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JAIIB PPB Unit 45 — Data Communication Network & EFT Systems: Free MCQs with Explanations

By Swarnakshi Jha (ex-banker) · Updated 2 November 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 45 — Data Communication Network & EFT Systems (Module C — Banking Technology). The Mock Centre holds 55 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 C55 MCQs in the Mock Centre5 free belowPaper on 22 November 2026

Key facts examiners test from this unit

  1. Media: twisted pair (two insulated wires, ~150 m), coaxial (inner conductor + spacers), fibre (2 Gbps), microwave (antenna beams + relays), geostationary satellites (speed = earth's rotation).
  2. Modes: simplex (one-way), half-duplex (walkie-talkie), full-duplex; devices — modem (both modulate & demodulate), MUX (many signals/one channel), FEP (off-loads host communication).
  3. Networks: BANKNET (RBI, Nagpur, X.25 packet-switched; MTU 400 users/node; RBI Net rides on it), NICNET (NIC 1976), INFINET (Saraf Committee, Hyderabad/IDRBT, now IFTAS — Feb 2015); SFMS = domestic secure messaging.
Law update, November 2026. Limits from 15 September 2025: ₹1 lakh a day for P2P; up to ₹5 lakh per transaction for specified merchant categories. From 17 August 2026 the Government notifies which payment modes are free of MDR; its notification of 14 September 2026 keeps RuPay debit cards and UPI payments up to ₹2,000 charge-free.

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
A MODEM's function is to:
Why (b): A MODEM MODULATES AND DEMODULATES signals — the digital-to-analogue bridge across telephone lines, in both directions.
Question 2 of 5
The minimum amount for RTGS customer transactions is:
Why (d): The minimum amount for RTGS customer transactions is ₹2 LAKH — the large-value floor, with no ceiling.
Question 3 of 5
Twisted-pair cable is made of:
Why (a): Twisted-pair cable is TWO INSULATED COPPER WIRES TWISTED TOGETHER — the twist reduces interference; the spacer construction is coaxial.
Question 4 of 5
Which of these payment systems is NOT operated by NPCI?
Why (d): NPCI operates UPI, IMPS, NACH, RuPay, AePS and other retail systems; RTGS and NEFT are owned and operated by RBI.
Question 5 of 5
NEFT transactions have:
Why (b): NEFT has no minimum or maximum amount, unlike RTGS with its ₹2 lakh floor.
0 of 5 answered.

Traps in this unit

Confusable AConfusable BThe difference
Twisted pairCoaxialTwo twisted wires vs cored-and-shielded
SimplexHalf-duplexOne-way ever vs one-way at a time
Practise all 55 questions on Unit 45. The free demo opens a slice of every subject with the same explanations; the PPB Online-only pass unlocks all 3,200+ PPB questions, the full and module mocks, Smart Revision and the Readiness Score for 18 months (₹1,299). Not sure where you stand? Sit the free 120-question mock first (all four papers, questions drawn from pages like this one, real exam screen).
Take the free mock Open the free demo

← Unit 44: Alternate Delivery Channels — Digital Banking · Unit 46: Digital Payment Systems — NPCI → · All PPB units · JAIIB 2026 guide

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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 November 2026; verify from official sources before relying on them in practice.