Yes, as per RBI mandate DRA (Debt Recovery Agent) certification is mandatory to be employed as a recovery agent in India. Presently, IIBF is the sole certifying body for DRAs. Thus, Banks / NBFCs should ensure that within a period of one year all their recovery agents should undergo the required training and obtain DRA certification from IIBF. Further, service providers for Banks / NBFCs should employ only those personnel who have undergone the required training and obtained certification from IIBF for performing recovery functions.

However, retired bank officers (age 60 years and above) with wide experience in Recovery may be exempted by the banks concerned from training / certification for appointment by them at their discretion.

For obtaining the DRA certification a candidate needs to:

Candidate(s) who have qualified the Senior Secondary Certificate Examination (SSC) and above are eligible to enrol for DRA training but said candidate must have completed 18 years of age as on date of applying for DRA training.

Upon successful completion of the training, candidates become eligible to apply for the examination.

Yes, in order to appear for the DRA Certificate Examination, one needs to mandatorily undergo 50 / 100 Hours of Training (for Graduates / UGs respectively) as mandated by RBI.

Candidate must have completed 18 years of age on the date of application for training.

Graduates need to undergo training for 50 Hours whereas Under-Graduates need to undergo training for 100 Hours.

Generally, a 50 Hour Training Batch (for Graduates) takes about 8 days (7 hours per day) to 15 days (3.5 to 4 hours per day).

Whereas a 100 Hour Training Batch (SSC pass and above) takes about 17 days (7 hours per day) to 30 days (3.5 to 4 hours per day).

Candidate will be informed about the same by the Training Providing Agency when he / she is enrolled to a particular training batch by the agency.

At present, training is conducted in both: i. Online or ii. Offline mode(s) but most batches are conducted in Online mode only.

Candidate(s) who wish to undergo DRA training may contact any of the IIBF-Accredited Agency of his / her choice (given most training batches are conducted in online mode) and enrol in a training batch.

The contact details of these accredited agencies are available on the Home Page of the website of IIBF i.e. www.iibf.org.in (Home Page) > DRA tab > List of Accredited DRA Training Institutes, wherein contact numbers and email ids of respective agencies are provided.

Candidates can navigate to: www.iibf.org.in (Home Page) > DRA to know more about the DRA Course / Syllabus / Training / Exam Schedule / Study Resources, etc. They can download the course brochure under Rules and Syllabus for important information about the certification.

DRA Training / examination is conducted in 11 languages namely, English, Hindi and other vernacular languages viz. Marathi, Malayalam, Gujarati, Kannada, Oriya, Bengali, Tamil, Telugu and Assamese.

Candidate(s) who have undergone training in any of the vernacular languages including Hindi, can appear for the examination in bilingual mode (English + Chosen Language).

While Fee for Examination payable to IIBF is Rs. 1200 + applicable taxes * for the First attempt and subsequent attempts, if any, Training Fee may vary among agencies.

However, as suggested by IIBF, agencies may charge a consolidated fee (inclusive of application, registration, cost of books / study material, exam fee, library fee, etc.) not exceeding Rs. 4000 /- in case of Online training and Rs. 6500 /- in case of Offline training.

Application for the Examination is to be submitted online by the training providing accredited agencies who have trained after completion of mandated DRA training during the registration period.

Yes, there is a time-limit of 9 months i.e. 270 days, for candidates who have successfully completed their training, to appear for the examination.

It is essential to be present during full duration of the training program.

Yes, they can re-appear. If a candidate fails to pass in three attempts or does not pass within the nine-month window, they will be required to undergo the training again and then register for the exam afresh.

No, the Indian Institute of Banking & Finance (IIBF) does not explicitly guarantee or provide a formal campus placement service for its certification programmes. But, as it is a well-reputed brand in the banking industry, an IIBF certification can play a valuable role in establishing oneself as a competent professional in the BFSI sector.

Yes, contact details of concerned officials can be found on the IIBF website under ‘Contact Us’ section. Candidates can visit: www.iibf.org.in (Home Page) > Contact Us

At present, there is no time-limit on validity of DRA certificate(s) issued to successful candidate(s).

DRA training for collection / recovery agent / personnel employed by DSA / DMA / DRA or debt collection agency whatever name called can be offered only by:

No, Only Organisations such as Banks / NBFCs / Fis, etc. can apply for Accreditation to impart DRA Training. Individuals cannot apply for accreditation to impart DRA Training.

Organisations having working experience in the BFSI sector, preferably regarding training and related activities can apply for the accreditation. Educational Institutions may also apply for the accreditation.

IIBF invites applications from prospective Institutions, periodically, depending upon its requirements.

To apply for DRA Accreditation, they need to visit:

www.iibf.org.in (Home Page) > DRA tab > Application Form for DRA Training Accreditation wherein the Format to apply for Accreditation gets available (based on requirement) which needs to be duly filled (typed), scanned and sent to DRA Cell, IIBF.

Kindly note the following important information regarding the said Application Form: