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JAIIB RBWM Unit 30 — Valuation of Real Property: Free MCQs with Explanations

By Swarnakshi Jha (ex-banker) · Updated 20 September 2026 · Paper 4 of the November 2026 cycle (29 November 2026)

This page is a free slice of our JAIIB RBWM question bank for Unit 30 — Valuation of Real Property (Home Loans). The Mock Centre holds 71 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.

RBWM · Home Loans71 MCQs in the Mock Centre5 free belowPaper on 29 November 2026

Key facts examiners test from this unit

  1. Trio: COST (past spend) vs PRICE (cost + profit) vs VALUE (assessed worth); value needs utility + scarcity + demand + TRANSFERABILITY; valuers = engineers/architects (Wealth Tax Act 34AB registration; Institution of Valuers); opinions differ due to data gaps.
  2. Agri-land: income capitalisation (YP; perpetuity YP = 1/i) or sales statistics; usage ladder — commercial > industrial/residential > agricultural.
  3. Urban land: FSI = built-up ÷ land area; available FSI = permissible − utilized; comparative method most popular; belting for deep plots; development for potential; guideline values for stamp/property/wealth tax; Vastu — North/East premium; composite rate = land + structure.

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 most popular open-land valuation method (recent local sales):
Why (b): The most popular open-land valuation method is THE COMPARATIVE METHOD — recent local sales of similar plots, adjusted for differences.
Question 2 of 5
Building life normally runs:
Why (b): Building life normally runs 40 TO 80 YEARS — the span within which structures serve before economic death.
Question 3 of 5
RML eligibility age:
Why (c): RML eligibility: house-owning Indian citizens ABOVE 60 YEARS — the scheme converts the elderly's home equity into income.
Question 4 of 5
Real property commands value only when it has:
Why (a): The four value attributes: it must be useful, not abundant, wanted, and legally transferable to a purchaser.
Question 5 of 5
Valuers are registered by the Income-tax Department under:
Why (a): Sec 34AB registration (category-wise: immovable property, agricultural land, plant & machinery, jewellery) is the statutory credential; the Institution of Valuers, Delhi is the professional body banks additionally respect.
0 of 5 answered.

Traps in this unit

Confusable AConfusable BThe difference
CostPricePast spend vs cost + profit
PriceValueProducer's figure vs assessed worth
Practise all 71 questions on Unit 30. The free demo opens a slice of every subject with the same explanations; the RBWM Online-only pass unlocks all 1,912 RBWM 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.