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Motor Insurance - Disclaimer

Disclaimer: Motor insurance is subject to policy terms, exclusions and underwriting guidelines. Premiums and discounts vary based on vehicle details and coverage selected.

Premium: The vehicle insurance premium is paid for the coverage against the risk associated with owning and operating a vehicle, such as accidents, theft or damage. Insurance premiums vary based on the vehicle’s make, model, variant, cubic capacity, geographical location, vehicle age, policy tenure & the IDV of the vehicle. The premium mentioned for car insurance excludes applicable taxes. T&C Apply. 

Discount: The discount depends on factors such as vehicle specifications, age, and geographical location. Discounts are calculated on Basic Own Damage Premium and apply exclusively to the Own Damage component. Additionally, our add-ons such as IndusInd Limit Sure Pay As You Drive & Preferred Network Garage Benefit offer further discounts on the insurance premium. T&C Apply. 

8 Crore+ Policyholders: Figures are applicable to FY 2025–26. The numbers include Health, Personal Accident, Overseas Travel, and Domestic Travel.

Applicable UINs:

IndusInd Private Car Policy - Bundled - IRDAN103RP0001V03202425

IndusInd Private Car Policy - Stand-alone Own Damage - IRDAN103RPMT0004V03202425

“A” Policy for Act Liability Insurance - IRDAN103RP0003V01200102

“A” Policy for Act Liability Insurance (Private Car) - 3 Years - IRDAN103RP0003V01201819

IndusInd Two-Wheeler Package Policy - IRDAN103RP0011V02100001

IndusInd Two-Wheeler Policy (Bundled) - IRDAN103RP0003V04202425

IndusInd Two-Wheeler Policy - Stand-alone Own Damage - IRDAN103RPMT0024V02202425

"A" Policy for Act Liability Insurance (Two Wheeler) – 5 years - IRDAN103RP0004V01201819

Third Party long-term 2 & 3 year Two Wheeler Insurance Policy - IRDAN103RP0009V01201415

IndusInd Commercial Vehicles Package Policy - IRDAN103RP0012V02100001

See Car Insurance Disclaimer for details.

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Frequently Asked Questions (FAQs)

Can I check the e-challan with my phone?

Download the “E-challan app” from the Google Play Store. Open the app, enter your vehicle registration number. The app shows all pending traffic fines instantly. Select the challan to view details. Click the “Pay Now” button and complete payment using debit/credit card, UPI or net banking within the app. You can also use other authorised UPI or e-challan payment apps approved by the Jharkhand Transport Department.

What should I do if I don't receive an SMS notification for my E-Challan Ranchi?

If you don't get an SMS notice for your E-Challan Ranchi due to technical reasons, visit the Parivahan website or Jharkhand Police portal using your car registration number. Additionally, make sure your mobile number is updated with the RTO office to receive timely notifications about future violations and important communications.

What documents do I need to carry to avoid getting an e-challan in Ranchi?

To avoid an e-challan in Ranchi during traffic checks, always carry the essential documents, including a valid driving license, the original vehicle registration certificate, comprehensive motor insurance papers, a pollution under control certificate issued within the last six months and a commercial permit if operating a taxi or goods vehicle. Keep originals and photocopies safely stored in your dashboard.

Can I pay my E-Challan Ranchi using UPI or digital wallets?

Yes, you can conveniently pay your E-challan Ranchi through various digital payment methods, including UPI platforms like Google Pay, digital wallets such as Paytm, PhonePe, Amazon Pay and online banking on official Parivahan and Jharkhand Police portals. These platforms ensure secure transactions with instant payment confirmation messages sent to your registered mobile number.

Is there a mobile app specifically for E-Challan Ranchi payments?

While there's no dedicated app for E-Challan Ranchi, you can use the official Parivahan mobile application or visit mobile-friendly government websites. These platforms are optimised for smartphones, allowing you to access challan services, payment options and status tracking features from anywhere with proper internet connectivity.

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