PB · Hypothecation Removal

Remove Hypothecation from RC in Punjab

Full guide to clear the HPA endorsement from your Registration Certificate in Punjab — Form 35 process, fees, bank NOC template, and all 94 RTOs handling hypothecation termination.

State Code

RTO Offices

Total Fee

₹300–₹500

Timeline

7–15 days

State Transport Portal

https://punjabtransport.org

Visit state portal →

National Portal

parivahan.gov.in

Apply on Parivahan →

Hypothecation Removal Process in Punjab

1
Close the loan & get bank NOC
Pay the final EMI on your vehicle loan, then request an NOC from your bank / NBFC. See our bank NOC guide for application steps and bank-wise timelines.
2
Download / collect Form 35
Available on parivahan.gov.in under Downloadable Forms, or at any RTO reception desk. Three copies — two signed by the financier, one by the owner.
3
Apply online (fastest) or at RTO
Online: parivahan.gov.in → Vehicle Related Services → Select Punjab → Hypothecation Termination. Offline: visit your registering RTO.
4
Upload / submit documents
Form 35, original NOC from bank, RC, valid insurance, PUC, Aadhaar/PAN, address proof, and (if applicable) affidavit for lost documents.
5
Pay the fee
Approx ₹100 (HPA termination) + ₹200 (smart-card RC). Card, net-banking, or UPI accepted.
6
RTO verification
RTO cross-verifies NOC with the bank's records (many states now verify digitally via Vahan).
7
Receive updated RC
New plastic RC without HPA endorsement is dispatched to your registered address within 7–15 working days in Punjab.

Documents Required in Punjab

✓Filled Form 35 (2 copies)
✓Original bank NOC on letterhead
✓Original RC
✓Valid vehicle insurance certificate
✓Valid PUC certificate
✓Owner's Aadhaar + PAN
✓Proof of address in Punjab
✓Two passport photographs
✓Form 20 (in some RTOs)
✓Challan clearance certificate

RTO Offices in Punjab Handling Hypothecation Termination

Showing 16 of 94 RTO offices in Punjab. All offices process Form 35 for HPA removal.

PB-01

Rented cars, self drive cars in Chandigarh & taxi vehicles from Punjab

Rented cars, self drive cars in Chandigarh & taxi vehicles from Punjab, Punjab

PB-02

Amritsar (1)

Amritsar (1), Punjab

PB-03

Bathinda

Bathinda, Punjab

PB-04

Faridkot

Faridkot, Punjab

PB-05

Ferozpur

Ferozpur, Punjab

PB-06

Gurdaspur

Gurdaspur, Punjab

PB-07

Hoshiarpur

Hoshiarpur, Punjab

PB-08

Jalandhar (1)

Jalandhar (1), Punjab

PB-09

Kapurthala

Kapurthala, Punjab

PB-10

Ludhiana (West)

Ludhiana (West), Punjab

PB-11

Patiala

Patiala, Punjab

PB-12

Rupnagar

Rupnagar, Punjab

PB-13

Sangrur

Sangrur, Punjab

PB-14

Ajnala

Ajnala, Punjab

PB-15

Abohar

Abohar, Punjab

PB-16

Anandpur Sahib

Anandpur Sahib, Punjab

View all 94 RTOs in Punjab →

⚠️ Penalties in Punjab for Delay

• NOC becomes stale after 90 days — fresh NOC may be required.
• Vehicle sale / transfer cannot be registered while HPA is active.
• Cross-state re-registration blocked — relevant if you're moving out of Punjab.
• Insurance claim payouts may default to the financier.

Hypothecation FAQs — Punjab

Where do I remove hypothecation from my RC in Punjab?

You can apply either at the RTO where your vehicle is registered in Punjab, or online on parivahan.gov.in / https://punjabtransport.org. There are 94 RTO offices across Punjab that process hypothecation termination.

What is the fee to remove HPA from RC in Punjab?

The standard fee in Punjab is ₹100 for hypothecation termination (Form 35) + ₹200 for the new smart-card RC. Some RTOs add a small service charge, bringing the total to around ₹300–₹500.

How long does HPA removal take in Punjab?

Most Punjab RTOs complete hypothecation termination in 7–15 working days from document submission. Online Parivahan applications are usually faster than walk-in visits.

Which forms are required in Punjab to remove hypothecation?

You need Form 35 (Notice of Termination of Hypothecation) in duplicate, the bank NOC in original, your RC, valid insurance, PUC, and ID/address proof. If you also want to transfer ownership, add Form 29 and Form 30.

Can I remove hypothecation online in Punjab?

Yes. Punjab is integrated with Parivahan Sewa. Visit parivahan.gov.in → Online Services → Vehicle Related Services → select Punjab → Hypothecation Termination. Upload scanned NOC and documents, pay online, and track the application status.

What is the Punjab state transport portal?

Punjab uses https://punjabtransport.org as its state transport portal, alongside Parivahan Sewa. Some state-specific services — like slot booking and physical inspection — are available only on the state portal.

Who do I contact for hypothecation help in Punjab?

Punjab Transport Department helpline: 0172-2740169. You can also email or visit your registering RTO office for escalation.