Re: ARTICLE: RTO Hypothecation Removal Process - Step by Step Guide Thanks to the enormous info shared in the article and the insane high price, the agents were charging for hypothecation removal services, I decided to do this on my own after completing my car loan in 2011.
Some of the points I want to share from my experiences with KA-51, Electronics City RTO Office.
- Keeping the documents (Xerox copies) in handy will save a lot of time. Please keep stapler and punching machine handy.
- All we need is cash receipts ( 2 ), NOC Certificate from Bank, 2 copies of Form 35, Emission certificate copy, Insurance copy, Self Addresses envelope (Rs 17 for Local address and Rs 25 for out station address) along with the original RC Book. Incase of Smart Card, put it in a small transparent cover. Dont forget to sign in Form-35 (Special thanks to Krato for the detailed list.)
- Facilities around KA-51 office have improved a lot now with few shops around. Self addressed envelope, file to keep all the documents and plastic cover for the smart card can be bought from these shops.
- Go to the first counter in the entrance marked for Non-Transport vehicles. The person in the counter was little courteous and explained all the needed details. He will write the amount to be paid on the NOC certificate itself with the date. Also there are no dedicated counters, just that there is one big reception counter with different RTO officials sitting behind the counter.
- Pay the amount in the cash counter for Rs.100 and we will get two receipts. Also remember, the cash payment counter is open only till 12:30 on Saturdays. I was lucky enough to make the payment at 12:25 PM and they were almost winding up for the day.
- Staple all the documents in order mentioned above along with the cash receipts and go to the last counter.
- This was the most difficult part for me. The lady sitting at the counter doesn't know at all what does it mean to be courteous to citizens. What ever we submit, she will have an excuse and expresses her displeasure. I observed this for couple of other citizens too who were there with me. For the agents, she was more than to happy to help. I understand the reason as they get their share from the agents directly and some of the agents directly drop the money into their counters.
- Dont get annoyed by her behavior and maintain a pleasant smile all the way. She will recheck the documents and will give us an acknowledgement slip. This is the most important part of the entire procedure.
- An entry will be made into the register with a serial no allotted and the same will be written on the acknowledgement slip too.
- In my case, she just gave the no (607) which was already entered in the register for another vehicle. I realized this, went back to her and informed that she has entered the wrong no and there was no entry made in the register for my car. She made all sorts of faces and with utmost attitude entered my details under 608 and corrected it on my ack slip too. Just before that another agent was there and she wrote the same entry 608 on the slip. I wonder what will happen to that and whether this entry in the register will be taken care seriously or not. But from what I remember from my previous encounters in RTO office ( Vehicle re-registration, etc..), maintaining this entry is very important. Along with the ack slip, that entry in the register is another proof that we have surrendered our RC book with RTO for whatever purpose it is.
- I was told that I will get my Smart Card back in 20 days, due to the ongoing elections. I am not at all confident this will happen and I am prepared to go back to the RTO office again.
What is disgusting is the attitude of Govt.Officials and how they treat the citizens. But at the end, I felt happy that I didnt pay any bribe. Btw, one of the agents I inquired with in Koramangala asked for Rs 1000 for RC book and Rs 1250 for a smart card.
Total amount I spent : Rs 100 (RTO Fees) + Rs 72 (Stationery) = Rs 172.
Total time spent including the to and fro drive from my home on Sarjapur Road = 2 hours
Satisfaction that I didnt pay a bribe : PRICELESS
Cheers,
Greg |