DRA

consultation with Indian Institute of Banking and ... To develop competence and soft skills for collection through fair practices. ... Principles of B...

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INDIAN INSTITUTE OF BANKING & FINANCE (An ISO 9001 - 2008 CERTIFIED ORGANISATION) Kohinoor City, Commercial-II, Tower-1, 2nd Floor, Kirol Road, Kurla (West), Mumbai - 400 070

Web-site : www.iibf.org.in

Certificate Examination for Debt Recovery Agents / DRA Tele-callers Rules & Syllabus 2015 Reserve Bank of India has advised the Indian Banks' Association to formulate, in consultation with Indian Institute of Banking and Finance (IIBF), a certificate course for Debt Recovery Agents who have undergone 100 / 50 hours of training. RBI has also stipulated that Banks / NBFCs should ensure that within a period of one year all their recovery agents should undergo the above training and obtain the certificate from IIBF. Further, the service providers engaged by Banks / NBFCs should employ only such personnel who have undergone the above training and obtained the certificate for the purpose of recovery from IIBF. The course has been designed through a consultative process with senior executives of Indian Banks Association (IBA) and banks.

OBJECTIVE THIS COURSE AIMS (i) To improve functional knowledge in the areas of banking products, policies, processes and procedures, (ii) To develop competence and soft skills for collection through fair practices. The training aims to bridge the knowledge gap of the Debt Recovery Agents about the bank products / policies / procedures and to sharpen the skill sets in collection, recovery, repossession of securities etc., as well as inter personal behavioral areas. CERTIFICATION PROCESS For obtaining the certificate a candidate should : 1. Join accredited training Institute and undergo 100 / 50 hours training as the case may be; 2. Obtain Training Completion Certificate from the training Institute; 3. Apply for Examination of the Institute; 4. Appear and pass the Examination; 5. Get pass certificate from the Institute. A. TRAINING FOR DRA It has been decided that DRA training for collection / recovery agent / personnel employed by DSA / DMA / DRA or debt collection agency whatever name called can be offered by. a) Training institutions accredited by IIBF (list is available on www.iibf.org.in) b) Training establishments of bank / NBFCs who have been notified by IIBF. c) Training department of banks / NBFCs who have indicated to IIBF to undertake such training for their bank / NBFCs

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The training will primarily focus on skill development and improvement of functional competency of collection agents / DRAs and the duration of 100 / 50 hours will be distributed in the following ratio. FUNCTIONAL COMPETENCIES Focus will be on legal procedure and operational aspects of banking more particularly the collection function (25-30 hours out of 100 hours training and 15 / 20 hours out of 50 hours training) Soft skill development. Focus will be on Personnel effectiveness and Interpersonal behaviour (70-75 hours out of 100 hours training and 30-35 hours out of 50 hours training). B. TESTING BY IIBF Once the DRA / DRA Tele-callers training is complete the candidates will apply for the examination to be conducted by IIBF. This test will be in objective type and conducted online once in a month or greater frequency as may be decided from time to time. On successful pass of the test / examination the candidate will be given a pass certificate. C. DUE DILIGENCE Due Diligence will be the responsibility of Banks / Institutions employing the candidates. FOR WHOM (i) Direct Selling Agent / Direct Marketing Agent / Debt Recovery Agent or any other agent, by whatever name call, who is engaged directly or indirectly either for remuneration or for commission in connection with recovery of debt of banks or enforcement of securities in banks. (ii) Any individual who would like to make a career as a Debt Recovery Agent for a bank. ELIGIBILITY (i) Qualification of the candidate : The candidate shall possess the minimum qualification of SSC passed or above, (ii) Age : Candidate must have completed 18 years of age on the date of application for training (iii) Training :

10th Std. Passed and upto graduation Graduation & above

100 hours 50 hours

(iv) Employees of BPO / Call Centres with educational qualification of graduation and above need to undergo only 50 hours of training as per training schedule provided to Banks / Accredited Institutes. Candidate has to submit the following attested copies of documents along with the application form for DRA examination : 1. 2. 3. 4.

Proof of educational qualifications Age proof Address proof (ration card / telephone bill etc.,) Original training completion certificate

PROOF OF IDENTITY Non-members applying for Institute's exams / courses are required to submit a copy of any one of the following documents along with Examination Application Form. Forms without the same shall be liable to be rejected. 2

1) Photo i/card issued by Employer or 2) PAN Card or 3) Driving License or 4) Election Voter's i/card or 5) Passport or 6) Aadhaar Card EXEMPTION : Retired Bank Officers (age 60 years and above) with wide experience in Recovery may be exempted by concerned banks from the training / certification for appointment by them at their discretion. EXAMINATION FEES / REGISTRATION FEES For Members

For Non-Members

First attempt

`1,200/- *

`1,500/- *

Subsequent each attempt

`1,200/- *

`1,500/- *

* Plus Service Tax as applicable (Reg. No. AAATT3309DSD002) MEDIUM OF EXAMINATION DRA Examination will be conducted in English, Hindi and other vernacular languages viz., Marathi, Malayalam, Gujarati, Kannada, Oriya, Bengali, Tamil, Telugu and Assamese. DRA-Tele callers Examination will be conducted in English only. Please refer our web site www.iibf.org.in for update on medium of examination from time to time. PATTERN OF EXAMINATION (i) Each Question Paper will contain approximately 90 objective type multiple choice question, (ii) Examination will be held in off-line / On-line mode as per the notification given on the web site. DURATION OF EXAMINATION The duration of examination will be of one and half hours. PERIODICITY AND EXAMINATION CENTRES (i) The examination will be conducted normally once in a month. However, the Institute will conduct the examination in greater frequency as may be decided from time to time. Please refer our web site www.iibf.org.in for the schedule of examination. (ii) Examination will be conducted on Sunday. (iii) A list of Examination Centres will be provided along with the Examination Application Form. (iv) The list of Examination Centres will be amended from time to time. PASSING CRITERIA Candidate has to secure 50% or more marks in the examination to pass i.e. 50 marks out of 100 TIME LIMIT FOR PASSING THE EXAMINATION (i) Candidates will be required to pass the examination in THREE ATTEMPTS within a period of SIX MONTHS from the date of completion of DRA training. (ii) Candidates not able to pass examination within the stipulated time as stated above are required to re-enroll themselves for the DRA training. After completing the training they can enroll afresh for the examination by submitting examination application form. 3

PROCEDURE FOR APPLYING FOR EXAMINATION Application for examination should be made on-line from the Institute's website www.iibf.org.in. No physical application form will be accepted by the Institute. While submitting the complete Examination Application Form online, the candidate / forwarding institute / bank should ensure that the names are entered in the form as written in their examination certificate (proof of educational qualification) i.e. as it appears in the SSC / 12th std. / Graduation Certificates. The correctness of the name should be ensured to avoid errors in the Passing Certificate to be issued by IIBF. They should also ensure the correctness of the various documents uploaded as they are mandatory and being submitted along with the examination application. The Institute accepts no responsibility whatsoever for delay or inconvenience arising from the candidate's failure to apply in time or if the form is incomplete or failure to furnish all the essential information about himself / herself and the details of his / her examination.

SYLLABUS MODULE - A BASICS OF BANKING Principles of Banking - Structure and Function of Banking - Retail Banking Recent trends - e-banking - KYC norms BRIEF OUTLINE ON VARIOUS PRODUCTS Credit Cards - Consumer Loans - Home Loans - Agriculture credit products etc. MODULE - B Soft skills Communication skills - Inter personal skills - Telephone etiquette - Personal etiquette - Negotiation / Persuasive skills - Analytical Ability - Inter personal behavior CODE OF ETHICS RBI Guidelines Banks guidelines Case studies / Case laws

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STUDY MATERIAL The Institute has published study books to facilitate study and they will be available at outlets / showrooms / distributors of M/s. Taxmann Publication Pvt. Ltd. The price of each book and detailed list of outlets is mentioned below. Candidates may purchase directly from outlets / showrooms / distributors of the above. Candidates who purchase books directly from outlets of publishers will be offered a discount of 20% on the cost price of the book. Candidates desirous of purchasing books by post will not be offered any discount. However, the postage will be borne by publishers. Candidates would be required to send their indent to publishers' outlet along with a Demand Draft for the cost of books. The Demand Draft should be drawn in favour of M/s. Taxmann Publication Pvt. Ltd. (No cheques will be accepted). Candidates are requested not to send any request for the purchase of books to the Institute's Zonal Offices / Corporate Office. Name of the Book

Price

Hand Book on Debt Recovery (English Medium)

`160/-*

Hand Book on Debt Recovery (Hindi Medium)

`195/-*

Hand Book on Debt Recovery (Bengali Medium)

`195/-*

Hand Book on Debt Recovery (Malayalam Medium)

`195/-*

Hand Book on Debt Recovery (Tamil Medium)

`195/-*

Hand Book on Debt Recovery (Marathi Medium)

`195/-*

Hand Book on Debt Recovery (Assamese Medium)

`195/-*

Hand Book on Debt Recovery (Kannad Medium)

`195/-*

* Subject to Change.

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ADDRESSES OF TAXMANN PUBLICATION PVT. LTD. Branches & Showrooms Jaina Book Agency

Krishna Law House

649-A, Girgaum Road, Dhobi Talao,

35-36, Gokhale Market,

Mumbai - 400 002

Opp. Tis Hazari Court, Delhi -110 054

Tel. : 22012143, 22018485

Tel. : 23969866, 23919317

Asia Law House

Book Corporation

Shop No. 10, Aiyangar Plaza,

108, Nandan Complex,

Between UTI & Central Bank

Near Mithkhali Rly. Crossing,

Bank Street Kothi,

Mithakhali, Ahmedabad - 380006

Hyderabad - 500 095

Tel. : 6465385

Tel. : 24742324

Puliani & Puliani

Standard Book Distributors

Ground Floor, Sujatha Complex,

104, Labh Complex, 12-B,

1st Cross Gandhinagar,

Sattar Taluka Society,

Bangalore - 560 009

Opp.Old High Court Rd.,

Tel. : 2265500, 2254052

Ahmedabad - 380 014 Tel. : 7540731,7540732

Modern Law House 1/1, A. D. A. Flat,

Student Book Centre

(Near Bishop Johnson School),

527, Kalbadevi Road,

M. G. Marg, Allahabad - 211001

Opp. Edward Cinema,

Tel. : 2560700, 2560616

Mumbai - 400 002 Tel. : 22050510, 22080668 Commercial House 149, Rajendra Market, Opp. Tis Hazari Court, Delhi - 110 054 Tel. : 23947862, 23947863

Arora Law Agency Shivala Road, Hussainpura, Amritsar - 143 001 Tel. : 2584548 Commercial Book House LG-2, 23, Aakarshan Bhawan, Anasari Road, Darya Ganj,

Book Corporation

New Delhi - 110 002

4, R. N. Mukherjee Road,

Tel. : 23267860

Kolkata - 700 001 Tel. : 22101089, 22206669, 31000405

M/s. Taxmann Publication Pvt. Ltd. 35, Bodke Building, M.G. Road,

Student Agencies (I) Pvt. Ltd.

Opp. Mulund Railway Station,

102, Konark Shram,

Mulund (West), Mumbai - 400 080

Behind Everest Building,

Tel. : 022-25934807/32516684/25644807

156,Tardeo Road, Mumbai - 400 034

E-mail: [email protected]

Tel. : 2351334-37

M/s. Taxmann Publication Pvt. Ltd.

C. Sitaraman & Co.,

59/32, New Rohtak Road, New Delhi - 110 005

37, Royapettah High Road,

Tel. : 011-45562222

Chennai-600 014

E-mail: [email protected]

Tel. : 28111516, 28117069, 28113950

M/s. Taxmann Publication Pvt. Ltd.

Law Point

7, Abhinav Arcade, Ground Floor,

6C, R. N. Mukherjee Road,

Nr. Bank of Baroda, Pritam Nagar,

Opp. Birla Building, Stephen House,

Paldi, Ahmedabad - 380 007

Kolkata - 700 011

Cell : 9909984900

Tel. : 22101821

E-mail: [email protected] 6

COURSES OF IIBF Flagship Courses (for Members*) ☞ JAIIB ☞ CAIIB ☞ Diploma in Banking & Finance (Only for Non-Members) B. Specialised Diploma Courses (for Members* and Non-Members**) ☞ Diploma in Treasury, Investment and Risk Management ☞ Diploma in Banking Technology ☞ Diploma in International Banking and Finance ☞ Advanced Diploma in Urban Co-operative Banking ☞ Diploma in Commodity Derivatives for Bankers ☞ Advanced Wealth Management Course ☞ Diploma in Home Loan Advising C. Certificate Courses (for Members* and Non-Members**) ☞ Certificate in Trade Finance ☞ Certified Information System Banker ☞ Certificate in Anti-Money Laundering / Know Your Customer ☞ Certificate in Quantitative Methods for Bankers ☞ Certificate in Credit Cards for Bankers ☞ Certificate Examination in Banking Oriented Paper in Hindi ☞ Certificate Examination in SME Finance for Bankers ☞ Certificate Examination in Customer Service & Banking Codes and Standards ☞ Certificate Examination in CAIIB - Elective Subjects ☞ Certificate Examination in Basics of Banking / Credit Card Operations / Functions of Banks for employees of IT Companies ☞ Certificate Course for Business Correspondents / Business Facilitators ☞ Certificate Examination for Debt Recovery Agents ☞ Certificate Examination in IT Security ☞ Certificate Examination in Rural Banking Operations for RRB Staff ☞ Certificate Examination in Prevention of Cyber Crimes and Fraud Management ☞ Certificate Examination in Foreign Exchange Facilities for Individuals ☞ Certificate Examination in Microfinance D. Specialised Blended Certificate Courses ☞ Certified Bank Trainer ☞ Certified Banking Compliance Professional ☞ Certified Credit Officer ☞ Certified Treasury Dealer ☞ Project Finance Management with IFMR, Chennai E. Management Courses ☞ Advanced Management Program ☞ CAIIB linked MBA with IGNOU. Educational support : ☞ Publishing specific courseware for each paper / examination and Workbooks etc. ☞ Classroom learning through Accredited Institutions, Video Classes, e-learning through Portal, Contact Classes or Campus Training - Model Questions and subject updates on the net Other activities : ☞ Research, Seminars, Conferences, Lectures, etc. ☞ Publications of books, Daily e-newsletter, monthly newsletter and quarterly journal ☞ Training & Consultancy and Financial Education * Members are employees of Banks and Financial Institutions who have enrolled as members of IIBF. ** Non-Members are eligible candidates for each course / examination without IIBF Membership. The Rules & Syllabus and other information pertaining to the examinations are available with Institute's Offices at Mumbai, Chennai, New Delhi, Kolkata and also at such other centers / offices as may be notified from time to time. The same is also available at our website www.iibf.org.in. A.

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MEMBERS OF THE GOVERNING COUNCIL (As on 01/01/2013) PRESIDENT

Shri B. A. Prabhakar, Chairman & Managing Director, Andhra Bank

Shri K. R. Kamath, Chairman & Managing Director, Punjab National Bank

Representing Financial Institutions

VICE PRESIDENTS

Shri T. C. A. Ranganathan, Chairman & Managing Director, Export - Import Bank of India

Shri M. V. Tanksale, Chairman & Managing Director, Central Bank of India Shri Rana Kapoor, Managing Director & Chief Executive Officer, YES Bank

Representing Private Sector Banks

Representing Reserve Bank of India

Shri Ananthakrishna, Chairman & Managing Director, Karnataka Bank Ltd.

Shri S. Karuppasamy, Executive Director

Representing Co-operative Banks

Representing State Bank of India and its Associate Banks

Shri S. K. Banerji, Managing Director, The Saraswat Co-op. Bank Ltd.

Shri Pratip Chaudhuri, Chairman, State Bank of India

Representing other Bodies / Experts Prof. Y. K. Bhushan, Senior Advisor, ICFAI Business School

Shri B. V. Choubal, Deputy Managing Director & CDO, State Bank of India

Shri Allen C. A. Pereira, Director, National Institute of Bank Management (NIBM)

Shri M. Bhagavantha Rao, Managing Director, State Bank of Hyderabad

Dr. K. Ramakrishnan, Chief Executive, Indian Banks’ Association (IBA)

Representing Public Sector Banks Shri Arun Kaul, Chairman & Managing Director, UCO Bank

Prof. H. Krishnamurthy, Cheif Research Scientist, Indian Institute of Science

Shri M. Narendra, Chairman & Managing Director, Indian Overseas Bank

Shri B. Sambamurthy, Director, Institute for Development and Research in Banking Technology

Shri T. M. Bhasin, Chairman & Managing Director, Indian Bank

Shri A. S. Bhattacharya, Director, Institute of Banking Personnel & Selection

Smt. Vijayalakshmi Iyer, Chairperson & Managing Director, Bank of India

From IIBF

Smt. Shubhalakshi Panse, Chairperson & Managing Director, Allahabad Bank

Dr. R. Bhaskaran, Chief Executive Officer

ADDRESSES FOR CONTACT Corporate Office :

Northern Zonal Office :

Western Zonal Office :

Indian Institute of Banking & Finance 109-113, Vikrant Towers, 1st Floor, 4, Rajendra Place, New Delhi - 110 008 Tel. : 91-011-2575 2191/92 Fax : 91-011-2575 2193 E-mail : [email protected]

Indian Institute of Banking & Finance 191-F, Maker Towers, 19th Floor, Cuffe Parade, Mumbai - 400 005 Tel. : 022-2218 3302 / 2218 5134 Fax : 022-2218 0845 E-mail : [email protected]

Southern Zonal Office :

Eastern Zonal Office :

Indian Institute of Banking & Finance No.94, Jawaharlal Nehru Road, (100 Feet Road), Opp. Hotel Ambica Empire, Vadapalani, Chennai - 600 026 Tel. : 044-2472 2990/2472 7961 Fax : 044-2472 6966 E-mail : [email protected]

Indian Institute of Banking & Finance 408, 'Anandlok', 'A' Block, 4th Floor, 227, Acharya J. C. Bose Road, Kolkata - 700 020 Tel. : 033-2280 9681/82/83 Fax : 033-2280 9680 E-mail : [email protected] 8

Quality Printers (I) Ph. 24922297

Indian Institute of Banking & Finance Kohinoor City, Commercial-II, Tower-1, 2nd Floor, Kirol Road, Kurla (West), Mumbai - 400 070 Tel : 022-2503 9746 / 9604 / 9907 Fax : 022-2503 7332 E-mail : [email protected]