IIBF DRA Syllabus: The 4 Modules of the Debt Recovery Agent Exam
One paper, four modules, from bank basics to SARFAESI and soft skills. Here's every topic IIBF lists.
The IIBF DRA exam syllabus has four modules, and every one of them feeds the same single paper. IIBF's Rules & Syllabus document lists them as Basics of Banking, Products and Legal Aspects of Recovery, Role in Loan Recovery and Soft Skills, and an additional reading module on NBFCs.
This is the syllabus for both field recovery agents and recovery telecallers. IIBF used to run a separate DRA Telecaller exam, but discontinued it from 1 April 2024, so there is now one DRA syllabus for everyone.
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DRA Syllabus at a Glance
| Module | What it covers |
|---|---|
| A. Basics of Banking | The banking system, customer relationships, deposits, KYC and cheques |
| B. Products and Legal Aspects of Recovery | Loans, cards, securities, NPAs and the laws used to recover dues |
| C. Role in Loan Recovery and Soft Skills | How a recovery agent must work: conduct, borrower rights, soft skills |
| D. Additional Reading on NBFCs | NBFC types, their loans and their Fair Practices Code |
Module A: Basics of Banking
The ground every other module stands on. If you have never worked in a bank, start here.
- check_circleFeatures of banking, the Indian financial system and the structure of Indian banking
- check_circleFunctions of banks and recent trends
- check_circleCustomer types, the banker-customer relationship, and the duties and rights of bankers
- check_circleDeposit schemes and other bank services
- check_circleAccount opening procedure, KYC guidelines and prevention of money laundering
- check_circleNegotiable Instruments Act, 1881, and the payment and collection of cheques
Module B: Products and Legal Aspects of Recovery
The products a recovery agent collects on, and the legal routes a lender uses when collection fails.
- check_circleDebit and credit cards: types and features
- check_circlePrinciples of lending, credit score, and types of loans and advances
- check_circlePriority sector advances, the MUDRA scheme and CGTMSE
- check_circleSecurities: types, characteristics and creation of charge
- check_circleLoan documentation and types of loan documents
- check_circleNPAs: definition, income recognition and asset classification
- check_circleLegal aspects of loan recovery: SARFAESI Act, Lok Adalat, filing of suits and DRT
- check_circleInsolvency and Bankruptcy Code, 2016
Module C: Role in Loan Recovery and Soft Skills
The module that exists because of why this certificate exists: RBI wants recovery done fairly, without harassment.
- check_circleCollection operations and customer meeting etiquette
- check_circleAnger management, emotional intelligence and soft skills for recovery
- check_circleThe DRA legal and regulatory framework
- check_circleRoles, responsibilities, rights and duties of debt recovery agents
- check_circleRights of the loan defaulter
- check_circleIntegrated Banking Ombudsman Scheme
- check_circleDebt recovery policy and debt recovery procedure
- check_circleCode of conduct for DRAs and the Fair Practices Code for lenders
- check_circleStrategy for recovery and credit counselling
Banking basics questions from Module A. No signup.
Module D: Additional Reading on NBFCs
Added because NBFCs must also use certified recovery agents.
- check_circleNBFCs: types and regulatory framework
- check_circleLoan types offered by NBFCs
- check_circleFair Practices Code for NBFCs
IIBF Publishes No Module-Wise Weightage
IIBF's Rules & Syllabus document describes one 100-question paper and gives no split of questions between the four modules. If you see a module-wise marks table elsewhere, treat it as that site's estimate, not an IIBF rule.
Questions Can Go Beyond the Listed Topics
IIBF calls this syllabus indicative. Its rules say questions may be asked on current developments in banking and finance, and on RBI guidelines issued up to a cut-off date: 31 December for exams held March to August, and 30 June for exams held September to February.
How the Syllabus Is Tested
| Detail | Value |
|---|---|
| Questions | 100 MCQs across all four modules |
| Marks | 100 |
| Duration | 2 hours |
| Pass mark | 50 out of 100 |
| Negative marking | None |
FAQs
How many modules are in the IIBF DRA syllabus?expand_more
Four: Basics of Banking; Products and Legal Aspects of Recovery; Role in Loan Recovery and Soft Skills; and Additional Reading on NBFCs.
Is there a separate syllabus for DRA telecallers?expand_more
No longer. IIBF discontinued the DRA Telecaller exam from 1 April 2024. Telecallers now take the same DRA exam on the same syllabus.
Which laws are in the DRA syllabus?expand_more
The Negotiable Instruments Act, 1881, the SARFAESI Act, recovery through Lok Adalat, suits and DRT, the Insolvency and Bankruptcy Code, 2016, plus prevention of money laundering and KYC rules.
How many questions come from each module?expand_more
IIBF doesn't say. Its Rules & Syllabus document describes one 100-question paper with no module-wise split.
Does the training cover the whole syllabus?expand_more
The mandatory training is built around it. IIBF's rules split the training between functional topics (law and banking operations, especially collection) and soft skills, which map to these modules.
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100 questions across all four modules, timed and scored.