The JAIIB PPB (Principles & Practices of Banking) paper covers the core banking operations, lending practices, banking technology, and ethics. It has four modules: General Banking Operations, Functions of Banks, Banking Technology, and Ethics in Banks & Financial Institutions. This page will cover the JAIIB PPB Important Topics 2026, including topics, important question areas, banking technology, and current developments to help aspirants prioritise revision.

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JAIIB PPB Modules 2026: Four Modules

The JAIIB PPB consists of 4 modules. It is listed below and also include the Important topics for each module.

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JAIIB PPB Important Topics 2026: Module-Wise

The following JAIIB PPB most important topics are fetched from the official 2026 PPB Syllabus to help candidates with revision purposes. These topics are not only enough for preparation but are also based on the official IIBF weightage list. Aspirants must prepare the complete syllabus along with the important areas listed below.

Module A: General Banking Operations

The Module A focuses on the basic relationship between banks and customers, deposit operations, customer service, KYC/AML requirements, and related banking regulations.

• Banker-Customer Relationship

• AML & KYC Guidelines

• Operational Aspects of KYC

• Opening Accounts of Various Types of Customers

• Operational Aspects of Deposit Accounts

• Negotiable Instruments

• Payment and Collection of Cheques

• Customer Service

• Financial Inclusion and Financial Literacy

• Grievance Redressal

• RBI Integrated Ombudsman Scheme

• NRI Accounts

• FEMA

• Banking Laws and Regulations

Module B: Functions of Banks

The Module B covers the major concepts included in bank lending, credit appraisal, working capital, stressed assests, securities and recovery.

• Principles of Lending

• Types of Borrowers

• Types of Credit Facilities

• Fund-Based and Non-Fund-Based Facilities

• Credit Appraisal

• Working Capital

• Term Loans

• Securities and Charges

• Types of Collaterals

• Modes of Charging Securities

• NPA and Stressed Assets

• Recovery of Bank Dues

• SARFAESI

• DRT

• IBC

• Priority Sector Advances

• Agricultural Finance

• MSME Finance

• Government-Sponsored Schemes

• Self-Help Groups

• Financial Inclusion

Module C: Banking Technology

The Module C focuses on the technology used in modern banking and digital payments, including CBS, electronic fund transfers, cybersecurity, and emerging banking technologies.

• Essentials of Bank Computerisation

• Core Banking Solutions

• Operational Aspects of CBS

• Alternative Delivery Channels

• Digital Banking

• Data Communication Networks

• Electronic Funds Transfer Systems

• Digital Payment Systems

• NPCI

• Cyber Crimes

• Fraud Risk Management

• Security Considerations

• Technology Adoption in Banking

• FinTech

• RegTech

• SupTech

• e-RUPI

• Account Aggregators

• Open Banking

• Emerging Technology Trends

Module D: Ethics in Banks & Financial Institutions

The Module D focuses on ethical behaviour, decision making and professional conduct in banking and financial institutions.

• Banking Ethics

• Business Ethics

• Ethical Decision-Making

• Conflict of Interest

• Insider Trading

• Whistleblowing

• Data Privacy

• Information Security

• Workplace Ethics

• Ethical Issues in Banking

Current Banking Topics to Revise for JAIIB PPB 2026

Candidates must stay updated on the latest developments in the banking and financial sector. Current trends beyond the syllabus. Questions may also be based on recent changes in banking regulations, digital banking, payment systems, cybersecurity, financial inclusion, and other important developments. So, active banking employees can revise regularly for the latest banking updates and PPB topics to improve their exam preparation.

• Digital payments

• NPCI products

• e-RUPI

• FinTech

• RegTech

• SupTech

• Cybersecurity

• Digital banking

• Financial inclusion

• KYC/AML updates

• Customer protection

• Lending and recovery developments

• Priority Sector Lending updates

• MSME banking developments

JAIIB Examination 2026 - Important Dates

Here you can check the previous year's important dates for the JAIIB examination 2026 (November Cycle).

FAQs

Q: What are the most Important Topics for JAIIB PPB 2026?

The most important topics include KYC and AML, banker-customer relationship, deposit accounts, lending, credit appraisal, NPA, recovery of bank dues, priority sector lending, digital banking, payment systems, cybersecurity, and banking ethics.

Q: Does JAIIB PPB include digital banking and cybersecurity?

Yes. The 2026 syllabus includes CBS, digital banking, electronic funds transfer, digital payments, cybercrimes, fraud risk management and security considerations.

Q: Which modules carry the highest weightage?

Focus on Module A and Module B, it carries the most marks, approximately 60 to 70.

Q: What are the passing criteria for the PPB paper?

To pass the JAIIB exam, you need to score at least 50 marks out of 100 in each paper. However, if you appear for and clear all four papers in a single attempt, you can qualify with at least 45 marks in an individual paper, provided your overall aggregate score across all four papers is 50% or more.

Q: Is there any official chapter-wise weightage for JAIIB PPB?

No.IIBF does not provide a guarantee of chapter-wise question weightage. Candidates should prepare the complete syllabus and prioritise important topics for revision.

Q: Can I clear PPB by studying only important topics?

It is not recommended. Important topics are useful for prioritising revision, but Aspirants can make sure to prepare the complete PPB syllabus.

Q: Can questions be asked from current banking developments?

Yes. IIBF states that the questions comes from the current banking developments related to the subject can be asked. Aspirants are advised to follow regulatory updates and IIBF publications.