All queries about Loan NOC, RC Entry and Hypothecation removal

VirginWheels · 13th August 2019, 01:19

Apologies for re-starting an old thread.

Urgent help needed!

I am driving a Karnataka registered (RTO - KA03) car in Kolkata since 2017 and I did not take an NOC from Karnataka RTO when moving to Kolkata as the duration of my stay in Kolkata was uncertain.

Now I want to get an NOC from Karnataka and wish to re-register the vehicle in West Bengal. I have a car loan with SBI Mahadevpura branch, which I will be foreclosing.

I need help with the following queries:

1. Do I have to take the car to Bangalore for obtaining the NOC? I will be going there anyways to close the loan and bank formalities.

2. Do I need to be physically present at the RTO to obtain an NOC? Can I get it done by an agent? If so, kindly share the contacts. My email id is rajibghosh.rg@gmail.com

3.The Karnataka Transport Department website lists ‘Emission Test Certificate’ as one of the documents. I currently have a PUCC from Kolkata which is expiring on 30-Aug-2019. Will that be accepted or do they need one from Karnataka? If that is the scenario, I have no option but to drive the car to Bangalore.

Plan B (will be very sad and unacceptable though.)

I have had a visit to one of their branches in Kolkata and they said they can buy the car, but since I have a loan with SBI in a different city, I will have to close the loan myself first and obtain Form35.

My car was purchased in June 2016 and I have no intentions to sell.

Please advise…
Thanks in advance.

rajivtelang · 13th August 2019, 08:16

Quote:

Originally Posted by VirginWheels

Apologies for re-starting an old thread.

Urgent help needed!

Not to discourage you but I have faced hell of trouble in transferring my car from Bangalore to Mumbai in 2011. If I were you, I will sell the car and buy a new one in Kolkata assuming my stay is long enough there. I may be wrong in my assumption (one of the case?) but fellow BHPians with better experience will be able to help you here.

clevermax · 3rd October 2019, 11:58

My Palio is almost nearing its end of life, and maintaining this car would become more difficult from now, as it has become very difficult to source parts. Moreover, it is 14 years old now.

Ever since I moved to Trivandrum in 2008, I have been using this car here in Kerala, I have never cared to get an NOC from KA RTO. (KL RTO doesn't care much about other state registered cars being used here)

My question is - I am planning to scrap the car here in Trivandrum and cancel its RC. I understand that there are several documents required to cancel the RC, including an address proof. However, now I don't have an address in Bangalore. How difficult will be this cancellation process, given this situation?

vharihar · 21st July 2020, 15:32

With interest rates heading south, does it make sense to switch car loans? (despite the got of prepayment penalty)

I see a lot of articles on refinancing/renegotiating home loans, but none on car loans.

Thoughts?

supremeBaleno · 5th January 2021, 17:20

Quote:

Originally Posted by clevermax

My Palio is almost nearing its end of life, and maintaining this car would become more difficult from now, as it has become very difficult to source parts. Moreover, it is 14 years old now.

My question is - I am planning to scrap the car here in Trivandrum and cancel its RC.

Why not list the car for sale in KA & sell it there after one last drive with it there ? IMO better than junking a well maintained working car.
While it might not fetch much, atleast better than scrapping.

Another option is to get an NOC from KA (process is easier today) and register in Kerala. I recently got an NOC for my 15yo Baleno from TN & registered it in KL for another 5 years - the Kerala part was straightforward & without any agents/bribes. For TN, I had to use an agent as I don't stay there anymore.

BowMan · 29th April 2023, 20:14

Guys this is specifically for Delhi RTO NOC to other state application submitted through online portal. Not for any other RTOs.

My query is, are original documents posted to the RTO? Or they have to be presented in person?

Mike_Schumacher · 5th September 2024, 14:20

Apologies for bumping up an old thread.

I re-registered my car to KA plate last year, however, the NOC received from bank is showing the old registration details.

Will this work, or do I need to get the NOC document with the current KA number ?

shalabh_sahai · 18th November 2024, 10:36

I need to remove Hypothecation for my car. Mumbai RTO in MH47 Borivali/Kandivali. I have tried online but somehow it doesnt allow virtual for some reason in my case. Can anyone point to a reliable agent as I am based in Pune now and will want to complete the process in a single visit

itwasntme · 22nd November 2024, 15:36

Was trying to remove the hypothecation on my KA50 XL6 after loan prepayment, and visited the Parivahan portal for an online appointment. At this stage, it asks to verify the licence plate with the chassis number.

However, I'm facing a consistent error that "Paper RC pending at printing as application has been made for KAxxxxx".

I queried the unique application number and saw that it was "DISPATCH RC Generated XXX" but the Current Dispatch details were blank. Now I had received the RC in hand right then so there is no worry there.

But is this a simple mistake at the RTO or a deliberate attempt to make a customer visit and then fleece them? Very irritating to visit them now - will need to waste time there.

13th August 2019, 01:19	#241
VirginWheels Newbie Join Date: Apr 2018 Location: Calcutta, India Posts: 21 Thanked: 32 Times	Re: All queries about Loan NOC, RC Entry and Hypothecation removal Apologies for re-starting an old thread. Urgent help needed! I am driving a Karnataka registered (RTO - KA03) car in Kolkata since 2017 and I did not take an NOC from Karnataka RTO when moving to Kolkata as the duration of my stay in Kolkata was uncertain. Now I want to get an NOC from Karnataka and wish to re-register the vehicle in West Bengal. I have a car loan with SBI Mahadevpura branch, which I will be foreclosing. I need help with the following queries: 1. Do I have to take the car to Bangalore for obtaining the NOC? I will be going there anyways to close the loan and bank formalities. 2. Do I need to be physically present at the RTO to obtain an NOC? Can I get it done by an agent? If so, kindly share the contacts. My email id is rajibghosh.rg@gmail.com 3.The Karnataka Transport Department website lists ‘Emission Test Certificate’ as one of the documents. I currently have a PUCC from Kolkata which is expiring on 30-Aug-2019. Will that be accepted or do they need one from Karnataka? If that is the scenario, I have no option but to drive the car to Bangalore. Plan B (will be very sad and unacceptable though.) I have had a visit to one of their branches in Kolkata and they said they can buy the car, but since I have a loan with SBI in a different city, I will have to close the loan myself first and obtain Form35. My car was purchased in June 2016 and I have no intentions to sell. Please advise… Thanks in advance.
	() Thanks

3rd October 2019, 11:58	#243
clevermax Senior - BHPian Join Date: Jun 2006 Location: Tvm/Amsterdam Posts: 2,112 Thanked: 2,897 Times View My Garage	RC Cancellation - KA Registered, being used in KL My Palio is almost nearing its end of life, and maintaining this car would become more difficult from now, as it has become very difficult to source parts. Moreover, it is 14 years old now. Ever since I moved to Trivandrum in 2008, I have been using this car here in Kerala, I have never cared to get an NOC from KA RTO. (KL RTO doesn't care much about other state registered cars being used here) My question is - I am planning to scrap the car here in Trivandrum and cancel its RC. I understand that there are several documents required to cancel the RC, including an address proof. However, now I don't have an address in Bangalore. How difficult will be this cancellation process, given this situation? Last edited by clevermax : 3rd October 2019 at 12:03.
	() Thanks

21st July 2020, 15:32	#244
vharihar BHPian Join Date: Jan 2008 Location: Bangalore Posts: 968 Thanked: 1,557 Times	Re: All queries about Loan NOC, RC Entry and Hypothecation removal With interest rates heading south, does it make sense to switch car loans? (despite the got of prepayment penalty) I see a lot of articles on refinancing/renegotiating home loans, but none on car loans. Thoughts?
	() Thanks

29th April 2023, 20:14	#246
BowMan BHPian Join Date: Dec 2013 Location: Gandhinagar Posts: 249 Thanked: 620 Times	Re: All queries about Loan NOC, RC Entry and Hypothecation removal Guys this is specifically for Delhi RTO NOC to other state application submitted through online portal. Not for any other RTOs. My query is, are original documents posted to the RTO? Or they have to be presented in person?
	() Thanks

5th September 2024, 14:20	#247
Mike_Schumacher BHPian Join Date: Aug 2022 Location: Bengaluru Posts: 92 Thanked: 240 Times	Re: All queries about Loan NOC, RC Entry and Hypothecation removal Apologies for bumping up an old thread. I re-registered my car to KA plate last year, however, the NOC received from bank is showing the old registration details. Will this work, or do I need to get the NOC document with the current KA number ?
	() Thanks

18th November 2024, 10:36	#248
shalabh_sahai BHPian Join Date: Apr 2011 Location: Pune, ex-Mumbai Posts: 33 Thanked: 2 Times	Re: All queries about Loan NOC, RC Entry and Hypothecation removal I need to remove Hypothecation for my car. Mumbai RTO in MH47 Borivali/Kandivali. I have tried online but somehow it doesnt allow virtual for some reason in my case. Can anyone point to a reliable agent as I am based in Pune now and will want to complete the process in a single visit
	() Thanks

22nd November 2024, 15:36	#249
itwasntme Distinguished - BHPian Join Date: May 2007 Location: BANGALORE Posts: 7,722 Thanked: 14,166 Times View My Garage	Re: All queries about Loan NOC, RC Entry and Hypothecation removal Was trying to remove the hypothecation on my KA50 XL6 after loan prepayment, and visited the Parivahan portal for an online appointment. At this stage, it asks to verify the licence plate with the chassis number. However, I'm facing a consistent error that "Paper RC pending at printing as application has been made for KAxxxxx". I queried the unique application number and saw that it was "DISPATCH RC Generated XXX" but the Current Dispatch details were blank. Now I had received the RC in hand right then so there is no worry there. But is this a simple mistake at the RTO or a deliberate attempt to make a customer visit and then fleece them? Very irritating to visit them now - will need to waste time there.
	() Thanks