Hypothecation Termination
Easily Complete Your Hypothecation Removal with RTO Agent Service
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After you finish repaying your vehicle loan, the most important step is to get the bank or financer’s name removed from your Registration Certificate (RC). This procedure, called Hypothecation Termination, gives you full and clear ownership of your vehicle.
At RTO Agent Services, we ensure a hassle-free and transparent process to complete your hypothecation termination. Our expert team takes care of all formalities in an RTO-approved manner, saving you from unnecessary delays, stress, or confusion.
Hypothecation Termination is the official process carried out through RTO Agent Services to remove a bank or finance company’s lien from your vehicle’s Registration Certificate (RC) after the loan repayment is completed.
Once the procedure is done, your RC gets updated to show that the vehicle is now entirely under your ownership, without any financial institution’s claim.
RTO Agent Services helps you with hypothecation termination, an essential step once your vehicle loan is cleared. You need this service if:
Your car, bike, or commercial vehicle loan has been fully repaid.
You are planning to sell or transfer your vehicle to a new owner.
You want your RC (Registration Certificate) to reflect full ownership in your name.
You need to renew insurance or update your address without any hypothecation restrictions.
👉 Important Note: Without completing hypothecation termination, you cannot transfer ownership of your vehicle, obtain a clear title, or ensure smooth processing of insurance claims.
1. Obtain NOC from the Bank
After clearing your vehicle loan, request and collect a No Objection Certificate (NOC) from the bank confirming full repayment.
2. Gather Necessary Documents
Prepare all the required documents such as loan clearance proof, registration certificate, insurance copy, and ID/address proof.
3. Complete Form 35
Form 35 must be filled out and signed by both the vehicle owner and the concerned financier.
4. Submit Application at RTO
Submit Form 35 along with the NOC and other supporting documents at your local RTO office through RTO Agent Services for smooth processing.
5. RTO Document Verification
The RTO will verify the submitted papers and initiate the process to remove the hypothecation from your vehicle records.
6. Receive Updated RC
Once approved, you will be issued a new Registration Certificate (RC) without the hypothecation mark. This can be collected digitally or via post.
If you have cleared your vehicle loan and now wish to remove the hypothecation from your Registration Certificate (RC), the following documents will be required:
Original RC of the vehicle
Form 35 duly signed by both the vehicle owner and the financer
NOC (No Objection Certificate) from the bank/financier confirming loan closure
A copy of valid motor insurance policy
A valid Pollution Under Control (PUC) certificate
Identity proof of the vehicle owner (such as Aadhaar, PAN, or Voter ID)
Address proof (if requested by the RTO)
Recent passport-size photograph of the owner
With these documents, the process of hypothecation termination can be completed smoothly through RTO Agent Services.
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FAQs
You can apply online through the official Parivahan Sewa portal (https://parivahan.gov.in). Simply fill out the required form, upload the necessary documents, pay the applicable fee, and submit your request. RTO Agent Services can assist you in completing the hypothecation termination process smoothly and without any complications.
The applicant must be at least 18 years old to apply.
For individuals holding a Light Motor Vehicle (LMV) license, termination can be processed once all loan dues are cleared.
For those with a commercial or transport license, the minimum age is 20 years, along with at least one year of valid LMV license history.
The Hypothecation Termination process involves removing the loan endorsement from your vehicle’s Registration Certificate once you have fully repaid your loan. To complete this, you need to submit required documents such as the No Objection Certificate (NOC) from the bank or finance company, along with Form 35 and your RC book/card at the RTO. After verification, the RTO updates your RC and issues a new one without the hypothecation mark.
Hypothecation Termination does not have a fixed validity period like a license. Once the loan is fully repaid and the bank issues a No Objection Certificate (NOC), you must promptly apply for Hypothecation Termination with the RTO Agent Services to update your RC (Registration Certificate). Delaying this process may cause unnecessary complications in ownership transfer or future vehicle transactions.
In most cases, once the required documents are submitted, the hypothecation termination is processed and updated in the records within 1–2 working days at the RTO.
Yes. Once your loan is fully repaid, you must apply for Hypothecation Termination as a fresh request. It cannot be renewed like a regular driving license service.
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