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Two Wheeler Loan

What is an NOC for a bike loan?

Key Takeaways

  • Key Takeaway ImageAn NOC (No Objection Certificate) confirms full repayment of a bike loan and releases the lender’s claim on the vehicle.
  • Key Takeaway ImageIt is required for removing hypothecation from the RC, inter-state vehicle registration, and resale of the bike.
  • Key Takeaway ImageYou can obtain an NOC offline via the RTO or online through your bank’s net banking or mobile app.
  • Key Takeaway ImageKey documents for NOC include the bike’s RC, loan closure proof, insurance, PUC, and identity/address proof.
  • Key Takeaway ImageTimely NOC collection ensures full legal ownership and avoids delays in transfers or future transactions.
17 Jul 2025 by Team FinFIRST

When you finance a bike through a loan, there’s more to the process than just monthly EMIs and final ownership. One key step after closing your loan is obtaining a No Objection Certificate (NOC). This important document serves as proof that you have repaid your loan in full, and that the lender has no further claims on your two-wheeler.

But the significance of an NOC extends beyond the bank. It is also required when you wish to transfer your bike’s registration to another state, remove the lender’s lien from your Registration Certificate (RC), or sell your bike. Without an NOC, these processes can become complicated or even legally invalid.

If you’ve ever wondered what  an NOC for a bike loan is, why it matters, or how to obtain it, both offline and online, this guide is for you. Read on to explore the steps involved, required documents, and additional tips to manage your bike loan NOC smoothly.

What is an NOC for a bike loan?

A No Objection Certificate (NOC), also known as a No Dues Certificate, is an official legal document issued by an authorised institution—such as a bank, lending institution, or government body, stating that it has no objection to a specific request or action. In the case of a bike loan, an NOC is issued when the borrower fully repays the loan and clears all dues with the lender. It confirms that the lender no longer holds any claim over the vehicle.

The NOC plays an important role in a few key scenarios. First, it allows the removal of the hypothecation mark from your bike’s Registration Certificate (RC). When you purchase a bike through a loan, the bank/lender holds a lien on the vehicle, which is recorded in the RC. Once the loan is closed and an NOC is issued, you can update your RC to reflect full ownership.

Second, an NOC is crucial if you wish to register your bike in a new state. If you are relocating to a different state and want to use your existing bike, you will need an NOC from the current RTO where your bike is registered to submit it to the new state’s RTO.

NOC for loans

Apart from needing an NOC for a bike loan, this certificate is also required for availing of various other loans in India. Here are the types of loans that require an NOC:

· Home loan

· Car loan

· Business loan

· Personal loan

· Loan against property

· Loan against shares

How to get an NOC for your bike?

You must follow these steps to get an NOC certificate for your bike by visiting the RTO:

1. Visit the Regional Transport Office.

2. Request the concerned officials for the CMV 28 form and fill in the details. You must provide your personal details here including your name, address, contact number, your vehicle’s registration number, and your driving license number, among other details.

3. Make the payment of ₹100 and submit the filled form along with the required documents.

4. After the RTO obtains a clearance regarding your vehicle, it issues you an NOC.

A pertinent question at this stage could be: “From whom, and regarding what does the RTO obtain a clearance?” the answer to which is as follows - The RTO, after receiving your application, verifies with the local police whether your vehicle was involved in a traffic law violation or a past criminal case. The RTO also verifies whether your bike has any outstanding dues or Department Statutory Action (DSA) cases pending on its account. Now, let us see how this procedure goes online. 

A No Objection Certificate; sometimes called a No Dues Certificate, is a legal document issued by institutions, organizations, or individuals stating no objection to the covenants mentioned in the certificate.

How to get an online NOC for a bike?
 

Follow these steps to get an NOC certificate for your bike online:

1. Visit the concerned bank’s website.

2. Login to your net banking account.

3. Visit the NOC section and download your NOC.

4. In case you are not able to download your NOC, visit the bank branch to resolve the issue.

If you are an IDFC FIRST Bank customer, visit this link to obtain your No Objection Certificate online, today!

Once you have obtained both the bank NOC and RTO NOC, ensure that you safely store these documents, as they will be needed when transferring your bike’s registration or selling it to a new owner. The NOC confirms that you are no longer financially or legally liable for any dues linked to the vehicle.

If your NOC is misplaced, you can apply for a duplicate NOC at both the RTO and your bank by submitting a written request, along with valid identity proof and any required fees.

Remember, timely application for an NOC is crucial, especially if you are moving to a new state or wish to update your RC. Also, ensure that any pending road tax is cleared before applying for the RTO NOC. With both online and offline options available today, securing your bike loan NOC is a hassle-free process.

Steps to track the NOC for your bike loan
 

Tracking your bike loan NOC is a key step once you have fully repaid your two-wheeler loan. The NOC confirms that you have no outstanding dues and is needed for updating your RC, transferring ownership, or re-registering your bike in another state. Here’s a step-by-step guide on how to track the NOC:

1. Net banking:
 

Most banks, including IDFC FIRST Bank, allow you to track and download your NOC online. After closing your loan, log in to the net banking portal. Go to the ‘Loan or Services’ section and look for the NOC issuance status. If available, you can download the document instantly.

2. Mobile banking application:
 

If you use your bank’s mobile banking application, you can track your NOC from the comfort of your home. Under the loan details or loan closure section, the application will show whether your NOC has been issued. If not yet issued, it will display the expected timeline.

3. Email & SMS alerts:
 

Many banks automatically send SMS or email notifications when your NOC is ready. Check your registered email and phone for such updates, which usually contain instructions on how to collect or download the NOC.

4. Customer support:
 

If online options don’t show any update, you can call the bank’s customer care helpline. Provide your loan account number and personal details to get a real-time update on your NOC status.

5. Visiting the branch:
 

If required, visit the nearest bank branch. Speak to a loan manager and inquire about the NOC’s status. If your NOC is ready, they may also print a physical copy for you.

Proactively tracking your bike loan NOC ensures a smooth process and complete peace of mind regarding your two-wheeler ownership.

Importance of a two-wheeler loan NOC
 

A Two-Wheeler Loan NOC (No Objection Certificate) plays an essential role once you have repaid your bike loan in full. Issued by the lender, this document formally certifies that you have cleared all dues and that the bank or financial institution no longer holds any claim on your vehicle.

Here’s why obtaining an NOC for your two-wheeler loan is so important:

1. Proof of loan closure
 

The NOC serves as official proof that your loan is fully paid off. It safeguards you from any future disputes regarding the loan or the lender’s ownership over the vehicle.

2. Legal requirement for hypothecation removal
 

When you take a two-wheeler loan, your bike is hypothecated to the lender. Without an NOC, you cannot remove the hypothecation mark from your vehicle’s Registration Certificate (RC). Removing this mark is necessary for claiming full ownership of the bike.

3. Essential for selling the bike
 

If you plan to sell or transfer ownership of your two-wheeler, a loan NOC is mandatory. It assures potential buyers that the vehicle has no outstanding dues.

4. Necessary for inter-state transfer
 

An NOC is also needed when re-registering your bike in a different state. Without this document, the new state’s RTO may not process your application.

In short, a two-wheeler loan NOC ensures you enjoy complete legal ownership of your vehicle and can freely use, transfer, or sell it without complications. Always remember to collect this document from your lender once your loan is fully repaid.

Which documents are required to get an NOC for bike?
 

To obtain a No Objection Certificate (NOC) for your bike, you must submit a few important documents to the Regional Transport Office (RTO) or your lending bank. These documents help verify your bike’s ownership, loan status, and legal standing. Here is the typical list:

  • Original Registration Certificate (RC) of the bike
  • Loan closure statement or proof of full repayment from the lender
  • No Dues Certificate from the bank (if applicable)
  • Valid insurance certificate of the bike
  • Pollution Under Control (PUC) certificate
  • Address proof and identity proof of the owner

Submitting these documents ensures a smooth process for securing your bike loan NOC.

Conclusion
 

Obtaining a No Objection Certificate (NOC) for your bike is a crucial step when relocating to a new state or completing loan closure formalities. Whether it's for re-registration or proving loan repayment, an NOC ensures a hassle-free transition and protects you from legal or financial complications.

With both offline and online methods available, the process is more accessible than ever. Just ensure you have the required documents ready and follow the above-listed steps. If you're an IDFC FIRST Bank customer, downloading your NOC online is quick and simple. Stay compliant, ride worry-free, and make your transitions smooth with the right paperwork.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.