IIBF DRA: pattern, syllabus and full mock tests
The certificate RBI requires every bank and NBFC loan-recovery agent to hold before collecting dues.
- 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
One payment, no subscription · Valid for 2 months
The Certificate Examination for Debt Recovery Agents is conducted by IIBF, the sole certifying body for recovery agents in India. RBI requires banks and NBFCs to engage only recovery agents who have completed mandatory training at an IIBF-accredited institute and passed this exam. It tests banking basics, loan products, the legal process of recovery and the code of conduct and soft skills expected of an agent.
Eligibility Criteria
schoolEducation
10th standard (SSC) pass or above, plus mandatory training at an IIBF-accredited institute: 100 hours for candidates who are 10th pass up to undergraduate, 50 hours for graduates and above.
cakeAge Limit
At least 18 years old on the date of applying for the training.
flagNationality
Offered within India, in English, Hindi and 9 regional languages.
Exam Pattern
The DRA certificate is a single online exam of 100 MCQs for 100 marks in 2 hours. There is no negative marking and the pass mark is 50/100. It is offered in 11 languages (English, Hindi, Marathi, Malayalam, Gujarati, Kannada, Oriya, Bengali, Tamil, Telugu and Assamese). Candidates get three attempts within nine months of completing their training; after that the training has to be repeated. (IIBF's separate DRA-TC certificate for recovery telecallers was discontinued from 1 April 2024.)
Certificate Examination for Debt Recovery Agents
Online120 min| Section | Questions | Marks |
|---|---|---|
| Banking basics, recovery law, agent conduct and NBFCs | 100 | 100 |
Key Topics & Syllabus
Module A: Basics of Banking
- check_circleIndian financial and banking system
- check_circleBanker-customer relationship, duties and rights of bankers
- check_circleDeposit schemes and other services
- check_circleAccount opening, KYC and prevention of money laundering
- check_circleNegotiable Instruments Act, 1881 and cheque payment and collection
Module B: Loan Products & Legal Aspects of Recovery
- check_circleDebit and credit cards
- check_circlePrinciples of lending, credit score and types of loans
- check_circlePriority sector, MUDRA and CGTMSE
- check_circleSecurities, creation of charge and loan documentation
- check_circleNPA definition, income recognition and asset classification
- check_circleSARFAESI Act, Lok Adalat, filing of suits, DRT and IBC 2016
Module C: Role in Loan Recovery & Soft Skills
- check_circleCollection operations and customer meeting etiquette
- check_circleAnger management and emotional intelligence
- check_circleDRA legal and regulatory framework, roles and responsibilities
- check_circleRights of the loan defaulter and the Integrated Ombudsman Scheme
- check_circleDebt recovery policy and procedure, code of conduct for DRAs
- check_circleRecovery strategy, credit counselling and the Fair Practices Code
Module D: NBFCs
- check_circleTypes of NBFCs and their framework
- check_circleLoan types offered by NBFCs
- check_circleFair Practices Code for NBFCs
Inside IIBF DRA Premium
Full 100-question mocks
Timed mock tests that follow the real DRA pattern of 100 MCQs in 2 hours with no negative marking.
Recovery law coverage
Questions on SARFAESI, DRT, Lok Adalat, IBC, NPA norms and RBI's code of conduct for recovery agents.
Module-wise practice
Drill banking basics, loan products, recovery law and soft skills separately, so weak modules get extra repetition.
Explained answers
Every question includes a short explanation of the rule or guideline it tests, not just the correct option.
Career Roles & Salary
Debt Recovery Agent
Mandatory to work for banks/NBFCs
Banks and NBFCs may only use certified agents for recovery, so the certificate is the entry ticket to field collection work.
Recovery Telecaller
Collection call-centre roles
Collection agencies and BPOs handling bank portfolios need certified staff; the DRA certificate covers this work, as IIBF's separate DRA-TC telecaller variant was discontinued from 1 April 2024.
Collection Agency Supervisor
Team-lead roles in recovery agencies
Agencies empanelled with lenders must employ only trained and certified personnel, so supervisors are expected to hold it too.
DSA / DMA Professional
Wider lender empanelment
Direct selling and marketing agents who also recover dues for a bank fall under the same certification requirement.
Full mock tests for IIBF DRA
Everything above is free. When you're ready for unlimited full-length mocks, complete question banks and answer explanations, unlock IIBF DRA Premium - or read the full mock-test breakdown.
Each attempt costs ₹1,200 plus GST, and missing the three-attempts-in-nine-months window means redoing the full training. Premium costs ₹99, once.
You save ₹200 today
- Full 100-question mocks
- Recovery law coverage
- Module-wise practice
One payment, no subscription · Valid for 2 months
How to Prepare
Check eligibility
You need to be 18 or older and have passed 10th standard (SSC).
Complete the mandatory training
Train at an IIBF-accredited institute or your bank/NBFC's notified training centre: 100 hours if you are below graduation, 50 hours if you are a graduate.
Get registered for the exam
Your training institute registers you with IIBF after the training. The fee is ₹1,200 plus GST per attempt.
Study the courseware
Prepare with IIBF's Debt Recovery Agents courseware (published by Taxmann), RBI's recovery guidelines and mock tests.
Take the online exam
Attempt the 100-MCQ, 2-hour paper in your chosen language. Score at least 50/100; there is no negative marking.
Download your certificate
IIBF emails a digitally signed certificate to your registered email within about 3 weeks of the result.
Important Dates (Tentative)
| Event | Expected Date |
|---|---|
| Exam frequency | Online exams on pre-announced dates, at least once a month |
| Attempt window | 3 attempts within 9 months of completing training |
| Certificate | Emailed within about 3 weeks of the result |
* Dates are indicative based on historical patterns. Check the official website for confirmed dates.
Prepare for IIBF DRA the smarter way
Free mock tests, chapter-wise practice questions and a personalized study plan, built around the latest IIBF DRA pattern.
IIBF DRA FAQ
Is the DRA certificate mandatory?
Yes, for anyone recovering loans for a bank or NBFC. RBI requires lenders and their recovery agencies to use only agents who have completed the training and passed the IIBF exam. Banks may exempt retired bank officers aged 60+ with recovery experience at their discretion.
What is the eligibility for the DRA exam?
10th standard (SSC) pass, at least 18 years old, and completion of the mandatory training at an IIBF-accredited institute (100 hours below graduation, 50 hours for graduates).
What are the passing marks and is there negative marking?
You need 50 out of 100 to pass, and there is no negative marking.
How many attempts are allowed?
Three attempts within nine months of completing the training. If you don't pass in that time, you must redo the training before you can register again.
What is the exam fee?
₹1,200 plus GST per attempt (about ₹1,416), the same for every attempt. A late fee of ₹200 plus taxes applies in the extended registration window.
How difficult is the DRA exam?
Harder than its 50% pass mark suggests: IIBF's 2024-25 annual report shows 49,739 of 1,01,983 candidates passed, a pass rate of 48.77%.
In which languages can I take the exam?
English, Hindi, Marathi, Malayalam, Gujarati, Kannada, Oriya, Bengali, Tamil, Telugu and Assamese.
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