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Health

Top 10 Healthy Evening Snacks to Keep You Satiated

healthy evening snacks for Indians

Top 10 Healthy Evening Snacks to Keep You Satiated

Are you craving for some healthy snacks during the evenings? Well, check out our list of 10 healthy evening snacks that every Indian can enjoy at the end of a hard work-day.

Do you wonder why you feel hungry during the evening time? Well, there are a multitude of reasons for this. One reason could be that we tend to expend a lot of energy throughout the day doing our daily chores and other work, and this leads to an increase in metabolism as we need to spend more energy. As the day begins to close, we need to refill our body with the nutrients lost, thereby resulting in an increase in hunger.

According to a study, the levels of ghrelin (the hunger hormone) are higher in the evening, this results in an increase in our hunger. Sleepless nights also tend to spike up our ghrelin levels

That being said, let’s get back to the topic and give you a list of Top 10 Healthy Evening Snacks to Keep You Satiated and satisfied.

 

  • Baked Sweet Potato Fries
  • Besan Chilla (Gram Flour Pancake)
  • Veggie Upma
  • Veggie Stuffed Grilled Sandwich (creamy)
  • Spinach and Cheese Stuffed Mushrooms
  • Lamb Kebabs
  • Parsi Mutton Cutlets
  • Kolkata Egg Roll (Anda Roll)
  • Egg Bhurji Sandwich
  • Indian Masala Omelette

Top 10 Healthy Evening Snacks: We have split the snacks into vegetarian as well as non-vegetation choices.

Vegetarian Healthy Evening Snacks

First, let’s have a look at vegetarian healthy evening snacks, then we can later move to the non-vegetarian snacks.

Baked Sweet Potato Fries

Baked sweet potato fries could be an excellent choice to satiate your evening hunger pangs that too guilt-free. Sweet potato is a good source of Dietary Fiber, Vitamin A, Potassium, Manganese, and more. Be sure to bake it and not deep fry it though.

baked fries

Check out the Baked Sweet Potato Fries Recipe

Besan Chilla (Gram Flour Pancake)

Gram flour pancakes or Besan Chilla are an excellent choice when you want to deal with your evening hunger woes. It is a hot and healthy food item that is sure to make you feel full and satisfied.

The besan (gram flour)in the besan chilla is a good source of dietary fiber that makes you feel full and even promotes gut health. On top of that, it is gluten-free.

 

Check out the Besan Chilla (Gram Flour Pancake) Recipe

Veggie Upma

What can beat a classic? The vegetarian upma has been a staple in Indian households for a very long time. Upma is made out of semolina (rava or suji) and a host of nutritious vegetables like tomato, potato, black lentils, dhania, mustard seeds, turmeric and more.

Umpa also gives the body a host of micronutrients and antioxidants that increase our health and wellness. These micronutrients are delivered to us through spices like dhania, coriander, mustard, and turmeric.

Check out the Veggie Upma Recipe

Veggie Stuffed Grilled Sandwich (creamy)

A western classic, but now widely adopted in India as well. A basic veg stuffed grilled sandwich can’t do wrong! This flavour-packed sandwich is sure to be a mega-hit in your home and among your family members. It is a complete meal in itself encompassing dairy, wheat, vegetables, aromatics, and seasoning.

sandwich

Check out the Creamy Veg Grilled Sandwich Recipe

Spinach and Cheese Stuffed Mushrooms

Now, there may be times where you might want to jazz up your kitchen game and whip up something fancy, this is where Spinach and Cheese Stuffed Mushrooms will come to your rescue.

It’s a delicious combination of everything that works perfectly together; cheese, spinach, and mushrooms. A match made in heaven.

Did you know that spinach is an excellent source of Ecdysterone that helps in boosting the production of testosterone, thereby increasing muscle mass! Just be sure to use high quality non-processed cheese.

cheese mushrooms

Check out the Spinach and Cheese Mushrooms Recipe

Non-Vegetarian Healthy Evening Snacks

Now, that the veg options are out of the way, we can concentrate on some of the most-healthy and tasty non-vegetarian healthy evening snacks for Indians.

Lamb Kebabs

Lamb kebabs are simple to make and they are succulent and tasty, not to forget that they are an undercover health food in itself. The lamb in lamb kebabs in packed with nutrients such as protein, iron, vitamin B12, Niacin, Zinc, Vitamin B6, Riboflavin, and beyond.

kebab

Check out the Lamb Kebab Recipe

Parsi Mutton Cutlets

Parsi mutton cutlets are a power-packed evening snack. To make it even healthier, consider baking the mutton cutlets rather than deep frying them.

The mutton in mutton cutlet is a fantastic source of protein, iron, B complex vitamins, selenium, Omega-3 Fatty Acids, potassium, and more. These nutrients are necessary for the health and wellbeing of humans.

cutlets

Check out the Parsi Mutton Cutlet Recipe

Kolkata Egg Roll (Anda Roll)

You simple can’t go wrong with this one! The anda roll is cult classic that everyone has enjoyed at one time or another. Even though the classic anda roll is excellent in itself, try experimenting with the uber-tasty Kolkata egg roll for once.

Check out the Kolkata Egg Roll (Anda Roll) Recipe

Egg Bhurji Sandwich

An egg bhurji is everyone’s favourite. Why not take things up a notch by combining tasty egg burji with a couple of loafs of multi-grain bread? The egg burji sandwich is ought to fill you up as it is packed with vegetables, protein, grains, and fiber. Also, the eggs in the bhurji is a rich source of lutein and zeaxanthin that improve eye health.

egg sandwich

Check out the Egg Bhurji Sandwich Recipe

Indian Masala Omelette

This is an excellent choice for breakfast, evening snacks, as well as snacking in between the day.

The humble yet protein-rich masala omelette is sure to be the enemy of hunger in your household. Just be sure to use high quality fats when you prepare your masala omelette.

omlette

Check out Indian Masala Omelette Recipe

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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RTO

Rajajinagar RTO (KA-02) – Address, Contacts, and Functions

RTOs in India

Rajajinagar RTO (KA-02) – Address, Contacts, and Functions

Rajajinagar RTO is the Regional Transport Office (RTO) located in Rajajinagar, Bangalore. Rajajinagar RTO has an RTO code of KA-02 and is operational between 10 in the morning to 5 in the evening.

This article will share the address and contact details (phone numbers) of Rajajinagar RTO along with mentioning how you can get to Rajajinagar RTO via bus, train, and metro line.

Lastly, it will also highlight some of the most important functions of Rajajinagar RTO

Address of Rajajinagar RTO

RTO Code

KA-02

Address

2nd block BBMP Complex, Rajajinagar, Near Police Station, Bangalore Karnataka, 560010

Contact Details of Rajajinagar RTO

Phone Number

080 – 23324388

Email ID

rtobngw-ka@nic.in

Website

http://www.karnataka.gov.in

How to get to Rajajinagar RTO?

Are you looking to get to Rajajinagar RTO in the most time-efficient manner? You can reach the RTO via bus, train, and metro line.

Metro

Green Line

Buses

Bus no – 176

Bus no – 252F

Bus no – 500-KB

Bus no – 77B

Bus no – 80R

Bus no – V-500KB

Railways

South Western Railways (SWR)

Functions of Address of Rajajinagar RTO

Rajajinagar RTO has the following important functions:

 

  • Issuing driving licenses to applicants after conducting driving tests.
  • Issuing Registration Certificate (RC) to applicants after due diligence.
  • Collecting fines and penalties from offenders.
  • Collecting road tax from vehicle owners.
  • Transmission of vehicles from one owner to another.
  • Removal of hypothecation.
  • Conducting vehicle auctions.
  • Conducting road and traffic safety seminars.

These are some of the most important functions of an RTO. That being said, to fully understand the functions and scope of any RTO you will need to frequent yourself with the clauses mentioned under the Motor Vehicles Act – 1988, as every RTO is responsible for implementing the rules and regulations mentioned under the Motor Vehicles Act- 1988.

Apart from the Motor Vehicles Act – 1988, RTOs also follow Central Motor Vehicles Rules (CMVR), Road Transport Corporations Act, Transport of Goods Act, and Central Road and Infrastructure Fund (CRIF) Act.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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RTO

Ahmedabad RTO – RTO List, Fees & More

ahmedabad RTO

Ahmedabad RTO – RTO List, Fees & More

Ahmedabad RTO refers to the Regional Transport Office located in Ahmedabad, Gujarat. As the capital city of Gujarat, Ahmedabad experiences a substantial daily influx of vehicle registrations, reflecting the city’s high volume of motor vehicle activity.

Hence, the Government of Gujarat has established three RTOs across the city for the smooth functioning of all motor related activities. In this article, we will talk about Ahmedabad RTO, its address, contact details, and more.

 

Table of Contents:

  • List of all RTOs in Ahmedabad
  • Functions of Ahmedabad RTO
  • Vehicle Registration Process with Ahmedabad RTO
  • Ahmedabad RTO Fees and Penalty list

List of all RTOs in Ahmedabad

Below given is the complete list of RTOs in Ahmedabad, Gujarat: 

RTO Code

RTO Name

RTO Address

Phone Number

GJ- 1

Ahmedabad

RTO Office, Subhash Bridge, Sabarmati, Ahmedabad, Pin: 380027.

079-27559696

GJ-27

Abad-East

ARTO Office, Ahmedabad East, Mahadevnagar Tekra, Vastral, Ahmedabad.

079-22870068

Gj-38

Bavla

ARTO Office, Amrytbaug, Nr. Swaminarayan Gate, Bavla, Dist: Ahmedabad.

02714-232411

Functions of Ahmedabad RTO

RTO in the country are responsible for providing multiple motor related services and tasks implemented under the Motor Vehicle Act, 1988. Below given are some of its primary functions:

 

  • Vehicle Registration: One of the main functions of Ahmedabad RTO is registration of motor vehicles such as cars, bikes, rickshaws, etc. It is also responsible for issuing  registration certificates and assigning them with distinctive registration numbers.
  • Disbursing Driver’s License:  Another responsibility of RTOs is to issue driving license to persons who successfully undergo and clear driving examinations. This meticulous process makes sure that the persons meet the essential requirements and has acquired the requisite driving skills, confirming their eligibilty.
  • Traffic Rules and Regulations: It is the duty of RTO officials to monitor and take action against activities like speeding, drunken drive, driving without license, and so on. This ensures that traffic rules are implemented and safety standards are met on the road.
  • Transfer of Vehicle: RTO facilitates the smooth transfer of ownership of vehicles when sold from one individual to another. It also issues no objection certificates (NOC) for vehicles being transferred to a different jurisdiction or state.
  • Vehicle Inspection at Check Posts: Vehicle inspection at check posts ensures the tax compliance by the vehicle owner. The officials verify whether the owner has paid the requisite road tax ensuring revenue collection for the government. Also, vehicle inspections play a vital role in ensuring road safety by examining the condition of the vehicle like condition of brakes, head lights and so on while on road.
  • Issuance of Fitness Certificate: Another primary function of RTO is to issue fitness certificates to vehicles. A fitness certificate is essentially an official document that authenticates that the vehicle condition is fit to drive on the road.

Vehicle Registration Process with Ahmedabad RTO

Follow these simple steps to register your new vehicle:

 

Step 1: Dully Fill and Submit Documents

Dully fill out and submit the required documents like forms to the Ahmedabad RTO to register your vehicle. You can also take the help of an RTO agent to ensure quick registration process. Important documents required for your vehicle registration are listed below.

Step 2: Pay Registration Fees

Pay the necessary RTO charges and fees. It important to take the receipt and acknowledgement of the payment made. The registration fees will depend on the type of vehicle you are wanting to register. It is also required to pay the applicable road tax that will be determined on the basis of the type of vehicle.

Step 3: Vehicle Inspection

You will have to visit the RTO with your vehicle for its inspection. Once your vehicle inspection is completed and approved, you will then need to dully fill and submit all the necessary forms. The Assistant Regional Transport Officer (ARTO) will provide his approval for the vehicle.

Step 4: Receive the Registration Card

After the above procedure is completed, you will receive your RC within seven working days at your registered address.

Documents required for Registration

 

  • Passport Sized Photos
  • CMV Form or Vehicle Sales Certificate
  • Form ‘A’ under Tax Act 1997
  • CMV Form No 20
  • Form 22 provided by vehicle dealer
  • Custom Clearance Certificate (imported vehicle)
  • Pollution Under Control Certificate (PUC)
  • Form ‘A’ under Tax Act 1997
  • Fee or charges as per Rule 81, CMV Act
  • Temporary Registration Certification (If applicable)
  • KYC documents

Ahmedabad RTO Fees and Penalty list

Below is the list of charges and penalty with Ahmedabad RTO:

Charges:

Sr. No

Purpose

Fees

1

Renewal of Driving License

₹ 200

2

Issue of Learners License

₹ 150

3

Learner’s License Test Fee

₹ 50

New Vehicle Permanent Registration Fees

Sr. No

Type of Vehicle

Fees

1

Motorcycle

₹ 500

2

Imported Motorcycle

₹ 2,500

3

Light Motor Vehicle (Transport)

₹ 1,000

4

Light Motor Vehicle (Non- Transport)

₹ 600

5

Heavy Goods Vehicle

₹ 1,500

6

Imported Motor Vehicle

₹ 1,000

Ahmedabad RTO Penalty List

The following table provides the details related to Ahmedabad RTO penalty list:

Sr. No

Traffic Violation

Vehicle Type

Penalty Amount

1

Riding without Helmet

Two- Wheeler

₹ 500

2

Rash Driving

All Vehicle

₹ 1,000

3

Driving under the Influence of Alcohol

All Vehicle

₹10,000/Imprisonment of 6 months

 

₹15,000/Imprisonment of 2 years (repeated offence)

4

Driving without Seatbelt

All Vehicle

₹ 500

5

Traffic Signal Violations

All Vehicle

₹ 1,000

₹ 5,000 (repeated offence)

6

Using Mobile Phone while Driving

All Vehicle

₹ 500

₹ 1,000 (repeated offence)

7

Not giving way to Emergency Vehicle

All Vehicle

₹ 1,000

8

Driving/Riding without registration

Two/Three wheeler

 

Four wheeler (LMV)

 

Other Vehicles

₹ 1,000

 

 

₹ 2,000

 

 

₹ 3,000

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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RTO

What is RTO Form 35? – How to Download & Fill

Form 35 RTO

What is RTO Form 35? – How to Download & Fill

Are you wondering what is RTO Form 35? Well, let’s dive in. Form 35 is an RTO form that removes the hypothecation on your vehicle.

RTO Form 35 will be needed to be duly filled and submitted to your assigned RTO if you wish to terminate the hypothecation on your vehicle post repayment of vehicle loan.

It is very important to ensure that you get the hypothecation removed as soon as you pay-off your vehicle loan.

Once you submit Form 35 to the RTO center, and the same is verified and validated by the RTO, the RTO will remove the name of your vehicle financer (Bank/NBFC) from your Registration Certificate (RC), and the vehicle will be under your own name.

Download Form 35 RTO

You can download Form 35 of the RTO directly from here, or you can also scan through the list of all forms provided by Parivahan and download it from there.

How to fill RTO Form 35?

Let us now figure out how to properly fill-up Form 35.

Step 1.) Download Form 35

First, you will need to download Form 35. You can do so by following the information mentioned above. Alternatively, you can also ask your nearest RTO to give you a copy of the form.

Step 2.) Mention the Financier and Registered Owner

Here, you will need to mention the financier and registered owner of your vehicle. This would generally be the entity through which you have availed the loan.

Step 3.) Termination of Agreement

Here, you will need to mention the particulars of your loan agreement. Along with this, your financier will also have to give his company seal and signature stating that the loan amount is paid and the agreement is complete.

Step 4.) Mention your Vehicle Number and Regsitered RTO

Now, you will need to mention your vehicle number and the designated RTO center.

Step 5.) Form Verification and Termination of Hypothecation

Once this form is verified by the RTO and is in order, the hypothecation on your vehicle will be removed, thereby removing the name of your financier from your RC book.

Documents Required for Hypothecation Termination

Ensure that you have brought originals as well as multiple copies of the following documents:

 

  • PAN Card
  • Aadhar Card
  • Loan Agreement

Important Points relating to Form 35

Mentioned within are some of the most important points relating to RTO Form 35:

 

  • Purpose and Role: The fundamental purpose of RTO Form 35 is to remove the name of the vehicle financer from the RC book, thereby terminating the hypothecation.
  • New RC: Once the hypothecation is terminated, the RTO will disburse the new RC to the owner.
  • Financier Credentials: Ensure that you have the financier’s credentials, NOC, and company seal on Form 35 before submission to the RTO.
Form 35 RTO
RTO Form 35

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Thiruvanmiyur RTO (TN-07) – Contact Details, Functions & More

RTOs in India

Thiruvanmiyur RTO (TN-07) – Contact Details, Functions & More

Thiruvanmiyur RTO is an RTO center located in South Chennai in the area of Thiruvanmiyur. Thiruvanmiyur is an area in the state of Tamil Nadu that is famous for its beaches and temples.

Are you a person in Thiruvanmiyur who is looking to know about Thiruvanmiyur RTO? This article will talk about the contact details, functions and more about Thiruvanmiyur RTO.

Address of Thiruvanmiyur RTO

RTO Address

Regional Transport Office, Chennai (South), No.38 East Coast Road, Thiruvalluvar Nagar, Thiruvanmiyur, Chennai – 600041

RTO Code

TN-07

Contact Details of Thiruvanmiyur RTO

Landline

044-24516464

Mobile Number

9384808132

Email ID

rtotn07@nic.in

How to get to Thiruvanmiyur RTO?

If you are looking to get to Thiruvanmiyur RTO via train, bus, or road, you can refer to this guide about how to get to Thiruvanmiyur RTO. Further, you can visit Thiruvanmiyur RTO via MRTS as well as bus no 588B, 599, and 109.

Thiruvanmiyur RTO Forms

You can access all of the most important forms pertaining to your RTO work here. The most notable forms mentioned within are Form 20, Form 21, Form 22, Form 40, Form 41, and other important and useful forms.

Functions of Thiruvanmiyur RTO

Before visiting Thiruvanmiyur RTO, you may be curious to know about the functions of the RTO. You may want to know if the things you are looking to get done through the RTO in fact come under the scope of RTO work. Let us mention some of the most important functions of Thiruvanmiyur RTO:

 

  • Examining vehicles and disbursing fitness certificates if the vehicles are deemed fit.
  • Conducting driving tests and issuing the results.
  • Disbursing learners license.
  • Collecting road tax and fines.
  • Issuing permits and other documents.
  • Issuing and renewing vehicle registration certificate (RC).
  • Conducting vehicle auctions.
  • Ensuring that the traffic rules and regulations are followed and implemented.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Maharashtra (MAH) RTO – RTO List, Fees, Forms & more

Maharashtra RTO

Maharashtra (MAH) RTO – RTO List, Fees, Forms & more

Do you want to know about the most important topics pertaining to the Maharashtra RTO? This article will give a list of all RTOs in Maharashtra, along with highlighting some of the significant functions of RTOs.

Table of Contents:

  • List of RTOs in Maharashtra
  • Vehicle Registration Process of Maharashtra RTO
  • Maharashtra RTO Registration Charges
  • Functions of Maharashtra RTO
  • Maharashtra RTO Forms
  • Maharashtra  RTO Fines and Penalties

List of RTOs in Maharashtra

To make sure that most motor related services are offered swiftly, The Government of Maharashtra has established around 50 regional RTOs across the state. The primary functions of RTO include issuance of vehicle registration, issuing driver’s licenses, enforcement of traffic rules and regulations, etc.

The complete list of RTOs in the state of Maharashtra along with their address and contact details are given below.

Sr. No

RTO Office

RTO Address

Phone Number

1

MH01

RTO Office, Old bodyguard lane, Tulsiwadi,       Tardeo, Mumbai, Pin: 400034.

022‐23532337

2

MH02

RTO Office, 111‐D, Ambivali Village, New Manish Nagar,Versova Road, Mumbai, Pin:400053.

022‐263669573

3

MH03

RTO Office, B‐2,3rd floor, Wadala Truck,Terminal, Wadala, Mumbai (East)

022‐24036479

4

MH04

RTO Office, Near Central Jail, Thane, Pin:400601.

022‐25340474

5

MH05

Dy. RTO         Office, Sahyadri Nagar , Chikanghar, Near Birla School, Kalyan (W), Dist-Than, Pin.421301.

0251‐2230505

6

MH06

Dy. RTO Office, Vikas Smruti, Pen Khopoli Road, Utkarsha Nagar, Taluka, Pen,    Dist-Raigad, Pin: 402107.

02143‐252234

7

MH07

Dy. RTO         Office, Sindhudurg Nagari, Oros, Tal-Kudal, Dist- Sindhudurg, Pin- 416812

02362‐229050

8

MH08

Dy. RTO         Office, Survey No 56‐A, Ganesh Nagar, Pomendi Kurd, Kuwarbav, Tal &Dist-Ratnagiri, Pin: 415612

02352‐229444

9

MH09

RTO Office, Kolhapur, 204    E, Tarabai Park,   Kolhapur, Pin: 416003.

0231‐2663131

10

MH10

Dy. RTO         Office, Industrial Estate, Madhav Nagar  Road, Sangli, Pin: 416416.

0233‐2310555

11

MH11

Dy. RTO         Office, Sharve No. 409/6,  515/1&2, Sadar Bazar, Camp, Satara, Pin: 415           001.

02162‐230330

12

MH12

RTO Office, 38, Dr.Ambedkar Road,            Near    Sangam          Bridge, Pune, Pin: 411001.

020‐26058282

13

MH13

Dy. RTO         Office,Vijapur Road, S.T.Colony, Shivaje Nagar,Solapur, Pin: 413004.

0217‐ 2303099

14

MH14

Dy. RTO Office, Purna Complex, A Wing, Opp.Telco Gate, Chikhali Rd, Pimpari‐Chinchwad, Pune, Pin: 411019.

020‐27492828

15

MH15

RTO Office, Peth Road, Panchwati,            Nashik, Pin: 422004.

0253‐2229005

16

MH16

Dy. RTO Office, Bungalow No.8, Nagar Wambori  Rd, Ahmednagar, Pin: 414001.                           

0241‐2431530

17

MH17

Dy. RTO Office, Market yard, Nevasa road, Dist: Ahemed nagar, Shrirampur, Pin: 413709.

02422‐222175

18

MH18

RTO Office, Dhdh      Bhavan, Mohadi Upanagar N.H., No   ‐3

Mumbai, Agra Road,  Dhule,

Pin: 424311.

02562‐281651

 

19

MH19

 

Dy. RTO Office, Plot No.7, Adarsh Nagar Near S. P. Chowk Jalgaon , Pin: 425 001.

 

0257‐2261819

 

20

MH20

 

RTO Office, Near Railway station, Aurangabad, Pin: 431 001.

 

0240‐2331135

 

21

MH21

 

RTO Office, Group no. 246, Nagewadi, Dist: Jalna.

 

02482‐220929

 

22

MH22

 

Dy. RTO Office, Manvat Road, Parbhani, Pin: 433 715

 

02452‐291000

 

23

MH23

 

Dy. RTOffice, Jalna Road, Mauje Ghosapuri, Namal Gaon Phata, Beed.

 

02442‐256111

 

24

MH24

 

RTO Office, Parivahan Bhavan, Babhalgaon Road, Latur,

Pin:413 512.

 

02382‐242435

 

25

MH25

 

Dy. Regional Transport Office Plot No. 18 MIDC Area , Osmanabad,

Pin: 413 501

 

02472‐221555

 

26

MH26

 

RTO Office, B‐13 Marathwada ceramioc complex, MIDC Cidco Nanded, Pin: 431 603

 

02462‐259900

 

27

MH27

 

RTO Office, Near Collectorate Camp, Amravati, Pin: 444 602.

 

0721‐2662606

 

28

MH28

 

Dy. RTO Office, Opp. Malkapur Road, Buldhana Tq, Dist: Buldhana, Pin: 443 001.

 

07262‐242244

 

29

MH29

 

Dy. RTO Office, Yawatmal Near Kalamb Chowk, Nagpur Road, Yawatmal, Tq. Dist‐ Yavatmal,

 Pin: 445001.

 

07232‐255111

 

30

MH30

 

Dy. RTO Office, National Highway No.6 , Murtizapur Road , Akola.

 

0724‐2410288

 

31

MH32

 

Dy. RTO Office, Administrative Bldg.,1st Floor, Sevagram Road, Wardha, Pin: 442001.

 

07152‐243543

 

32

MH33

 

RTO Office, New Administrative Bldg No .2., Near Collector Office, Complex, Gadchiroli, Pin: 442605.

 

07132‐222195

 

33

MH34

 

Dy. RTO Office, Behind LIC Bldg, Jailnagar ward, Chandrapur ,

Pin: 442401.

 

07172‐255372

 

34

MH35

 

Dy. RTO Office, Fulchur Naka, Fulchurtola, Gondia,Tah ‐Dist. Gondia , Pin: 441601.

 

07182‐237321

 

35

MH36

 

Dy. RTO Office, Administrative Bldg., NH‐6, Bhandara, Pin: 441904.

 

07184‐258165

 

36

MH37

 

Dy. RTO Officer, A/P ‐D.Ed. College Building, Risod Road Lakhala, Washim, Pin: 444505.

 

07252‐235244

 

37

MH38

 

Dy. RTO Office, Jaiswlsadan, MIDC Limbala Makta, Hingoli, Pin: 431513.

 

02546‐248048

 

38

MH39

 

Dy. RTO Office, Shasakiya Dhudh Bhavan, Sakri Road Nandurbar,

Pin: 425412.

 

02564‐210129

 

39

MH40

 

RTO Office, Indora, Lal Godown No.9, Teka Naka, Kamptee Road, Nagpur (R), Pin: 440014.

 

0712‐2043225

 

40

MH41

 

Dy. RTO Office, Market Yard, Camp Road Malegaon, Camp Malegaon, Dist: Nasik , Pin: 423105.

 

02554‐258850

 

41

MH42

 

Dy. RTO Office, Vidhya Corner, MIDC Circle, Bhigwan Road, Baramati. Dist: Pune: 413133.

 

02112‐243111

 

42

MH44

 

Dy. RTO Office, Yeshwantrao Chavan Chowk, Morewadi Ambajogai, Dist: Beed, Pin: 431517.

 

02446‐247755

 

43

MH45

 

Dy. RTO Office, Anand Nagar, Akluj Tahshil ‐ Malshiras, Dist: Solapur. Pin: 413101.

 

02185‐227555

 

44

MH46

 

Dy. RTO Officer, Central Facility Building 2 nd floor, Kalamboli, Tal Panvel , Dist: Raigad, Pin: 410218.

 

022‐ 27425555

 

45

MH47

 

Dy. RTO Office, C/o : RTO Mumbai (W).111‐D, Ambivali village, Newmanish nagar, Versova road, Mumbai, Pin: 400053.

 

022‐26366957

 

46

MH48

 

Dy. RTO Office, At. Post Chandansar, Virar (E), Tal ‐Vasai, Dist ‐Thane , Pin: 401303.

 

022‐25340474

 

47

MH49

 

Dy. RTO Office, Nagpur (East) N.I.T. Community Hall, Dipti signal, Chikhali layout, Nagpur,

 Pin: 440035.

 

0712‐2561698

 

48

MH50

 

Dy. RTO Office, A/P. Sharada Mangal Karalaya, At. Padali (Kese),PO ‐ Supane, Tal ‐ Karad, Dist : Satara , Pin: 415114.

 

0262‐254550

 

Vehicle Registration Process of Maharashtra RTO

Follow these simple steps to register your new vehicle with the Maharashtra RTO.

Step 1: Submission of Documents

Dully fill out and submit the required documents and forms, including Form 20, to the Maharashtra RTO. To ensure smooth and quick process, you can also take the assistance of  an RTO agent. Some of the necessary documents include address proof of the owner,  PUC certificate, valid insurance copy and so on.

Step 2: Verification of Documents

RTO officials will take some time to thoroughly verify all the documents and then approve them.

Step 3: Payment of Registration Charges

You will  need to pay the necessary RTO charges and fees. Remember, to always take the receipt and acknowledgement of the payment made. The registration fees will depend on the type of vehicle you are wanting to register. You may also be required to pay the applicable road tax which will be determined on the basis of the vehicle you own.

Step 4: Inspection and Approval

The Assistant Regional Transport Officer (ARTO) will issue his approval for the vehicle. You will have to visit the RTO with your vehicle for its inspection. Once your vehicle inspection is completed and approved, you will then need to dully fill and submit all the necessary forms.

Step 5: Receive the Registration Card (RC)

Once the ARTO has issued the approval, you will receive your registration certificate at your registered address.

Documents required for Registration

  • CMV Form or Vehicle Sales Certificate
  • Form 22 provided by vehicle dealer
  • CMV Form No 20
  • KYC documents
  • Passport Sized Photos
  • Custom Clearance Certificate (imported vehicle)
  • Pollution Under Control Certificate (PUC)
  • Form ‘A’ under Tax Act 1997
  • Fee or charges as per Rule 81, CMV Act
  • Temporary Registration Certification (If applicable)

Maharashtra RTO Registration Charges

To register a new vehicle at the Maharashtra RTO, given below are the charges for the same.

Sr. No

Type of Vehicle

Registration Charges

1

Light Motor Vehicle

₹ 600

2

Motorcycle

₹ 300

3

Light Commercial Vehicle

₹ 1000

 

4

Imported Motorcycle

₹ 5000

5

Medium Goods Vehicle

₹ 1000

6

Invalid Carriage

₹ 50

7

Other Vehicle

₹ 3000

Registration Charges

Other charges:

Sr. No

Activity

Fees

1

Permanent Driving License

₹ 716

2

Leaners License

₹ 416

3

Certificate of Fitness

Motorcycle

 

 

Three/ Four Wheeler

 

 

Medium/ Heavy Motor Vehicle

 

₹ 200 (Manual)

₹400(Automated)

 

₹ 400 (Manual)

₹600(Automated)

 

₹ 600 (Manual)

₹1000(Automated)

4

Renewal of Certificate of Fitness

₹ 200

5

Issue or Renewal of Certificate of Registration

Motorcycle

 

Light Motor Vehicle/Three Wheeler/Quadricycle

Heavy Goods Vehicle

Imported Vehicle

Imported Motorcycle

 

 

 

₹ 300

 

 

₹ 1000

 

₹ 1500

 

₹ 5000

 

₹ 2500

Functions of Maharashtra RTO

Maharashtra RTO is responsible for most motor vehicles related functions and transportation in the state of Maharashtra. Some of the key functions performed by the RTO are laid out below:

  • Registration of Vehicles: Maharashtra RTO is solely responsible for the registration of motor vehicles such as cars, bikes, trucks, etc. It is responsible for issuing  registration certificates and unique registration numbers for the vehicles.
  • Collection of Road Tax: MAH RTO is the designated government authority for collecting road tax from the vehicle owners in accordance with the Motor Vehicles Act. This revenue collected is utilized in the development and maintenance of the roads and other such infrastructure.
  • Issuing Driver’s License: It is responsible to issue driving license to individuals who pass driving examinations. This is to make sure that the individual satisfies the necessary criteria and possesses the necessary driving skills.
  • Enforcement of Traffic Law: Also, one of its primary function is to enforce traffic rules and regulations to ensure road safety. RTO officials monitor and take action against activities like rash driving, drink and drive, riding without helmet and so on.
  • Transfer of Vehicle & NOC: It facilitates the smooth transfer of ownership of vehicles when sold from one individual to another. It also issues no objection certificates (NOC) for vehicles being transferred to a different jurisdiction or state.
  • Issuing Permits: It is responsible for issuing permits like goods carriage permits, contract carriage permits, temporary permits, etc, depending on the type of vehicle.

Maharashtra RTO Forms

There are more than 60 forms that can be instantly downloaded on the Parivahan Website. Mentioned below are some relevant forms.

Sr. No

Form Name

Description

1

Form 2

Application for Leaners License/Driving License/ Renewal of Driving License.

2

Form 4A

Application for International Driving Permit

3

Form 20

Application for Registration of Motor Vehicle

4

Form 21

Sale Certificate

5

Form 30

Application for Intimation and Transfer of Ownership of Motor Vehicle

6

Form 38

Certificate of Fitness

Maharashtra  RTO Fines and Penalties

The following table provides all the details related to Maharashtra RTO penalty list.

Sr. No

Traffic violation

Vehicle Type

Penalty Amount

1

Driving without Valid Driving License

Two/Three wheeler

 

Four wheeler (LMV)

 

Other Vehicles

₹ 1,000

 

₹ 2,000

 

₹ 5,000

2

Driving/Riding without registration

Two/Three wheeler

 

Four wheeler (LMV)

 

Other Vehicles

₹ 2,000

 

₹ 3,000

 

₹ 5,000

3

Driving/Riding without Motor Insurance

All Vehicles

₹ 2000

₹4000 (repeated offence)

4

Riding without Helmet

Motorcycle

₹ 500

5

Driving without Seatbelt

Four wheeler

₹ 500

6

Overspeeding

Two/Three wheeler

 

Four wheeler (LMV)

 

Other Vehicles

₹ 1,000

 

₹ 1,000

 

₹ 2,000

7

Driving/Riding under influence of alcohol

All Vehicles

₹ 10,000/Imprisonment of 6 months

 

₹ 15,000/Imprisonment of 2 years (repeated offence)

8

Racing or Speeding

All Vehicles

₹5,000/ 3 months of Imprisonment

 

₹10,000/ 1 year imprisonment (repeated offence)

 

 

9

Not giving way to Emergency Vehicle

All Vehicles

₹ 1,000

10

Traffic Signal Violations

All Vehicles

₹ 500

₹ 1,000 (repeated offence)

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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RTO

Wadala RTO – MH-03 (Complete Details)

RTOs in India

Wadala RTO – MH-03 (Complete Details)

 

Wadala RTO is an RTO center located in eastern area of Mumbai. The Wadala RTO has the RTO code of  MH-03, and is tasked with the administration and implementation of the Motor Vehicles Act- 1988 in the Wadala area of Mumbai.

We will talk about the location and address of Wadala RTO along with other RTOs near Wadala RTO. Further, we will also briefly talk about the functions of Wadala RTO.

 

  • Address and Contact Details of Wadala RTO
  • How to get to Wadala RTO?
  • Functions of Wadala RTO

Address of Wadala RTO

Address of Wadala RTO

Contact Details of Wadala RTO

B/2, 3rd Floor, Wadala Truck Terminal, Wadala Road, Mumbai, Maharashtra – 400037

+91-22-24036221, +91-22-24036479

 

Email ID: rto.03‐mh@gov.in

 

Website: https://transport.maharashtra.gov.in/

How to get to Wadala RTO?

Getting to Wadala RTO is rather straight-forward. That being said, you can check out the most convenient travel routs by train, bus, or road on how to get to Wadala RTO based on where you are located.

Mentioned within are the closest Monorail and bus stations to Wadala RTO

Sr. No

Monorail Stations

Bus Stations

1.

Wadala Monorail Station

Bhakti Park Gate

2.

Bhakti Park

Wadala Truck Terminal

3.

Wadala Monorail Station

Wadala can also be accessed through Centrail Railways (CR) and Harbour Railways (HR). Some of the other RTOs near Wadala RTO include Dahisar RTO, Andheri RTO, Worli Deputy RTO, and Tardeo RTO.

Functions of Wadala RTO

Like other RTOs in the city of Mumbai, Wadala RTO also has a set of roles, responsibilities and functions. Some of the most important functions of Wadala RTO include:

 

  • Issuance and renewal of driving licenses.
  • Issuance and renewal of vehicle Registration Certificate (RC).
  • Collection of road tax and fines.
  • Conducting driving tests and either passing or failing test-takers.
  • Issuance of permits for commercial vehicles.
  • Issuance of vehicle fitness certificate.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Life Insurance

Sparsh Defence Pension Portal (A Complete Guide)

sparsh defence pension portal

Sparsh Defence Pension Portal (A Complete Guide) – Login, Register & More

The Sparsh Defence Pension Portal was launched by Principle Controller of Defence Accounts (Ministry of Defence) for effective management and disbursement of pensions for defence pensioners of the Army, Navy, Defence Civilians, and Air force.

The Sparsh Defence Pension Portal provides pensioners with the ability to view their eligible pension amount, disburse pension to bank account, grievance management, and other disbursement related services. The Sparsh Portal is developed by India’s largest I.T company Tata Consultancy Services.

We will talk about some of the most important aspects of Sparsh Defence Pension Portal, such as:

 

  • What is Sparsh Defence Pension Portal?
  • How does Sparsh Defence Pension Work?
  • How to Login to Sparsh Defence Pension Portal
  • How to Register with Sparsh Defence Pension Portal
  • Features and Benefits of Sparsh Defence Pension Portal
  • Sparsh Defence Pension Customer Support

What is Sparsh Defence Pension Portal?

What is the full-form of Sparsh Defence Pension Portal? SPARSH stands for The System for Pensions Administration – RakSHa (SPARSH). SPARSH was introduced in October-2020, and the roll-out continued till August 2021.

In fact, in 2021-22, the Sparsh Defence Pension Portal had onboarded over 5 lakh defence pensioners, and disbursed over 11600 crores in pensions that year alone.

The core activities of Sparsh Defence Pension Portal are the following:

 

  • Pension intimation and sanction.
  • Pension disbursement directly in the pensioner’s linked bank account.
  • Complete history of all pensions received.
  • Complete profile of the pensioner.
  • System to make complaints and get complaints solved.
  • Generate pension slips.
  • Identification through life certificate.

How does Sparsh Defence Pension Work?

Let us now understand how Sparsh Defence Pension Portal works:

 

  • The portal is made by TCS, and pensioners need to register/login to the portal to begin using it.
  • The pensioner will be allotted a unique account number.
  • The pensioner can use this unique account number to initiate their pension claim requests.
  • Once a claim is initiated by the pensioner, the claim gets sent to the Pay Accounts Office, where the claim is verified and approved. This process is called the Pensioner Data Verification (PDV).
  • Once approved, the pensioner can see their approved claim on the Sparsh Defence Penstion Portal.
  • Now, they can initiate a payout request to their linked bank account through the portal.

How to Login to Sparsh Defence Pension Portal

Let us now understand how you can login to the portal by following these simple steps.

Step 1.) Visit the Official Sparsh Defence Portal

First, you will need to visit the official portal. You can either search for ‘Sparsh Defence Portal’ on your preferred search engine and navigate to the official portal, or you can visit the official Sparsh portal here.

Step 2.) Enter your Credentials

Now, click on the ‘Login’ button on the top right hand side. You will now be redirected to the login page. Kindly use your username and password, enter the captcha, and press on ‘Login.’

Note that your username and password will be sent to your registered mobile phone or email ID if you are eligible to receive a pension. Use this to login to the portal.

Step 3.) Submit Declarations

Now, a pensioner may be required to submit some declarations on the portal. These declarations are case specific. Go through these requirements and submit the declarations if required.

Step 4.) Submit Aadhar and complete PDV

Next, you will need to submit your Aadhar number to the portal. Once you submit your Aadhar number, you will be initiate the Pensioner Data Verification (PDV) process. Once the PDV process is complete by the Pay Accounts Office, you will get an imitation stating that the PDV process is complete.

Also, Be sure your change your account password and make your Sparsh account secure.

Step 5.) Use the Portal

Finally, you can now access all of the features and benefits of the portal. Make yourself familiar with the portal interface and spend some time there to get the hang of it.

How to Register with Sparsh Defence Pension Portal

Let us now talk about how a pensioner can register himself on the Sparsh Portal.

Step 1.) Visit the Sparsh User Registration Page

First, a pensioner will have to visit the new user registration page on the portal. You can also access it from here

Step 2.) Enter your Details

Now, you will be prompted to fill-up a whole host of details. Kindly fill-up these details and click on ‘Register.’

Features and Benefits of Sparsh Defence Pension Portal

Mentioned within are some of the most important features and benefits of the Sparsh Portal:

 

  • View and Update Pensioner Profile: The portal gives the option to view and update all details pertaining to a defence pensioner.
  • Update Dependent Details: You can also update your family or dependent details on the portal to ensure clarity and continuity.
  • Pensioner Data Verification (PDV): Sparsh can check and validate all details pertaining to a pensioner and ensure that all records are up to date and valid.
  • Application Tracking: A pensioner can track his or her application and can get real-time status updates for the same.
  • Grievances: A pensioner can also lodge a grievance and get a resolution on the same through the Sparsh portal.
  • Identification through Life Certificate: A pensioner can upload his or her life certificate and authenticate themselves on Sparsh. Once authenticated, they can initiate a pension request.

Login ID not Received to Pensioner

  • Pensioners who have not received their login ID need to register their grievance on the Sparsh Portal. You can access the grievance / complaint lodging page here.
  • Now, you will need to enter a list of details including PPO number, mobile number, email ID, Account number, full name, and more. Once entered, kindly lodge your complaint.

You can also lodge a complaint by navigating to the ‘services section’ on the Sparsh homepage, and navigate to the ‘Grievances’ part.

Once your complaint is registered, Sparsh will send across your user ID and password to your registered mobile number. Post this, you can login to your Sparsh account.

How to Download and Read PPO

Find out how a pensioner can read his or her PPO after downloading it.

How to Read PPO

A PPO will have the following important details mentioned within it:

 

  • PPO Number
  • Full Name
  • Regimental Number
  • Date of Enrollment and Discharge
  • Record Office
  • Last Held Rank
  • Payment Details (including pay level, military service pay, classification allowance, average pay for last 10 months, pay in pay matrix, and last emolument drawn)
  • Beneficiary bank account details
  • Lump sum entitments
  • Recurring payments
  • Spouse Details (including Aadhar number, PAN, Name, Phone Number, and Email ID)
  • Family Details (including children details)

How to Download PPO

Let us now find out how you can download your PPO in simple steps:

 

  • First, login to your Sparsh account.
  • Next, click on ‘My Documents’ on the left-hand side.
  • Now, navigate to the ‘Pensioner PPO’ section.
  • Download and open your Pensioner PPO PDF file.

Sparsh Defence Pension Customer Support

Sr. No

Address

Contact Details

1.)

Principal Controller of Defence Accounts (Pensions),

Draupadi Ghat, Near, Sadar Bazar, Prayagraj,

Uttar Pradesh – 211014

18001805325

2.)

SPARSH Seva Kendras

Sparsh Center Locator

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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RTO

How to use MP RTO Vehicle Registration Search?

RTOs in India

How to use MP RTO Vehicle Registration Search?

If you are a resident of Madhya Pradesh (MP) and you want to check the vehicle registration status of any vehicle in the state of Madhya Pradesh (MP), then you can do so easily by following our simple and easy to follow guide. We will talk about the following:

 

  • How to use MP RTO Vehicle Registration Search?
  • Reasons for Checking Vehicle Registration in MP

How to use MP RTO Vehicle Registration Search?

It is possible that you want to check the registration status of a vehicle and find out under whose name a vehicle is registered under. Reasons for checking the status of a vehicle could be many, but first let us find out how to check the status of a vehicle using the MP RTO Vehicle Registration Search.

Step 1.) Visit the Official MP RTO Vehicle Registration Search Page

First, you will need to navigate to the official MP vehicle registration search page. You can do so by searching for the term ‘MP RTO Vehicle Registration Search’ on Google and navigate on the official MP RTO website.

Step 2.) Enter your Details

Now, once you are on the official website, you will need to enter the following information within the fields; Registration Number, Engine Number, Chassis Number, and Search Criteria. Once entered, click on the ‘Submit’ button.

MP RTO Vehicle Registration Search

Step 3.) Check and verify Details

Next, the tool will give you a whole host of information based on your entered values. You can check the following details:

 

  • Registration number
  • Number of owners
  • Permanent and temporary address of owner
  • Registration type
  • Registration date and issue date
  • Manufacturing year of vehicle
  • CC of vehicle
  • Vehicle brand and company

MP RTO Vehicle Registration search details

Reasons for Checking Vehicle Registration

There are a variety of reasons why you would want to check the vehicle registration via MP RTO vehicle registration owner search. Some of the common reasons include:

 

  • You want to find out how many owners have changed hands of a particular vehicle.
  • You want to verify the owner details of a vehicle.
  • You want to verify if a vehicle is registered as a petrol, diesel or CNG
  • You want to verify the age of the vehicle.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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RTO

How to find your Nearest RTO in Maharashtra?

nearest RTO in Maharashtra

How to find your Nearest RTO in Maharashtra?

Are you looking to find your nearest RTO office in Maharashtra? This guide will show you exactly how to find the nearest RTO office in Maharashtra.

Check out our simple guide and find out a RTO office near you in Maharashtra. We will talk about the following:

Table of Contents:

  • Find the Nearest RTO in Maharashtra
  • Registration Process in Maharashtra RTO
  • Functions of Maharashtra RTO

Find the Nearest RTO in Maharashtra

This is how you can find your nearest RTO in Maharashtra.

know your RTO

  • Open the Official PDF: Now, you will be redirected to a PDF that specifies the location and the jurisdiction of every RTO in Maharashtra.

nearest RTO in maharashtra

  • Search and Enter your Pin Code: Now, press ‘Ctr+F’ and enter your pin code into the search bar.
  • Find your nearest RTO: Now, you will get the address of your nearest RTO based on your location and pin code.

RTOs near Mahim

Registration Process in Maharashtra RTO

Mentioned below is the registration process for registering new vehicles in Maharashtra.

Step 1.) Visit your nearest local Maharashtra RTO

First, you will need to visit your local Maharashtra RTO. You can find your nearest RTO in Maharashtra by following the guide above. Be sure to carry your original personal IDs as well as address proof.

Further, you will also need to carry your original vehicle papers that you have received from your vehicle dealer.

Important vehicle papers you must carry include bill and receipt of payment made, motor insurance copy, vehicle PUC, and road-worthiness certificate.

Your documents should clearly mention the engine number, make, and model of the vehicle.

Step 2.) Fill-up the necessary forms and pay registration fees

Next, once at the RTO, you will need to fill-up some RTO forms. You will have to fill-up and submit a list of forms including Form 20 / Form 21, and Form 22A. Once the forms are filled, you will need to pay the registration fees for your vehicle.

The registration fees  depend on the type of new vehicle you register, and the fees will vary from vehicle to vehicle.

Step 3.) Document submission

Now, once the registration fees are paid, you will need to submit your documents along with the requisite forms to the RTO officer. The RTO officer will then verify these documents.

Step 4.) Inspection and verification

Once your document verification is complete, the RTO officer will now begin the vehicle inspection procedure. This is where he will physically inspect and verify the vehicle.

Step 5.) Issuance of Registration Certificate (RC)

Upon completion of inspection of vehicle, the Assistant Regional Transport Officer (ARTO) will approve your application, and your RC will be disbursed to your registered address within 7 working days.

Functions of Maharashtra RTO (MH RTO)

Maharashtra RTO is one of the busiest RTOs in the country as it caters to over 35 million Registered vehicles in Maharashtra alone (till 2019). In fact, there were a whopping 1.9 million new vehicle registrations in in 2021 alone.

This makes Maharashtra RTO one of the busiest RTOs in the nation. Let us highlight some of the most important duties of MH RTO:

  • Issuance and renewal of driving licenses in the state of Maharashtra.
  • Conducting driving tests in the state of Maharashtra.
  • Collecting road tax in Maharashtra.
  • Conducting and participating in un-claimed motor vehicle auctions in Maharashtra.
  • Collecting fines from vehicle owners.
  • Disbursing RC certificate along with other permits.
  • Issuance of NOCs to owners.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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