Loan closure NOC WhatsApp template

A loan closure NOC template confirms that a loan is fully repaid, sends the no-objection certificate and tells the borrower how and when to collect any original documents. Send it as a Utility template when the loan closes. For secured loans, RBI sets a 30-day limit to return documents.

Category UtilitySend When the loan is closedVersions 3

Use this template See all 3 versions

Your lenderBusiness account

Today

Hi Lakshmi, your loan account ending 1188 has been fully repaid and closed on 28 Nov 2026. Thank you for banking with us. Your NOC will be shared here shortly.Reply HELP to talk to our team10:00

Copy-ready templates

Three versions: closed, NOC attached, documents ready

Loan closed

Sent when final payment posts and the loan closes.

Category: Utility
Language: English (en)
Header: None
Footer: Reply HELP to talk to our team

Hi {{1}}, your loan account ending {{2}} has been fully repaid and closed on {{3}}. Thank you for banking with us. Your NOC will be shared here shortly.

Hi {{1}}, your loan account ending {{2}} has been fully repaid and closed on {{3}}. Thank you for banking with us. Your NOC will be shared here shortly.Reply HELP to talk to our team10:00

NOC attached

Sent when the NOC is generated.

Category: Utility
Language: English (en)
Header: Document: no-objection certificate (PDF)
Footer: Reply HELP to talk to our team
Buttons: Quick reply: “Got it”

Hi {{1}}, the no-objection certificate for your loan account ending {{2}} is attached. Please keep it for your records.

DOCUMENTHi {{1}}, the no-objection certificate for your loan account ending {{2}} is attached. Please keep it for your records.Reply HELP to talk to our team10:00Got it

Original documents ready to collect

For secured loans, when original property or vehicle documents are ready.

Category: Utility
Language: English (en)
Header: None
Footer: Reply HELP to talk to our team
Buttons: Quick reply: “I’ll collect”
Quick reply: “Courier please”

Hi {{1}}, the original documents for your loan account ending {{2}} are ready for collection at our {{3}} branch from {{4}}. Please bring a photo ID. Reply if you would like them couriered instead.

Hi {{1}}, the original documents for your loan account ending {{2}} are ready for collection at our {{3}} branch from {{4}}. Please bring a photo ID. Reply if you would like them couriered instead.Reply HELP to talk to our team10:00I’ll collectCourier please

Variables

What each variable means

Variable	What goes in it	Sample value	Usually comes from
{{1}}	Borrower’s first name	Lakshmi	LMS
{{2}}	Loan account last 4	1188	LMS
{{3}}	Closure date (version 3: branch name)	28 Nov 2026	LMS / document custody record
{{4}}	Date documents are ready (version 3)	2 Dec 2026	Document custody record

For version 3, use the branch where the documents actually are, as recorded when the loan was sanctioned.

Meta category

Why this is Utility, not Marketing

Closure and the NOC are the final updates on the borrower’s own loan, so they’re Utility.

Under RBI’s September 2023 rules for regulated lenders, original movable and immovable property documents must be released within 30 days of full repayment, from the branch the borrower chooses, with compensation of ₹5,000 a day for delays caused by the lender. Version 3 helps you show you met that.

What makes it Marketing“Need another loan? You’re pre-approved.” Wait, and send it as a separate Marketing template to borrowers who opted in.

Timing

When to send it

1
Final payment postedVersion 1.Same day
2
NOC generatedVersion 2.Within days
3
Documents readyVersion 3, well inside 30 days.Secured loans

Log the date of version 3 against the loan. If a borrower complains about delays, it’s a clear record of when you told them.

Approval

Why loan closure NOC templates get rejected

Variable at the start or end

Meta rejects a body that opens or closes with a variable. Every version above starts and ends with fixed words.

No sample PDF

Version 2 needs a sample NOC when you submit. Use a dummy one.

Promotional words in a Utility template

“Offer”, “exclusive”, “pre-approved” or “limited time” get the template re-categorised as Marketing or rejected.

Placeholder samples

Give a realistic sample for each variable when you submit, such as “Rahul” or “12,450”, not “name” or “amount”.

Send it from SAMWAD

Three ways to put this template to work

No codeCampaign upload

Not suited: closures happen one at a time.

No codeJourney or Zapier

If closures are logged in a CRM, Zapier can send version 1 when the stage changes to “Closed”.

DevelopersAPI from your system

Your LMS calls SAMWAD at closure, at NOC generation and when documents reach the branch.

# When the NOC is generated
POST https://www.app.samwad.tech/api/wpbox/sendtemplatemessage
{
  "token": "YOUR_API_KEY",
  "phone": "919800000210",
  "template_name": "loan_closure_noc",
  "template_language": "en",
  "components": [{ "type": "header",
    "parameters": [{ "type": "document", "document": { "link": "https://yourlender.example/noc/1188.pdf" } }] },
  { "type": "body",
    "parameters": [
      { "type": "text", "text": "Lakshmi" },
      { "type": "text", "text": "1188" }
    ] }]
}

Full request format, button parameters and webhooks: developer documentation.

Replies like “Courier please” go to your branch operations team in the team inbox, with the loan details in the chat.

Compliance note for lenders

30-day document release. For loans secured by property or vehicles, RBI requires original documents to be released within 30 days of full repayment, with compensation for delays caused by the lender.
Facts only. State what happened, the amount or date, and the next step. No penalties, credit-score warnings or legal language unless your compliance team approved the exact words and they match the loan agreement.
Opt-in first. Send only to borrowers who agreed to WhatsApp updates, and record when and where they agreed (loan application, app or branch form).

The sample wording on this page is a starting point, not legal advice. Have your compliance team review it before you submit.Sources: RBI: release property documents within 30 days of repayment (News On AIR, 13 Sep 2023) · Meta: template categorization

FAQ

Loan closure NOC template FAQs

Want help setting this up for your loans? We’ll walk through it with you on a call.

Book a demo

Can we send the NOC on WhatsApp?

Yes. Use a template with a document header, or send it in the open chat window if the borrower wrote in the last 24 hours.

How long do we have to return original documents?

For regulated lenders, RBI’s rules from December 2023 require release within 30 days of full repayment, or compensation of ₹5,000 a day for delays caused by the lender.

Should we offer a new loan in the closure message?

No. Send offers separately, only to borrowers who opted in to marketing.

Is it Utility or Marketing?

Utility. It’s about the borrower’s own loan.