Dear candidates, the JAIIB exam cycle for November is yet to begin. To register for this exam, applicants must submit their applications by 7th August 2025 without incurring any additional charges. Between 7th August 2025 and 14th August 2025, applicants will be required to pay an additional fee of Rs. 100, and from 15th to 21st August 2025, the extra charge will rise to Rs. 200 in addition to the normal exam fees. JAIIB stands for Junior Associate of the Indian Institute of Bankers. Those who pass these exams will receive a promotion within the banking industry. This exam is held biannually. The May cycle for this year has already concluded. Candidates will receive their results immediately after finishing this exam. JAIIB is one of the certification programs organised by the Indian Institute of Banking & Finance (IIBF). To earn the JAIIB certification, candidates must pass four individual papers (IE & IFS, PPB, AFM, and RBWM). Each paper covers a range of topics, including several critical subjects. This page focuses on the JAIIB PPB 2025 Important Topics, providing simple explanations and additional details. For any questions, please refer to the FAQs listed below.

Join JAIIB Foundation Batch Online Coaching 2025

JAIIB PPB Important Topics 2025

Preparing for the JAIIB exam requires a clear understanding of the syllabus and focus on important topics. Below are the important topics related to JAIIB PPB syllabus 2025.

The Syllabus for Paper II - Principles & Practices of Banking (PPB) is:

1. General Banking Operations.

2. Functions of Banks.

3. Banking Technology.

4. Ethics in Banks and Financial Institutions.

Take JAIIB Mock Test

The common topics with PPB are:

1. NPCI Product.

2. Alternate.

3. e-Rupee.

4. NPS/SHG.

5. PMJDY, APY.

6. Mudra Scheme.

7. Suraksha Bhima Yojana, Jeevan Jyoti Bhima Yojana.

1. General Banking Operations

Here is the list of important topics that need to be covered in general banking operations.

A. Types of Accounts (Savings, Current, Term Deposits):

Savings account used for Personal savings and secure storage of money with moderate liquidity. Current Account is used for Business transactions and high-volume banking needs. Term Deposits (Fixed Deposits & Recurring Deposits) are used for earning higher interest on surplus funds by locking them for a fixed period.

B. KYC Norms and Anti-Money Laundering (AML):

KYC (Know Your Customer) Norms are used to verify the identity and address of customers before establishing any financial relationship. AML (Anti-Money Laundering) Regulations are used to detect and prevent the process of converting illegal money into legitimate assets.

C. Credit Management (Types of Loans, Priority Sector Lending):

Credit Management refers to giving loans responsibly and recovering them on time. The types of loans are personal loans, home loans, vehicle loans, business loans, education loans,  agricultural loans, etc. Priority Sector Lending (PSL) is used to ensure that important sectors like agriculture, small businesses, and weaker sections get access to credit.

D. Basics of Risk Management

It is to identify, assess, and reduce risks in banking and financial operations.

2. Banking Technology

The list of important topics that need to be covered in banking technology is listed below.

A. Core Banking Solutions:

Core Banking Solutions is used to allow customers to access their bank accounts and do transactions from any branch or digital channel, not just the home branch.

B. E-Banking and Payment Systems (NEFT, RTGS, UPI):

E-Banking and Payment Systems are used to help customers send and receive money electronically, anytime and anywhere, without visiting the bank with the help of NEFT (National Electronic Funds Transfer), RTGS (Real-Time Gross Settlement), and UPI (Unified Payments Interface).

C. Cybersecurity in Banking:

Cybersecurity in Banking is used to protect customer data, money, and digital banking systems from online threats like hacking, fraud, or malware.

3. Legal Framework

The list of important topics that need to be covered in Legal Framework is listed below.

A. Important Banking Laws (RBI Act, Banking Regulation Act):

Banking laws are important to make sure banks run safely, fairly, and in the public interest, while also helping the economy grow smoothly. The RBI Act, 1934, gives powers to the Reserve Bank of India (RBI) to regulate the banking system. Banking Regulation Act, 1949, regulates banking companies in India.

B. SARFAESI Act and DRT:

SARFAESI (Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest) Act, 2002, helps banks recover bad loans (NPAs) without going to court. DRT (Debt Recovery Tribunal) is a special court to settle loan recovery cases quickly.

C. Ombudsman Scheme:

Ombudsman Scheme allows customers to file complaints against banks easily.

Other Important Topics of PPB

The important topics need to be covered in the second paper of JAIIB PPB are listed below. 

1. Banker-Customer Relationship

2. Operational Aspects of KYC

3. The Right to Information Act, 2005

4. Operational Aspects of Deposit Accounts

5. Banker’s Special Relationship

6. Financial Inclusion and Financial Literacy

7. Grievance Redressal and RBI Integrated Ombudsman Scheme 2021

8. Types of Collaterals and their Characteristics

9. Different modes of charging securities

10. Non-performing Assets/Stressed Assets

11. Important Laws Relating to Recovery of Dues

12. Priority Sector Advances

13. Micro, Small, and Medium Enterprises in India

14. Government Sponsored Schemes

15. Self-Help Groups

16. Essentials of Bank Computerisation

17. Operational Aspects of CBS Environment

18. Alternative Delivery Channels – Digital Banking

19. Data Communication Network and EFT Systems

20. Digital Payment Systems – NPCI

21. Impact of Technology Adoption and Trends in Banking Technology

22. Security Considerations and Mitigation Measures in Banks

23. Operational Aspects of Cyber Crimes/ Fraud Risk Management in Cyber Tech

24. Technology trends in Banking, e-RUPI, Fintech, etc.

25. Negotiable Instruments Act 1881, Sections – 181, 85, 83, etc.

JAIIB Examination 2025 - Important Dates

Here you can check the important dates of the JAIIB examination 2025 (November Cycle).

FAQs

Q: What are the most important topics under Banking Operations for the JAIIB PPB 2025 exam?

The key topics include Types of Bank Accounts (Savings, Current, Term Deposits), KYC Norms, Anti-Money Laundering (AML), Credit Management (Types of Loans, Priority Sector Lending), and Basics of Risk Management.

Q: What areas of banking technology should I focus on for the JAIIB PPB paper?

Important technology-related topics are Core Banking Solutions (CBS), E-Banking and Payment Systems (like NEFT, RTGS, UPI), and Cybersecurity in Banking.

Q: Which laws and legal frameworks are covered in the JAIIB PPB syllabus?

The PPB paper includes the RBI Act, Banking Regulation Act, SARFAESI Act, Debt Recovery Tribunals (DRT), and the Ombudsman Scheme. It also covers laws like the Negotiable Instruments Act, 1881.

Q: Are customer relationships and deposit account operations part of the JAIIB PPB syllabus?

Yes, topics like Banker-Customer Relationship, Operational Aspects of KYC, Operational Aspects of Deposit Accounts, and Banker’s Special Relationship are part of the syllabus.

Q: Does the PPB paper include financial inclusion and government initiatives?

Yes, the syllabus covers Financial Inclusion, Financial Literacy, Government Sponsored Schemes, Self-Help Groups (SHGs), and Micro, Small, and Medium Enterprises (MSMEs) in India.

Q: What cyber and digital banking topics are included in the PPB paper?

The syllabus includes Digital Payment Systems (NPCI), Data Communication Networks, EFT systems, Cyber Crimes, Fraud Risk Management, and Security Considerations in banking technology.