Category : general
Course Id: NAR/N3038
The Debt Recovery Agent course equips individuals with the necessary skills and knowledge to effectively recover overdue payments for financial institutions, focusing on legal and ethical recovery methods, negotiation techniques, and client interaction.
Available Languages for Introductory video:
Principles of Banking and Functions of Banks
Introduction to DRA
Types of Banks
Main Functions of Banks
Introduction to Banking and RBI Acts
Awareness about NBFCs
Various Bank Services
Important Products of Banks
Introduction to Digital Banking
Overview of RBI and Bank Rules
General Insurance and Agricultural Crop Insurance
KYC Compliance - Documents Required for Opening Accounts
Bank Customer Relationship
Relationship Between Bank and Customer
Principles of Lending
Selection of Good Borrowers
Verification and Scrutiny of Borrowers and Documents
Classification of Loans and Advances
Right Purpose, Right Amount, and Right Place
Priority Sector and Loan Advancement
Introduction to Priority Banking
Repayment Terms for Different Types of Loans
Follow-Up and Recovery Steps
Government Schemes in Loans and Advances
Term Loans and Working Capital Concepts
Lending Norms of Banks
RBI New Lending Norms
Lending Standards and Loan Policy
Appraisal of Loan Proposals
Interest Rates and Methods of Calculation
Margin
Repayment Terms for Different Types of Loans
Security Norms
Insurance and Other Lending Aspects
Retail Lending Schemes
Concept of Retail Lending
Consumer Durable Loans
Home Loans
Education Loans
Vehicle Loans
Personal Loans
Agriculture Loans
Property Loans
Non Priority Gold Loans
Securities and Modes of Creation of Charge
Noting of Lien
Pledge
Hypothecation
Charge on Land
Simple and Equitable Mortgage
Assignment
Registration of Charge
Personal Guarantee
Co Obligation
Summary - Modes of Charge and Asset Types
Digital Banking and Remittance Methods
Summary of Digital, Mobile, and Internet Banking
NEFT
RTGS
Intra-Bank Money Transfer
Interbank Money Transfer
RuPay Cards
Credit Cards
Debit Cards
Introduction to Loan Apps and Their Working
Identification of Frauds
Working of Bank-Authorized Apps
Online Frauds and Legal Defense
Summary NEFT, RTGS, Debit and Credit Cards
Methods of Recovery of Advances
Methods of Recovery
Important Recovery Plans
Ensuring Proper End Use of Loans
Importance of Prompt Repayment
Introduction to NPA
Consequences of Delay or Non Repayment of Loans
Sending Timely Notices
Personal Contacts
Legal Notices
Seizure of Movable Assets
Filing Applications under State Recovery Acts
Filing Suits in Court of Law
Gathering Information on Other Securities
Legal Aspects of Recovery
Bank Recovery of Advances
Recovery Policy of Banks & OTS Schemes
Recovery Policy of Banks and OTS
Interaction with Legal and Recovery Officers
RBI and Government Guidelines on Recovery Agents
SARFAESI Act
Securitisation and Reconstruction of Financial Assets
Recovery of Debts and Bankruptcy Act, 1993
Limitation Period for Recovery Suits by Banks
Recent Trends
Interaction with Successful Debt Recovery Cases
Case Studies - 1
Call Based Recovery
Case Studies - 2
Case Study of OTS and SARFAESI Act
Revision of Topics for Case Studies
Important Certifications in Banking