Cracking the JAIIB PPB exam in 2026 is no longer just about memorizing theory. The paper has shifted towards real-life scenarios, case studies, and practical banking operations. Instead of asking simple definitions, it tests whether a banker can handle day-to-day tasks, understand lending rules, and follow legal duties correctly. By focusing on topics that repeat in previous years, candidates can save time, reduce stress, and prepare smarter for high-scoring questions.
Download JAIIB 2025 Previous Year Question Papers PDF
Below, we have provided the JAIIB previous year question papers for 2023, 2024, and 2025. Professionals can download these papers and practice, as each paper comes with the correct answers to all questions.
What are the most repetitive topics in JAIIB 2026 PPB?
Some topics are consistently tested in every cycle. These areas are concept-driven and closely connected to day-to-day banking operations.
| Topic | What is Usually Asked? | Repetition Level |
| Banker–Customer Relationship | Rights, duties, types of relationships | Very High |
| Negotiable Instruments Act, 1881 | Holder, endorsement, crossing, dishonour | Very High |
| Types of Accounts | SB, CA, FD rules, nomination | High |
| Payment & Collection of Cheques | Protection to paying/collecting banker | High |
| KYC & AML Guidelines | Documents, risk category, PMLA basics | High |
| Priority Sector Lending (PSL) | Targets, categories, limits | Moderate–High |
| Financial Inclusion Schemes | PMJDY, DBT basics | Moderate |
| Payment Systems | NEFT, RTGS, UPI features & limits | Moderate |
| Digital Banking & Cyber Security | Fraud types, phishing, security practices | Moderate |
Which topics in banking operations and customer relationships are most repeated?
The PPB exam often tests practical banking operations and customer relationship scenarios. Questions are usually based on real-life situations where a banker must decide actions according to rules and laws. Understanding authority, liability, and account handling is more important than memorizing lines from textbooks.
| Topic Area | Detailed Focus Areas | Why It Matters in Exam |
| Minor Accounts | Definition of a minor, contractual restrictions, opening accounts, liability in partnerships | Case-based questions test legal limitations and protection measures |
| Joint Accounts | Types: Either/Survivor, Former/Survivor, Jointly, Anyone/Survivor; account closure, cheque signing authority | Scenarios often ask who can operate or close the account |
| HUF Accounts | Legal status of Hindu Undivided Family, Karta powers, member liabilities | Tests conceptual clarity about ownership vs management |
| Mandate vs Power of Attorney | Differences, duration, revocation, legal implications | MCQs compare features to check legal understanding |
| Garnishee & Attachment Orders | Handling court orders, freezing accounts, lien priority | Case-based legal questions require correct bank response |
Also, download the JAIIB important MCQs free PDF here:
Which credit and loan product topics appear most in previous year papers?
Credit and lending questions are a major scoring area because they reflect core banking functions. Questions test conceptual clarity, regulatory understanding, and small calculations rather than rote learning.
| Topic Area | Detailed Focus Areas | Why It Matters in Exam |
| Priority Sector Lending (PSL) | Sector-wise targets, sub-targets, housing loan eligibility, RIDF deposits | Multi-statement questions often appear and require deep understanding |
| MSME Classification | Investment and turnover limits, Micro/Small/Medium differences | Direct and scenario-based questions frequently asked |
| NPA Norms | Asset classification, provisioning, agricultural advances | Application-based questions on real lending situations |
| Agricultural Loan Rules | Crop loans, two-harvest rule, seasonal adjustments | Appears in conceptual MCQs and case studies |
| Working Capital Assessment | Tandon Committee second method, Nayak Committee turnover method, basic calculations | Numericals often in tougher shifts |
Also Check: JAIIB PPB Syllabus
Which banking technology topics should you focus on for module C?
Module C may have fewer questions, but they are concept-heavy and practical. The focus is on how technology is applied in real banking processes.
| Topic Area | Detailed Focus Areas | Why It Matters in Exam |
| Network Topologies | Star, Mesh, Ring, Bus; pros, cons, usage in banking | Conceptual questions often repeated |
| Payment Systems | NEFT, RTGS, UPI, IMPS, NFS; features, settlement times, transaction limits | Comparison-based practical questions common |
| Cheque Truncation System (CTS 2010) | Image-based clearing, security, efficiency improvements | CTS-related questions are frequently asked |
| Digital Innovations | Basics of Blockchain, CBDC, banking applications | Increasing focus on emerging technologies |
| Cloud Computing & Security | Data storage, cyber risk management, safety measures | Statement-based questions on digital risks |
Which legal and regulatory topics are frequently tested?
Understanding laws and regulations is essential because questions often describe customer disputes or legal scenarios. Candidates need to identify the correct rule or action.
| Law / Regulation | Focus Areas | Why It Matters in Exam |
| Negotiable Instruments Act | Sections 138 & 85, Holder in Due Course | Directly related to cheque operations |
| Holder in Due Course | Rights, protections, conditions | Tests legal ownership and transferability |
| Banking Ombudsman Scheme | Complaint process, award limits, authority | Appears in customer protection questions |
| Consumer Protection Act | Role of Central Consumer Protection Authority | Conceptual questions on customer rights |
Also Check:
What numericals and case studies dominate recent PPB exams?
Case studies and numericals now dominate the PPB paper, especially in tougher shifts. These require careful reading, logical thinking, and application of rules.
| Case Study / Numerical | Focus Areas | Why It Matters in Exam |
| Operating Cycle Calculations | Inventory, receivable, payable periods, total cycle | Tests financial understanding in practical scenarios |
| Current Ratio & Financial Ratios | Formula application, interpretation | Basic numericals often appear |
| NPA Provisioning | Provisioning percentages by asset category, security value | Practical application of RBI norms |
| Locker Liability Cases | Bank responsibility, compensation limits | High-weightage operational case studies |
| Banker–Customer Relationships | Bailor–Bailee, Lessor–Lessee, Agent–Principal | Identify correct relationship from scenarios |
| Indemnity & Bank Guarantees | Duplicate DDs, indemnity bonds, guarantee types | Application-based operational and legal awareness |
FAQs
It focuses on practical banking operations, lending rules, legal duties, and case-based questions.
Modules A (Banking Operations) and B (Credit & Lending) have the highest weightage.
Yes, recent exams show an increase in case-study and scenario-based questions.
Minor accounts, joint accounts, HUF accounts, mandates, and garnishee orders.
Priority Sector Lending, MSME classification, NPA norms, agricultural loans, and working capital.
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