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This web-based training course on DRA functionality, administration and development, is available online to all individuals, institutions, corporates and enterprises in India (New Delhi NCR, Bangalore, Chennai, Kolkatta), US, UK, Canada, Australia, Singapore, United Arab Emirates (UAE), China and South Africa. No matter where you are located, you can enroll for any training with us - because all our training sessions are delivered online by live instructors using interactive, intensive learning methods.

DRA or Debt recovery agent training course deals with providing knowledge and information to personnel dealing in the recovery of debt products in accordance with procedure which has been mandated by the RBI. Various domains of knowledge and expertise is required to excel as a debt recovery agent such as knowledge of the legal aspects of debt recovery, rights and duties of debt recovery agents, skills and strategies required for debt recovery and being in the ethical limits to recover debts. Debt recovery is a sensitive job profile which requires high levels of communications skills and understanding of legal and ethical prospects.

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Course Details

This consultative learning solution on DRA provides in depth understanding and knowledge of the various skills and knowledge required for the rightful knowledge inculcation in order to become an effective Debt Recovery agent. The various public dealing skills, inter-personal skills and legal and ethical issues will be explored extensively in this domain. The course comes with the unique option of being modified and optimized as per the exact requirements of the client so that the end organizational goals are met. The learning solution is provide through expert instructors who have worked in this field extensively.

Basics of Banking

  • Principles of Banking
  • Structure of Banking
  • Function of Banking

Customer Relationship

  • Customer and relationships types
  • Secrecy and Disclosure
  • Precautions while disclosing


  • Basics of KYC
  • KYC Norms
  • Key elements of know customer
  • Money laundering


  • Basics of E-banking
  • E-banking products

Compliance and Legal

  • Consumer Rights and Importance
  • Legal aspect of agent's contract

Banking Products

  • Loans
  • Credit Products
  • Debit Cards
  • Other Banking Products

Functions of DRA

  • Dues Collection
  • Remittance of collected funds
  • Book Keeping
  • Re-possession of security
  • Legal action
  • Tracing debtors


  • General Guidelines
  • Debt recovery processes and procedure
  • Skills and Strategies of Debt Recovery
  • Communication skills
  • Listening skills
  • Inter-personal skills
  • Persuasive skills
  • Negotiation skills
  • Dealing with difficult debtors

Rights and Duties on DRA

  • Right to Remuneration
  • Right to Retainer
  • Right to Compensation
  • Right to Indemnity
  • Follow Instructions
  • Follow Trade Customs
  • Exercise Care and Skill
  • Communicate
  • Render Accounts
  • Remit Money
  • Asset Classification
  • Basics
  • Standard Assets
  • Sub-standard Assets
  • Doubtful Assets
  • Loss Assets

Notices and Forms

  • Acknowledgement Letter
  • Impound Order
  • Authorization to take possession
  • Skip tracing work Sheet

International Debt Recovery Practices

  • Introduction
  • Practices in the USA
  • Practices in the UK
  • Debt Collectors - do's and don'ts

Code of Ethics

  • Organizational Guidelines
  • RBI Guidelines

Planning and Organizing Techniques

  • Planning Techniques
  • Organizing Techniques
  • Time Management

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