Problem detail
NOC Not Received
The borrower has repaid the loan, but the lender has not issued the No Objection Certificate (NOC) or closure letter.
Loan Closure
Required documents
- • Final payment receipt
- • Loan account closure request or application
- • Bank statement showing the settlement
- • Any email/SMS confirming final payment
Contact order
- • Customer Support
- • Grievance Officer
- • Nodal Officer
- • External Ombudsman if needed
Timeline
- • Initial acknowledgement: 3–5 business days
- • NOC issuance: 10–15 business days
- • Follow-up after 2 weeks if pending
Escalation path
- • Ask customer support for a provisional statement while NOC is prepared
- • Escalate to grievance officer if no letter in 15 days
- • Request the nodal officer’s intervention after 20 days
- • File a complaint with the banking ombudsman if issuance is not completed in 30 days