking is best described as:
- A. Absolute measure of income minus expenses only.
- B. Net profit after taxes and interest.
- C. A relative measure of efficiency and return on resources employed.
- D. Gross profit margin as a percentage of total assets.
Correct Answer: Option C
Q3. A company has Sales = ₹12,00,000; COGS = ₹6,80,000; Operating Expenses = ₹2,20,000; Taxes + Interest = ₹60,000. What is the Net Profit Margin?
- A. 22.5%
- B. 34.2%
- C. 20%
- D. 10.8%
Correct Answer: Option C
Q4. Bank X reports: Net Interest Income = ₹36 crore, Average Total Assets = ₹1,000 crore. What is its Net Interest Margin (NIM)?
- A. 3.6%
- B. 3.27%
- C. 4.0%
- D. 3.0%
Correct Answer: Option A
Q5. Bank A reports: Net Income = ₹45 crore, Total Assets = ₹1,500 crore, Total Capital = ₹150 crore. Calculate Return on Equity (ROE).
- A. 3.0%
- B. 4.5%
- C. 30.0%
- D. 45.0%
Correct Answer: Option C
Q6. Which of the following formulas are CORRECT regarding bank profitability ratios? (i) ROA = Net Income ÷ Average Total Assets (ii) ROE = ROA × Leverage Ratio (iii) Leverage Ratio = Bank Assets ÷ Bank Capital (iv) NIM = Net Interest Income ÷ Average Total Liabilities
- A. (i), (ii) and (iii) only
- B. (ii), (iii) and (iv) only
- C. (i), (iii) and (iv) only
- D. All four are correct
Correct Answer: Option A
Q7. A customer with an annual income between ₹50 lakh and ₹4 crore falls under which segment?
- A. Mass Affluent
- B. Super Affluent / HNW
- C. Ultra HNW
- D. Mass Market
Correct Answer: Option B
Q8. During the Introduction stage of the Product Life Cycle in retail banking, which of the following is MOST accurate?
- A. Sales volume peaks due to a wide customer base.
- B. Sales volume is low and revenue is insufficient to cover costs.
- C. Competition causes product staleness and saturation.
- D. The product faces decline and eventual withdrawal.
Correct Answer: Option B
Q9. Which of the following statements about Basic Savings Bank Deposit Account (BSBDA) is/are CORRECT? (i) No minimum balance requirement. (ii) Maximum 4 withdrawals per month. (iii) Free ATM-cum-Debit card facility. (iv) Eligibility to open multiple SB accounts in the same bank.
- A. (i), (ii) and (iii) only
- B. (ii), (iii) and (iv) only
- C. (i), (iii) and (iv) only
- D. All four
Correct Answer: Option A
Q10. Which of the following is NOT permitted in a Small Account (as per RBI norms)?
- A. Balance exceeding ₹50,000
- B. Annual credits up to ₹1 lakh
- C. Monthly withdrawals up to ₹10,000
- D. Account validity up to 24 months with possible extension
Correct Answer: Option A
Also download the JAIIB Previous Year Papers PDF
Q11. Post RBI deregulation of savings bank interest rates (October 2011), which statements are CORRECT? (i) Banks must offer a uniform rate on SB deposits up to ₹1 lakh. (ii) Banks can offer differential rates beyond ₹1 lakh, non-discriminatory within branches. (iii) Banks can offer any rate selectively to any customer regardless of deposit amount. (iv) Deregulation applies only to NRI SB deposits.
- A. (i) and (ii) only
- B. (ii) and (iii) only
- C. (i), (ii) and (iv)
- D. (i) and (iii) only
Correct Answer: Option A
Q12. What is the minimum period for a term deposit of less than ₹15 lakh?
- A. 7 days
- B. 15 days
- C. 30 days
- D. 60 days
Correct Answer: Option B
Q13. Which of the following entities CANNOT open a Savings Bank account as per RBI guidelines?
- A. Primary Co-operative Credit Society financed by a bank
- B. Khadi and Village Industries Board
- C. Political party
- D. Self-Help Group (SHG)
Correct Answer: Option C
Q14. A current account shows no operations for two continuous years. It will be classified as:
- A. Dormant account
- B. Frozen account
- C. Inoperative account
- D. Suspended account
Correct Answer: Option C
Q15. Regarding minor accounts, which statements are CORRECT? (i) Minors aged 10 years or above can open and operate SB accounts independently. (ii) Maximum balance limit for minors below 14 years is ₹1,00,000. (iii) For minors below 10 years, accounts can only be operated by guardians. (iv) Overdraft facility is permitted for minors’ SB accounts.
- A. (i), (ii) and (iii) only
- B. (ii), (iii) and (iv) only
- C. (i) and (iii) only
- D. All four
Correct Answer: Option A
Q16. Which facility is NOT permitted in the savings bank account of an illiterate person?
- A. Thumb impression authentication
- B. Photograph attestation
- C. Cheque book facility
- D. Personal withdrawals at the branch
Correct Answer: Option C
Q17. Deposits not operated for 10 years or more are classified as unclaimed and transferred to which fund?
- A. Prime Minister’s National Relief Fund
- B. RBI’s Depositor Education and Awareness (DEA) Fund
- C. DICGC Insurance Fund
- D. National Treasury Unclaimed Fund
Correct Answer: Option B
Q18. In case of auto-renewal of Fixed Deposits, deposits are generally renewed:
- A. For a shorter period at the old rate
- B. For the same/similar period at the prevailing market rate
- C. For a random period chosen by the bank
- D. Only if the customer submits Form 15G
Correct Answer: Option B
Q19. If a sole locker hirer nominates a person, who gets access to the locker after the hirer’s death?
- A. Legal heirs only, after probate of will
- B. Nominee directly
- C. Survivor and nominee jointly
- D. RBI-appointed custodian
Correct Answer: Option B
Q20. Banks can undertake credit card business independently (without a subsidiary) if they meet which condition?
- A. Net worth of ₹50 crore
- B. Net worth of ₹100 crore or more
- C. Prior RBI approval in all cases is mandatory
- D. Only foreign banks can issue credit cards independently
Correct Answer: Option B
Download JAIIB important MCQs Free PDF
Also, download the JAIIB important MCQs free PDF here:
What type of questions are mostly asked in JAIIB RBWM exams?
The exam focuses more on real-life banking situations rather than just memorizing facts. Questions are a mix of numbers, practical examples, and theory.
- Numerical calculations: LTV ratio, capital gains (short-term & long-term), RTGS/NEFT limits, interest rates, and OD/credit limits.
- Definition-based: Terms like SWIFT, PMS, CKYC, SFMS, and BSBD account.
- Scenario-based case studies: Retail loan processing, minor account eligibility, or fund transfer cases.
- Regulatory & compliance: RBI guidelines, DRT jurisdiction, and PSL limits for education loans.
- Product-based questions: Insurance schemes, mutual funds, and banking service channels (USSD, mobile banking, ATM).
Also Check:
Which question trends are visible in the last JAIIB RBWM exams?
Analysis of the last few exam shows that while the exact questions may change, the topics often repeat. Around 50–60% of questions come from the same areas, sometimes in a slightly different form. The exam tends to focus more on numerical problems and real-life banking scenarios, while theoretical questions are asked less often.
- Education & housing loans: Always asked; focus on limits, margins, insurance, and co-applicant rules.
- Banking operations: BSBD accounts, OD facilities, minor accounts, and their limits are repeated.
- Payment systems & remittances: UPI, NEFT, RTGS, SWIFT, and their timings or limits.
- Investment & wealth management: PMJJBY, PMS eligibility, and mutual fund NAV calculations.
- Marketing & branch management: Marketing mix (Product, Price, Place, Promotion, Process, People) appears consistently.
- Compliance & regulatory: CKYC, DRT limits, RBI notifications, and PSL guidelines.
- Numerical repetition: Capital gains, LTV, RTGS/NEFT processing, TDS, and FD interest rates are often repeated.
What is the JAIIB RBWM syllabus 2026?
The JAIIB RBWM Syllabus is divided into four main modules that encompasses the essentials of Retail Banking and Wealth Management. Each section provides a thorough understanding of the fundamentals and is designed to enhance practical knowledge for banking professionals.
- Retail Banking Fundamentals
- Wealth Management Basics
- Banking Products and Services
- Regulations and Compliance
Also Check,
FAQs
Payments, loans, KYC, RBI guidelines, and portfolio management are common.
Yes, applied calculations like loan limits, interest, and capital gains are frequently tested.
Yes, many questions present practical banking scenarios to solve.
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