Master JAIIB & CAIIB Exams

AI-powered practice sets with expert explanations and personalized learning paths. Join thousands of successful candidates.

✓ No credit card required • ✓ Free access to 3000+ questions

3000+

Practice Questions

4

JAIIB Papers

3000+

Practice Questions

Free

Forever

Why Choose Us?

Everything you need to ace your banking exams

🎯

Adaptive Learning

💡

Expert Explanations

📈

Performance Tracking

⏱️

Timed Practice

📱

Mobile Friendly

🏆

Proven Results

See AI Explanations in Action

Not just answers — deep understanding with official references

PPB • Question 14 of 100⏱ 1:23 remaining

As per RBI guidelines, what is the maximum period for which a bank can classify a restructured advance as a "standard asset" after the restructuring date?

A6 months
B12 months✗ Your answer
C1 year from the date of first payment of interest/principal✓ Correct
D2 years
🤖AI Explanation

Why Option C is Correct

A restructured account is classified as a standard asset only if it demonstrates satisfactory performance for 1 year from the date of first payment of interest or principal (whichever is later) after the restructuring. This is known as the "specified period" under RBI's prudential framework.

Why Option B is Wrong

12 months is a common misconception. The period is not a fixed calendar duration — it starts from the first payment date post-restructuring, not from the restructuring date itself.

📖 Official References

  • RBI Master Circular — Prudential Norms on Income Recognition, Asset Classification and Provisioning (DOR.STR.REC.55/21.04.048/2023-24), Para 10.3.2
  • IIBF PPB Textbook — Chapter 12: "Credit Management", Section 12.7 (Restructuring of Advances), Page 287
  • RBI Framework — Resolution of Stressed Assets (June 7, 2019), Clause 17

💡 Exam Tip

IIBF frequently tests the distinction between "restructuring date" vs "first payment date" — always remember the clock starts at first payment, not at approval.

Every question comes with detailed AI explanations citing official RBI circulars, IIBF textbooks, and relevant Acts

Exam Papers Covered

Comprehensive practice for all JAIIB & CAIIB papers

JJAIIB — Compulsory Papers

IE & IFS

Indian Economy & Indian Financial System

  • ✓ 250+ practice questions
  • ✓ Topic-wise breakdown
  • ✓ Previous year papers

PPB

Principles & Practices of Banking

  • ✓ 250+ practice questions
  • ✓ Topic-wise breakdown
  • ✓ Previous year papers

AFM

Accounting & Financial Management for Bankers

  • ✓ 250+ practice questions
  • ✓ Topic-wise breakdown
  • ✓ Previous year papers

RBWM

Retail Banking & Wealth Management

  • ✓ 250+ practice questions
  • ✓ Topic-wise breakdown
  • ✓ Previous year papers

CCAIIB — Compulsory Papers

ABM

Advanced Bank Management

  • ✓ Economic analysis & credit management
  • ✓ NPA & risk management
  • ✓ Organizational behaviour

BFM

Bank Financial Management

  • ✓ Treasury & international banking
  • ✓ Risk management & Basel norms
  • ✓ Balance sheet management

ABF

Advanced Business & Financial Management

  • ✓ Corporate finance & project appraisal
  • ✓ Financial services & fintech
  • ✓ Strategic management

BRBL

Banking Regulations & Business Laws

  • ✓ Banking Regulation Act & RBI Act
  • ✓ Contract Act & NI Act
  • ✓ Consumer protection & cyber laws

Popular Electives

RBCB

Retail Banking & Consumer Banking

CRCM

Credit Management

ITK

Information Technology & Digital Banking

RISKM

Risk Management

CBBO

Central Banking & Business Operations

HRM

Human Resource Management

CAIIB content coming soon — sign up to get notified when it launches.

What Students Say

Real success stories from our users

"The AI explanations helped me understand complex concepts easily. Scored 85% in my first attempt!"

Rajesh Kumar

JAIIB Passed

"Best platform for exam prep. The adaptive learning feature really helped me focus on weak areas."

Priya Singh

CAIIB Passed

"Comprehensive question bank and excellent explanations. Highly recommended for all banking aspirants."

Amit Patel

JAIIB Passed

Ready to Ace Your Exam?

Join thousands of successful candidates. Start your free trial today!