No Dues Certificate: What it is and How to Get One After Loan Closure
Disclaimer: This article is for general information/education and is not investment advice. The information is shared in good faith and for general informational purposes only. Ujjivan SFB does not make any representations or warranties regarding the accuracy, completeness, or reliability of the content.
October 16, 2026
A No Dues Certificate (NDC) is a document from your bank confirming that you have no outstanding dues under your loan account. NDC does not necessarily confirm that the loan account is closed or that the bank has returned all the collateral or documents held against the loan. A loan closure certificate confirms that the loan account has been closed. The bank may also issue separate documents or confirmations for the release of collateral and the return of original documents.
This blog explains how to get NDC after loan closure, and what you should check after receiving NDC.
What Details Does a No Dues Certificate Contain?
The details in a NDC may vary depending on the bank and the type of loan.
Common details a loan NDC may include are:
How to Get an NDC After Loan Closure?
You can request a NDC after repaying your loan and clearing any applicable charges. Depending on the bank's facilities, you may be able to apply for NDC online or visit a branch to request the certificate.
How to Get an NDC Online?
If your bank offers this facility, you can follow these steps to request an NDC online:
- Log in to net banking or the mobile banking app using your registered credentials
- Find the loan account for which you need the No Dues Certificate
- Check whether the loan details page offers an option to download or request an NDC, if not, look for a service request section or a similar option
- Enter the information requested by the bank and submit your request
- After verifying your loan account and dues, the bank may make the certificate available for download or send it to your registered email address
If any dues remain unpaid, the bank may inform you that you need to clear them before it can issue the certificate.
In some cases, the bank may automatically issue the No Dues Certificate after you repay the loan and clear all applicable dues. If you receive the certificate without submitting a request, check the details carefully to ensure they are correct and the document confirms the clearance of your dues.
What Documents are Required to Get a NDC?
The documents required to get a NDC may vary depending on the bank and the type of loan. If you request the certificate online, the bank may verify your loan details through your account.
For offline requests, you may need to provide supporting documents such as:
What Should You Do After Receiving a NDC?
After receiving your No Dues Certificate, you should:
What if the Bank Does Not Issue a No Dues Certificate?
If your bank has not issued a NDC after you submit a formal request, first check with the bank representative whether the certificate has been issued but not delivered to you.
If the bank has not issued the certificate, you can:
Do You Receive a NDC After a Legal Dispute or Loan Waiver?
Yes, you can request a No Dues Certificate after a legal dispute or loan waiver, provided the applicable dues have been cleared or legally waived.
If a court rules that you are not liable to pay the remaining loan amount, the bank must act according to the binding decision. You can request written confirmation of the revised dues and the loan account status.
Similarly, if a government scheme waives your outstanding loan amount, you can request a No Dues Certificate after the bank approves and applies the waiver to your account.
Final Thoughts
A No Dues Certificate gives you documented proof of the dues you have cleared and can help you address questions about your repayment history later. Treat it as part of your financial records, just like loan statements and payment receipts. Whether you have taken a home loan, vehicle loan or personal loan, obtain a No Dues Certificate and check that your loan closure reflects correctly in your credit report and other relevant records.
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