Application for loan closure letter and NOC

Use this after you have fully repaid a loan, to ask the bank for a closure letter, a no-dues certificate and the return of your original documents.

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To The Branch Manager, [Bank Name], [Branch Name] Date: [Date] Subject: Request for loan closure letter and no-dues certificate Respected Sir/Madam, I took a [Type of Loan, for example car loan] from your branch. The loan account number is [Loan Account Number]. I paid the last instalment and all dues on [Date of Final Payment]. I request you to kindly: 1. Issue a loan closure letter and a no-dues certificate (NOC). 2. Return my original documents: [Documents Held by the Bank]. 3. [Any Other Request, for example give the papers to remove the hypothecation from my vehicle's registration]. Thanking you, Yours faithfully, [Your Name] Loan Account No.: [Loan Account Number] Mobile: [Mobile Number] Signature: ____________

When to use this letter

Use this once the last instalment or the final payoff of a loan has been made and has cleared. The loan is not truly finished until you hold the lender's letter saying that nothing is due and have your original papers back. Do not leave this for later, as staff and records change.

Before you send it

Ask for a statement of the loan account that shows a nil balance, along with the NOC.
List every original document the bank holds, such as the sale deed or share certificates, and check each one when it is returned.
For a vehicle loan, the bank's NOC is needed to remove the hypothecation at the RTO. Ask the bank which forms it will sign.
Keep the closure letter and NOC safely for good. You may need them when you sell the property or vehicle.

How to send or submit it

Submit it at the branch or the loan centre that handled the loan, or raise the request through the lender's customer service if it works that way. Collect the original documents in person, check them against the list you were given when the loan was taken, and sign for them only after checking.

Mistakes that get it sent back

A small amount, such as a final charge or interest for a few days, is still outstanding.
The loan account number is wrong.
The request was made by one borrower when the loan has co-borrowers who also need to sign.
The original documents are held at another office and nobody was asked to send for them.

This is a general format, written by us, to save you time. If the bank has its own printed form, use that form. Last checked: 11 November 2026.

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