JAIIB PPB Exam Analysis 2026 Shift 1: Difficulty Level, Good Attempts & Questions Asked

JAIIB PPB Exam Analysis 2026 Shift 1: The Indian Institute of Banking and Finance (IIBF) is the conducting authority of the JAIIB PPB exam. JAIIB PPB Exam Analysis 2026 helps the candidates to get the information related to the difficulty level and good attempts. As per the JAIIB PPB exam review 2026, based on candidates' feedback, the paper level was moderate to difficult. 

JA IIB PPB Key Highlights

• Difficulty Level: Moderate. While the paper was lengthy, most questions were covered in Marathons and MCQ batches.
• Good Attempts: Candidates scoring between 55 and 65 are in a safe position.
• Trend: A heavy shift toward practical banking applications and regulatory timelines rather than just theoretical definitions.

JAIIB PPB Difficulty Level

JAIIB PPB shift 1 analysis provided the paper-level information based on the candidates' review who appeared for the exam. The overall JAIIB PPB Difficulty Level of the paper was moderate to difficult. The paper covered a balanced section of questions that required conceptual knowledge to solve in the exam. Candidates need to work on the concepts to solve the questions asked in the examination. 

JAIIB PPB Good Attempts

JAIIB PPB Good Attempts are the safe attempts done in the paper to qualify for the exam. The information on the JAIIB exam analysis today and good attempts covered based on the candidates' feedback. Therefore, the expected good attempts to achieve a safe score are around 55 to 65 questions. 

Questions Asked In JAIIB PPB Exam

JAIIB PPB memory-based questions have been provided for the candidates' reference. Candidates can check the questions asked in the exam. They can get an idea of the high-priority topics to revise for the exam. All the questions were compiled based on the information received from the candidates who have appeared for the examination. 

1. Numericals & Calculations

• Tandon Committee Methods: Questions on calculating Maximum Permissible Bank Finance (MPBF) using Method I (25% margin on Working Capital Gap) and Method II (25% margin on Total Current Assets).
• Provisioning Norms: Specific percentages for NPA categories:
• Sub-standard: Secured (15%), Unsecured (25%), Unsecured Infrastructure (20%).
• Doubtful (D1, D2, D3): Secured portions at 25%, 40%, and 100%, respectively; 100% for all unsecured portions.
• Loss Assets: 100% provisioning.
• LTV Ratio (Housing Loan): For loans up to ₹30 Lakhs, the LTV is 90% (10% margin).
• DSCR: Debt Service Coverage Ratio formula and calculation.

2. Banking Operations & Laws

• Inoperative Accounts: Criteria for savings/fixed accounts (2 years); crystallisation of foreign currency deposits (3 years).
• Self-Help Groups (SHG): Membership limits for unregistered groups (10–20 members) and loan limits.
• DEAF Account: Transfer of unclaimed funds after 10 years.
• RTI Act 2005: Full form of APIO (Assistant Public Information Officer).
• NI Act Sections: Definition of Check (Section 6), Paying Banker (Section 31), and Collecting Banker (Section 131).
• Demand Drafts: Issuance of duplicate DD within 14 days against an Indemnity Bond.

3. Company & Legal Framework

• Public Limited Company: Minimum members required (7) and maximum (unlimited).
• MOA & AOA: Differences between Memorandum of Association (external constitution) and Articles of Association (internal rules).
• Indemnity vs. Guarantee: Number of parties involved (2 for Indemnity; 3 for Guarantee).
• Money Laundering: Role of the Principal Officer in reporting to the FIU.

4. Technology & Digital Banking

• Topologies: Detailed questions on Mesh Topology (every node connected to every other node) and the advantages of LAN (Local Area Network).
• USSD: The code for mobile banking (*99#).

5. Government Schemes & PSL

• Priority Sector Lending (PSL): Targets for Commercial Banks (40%), RRBs (75%), and Small Finance Banks (60%).
• Social Security: Questions on PMJJBY, PMSBY, and Atal Pension Yojana (APY).

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