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In order to ensure hassle-free credit to all borrowers, in both rural and semi-urban areas, DCL started the concept of no overdue certificate. On receiving complaints from borrowers in respect of timely updating of their overdue details in credit information companies, due to non-availability of proper documents, DCL started to issue no dues certificate to the borrowers after completion of their loan. That certificate will be infallible proof regarding an overdue position of borrower against the company. An initiative was taken to bring more transparency in a relationship of DCL with customers.