IIBF DRA Syllabus 2026 & Exam Pattern: Module A, B, C, D Detailed Topics
Swati Singh6 Mar, 2026
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IIBF DRA Syllabus 2026: The Indian Institute of Banking and Finance (IIBF) conducts the IIBF Debt Recovery Agent (DRA) Exam 2026. IIBF DRA Exam 2026 will be conducted in remote proctored mode on 14th and 28th February 2026.
The IIBF IRDA exam is compulsory for individuals seeking to become Debt Recovery Agents for banks or financial institutions and is designed to guarantee that recovery activities are conducted professionally, with a thorough understanding of legal and regulatory limits.
Here we have provided the detailed overview of the IIBF DRA Syllabus 2026 and Exam Pattern for Modules A, B, C, and D.
IIBF DRA Syllabus 2026
The IIBF Debt Recovery Agent (DRA) Exam 2026 aims to prepare candidates with the crucial banking knowledge, recovery techniques, and interpersonal skills needed to carry out debt collection ethically and efficiently.
Whether you are currently employed in the banking sector or aspiring to become a certified DRA, thoroughly understanding this syllabus will equip you to recover outstanding debts legally, ethically, and effectively.
The training aims to bridge the knowledge gap of the Debt Recovery Agents about the bank products/ policies/ procedures and to sharpen the skill sets in collection, recovery, repossession of securities etc., as well as inter-personal behavioral areas.
IIBF DRA Exam Pattern 2026
Examination will be conducted in English, Hindi, and other vernacular languages, viz. Marathi, Malayalam, Gujarati, Kannada, Oriya, Bengali, Tamil, Telegu and Assamese. DRA Telecallers examination will be conducted in English only.
- IIBF DRA Question Paper will contain 100 objective-type multiple-choice questions
- Total Marks - 100 marks.
- The IRDA Exam will be held in Online Mode only
- There will be no negative marking for wrong answers.
Debt Recovery Agent Syllabus 2026
Module A-Basics of Banking
- Features of BankingIndian Financial System
- Structure of Indian Banking System
- Functions of Banks
- Recent Trends
- Various Customer Types
- Banker-Customer relationship
- Duties and Rights of Bankers
- Various deposit schemes and other services' procedure of account opening and KYC guidelines
- Prevention of money laundering
- Negotiable Instruments Act
- 1881, and provision for payment and collection of cheques.
Module B- Brief Outline of Various Products and Legal Aspects of Recovery
- Debit and Credit Cards: Types and features
- principles of lending, credit score, types of loans, and advances
- Priority sector advances
- MUDRA scheme
- CGTMSE
- Securities- types and characteristics
- creation of a charge
- loan documentation
- types of loan documents
- NPAdefinition and, income recognition and asset classification
- legal aspects of loan recovery,
SARFAESI Act - Recovery through Lok Adalat
- Filing of Suits
- DRT
- Insolvency and
- Bankruptcy Code, 2016
Module C-Role in Loan Recovery and Soft Skills
- Collection operations
- Customer meeting etiquette, anger management
- DRA-legal and regulatory framework,
- roles and responsibilities of Debt Recovery Agents
- rights of the loan defaulter
- Integrated Banking Ombudsman Scheme
- Debt Recovery Policy
- Debt Recovery Procedure
- Code of Conduct for DRAs
- Soft Skills for Recovery
- Emotional Intelligence,
- Strategy for recovery
- Credit counselling, rights and duties of recovery agents
- Fair Practices code for lenders
Module D-Additional Reading on NBFCs
- NBFCs-types and framework, loan types offered by NBFCs, Fair Practices Code for NBFCs
IIBF DRA Syllabus PDF Download
Candidates appearing for the IIBF DRA Exam should particularly prepare themselves for answering questions that may be asked on the latest developments taking place under the various subject/s of the said examination although
those topics may not have been specifically included in the syllabus. Here we have provided the IIBF DRA Syllabus PDF Download Link.