Posted on: Jul 4, 2025 | 3 mins | Written by: HDFC ERGO Team

What Is RC Book? Meaning , Use & Validity Guide

RC Book Importance Guide

Introduction

Just brought home your dream bike or car? Before you take it for a spin, it’s essential to ensure all your vehicle documents are in order. Among the most important are your car insurance policy and the RC Book. If you’re unsure what an RC is or why it’s important, this guide will walk you through everything you need to know.

What is an RC Book?

The RC book, short for Registration Certificate, is a government-issued document that legally proves your ownership of a vehicle. Issued under the seal of the Regional Transport Office (RTO), it contains essential details such as your name, address, the vehicle’s registration number, engine and chassis numbers, make, model, and manufacturing year.

When you buy a new bike or car, the dealer usually handles the registration, and the RTO sends the RC smartcard by post. For second-hand vehicles, the new owner must visit the RTO for an inspection before the RC is issued. Previously a physical booklet, the RC has now evolved into a compact smartcard with printed vehicle data and an embedded RFID chip. This chip prevents tampering and keeps the information secure, even if the print fades over time.

An RC is valid for 15 years from its registration date. After this period, if your vehicle is still roadworthy, you can renew it for another five years following an inspection by the RTO.

Why Is the RC Book Important?

Here’s why the RC book is important:

• The RC proves you own the vehicle.

• As per the Motor Vehicles Act in India, every vehicle must be registered.

• In case of an accident or theft, your RC is one of the first documents your insurer will ask for.

• You need the RC to transfer ownership legally to the buyer.

• If you're moving to another state, your vehicle will need to be re-registered there. The original RC is necessary for this process.

• The RC contains key information like the chassis number, engine number, vehicle type, fuel type, and registration date. This helps in tracing the vehicle’s history—useful in case of resale or police verification.

• If you're planning any major modifications, the updated RC will reflect the legal approval for those changes.

Conclusion

Your RC Book connects you to your vehicle, ensures you meet legal requirements, and supports your insurance needs. Make sure to keep it safe, updated, and always within reach.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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