DEBT RECOVERY AGENT CERTIFICATION

Certified Debt Recovery Agent (DRA)

Certified by Indian Institute of Banking & Finance (IIBF)

Duration: 2-3 Months

Validity: 3 Years

Level: Entry Level

Eligibility: 10+2

What is DRA Certification?

DRA (Debt Recovery Agent) certification provides expertise in debt recovery processes, legal frameworks, customer communication, and overdue management. It is a mandatory certification for debt recovery professionals in the banking sector, as required by RBI guidelines.

Importance

✅ RBI mandatory certification

✅ Improved debt recovery skills

✅ Customer relations and communication

Key Highlights

Legal Framework

SARFAESI, DRT, RBI rules

Customer Communication

Effective negotiation, conflict resolution

Overdue Management

Identification, follow-up, resolution

Ethical Practices

Customer rights, professionalism

Employment Areas

🏦 Banks 🏢 NBFCs 💰 Recovery Agencies 📊 Debt Collection Firms 📱 Fintech (Loan Collection)

Job Roles

🔹 Debt Recovery Agent 🔹 Collection Officer 🔹 Recovery Manager 🔹 Compliance Officer (Recovery) 🔹 Customer Service Rep (Loans)

Documents Required

10+2 certificate
Aadhar Card
PAN Card
Photo
Signature

Complete Process

Registration & Payment

Fill form and pay online

Upload Documents

Upload all documents

Study Material

Material provided by IIBF

Self Study

60-80 hours of self-study

Online Exam

IIBF online exam (50% passing)

Get Certificate

Certificate within 25-30 days

DRA Registration

Fill details correctly

CSP Code / Agent Code / Mobile Number *

Full Name (as per Aadhar) *

Father's Name *

Mobile Number (10 digits) *

Email Address *

Date of Birth * DD/MM/YYYY

Gender *

Highest Qualification *

City / District *

State *

Pincode (6 digits) *

Select Services *

Training

₹ 3,540.00 (incl. GST)

₹ 3,540.00

Only Exam

₹ 1,416.00 (incl. GST)

₹ 1,416.00

Re-exam

₹ 1,180.00 (incl. GST)

₹ 1,180.00

Hindi Books

₹ 790.00 (incl. GST)

₹ 790.00

English Books

₹ 540.00 (incl. GST)

₹ 540.00

Total: ₹ 0.00

Payment Method

Cashfree

Cards | UPI | NetBanking

Select gateway