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Where can I get the details of the IIBF DRA Syllabus 2025?
The complete details of the IIBF DRA Syllabus 2025 has been provided here for Module A to D.
What is the minimum qualifying marks for IIBF DRA?
To clear any paper of IIBF DRA candidates must score at least 50 out of 100 marks.
What are the topics covered in the Debt Recovery Agent Syllabus 2025?
The topics included in the Debt Recovery Agent Syllabus 2025 are Basics of Banking, Brief Outline of Various Products and Legal Aspects of Recovery, and Role in Loan Recovery and Soft Skills
Is there any negative marking in the IIBF DRA Examination?
No there is no negative marking in the IIBF DRA Examination.
How many questions are there as per the IIBF DRA Exam Pattern 2025?
There are a total 100 questions carrying 1 mark each in the IIBF DRA Exam Pattern 2025.
IIBF DRA Syllabus 2025 And Exam Pattern, Section-wise Syllabus
Here is the detailed IIBF DRA Syllabus 2025 and Exam Pattern prepared by Indian Institute of Banking and Finance (IIBF) for Modules A to D. Check passing criteria, marking scheme, and section-wise topics.
Swati Singh21 Jun, 2025
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IIBF DRA Syllabus 2025 : The Indian Institute of Banking and Finance (IIBF) conducts the IIBF Debt Recovery Agent (DRA) Exam 2025. The IIBF DRA 2025 Exam is scheduled to take place on 5th July, 2nd August and 20th September 2025.
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 2025 and Exam Pattern for Module A, B, C and D.
IIBF DRA Syllabus 2025
The IIBF Debt Recovery Agent (DRA) Exam 2025 aims to prepare candidates with the crucial banking knowledge, recovery techniques, and interpersonal skills needed to carry out debt collection in an ethical and efficient manner.
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 2025
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 no negative marking for wrong answers.
Debt Recovery Agent Syllabus 2025
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 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 etiquettes, 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.
