RTO Vehicle Details × Insurance
RTO Vehicle Details for Insurance Underwriting & Claims
Verify vehicle ownership, check challan history, validate policy details and assess risk in real-time for motor and health insurance.
~1.2s
Response Time
78%
Uptime
₹799/mo
Starting at
The Problem
- Manual vehicle RC verification delays policy issuance by 2-3 days
- Fraudulent claims with mismatched vehicle ownership details cost insurers crores
- No automated way to check pending challans or blacklist status at quote time
- Difficulty verifying customer identity (PAN, address) during claims processing
The Solution
- Instant RC verification at quote time — issue policies in minutes, not days
- Detect ownership mismatches and potential fraud before binding coverage
- Check challan history and vehicle fitness status for accurate risk pricing
- Validate PAN and GSTIN for commercial vehicle fleet insurance
Quick Integration Example
Get started in minutes — here's a sample cURL request for the RTO Vehicle Details:
cURL
curl -X GET "https://api.cstudio.sbs/v1/rto/vehicle-details?vehicle_number=MH12AB1234" \
-H "X-API-Key: YOUR_API_KEY" \
-H "Content-Type: application/json"Sample Response JSON
{
"status": "success",
"success": true,
"registration_number": "MH12AB1234",
"data": {
"regNo": "MH12AB1234",
"owner_name": "AARAV DESAI",
"owner_count": "1",
"rc_status": "ACTIVE",
"blacklist_status": "CLEAN",
"registered_address": "42, Maple Residency, Baner, Pune, Maharashtra, 411045",
"present_address": "42, Maple Residency, Baner, Pune, Maharashtra, 411045",
"permanent_address": "42, Maple Residency, Baner, Pune, Maharashtra, 411045",
"make": "MARUTI SUZUKI INDIA LTD",
"model": "BALENO DELTA 1.2",
"color": "SILVER",
"fuel_type": "PETROL",
"vehicle_class": "Motor Car(LMV)",
"norms": "BHARAT STAGE VI",
"seat_capacity": "5",
"registration_date": "15-Sep-2022",
"manufacturing_date": "08/2022",
"fitness_upto": "14-Sep-2037",
"tax_upto": "14-Sep-2037",
"rto": "Pune, Maharashtra",
"rto_code": "MH-12",
"rto_website": "https://example.com/rto",
"state": "Maharashtra",
"financer": null,
"hypothecation_status": "NONE (Self-Financed / Unencumbered)",
"insurance_company": "Example General Insurance Co. Ltd.",
"insurance_policy_no": "MOTOR/DEMO/2026/000123",
"policy_type": "PRIVATE CAR PACKAGE POLICY",
"policy_status": "Active",
"current_policy_period": "15-Sep-2026 to 14-Sep-2027",
"policy_period_tp": "15-Sep-2026 to 14-Sep-2027",
"idv": "650000",
"ncb": "20%",
"nil_depreciation": "Y",
"previous_insurer": "Example General Insurance",
"insurance_upto": "14-Sep-2027",
"puc_number": "MH12/DEMO/2026/004821",
"puc_upto": "14-Mar-2027",
"puc_status": "ACTIVE",
"puc": {
"puc_number": "MH12/DEMO/2026/004821",
"valid_upto": "14-Mar-2027",
"status": "ACTIVE",
"history": [
{
"puc_number": "MH12/DEMO/2026/004821",
"valid_upto": "14-Mar-2027",
"is_active": true
}
]
},
"pending_challan_count": 0,
"total_pending_challan_amount": 0,
"has_pending_challans": false,
"challan": {
"summary": {
"total_challans": 0,
"has_pending_challans": false,
"pending_challan_count": 0,
"total_pending_amount": 0,
"total_pending_amount_formatted": "₹0.00"
},
"records": []
},
"vehicle": {
"registration_number": "MH12AB1234",
"owner_name": "AARAV DESAI",
"owner_count": "1",
"maker": "MARUTI SUZUKI INDIA LTD",
"model": "BALENO DELTA 1.2",
"maker_model": "MARUTI SUZUKI INDIA LTD BALENO DELTA 1.2",
"vehicle_class": "Motor Car(LMV)",
"fuel_type": "PETROL",
"color": "SILVER",
"cubic_capacity": "1197",
"seating_capacity": "5",
"manufacturing_date": "08/2022",
"registration_date": "15-Sep-2022",
"rc_status": "ACTIVE",
"blacklist_status": "CLEAN",
"financer": "",
"hypothecation_status": "NONE (Self-Financed / Unencumbered)",
"present_address": "42, Maple Residency, Baner, Pune, Maharashtra, 411045",
"permanent_address": "42, Maple Residency, Baner, Pune, Maharashtra, 411045",
"registered_address": "42, Maple Residency, Baner, Pune, Maharashtra, 411045"
},
"insurance": {
"company": "Example General Insurance Co. Ltd.",
"policy_number": "MOTOR/DEMO/2026/000123",
"policy_type": "PRIVATE CAR PACKAGE POLICY",
"policy_status": "Active",
"current_policy_period": "15-Sep-2026 to 14-Sep-2027",
"policy_period_tp": "15-Sep-2026 to 14-Sep-2027",
"valid_upto": "14-Sep-2027",
"previous_insurer": "Example General Insurance",
"idv": "650000",
"ncb": "20%",
"nil_depreciation": "Y"
},
"rto_details": {
"rto": "Pune, Maharashtra",
"rto_code": "MH-12",
"rto_phone": "",
"rto_website": "https://example.com/rto",
"state": "Maharashtra"
}
},
"cached": false,
"lookup_time_seconds": 3.02
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