JAIIB Principles & Practices of Banking (PPB) Syllabus 2026
Indian Institute of Banking and Finance (IIBF)
JAIIB Principles & Practices of Banking (PPB) Syllabus 2026 — Quick Summary
The JAIIB Principles and Practices of Banking (PPB) syllabus 2026 covers banking fundamentals, banker-customer relationships, negotiable instruments, KYC and AML norms, payment systems, lending and credit appraisal, NPA management, and digital banking. IIBF sets the syllabus, and candidates should check the latest official version before starting preparation.
Key Facts at a Glance
Exam Name
JAIIB Principles and Practices of Banking (PPB)
Conducting Body
Indian Institute of Banking and Finance (IIBF)
Exam Mode
Online
Key Subjects
Banking Fundamentals and Regulation, Lending and Credit Management, Payments, Digital Banking and Customer Service
How to Use This Syllabus
Visit the official IIBF website and open the JAIIB section.
Download the latest PPB syllabus PDF and note all three modules.
Compare each topic with IIBF study material and mark your weak areas.
Create a weekly plan giving more time to lending and regulation topics.
Practise module-wise questions after completing each topic.
Take full-length timed mock tests during the final month before the exam.
Review every wrong answer and revisit the related syllabus topic.
JAIIB PPB Syllabus 2026: Overview
The Indian Institute of Banking and Finance (IIBF) conducts the Junior Associate of the Indian Institute of Bankers (JAIIB) examination. Principles and Practices of Banking (PPB) is one of the four papers in the JAIIB programme. JAIIB is a professional certification for bank employees and aspirants, not a recruitment exam, so it does not have a fixed number of vacancies. Its importance lies in building core banking knowledge that supports career growth, promotions, and internal banking roles.
The exam is held several times a year under IIBF's notified schedule, and candidates can register for individual papers. The PPB paper is conducted in an online, objective (multiple choice) format.
JAIIB Exam Pattern
| Stage | Paper | Subject | Questions | Marks | Duration | Negative Marking |
|---|---|---|---|---|---|---|
| Written (Objective) | Paper 1 | Indian Economy and Indian Financial System (IE and IFS) | 100 | 100 | 2 hours | As per IIBF notice |
| Written (Objective) | Paper 2 | Principles and Practices of Banking (PPB) | 100 | 100 | 2 hours | As per IIBF notice |
| Written (Objective) | Paper 3 | Accounting and Financial Management for Bankers (AFM) | 100 | 100 | 2 hours | As per IIBF notice |
| Written (Objective) | Paper 4 | Retail Banking and Wealth Management (RBWM) | 100 | 100 | 2 hours | As per IIBF notice |
Candidates should confirm the marking scheme and passing criteria in the latest IIBF notification before the exam.
Detailed PPB Syllabus
Module A: Banking Fundamentals and Regulation
- Introduction to banking, functions of commercial banks, and banking structure in India
- Banking Regulation Act, RBI role, and regulatory framework
- Banker and customer relationship, including general and special relationships
- Types of deposit accounts, opening and operating accounts, and nomination
- Negotiable instruments: cheques, promissory notes, bills of exchange, and their crossing and endorsement
- KYC norms, Prevention of Money Laundering Act, and AML compliance
Module B: Lending and Credit Management
- Principles of lending, credit appraisal, and loan assessment
- Types of advances: secured, unsecured, cash credit, overdraft, term loans, and working capital
- Priority sector lending and government-sponsored schemes
- Loan documentation, securities, and charge creation
- Non-performing assets (NPA): classification, provisioning, and recovery mechanisms
- Basel norms, capital adequacy, and risk-weighted assets
Module C: Payments, Digital Banking and Customer Service
- Payment and settlement systems: NEFT, RTGS, IMPS, UPI, and cheque clearing
- Electronic banking, internet banking, mobile banking, and card products
- Financial inclusion, Jan Dhan accounts, and banking correspondents
- Customer service, grievance redressal, and Banking Ombudsman scheme
- Fintech developments, cyber security basics, and digital fraud prevention
Previous Year Cut-off Trends
JAIIB does not publish category-wise cut-offs like recruitment exams. Candidates generally need at least 50 percent marks in each paper and an overall qualifying standard set by IIBF. Candidates should check the latest IIBF circular for current passing criteria.
Recommended Books
- IIBF Study Material: Official JAIIB PPB study notes, the most reliable base for the syllabus
- Banking Theory, Law and Practice by K.P.M. Sundharam and P.N. Varshney (Sultan Chand)
- Banking Law and Practice by S.N. Maheshwari and S.K. Maheshwari (Kalyani Publishers)
- Current banking updates: RBI circulars and IIBF-published monthly updates for recent changes
Preparation Strategy
Most candidates need 3 to 4 months of preparation, depending on their banking background. Plan for 2 to 3 hours of study on weekdays and 4 to 5 hours on weekends.
- Priority topics: Negotiable instruments, lending principles, NPA management, KYC and AML, and payment systems carry high weightage.
- Month 1: Complete Module A and make short notes on regulations and account types.
- Month 2: Cover Module B, focusing on credit appraisal, advances, and Basel norms.
- Month 3: Study Module C and revise digital banking and customer service topics.
- Month 4: Take one mock test each week, analyse results, and revise weak areas daily.
Common Mistakes to Avoid
- Ignoring recent RBI updates: Banking rules change often. Check RBI circulars regularly.
- Memorising without understanding: Focus on concepts such as the banker-customer relationship and the logic behind NPA provisioning.
- Skipping mock tests: Timed practice builds speed and exposes gaps in knowledge.
- Confusing similar terms: Keep separate notes for crossing and endorsement, or for secured and unsecured advances.
- Using outdated material: Always verify the syllabus and notes against the latest IIBF version.
Frequently Asked Questions — JAIIB Principles & Practices of Banking (PPB) Syllabus 2026
The PPB syllabus covers banking fundamentals and regulation, lending and credit management, and payments, digital banking and customer service. Key topics include negotiable instruments, KYC and AML norms, types of advances, NPA management, NEFT, RTGS, UPI, and the Banking Ombudsman scheme.
PPB is an online, objective (multiple choice) paper with 100 questions for 100 marks, to be completed in 2 hours. It is one of four JAIIB papers. Candidates should confirm the latest format in the IIBF notification.
Negative marking depends on the current IIBF notification for the exam session. Candidates should check the official notice or information brochure before the exam to confirm the marking scheme.
JAIIB is a certification programme, not a recruitment exam, so it has no multi-stage selection process such as interviews or document verification. PPB is a single written objective paper, and candidates must pass it as part of the JAIIB certification.