How to Get No Objection Certificate (NOC) for Bike Online?

For many, owning a bike is not just a necessity but convenience and prestige. Many finance their purchase with a bike loan to make the dream come true. While a bike loan at a reasonable interest rate from Hero FinCorp helps you bring your desired bike home, NOC for bike loan is an essential document you must be familiar with. Here is a detailed explanation of what bike NOC is, its significance, and how to obtain one.

What is a No Objection Certificate (NOC) for a Bike?

NOC stands for No Objection Certificate, a legal document the lender issues to the borrower to confirm complete bike loan repayment. It indicates that you have repaid your bike loan in full and have no pending dues or liabilities. It proves that you have fulfilled all your financial obligations related to the Two-wheeler Loan. 

Importance of Getting No Objection Certificate (NOC) for Bike

A two-wheeler NOC is an important paper due to the following reasons:

• You will need a NOC when you want to sell your bike. It facilitates smooth bike ownership transfer, assuring them that you have no pending loans or encumbrances on the vehicle.
• When you borrow a loan to purchase a bike, the bike's registration is in the lender's name until you repay the loan. After repayment, you need NOC to transfer the bike to your name.
• In case of bike damage or accident, the insurance company will require NOC to ensure a hassle-free settlement.
• Once you repay the loan, the NOC will avoid legal complications related to the vehicle's ownership.
• You will require NOC if you want to move to a new locality, city or state and register to a new RTO.

Also Read: 10 Best Bikes For College Students in India: Prices & Mileage

Documents Required to Get NOC for a Bike

According to the Motor Vehicles Act, you must fill out Form 28 properly to get a two-wheeler NOC paper. You must support your application with the following documents: 

RTO	Bank
Authenticated copy of the bike’s registration certificate	Authenticated copy of the bike’s registration certificate
Attested copy of bike insurance policy	Supporting documents according to the lender’s policy and requirements
Recent tax payment receipt
Copy of the bike’s engine number
Current certified PUC certificate
Signature and identity proof
Address proof and photo ID

Also Read: List Of Top 10 Best Mileage Bikes In India

How to Apply for a NOC for Bike Online?

You can apply for a digital bike NOC image online through the bank or the RTO’s website. These are the steps to follow:

NOC for Bike from Bank

Follow these steps to obtain a two-wheeler NOC from a bank:

• Contact the bank’s customer care centre.
• Provide your vehicle information and loan account number.
• After verifying loan repayment, the bank will initiate the NOC issuance.
• The bank will send the NOC to your registered address, or you can collect it once issued.

Also Read: Best 125cc Bikes In India

NOC for Bike from RTO

Here is the stepwise process to get NOC for a bike loan online:

• Visit the website https://vahan.parivahan.gov.in developed by the MoRTH (Ministry of Road Transport and Highways).
• Enter the bike’s registration number.
• Click Proceed.
• Choose “Application for No Objection Certificate”.
• Provide all details and upload the necessary documents.
• Pay the necessary fee to the concerned RTO.
• Once the system generates an application form and acknowledgement receipt, you can initiate the bike NOC download or print it for record.
• Visit your nearest RTO and submit the application form with the acknowledgement receipt.

Also Read: 10 Best Hero Models List

Validity of NOC for Bike

Once issued, the bike NOC paper is valid only for a limited period. Its validity is as follows:

RTO	Six months
Bank	90 Days (May vary by bank)

Steps to Cancel the NOC

Follow these steps if you want to cancel the two-wheeler NOC:

Step 1: Visit the RTO to obtain a Non-Utilisation Certificate (NUC).

Step 2: Submit the NUC at the original RTO where your bike was registered.

Also Read: Top Automatic Bikes

Conclusion

Obtaining NOC for a bike loan is necessary after repayment, as it is a legal document certifying no pending dues and obligations. You will require it when reselling your bike or moving to a new locality. Follow the procedure mentioned here to apply for a two-wheeler NOC and streamline the process.

Frequently Asked Questions

1. What is NOC for a bike loan?

When you take out a bike loan to purchase a bike, you must obtain NOC from the lender after completing the loan repayment. It certifies that you have repaid your loan in full and do not have any pending dues or obligations.

2. Is NOC necessary for bikes?

NOC is necessary only when you purchase a bike using a loan, want to resell your bike or shift to a new location with a different RTO.

3. What is the cost of NOC for a bike?

The cost of NOC for a bike varies between banks and RTOs.

4. How long is NOC valid for a bike?

NOC from RTO is valid for six months, and one from a bank is valid for 90 days or varies according to their policy.

5. How long is RTO NOC valid?

An RTO NOC is valid for six months.

Disclaimer: The information provided in this blog post is intended for informational purposes only. The content is based on research and opinions available at the time of writing. While we strive to ensure accuracy, we do not claim to be exhaustive or definitive. Readers are advised to independently verify any details mentioned here, such as specifications, features, and availability, before making any purchasing decisions. Hero FinCorp does not take responsibility for any discrepancies, inaccuracies, or changes that may occur after the publication of this blog. The choice to rely on the information presented herein is at the reader's discretion, and we recommend consulting official sources and experts for the most up-to-date and accurate information about the featured products.