GJ · Hypothecation Removal

Remove Hypothecation from RC in Gujarat

Full guide to clear the HPA endorsement from your Registration Certificate in Gujarat — Form 35 process, fees, bank NOC template, and all 37 RTOs handling hypothecation termination.

State Code

RTO Offices

Total Fee

₹300–₹500

Timeline

7–15 days

State Transport Portal

https://rtogujarat.gov.in

Visit state portal →

National Portal

parivahan.gov.in

Apply on Parivahan →

Hypothecation Removal Process in Gujarat

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 Gujarat → 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 Gujarat.

Documents Required in Gujarat

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

RTO Offices in Gujarat Handling Hypothecation Termination

Showing 16 of 37 RTO offices in Gujarat. All offices process Form 35 for HPA removal.

GJ-01

Ahmedabad (West), Subhash Bridge

Ahmedabad (West), Subhash Bridge, Gujarat

GJ-02

Mehsana

Mehsana, Gujarat

GJ-03

Rajkot

Rajkot, Gujarat

GJ-04

Bhavnagar

Bhavnagar, Gujarat

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Surat

Surat, Gujarat

GJ-06

Vadodara

Vadodara, Gujarat

GJ-07

Nadiad, Kheda District

Nadiad, Kheda District, Gujarat

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Palanpur, Banaskantha District

Palanpur, Banaskantha District, Gujarat

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Himmatnagar, Sabarkantha District

Himmatnagar, Sabarkantha District, Gujarat

GJ-10

Jamnagar

Jamnagar, Gujarat

GJ-11

Junagadh

Junagadh, Gujarat

GJ-12

Bhuj, Kutch District (West)

Bhuj, Kutch District (West), Gujarat

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Surendranagar

Surendranagar, Gujarat

GJ-14

Amreli

Amreli, Gujarat

GJ-15

Valsad

Valsad, Gujarat

GJ-16

Bharuch

Bharuch, Gujarat

View all 37 RTOs in Gujarat →

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

Hypothecation FAQs — Gujarat

Where do I remove hypothecation from my RC in Gujarat?

You can apply either at the RTO where your vehicle is registered in Gujarat, or online on parivahan.gov.in / https://rtogujarat.gov.in. There are 37 RTO offices across Gujarat that process hypothecation termination.

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

The standard fee in Gujarat 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 Gujarat?

Most Gujarat 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 Gujarat 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 Gujarat?

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

What is the Gujarat state transport portal?

Gujarat uses https://rtogujarat.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 Gujarat?

Gujarat Transport Department helpline: 079-25507272. You can also email or visit your registering RTO office for escalation.