KA · Hypothecation Removal

Remove Hypothecation from RC in Karnataka

Full guide to clear the HPA endorsement from your Registration Certificate in Karnataka — Form 35 process, fees, bank NOC template, and all 67 RTOs handling hypothecation termination.

State Code

RTO Offices

Total Fee

₹300–₹500

Timeline

7–15 days

State Transport Portal

https://transport.karnataka.gov.in

Visit state portal →

National Portal

parivahan.gov.in

Apply on Parivahan →

Hypothecation Removal Process in Karnataka

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 Karnataka → 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 Karnataka.

Documents Required in Karnataka

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

RTO Offices in Karnataka Handling Hypothecation Termination

Showing 16 of 67 RTO offices in Karnataka. All offices process Form 35 for HPA removal.

KA-01

Bengaluru Central, HSR Layout (Previously located in Koramangala)

Bengaluru Central, HSR Layout (Previously located in Koramangala), Karnataka

KA-02

Bengaluru West, Rajajinagar

Bengaluru West, Rajajinagar, Karnataka

KA-03

Bengaluru East, Kasturinagar (Previously located in Indiranagar)

Bengaluru East, Kasturinagar (Previously located in Indiranagar), Karnataka

KA-04

Bengaluru North, Yeshwantpur

Bengaluru North, Yeshwantpur, Karnataka

KA-05

Bengaluru South, Jayaprakash Nagara (Previously located in Jayanagar)

Bengaluru South, Jayaprakash Nagara (Previously located in Jayanagar), Karnataka

KA-06

Tumakuru

Tumakuru, Karnataka

KA-07

Kolar

Kolar, Karnataka

KA-08

Kolar (KGF region)

Kolar (KGF region), Karnataka

KA-09

Mysuru West

Mysuru West, Karnataka

KA-10

Chamarajanagar

Chamarajanagar, Karnataka

KA-11

Mandya

Mandya, Karnataka

KA-12

Madikeri

Madikeri, Karnataka

KA-13

Hassan

Hassan, Karnataka

KA-14

Shivamogga

Shivamogga, Karnataka

KA-15

Sagara

Sagara, Karnataka

KA-16

Chitradurga

Chitradurga, Karnataka

View all 67 RTOs in Karnataka →

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

Hypothecation FAQs — Karnataka

Where do I remove hypothecation from my RC in Karnataka?

You can apply either at the RTO where your vehicle is registered in Karnataka, or online on parivahan.gov.in / https://transport.karnataka.gov.in. There are 67 RTO offices across Karnataka that process hypothecation termination.

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

The standard fee in Karnataka 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 Karnataka?

Most Karnataka 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 Karnataka 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 Karnataka?

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

What is the Karnataka state transport portal?

Karnataka uses https://transport.karnataka.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 Karnataka?

Karnataka Transport Department helpline: 080-22353553. You can also email or visit your registering RTO office for escalation.