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Hypothecation Termination
Remove Loan Endorsement from Your RC – Fast & Legally
Once you’ve paid off your vehicle loan, the next important step is to remove the bank/financier’s name from your RC (Registration Certificate). This process is called Hypothecation Termination, and it’s essential for full vehicle ownership.
At Friends RTO Consultancy, we offer a smooth, transparent, and RTO-compliant service to help you complete this process quickly, without stress or delays.
What is Hypothecation Termination?
Hypothecation Termination is the legal process of removing the lender’s (bank/finance company’s) endorsement from your vehicle’s Registration Certificate after the loan has been fully repaid.
This updates the RC to reflect your full ownership of the vehicle.
Who Needs Hypothecation Termination?
You need to terminate hypothecation if:
- You’ve paid off your vehicle loan (car, bike, commercial vehicle)
- You wish to sell or transfer your vehicle to someone else
- You want to update your RC to show full ownership
- You need to renew insurance or update your address without hypothecation constraints
Note: Without hypothecation termination, you cannot transfer ownership of your vehicle or receive a clear title. Insurance claims may also face delays or rejections.
Step-by-Step Process for Hypothecation Termination
1. Obtain a No Objection Certificate (NOC) from the Bank
- Request and collect an NOC stating your loan is fully repaid.
2. Collect Required Documents
- See below for the full document list.
3. Fill Form 35
- A mandatory form jointly signed by the vehicle owner and the financier.
4. Submit Application to RTO
- Submit Form 35, NOC, and all supporting documents at the local RTO.
5. RTO Verification
- RTO verifies the documents and processes the removal of hypothecation.
6. Receive Updated RC
- Get the new RC card without the hypothecation entry, either digitally or by post.
What Documents are Required for Hypothecation Termination ?
- Original Registration Certificate (RC)
- Form 35 signed by owner and financier
- Bank NOC (stating loan has been repaid)
- Copy of valid Vehicle Insurance
- Copy of valid Pollution Under Control (PUC) Certificate
- Owner’s ID Proof (Aadhaar, PAN, Voter ID)
- Address Proof (if required)
- Passport-sized photograph
Need a Hypothecation Termination? Contact Us Today!
- Mobile No. : 79821 40354
- WhatsApp No. : 79821 40354
- Email : info@rtoagent.in
- Office Address : Plot No. 76, Second Floor, Panchsheel Park, Rajendra Nagar, Ghaziabad, U.P - 201005
- Office Address : 315, Pocket - D, Mayur Vihar Phase-2, Delhi - 110091
- Office Address : 112, Sector - 11, Model Town, Gurgaon, Haryana - 122001
How Friends RTO Consultants Helps?
15+ Years of Expertise
Delivering trusted and efficient RTO services with over 15 years of experience.
Comprehensive Services
We handle all RTO-related tasks, including registrations, licenses, and permits, under one roof.
Trusted by Thousands
Proven track record with thousands of happy customers that trusted us .
Transparent Pricing
No hidden charges; clear and fair pricing for all services.
Customer Support
Dedicated support team available to assist you at every step.
Pan-India Presence
Serving customers across all major states and cities in India.
FAQs
Why is it important to terminate hypothecation?
Without terminating hypothecation, your RC will still show the bank as a lienholder. This can create issues during resale, insurance claims, or transfer of ownership.
What is Form 35 in Hypothecation Termination?
Form 35 is the official form used to remove the hypothecation entry from the RC. It must be signed by both the vehicle owner and the financer (bank/loan company).
How much is the fee for Hypothecation Termination?
The RTO fee is typically ₹100 to ₹300, depending on your state and vehicle category. Additional charges may apply for smart card RC issuanc
How long does it take to complete the hypothecation removal process?
It usually takes 7 to 10 working days after successful document submission at the RTO.
Can I apply for hypothecation termination online?
Yes, you can initiate the process via the Parivahan portal, but physical document verification at the RTO is still required in most cases
What is NOC in hypothecation termination?
The No Objection Certificate (NOC) is issued by your bank after full loan repayment. It confirms that the lender has no objection to removing their name from the RC.
Can I sell my vehicle without removing the hypothecation?
No, you must terminate the hypothecation first. Without doing so, the vehicle still legally belongs to the bank and cannot be transferred or sold.
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