JAIIB PPB Syllabus 2026 - IIBF

JAIIB PPB Syllabus 2026 - IIBF

Recruitment Overview

Exam Pattern

Subject-wise Syllabus

Module A: General Banking Operations

• Banker-Customer Relationship — Requirements to be called a bank; banker-customer relationship; bank as a trustee; bailee-bailor relationship; agent-principal relationship; lessor and lessee; indemnifier and indemnified; different deposit products/services; services to customers and investors
• AML-KYC Guidelines — Money laundering and financing of terrorism risks; Anti-Money Laundering (AML) framework in India; Know Your Customer (KYC) policy; organisational set-up for AML; obligations under PMLA; risk management; international obligations; FATF-identified jurisdictions; correspondent banking; reporting under FATCA/CRS; secrecy obligations
• Operational Aspects of KYC — KYC norms; wire transfers; other operational regulations; Central KYC Records Registry (CKYCR); monitoring of transactions
• Opening of Accounts — Personal accounts; accounts of other customers; norms for opening current accounts; obtaining photographs of account holders; Legal Entity Identifier (LEI)
• Operational Aspects of Deposit Accounts — Salient features of deposit accounts; interest on deposit accounts; prohibitions and exemptions; inoperative accounts and unclaimed deposits; joint account operations; nomination facility; attachment orders; submission of records to statutory authorities
• Clearing, Collection & Cash Handling — Cheque Truncation System (CTS); RBI guidelines on collection of instruments; cash handling and custody; security arrangements at branches and ATMs
• Banker's Special Relationship — Mandate; Power of Attorney (POA); banker's lien; right of set-off; right of appropriation
• Foreign Exchange Remittance Facilities — Evolution of FEMA; definitions; bringing in/taking out foreign exchange; inward and outward remittances; Indo-Nepal remittance scheme
• Operational Aspects of NRI Business — Accounts permitted for NRIs and PIOs; accounts of foreign nationals visiting India; Special Non-Resident Rupee (SNRR) account; remittance of assets; property transactions by NRIs; investments by NRIs/PIOs
• Foreign Currency Accounts — Types of foreign currency accounts; accounts in India and outside India; remittance of assets by foreign nationals; Foreign Contribution (Regulation) Act, 2010
• Cash Management Services (CMS) — Developments in CMS; importance of CMS; types of cash management services; challenges and issues
• Negotiable Instruments — Negotiable Instruments Act; payment of cheques; payment in due course; endorsement and crossing of cheques; forged instruments; dishonour of cheques; Cheque Truncation System
• Responsibility of Paying Bank — Liability under the Negotiable Instruments Act; forged signatures; payment in due course/good faith; payment under mistake; cheque truncation
• Responsibility of Collecting Bank — Statutory protection to the collecting bank; duties of the collecting bank
• Ancillary Services — Demand Drafts (DD) and Banker's Cheques (BC); Mail Transfer and Telegraphic Transfer; NEFT; RTGS; Electronic Benefit Transfer; mobile and digital banking; safe deposit lockers; merchant banking; government business
• Financial Inclusion & Literacy — Extension of banking services; use of digital tools; financial literacy initiatives; Rural Self Employment Training Institutes (RSETI)
• Customer Service Guidelines — Customer service in banks; branch management policies; ATM operations; security and risk mitigation; counter services; special customer facilities
• Grievance Redressal & Legal Framework — Model Grievance Redressal Policy; RBI Integrated Ombudsman Scheme, 2021; Consumer Protection Act, 2019; Right to Information Act, 2005

Module B: Functions of Banks

• Principles of Lending & Credit Facilities — Principles of lending; types of borrowers; types of credit facilities; fund-based working capital facilities; term loans and demand loans; non-fund based facilities
• Appraisal and Assessment of Credit Facilities — Credit appraisal and appraisal techniques; methods of loan assessment; assessment of working capital and term loans
• Operational Aspects of Loan Accounts — Interest rates on loans; credit management and monitoring; loan processing and sanction procedure; accounting aspects of loan products; recovery agents guidelines; Fair Practices Code for lenders
• Types of Collaterals and Securities — Effectiveness of securities; secured and unsecured loans; land and buildings; goods and documents of title; advances against life insurance, shares, debentures, book debts, term deposits; gold loans; supply bills and vehicle finance
• Modes of Charging Securities — Meaning and essentials of a contract; contract of agency; contract of bailment; types of charges; registration of charges
• Documentation — Types of loan documents; documentation procedure
• Non-Performing Assets (NPA) / Stressed Assets — Definition of NPAs; income recognition norms; gross and net NPA; asset classification; provisioning norms; writing off NPAs; resolution and restructuring of stressed assets
• Laws Relating to Recovery of Dues — Recovery of Debts and Bankruptcy Act, 1993; SARFAESI Act; Insolvency and Bankruptcy Code (IBC); Legal Services Authorities Act; Law of Limitation
• Contracts of Indemnity — Definition of contract of indemnity; difference between indemnity and guarantee; rights of indemnity holder; implied indemnity; application of indemnity in banking
• Contracts of Guarantee & Bank Guarantee — Parties to the contract; liability of surety; continuing guarantee; revocation and discharge of surety; rights of surety; types of bank guarantees; precautions in issuance and payment
• Letters of Credit (LC) — Meaning and parties to an LC; types of letters of credit; documents under LC; UCPDC 600; bank's obligations under LC
• Deferred Payment Guarantee (DPG) — Purpose of deferred payment guarantee; method of payment
• Bills Finance — Classes of bills; laws governing bills; types of bill finance; legal position of banker in bill finance
• Retail Loans & Credit Cards — Credit cards; home loans; personal loans; consumer loans
• Priority Sector Advances — Applicability of priority sector lending; targets and sub-targets; categories under priority sector; non-achievement of targets
• Agricultural Finance — Short-term and long-term loans; crop loans; Kisan Credit Card (KCC) scheme; Minimum Support Price scheme; Pradhan Mantri Fasal Bima Yojana (PMFBY)
• Finance to MFIs & NBFCs — Bank finance to NBFCs; on-lending by NBFCs; NBFC-MFI model; co-lending to priority sector; Scale-Based Regulation (SBR) framework
• Micro, Small and Medium Enterprises (MSME) — MSME Development Act; credit support to MSMEs; delayed payment provisions; Trade Receivables Discounting System (TReDS); Credit Guarantee Fund Scheme; cluster-based financing
• Government Sponsored Schemes — DAY-NRLM; DAY-NULM; Pradhan Mantri Jan Dhan Yojana (PMJDY); MUDRA loans; Khadi and Village Industries Commission (KVIC)
• Self-Help Groups (SHG) — Definition and need of SHGs; formation of SHGs; SHGs under DAY-NRLM/DAY-NULM; SHG-Bank Linkage Programme

Module C: Banking Technology

• Essentials of Bank Computerisation — Bank computerisation; networking technologies in banks; Uninterrupted Power System (UPS); Core Banking System (CBS); data warehousing; data mining
• Operational Aspects of CBS Environment — Functions performed by CBS; flow and accounting of transactions in CBS; Begin of Day/End of Day operations; password control; logical access control; security controls in CBS
• Alternate Delivery Channels - Digital Banking — ATMs; electromagnetic cards; electronic banking; customer protection in unauthorised electronic transactions; Turn Around Time (TAT) harmonisation; customer compensation for failed transactions
• Data Communication Network & EFT Systems — Data communication networks; major networks in India; evolution of Electronic Funds Transfer (EFT) systems; SWIFT; automated clearing systems; two-level funds transfer system
• Digital Payment Systems - NPCI — Electronic clearing systems in India; National Payments Corporation of India (NPCI); digital payment initiatives by the Government of India
• Impact of Technology Adoption in Banking — Trends in technology development; role of technology upgradation; global trends in banking systems; impact of IT on banks
• Security Considerations & Mitigation Measures — Risk concern areas in banks; types of cyber threats; computer audit; Information System Audit (IS Audit); online fraud modus operandi; cyber security awareness; Disaster Recovery Management objectives; Information Technology Act; RBI Integrated Ombudsman Scheme, 2021
• Operational Aspects of Cyber Crime & Fraud Risk Management — Difference between fraud and crime; phases of an effective incident response plan
• Technology Trends in Banking — e-RUPI; FinTech; RegTech; SupTech
• Advanced Digital Banking Concepts — e-RUPI; FinTech/RegTech/SupTech; social media banking; hashtag banking; account aggregators; open banking

Module D: Ethics in Banks and Financial Institutions

• Ethics, Business Ethics & Banking: An Integrated Perspective — Values and ethics; business ethics - definition, principles and practice; ethical foundation of banking; global financial crisis; Enron and Satyam case studies
• Ethics at the Individual Level — Values, norms, beliefs and their role; core values; morality and personal values; the Golden Rule; ethical dilemmas and decision-making framework
• Ethical Dimensions: Employees — Abuse of official position; insider trading; obligations to third parties; job discrimination; sexual harassment; conflict of interest; HRM ethics; employees as ethics ambassadors
• Work Ethics and the Workplace — What is work ethics; benefits of ethical behaviour at the workplace; unethical behaviours - causes and remedies; ethics of a banker; whistleblowing in banks and whistleblowing law in India
• Banking Ethics: Changing Dynamics — Ethics and technology; data security and privacy; intellectual property rights; patents and proprietary rights; ethics of information security

How to Download Syllabus

1. Visit the official IIBF website at https://www.iibf.org.in.
2. Navigate to the JAIIB section on the homepage.
3. Look for the Syllabus or Study Material tab under the JAIIB exam category.
4. Select Principles & Practices of Banking (PPB) from the list of papers.
5. Click the download link to save the PDF syllabus to your device for offline reference.

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