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Ruchit Agarwal

India is building a clear chain of custody for used cars

Deemed ownership can show who has the car, who is responsible for it, and what remains before the RC transfer is complete. India now has the foundation for a visible custody trail from the seller, through authorised dealers and eventually to the buyer.

Sep 2, 20267 minutes
Ruchit Agarwal

Your car moved to another dealer. Would you know?

MoRTH’s proposed Form 29CA could record used-car movement between authorised dealers and show the seller who currently holds the car.

Sep 1, 20266 minutes
Ruchit Agarwal

Deemed ownership is moving forward. The last mile still needs work.

MoRTH’s proposed deemed-ownership changes move the system forward. The seller will experience the reform only when the last mile becomes faceless, time-bound and workable for authorised dealers.

Aug 31, 20268 minutes
Ruchit Agarwal

The loan is closed. Why is the bank still on your RC?

Repaying a car loan does not automatically remove the lender from the RC. This guide explains hypothecation termination, Form 35, the available digital routes and the records a seller should track.

Aug 30, 20265 minutes
Ruchit Agarwal

The car is sold. Why is the seller called back?

Delhi says a registered owner need not appear for every RC transfer. This guide explains when an RTO may call the seller, what to verify and how Form 29C differs from the final RC transfer

Aug 29, 20264 minutes
Ruchit Agarwal

The 15-day RC-transfer clock starts after the seller's wait has already begun

When you sell your car, your clock starts the day you hand over the keys. The official RC-transfer clock usually starts later, when the application receives an e-receipt. That is why government data can show a 15-day transfer while the seller feels they have waited much longer.

The answer is to measure both clocks: handover to e-receipt, and e-receipt to final RC transfer.

Aug 27, 20266 minutes
Ruchit Agarwal

Deemed ownership works. Adoption remains concentrated.

VAHAN recorded 4,424 Transfer to Dealer transactions from January to July 2026. Cars24 accounted for 2,190, or 49.5%. The data shows a legal rail that works when it is built into the handover, but remains concentrated rather than routine.

Aug 5, 20268 minutes
Ruchit Agarwal

Two quiet MoRTH notifications could change what happens after you sell your car

Two MoRTH notifications issued in July 2026 could change how used-car ownership moves in India. One enables more faceless, Aadhaar-authenticated vehicle services; the other proposes clearer legal responsibility and digital tracking between dealers.

Aug 2, 20267 minutes
Vikram Chopra

The End of Delegation

AI changes the cost of context. It should change how companies are built.

Jul 10, 20264.5 minutes