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Handbook on Debt Recovery 2023 Edition at Meripustak

Handbook on Debt Recovery 2023 Edition by Indian Institute of Banking and Finance, Taxmann

Books from same Author: Indian Institute of Banking and Finance

Books from same Publisher: Taxmann

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  • General Information  
    Author(s)Indian Institute of Banking and Finance
    Publish YearOctober 2023


    Taxmann Handbook on Debt Recovery 2023 Edition by Indian Institute of Banking and Finance

    This book has been prepared to serve as a comprehensive guide for debt recovery agents and their essential role in debt recovery. The book's objective is to provide a deep understanding of the debt recovery process and the various stages and guidelines to be followed by the debt recovery agents.

    This book will be an essential guide for all debt recovery agents, whether they are associated with banks or NBFCs in their recovery process.

    The Present Publication is the 2023 Edition, revised and updated by A.C. Chug (Former Chairman M G B Gramin Bank sponsored by the State Bank Group) and vetted by Dr. R. Bhaskaran (Former CEO – IIBF and Former CGM – NABARD). Taxmann exclusively publishes this book for IIBF with the following noteworthy features:

    [New Section on Non-Banking Financial Companies (NBFCs)] has been added to this book
    [Inputs on Collection/Recovery Function] which includes:
    Basic Information and Principles
    Underlying Credit Collection
    Procedures Involved in the Collection Function
    Codes to be Adopted by Recovery Agent, etc.
    [Additional Features on Collection/Recovery Function] such as:
    Valuable Tips
    Illustrative Real-world Examples
    Best Practices
    [Select Coverage of the Most Important Topics] are as follows:
    Soft Skills and Attributes which are required to be a successful debt recovery agent
    Insights into the Techniques and Methods Required by debt recovery agents to communicate with debtors and improve collections
    Ethical Considerations & Regulatory Framework that govern the work of debt recovery agent
    Consequences of Engaging in Unethical/Illegal Practice along with the importance of treating debtors with respect and dignity
    The detailed contents of this book are as follows:

    Module A – Basics of Banking
    Overview of Banking and Finance
    Banker-Customer Relationship
    Various Deposit Schemes and Other Services
    Account Opening and Operations in Accounts
    Provisions of the NI Act for Payment and Collection of Cheques
    Module B – Brief Outline of Various Products and Legal Aspects of Recovery
    Credit Cards and Debit Cards
    Various Types of Loans and Advances
    Securities and Modes of Registration or Recording Securities
    Loan Documentation
    Income Recognition and Asset Classification
    Legal Aspects of Loan Recovery
    Collection Operations
    Module C – DRA Role in Loan Recovery and Soft Skills
    DRA – Meaning, Legal and Regulatory Framework
    Functions of Debt Recovery Agents
    Policy, Process and Procedure of Debt Recovery
    Soft Skills and Strategies for Debt Recovery
    Rights and Duties of Recovery Agents
    Fair Practices Code for Lenders
    Module D – Additional Reading on NBFCs
    Non-Banking Financial Companies (NBFCs)
    Fair Practices Code (FPC) for NBFCs
    RBI Circular on Recovery Agents Engaged by Banks
    IBA – Model Policy on Collection of Dues and Repossession of Security
    Case Laws on Payment of Cheques and Liability of Paying Banker
    RBI Guidelines on Managing Risks and Code of Conduct in Outsourcing of Financial Services by Banks
    Case Laws on Repossession and Enforcement of Securities
    Glossary of Banking Terms
    Some of the Important Cases Dealt by the Banking Ombudsman Offices
    Outsourcing of Financial Services – Responsibilities of Regulated Entities Employing Recovery Agents

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