How to Collect Your Original Documents After Loan Closure

You can collect your original loan documents after completing the applicable repayment or settlement requirements and document-release formalities. The collection process depends on your loan type and the documents Bajaj Finance holds for your account.

• For eligible original property documents, the applicable requirements provide for release within 30 days after full repayment or settlement.
• Contact Bajaj Finance through an official service channel to confirm the collection location, required identification and any authorisation formalities.
• Check whether your NOC, No Dues Certificate or loan closure confirmation is available through the My Account portal or the Bajaj Finance app.
• If your documents are delayed, raise a service request, retain its reference number and ask about the applicable timeline and resolution process.
• Before leaving the collection location, verify the document details, completeness and condition, and keep the collection acknowledgement.

Store your original documents securely after collection. If you identify missing documents or incorrect details, contact Bajaj Finance through an official service channel and follow up until the issue is resolved.

You can request the return of your original loan documents after you complete the applicable loan repayment or settlement requirements. The lender must also complete the relevant account and document-release formalities before returning the documents. For original movable or immovable property documents covered by applicable requirements, the lender’s Fair Practice Code provides for release within 30 days after full repayment or settlement of the loan account. These requirements also cover the removal of charges registered with relevant registries. Before arranging collection, confirm that you have completed the required repayment or settlement formalities. If you have a secured loan, review your loan sanction letter for the stated document-return timeline and collection location, where applicable. If you have already completed repayment but have not received your documents, contact your lender through official channels to check the status of the release process and clarify whether you need to complete any further steps.

Which original documents should you collect after loan closure?

After you repay your loan and complete the closure formalities, collect the original documents that the lender holds for your loan, where applicable. The documents you need depend on your loan type and the security you provided.

Depending on your loan, check whether you need to collect:

• Original property documents: Documents you submitted as security for a loan against property or another secured loan.
• Original asset-related documents: Documents relating to an asset that secured your loan, where applicable.
• No Objection Certificate (NOC) or No Dues Certificate: A document that confirms the applicable loan dues have been cleared.
• Loan closure confirmation: A record confirming that the lender has closed your loan account.

An NOC or closure certificate does not replace original property or asset documents that the lender holds. Check which documents apply to your loan and confirm the collection process with Bajaj Finance.

How can you arrange collection of your original documents?

You can confirm the collection arrangements through an official Bajaj Finance service channel. For original property documents covered by the applicable process, you can choose the branch or banking outlet that serviced your loan or another company office where the documents are available, subject to the applicable arrangements.

Follow these steps:

1. Confirm that you have completed the applicable loan repayment or settlement requirements.
2. Check your loan account and retain your payment confirmation.
3. Contact Bajaj Finance through an official service channel to confirm the document-release process.
4. Confirm where the lender holds your original documents and which collection locations it can offer.
5. Ask whether you need to carry identification, authorisation or any other supporting documents.
6. Confirm the collection arrangements before visiting the office.
7. Check the documents against the list of originals you submitted.

The collection process may differ by loan type. Confirm the requirements for your account instead of assuming that every loan follows the same procedure.

You may be able to access certain loan closure documents through the Bajaj Finance My Account portal or the Bajaj Finance app, depending on your loan type and the documents available for your account. However, downloading a closure certificate does not mean you can collect original physical documents online.

Follow these steps to check your available digital documents:

1. Sign in to the My Account portal or the Bajaj Finance app using your registered mobile number and verify your login with the OTP.
2. Open the relevant loan account through the available loan or service options.
3. Look for the Statement of Account or Document Centre section, depending on the options available.
4. Check whether your NOC or another applicable loan closure document is available.
5. Download the document if the service provides a download option.

If you need original property or asset documents, contact Bajaj Finance through its official service channels to confirm the physical collection process. Treat downloaded certificates and original documents as separate records, as a digital copy does not replace original documents held by the lender.

What should you do if you have not received your original documents?

If Bajaj Finance has not released your original documents within the applicable timeline, contact the lender and ask for the current status and the reason for the delay. Keep your loan account details, repayment proof, and any previous communication ready when you raise your request.

Take these steps:

• Confirm the date when you completed the required repayment or settlement.
• Check the document-release timeline and collection location applicable to your loan.
• Ask Bajaj Finance which formalities, if any, remain incomplete.
• Raise a service request through an official channel and retain the reference number.
• Keep a record of the lender's response and any revised collection arrangements.

If the lender delays returning your original documents, contact Bajaj Finance through an official service channel to understand the reason and next steps. Ask the service team to clarify the applicable document-release timeline and any compensation or resolution process relevant to your case.

What should you check when collecting your original documents?

When you collect your original documents, compare them with the records of the documents you submitted and confirm that you have received the relevant items. A careful check helps you identify missing documents or discrepancies before you leave the collection location.

Check the following:

• Document details: Verify names, property or asset details, and other identifying information.
• Completeness: Compare the documents you receive with the list of originals submitted for your loan.
• Condition: Check the documents for visible damage or missing pages, where relevant.
• Collection acknowledgement: Keep the acknowledgement or receipt that the collection process provides.
• Loan closure records: Store your NOC, No Dues Certificate, closure confirmation and final loan statement, where applicable.

Keep your original documents in a secure place after collection. If you find a missing document or incorrect detail, inform Bajaj Finance through an official service channel and retain the request reference until the lender addresses the issue.