UP · Hypothecation Removal

Remove Hypothecation from RC in Uttar Pradesh

Full guide to clear the HPA endorsement from your Registration Certificate in Uttar Pradesh — Form 35 process, fees, bank NOC template, and all 77 RTOs handling hypothecation termination.

State Code

RTO Offices

Total Fee

₹300–₹500

Timeline

7–15 days

State Transport Portal

https://uptransport.upsdc.gov.in

Visit state portal →

National Portal

parivahan.gov.in

Apply on Parivahan →

Hypothecation Removal Process in Uttar Pradesh

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 Uttar Pradesh → 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 Uttar Pradesh.

Documents Required in Uttar Pradesh

✓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 Uttar Pradesh
✓Two passport photographs
✓Form 20 (in some RTOs)
✓Challan clearance certificate

RTO Offices in Uttar Pradesh Handling Hypothecation Termination

Showing 16 of 77 RTO offices in Uttar Pradesh. All offices process Form 35 for HPA removal.

UP-1

Defunct

Defunct, Uttar Pradesh

UP-10

Defunct

Defunct, Uttar Pradesh

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Saharanpur

Saharanpur, Uttar Pradesh

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Muzaffarnagar

Muzaffarnagar, Uttar Pradesh

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Bulandshahr

Bulandshahr, Uttar Pradesh

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Ghaziabad

Ghaziabad, Uttar Pradesh

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Meerut

Meerut, Uttar Pradesh

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Noida

Noida, Uttar Pradesh

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Baghpat

Baghpat, Uttar Pradesh

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Shamli

Shamli, Uttar Pradesh

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Bijnor

Bijnor, Uttar Pradesh

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Moradabad

Moradabad, Uttar Pradesh

UP-22

Rampur

Rampur, Uttar Pradesh

UP-23

Amroha

Amroha, Uttar Pradesh

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Badaun

Badaun, Uttar Pradesh

UP-25

Bareilly

Bareilly, Uttar Pradesh

View all 77 RTOs in Uttar Pradesh →

⚠️ Penalties in Uttar Pradesh 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 Uttar Pradesh.
• Insurance claim payouts may default to the financier.

Hypothecation FAQs — Uttar Pradesh

Where do I remove hypothecation from my RC in Uttar Pradesh?

You can apply either at the RTO where your vehicle is registered in Uttar Pradesh, or online on parivahan.gov.in / https://uptransport.upsdc.gov.in. There are 77 RTO offices across Uttar Pradesh that process hypothecation termination.

What is the fee to remove HPA from RC in Uttar Pradesh?

The standard fee in Uttar Pradesh 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 Uttar Pradesh?

Most Uttar Pradesh 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 Uttar Pradesh 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 Uttar Pradesh?

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

What is the Uttar Pradesh state transport portal?

Uttar Pradesh uses https://uptransport.upsdc.gov.in 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 Uttar Pradesh?

Uttar Pradesh Transport Department helpline: 0522-2638897. You can also email or visit your registering RTO office for escalation.