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JAIIB PPB Unit 44 — Alternate Delivery Channels — Digital Banking: Free MCQs with Explanations

By Swarnakshi Jha (ex-banker) · Updated 20 September 2026 · Paper 2 of the November 2026 cycle (22 November 2026)

This page is a free slice of our JAIIB PPB question bank for Unit 44 — Alternate Delivery Channels — Digital Banking (Module C — Banking Technology). The Mock Centre holds 62 questions on this unit alone, every one with a why-right / why-wrong explanation; below are the facts examiners keep returning to, five of those questions to try, and the traps that cost marks.

PPB · Module C62 MCQs in the Mock Centre5 free belowPaper on 22 November 2026

Key facts examiners test from this unit

  1. ATMs recommended by Rangarajan Committee; SWADHAN (first SPNS) 1-2-1997; NFS to NPCI 14-12-2009; offline ATM = pre-fixed limit, no database link.
  2. ATM family: CD (withdraw-only), CDM/BNA (deposit; 200 mixed notes; RBI subsidy 50% urban/ 75% semi-urban), recycler (deposit→dispense; cardless ₹20,000/day), PBK (mag-strip passbooks), micro-ATM (BC handheld); no-PAN CDM deposit ₹49,950/day.
  3. WLA: non-bank owned, no bank brand, 4 operators (1-1-2022), 5-free rule NOT applicable, charges on screen; BLA: provider owns machine, SPONSOR BANK does cash + connectivity.
Law update, September 2026. Successor: the Responsible Business Conduct (Third Amendment) Directions of 24 June 2026, effective 1 January 2027, rewrite these criteria (5 calendar days, bank to prove negligence, 45-day resolution).

5 free practice questions — tap an option

Five basic questions from this unit. Answers lock on the first tap, exactly as in the exam, and a short explanation opens underneath. The Mock Centre adds the moderate and tough questions, why every other option is wrong, the concept capsule and the exam tip — with your score and revision dates tracked.

Question 1 of 5
The majority of Indian ATMs are networked through the:
Why (b): The majority of Indian ATMs are networked through the NATIONAL FINANCIAL SWITCH (NFS) — NPCI's national ATM interconnection.
Question 2 of 5
A DEBIT card differs from a credit card in that:
Why (a): A DEBIT card DEBITS FUNDS IMMEDIATELY — pay-now against your own balance; the credit card is pay-later.
Question 3 of 5
From the bank's viewpoint, ATM advantages include:
Why (d): ATM advantages for the bank are ALL OF THE ABOVE — extended hours, avoided cash handling, and a cheaper alternative to new branches.
Question 4 of 5
A debit card offers:
Why (c): A debit card offers INSTANT RECOVERY of the amount — immediate account debit, no credit at all.
Question 5 of 5
An OFF-SITE ATM is one located:
Why (b): An OFF-SITE ATM is located AWAY FROM ANY BRANCH premises — on-site sits within or attached to a branch, the pair.
0 of 5 answered.

Traps in this unit

Confusable AConfusable BThe difference
White labelBrown labelNon-bank owns & runs vs bank runs cash/network
CDCDM/BNADispense-only vs deposit-taking
Practise all 62 questions on Unit 44. The free demo opens a slice of every subject with the same explanations; the PPB Online-only pass unlocks all 3,280 PPB questions, the full and module mocks, Smart Revision and the Readiness Score for one year (₹1,299). Not sure where you stand? Take the free 10-question test first.
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Independent study aid — not affiliated with, endorsed by, or sponsored by the Indian Institute of Banking & Finance (IIBF). Exam pattern, dates, fees and passing criteria are set by IIBF — always confirm the current rules at iibf.org.in. Regulatory figures verified as of September 2026; verify from official sources before relying on them in practice.