Are you preparing for JAIIB or CAIIB and feeling overwhelmed by Module B of RBWM? You’re not alone. With so many complex topics like SARFAESI Act, Loan Eligibility Rules, and Payment Instruments, it’s easy to feel lost.
📚 JAIIB Study Resources 📚
👉 Check Here
👉 Check Here
👉 Check Here
👉 Get Tests Here
👉 Check Here
If you’re a banking professional aiming to clear JAIIB/CAIIB in one go, or a new banker trying to understand how these concepts apply practically — this session is tailor-made for you!
💬 Watch it till the end, engage in the comments, and don’t forget to share it with your colleagues. Let’s crack CAIIB/JAIIB together — concept by concept, question by question.
🎥 👉 Before we dive in, watch this video for a complete breakdown:
⏰ 00:47 – Welcome to Module B of RBWM
- Quick intro and motivation to stay till the end
- Covers case studies, exam pattern, and high-yield topics
📘 02:18 – SARFAESI Act 2002 Simplified
- Allows banks to seize and sell secured assets without court approval
- Not applicable on Agricultural Land
- Minimum Outstanding: ₹1 lakh
- Demand Notice Period: 60 days
- Appeal to DRT: 45 days
- DRAT Pre-deposit: 50% of amount
🏠 15:41 – Home Loan Case Study: Avinash
- Eligibility: Salaried/NRI/PIO
- Loan: ₹64 lakh for ₹80 lakh flat
- Net Take Home Pay: 40%
- Margin: 20%
- Security: Same flat (Primary Security)
- Moratorium: 3 months
- Max Tenure: 30 years
🎓 26:30 – Education Loan Essentials
- No security up to ₹4 lakh
- ₹4–7.5 lakh: Third-party guarantee
- Above ₹7.5 lakh: Collateral + Future Income Assignment
- Moratorium: Course period + 1 year
- Margin Abroad: 15%
- Extension for completion: 2 years
💻 28:29 – Banking Technology Initiatives
- Established by RBI under IDRBT
- Includes: INFINET, SFMS, NFS, Cloud Infra
- NFS Membership Fee: ₹3 lakh (₹6 lakh for sponsor banks)
💳 34:01 – Credit Card Basics & Co-branded Cards
- Pre-approved borrowing facility
- Interest-free period: up to 50 days
- Limit based on income and credit score
- Co-branded cards – issued with brands like IRCTC, Amazon
💰 37:37 – Prepaid Payment Instruments (PPI)
- Closed PPI: Only with issuer (e.g., Amazon Pay)
- Semi-closed PPI: With contracted merchants
- Open PPI: Use anywhere (issued by banks)
- ATM Withdrawal: Not allowed for Semi-closed PPI
🚗 40:17 – Vehicle Loan Case Study: Rajesh
- New Car Margin: 10%
- Security: Hypothecation of vehicle
- Repayment Tenure: Up to 7 years
- No moratorium – EMI starts immediately
👨👩👧 44:40 – Personal Loans at a Glance
- Purpose: Marriage, Renovation, Medical, etc.
- Eligibility: Salaried, Pensioners, Professionals
- No Moratorium
- Repayment: 30–60 EMIs
✅ Conclusion
If you’ve stayed with us till now — congratulations! You just covered some of the most exam-crucial topics for CAIIB/JAIIB RBWM Module B.
From SARFAESI and Home Loans to PPIs and Credit Cards, you now have a stronger grip on both the concepts and their practical application.
🎯 Now it’s your turn — revise what you learned, attempt mock tests, and share this video with others in your preparation circle.
💬 Have a question? Drop it in the comments!
📌 Like, Subscribe & hit the bell icon so you never miss an important class.
📥 Download PDF Notes for This Session
Click here to download the full PDF with notes, case studies, and MCQs:
🔗 Download RBWM Module B Notes PDF
