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Sample Certificate


Certified Debt Recovery Agent

Indian : Rs.4129
International : $70

Vskills certification for Debt Recovery Agent assesses the candidate as per the company’s need for recovery of debt products which are to be recovered as per the procedures mandated by RBI. The certification tests the candidates on various areas in debt recovery, RBI guidelines and ethics which include the knowledge of legal aspects of debt recovery, debt products, computers, functions of an debt recovery agent, skills and strategies for debt recovery and right and duties of an debt recovery agent.


This certification is intended for professionals and graduates wanting to excel in their chosen areas. It is also well suited for those who are already working and would like to take certification for further career progression. Earning Vskills Debt Recovery Agent Certification can help candidate differentiate in today’s competitive job market, broaden their employment opportunities by displaying their advanced skills, and result in higher earning potential.


Job seekers looking to find employment in Banks, Electricity companies, Mobile companies and recovery agencies or recovery departments of various companies, students generally wanting to improve their skill set and make their CV stronger and existing employees looking for a better role can prove their employers the value of their skills through this certification. An individual can also start an debt recovery agency of own and be self-employed.


Debt Recovery agents are in great demand. Companies specializing in debt recovery or bills recovery are constantly hiring skilled debt recovery agents. Various public and private companies also need debt recovery agent for their debt recovery departments.


Basics of Banking

  • Principles of Banking
  • Structure of Banking
  • Function of Banking
  • Deposits Opening and Operations
  • Deposits and Types

Customer Relationship

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


  • Basics of KYC
  • KYC Norms
  • Key elements of know your customer
  • Money laundering
  • Role of Banks


  • Basics of E-banking
  • E-banking products

Compliance and Legal

  • Consumer Rights and Importance
  • Legal aspect of agent’s contract
  • Features and elements of debt recovery
  • Legal and regulatory framework for debt recovery

Banking Products

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

Other Credit Products

  • Electricity Bill
  • Mobile Bills
  • Other Credit Products

Functions of DRA

  • Dues Collection
  • Remittance of collected funds
  • Book Keeping
  • Documenting & Reporting
  • Re-possession of security
  • Legal action
  • Tracing debtors
  • Compilation of opinion reports

Debt Recovery Procedure

  • General guidelines
  • Debt recovery policy
  • Debt recovery processes
  • Debt recovery procedure
  • Skills And Strategies Of Debt Recovery
  • Skills Needed
  • Communication skills
  • Listening skills
  • Inter-personal skills
  • Persuasive skills
  • Negotiation skills
  • Dealing with difficult debtors
  • Strategy for recovery

Rights And Duties On DRA

  • Introduction
  • Right to remuneration
  • Right to retainer
  • Right to compensation
  • Right to indemnity
  • Duty to follow instructions
  • Duty to follow trade customs
  • Duty to exercise care and skill
  • Duty to communicate
  • Duty to render accounts
  • Duty to remit money
  • Duty not to delegate
  • Duty of confidentiality
  • Asset Classification
  • Basics
  • Standard Assets
  • Sub-standard Assets
  • Doubtful Assets
  • Loss Assets

Notices and Forms

  • Acknowledgement Letter
  • Assignment form Impound order
  • Authorization to take possession
  • Bid Form
  • Condition Reports
  • Personal Property Inventory
  • Personal Property Notification Letter
  • Personal Property release form
  • Skiptracing work Sheet
  • Transport Release
  • Vehicle Release Debt

International Debt Recovery Practices

  • Introduction
  • Practices in the USA
  • Practices in the UK
  • Debt Collectors – don’ts
  • Debt Collectors – do’s

Code of Ethics

  • Organizational Guidelines
  • RBI Guidelines

Basic Arithmetic

  • Multiplication
  • Division
  • Fraction
  • Percentages

Communication Skills

  • Importance of Communication
  • Basics of Communication
  • Communication types
  • Communication Barriers
  • Verbal Communication
  • Non-Verbal Communication
  • Communication Skills Development
  • Business Letter

Etiquette, manners and grooming

  • Etiquette
  • Grooming
  • Manners

Planning and organizing techniques

  • Planning Techniques
  • Organizing Techniques
  • Time Management

Stress Management

  • Stress Management
  • Causes of Stress
  • Signs of stress
  • Techniques of Stress Management

Team Work

  • Formation of a Team

Computers Basics

  • Introduction - What is Computer?
  • Characteristics of computer
  • Commonly Used Computer Terms
  • Units of a computer system
  • Representation of information
  • Basic Operations of a Computer – Input, Process and Output
  • Input Devices
  • Output Devices
  • Storage Devices
  • Types of Software
  • Disk Organization Terms

Windows XP

  • Operating System
  • User Interface
  • Windows XP Professional
  • Using the Mouse
  • The Desktop
  • The Task Bar
  • The Start Menu
  • Windows Explorer
  • The Control Panel


  • File Management
  • Moving in a document
  • Selecting Text
  • Printing of documents
  • Previewing a document
  • The Formatting Toolbar Icons
  • Editing Text
  • Headers and Footers
  • Font Formatting
  • Bullets and Numbering
  • Document Enhancement
  • Drop Capital
  • Change Case
  • Multiple Columns
  • Mail Merge
  • Tables


  • MS-EXCEL Window Elements
  • File Management
  • Page Setup
  • Preset Headers and Footers
  • Printing document
  • Selecting cells and data ranges
  • Editing data
  • Functions in Excel

MS-Power Point

  • Loading of PowerPoint
  • Starting with a presentation
  • File Management
  • Different Views
  • Editing the document
  • Modifying the document
  • Working of a Slide Show


  • Networking Concepts
  • Network types
  • Internet
  • Windows Networking terms
  • Sharing Local Printer
  • Connecting to a Network Printer
  • Email
  • Sending an E-mail Message from Outlook
  • Sending email from Google’s Gmail
  • Download from Internet
Frequently Asked Questions

What is Vskills?

VSkills is a “skills testing” and certification exam conducted by - ICSIL, A Govt of India Undertaking and Govt of NCT Delhi Company. Vskills is a testing and certification programme focused on prior learning. Through Vskills Assessments, individuals with learning acquired outside of a formal classroom setting have the opportunity to get certified by appearing in standardized exams conducted throughout the nation at proctored centres.

What is Vskills Certification?

Vskills Certification is a professional skill test that is conducted to assure that a person is qualified to perform a job. It is a proof that the candidate has the requisite skills to do a job.

What are the benefits that I will get by taking Vskills Certification Exam?

Some of the benefits that you get on taking Vskills Certification exam are listed below,-

- Develop skills that are valued by experts in the industry
- Vskills Certifications opens avenue for candidates in various sectors
- Vskills Certification provides an opportunity to get certified in areas where you are not formally educated
- Vskills Certification enhances the chances of employment
- CVs of certified candidates are flagged on Monster India website as “Vskills Certified candidates” to employers.
- CVs of certified candidates are also tagged on website as “Vskills Certified candidates” to employers.
- CVs of all Vskills Certified candidates is shared with relevant employers for employment - Vskills Certified candidates are a part of the Job Centre for Life
- Vskills provides supplementary preparation material (hard copy or online videos) to candidate for easing the process of preparation.
- Vskills assessment exams are structured and regularly updated according to the industry standards
- Vskills Certifications do not require any time commitment since it is only a test and not classroom teaching.

What is the duration of the course?

There is NO course duration for all certification exam. Exams are conducted on monthly basis and candidate has the flexibility to select the exam date from Exam Calender as per their per feasibility. Student can give the exam any time between 1 year from the date of enrollment.

What is the eligibility for registration?

There is no minimum qualification for taking up Vskills Certification Exam, so it is for everyone – from day to day users to senior management, say - Employees - Employers - Students - Teachers - Businessmen and Entrepreneurs - Housewives/Retired Professionals, etc

What is the duration of the exam?

Vskills Certification Exam is for one hour (1 hour) duration.

What type of questions are asked in the exam?

Vskills Certification Exam has 50 multiple choice questions (1 marks each), with no negative marking.

What is the passing percentage?

Passing percentage is 50% i.e., 25 marks need to be scored in order to clear the exam.

When is the the exam conducted?

Vskills Certification Exams are conducted on monthly basis and candidate has the flexibility to select the exam date from Exam Calender as per their per feasibility.

How many attempts can I give for a certification exam?

One exam attempt per registration with no limit on re-appearance.

Can I reschedule the exam?

Yes, candidate can re-shedule the exam till the date of exam after paying the re-schedule fees.

If I fail, what is the procedure to be followed for reappearing in the exam?

In case a candidate is unable to clear the exam then, candidate can register for exam retake by paying for registration fees of Rs. 1250/- but no reading material is sent.

Does the exam is available only in India?

Candidates residing outside India can register for specific certifications as listed under the international students by appearing in online open book exam.

Can I take two or more certification exams at one time?

Yes, candidate can take two or more exams at one time.

How tough will be the paper?

The certification exam is meant to assess the ability of the student in the particular domain and checks entry level to medium level skills in that particular domain. If you know the domain area, and have studied the accompanying material well, you will have no difficulty in passing the exam.

Do you provide any sample questions?

Practice tests are provided under every certification.

What is the duration of the certification?

There is no minimum duration of certification. You may register when you want; we suggest that minimum 30 days should be kept to go over the material provided at the time of registration.

Is the exam available for international candidates?

Yes, candidates residing outside India can follow the process for international students.

What kind of placement support is provided?

Vskills provides placement support to certified candidates as - CVs of certified candidates are flagged on Monster India website as “Vskills Certified candidates” to employers. - CVs of certified candidates are also tagged on website as “Vskills Certified candidates” to employers. - CVs of all Vskills Certified candidates is shared with relevant employers for employment - Vskills Certified candidates are a part of the Job Centre for Life

In case I am unable to take the exam will my fees be refunded?

As a policy under no circumstances will the fees be refunded to the candidate after registration, unless there is a situation that is unavoidable.

When is the result declared?

Result indicating pass or fail is told to candidate after finishing of the exam. Hard copy certificate and performance report is sent to candidates who had cleared the exam. Soft copy certificate is also e-mailed.

Is the material provided by you sufficient from exam point of view or should I refer other sources?

The study material provided by Vskills is a guideline for your exam, but you can refer to other sources for further clarity on any topic.

Are there any classes provided by you to prepare for the exam?

Vskills does not offer classes for any certification exam. The candidates have to prepare on its own for the exam. NO CLASSES are provided by Vskills.

Do you charge extra for placement assistance?

There are no charges apart from the registration fees or exam re-take in case candidate is unable to clear the certification exam.


V skills

VSkills is a “skills testing” and certification exam conducted by - ICSIL, A Govt of India Undertaking and Govt of NCT Delhi Company. It is one of the largest manpower companies of the government of NCT Delhi. VSkills certifications help candidates quantify and prove their skills in a particular domain - skills that are valued by the employer and are in great demand. Your Vskills Certificate is a proof that you have the requisite knowledge and makes you job ready - which is why employers rate VSkills certifications and look for people who have them.

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