Kerala - Remove Mortgage (Hypothecation) from Vehicle Registration Certificate (RC)

Advertisement

Procedure

• Removal of mortgage from vehicle registration certificate is important to claim the ownership of the vehicle, which in case of hypothecation, will be in favour of the lender. As and when the loan repayment is complete it is advised to apply for this procedure to claim benefits like Insurance.
  
  

Apply In-Person

1. Make sure the repayment of loan. Get the nil balance statement or on the lenders book.
2. Get a no dues certificate from the lender. This certificate will state that you have completely paid the dues to the lender.
3. Please take the NOC from lender to ensure that the lender does not have any objection with vehicle loan hypothecation removal. Make multiple copies of this document. Please approach RTO immediately to apply as the validity of the NOC is for a limited period only
4. To remove mortgage from vehicle registration certificateapplicant has to approach their RTO office. Please follow our “Office Locations & Contacts” section of this page to get details of the RTO offices.
   
5. Link for RTO contacts: Link for contact
   
6. Complete the application form35 - Link to download:link
   
7. Make sure that all the required documents are in hand.
   
8. Application forms can be obtained from the appropriate RTO offices that should be completed and presented with appropriate fees.
   
9. Please submit the forms along with set of documents at the right counter.
10. The officer at the counter will start processing your application. Please pay as authority quote.
    
11. Verification of document submitted. Physical verification of vehicle for chassis number will be carried. After verifying the submitted documents, applicant will get an acknowledgement receipt.
    
12. Please keep it safe for future reference. Authorities will inform applicants date and time to visit RTO office to collect updated RC book.
13. Applicant shall leave the office now.
14. Applicant shall go back to the RTO office on the advised date and collect the updated RC book from the respective counter after counter signing the registry.
15. Please check whether all the details mentioned on the RC book are correct and error free.
    
    

Note

• If there is any change in address of the applicant then Form 33 need to be used while applying to reflect the new address on the RC book. Link for form 33 : Form 33
  

Apply online:

1. Visit the following portal: portal.
2. Now select the state from the drop down menu.
3. After selecting the state the applicant will be redirected to the Vahan Parivahan website.
4. On the new page on the left side there is a box to select state and RTO, click on proceed.
5. Select online services to “Apply for Transfer of Ownership, Change of Address, Hypothecation [Addition/Continuation/Termination], Duplicate RC]”.
6. Next select Application for New Certificate > Enter Chassis number > Enter Mobile Number > Click Generate OTP. #Now select the desired option.
7. Fill in all the details and pay the application fees.
8. Note the application number and visit the nearest RTO for details regarding date, time, and venue for vehicle inspection. Appear at the given date and time for getting the vehicle inspected to get the license.

Apply through Centres:

1. To apply through centres, the applicant has to visit the respective “CSC” centre. Please tap on the following link to locate the centre according to the respective district: link.
2. Make sure to have the documents that are listed under the “Required Documents” section of this page.
3. It is advised to take the documents in original to the kiosk for scanning purposes.
4. The operator will process the application online.
5. On successful submission, the applicant will receive an application number as acknowledgement.
6. The updated certificate will be hand delivered or sent through post to the address mentioned while applying in a stipulated period of time.

Advertisement

Required Documents

• Original form 35 signed and stamped by the borrower and lender.
  
• Application form35 - Link to download the form : Form 35 link
  
• Registration Certificate
  
• Attested copy of insurance policy
  
• Attested copy of PAN
  
• Affidavit sworn by the applicant before an Executive or First Class Judicial Magistrate or Notary public as per requirement.
  
• Original No Objection Certificate from lender
  
• Proof of changed address if any. ( Ration card / Voter ID / LIC Policy)
  
• Payment of green tax wherever applicable.
  
• Aadhaar card
  
• Pollution under control certificate
  
• School certificate / Birth certificate

Office Locations & Contacts

Transport Commissionerate, Motor Vehicles Department, Kerala
2nd Floor, Trans Tower, CV Raman Pillai Rd,
DPI, Vazhuthacaud, Thiruvananthapuram,
Kerala 695014
Phone: 0471 233 3317
Location in Map

Following link will provide RTO Contact details: Link for RTO Contact Info

Eligibility

Owner of the vehicle is eligible.

Fees

• Please pay as authorities quote
• Fee related details are provided under the following link: Fees
  

Validity

Validity remains same.

Documents to Use

Please attach documents that can be used by people. e.g. links

Sample Documents

Please attach sample completed documents that would help other people.

Processing Time

This procedure can be completed on the same day and the certificate can be collected on the notified day.

Related Videos

Videos explaining the procedure or to fill the applications. 
Attach videos using the following tag <&video type='website'>video ID|width|height<&/video&> from external websites. 	
Please remove the '&' inside the tags during implementation.
Website = allocine, blip, dailymotion, facebook, gametrailers, googlevideo, html5, metacafe, myspace, revver, 
sevenload, viddler, vimeo, youku, youtube
width = 560, height = 340, Video ID = Can be obtained from the URL of webpage where the video is displayed.
e.g In the following url 'http://www.youtube.com/watch?v=Y0US7oR_t3M' Video ID is 'Y0US7oR_t3M'.

Instructions

Please provide other instructions related to the certificate/documents.
e.g. The state office holds birth records since january 1908.

Required Information

A list which displays the kind of information which is required to complete the procedure.
e.g.
1. Date of Birth.
2. City or County of Birth.

Need for the Document

• Any change in the address of the vehicle owner has to be intimated and proper updating should be made.
• Removal of mortgage ensures the ownership of the vehicle.
• Vehicle registration's purpose is to establish clear ownership and to tax motorist or vehicle owners. It is a requirement by the state.

Information which might help

• One who wishes to sell his or her vehicle should make sure that the proper name transfer in RC is carried out

Other uses of the Document/Certificate

Please explain what are other uses of obtaining this document/certificate.
e.g. Birth Certificate can be used as proof of identity.

External Links

Place some external links which might help.

Others

More information which might help people.