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If your vehicle is financed and you are renewing the Registration Certificate (RC), particularly after 15 years, it is essential to ensure Hypothecation Continuation. Ignoring this step may cause legal complications and make your documents invalid.
RTO Agent Services offers reliable and prompt Hypothecation Continuation assistance, ensuring your vehicle ownership details remain valid, accurate, and fully compliant with RTO regulations.
Hypothecation Continuation refers to the process of re-validating or extending the hypothecation (loan agreement) mentioned in your vehicle’s Registration Certificate (RC). This procedure is generally required in situations such as:
Renewal of RC after 15 years
Re-registration of the vehicle in another state
Transfer of ownership across states
By completing this process, the financer’s name remains legally endorsed on the RC for the entire duration of the loan, ensuring their continued rights over the vehicle until the loan is fully repaid.
You will need to apply for hypothecation continuation in the following cases:
When your vehicle’s Registration Certificate (RC) is being renewed after completing 15 years.
If your vehicle is being transferred or re-registered in another state.
When the loan on your vehicle is still active and has not yet been cleared.
If you are updating your RC but the financier continues to hold a legal interest in the vehicle.
Important:
If hypothecation is not continued at the time of RC renewal, it may lead to:
Ownership status being declared invalid.
Insurance claim rejection.
Penalties imposed by the RTO.
Legal disputes with your financer.
Gather the Required Documents
Collect all necessary papers, including RC renewal documents along with hypothecation-related documents provided by the financer.Obtain NOC (if applicable)
In certain states, an updated No Objection Certificate (NOC) or consent from the financer may be required.Complete the Application Forms
Use Form 25 for RC renewal and Form 34 for hypothecation continuation. Ensure the forms are filled accurately.Submit to the RTO Office
Submit the duly filled forms along with the required documents at your nearest RTO Agent Services office.RTO Verification Process
The RTO will verify your application details, vehicle ownership, and loan status with the financer.Receive Updated RC
Once approved, the Registration Certificate (RC) will be issued with the continued hypothecation endorsement.
If you are applying for Hypothecation Continuation through RTO Agent Services, you will need to provide the following documents:
Original RC Book / Smart Card
Form 25 (Application for RC Renewal)
Form 34 (Hypothecation Continuation Form)
Loan Statement reflecting the outstanding amount
NOC or Consent Letter from the Financier (if required)
Valid Motor Insurance Certificate
Valid Pollution Under Control (PUC) Certificate
Owner’s Identity Proof (Aadhaar, PAN, Passport, etc.)
Recent Passport-size Photographs
Road Tax Receipt (if applicable)
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FAQs
You are required to apply for Hypothecation Continuation in the following cases:
When your current vehicle loan has been extended for a longer tenure.
If you have opted for a balance transfer and shifted your loan to a new lender.
When your financier requests an update in your Registration Certificate (RC).
If the hypothecation period mentioned in your RC is nearing its expiry.
Form 34 is an essential document submitted to the Regional Transport Office (RTO) for extending the hypothecation agreement of a vehicle. This form serves as official communication that the loan or finance on the vehicle is being continued. It requires signatures from both the vehicle owner and the concerned financier before submission.
Yes. According to the Motor Vehicles Act, it is essential that the Registration Certificate (RC) displays correct loan and financing information. If your vehicle is still under a loan, completing the hypothecation continuation process keeps your RC legally valid and ensures protection during resale transactions or while making insurance claims.
Yes, the application process can be started through the Parivahan portal. However, in many states, submission of physical documents at the Regional Transport Office (RTO) is still necessary to complete the procedure.
Through RTO Agent Services, the charges for Hypothecation Continuation generally fall between ₹100 to ₹300, depending on the type of vehicle and the state’s regulations. In some cases, additional costs such as service fees or smart card charges may also be applicable.
The Hypothecation Continuation process usually takes around 7 to 15 working days. The duration may vary depending on the workload at the RTO and whether all submitted documents are accurate and complete.
No. A vehicle with active hypothecation cannot be sold or transferred until the loan is fully cleared and the hypothecation is officially removed from the Registration Certificate (RC).
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