How to get No-Dues Certificate
After repaying your loan in full, you can request a no-dues certificate from the bank. This confirms that all payments are cleared and the loan is completely closed.
Table of Contents
A No Objection Certificate (NOC) or No-Dues Certificate confirms that a person has no pending dues with a bank or financial institution. It is issued after the borrower completes the full and final settlement. If the bank does not provide it, you can submit an application requesting the certificate.
How to Write an Application Requesting a No-Dues Certificate
A no-dues certificate is issued by the branch manager of the bank from where you have taken the loan. If you haven’t received the no-due certificate from your lender, you need to write a letter to the branch manager of the bank requesting to issue the no-due certificate.
The format of the no-due certificate includes the address of the receiver, date, subject, body of the letter that mentions all the details, and the closure of the letter. Once the bank verifies all the details of your loan clearance, they will issue the no-dues certificate to you. Now let us have a look at the format of the letter requesting a no-dues certificate from the bank.
No-Dues Certificate Format
Mr/ Ms X
Address:
Date:
The Branch Manager
XYZ Bank
Address:
Subject: Request to issue to No-Due Certificate from the bank for loan
Respected Sir/ Madam
With a humble request, myself Mr/ Ms. X, a resident of (Address) beg to state that all the pending dues against the loan of Rs. X lakhs with loan account number XXXXXXXX are cleared. I request you to kindly issue the No Objection Certificate from the bank. I shall be highly obliged if the certificate is issued to me at the earliest.
Thank You
Yours sincerely
(Signature)
Mr/ Ms X
Contact Number: XXXXXXXXXX
FAQs on No-Dues Certificate
- How to get a no-dues certificate from a bank?
In order to get a no-due certificate from a bank, you need to clear all the pending dues of your loan. Once you have completed the full and final settlement, you can write a letter to the bank manager requesting them to issue the certificate.
- Why is a no-due certificate important?
The No-Due Certificate explains that a person is debt free from a bank or any other financial institution.
- To whom shall I address to send the bank no-due certificate?
You need to write a letter to the branch manager requesting the bank to issue the certificate.
- What is the format of a no-due certificate from a bank?
The format of a no-due certificate from a bank includes sender’s address, receiver’s address, date, subject, body of the letter, and the closure of the letter mentioning the sender’s name and signature.
- Is a No Objection Certificate and a No-Due Certificate the same?
Yes, a No Objection Certificate and a No-Due Certificate are the same.
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