How to apply NOC for two-wheeler loans online

NOC is the acronym for ‘No Objection Certificate’. It is issued by institutions or organizations in India to specify that they do not object to the covenants of an application or document. When you travel from one state to another for more than 1 year with your bike, you are required to obtain a NOC from your state RTO.

They keep the record of individual drivers and vehicles following details like excise duty payment, pollution control standards, emission standards, etc. It helps RTOs to oversee and enforce conformity to the provisions in the law. 

How does RTO work?

RTO is a regional transport office of India that offers assurance that all the individuals being a citizen of India is adhering to the standards and provisions as stipulated in the Motor Vehicles Act 1988. Whenever purchase a two-wheeler; you are mandated to register with the RTO. 

Now, in case, you move to another city or state, which has a different RTO, you need to obtain a NOC that allows you to deregister with your original RTO and re-register with the RTO of your new location. 

If your RTO status doesn’t change, it is considered as obstructing enforcement of the law. In that scenario, an individual is liable to pay fines, cancellation of driving license, etc. It is because such new RTO will not possess your and your vehicle's details in their records which will not allow them to ensure you are in adherence to the law.

The documents required to apply two-wheeler NOC

• No Objection Certificate (NOC)
• Attested copy of the existing registration certificate of your vehicle
• Original copy of your two-wheeler insurance policy papers
• Receipts of road tax or excise duty 
• Photocopy of Pollution under Control (PUC) Certificate 
• A pencil of your bike or scooter’s Chassis
• Form 28 duly filled by you (4 copies)
• NOC from bank or financier (if bought with a loan or EMI)
  

Once you have submitted all the above-mentioned documents, the process for issuance of your NOC for bike transfer would be initiated by your RTO.

Here is the process to apply for two-wheeler NOC

• Applying for NOC from lender
• You need to visit the lender’s website from where you have applied for a two-wheeler loan
• Log on to your account
• Download NOC
• It is applicable when your vehicle is purchased with a two-wheeler loan.

Applying for NOC from the RTO office

• Log on to the Parivahan website
• Select state and RTO
• A new page will appear with an option of ‘ Apply for NOC’
• Clicking on the option, you will be redirected to a new tab, you will have to choose the option ‘validate registration number’.
• After that, your application will be generated
• Enter the bike insurance information
• After that, enter the new RTO state and code. Enter and then save it.
• Now pay for the application and take a printout of the fee receipt.
• To process your request further, visit the RTO and bring the NOC, fee receipt, and required documents.