Hypothecation Addition | Loan Against Vehicle | RTO Documentation

Hypothecation Addition

Add lender's lien to your vehicle RC when taking a loan

What is Hypothecation?

Hypothecation is the process of adding your lender's (bank/NBFC) details to your vehicle's RC when you take a loan. This legally establishes the lender's claim on the vehicle until the loan is repaid.

Banks

Nationalized, private and cooperative banks

NBFCs

Non-banking financial companies

Credit Unions

Cooperative credit societies

Legal Requirement

As per Motor Vehicles Act, any vehicle purchased with loan must have hypothecation added to RC within 7 days of loan disbursal. Driving without proper hypothecation can lead to ₹5,000 fine.

Documents Required for Hypothecation Addition

Original RC (Registration Certificate)
Form 34 (Hypothecation application)
Loan agreement copy
Financier's NOC letter IMPORTANT
Vehicle Owner's ID Proof
Address Proof
Valid Insurance Certificate
Challan Clearance Certificate

Our Hypothecation Addition Process

Document Collection

We verify all documents from you and your financier

Application Preparation

We prepare and notarize Form 34

RTO Submission

We submit application to your vehicle's RTO

Follow-up

We track application status with RTO

Delivery

We courier the updated RC with hypothecation

Professional Hypothecation Service

Let our RTO experts handle the complete hypothecation process:

Complete documentation support

Financier coordination

RTO application processing

5-7 working days completion

Service Fee: ₹1,799 (including all charges)

Add Hypothecation Now

*Additional RTO fees may apply for late applications (after 7 days)

Need Urgent Hypothecation?

For delayed applications or special cases:

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Working hours: 10 AM - 6 PM (Mon-Sat)