Updated on - 02 Jan 2026
Are you tired of your car’s current colour and thinking about giving it a fresh new look? Repainting or changing your car’s colour can instantly transform its appearance and make it stand out. However, in India, this isn’t just a simple cosmetic decision; it’s a legally regulated process.
Since the car’s colour is officially recorded on your Registration Certificate (RC), any alteration must follow the Regional Transport Office (RTO) guidelines. Failing to do so can result in penalties, registration suspension and insurance claim issues.
This article explains everything you need to know to legally and smoothly change your car’s colour – from RTO approval and documentation to important insurance considerations.
What is the procedure for changing the car colour?
Here are the steps to changing your car's colour:
- Get mandatory approval from the RTO: Visit your local Regional Transport Office (RTO) and fill out the Form NAMV (Notice for Alterations in Motor Vehicles). It includes details like your car model and the desired new colour.
- Submit necessary documents: Along with Form NAMV, submit your car's Registration Certificate (RC), Pollution Under Control (PUC) certificate, insurance papers and identity proof at the RTO.
- Change the colour: Get your car painted or wrapped at a professional workshop once approved. Ensure that the final colour matches what the RTO approved.
- Re-inspection and RC update: After repainting, visit the RTO for vehicle inspection. Once approved, the RTO will update the colour details on your RC.
Things to keep in mind while changing car colour
Here are a few factors to consider when changing your car's colour:
- The new colour should not resemble official or emergency vehicles, like police cars or ambulances.
- Changing your car's colour without RTO approval can lead to penalties or even vehicle detention.
- Choose high-quality respraying or vinyl wrapping to maintain vehicle resale value.
- The updated RC is mandatory for resale or insurance claims.
Inform the car insurance company about the colour change
Once your car's colour is changed and updated, notify your insurer. Failing to update your car insurance policy may lead to claim rejection or policy cancellation. Most insurers require this update for both comprehensive and third-party car insurance policies.
Steps to update the new colour in your RC book
Legally changing your car’s colour involves completing essential steps, such as:
Step 1: Get RTO approval
- Go to the regional transport office.
- Fill in and complete the NAMV.
- Submit the completed form and the required supporting documentation for validation.
- You may require additional documents, such as the regional RC book, a copy of a current car insurance policy, the PUC certificate and proof of identification and address.
- Include a sample of the new suggested car colour with your application.
- Pay the relevant RTO fees.
- Before authorising, the RTO may need to inspect your car to confirm its current condition.
Step 2: Get your car repainted (after approval)
- You can start the colour change as soon as you have the official RTO clearance.
- Visit a qualified and experienced workshop to get your car repainted.
- Ensure the final colour is exactly the shade approved by the RTO for your application.
Step 3: Get the updated RC
- Give your freshly painted car to the RTO for the required inspection.
- After confirming that the new colour corresponds with the authorised application, the officer concerned will enter it into the central database.
- Pay any outstanding official fee after verification and receive the new registration certificate.
Legal implications of changing your car colour
While you are allowed to change your car’s colour, it is legally mandatory to obtain prior approval from the RTO and update the new colour in your RC. Failure to do so can lead to serious consequences such as heavy fines, suspension of your RC or even rejection of future insurance claims.
To stay compliant, you must apply for RTO approval before repainting, ensure that the approved colour is updated in your RC and notify your insurer about the change. Following the correct legal procedure helps you avoid penalties and ensures that your vehicle remains fully authorised to use.
How changing your car colour affects your car insurance
Changing your car’s colour may not directly impact your insurance premium. Generally, insurance costs are calculated based on factors such as the vehicle’s model, engine capacity, safety features and age. However, if the repainting is elaborate, customised or significantly enhances the vehicle’s appearance or value, it could increase your car’s Insured Declared Value (IDV), which may, in turn, affect the premium.
It is essential to inform your insurance provider once the colour change is completed and updated in your RC. Failing to do so may lead to complications during claim settlements or, in some cases, rejection of claims altogether.
Before proceeding with a colour change, review your existing insurance policy and clarify any doubts with your insurer.
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Tips for maintaining your car’s new paint colour
To ensure your investment lasts for years, it is important to maintain your car the right way:
- Wait before washing: After repainting, wait at least two weeks before washing your car.
- Use the correct cleaning technique: To rinse the mitt, use pH-balanced car cleaning solution and clean water.
- Use soft material: Use a fresh soft microfiber cloth for every wash. It captures dirt and prevents scratches and swirl marks.
- Avoid harsh chemicals: Household detergents and abrasive brushes can strip away the protective wax coating and damage your car’s clear coat.
- Apply a protective coating: For more protection, wax your car every few months and apply a paint sealer or a long-lasting ceramic coating to improve durability against environmental factors.
- Use a car cover: When parking outside for extended periods, use a high-quality car cover. This protects from pollutants, excessive dust and sun damage.
- Park in the shade: Keep your car out of direct intense sunlight because paint oxidation and colour loss are mostly caused by intense UV radiation.
Conclusion
Changing your car’s colour can give it a fresh, distinctive look, but it’s essential to follow the proper legal and administrative procedures. Obtaining RTO approval and updating your Registration Certificate are mandatory steps to stay compliant. Remember, enhancing your car’s appearance is only part of the process; ensuring that your legal documentation and comprehensive car insurance are updated is equally important. By following the correct procedure, you can enjoy your car’s new stylish look and be legally protected.
FAQs
1. Does a fully vinyl car require RTO clearance?
Prior RTO clearance is still needed for a fully vinyl car wrap that totally changes the colour listed on your registration certificate (RC). Any alteration that modifies the vehicle officially registered or coloured is subject to regulatory requirements.
1. How long does the car colour-changing RTO process take?
Obtaining the initial permission typically takes 7 to 15 working days, although this timeframe may vary significantly depending on the RTO office. After the painting job is finished, further time will be needed for the final inspection and re-issue of the new RC book.
3. Can a car that is under loan or hypothecation be repainted?
It is possible to repaint it, but the bank or other financial institution holding the hypothecation must first obtain a No Objection Certificate (NOC) for you. Along with your application for a colour change, you must submit this NOC to the RTO.
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