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Hypothecation Continuation
Keep Your Vehicle Loan Legally Updated in Your RC
If your vehicle is still under finance and the Registration Certificate (RC) is being renewed (especially after 15 years), it’s essential to continue the hypothecation in the RC. Failing to do this can result in legal complications and invalid documentation.
Friends RTO Consultancy offers a fast, reliable, and RTO-compliant Hypothecation Continuation service so your vehicle ownership records stay up-to-date
What is Hypothecation Continuation?
Hypothecation Continuation is the process of re-endorsing or extending the existing hypothecation (loan agreement) in your RC, typically during:
- RC renewal (after 15 years)
- Vehicle re-registration
- Transfer of a vehicle to another state
It ensures that the name of the financier remains legally attached to your RC for as long as the vehicle is under a loan.
Who Needs Hypothecation Continuation?
You need hypothecation continuation if:
- Your vehicle’s RC is due for renewal after 15 years
- Your vehicle is being re-registered in another state
- The loan on your vehicle is still active/unpaid
- Your RC is being updated, but the financier is still legally involved
Note: If the hypothecation is not continued during RC renewal, it may result in:
- Invalid ownership status
- Rejection of insurance claims
- Penalties at RTO
- Legal complications with your financier
Step-by-Step Process for Hypothecation Continuation
1. Collect Required Documents
- Ensure you have both RC renewal documents and hypothecation-related papers.
2. Get a No Objection Certificate (if needed)
- Some states may require an updated consent or NOC from the financier.
3. Fill out the Application
- Use Form 25 for RC renewal and Form 34 for hypothecation continuation.
4. Submit the Documents to the RTO
- Submit the application forms and documents to your local RTO.
5. Verification by RTO
- The RTO verifies the application, vehicle, and loan details.
6. Receive Updated RC
The RC will be reissued with the continued hypothecation endorsement.
What Documents are Required for Hypothecation Continuation?
- Original RC Book/Smart Card
- Form 25 (Application for RC Renewal)
- Form 34 (Hypothecation Continuation)
- Loan Statement (showing outstanding loan)
- NOC or consent letter from Financier (if applicable)
- Valid Insurance Certificate
- Valid PUC Certificate
- Owner’s ID Proof (Aadhaar, PAN, etc.)
- Passport-sized photographs
- Applicable Road Tax Receipt (if due)
Need a Hypothecation Continuation? 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
When do I need to apply for Hypothecation Continuation?
You need to apply when:- Your existing vehicle loan has been extended- You're switching lenders (balance transfer)- The financier requests updated RC records- The hypothecation term mentioned in the RC is ending
What is Form 34 in Hypothecation Continuation?
Form 34 is a mandatory document used to notify the RTO about continuing the hypothecation agreement on your vehicle. It must be signed by both you and the financier
Is it compulsory to update the hypothecation continuation in RC?
Yes. As per the Motor Vehicles Act, RC must reflect accurate financing details. If your vehicle continues under a loan, hypothecation continuation ensures legal compliance and protects you during resale or insurance claims.
Can I apply for Hypothecation Continuation online?
The process can be initiated through the Parivahan portal, but most states still require physical document submission at the RTO.
What is the fee for Hypothecation Continuation?
RTO fees range between ₹100 – ₹300, varying by vehicle type and state. Additional service or smart card charges may apply.
How long does Hypothecation Continuation take to process?
Generally, the process takes 7 to 15 working days, depending on the RTO workload and document completeness.
Can I sell my vehicle if hypothecation is continued?
No. Vehicles under active hypothecation cannot be sold or transferred without prior termination of the loan and removal of hypothecation from the RC
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