Application for terminating hypothecation (loan) from vehicle RC
Visit Official Portal →💡 Form 35 is an RTO application used to terminate the hypothecation (loan endorsement) from your vehicle's Registration Certificate (RC) after you have fully repaid your car or bike loan. It must be submitted along with a Bank NOC.
15 to 30 days after submission at RTO
Varies by state (Typically ₹100 - ₹500 for car, ₹50 - ₹200 for bike)
Any vehicle owner with a No Objection Certificate (NOC) from their financing bank indicating full loan repayment.
Vehicle owners who have repaid their car or bike loan and want to remove the bank's name (hypothecation) from the Registration Certificate (RC).
Once your loan is fully repaid, ask your bank/financier for a loan closure NOC and two copies of Form 35 signed by the bank's authorized signatory.
Visit parivahan.gov.in (Vahan Citizen Services), log in, and select 'Addition / Continuation / Termination of Hypothecation'.
Upload scanned copies of the Bank NOC, Form 35, and other required documents on the Vahan portal.
Pay the required RTO fee for Hypothecation Termination and Smart Card RC printing.
Take the printout of the fee receipt, application form, original RC, Bank NOC, and Form 35 to your designated RTO for verification.
Once approved, the RTO will dispatch the new RC (without the bank's hypothecation) via speed post to your registered address.
To update or modify your Form 35 application, you generally need to visit the local RTO or update details via the Parivahan portal if the application is still pending.
Log in to the Parivahan Sewa portal.
Go to pending applications to see if modifications are allowed.
You can download the blank Form 35 from the Parivahan portal to remove hypothecation from your vehicle.
Go to the Informational Services section.
Find Form 35 under the downloadable forms section.
Check the status of your hypothecation termination by entering your application number on the Parivahan Sewa status tracking page.
Navigate to the application status tracking on Parivahan.
Enter your application number and DOB to view the status.
Yes, it is highly recommended. Until you remove the hypothecation using Form 35, the bank remains the legal owner of the vehicle in RTO records. You cannot sell the vehicle or transfer ownership without removing it.
A Bank NOC for loan closure is typically valid for 90 days from the date of issue. If it expires, you must request a new NOC from your bank before submitting Form 35 to the RTO.
The application and fee payment can be done online through the Parivahan Vahan portal. However, most RTOs (except in a few states like Delhi or Maharashtra with Aadhar authentication) still require you to submit or speed-post the physical original RC and Bank NOC to the RTO office.
The application process varies by state. Generally, you can apply online through the official government portal by submitting the required documents and paying the applicable fee.
Typically, you need proof of identity (like Aadhaar or PAN), proof of address, and passport-size photographs. Specific requirements may vary based on your state or exact case.
Visit the official government portal to start your application
Go to Official Portal →