Debt Recovery Agent (DRA)


Sno Date of examination Registration date from Registration date to
1 07-03-2020 01-02-2020 15-02-2020
2 04-04-2020 01-03-2020 15-03-2020
3 02-05-2020 01-04-2020 15-04-2020
4 06-06-2020 01-05-2020 15-05-2020
5 04-07-2020 01-06-2020 15-06-2020
6 08-08-2020 01-07-2020 15-07-2020
7 05-09-2020 01-08-2020 15-08-2020

Certificate Examination for Debt Recovery Agents / DRA Tele-callers – DRA Exam - IIBF

The service providers engaged by Banks / NBFCs for the purpose of recovery should employ only Debt Recovery Agents who have undergone 100/50 Hours of training and obtained the certificate from IIBF.

Who should write this exam?

  • Direct Selling Agent / Direct Marketing Agent / Debt Recovery Agent or any other agent, by whatever name call, who is engaged directly or indirectly either for remuneration or for commission in connection with recovery of debt of banks or enforcement of securities in banks.
  • Any individual who would like to make a career as a Debt Recovery Agent for a bank.

Who is a Debt Recovery Agent?

A person engaged by a Bank for collecting specified loans, or advances or other kind of debts from the debtors (or borrowers) following rules / guidelines prescribed by RBI from time to time is a Debt Recovery Agent

Eligibility Criteria & Training Requirements

SSC passed or above

100 Hours Training: 10th Std. Passed and upto graduation

50 Hours Training: Graduation & above 50 hours

DRA training for collection / recovery agent / personnel employed by DSA / DMA / DRA or debt collection agency are offered by Bank or Training institutions authorised by IIBF

DRA Exam fee

Rs 1200 for members and Rs 1500 for Non Members. (Plus taxes)

DRA Exam Passing Criteria

Minimum marks for pass in the subject is 50 out of 100.

Examination will be conducted in English, Hindi and other vernacular langauages viz. Marathi, Malayalam, Gujarati, Kannada, Oriya, Bengali, Tamil, Telegu and Assamese. Dra Telecallers examination will be conducted in English only.


  • Question Paper will contain 90 objective type multiple choice questions for 100 marks.
  • The examination will be held in Online Mode only
  • There will NOT be negative marking for wrong answers.

Syllabus for Debt Recovery Agents / DRA Tele-callers Exam

MODULE - A BASICS OF BANKING, Principles of Banking - Structure and Function of Banking - Retail Banking - Recent trends - e-banking - KYC norms BRIEF OUTLINE ON VARIOUS PRODUCTS Credit Cards - Consumer Loans - Home Loans - Agriculture credit products etc.

MODULE - B Soft skills Communication skills - Inter personal skills - Telephone etiquette - Personal etiquette - Negotiation / Persuasive skills - Analytical Ability - Inter personal behavior

CODE OF ETHICS RBI Guidelines Banks guidelines Case studies / Case laws

Where will I get Model Question Papers for Debt Recovery Agent Exam?

ऋण वसूली (DRA हिंदी)


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