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Duplicate RC or Insurance Affidavit

At a glance

Price: Free till 31 Dec
Stamp duty: An affidavit is chargeable under Article 4, Schedule 1-A to the Indian Stamp Act, 1899 as applicable to Punjab, which Schedule also governs the Union Territory of Chandigarh.
Registration: This affidavit goes into the Registering Authority's duplicate-Registration-Certificate file, or the insurer's own claims or policy-servicing file, and is not an instrument the Registration Act, 1908 requires to be registered, in Punjab or in Chandigarh — a sworn statement of loss is not among the categories Section 17 of that Act reaches, whichever office receives it.
Witnesses: This affidavit needs no separate attesting witness in either jurisdiction beyond the notarial attestation.

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Also called

Affidavit of Loss for Duplicate RC
Duplicate Registration Certificate Affidavit
Lost Insurance Policy Affidavit
Duplicate Cover Note Affidavit
Vehicle Document Loss Affidavit
डुप्लीकेट आरसी शपथ पत्र
बीमा पॉलिसी खोने का हलफनामा
ਡੁਪਲੀਕੇਟ ਆਰਸੀ ਹਲਫ਼ਨਾਮਾ

When you need it

Your vehicle's Registration Certificate, or its motor insurance policy or cover note, has been lost, stolen, destroyed or badly mutilated, and you need a sworn affidavit of loss to support an application for a duplicate — of one, or of both together, since the two are often lost at the same time. A duplicate Registration Certificate is granted under Rule 47 of the Central Motor Vehicle Rules, 1989, made under the Motor Vehicles Act, 1988, which applies uniformly across India; what is jurisdiction-specific here is the Registering Authority you file before — in Punjab the Sub-Divisional Motor Vehicle Officer or District Transport Officer of the district, in Chandigarh the Registering Authority, Union Territory of Chandigarh — and where this affidavit is notarised.

A duplicate insurance policy or cover note is governed by the Insurance Act, 1938 and IRDAI's own regulations, which are central and not jurisdiction-specific at all; it is issued by the insurer named in the affidavit, not by any Punjab or Chandigarh authority, on whatever proof of loss the insurer's own process currently asks for. Not for a driving licence lost or destroyed, for which the Driving Licence Affidavit is the document; and not for reporting the vehicle itself as lost or stolen to the police, which this affidavit assumes has already been considered separately — see the note on a police report below.

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You can fill this one in on this site, and read the whole draft on screen before you decide anything about it. It is a carefully drafted template; it is not advice about your own facts.

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See stamp duty, registration and witnesses

What follows is written for Punjab and Chandigarh. It states the position there rather than describing how it varies, so the amounts below are the ones that apply — worth confirming at the sub-registrar’s office, because rates change. If the property is anywhere else in India, none of this is yours.

Stamp duty

An affidavit is chargeable under Article 4, Schedule 1-A to the Indian Stamp Act, 1899 as applicable to Punjab, which Schedule also governs the Union Territory of Chandigarh. In practice it is sworn on a non-judicial stamp paper of the smallest denomination generally sold at a treasury, an SHCIL e-stamp counter or an authorised stamp vendor in Punjab or in Chandigarh; the Parivahan portal's own online workflow for a duplicate Registration Certificate, and most insurers' own claims portals, commonly ask for an affidavit of this kind to be uploaded as a scanned document rather than produced in original at the counter. Punjab's Schedule 1-A rates for a list of instruments including affidavits have been revised by notification from time to time, and the exact rupee figure now in force was not independently confirmed for this template — confirm it at the stamp vendor on the day of purchase.

Registration

This affidavit goes into the Registering Authority's duplicate-Registration-Certificate file, or the insurer's own claims or policy-servicing file, and is not an instrument the Registration Act, 1908 requires to be registered, in Punjab or in Chandigarh — a sworn statement of loss is not among the categories Section 17 of that Act reaches, whichever office receives it.

Notarisation

Sworn or affirmed before a Notary Public or an Oath Commissioner appointed for Punjab or for the Union Territory of Chandigarh, who verifies the Deponent's identity and signs, stamps and dates the affidavit, before it is uploaded or produced with the application.

Witnesses

This affidavit needs no separate attesting witness in either jurisdiction beyond the notarial attestation.

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Sample preview — placeholder answers, not your data

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DUPLICATE RC OR INSURANCE AFFIDAVIT

Executed at Jalandhar on 1 April 2026.

I, Neha Sharma, daughter of Ashok Sharma, aged about 34 years, resident of House No. 61, Guru Nanak Nagar, Jalandhar 144001, holding Aadhaar 5555 6666 7777, applying within the State of Punjab (the "Deponent" or "I"), do hereby solemnly affirm and declare as follows:

1. THE APPLICATION

1.1 I make this affidavit in support of an application for a duplicate Registration Certificate, the original having been lost, stolen, destroyed or badly mutilated.

1.2 I make this affidavit for filing before SDM-cum-Registering & Licensing Authority, Jalandhar.

2. THE VEHICLE

2.1 Particulars of the Vehicle: make and model Bajaj Pulsar 150, registration number PB08 BT 3390, presently standing in the Registration Certificate in the name of Neha Sharma.

2.2 Chassis number: MD2A11AY9K123456.

2.3 Engine number: DJPCH1234567.

3. CIRCUMSTANCES OF LOSS

3.1 The Registration Certificate was in my wallet, which was lost while travelling by bus from Jalandhar to Amritsar on 5 September 2026; despite a diligent search it has not been found. I have not found the original since, I have not misused it, and I have not pledged, hypothecated or handed it to any other person as security; if I find it after a duplicate is issued, I undertake to surrender it to SDM-cum-Registering & Licensing Authority, Jalandhar.

3.2 I lodged a report of the loss, particulars of which are: DDR No. 214/2026 dated 6 September 2026, Police Station Division No. 4, Jalandhar.

4. DECLARATION

4.1 Every statement made above is true to my own knowledge, information and belief, and I have concealed nothing material to this application. I am aware that furnishing false information in support of this application is an offence under the Motor Vehicles Act, 1988, or, as the case may be, is a false declaration to the insurer, and that the duplicate sought is liable to be refused, or cancelled, if any statement made here is found false.

VERIFICATION

Verified at Jalandhar on 1 April 2026 that the contents of paragraphs 1 to 4 above are true and correct to my own knowledge, that no part of it is false, and that nothing material has been concealed.

DEPONENT

Signature: ______________________________
Neha Sharma

ATTESTATION

Solemnly affirmed and signed before me on 1 April 2026 at Jalandhar, the Deponent having been identified to my satisfaction by Aadhaar 5555 6666 7777.

Questions about this document

Does the Duplicate RC or Insurance Affidavit need stamp paper or stamp duty in Punjab and Chandigarh?

An affidavit is chargeable under Article 4, Schedule 1-A to the Indian Stamp Act, 1899 as applicable to Punjab, which Schedule also governs the Union Territory of Chandigarh.

See the full position on stamp duty, registration and witnesses

Does the Duplicate RC or Insurance Affidavit need registration in Punjab and Chandigarh?

See the full position on stamp duty, registration and witnesses

What does the Duplicate RC or Insurance Affidavit cost on Kaagazaat?

Free till 31 Dec.

Launch period: downloads are free until 31 December. Nine everyday papers stay free for good.

Does the Duplicate RC or Insurance Affidavit need witnesses?

This affidavit needs no separate attesting witness in either jurisdiction beyond the notarial attestation.

See the full position on stamp duty, registration and witnesses

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