IIBF DRA Exam 2025, Passing Criteria, Application fees and Eligibility

The Indian Institute of Banking and Finance (IIBF) conducts the Debt Recovery Agent (DRA) Exam to certify individuals seeking to work as debt recovery agents in banks and financial institutions. The course is designed to enhance the functional knowledge, soft skills, and legal understanding needed to collect debts in a professional, ethical, and legally compliant manner. This training and certification process helps bridge the gap in banking knowledge and collection methods among agents while ensuring a structured and uniform standard across all institutions.

IIBF DRA Exam 2025

The IIBF DRA Exam 2025 is a vital certification for those aiming to enter the banking recovery domain. With structured training and a transparent assessment system, it equips candidates with the skills and knowledge needed for ethical and effective debt recovery practices. Ensuring compliance and professionalism, the DRA exam also strengthens the integrity of the banking sector’s recovery workforce.

IIBF DRA Exam Date 2025

The IIBF DRA Exam 2025 is your gateway to enhanced banking credentials and expertise. Here is the complete schedule of upcoming/ ongoing registration and exam dates.

IIBF DRA Eligibility Criteria

Candidates applying for the DRA certification must meet the following eligibility conditions:

Educational Qualification: Minimum SSC (10th standard) passed.

Age: Must be 18 years or older at the time of application.

Training Hours:

• 100 hours for candidates with qualifications below graduation.
• 50 hours for graduates and above.

For BPO/Call Centre Employees: Only 50 hours of training needed if graduate or higher.

Note: Retired bank officers aged 60 years or above with relevant experience in recovery may be exempted from training at the discretion of the bank.

Certification Process for IIBF DRA Exam

To obtain certification, the following steps are to be completed:

• Enrol with an IIBF-accredited training institute.
• Complete the required hours of training (50 or 100 hours).
• Obtain a Training Completion Certificate.
• Register and apply for the IIBF online examination.
• Appear and pass the exam.
• Receive the pass certificate from IIBF.

IIBF DRA Exam Pattern

The IIBF DRA examination is a computer-based test (CBT) format to assess candidates’ knowledge. It consists of 100 multiple-choice questions covering various aspects of retail lending. Candidates are allocated 2 hours (120 minutes) to complete the examination, with each question carrying equal weightage. The exam is designed to test both theoretical knowledge and practical understanding of retail asset management in the banking sector.

Type: Objective (Multiple Choice Questions)

Mode: Online

Number of Questions: 100

Total Marks: 100

Negative Marking: None

Duration: 2 Hours

Medium: English, Hindi, and regional languages (including Marathi, Malayalam, Tamil, Telugu, Assamese, and more)

Exam Frequency: Once a month or more, as notified on the IIBF website

Exam Centres: Available in cities with 20+ candidates

IIBF DRA Application Fees

The IIBF DRA examination application fee structure is designed to be affordable and accessible for banking professionals seeking certification. The registration fee for the DRA examination is ₹1416/- (including GST) for both members and non-members of IIBF, making it uniform across all applicants.

IIBF DRA Passing Criteria and Validity

To successfully clear the IIBF DRA examination, candidates must secure a minimum of 50% marks, which translates to 50 correct answers out of 100 questions. There is no negative marking in the examination, encouraging candidates to attempt all questions without penalty for incorrect responses.

Passing Marks: Minimum 50 out of 100

Time Limit: Must pass within 3 attempts and 9 months of training completion

Re-enrollment: Required if unable to pass within the stipulated attempts/time

Purpose of the IIBF DRA Certification Program

The DRA training program aims to:

• Equip candidates with knowledge of banking products, policies, and recovery procedures.
• Develop interpersonal and communication skills essential for fair collection practices.
• Train candidates in legal aspects, soft skills, and behavioural competencies to enhance professionalism in debt recovery.