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: ____________

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.

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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