Motor Vehicles Act, 1988

The Motor Vehicles Act was passed in the year 1988. It regulates all the aspects of road transport vehicles. The act provides detailed guidelines on the licensing of the drivers and conductors, registration of motor vehicles, the provision on controlling their permits, traffic regulations, related insurances, liabilities, and penalties. Let us have a look at the act in detail.

What are the offences covered under the Motor Vehicle Act?

The following are the offences which are covered under the Motors Vehicles Act.

Offense related to documents

Section	Penalty	Offense
Section 181 of the Motor Vehicle Act	Rs. 5,000*	Driving without carrying a valid driving license
Section 180 of the Motor Vehicle Act	Rs. 5,000*	Unauthorized driving of a vehicle without carrying a valid driving license
Section 177 of the Motor Vehicle Act	Rs. 500*	General
130(3) r/w 177 the Motor Vehicle Act	Rs. 500*	Not carrying the required documents as specified in the Motor Vehicle Act while driving
Section 196 of the Motor Vehicle Act	Rs. 2,000*	Driving without a valid auto insurance
Section 192 A of the Motor Vehicle Act	Up to Rs 10,000*	Driving without a valid permit
Section 178 of the Motor Vehicle Act	Rs. 500*	Traveling without ticket
Section 182 of the Motor Vehicle Act	Rs. 10,000*	Driving after being disqualified
Section 206 of the Motor Vehicle Act	Suspension of driving license under Section 183, 184, 185, 189, 190, 194C, 194D, and 194E*	Power of Officers towards impounding documents
Section 193 of the Motor Vehicle Act	Rs. 25,000 to INR 1 lakh	Violating licensing conditions (Aggregators)
130 r/w 177 Motor Vehicle Act	Up to Rs. 5,000 and no less than Rs. 2,000	Driving without a Valid Vehicle Fitness Certificate
39 r/w 192 Motor Vehicle Act	Rs 2000	A vehicle without RC Book (Registration Certificate)

Offenses related to driving

Section	Penalty	Offenses
Section 177A (New) of the Motor Vehicle Act	Rs. 500*	Violation of rules of road regulation
4 r/w 181 Motor Vehicle Act	Rs. 500	Driving by a minor (aged below 18)
Section 199 of the Motor Vehicle Act	The fine amount of Rs.25,000 and 3 years of imprisonment to be faced by the guardian of the individual or owner of the vehicle; The individual is to be tried under the JJ Act and the registration of the vehicle is to be cancelled*	Offences made by juveniles (aged below 18 years)
Section 179 of the Motor Vehicle Act	Rs. 2,000*	Not obeying the orders of the authorities
Section 183 of the Motor Vehicle Act	Rs. 1,000 for Light Motor Vehicles (LMVs); INR 2,000 for Medium Passenger Vehicles (MPVs)*	Over speeding of vehicle
Section 182 B of the Motor Vehicle Act	Rs. 5,000*	Oversize vehicles
5 r/w 180 Motor Vehicle Act	Rs. 1,000	Letting an unlicensed fellow drive
129 r/w177 Motor Vehicle Act	Rs. 1,000 and disqualification of driving license for 3 months*	Driving two-wheelers without wearing a helmet
Section 194 B of the Motor Vehicle Act	Rs. 1,000*	Driving without fastening the seat belts
Section 177 of the Motor Vehicle Act	Rs. 1,000*	Rough/ Reckless/ Negligent Driving
Section 184 of the Motor Vehicle Act	Rs. 5,000*	Dangerous driving
Section 189 of the Motor Vehicle Act	Rs. 5,000*	Racing or speeding on public roads
Section 194 E of the Motor Vehicle Act	Rs. 10,000*	Not making way for emergency vehicles
112-183 Motor Vehicle Act	Court Challan	Not driving in the proper lane
66 r/w 192 Motor Vehicle Act	Rs. 100	Driving in the centre and not keeping to the left side of the road
2 RRR r/w 177 Motor Vehicle Act	Rs. 100	Driving against One Way
17 (i) RRR 177 Motor Vehicle Act	Rs. 100	Reversing without due caution and care
MMVR 233	Rs. 100	Taking “U” turn during forbidden hours
177 Motor Vehicle Act	Rs. 100	Not taking adequate care while taking a “Turn”
12 RRR	Rs. 100	Failing to slow down at intersection/ junction
177 Motor Vehicle Act	Rs. 100	Not carrying on the left of the traffic island
3 RRR	Rs. 100	Carrying people on Footboard
177 Motor Vehicle Act	Rs. 100	Carrying people to the point that it causes inconvenience (be it for rear-view visibility or gear shifting) to the driver
128/177 Motor Vehicle Act	Rs. 100	Tripling on bikes/ two-wheelers
RRR 177 Motor Vehicle Act	Rs. 100	Driving on Footpath
RRR 177 Motor Vehicle Act	Rs. 100	Stopping at pedestrian from crossing or crossing a Stop Line (Zebra Cross)

Offenses related to Road marking

Section	Penalty	Offense
119/177 Motor Vehicle Act	Rs. 100	Violating the Yellow Line
113(1)/177 DMVR	Rs. 100	Violating the Stop Line
113(1)/177 DMVR	Rs. 100	Violating the Mandatory Signs

Offenses related to number plates

Section	Penalty	Offense
CMVR 105 (2) (ii)	Rs. 100	Use of Offensive Number Plate for the vehicle used in driving
177 Motor Vehicle Act	Rs 4500	Displaying 'Applied For'

Offenses related to horns

Section	Penalty	Offense
119(1)/177 CMVR	Rs. 100	Driving without a Horn
CMVR 105 (2) (ii)	Rs. 100	Improper usage of the horn when you drive

Offenses related to vehicle lights

Section	Penalty	Offense
CMVR 105 (2) (ii)	Rs. 100	Improper use of headlights and/ or taillight for your vehicle used in driving
177 Motor Vehicle Act	Rs. 100	Using a High Beam when it is not needed

Offenses related to traffic police

Section	Penalty	Offense
119 Motor Vehicle Act	Rs. 100	Disobeying a Traffic Police Officer in uniform
22 (a) RRR	Rs. 100	Driving against Police Signal
177 Motor Vehicle Act	Rs. 100	Not complying with the manual Traffic Signal

Offenses related to traffic signals

Section	Penalty	Offense
22 (b) RRR	Rs. 100	Not complying with the Traffic signal / Sign Board
239 MMVR	Rs. 100	Failing to give the appropriate Signal
177 Motor Vehicle Act	Rs. 100	Signal Jumping

Offenses related to speed and overtaking

Section	Penalty	Offense
112 - 183 Motor Vehicle Act	Up to Rs. 1,000	Driving above the permitted Speed Limits by the Traffic Police
112/ 183 (2) Motor Vehicle Act	Rs. 300	Abetment for Going over the Speed Limit
6 (a) RRR r/w 177 Motor Vehicle Act	Rs. 100	Overtaking hazardously
7 RRR	Rs. 100	Failing to deliberate way to sanction Overtaking
177 Motor Vehicle Act	Rs. 100	Over taking from the wrong side

Offenses related to driving

Section	Penalty	Offence
Section 177A (New) of the Motor Vehicle Act	Rs. 500*	Violation of rules of road regulation
4 r/w 181 Motor Vehicle Act	Rs. 500	Driving by a minor (aged below 18).
Section 199 of the Motor Vehicle Act	The fine amount of Rs.25,000 and 3 years of imprisonment to be faced by the guardian of the individual or owner of the vehicle; The individual is to be tried under the JJ Act and the registration of the vehicle is to be cancelled*	Offences made by juveniles (aged below 18 years)
Section 179 of the Motor Vehicle Act	Rs. 2,000*	Not obeying the orders of the authorities
Section 183 of the Motor Vehicle Act	Rs. 1,000 for Light Motor Vehicles (LMVs); INR 2,000 for Medium Passenger Vehicles (MPVs)*	Over speeding of vehicle
Section 182 B of the Motor Vehicle Act	Rs. 5,000*	Oversize vehicles
5 r/w 180 Motor Vehicle Act	Rs. 1,000	Letting an unlicensed fellow drive
129 r/w177 Motor Vehicle Act	Rs. 1,000 and disqualification of driving license for 3 months*	Driving two-wheelers without wearing a helmet
Section 194 B of the Motor Vehicle Act	Rs. 1,000*	Driving without fastening the seat belts
Section 177 of the Motor Vehicle Act	Rs. 1,000*	Rough/ Reckless/ Negligent Driving
Section 184 of the Motor Vehicle Act	Rs. 5,000*	Dangerous driving
Section 189 of the Motor Vehicle Act	Rs. 5,000*	Racing or speeding on public roads
Section 194 E of the Motor Vehicle Act	Rs. 10,000*	Not making way for emergency vehicles
112-183 Motor Vehicle Act	Court Challan	Not driving in the proper lane
66 r/w 192 Motor Vehicle Act	Rs. 100	Driving in the centre and not keeping to the left side of the road
2 RRR r/w 177 Motor Vehicle Act	Rs. 100	Driving against One Way
17 (i) RRR 177 Motor Vehicle Act	Rs. 100	Reversing without due caution and care
MMVR 233	Rs. 100	Taking “U” turn during forbidden hours
177 Motor Vehicle Act	Rs. 100	Not taking adequate care while taking a “Turn”
12 RRR	Rs. 100	Failing to slow down at intersection/ junction
177 Motor Vehicle Act	Rs. 100	Not carrying on the left of the traffic island
3 RRR	Rs. 100	Carrying people on Footboard
177 Motor Vehicle Act	Rs. 100	Carrying people to the point that it causes inconvenience (be it for rear-view visibility or gear shifting) to the driver
128/177 Motor Vehicle Act	Rs. 100	Tripling on bikes/ two-wheelers
RRR 177 Motor Vehicle Act	Rs. 100	Driving on Footpath

Offences related to Parking

Section	Penalty	Offences
22 (a) RRR 177 of the Motor Vehicle Act	Rs 100	Parking in the same direction of the flow of traffic
15 (2) RRR 177 of the Motor Vehicle Act	Rs 100	Parking away from walkway towards the road
15 (2) RRR 177 of the Motor Vehicle Act	Rs 100	Parking against the flow of traffic
15 (2) RRR 177 of the Motor Vehicle Act		Parking causing Obstruction to other vehicles and people
15 (2) RRR 177 of the Motor Vehicle Act	Rs 100	Parking on any Taxi Stand
15 (1) RRR 177 of the Motor Vehicle Act	Rs 100	Parking in not any specified way
15 (i) RRR 177 of the Motor Vehicle Act	Rs 100	Parking at any Corner/ Edge
15 (2) RRR 177 of the Motor Vehicle Act	Rs 100	Parking within 15 meters on either side of a Bus Stop, causing inconvenience to those waiting for the bus as well as bus drivers
15 (2) (i) RRR 177 of the Motor Vehicle Act	Rs 100	Parking on a Bridge
15 (2) RRR 177 of the Motor Vehicle Act	Rs 100	Parking at any Traffic Island
15 (2) (iii) RRR 177 of the Motor Vehicle Act	Rs 100	Parking in ‘No Parking’ Zone
15 (2) (ii) RRR 177 of the Motor Vehicle Act	Rs 100	Parking on any Pedestrian Crossing
15 (2) (viii) RRR 177 of the Motor Vehicle Act	Rs 100	Parking the vehicle on Walkways
15 (1) RRR 177 of the Motor Vehicle Act	Rs 100	Parking in front of any gate

Offences related to road marking

Section	Penalty	Offences
119/177 Motor Vehicle Act	Rs. 100	Violating the Yellow Line
113(1)/177 DMVR	Rs. 100	Violating the Stop Line
113(1)/177 DMVR	Rs. 100	Violating the Mandatory Signs

Offences related to vehicle number plates

Section	Penalty	Offences
CMVR 105 (2) (ii)	Rs. 100	Use of Offensive Number Plate for the vehicle used in driving
177 Motor Vehicle Act	Rs. 4,500	Displaying 'Applied For

Offences related to commercial vehicles

Section	Penalty	Offences
115/194 Motor Vehicle Act	Up to Rs. 2,000	Working in 'NO ENTRY' Time
11/177, 2/177, 66/192 Motor Vehicle Act	Court Challan	Violating the timetable
29 RRR/177 Motor Vehicle Act	Rs. 100	High and Long / Load in Vehicles
MMVR 83 177 Motor Vehicle Act	Rs. 100	Carrying animals in goods vehicles in contravention of rules.
MMVR 108 177 Motor Vehicle Act	Rs. 100	Transporting people hazardously or carrying people in goods carrier vehicles.
229 MMVR, 29 RRR & 177 Motor Vehicle Act	Rs. 100	Perilous projection of goods
MMVR 202 177 Motor Vehicle Act	Rs. 100	Carrying goods unsafe
MMVR 93 (u) (i) 177 Motor Vehicle Act	Rs. 100	Carrying possessions more than 11 feet high
113/194(1) Motor Vehicle Act	Court Challan	Carrying possessions more than 11 feet high
114/194(2) Motor Vehicle Act	Court Challan	Driver refusing to weigh his vehicle
MMVR 202 & 177 Motor Vehicle Act	Rs. 100	Loading on Tail Board
11(3)/ 177 DMVR	Rs. 100	Misconduct by Taxi or TSR Driver
11(8)/ 177 DMVR	Rs. 100	Over Charging by Taxi or TSR Driver
11(8)/ 177 DMVR	Rs. 100	Over Charging by Taxi or TSR Driver
11(9)/ 177 DMVR	Rs. 100	Refusal by Taxi or TSR Driver
7/ 177 DMVR	Rs. 100	Driving without Khaki Uniform
22 (1)/ 177 DMVR	Rs. 100	Driver without wearing a Badge
23 (1)/ 177 DMVR	Rs. 100	A conductor without the specified Uniform
22 (1)/ 177 DMVR	Rs. 100	Conductor without Badge
66/ 192 Motor Vehicle Act	Court Challan	Stopping without a Bus stop
207 (1) Motor Vehicle Act	Court Challan	Power to detain Vehicle driven in infringement of section 3.4,39 or 66(1) MV Act

Offences related to horn

Section	Penalty	Offences
119(1)/177 CMVR	Rs. 100	Driving without a Horn
CMVR 105 (2) (ii)	Rs. 100	Improper usage of the horn when you drive

Offences related to vehicle lights

Section	Penalty	Offences
CMVR 105 (2)	Rs. 100	Improper use of headlights and/ or taillight for your vehicle used in driving
177 Motor Vehicle Act	Rs. 100	Using a High Beam when it is not needed

Offence related to towing of automobiles

Section	Penalty	Offences
RRR 177 Motor Vehicles Act	Rs. 100	Two-Wheeler
RRR 177 Motor Vehicles Act	Rs. 200	Car, Jeep, Cab, Auto Rickshaw
RRR 177 Motor Vehicles Act	Rs. 600	Truck, Tanker, Trailer

Offences related to pollution

Section	Penalty	Offences
86 (1) (5)/ 177 DMVR	Rs. 100	Smoking in Public Transport is strictly prohibited
99 (1) (a)/ 177 DMVR	Rs. 100	Pollution Not Under Control
119 CMVR	Rs. 500	Using multi-toned and/ or shrill horn
190 (2) Motor Vehicle Act	Rs. 100	Blowing Pressure Horn
96 (1)/ 177 DMVR	Rs. 500	Silencer and/ or muffler making a huge noise
CMVR 120	Rs. 500	Smoky Exhaust (against specifications)
190 (2) Motor Vehicle Act	Rs. 100	Silence

Offences related to traffic police

Section	Penalty	Offences
119 Motor Vehicle Act	Rs. 100	Disobeying a Traffic Police Officer in uniform
22 (a) RRR	Rs. 100	Driving against Police Signal
177 Motor Vehicle Act	Rs. 100	Not complying with the manual Traffic Signal

Offences related to traffic signal

Section	Penalty	Offences
22 (b) RRR	Rs. 100	Not complying with the Traffic signal / Sign Board
239 MMVR	Rs. 100	Failing to give the appropriate Signal
177 Motor Vehicle Act	Rs. 100	Signal Jumping

Offences related to speed and overtaking

Section	Penalty	Offences
112 - 183 Motor Vehicle Act	Up to Rs. 1,000	Driving above the permitted Speed Limits by the Traffic Police
112/ 183 (2) Motor Vehicle Act	Rs. 300	Abetment for Going over the Speed Limit
6 (a) RRR r/w 177 Motor Vehicle Act	Rs. 100	Overtaking hazardously
7 RRR	Rs. 100	Failing to deliberate way to sanction Overtaking
177 Motor Vehicle Act	Rs. 100	Overtaking from the Wrong Side

Learn More

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Documents required to apply for a Personal loan

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Personal Loan

A personal loan is a credit facility that does not require collateral and is offered by banks and NBFCs to employed individuals. IndiaLends, the largest online personal loan provider in the country, has assisted over 150,000 customers and collaborates with more than 70+ RBI-Approved partners to offer personal loans tailored to different customer profiles. Here are some notable features of the convenient personal loans available through IndiaLends.

Personal Loan Interest Rate

The interest rates offered to customers are subject to variation based on their individual profiles. Typically, loan rates begin at approximately 10.25%. To improve the likelihood of obtaining a loan at a lower interest rate, it is advisable to maintain a strong credit history. Ideally, a CIBIL score above 750 is considered favorable.

Personal Loan Tenure

The repayment period for a Personal Loan typically ranges from 3 months to 6 years, allowing borrowers to choose a tenure that aligns with their requirements. Whether one needs a short-term or long-term loan, they have the flexibility to select a suitable repayment duration. However, it is crucial to ensure that the Equated Monthly Installment (EMI) amount is manageable and can be comfortably repaid each month.

Documents required to apply for a Personal loan

Financial institutions typically require certain documents before approving and disbursing a loan. These documents include identification proof, address proof, a copy of the PAN card, salary slips, recent bank statements, photographs, ECS mandates, and post-dated cheques.

Personal Loan With Zero Pre-Payment Fee

Certain NBFCs offer customers the flexibility to fully repay the loan amount or make partial pre-payments towards the principal. However, specific terms and conditions are typically associated with such pre-payments. For instance, pre-payment is usually allowed after 12 months, and a pre-payment fee may be levied on the repaid amount. Nevertheless, these terms may vary depending on the product, so it is essential to seek clarification from your lender regarding pre-payment policies before the loan disbursal.

Low-Interest Personal Loan

As discussed earlier, the interest rates for personal loans can vary based on the customer's profile. IndiaLends employs algorithms to strive to obtain the most competitive interest rate product available for each customer.

Personal Loan From Banks

Banks are financial institutions registered with the Reserve Bank of India (RBI) and engaged in various activities such as accepting deposits and providing loans. In addition to universal banks, the RBI has recently introduced payment banks and small finance banks. However, only universal banks and small finance banks are authorized to lend to individuals. Applying through IndiaLends offers the simplest method to obtain a personal loan from the leading banks in the country. IndiaLends has established collaborations with renowned banks and NBFCs, including HDFC, ICICI, RBL, IndusInd, Kotak, Yes Bank, and more.

Personal Loan From NBFCs

NBFCs are non-banking financial institutions registered with the Reserve Bank of India (RBI), primarily engaged in lending to individuals and businesses. Unlike banks, NBFCs are generally not authorized to accept customer deposits. They rely on borrowing funds from banks for their lending activities, which often results in comparatively higher interest rates on Personal Loans than those offered by banks. Additionally, NBFCs tend to cater to a higher-risk profile segment, leading to higher acceptance rates for loan applications.

New To Credit Loans

Although CIBIL and Experian maintain records for more than 150 million individuals, a significant majority have never borrowed from an RBI-regulated financial institution that is a member of a credit bureau. As a result, these individuals lack a credit bureau record, meaning they have no credit history or credit score. Due to the absence of a credit file, they often encounter difficulties in securing loans from financial institutions. However, IndiaLends has forged special partnerships with various banks, enabling them to assist some individuals who are new to credit (with thin credit files) in accessing low-interest personal loans.

Recently Declined Personal Loan Application

A significant number of consumers face loan application rejections from banks due to factors such as inadequate credit history, limited affordability, insufficient supporting documents, and more. However, IndiaLends can assist some of these customers in obtaining affordable loans through collaborations with specialized NBFCs.

Banks and NBFCs Partners

IndiaLends has established partnerships with a comprehensive range of lending institutions, encompassing both prominent and smaller entities. Our collaborations include renowned banks such as HDFC, ICICI, SBI, Kotak, IndusInd, Tata Capital, Bajaj Finserv, IDFC First, IIFL, IndiaBulls, RBL Bank, DHFL, Aditya Birla Finance, American Express, among others, ensuring a wide array of options for our customers.

Loans For Phones / Desktops / Laptops And Tablets

IndiaLends offers easy installment personal loans starting from as low as Rs. 25,000 for customers who wish to purchase the latest gadgets, whether it's an iPhone 7 or a MacBook Pro. This allows individuals to acquire their desired gadgets through manageable loan amounts and easy repayment options.

EMI Without Credit Cards

While e-commerce marketplaces offer convenient EMI options for significant purchases, these benefits are typically limited to customers who already possess credit cards. Unfortunately, this privilege extends to only a small proportion of the population, approximately 10 million individuals across the country. However, IndiaLends provides an accessible solution through its online personal loan, enabling individuals to swiftly make large-ticket purchases on e-commerce platforms and convert them into affordable EMIs. This expands the opportunity for a broader segment of customers to enjoy the convenience of EMI-based shopping on e-commerce portals.

Credit Report

A credit report serves as a financial report card, encompassing historical data regarding an individual's loans and credit cards. Various types of loan accounts are included, such as Credit Cards, Personal Loans, Home loans, gold loans, Car loans, Two-Wheeler loans, business loans, Loan against Property, Agriculture loans, and more. Each account provides detailed information about repayment history, loan amount, tenure, open and close dates, and other relevant details. Credit Bureaus utilize this information to assess the risk associated with an individual, resulting in a credit score. The credit score ranges from 300 to 900, and a higher score increases the likelihood of loan approval. In India, there are four credit bureaus—CIBIL, Experian, Equifax, and Hi-Mark—providing credit scores to individuals. IndiaLends has partnered with Experian and Hi-Mark credit bureaus to offer its customers free credit reports and analysis. Additionally, IndiaLends customers also receive complimentary credit report refreshments every quarter for the first 12 months.

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