Team AckoJul 21, 2021
The Regional Transport Office (RTO) or bank issues the NOC or No Objection Certificate for your vehicle stating that they do not have any objection to the details mentioned in the certificate. The government has made it easier for car owners to apply for the RTO NOC online and several banks have made the process for the Bank NOC easier through the online method. Applying for the NOC from your bank or from the RTO online is a simple procedure. Read on to learn about how to apply for the No Objection Certificate for your car online.
A NOC is a legal certificate, which states that the issuing party does not have any objection to the details mentioned in the document. When it comes to motor vehicles, the NOC is associated with the bank or the RTO. In case of the bank NOC, you can avail the certificate if you have repaid the car loan so that hypothecation of the car to the bank can be removed by the RTO. As for the RTO NOC, you should approach the respective RTO to issue the certificate so that you can register the car at a different RTO. In both instances, you must obtain a NOC to further the respective process.
If you decide to sell your car or if you are changing your place of residence within or outside the state, the NOC is a mandatory document that needs to be submitted to the RTO. The NOC states that you do not have any obligation to the respective agencies and have paid all required fees and charges or repaid the loan in case of a car loan from the bank. Below are the reasons why NOC for your car is essential:
To sell your car.
To remove hypothecation of your car with the bank.
To adhere to the Motor Vehicles Act since the NOC is required when you want to transfer the car to another state, or you want a new registration mark.
There are two instances. One, obtaining NOC from your bank and second, obtaining NOC from the respective RTO. Below are the steps to apply NOC for a car online in both instances:
Step 1: Visit the bank’s website.
Step 2: Download the NOC online by accessing your car loan account.
Note, if you do not have the option to download the NOC online, you need to visit the respective bank to obtain the NOC after you have repaid the loan.
Obtaining the NOC for your car from the RTO through the online mode is unavailable; however, you can submit the application form online and visit the RTO to further the process of your application. Below are the steps to apply NOC online to register the vehicle within or outside the State:
Step 1: Visit the Vahan Citizen Services website.
Step 2: Select the State and the respective RTO and click on ‘Log on to Avail Services’.
Step 3: Click on ‘Application for No Objection Certificate’.
Step 4: Enter your car’s registration number and the last five digits of your car’s chassis number.
Step 5: Click on ‘Validate Registration Number/Chassis Number’.
Step 5: Enter your mobile number to generate the OTP and click on ‘Show Detail’.
Step 6: The application form will be generated. Cross-check the owner details in the application form.
Step 7: Enter the car insurance details in the application form if it is not updated.
Step 8: Enter the State code of the new RTO and click on save.
Step 9: Pay the application fees and take the printout of the fee receipt.
Step 10: Visit the respective RTO along with the fees receipt and supporting documents to further the process.
Below is the validity of the NOC issued by the bank and RTO:
|Bank||90 Days (Subject to the bank’s terms and conditions)|
|Application (Form 28)||Copy of the Registration Certificate of the car|
|Certified copy of the Registration Certificate||Additional documents as required by the bank|
|Certified copy of the insurance policy|
|Proof of up-to-date paid road tax receipt|
|Pollution Under Control Certificate (PUCC)|
|Pencil print of the chassis and engine number|
|Signature identification of the owner|
The cost to obtain the NOC for your car from the bank and the RTO are as follows:
|RTO||Depends on the respective State|
|Bank||Depends on the respective banks|
Prior to applying for the NOC for your car with your bank or the RTO, ensure that you consider the points below for hassle-free procedure:
Ensure you attest your car’s Registration Certificate and insurance policy copy.
Ensure that the road tax is paid in full.
Give correct details while entering details of the new RTO.
Ensure you submit all supporting documents.
Ensure you save the fee receipt for the online NOC application through the Vahan Citizen Services.
The process of transferring your car’s registration from one RTO to another RTO in another state does not have to be complicated if you follow the required guidelines. You need to obtain the NOC from your bank in case you have taken a loan to buy your car and the NOC from the RTO. Refer to the above-mentioned steps to apply online for the NOC from the RTO.
Post applying for the NOC on the Vahan Citizen Services online, you need to visit the respective RTO along with the fee receipt to further process the request. Follow the steps below to apply for the NOC for your car from the RTO:
Step 1: Take the hard copy of the fee receipt (acknowledgement) of the online application for the NOC to the respective RTO on the given appointment date.
Step 2: Ensure that you take all other supporting documents.
Step 3: The RTO may ask you to provide validation from the local police station to check if your car was involved in any crime related-offences.
Step 4: Once you complete the process, the RTO will issue the NOC for your vehicle.
Upon completing the process of applying for the No Objection Certificate for your car from the RTO, you may have to wait until the RTO issues the NOC. Follow the steps below to know the status of the NOC for your car:
Step 1: Visit the Vahan Citizen Services official website.
Step 2: From the top drop-down menu, click on ‘Status’ and select ‘Know Your Application Status’.
Step 3: On the new page, enter the application number and click on ‘Submit’ to know the status of the NOC application.
No Objection Certificate for your car is an important legal document, especially if you have purchased the vehicle through a loan and/or if you have moved to a new State or within the State. While it is not mandatory to change the RTO in case you are moving within the state, you need to change the registration details in case you are moving to a different State.
Without the NOC, the new RTO will not register the vehicle within their jurisdiction. Additionally, if you are selling your car you need the bank NOC. The RTO will not remove the hypothecation without the NOC from the bank, which has provided the auto loan for your car. Hence, the NOC is an important and legal document that you need to obtain.
Here are some of the frequently asked questions about No Objection Certificate for cars:
1) What is the process of applying for a NOC for a car using the Parivahan website?
The government has launched a citizen service initiative through the Parivahan website (Vahan Citizen Services) to cater to car owners who can avail several RTO related services. Through the website, you can submit the application for the NOC before approaching the RTO in person. Follow the above-mentioned steps to obtain the NOC for your car.
2) Is the No Objection Certificate (NOC) for a car required?
If you have availed a loan and repaid it in full, you need to obtain the NOC from the respective bank to remove the hypothecation from the Registration Certificate (RC) of your car. This will be helpful, especially if you are selling the car since the ownership title needs to be transferred to the new owner. RTOs will not transfer the ownership if the hypothecation is not cancelled or removed. Also, you need a NOC for your car if you desire to move outside the jurisdiction of the current RTO or outside the State so that you can submit it with the new RTO.
3) Can I obtain RTO NOC online?
The Vahan Citizen Service website helps you to apply for the RTO NOC; however, you need to visit the RTO after you submit the application to further the process of obtaining the NOC from the respective RTO. You can refer to the above-mentioned process to apply for the RTO NOC online.
4) What is the fine if I’m caught driving a car without a valid NOC?
There is no fixed fine for driving a car with a valid NOC; however, RTOs have the authority to charge you for not paying the road tax within its jurisdiction and different for different States. You need to check with the respective State and its RTOs for the charges.
5) Is the NOC required for my car if I have moved to a different state?
Yes, you need the NOC to register your car with the local RTO since you are driving your car within the jurisdiction of the new RTO. You need to pay the road tax specified by the local RTO.
6) Is a NOC required to renew my Driving Licence (DL)?
7) Who should apply for the NOC with the RTO?
The car owner, who is moving his/her car outside the jurisdiction of the RTO within the State or outside, and want to register the vehicle at the local RTO, should apply for the NOC.
8) How to remove hypothecation from the Registration Certificate (RC) of my car?
If you have availed a car loan to buy your vehicle, then the name of the bank which has provided the loan will be present in your car’s RC. It indicates that the bank is also the owner of the car until the loan is repaid. Once the loan is repaid, the bank will issue the NOC and you need to request the RTO to cancel the hypothecation in your car’s RC. Visit the respective RTO along with supporting documents such as the original RC, valid insurance certificate, identity and address proof, PUC certificate and the NOC from the bank along with Form 35 (application for the cancellation of the hypothecation).
9) Can I sell my car without the NOC from the bank?
You cannot sell your vehicle without the NOC from the bank since the RTO needs the NOC to transfer the ownership of the car to the new owner.
10) Do I need to submit the original Registration Certificate of my car for NOC?
Yes, you need to submit the original RC of your car while applying for the No Objection Certificate from the respective RTO.
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