IIBF DRA Exam Date 2026: Registration, Fees, Syllabus & Complete Guide
Searching for the latest IIBF DRA exam date 2026? You are in the right place. This is the complete.
Regularly-updated guide to the Certificate Examination for Debt Recovery Agents (Ce-DRA). DRA Tele-callers (Ce-DRA-TC) conducted by the Indian Institute of Banking. Finance (IIBF).
Below you will find the exam dates. Registration windows. Fees.
Eligibility. Exam pattern, passing marks, the full syllabus and a smart study plan. Bookmark this page - we refresh it as soon as IIBF releases a new notification.
Key Takeaways (Quick View)
- The IIBF DRA exam is held online. Once a month (or more often) throughout the year.
- It has 90 objective MCQs for 100 marks. A 90-minute duration and no negative marking.
- You need 50 out of 100 marks to pass. With 3 attempts in 9 months from your training date.
- Mandatory training is 50 or 100 hours depending on your qualification.
- Always confirm the exact date. Fee on the latest official IIBF notification before you apply.
What Is the IIBF DRA Exam?
A Debt Recovery Agent (DRA) is a representative appointed by a bank or a lawful debt-collection agency to act as its agent. DRAs call or visit borrowers to collect payment on overdue accounts - strictly within the fair-practice rules laid down by the Reserve Bank of India (RBI).
The Debt Recovery Agent Certificate course was developed on the advice of RBI by the Indian Banks' Association (IBA). In consultation with IIBF. RBI requires that all recovery agents employed by Banks.
NBFCs complete this training and obtain the IIBF DRA certificate. In short. No bank or NBFC can deploy a recovery agent who is not DRA-certified.
Why the DRA Certificate Matters
The DRA certification is not just a formality - it is a regulatory must-have. A career booster. The course is designed to:
- Improve functional knowledge of banking products, processes, procedures and policies.
- Build soft skills and competency for collection through fair practices.
- Bridge the knowledge gap about bank products, policies and procedures.
- Sharpen skills in collection, recovery and repossession of securities, plus interpersonal conduct.
If you work in collections, a BPO, a call centre, a DSA/DMA or a recovery agency, this certificate is your entry ticket. Pair your prep with our mock tests and free guides to fast-track it.
IIBF DRA Exam Date 2026 & Registration Dates
IIBF announces the DRA. DRA Tele-callers exam dates on its official website. Usually quarter by quarter. The exam is conducted online. Generally once every month - so you rarely have to wait long for a slot.
Because IIBF revises its calendar from time to time. You should confirm the exact date on the latest official IIBF notification. The table below shows the typical structure of an IIBF DRA exam schedule so you know what to look for.
| Examination | Registration Window | Exam Date |
|---|---|---|
| Ce-DRA &/or Ce-DRA-TC | Opens about 3-4 weeks before exam (confirm on IIBF notification) | A designated Saturday each month |
| Ce-DRA &/or Ce-DRA-TC | Monthly window; late registration with extra fee | Next month's designated Saturday |
Note: Exact registration start/end dates and exam dates change each cycle. Always cross-check the current IIBF DRA notification on iibf.org.in before paying.
How to Read the IIBF Notification
When IIBF publishes the schedule. Look for three things: the registration start date. The registration end date (plus any extended/late window).
And the exam date. The cut-off date for current-affairs. Regulatory updates is also listed - questions are framed on developments up to that date.
IIBF DRA Exam Fees 2026
The DRA exam fee is the same for IIBF members and non-members. Always add applicable taxes (GST) on top. And remember that fees once paid are non-refundable.
| Attempt | Fee (Members & Non-Members) |
|---|---|
| First Attempt | Approx. Rs 1,200 + GST (confirm on latest IIBF notification) |
| Each Subsequent Attempt | Approx. Rs 1,200 + GST (confirm on latest IIBF notification) |
| Late / Extended Registration | Additional late fee of about Rs 200 + GST |
GST is typically charged at 18%. The exact fee. Tax rate may change - verify on the official IIBF DRA notification before payment.
DRA Exam Eligibility Criteria
The eligibility bar for the IIBF Debt Recovery Agent exam is deliberately accessible. So candidates from many backgrounds can apply.
- Qualification: Minimum SSC (10th standard) pass or above.
- Age: The candidate must have completed 18 years at the time of applying for training.
- Mandatory training (by qualification):
- 10th standard up to (but not including) graduation = 100 hours of training.
- Graduation and above = 50 hours of training.
- BPO / call-centre employees: If graduate or above. Only 50 hours of training as per the schedule provided to banks or accredited institutes.
Training Exemption
Retired bank officers aged 60 years. Above with wide recovery experience may be exempted from training or certification -. This is entirely at the discretion of the concerned bank for appointments they make.
How to Get the DRA Certificate: Step-by-Step
The final IIBF DRA certificate is earned through a clear, four-stage process. Follow it in order.
- Complete DRA training (50 or 100 hours) from any IIBF-accredited DRA training institute. As per your eligibility.
- Receive the DRA Training Certificate from that training institute.
- Apply for the DRA examination with IIBF - often the training institute registers you.
- Appear, pass and receive the DRA Certificate from IIBF.
In one line: DRA Training → DRA Training Certificate → DRA Exam → DRA Certificate from IIBF.
Who Can Provide DRA Training?
DRA training for collection/recovery personnel can only be offered by:
- IIBF-accredited training institutions (list available on iibf.org.in).
- Notified Bank/NBFC training establishments.
- Notified Bank/NBFC training establishments that have informed IIBF they will undertake DRA training for their own bank or NBFC.
IIBF DRA Exam Pattern 2026
The DRA exam pattern is straightforward. Beginner-friendly - it is fully objective with no negative marking. So you should attempt every question.
| Parameter | Details |
|---|---|
| Number of papers | 1 (DRA) |
| Number of questions | 90 MCQs |
| Maximum marks | 100 |
| Qualifying marks | 50 |
| Duration | 90 minutes (1.5 hours) |
| Mode | Online only |
| Negative marking | No |
| Medium (DRA) | English, Hindi & vernacular (Marathi, Kannada, Gujarati, Oriya, Bengali, Tamil, Malayalam, Telugu, Assamese) |
| Medium (DRA Tele-callers) | English only |
Passing Criteria & Time Limit
You must score at least 50 marks out of 100 to pass. Candidates get 9 months and 3 attempts to clear the exam. Counted from the date of DRA training.
If you do not clear it within this window. You must re-enrol - complete training again. Then register afresh for the certificate exam.
Mobile Phones & Calculator Rules
Discipline matters in the exam hall. Keep these rules in mind:
- Mobile phones and smart gadgets are banned. Mere possession - even switched off or on silent - is treated as use of unfair means.
- A basic calculator is allowed: battery-operated. Portable. Up to 8 functions (add. Subtract, multiply, divide, percentage, square-root, tax+, tax-) and a 12-digit display.
- Scientific calculators are not allowed. Anything with extra features counts as unfair means.
IIBF DRA Syllabus 2026
The DRA syllabus is compact and divided into two modules. Master both and you cover the entire paper.
| Module | Unit | Key Content |
|---|---|---|
| A | Basics of Banking | Principles of banking, structure & functions, retail banking, recent trends, e-banking, KYC norms |
| Brief Outline of Products | Credit cards, home loans, consumer loans, agriculture credit products, etc. | |
| B | Soft Skills | Communication, interpersonal & negotiation skills, telephone etiquette, analytical ability, behaviour |
| Code of Ethics | RBI & bank guidelines, fair-practice code, case studies and case laws |
Because banking rules change rapidly. Do not treat the printed syllabus as the whole story. Track IIBF updates.
RBI Master Circulars/Master Directions. And IIBF publications such as IIBF Vision and Bank Quest. Also keep an eye on RBI.
SEBI, BIS, IRDAI and FEDAI websites for current developments.
How to Prepare for the DRA Exam (Smart Study Plan)
With no negative marking and a 50% cut-off. The DRA exam is very crackable - even in a short window. Here is a focused plan that works.
- Days 1-2: Build the base. Read Module A (basics of banking + products). Note key terms like KYC, retail banking and loan categories.
- Days 3-4: Master Module B. Soft skills. The RBI fair-practice code are scoring areas - many questions are direct.
- Day 5: Revise & memorise. Make one-page notes of definitions, RBI guidelines and product features.
- Day 6-7: Practice relentlessly. Solve full-length mock tests under timed conditions. Aim to attempt all 90 questions comfortably within 90 minutes.
Pro tip: Since there is no negative marking. Never leave a question blank. Eliminate obvious wrong options, then make your best choice. A few smart guesses can lift you over the 50-mark line.
Best Study Material for DRA
Strong material makes the difference. Look for full-syllabus video lectures, chapter-wise questions, mock tests and concise PDF notes. Learning Sessions offers exactly this kind of structured DRA prep pack - explore our free guides to get started without spending a rupee.
Admit Card, Result & Certificate
Here is what happens around exam day and after.
- Admit Card: E-mailed to your registered ID about 10 days before the exam. And also downloadable from the IIBF site under 'Examination/Courses > Admit Letter'. Carry a printed admit card plus a photo ID - no entry without both.
- Result: Declared on the IIBF website after the exam. The marksheet is available via your login (membership number + profile password).
- Final Certificate: IIBF sends the DRA Certificate by speed post. Typically within about 2 months of the result.
Common Mistakes to Avoid
Many candidates fail not because the exam is hard. But because of avoidable errors. Steer clear of these:
- Missing the registration window. Set a reminder. Late registration costs extra and the window can close fast.
- Skipping mock tests. Reading is not enough - timed practice builds speed and confidence.
- Ignoring the cut-off date. Current-affairs and regulatory questions follow IIBF's announced cut-off.
- Carrying a banned device. Leave your phone outside; possession alone is a disqualifier.
- Leaving questions blank. No negative marking means every answer is a free shot.
- Relying on outdated notes. RBI guidelines evolve - study from current material. Confirm figures on the latest official IIBF notification.
Frequently Asked Questions (FAQ)
How often is the IIBF DRA exam conducted?
The DRA exam is held online. Generally once a month (sometimes at shorter intervals). So you rarely wait long for a slot. Always confirm the next date on the latest official IIBF notification.
What is the passing mark for the DRA exam?
You must score 50 out of 100 marks to pass. There is no sectional cut-off and no negative marking. So attempt all 90 questions.
How many attempts do I get to clear the DRA exam?
You get 3 attempts within 9 months, counted from your DRA training date. If you do not clear it in that window. You must complete training again and re-enrol.
Is training mandatory before the DRA exam?
Yes. You must complete 50 hours (graduates. Above) or 100 hours (below graduation) of training from an IIBF-accredited institute before appearing.
In which languages can I take the DRA exam?
The DRA exam is available in English. Hindi and several vernacular languages (Marathi. Kannada, Gujarati, Oriya, Bengali, Tamil, Malayalam, Telugu, Assamese). The DRA Tele-callers exam is in English only.
Final Word: Clear Your DRA Exam With Confidence
The IIBF DRA exam is one of the most achievable banking certifications out there - a compact syllabus. A friendly 50% cut-off and no negative marking. With focused study and a few timed mock tests. You can pass in your very first attempt. Often in just a couple of days of serious prep.
Keep this page handy for the latest IIBF DRA exam date 2026. Register on time, and study smart. Your DRA certificate -. A stronger banking career - is well within reach.
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