KL · Hypothecation Removal

Remove Hypothecation from RC in Kerala

Full guide to clear the HPA endorsement from your Registration Certificate in Kerala — Form 35 process, fees, bank NOC template, and all 88 RTOs handling hypothecation termination.

State Code

RTO Offices

Total Fee

₹300–₹500

Timeline

7–15 days

State Transport Portal

https://mvd.kerala.gov.in

Visit state portal →

National Portal

parivahan.gov.in

Apply on Parivahan →

Hypothecation Removal Process in Kerala

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 Kerala → 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 Kerala.

Documents Required in Kerala

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

RTO Offices in Kerala Handling Hypothecation Termination

Showing 16 of 88 RTO offices in Kerala. All offices process Form 35 for HPA removal.

KL-01

Thiruvananthapuram

Thiruvananthapuram, Kerala

KL-02

Kollam

Kollam, Kerala

KL-03

Pathanamthitta

Pathanamthitta, Kerala

KL-04

Alappuzha

Alappuzha, Kerala

KL-05

Kottayam

Kottayam, Kerala

KL-06

Idukki

Idukki, Kerala

KL-07

Kochi, Ernakulam District.

Kochi, Ernakulam District., Kerala

KL-08

Thrissur

Thrissur, Kerala

KL-09

Palakkad

Palakkad, Kerala

KL-10

Malappuram (part of Ernad, Perintalmanna & Tirur Taluks)

Malappuram (part of Ernad, Perintalmanna & Tirur Taluks), Kerala

KL-11

Kozhikode

Kozhikode, Kerala

KL-12

Kalpetta, Wayanad District

Kalpetta, Wayanad District, Kerala

KL-13

Kannur

Kannur, Kerala

KL-14

Kasaragod

Kasaragod, Kerala

KL-15

Nationalised Sector I, Thiruvananthapuram

Nationalised Sector I, Thiruvananthapuram, Kerala

KL-16

Attingal, Thiruvananthapuram District

Attingal, Thiruvananthapuram District, Kerala

View all 88 RTOs in Kerala →

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

Hypothecation FAQs — Kerala

Where do I remove hypothecation from my RC in Kerala?

You can apply either at the RTO where your vehicle is registered in Kerala, or online on parivahan.gov.in / https://mvd.kerala.gov.in. There are 88 RTO offices across Kerala that process hypothecation termination.

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

The standard fee in Kerala 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 Kerala?

Most Kerala 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 Kerala 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 Kerala?

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

What is the Kerala state transport portal?

Kerala uses https://mvd.kerala.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 Kerala?

Kerala Transport Department helpline: 0471-2328530. You can also email or visit your registering RTO office for escalation.