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Remove hypothecation of vehicle, RTO

How to apply for hypothecation termination

How to Remove Hypothecation from RC online-itzeazy

HP Termination

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Are you wondering – how to remove hypothecation from RC ? Worry not ! In this article we are going to discuss process for hypothecation termination, how you can apply for hypothecation cancellation online, documents required for HP termination.

If you have bought vehicle after taking loan from the bank  or financial institution, then after paying off loan , HP termination has to be done at RTO.

If you don’t have time to visit RTO and looking for service provider who can help in HP termination process, Itzeazy provides door step service for hypothecation termination.

Hypothecation is a legal agreement that allows a lender to take ownership of your vehicle if you default on your loan payments. This means that until you have paid off your loan, you are not the full owner of your vehicle.

If you want to be the sole owner of your vehicle and have the freedom to sell it or transfer ownership without the lender’s permission, you need to remove hypothecation from your RC.

Learn how to remove hypothecation from RC online or offline in this simple guide.

How to Remove Hypothecation from RC?

how to remove hypothecation from rc

Also read:-  how to get duplicate RC of the vehicle

Why do you need to remove hypothecation from RC

It is crucial to get the vehicle changed into your name from the name of the financial institution you borrowed the money from as soon as you have paid the monthly instalments toward the purchase of your automobile. That’s why understanding how to remove hypothecation from RC is essential. There are multiple reasons to remove hypothecation from RC. Let’s take a look at why you need termination of hypothecation.

• If the hypothecation on your vehicle is not terminated, all the money of the insurance of the vehicle will go to the financer or to the bank.
• You cannot sell a hypothecated vehicle nor can transfer the ownership.
• Though you have completed the payment for buying the vehicle, you are not the official owner of The vehicle you remove hypothecation from RC

Documents required for hypothecation termination

If the vehicle was financed, its important to apply for hypothecation cancellation from RC. Following are the documents required for hypothecation termination  :

• Duly filled form 35. Also, you need two copies of it, both signed by the registered owner of the vehicle and the bank
• Bank NOC(original).
• Copy of your Pan Card if you don’t have a pan card then Form 60, and Form 61,
• Copy of valid insurance
• Original RC of the vehicle
• Aadhaar card or other address proof. If your current address is different from the address in the RC, you will have to submit Form 33.
• Pollution Under Control (PUC) Certificate

Hypothecation cancellation process

Application for hypothecation termination along with supporting documents required for hypothecation termination should be submitted to the RTO where vehicle is registered.

You need to pay the requisite RTO fees for processing.

Process for HP termination takes approx. 1month time. After completion of the process you will get new RC.


also read

RTO Charges in India

How to get Duplicate RC of Vehicle

Vehicle Ownership Transfer


How to Remove Hypothecation from RC Online: A Step-by-Step Guide

The offline hypothecation termination procedure is as follows:

  • Go to the RTO from where you got your RC and verify all the documents by the verification officer.
  • The staff there will enter your details in the RTO’s computer-based data system.
  •  Next, go to the registration counter and show the verified documents.
    After approval of the documents go to the payment counter and pay the required fees.
  •  Now Go to the registration counter and submit the receipt of payment with the other documents.
  • They will give you an appointment date, on that day the RTO will verify the documents (final verification) and approval from the concerned officer will be given.
  •  Go to the RTO on the given date. There the officers will return your documents with ‘’Acceptance Form’’, you will see all the details in the form which were in your RC.
  •  Go through the form and check the details.
  •  Now you have to sign the acceptance form and submit it to the officer.
  •  Next, you have to pay the fee for the new smart card RC.
  •  After successful payment, you will receive a receipt and a date on which you have to collect the Smart Card RC. Visit the RTO on the given date again and you will receive your smart card RC.

How to remove hypothecation from RC online

Let’s take a look at the how to apply for hypothecation termination online. To apply for RTO hypothecation removal process online, follow the steps below :

• Go to the website Parivahan Sewa
• A page will open, click on vehicle-related service, now enter vehicle registration number and proceed.
• Click on “online services ” then choose the second option.Remove hypothecation from RC

• Now enter the chassis number and click on validate
• Next an OTP will be sent to your registered mobile number, enter it and click on submitRemove hypothecation from RC

  • In the next page click on the termination of hypothecation box.
  • Here you will find all of your details related to your RC. check the details and then Scroll down, you have to fill in some other details too, fill them.
  •  After filling in the details scroll up and click on terminate and now select the date of termination of hypothecation

Remove hypothecation from RC

  • Now Scroll down and click on the payment
  • After successful payment print the e-receipt
  • Also, print the owner details
  • Now go to your regional RTO with all the documents including the receipts and submit them to the concerned counter or officer.

After approval of the documents, you will receive your RC smart card in a month it will not be hypothecated by any financer or bank authority. That’s all about how to cancel hypothecation online

also read

Re-registration of a vehicle after 15 years

How to remove hypothecation from RC 

RTO hypothecation removal process online


I hope you now understand How to Remove Hypothecation from RC and the procedure of hypothecation termination from RC. If you liked the article- rto hypothecation removal process online and offline, don’t forget to share and comment.


knowing how to remove hypothecation from RC is crucial if you want full ownership of your vehicle. Whether you choose the online or offline method, make sure you have all the necessary documents and follow the required steps. Once the process is complete, you’ll have a new RC without any hypothecation, giving you the freedom to sell or transfer ownership as you please. If you found this guide on RTO hypothecation removal helpful, feel free to share it and leave your comments. Your feedback is valuable to us!


How to Remove Hypothecation from RC?

To remove hypothecation from your RC, you'll need to follow a specific process that involves submitting documents to your local RTO. It usually takes around one month for the process to complete.

Why is it important to remove hypothecation from RC?

Removing hypothecation is crucial because it ensures that you become the sole owner of your vehicle. If hypothecation is not terminated, the insurance money in case of an accident often goes to the financer or bank, and you can't sell or transfer ownership.

Can I apply for hypothecation termination online?

Yes, you can apply for hypothecation termination online through the Parivahan Sewa website. The process involves providing your vehicle details, verifying them, and making the necessary payments. After approval, you'll receive your new RC card, free from hypothecation.

How long is NOC valid for hypothecation removal ?

NOC given by private banks are valid for three months. Government banks normally don't write validity period on the NOC letter given for hypothecation removal. There are RTOs who insist on bringing fresh NOC from the bank in all the cases. So , its advisable to apply for removal of hypothecation from the RTO within three month to avoid the hassle of getting fresh NOC from the bank.

How to Remove Hypothecation from RC online itzeazy-book order

You can book order online. For any query or concern please speak to one of our relationship manager over phone or chat. You can also write to us. We will get back to you.

How to Remove Hypothecation from RC online itzeazy- order booking



  1. Arun

    Thank you – one doubt – should the date of termination of hypothecation be the loan closure date or is it the Bank NoC issuing date?

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