PPB Important Topics Module-Wise for JAIIB 2026 — What to Study First
Module-wise breakdown of Principles & Practices of Banking (PPB) with topic weightage, must-study topics, and recommended preparation order for JAIIB 2026.
PPB is often called the most scoring JAIIB paper because it tests practical banking knowledge. Most topics are things you deal with daily at the branch. Here's what to prioritize in each module.
Module A — General Banking Operations (25-30%)
Must-Study Topics
KYC & AML Norms ⭐⭐⭐
V-CIP, periodic update timelines, CTR (₹10 lakh), STR, beneficial ownership
Negotiable Instruments Act ⭐⭐⭐
Section 13 (definition), types of crossing, dishonour of cheque (Section 138), holder in due course
Types of Accounts ⭐⭐
Savings, Current, FD, RD. Minor accounts, joint accounts, NRI accounts (NRE/NRO/FCNR)
Nomination & Succession ⭐⭐
Section 45ZA-ZF of BR Act, nomination rules, succession certificate requirements
Module B — Functions of Banks (25-30%)
Must-Study Topics
NPA Classification (IRAC) ⭐⭐⭐
SMA-0/1/2 timeline, NPA → Doubtful → Loss, provisioning norms, agricultural NPA (2 crop seasons)
SARFAESI Act 2002 ⭐⭐⭐
₹1 lakh threshold, 60-day notice, Section 13(2) notice, DRT vs SARFAESI, secured creditor rights
Priority Sector Lending ⭐⭐⭐
40% ANBC target, sub-targets (agriculture 18%, micro 7.5%, weaker 12%), PSL certificates (PSLC)
Credit Appraisal ⭐⭐
5 Cs of credit, MPBF (Tandon Committee), turnover method, credit rating
Module C — Banking Technology (20-25%)
Must-Study Topics
Payment Systems ⭐⭐⭐
NEFT (24x7), RTGS (min ₹2L, 24x7), UPI (limits by category), IMPS, CTS, e-RUPI, CBDC
Digital Lending Guidelines ⭐⭐⭐
LSP rules, Key Fact Statement, cooling-off period, APR disclosure, data privacy
Cyber Security ⭐⭐
Phishing, vishing, ransomware, zero-liability policy, RBI cyber security framework for banks
CBS & Internet Banking ⭐⭐
Core Banking Solution features, SWIFT, SFMS, digital signature, two-factor authentication
Module D — Ethics in Banking (15-20%)
Must-Study Topics
Integrated Ombudsman Scheme ⭐⭐⭐
Replaced 3 schemes in 2021, complaint within 1 year, 30-day resolution, compensation up to ₹20 lakh
Banking Codes & BCSBI ⭐⭐
Code of Bank's Commitment to Customers, Fair Practice Code for lenders, grievance redressal mechanism
Corporate Governance ⭐⭐
Board composition, role of audit committee, compliance officer duties, whistle-blower policy
PMLA & Anti-Money Laundering ⭐⭐
CTR (₹10L/month), STR (7 days), record keeping (5 years), Principal Officer, wire transfer rules
Recommended Study Order for PPB
- Module B first — NPA, SARFAESI, PSL are the highest-weightage topics (and most predictable)
- Module A next — KYC and NI Act are fact-heavy but very scoring once memorized
- Module C — Payment systems questions are increasing every year. Know UPI limits cold.
- Module D last — Lowest weightage, but Ombudsman scheme is almost guaranteed
Pro Tips for PPB
- Statement-based questions dominate: "Which of the following statements are correct? I, II, III, IV" — know exact thresholds and timelines
- Recent circulars matter: Digital Lending Guidelines (2022/2024) and KYC updates are heavily tested
- Section numbers are asked: Know at minimum — NI Act Section 13, 138; BR Act Section 5, 6, 21, 35A; SARFAESI Section 13(2)
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