List of Documents Required for Buying a New Car

Buying a new car involves various steps and essential documentation, from loan approval to registration and insurance. Ensuring you have the required paperwork in place will make the process smoother and more efficient.

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After a lot of research and deliberation, you finally decide on the car you want to buy. Once you seal the agreement with the car dealership, the next step would be the registration and car insurance procedures.

The paperwork involved in the process of registering the car can be intimidating. We have listed the processes and documents here for your reference and ease of understanding.

List of Documents Needed to Buy a New Car on Loan:

List of documents needed to buy a new car loan are given below: 

  1. Identity proof such as Aadhaar, passport, driving license, etc. 
  2. Address proof such as Aadhaar, utility bills, life insurance policy, etc. 
  1. Age proof such as certificate of birth, certificate of school transfer, 10th standard marksheet, etc. 
  2. Income proof such as Form 16, latest salary slip, IT return document, etc. 
  3. Bank statement for 3 months to 6 months. 
  4. This document includes the dealer's price quote for the vehicle the applicant chose. The loan sum will be determined by the car's cost. 
  5. Proof of business ownership if you are a self-employed person. 
  1. Audited balance sheet and profit-loss statement if you are a self-employed person. 
  2. Proof of signature verification. 

You should remember to get all details in writing, including the delivery date of the vehicle, price, add-ons, accessories, and discounts availed. The down-payment made and the on-road price of the car should also be recorded in writing. Ensure that you are aware of the processes involved in situations like delay in car delivery or cancellation of booking. Also, make sure that you have all the relevant receipts, temporary Registration Certificate, PUC Certificate, owner's manual, warranty cards, and roadside assistance number.

Documents Required to Book a New Car:

List of documents while purchasing a new car are given below: 

  1. Proof of Nationality: To demonstrate your Indian citizenship. Show identification cards for voting, academic transcripts, and passports. 
  1. Proof of identity: Identity documentation such as a PAN card, Aadhaar card, or other government-issued ID card. 
  2. Residential proof: This includes lease and mortgage papers, phone and power bills, and legal documentation proving land ownership. 

Post booking a car, list down the following details in writing from the dealer. They are: 

  1. Date of delivery 
  2. On-road price of the car 
  1. Discount availed 
  2. Add-ons 
  3. Down-payment provided 
  4. Accessories price 
  5. Processes involving cancelled or delayed deliveries 
  1. Relevant receipts provided for later use 

Documents Required while Registering a New Car:

Given below are the documents required to be submitted while getting your new car registered: 

  1. Identity proof such as Aadhaar, passport, driving license, etc. 
  2. Address proof such as Aadhaar, utility bills, life insurance policy, etc. 
  1. Age proof such as certificate of birth, certificate of school transfer, 10th standard marksheet, etc. 
  2. Vehicle purchase invoice 
  3. Car insurance copy 
  4. Copy of your PAN card 
  5. Temporary registration which has been provided by the car dealer 
  1. Receipt of registration fees 
  2. Form 20 
  3. Form 22 
  4. Form 34 
  5. Form 21 

Documents Required while Re-Registering your Car:

Given below are the documents required to be submitted while getting your car re-registered: 

  1. Form 25 
  2. Certificate of pollution under control 
  3. RC Book 
  1. Certificate of Fitness 
  2. Registration Certificate 
  3. Proof to show that the road tax has been paid till date 
  4. Certificate of insurance 
  5. Form 60 and Form 61 or copy of your PAN card 
  1. The signature of the owner 
  2. Chassis and Engine Pencil print 

Documents Required to Obtain NOC for Your Car

If the owner of the vehicle takes it to another state, the vehicle will have to be re-registered there. The NOC can be applied for through the completion of the following formalities:

  1. Application to be submitted on Form 28 - 4 copies
  2. Copy of the RC, attested
  3. Road tax payment evidence
  4. Certificate from the tax collection authority indicating that there are no tax dues
  5. Valid insurance and PUC certificate

Documents Required for Car Insurance: 

Given below are the documents required to purchase a car insurance: 

  1. Address proof such as Aadhaar, utility bills, life insurance policy, etc. 
  1. Identity proof such as Aadhaar, passport, driving license, etc. 
  2. Your car’s registration certificate 
  3. Driving License details 
  4. The vehicle owner’s passport size photo 

Car Insurance Formalities:

Before we get to the documentation required for registering the vehicle, let us take a look at the process for narrowing down on a suitable insurance policy for your car. You should ideally compare car insurance between providers before you actually buy the car.

Buying insurance from the dealership is not always the best solution as far as cost-effectiveness of the policy is concerned.

You should be aware of the fact that it takes only a few minutes to buy insurance online. Online policies are also cheaper and easy to maintain, and these offer greater security to the buyer. Additionally, it is possible to refer to these policies whenever required - all you need is an internet connection. The chances of misplacing the documents are minimised considerably as well.

The car insurance policy documentation is required for the registration of the vehicle. So, keep this ready in order to ensure a smooth registration process.

FAQs on List of Documents Required for Buying a New Car

  • What happens if someone forgets to submit the necessary paperwork for a car insurance policy?

    When you apply for car insurance coverage, the insurer will get in touch with you if any of the needed documents are missing and they need more information. The agent would contact you if you made an application via them to request extra paperwork. The policy wouldn't be issued until all the documents were received and confirmed. 

  • Is Aadhar a need for vehicle registration?

    Since 2021, the Central Government has made the Aadhaar card a requirement for all acts involving automobiles, including the registration of new vehicles. 

  • Is proof of local residence necessary for vehicle registration?

    Among the accepted documents for proving your identity are your PAN card, Aadhar card, voter ID, passport, and driver's licence. Aadhar cards, ration cards, voter identification cards, account statements from nationalised banks, registered rent agreements, utility bills, and other papers are on the list of acceptable proofs of domicile. 

  • What is LMV's and MCWG's complete form?

    Motorcycle With Gear is referred to as MCWG and LMV as Light Motor Vehicle. 

  • Is a driving licence necessary to purchase a vehicle in India?

    In India, a driving licence is not a requirement for buying a car. But regardless of whether you decide to buy the car or not, the dealer will let you test drive any vehicle of your choosing if you have a licence. 

  • Do you require evidence of income before purchasing a car?

    When choosing to finance or borrow money to buy an automobile, you must provide proof of your income. As evidence that you are employed and able to repay the loan, you must provide a year's worth of bank statements, three months' worth of pay stubs, and tax records. 

  • Does installing a CNG kit after the fact necessitate a new Registration Certificate for the vehicle?

    Yes, installing a CNG kit after the fact on a vehicle calls for the RTO's formal approval in the form of a new Registration Certificate noting the bi-fuel status. 

  • When is a NOC necessary?

    Two situations necessitate the submission of a NOC: 1) By the seller RTO if the ownership change is interstate 2) By the lender if the car was financed but paid off before being sold. 

  • Is the Vehicle RC need to be present while driving?

    The vehicle RC must be carried when driving, whether it be a hard copy or a soft copy. If you don't, the traffic cop has the authority to take your car. According to the MV Act, the authorities may additionally impose fines of Rs.5,000 for the initial offence and Rs.10,000 for a second or subsequent offence. 

  • Can a car's insurance and registration have different names?

    No, a car cannot be insured in someone else's name while being registered in someone else's. Car insurance and registration in India must be in the same person's name. If you decide on a used automobile, transfer the insurance once the RC has been done. A claim is likely to be rejected if both the RC and the insurance are on separate names.

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