DRA Certification Complete Guide : How to Become a Certified Debt Recovery Agent in India

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Thinking about a career in debt recovery? With the Reserve Bank of India (RBI) making DRA certification mandatory for all collection agents, there’s never been a better time to get your credentials in order. Whether you’re a fresh graduate looking to enter the BFSI sector or an undergraduate exploring opportunities in banking and finance, this comprehensive guide covers everything you need to know about DRA training, the IIBF DRA exam, fees, eligibility, and the step-by-step certification process.

What is DRA Certification and Why is it Mandatory?

The Debt Recovery Agent (DRA) certification is an RBI-mandated qualification for anyone employed as a recovery or collection agent by banks, NBFCs, DSAs (Direct Selling Agents), DMAs (Direct Marketing Agents), or debt collection agencies across India.
Since debt collection involves direct interaction with borrowers, improper behavior by recovery agents can lead to customer harassment, reputational damage, and even legal violations. To address this, the RBI has mandated that all collection personnel must undergo proper training and obtain DRA certification from the Indian Institute of Banking & Finance (IIBF) — currently the sole certifying body for DRAs in India.
Banks and NBFCs must ensure that all their recovery agents complete the required training and obtain DRA certification within one year of employment. Service providers and agencies working with banks must also employ only IIBF-certified personnel for recovery activities.
Note: Retired bank officers aged 60 years and above with extensive recovery experience may be exempted from training and certification at the discretion of the employing bank.

DRA Training: Objectives and Benefits

The DRA training program is designed to:
  • Improve functional knowledge in banking products, policies, processes, and procedures
  • Develop soft skills for ethical and fair collection practices
  • Bridge knowledge gaps regarding repossession of securities, recovery mechanisms, and interpersonal behavioral skills
  • Ensure regulatory compliance and protect both consumers and financial institutions
An IIBF DRA certification not only fulfills a legal requirement but also establishes you as a competent professional in the BFSI sector.

DRA Exam Eligibility Criteria

Before enrolling for DRA training, ensure you meet the following requirements:
Requirement Details
Minimum Education Senior Secondary Certificate (SSC/10th pass) and above
Minimum Age 18 years as on the date of application
Training Requirement Mandatory before appearing for the exam
Candidates who have completed their graduation need 50 hours of training, while undergraduates (SSC pass and above) require 100 hours of training.

Step-by-Step: How to Become a Certified DRA

Step 1: Choose an IIBF-Accredited Training Institute

Select an accredited training agency from the official IIBF website. Training is offered by:
  • IIBF-accredited training institutions
  • Training establishments of banks/NBFCs notified by IIBF
  • Training departments of banks/NBFCs that have informed IIBF of their intent

Step 2: Complete Mandatory Training

  • Graduates: 50 hours of training
  • Undergraduates (SSC+): 100 hours of training
Training batches typically run:
  • 50-hour batches: 8 days (7 hours/day) to 15 days (3.5–4 hours/day)
  • 100-hour batches: 17 days (7 hours/day) to 30 days (3.5–4 hours/day)

Step 3: Apply for the IIBF DRA Examination

After completing training, your accredited agency will submit your exam application online during the registration period.

Step 4: Appear and Pass the Exam

The exam is conducted in 11 languages: English, Hindi, Marathi, Malayalam, Gujarati, Kannada, Oriya, Bengali, Tamil, Telugu, and Assamese.
Candidates trained in vernacular languages including Hindi can opt for bilingual mode (English + chosen language).

Step 5: Receive Your DRA Certificate

Upon passing, you receive your DRA pass certificate from IIBF. Good news: Currently, there is no expiry date on DRA certificates.

List of Accredited Institutions/Agencies providing DRA Training

(50 Hours Batches – for Graduates & 100 Hours Batches – for UG Candidates):

Serial No. Name of the DRA Training Institutions/Agencies Address Contact Person Alternative Contact Person
01. Centurion University of Technology and Management Survey Nos. 157-1 to 6, Tekkali Village, Nellimarla Mandal,

Vizianagaram, Andhra Pradesh – 535003

 Name –Ms. Manyam Sravanthi

Mob. No. – +91 9948576691

Email Id. – sravanthi@gramtarang.org

 Name – Prof J Anil Kumar

Mob. No. – +91 7680812999

Email Id. – anilkumar.j@cutm.ac.in
02. BFSI Sector Skill Council of India 1407 Lodha Supremus,

Saki Vihar Road, Powai,

Mumbai, Maharashtra – 400072

 Name – Sachin Shukla

Mob. No. – 8286360276

Email Id. – sachin.shukla@bfsissc.com

 —
03. Hand in Hand Academy for Social Entrepreneurship Hand in Hand Academy for Social Entrepreneurship,

Kaliyanur Village,

Kaliyanur, Kanchipuram – 631561

 Name – S Ganeshkumar

Mob. No. – 9940819690

Email Id. – ganeshkumar.s@hihacademy.edu.in

 Name – Shyamala. V

Mob. No. – 9042740104

Email Id. – shyamala.v@hihacademy.edu.in
04. TeamLease Edtech Unit No. 903, 9th Floor,

Western Edge- II, Western Express Highway, Borivali(East),

Mumbai, Maharashtra – 400066

 Name – Anmol Shanbhag

Mob. No. – 8369786556

Email Id. – anmol.shanbhag@teamlease.com

 —
05. Abhiyan Academy Saroj Nandan, 1st and 2nd Floor,

Mahamaya Vihar,

Road No-1, Warehouse Road,

Bilaspur, Chhattisgarh – 495001

 Name – Mr. N.K. Mishra

Mob. No. – 7489497054

Email Id. – abhiyan.iibf@gmail.com

 Name – Mr. Sandeep Mishra

Mob. No. – 9981172115

Email Id. – sap_mishra@hotmail.com
06. AISECT Limited

 

 AISECT Headquarters, SGSU Campus,

NH-12, Near Misrod,

Narmadapuram Road,

Bhopal, Madhya Pradesh – 462047

 Name – Mr. Balvant Sarathe

Mob. No. – 9111034684

Email Id. – fitraining@aisect.org

 Name – Mr. Sandeep Malviy

Mob. No. – 9109135115

 
07. Bajaj Finance Limited 4th Floor, Off Pune-Ahmednagar Road,

Viman Nagar,

Pune, Maharashtra – 411014

 Name – Ms. Karishma Kesharwani

Mob. No. – 9975279510

Email Id. – bfl_dratraining@bajajfinserv.in

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08. Banking Quest Basement, 1217, Lotus Avenue,

Opposite Shalom Hills International School,

Sector 43,

Gurugram, Haryana – 122009

 Name – Mr. Tilak Raj Gulati

Mob. No.- 9836289445

Email Id. – gulati.tr1@gmail.com

 Name – Mr. Varun Gulati

Mob. No. – 8527222630

Email Id. – varungulati123@gmail.com
09. Crux Management

Services Private Limited

 403, 4th Floor, Diamond Block,

Lumbini Rockdale,

Beside TRANSCO Office Somajiguda,

Hyderabad, Telangana – 500082

 Name – Mr. Lokesh Kumar

Mob. No. – 9010136300

Email Id.- training@cruxmanagement.com

  

–

 
10. CSC Academy 3rd Floor, Electronic Niketan,

6, Lodhi Road, Gokalpuri,

CGO Complex,

New Delhi – 110003

 Name – DRA Training Support of CSC

Mob. No. – 7011958630

Email Id. – cscdra@cscacademy.org

 –
11. Dissiminare Consulting 4, Gouranga Mandir Lane,

Bagha Jatin,

Kolkata, West Bengal – 700086

 Name – Mr. Abhishek Toshniwal

Mob. No. – 9820301067

Email Id. – abhishek@disseminare.com

 Name – Mr. Subham Sur

Mob. No. – 9230678970

Email Id. – subham@disseminare.com
12. Erudite Assets Private Limited 3rd Floor, Prudential Building, Prudential IT Park,

Central Avenue, Powai,

Mumbai, Maharashtra – 400076

 Name – Mr. Kumar Sanjeet

Mob. No. – 9930053545

Email Id. – kumar@omakin.com

 Name – Mr. Kapil Jha

Mob. No. – 9920039738

Email Id. – kapil@omakin.com
13. HDB Financial Services Limited HDB House, Tukaram Sandam Marg,

A-Subhash Road,

Vile Parle (East),

Mumbai, Maharashtra – 400057

 Name – Ms. Purvi Shah

Mob. No. – 9825324588

Email Id. – purvi.shah@hdbfs.com

 Name – Ms. Soma Biswas

Mob. No. – 9036825824

Email Id. – soma.biswas@hdbfs.com
14. Institute of Banking

Studies (IBS)

 IBS, 2nd & 3rd Floor,

Centre point,

Kayamkulam, Kerala – 690502

 Name – Mr. Satheesh Kumar S

Mob. No. – 9447873644

Email Id. – satheeshparethu@gmail.com

 Name – Mr. Manoj V

Mob. No. – 7559000081

Email Id. – ibskylm@gmail.com
15. KP Education KP Education, Sco No. 41,

Sector 4 Market, Near SBI,

Panchkula, Haryana – 134112

 Name – Ms. Neelam Dhingra

Mob. No. – 9910643434, 984555609

Email Id. – neelamdhingraa@gmail.com

 Name – Ms. Santosh Gajwani

Mob. No. – 9815126434

Email Id. – kpeducations@gmail.com
16. Learnet Skills Limited D-114, Okhla Industrial Area Phase-1,

New Delhi – 110020

 Name – Mr. Avinash Goregaonkar
Mob. No. – 9152215511
Email Id. –avinash.goregaonkar@learnetskills.com		 Name – Mr. Paurushasp Mistry
Mob. No. – 9426310029
Email Id. –Paurushasp.Mistry@learnetskills.com
17. Learning Centre of Insurance, Marketing

& Financial Planning

 02f, 2nd Floor, Garapata Market Complex,

212 Rash Behari Avenue,

Kolkata, West Bengal – 700019

 Name – Mr. Dilip Kumar Ghosh

Mob. No. – 9831122129, 6290247629

Email Id. – 4dilipghosh@gmail.com

 Name – Mr. Uttam Bandyopadhyay

Mob. No. – 8240414561

Email Id. – Bonduttam1961@gmail.com
18.  Mahabank-RSETI S. No. 7A/2, Janmangal Bank of Maharashtra Building,

Hadapsar Industrial Estate,

Pune, Maharashtra – 411013

 Name- Mr. Sanjay Ashok Mandhare

Mob. No. – 9921475741

Email Id. – mrsetipune@gmail.com

 Name – Mr. Sanjay Kundlik Dagale

Mob. No. – 9049453951
19. National Institute for

Rural Banking (NIRB)

 No. 67, RICM Campus,

2nd Floor, Padmanabhanagar Banashankari 2nd Stage,

Bengaluru, Karnataka – 560070

 Name – Mr. Jithendra Kumar HM

Mob. No. – 7892146054

Email Id. – jithendrakumar42@gmail.com

 Name – Mr. Umesh Guddad

Mob. No. – 9972778802

Email Id. – Umesh.guddad1@gmail.com
20. Navsoft Training & Development Services Private Limited Dainik Navjyoti Campus,

Jobner Bag, Station Road,

Jaipur, Rajasthan – 302006

 Name – Ms. Payal Chaudhary

Mob. No. – 9828548048

Email Id. – naitindia@yahoo.com

 Name – Mr. H.S. Rathore (G.M)

Mob. No. – 8952034342
21. Nexus Marketing

Services Private Limited

 8-B, First Floor, Green Park,

Jalandhar, Punjab – 144001

 Name – Mr. Sony Gupta

Mob. No. – 9872399812

Email Id. – support@nexusmarketing.in

 Name – Mr. Harinder Singh

Mob. No. – 9814102586
22. Sophia Study Circle Naranpur, Belagachhia,

Near Dion Apartment Phase-3,

Cuttack, Odisha – 754005

 Name – Mr. Punyasloka Mitra

Mob. No. – 9437184584, 8249202861

Email Id. – sophiastudycircle@gmail.com

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23. Talent Sigma Professionals Private Limited Plot No. F 35,

Chandaka Industrial Estate,

Bhubaneswar, Odisha – 751024

 Name – Mr. Paresh Chandra Mohanty

Mob. No. – 9439856409

Email Id.- paresh.mohanty@talentsigma.in

 Name – Ms. Meena Nayak

Mob. No. – 9583116210

Email Id. – alchemyforu@gmail.com
24. Trekone C-5, Vasavi Towers,

714-716, Raja Street,

Coimbatore, Tamil Nadu – 641001

 Name – Mr. Srinivasan R

Tel. No.- 0422 4358523

Mob. No. – 09843130103

Email Id. – trekone@gmail.com

 –
25. VGM Excellence Centre GRM Tech Building, DH-6/29,

New Town, Action Area 1,

Kolkata, West Bengal – 700156

 Name – Mr. Narayani Prasad Mishra

Mob. No. – 9337641600

Email Id-narayani.mishra@vgmconsult.co.in

 Name – Mr. Rai Mohan Patnaik

Mob. No. – 9007476337

Email Id. – rm.pattnaik@vgmconsult.co.in
26. VisionIndia Tech

Services Limited

 Plot No 55, S. No 1/10-16,

Amachi Colony Lane,

Bavdhan Khurd,

Pune, Maharashtra – 411021

 Name – Mr. Samarth Ghanwate

Mob No. – 7350015681

Email Id. – training@visel.in

 Name – Mr. Makarand Kulkarni

Mobile No. – 9922402747

Email Id. – makarand@visel.in
27. Sterling Concepts 46-15-35 Mandavaripeta

Visakhapatnam, Andhra Pradesh – 530016

 Name – Mr. K.S. Prasad

Mob. No. – 9866174993

Email Id. – ksprasad1409@gmail.com

 Name – Mr. S.V. Ramana

Mob. No. – 9441530868

Email Id. – svr9855@gmail.com
28. Ma Kalka Education Consultancy & Training Services Private Limited 22-B, Kasturba Nagar,

Bhopal, Madhya Pradesh – 462023

 Name – Mr. Shanker Rajagopalan

Mob. No.- 9425019631

Email Id.-shanker.rajagopalan@gmail.com

 Name – Dr. (Mrs) Uma Shanker

Mob. No. – 9827294071

Email Id. – shanker.uma@gmail.com
29. Mitcon Consultancy & Engineering Services

Private Limited

 1st floor, Kubera Chambers,

Shivajinagar,

Pune, Maharashtra -411005

 Name – Ms. Sonali Mishra

Mob. No. – 9503240719

Email Id. – sonali.mitcon05@gmail.com

 Name – Mr. Rajesh Mishra

Mob. No. – 9420514625

Email Id.-rajesh.mishra@mitconindia.com

DRA Training Modes and Duration

Online vs Offline Training

DRA training is conducted in both:
  • Online mode (most common)
  • Offline mode (classroom-based)
Most batches today are conducted online, giving candidates flexibility regardless of location.

Attendance Requirement

100% attendance is mandatory. You must be present for the full duration of the training to be eligible for the examination.

DRA Course Fees Breakdown (2026)

Understanding the cost structure helps you plan better:
Component Fee
IIBF Examination Fee ₹1,200 + applicable taxes (first and subsequent attempts)
Late Registration Fee ₹200 + taxes (if registering during extended period)
Suggested Consolidated Training Fee (Online) Up to ₹4,000 (includes application, registration, study material, exam fee, library fee, etc.)
Suggested Consolidated Training Fee (Offline) Up to ₹6,500
Important: Examination fees once paid are non-refundable and cannot be adjusted. Candidates must register separately for every attempt.
Training fees may vary among accredited agencies, so it’s advisable to compare options before enrolling.

DRA Exam Registration: Key Rules to Remember

9-Month Window

Candidates must appear for the DRA examination within 9 months (270 days) of successfully completing their training. Missing this window means undergoing training again.

Reappearing After Failure

If you don’t pass the exam:
  • You can reappear for subsequent attempts
  • If you fail in three attempts or don’t pass within the 9-month window, you must undergo training again and then re-register for the exam

How to Register

Your training-providing accredited agency submits the exam application online on your behalf after you complete the mandated training.

Where to Find Accredited DRA Training Institutes

Finding a legitimate training provider is crucial. Here’s where to look:
  1. Visit www.iibf.org.in
  2. Navigate to the DRA tab
  3. Click on “List of Accredited DRA Training Institutes”
You’ll find contact numbers and email IDs of all authorized agencies. Since most training is now online, you can enroll with an agency of your choice regardless of your city.
For course brochures, syllabus details, exam schedules, and study resources:
  • Go to www.iibf.org.in > DRA section
  • Download the course brochure under “Rules and Syllabus”

DRA Helpline and Contact Information

For queries related to DRA training, examination, and certificates:
Query Type Contact Details
DRA Certificate Exam / Certificate Queries Phone: 022-68507035
DRA Policy / Accreditation / Training Queries Phone: 022-68507039, 022-68507044, 022-68507076
Email IDs je.exm3@iibf.org.in, se.exm4@iibf.org.in
Visit www.iibf.org.in > Contact Us for updated details.

Frequently Asked Questions (FAQs)

Is IIBF DRA certification mandatory for employment as a recovery agent?

Yes. As per RBI mandate, DRA certification is mandatory for all recovery agents in India. Banks and NBFCs must ensure their agents are certified within one year.

Can I apply for the DRA exam without training?

No. Training is mandatory. Graduates need 50 hours; undergraduates need 100 hours.

What is the validity of the DRA certificate?

Currently, DRA certificates have no time limit on validity.

Does IIBF provide placement assistance?

No, IIBF does not offer formal campus placement. However, the certification is highly respected in the banking industry and significantly enhances employability.

Can individuals apply to become DRA training providers?

No. Only organizations such as banks, NBFCs, financial institutions, and educational institutions can apply for accreditation. Individuals cannot apply.

What is the minimum qualification for DRA training?

Senior Secondary Certificate (SSC/10th pass) and above, with a minimum age of 18 years.

Conclusion

The DRA certification is your gateway to a legitimate and structured career in debt recovery and collection within India’s banking and financial services sector. With RBI making it mandatory, obtaining your IIBF DRA certification not only ensures compliance but also equips you with the professional skills needed to succeed.
Ready to get started? Visit the IIBF official website, explore accredited training institutes, and take the first step toward becoming a certified Debt Recovery Agent today.
Have questions about DRA training or the certification process? Drop them in the comments below, and we’ll help you navigate your journey into the BFSI sector!