IIBF DRA Mock Tests & Practice Questions
The IIBF Certificate Examination for Debt Recovery Agents is a single online paper of 100 MCQs for 100 marks in 2 hours, and RBI requires every bank and NBFC recovery agent to clear it. The pass mark is 50/100 with no negative marking, yet only about half of candidates passed in 2024-25. These mocks follow the real pattern so you know your score before the exam does.
- Full-length mock exams on IIBF DRA's actual online CBT pattern
- Real exam interface with the same timers and layout you'll see on exam day
- Weak & strong area analysis after every mock
- Exam readiness score that reflects your preparation level
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- Full 100-question mocks
- Recovery law coverage
- Module-wise practice
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Everything you need to actually improve
Daily Drills
A fresh, bite-sized set of questions every day - just enough to keep your streak and your speed alive.
Key Concepts
Key concepts, one card at a time - formulas, static GK and definitions, the stuff that's easy to forget between mocks.
Strong & Weak Analysis
Every attempt is broken down section by section, so you always know exactly what to fix next.
Bookmarks
Save any question you want to revisit - build your own revision set as you practise.
How IIBF DRA is actually structured
The DRA exam is a single online paper of 100 multiple-choice questions for 100 marks, with 2 hours to answer. It is offered in 11 languages: English, Hindi, Marathi, Malayalam, Gujarati, Kannada, Oriya, Bengali, Tamil, Telugu and Assamese. Questions span four modules: basics of banking, loan products and the legal side of recovery (SARFAESI, DRT, Lok Adalat, IBC), the recovery agent's role, code of conduct and soft skills, and NBFCs. There is no negative marking and 50 out of 100 clears it. You must first finish 100 hours (or 50 hours for graduates) of training at an IIBF-accredited institute, and you get three attempts within nine months of finishing that training.
Full syllabus coverage
Module A: Basics of Banking
- check_circleIndian financial and banking system, banker-customer relationship
- check_circleDeposit schemes, account opening, KYC and anti-money laundering
- check_circleNegotiable Instruments Act, 1881 and cheque payment and collection
Module B: Loan Products & Legal Aspects of Recovery
- check_circleCards, principles of lending, credit score, loan types, MUDRA, CGTMSE
- check_circleSecurities, charge creation, loan documentation and NPA classification
- check_circleSARFAESI Act, Lok Adalat, civil suits, DRT and the Insolvency & Bankruptcy Code
Module C: Role in Loan Recovery & Soft Skills
- check_circleCollection operations, customer meeting etiquette and anger management
- check_circleLegal and regulatory framework for DRAs, code of conduct, borrower rights
- check_circleFair Practices Code, Integrated Ombudsman Scheme, credit counselling
Module D: NBFCs
- check_circleTypes of NBFCs and their regulatory framework
- check_circleLoan products offered by NBFCs
- check_circleFair Practices Code for NBFCs
Questions people ask
Who has to take the IIBF DRA exam?
Anyone who recovers loans for a bank or NBFC, directly or through an agency, including recovery agents, DSAs, DMAs and recovery telecallers. RBI requires lenders to use only recovery agents who have completed the training and hold the IIBF certificate.
What is the eligibility for the DRA exam?
You must have passed 10th standard (SSC) and be at least 18 years old. You also need to complete the mandatory training at an IIBF-accredited institute: 100 hours if you are 10th pass up to undergraduate, or 50 hours if you are a graduate.
What is the DRA exam pattern?
One online paper of 100 multiple-choice questions for 100 marks in 2 hours, available in English, Hindi and 9 other Indian languages.
What are the passing marks and is there negative marking?
You need at least 50 out of 100 to pass, and there is no negative marking.
How many attempts are allowed?
Three attempts within nine months of completing your training. If you do not pass in that window, you have to redo the training before registering again.
What is the DRA exam fee?
₹1,200 plus GST per attempt (about ₹1,416 in total), the same for members and non-members. Your training institute registers you for the exam.
How many candidates pass the DRA exam?
In 2024-25, 1,01,983 candidates sat the exam and 49,739 passed, a pass rate of 48.77% according to IIBF's annual report.
What does ₹99 unlock?
Full-length mock tests matching the real 100-question, 2-hour format, module-wise practice sets, and explained answers tied to the rules being tested.
Is there a separate exam for recovery telecallers?
No. IIBF discontinued its separate DRA-TC telecaller exam from 1 April 2024. Recovery telecallers now take the same DRA certificate exam this page prepares you for.
How long should I prepare for the DRA exam?
Most candidates prepare alongside their training over 2 to 4 weeks: read the IIBF courseware once, make short notes on the recovery laws and the code of conduct, then practise full mock tests until you are scoring well above 50.
Clear IIBF DRA on your first attempt
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