JAIIB PPB study plan

Map the RBI's monetary policy toolkit (repo, reverse repo, CRR, SLR, MSF, bank rate) and state the current direction of each lever without notes

Explain how CRR and SLR changes transmit into credit creation using a worked example with a 1,000 crore deposit base

List the regulators and their mandates (RBI, SEBI, IRDAI, PFRDA, FSDC) and match each to the market segment it supervises

Trace the flow of funds from savers to borrowers through banks, NBFCs, and capital markets, naming two instruments per channel

Define key national income terms (GDP, GNP, NNP, nominal vs real) and compute each from a small dataset

Summarise the RBI Act 1934 and Banking Regulation Act 1949 provisions on licensing, capital, and management control in a two-page note

Compare the functions of commercial banks, cooperative banks, RRBs, and payment banks on deposits, lending, and CRR/SLR applicability

Explain priority sector lending categories and compute the PSL shortfall for a bank with given ANBC and PSL balances

Describe the structure and role of money markets versus capital markets, naming at least four instruments in each

Outline the main financial inclusion schemes and the role of DICGC deposit insurance

Walk through the KYC process end-to-end, including customer due diligence tiers, periodic updation, and beneficial ownership for non-individual accounts

Apply AML/CFT red flags to five short case vignettes and justify whether to file a suspicious transaction report

Explain the banker-customer relationship types (debtor-creditor, trustee, bailee) and the duties and rights of a paying and collecting banker

Distinguish negotiable instruments under the NI Act 1881 and identify the parties, endorsement types, and holder-in-due-course status in given scenarios

Describe the grievance redressal ladder from branch to Banking Ombudsman and state the applicable timelines

Explain the principles of lending (safety, liquidity, profitability, purpose, spread) and apply the 5Cs of credit to two loan proposals

Compute working capital limits using the Tandon Committee method and the Nayak Committee method for a sample borrower

Distinguish types of collateral and charges (pledge, hypothecation, mortgage, lien) and state how each is created and perfected

Read a loan sanction letter and identify the key covenants, margin, and repayment terms

Describe NPA classification norms, provisioning rates, and the main recovery mechanisms available to banks

Journalise 15 common banking transactions (deposits, advances, interest accrual, commission) and post them to ledger accounts

Prepare a trial balance from a given list of ledger balances and locate at least three deliberate errors

Explain the double-entry rules and the accounting concepts (accrual, going concern, prudence, matching) with a banking example each

Classify items as capital or revenue expenditure and show their effect on the profit and loss account and balance sheet

Record depreciation under straight-line and written-down value methods and compare the year-one impact

Prepare a bank's final accounts from a trial balance, including provisions, interest accrued, and transfer to statutory reserves

Compute key ratios (CRAR, NIM, gross and net NPA ratio, return on assets, current ratio) from given financial statements and interpret each

Read a balance sheet and identify off-balance-sheet items, contingent liabilities, and their disclosure requirements

Explain the treatment of bills for collection, acceptances, and letters of credit as off-balance-sheet exposures

Distinguish between cash flow and fund flow statements and state which suits a bank's liquidity analysis

Compute simple and compound interest, including half-yearly and quarterly compounding, for at least 10 problems without a calculator error

Solve time value of money problems using present value and future value of annuities, and apply them to loan EMI and recurring deposit cases

Calculate EMI, amortisation schedule, and the split of interest versus principal for the first six instalments

Compute yield to maturity and bond price for given coupon, maturity, and discount rate scenarios

Apply ratio and proportion, percentage, and average techniques to quick bank exam style numericals under time pressure

Consolidate one-page summary sheets for all four domains, limiting each to the 20 highest-yield facts

Re-attempt every previously wrong question and log the reason for each error as concept gap, calculation slip, or misread

Take two full-length mock tests under exam timing and analyse section-wise accuracy and time allocation

Revise the numerical formulas from domains 3 and 4 in a single formula sheet and verify each against one solved example

Identify the two weakest sub-topics across all mocks and close them with targeted practice