JAIIB Principles & Practices of Banking (PPB) Syllabus and Exam Pattern 2026
Indian Institute of Banking and Finance
Executive Summary & Key Facts
The Indian Institute of Banking and Finance has issued an official recruitment notification for JAIIB Certification, announcing a total of multiple vacancies located in All India. To be eligible, applicants must hold Graduate in any discipline, with category relaxation applicable as per government guidelines. The selection procedure comprises Objective type online examination. For complete guidelines, syllabus breakdown, and official notification PDF, refer to the verified information below on ApplySarkariJob.
📝 JAIIB Certification - Detailed Notification Guide
Overview of JAIIB Principles & Practices of Banking (PPB) 2026
The Principles & Practices of Banking (PPB) is a core paper in the Junior Associate of the Indian Institute of Bankers (JAIIB) certification, conducted by the Indian Institute of Banking and Finance (IIBF). The examination evaluates a candidate's expertise in banking operations, regulatory frameworks, technological integration, and ethical practices within financial institutions.
JAIIB PPB Exam Pattern 2026
The PPB paper follows an objective, computer-based format. There is no negative marking, which allows candidates to attempt all questions. Below is the structure of the exam:
| Details | Information |
|---|---|
| Paper Type | Objective (MCQ) |
| Total Questions | 100 |
| Total Marks | 100 |
| Duration | 2 Hours (120 Minutes) |
| Passing Marks | 50/100 or 45/100 with at least 50% in each module |
Module-wise Syllabus Breakdown
The syllabus is categorized into four primary modules designed to cover the breadth of modern banking.
Module A: General Banking Operations
- Banker-Customer Relationship and Deposit Products
- AML-KYC Guidelines and Operational Aspects
- Opening of Accounts and Account Maintenance
- Clearing, Collection, and Cash Handling
- Foreign Exchange and NRI Business
- Negotiable Instruments and Banking Services
Module B: Functions of Banks
- Principles of Lending and Credit Appraisal
- NPA Management and Recovery Laws (SARFAESI, IBC)
- Bank Guarantees and Letters of Credit
- Retail Loans, Agricultural Finance, and MSME Credit
- Government-Sponsored Schemes and SHGs
Module C: Banking Technology
- Core Banking Systems (CBS) and Data Communication
- Digital Payment Systems and NPCI Initiatives
- Cyber Security and Fraud Risk Management
- Emerging Trends: FinTech, RegTech, and e-RUPI
Module D: Ethics in Banks
- Business Ethics and Individual Values
- Ethical Dimensions in HR and Workplace Conduct
- Professional Ethics in Banking Technology
Effective Preparation Strategies
- Targeted Study: Prioritize modules based on previous year weightage to maximize scoring potential.
- Official Resources: Refer strictly to the study material provided by IIBF for accuracy.
- Analytical Practice: Solve chapter-wise MCQs to test conceptual clarity and focus on rectifying errors after every mock test.
- Mock Examinations: Conduct regular timed tests to improve speed and accuracy under actual exam conditions.