diff --git a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanApplicationWritePlatformServiceJpaRepositoryImpl.java b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanApplicationWritePlatformServiceJpaRepositoryImpl.java
index 3294f49cc..96f400828 100755
--- a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanApplicationWritePlatformServiceJpaRepositoryImpl.java
+++ b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanApplicationWritePlatformServiceJpaRepositoryImpl.java
@@ -1036,12 +1036,12 @@ public void checkForProductMixRestrictions(final Loan loan) {
      */
     private void handleDataIntegrityIssues(final JsonCommand command, final Throwable realCause, final Exception dve) {
     	
-        if (realCause.getMessage().contains("loan_account_no_UNIQUE") || realCause.getCause().getMessage().contains("loan_account_no_UNIQUE")) {
+        if (realCause.getMessage().contains("loan_account_no_UNIQUE") || (realCause.getCause() != null && realCause.getCause().getMessage().contains("loan_account_no_UNIQUE"))) {
 
             final String accountNo = command.stringValueOfParameterNamed("accountNo");
             throw new PlatformDataIntegrityException("error.msg.loan.duplicate.accountNo", "Loan with accountNo `" + accountNo
                     + "` already exists", "accountNo", accountNo);
-        } else if (realCause.getMessage().contains("loan_externalid_UNIQUE") || realCause.getCause().getMessage().contains("loan_externalid_UNIQUE")) {
+        } else if (realCause.getMessage().contains("loan_externalid_UNIQUE") || (realCause.getCause() != null && realCause.getCause().getMessage().contains("loan_externalid_UNIQUE"))) {
             final String externalId = command.stringValueOfParameterNamed("externalId");
             throw new PlatformDataIntegrityException("error.msg.loan.duplicate.externalId", "Loan with externalId `" + externalId
                     + "` already exists", "externalId", externalId);