IIBF DRA Syllabus 2025 & Exam Pattern with Section Wise Details & Marking Scheme

The IIBF Debt Recovery Agent (DRA) Exam 2025 is designed to equip aspirants with essential banking knowledge, recovery skills, and soft skills required to perform debt collection ethically and effectively. The exam is mandatory for anyone aspiring to work as a Debt Recovery Agent with banks or financial institutions and aims to ensure that recovery operations are carried out professionally, with full awareness of legal and regulatory boundaries.

IIBF DRA Syllabus 2025 & Exam Pattern

The IIBF DRA Exam 2025 is more than a formality; it’s a stepping stone to a responsible and impactful career in loan recovery. Whether you’re already working with a bank or planning to become a certified DRA, mastering this syllabus ensures you’re ready to recover dues lawfully, ethically, and efficiently. In this article, we have discussed the IIBF DRA Syllabus 2025 & Exam Pattern in detail.

IIBF DRA Exam Pattern 2025

The exam pattern is straightforward, but candidates must understand it well to prepare effectively.

Mode of Examination: Online

Question Type: 100 Multiple Choice Questions (MCQs)

Total Marks: 100

Duration: 2 hours

Negative Marking: No negative marking

Passing Marks: Minimum 50 out of 100

Syllabus for IIBF DRA Exam 2025

The IIBF DRA syllabus is divided into four modules (A to D), each designed to build a different set of competencies.

Module A: Basics of Banking

This module lays the foundation by introducing candidates to banking fundamentals.

Key Focus: Functional banking knowledge, account procedures, and compliance with legal frameworks.

• Features of Banking
• Structure of the Indian Financial System
• Types of Banks and Their Functions
• Recent Developments in Banking
• Types of Customers and KYC (Know Your Customer) Guidelines
• Banker-Customer Relationship
• Account Opening Process
• Prevention of Money Laundering
• Negotiable Instruments Act, 1881: Key provisions, especially around cheque handling

Module B: Banking Products & Legal Recovery Aspects

This section connects credit delivery with the legal measures available for loan recovery.

Key Focus: Understanding products, evaluating risk, and applying legal recovery mechanisms effectively.

• Debit/Credit Cards – Types and Features
• Principles of Lending and Credit Score
• Loans and Advances: Types, Documentation, and Priority Sector Lending
• MUDRA Scheme, CGTMSE, and Loan Guarantees
• Understanding Securities and Charges
• Non-Performing Assets (NPA): Definition and classification
• Legal Tools for Recovery:
• SARFAESI Act
• Lok Adalats
• Debt Recovery Tribunals (DRT)
• Insolvency and Bankruptcy Code (IBC), 2016

Module C: Role in Loan Recovery & Soft Skills

Soft skills are essential for a DRA, as they must balance firm recovery with ethical practices.

Key Focus: Professionalism, communication, and responsible recovery practices.

• Customer Interaction & Etiquette
• Emotional Intelligence and Anger Management
• Legal Rights of Defaulters and DRAs
• Ombudsman Scheme and Customer Grievance Redressal
• Debt Recovery Policy & Procedures
• DRA Code of Conduct
• Fair Practice Code for Lenders
• Credit Counselling
• Strategy Planning for Recovery

Module D: Additional Reading on NBFCs

This module gives an overview of the Non-Banking Financial Company (NBFC) ecosystem.

Key Focus: Understanding NBFC operations is important for those dealing with loans outside the traditional banking structure.

• Types of NBFCs and their Regulatory Framework
• NBFC Loan Products
• Fair Practice Code followed by NBFCs

Tips to Crack the IIBF DRA Exam

• Understand all four modules thoroughly
• Practice mock tests online to manage time
• Focus on legal concepts, soft skills, and banking basics
• Aim to score 50+ marks out of 100 in one go
• No negative marking – attempt all questions