What is Health Gain Insurance?

ATo make roads safer and traffic management more efficient, Karnataka’s traffic authorities introduced a 100% paperless e‑Challan system on 7 February 2024, becoming the first state in India to fully adopt digital enforcement. This advanced system uses CCTV cameras and handheld devices to detect violations in real time. Once a violation is recorded, an e‑Challan is instantly sent via SMS to the vehicle owner, and a physical IMS‑133 notice is also dispatched to the registered address for added compliance assurance.

The impact of this initiative has been remarkable. In 2024, the rollout of the Advanced Traffic Management System (ATMS) along the Bengaluru–Mysuru Motorway resulted in a 73% reduction in fatal accidents, proving how technology-driven enforcement can save lives and improve road safety.

For motorists, the e‑Challan system offers convenience like never before. Drivers can check pending challans, dispute incorrect ones, and make payments online, eliminating the need to visit traffic offices or deal with physical tickets. This digital-first approach not only saves time but also ensures transparency and accountability in traffic law enforcement.

What information is provided on the e‑Challan Karnataka?

General Details

Includes the date, time, unique e‑Challan number, and the vehicle's registration. These help in easy tracking and verification via official portals.

Violation Specifics

Shows offence type (e.g., overspeeding, mobile usage), exact location in Karnataka, and the prescribed fine amount under the MVA.

Evidence and Validation

Provides photographic proof via CCTV or officer’s device. A QR code on the IMS‑133 notice allows traffic violators to view the image and confirm accuracy.

How to pay an e‑Challan in Karnataka?

Pay via Parivahan e‑Challan Portal

Step 1

Navigate to the Parivahan e‑Challan portal.

Step 2

Select Online Services → e‑Challan.

Step 3

Enter your vehicle/DL/challan number and captcha.

Step 4

Click Get Detail, select a challan, and pay via UPI, net-banking, or cards.

Pay via KSP (Karnataka State Police) Portal

Step 1

Visit echallan.ksp.gov.in.

Step 2

Enter your vehicle number and district, solve the captcha.

Step 3

Click Search to view pending challans.

Step 4

Click Pay to complete the transaction using preferred method.

Time limit for paying the e‑Challan in Karnataka

If you receive an e‑Challan in Karnataka, you have 60 days from the date of issue to make the payment. This timeline is set under the Motor Vehicles Act, 1988, and failing to clear the dues within this period can lead to serious consequences.

Non-payment may attract additional late fines, and in some cases, your driving licence could be suspended. Persistent defaulters may even receive a court summons, which can result in further penalties and legal complications.

To avoid these hassles, it’s best to settle your e‑Challan promptly. Karnataka’s digital system makes this easy—you can check your challan status online, pay securely through authorized portals, and even dispute incorrect challans without visiting a traffic office. This ensures compliance while saving time and effort.

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Process steps

How to Check the Status of E-Challan Karnataka?

E-challan - Motor

Visit Parivahan

Visit Parivahan website, click “Online Services” & select “eChallan” option from the menu.

Enter Details

Enter your challan number, vehicle registration number or driving licence number in fields.

Retrieve E-Challans

Click the search button to retrieve your complete e-challan list from the database.

Review E-Challan

Review the displayed e-challan list showing all pending and paid traffic violations.

Click and Pay

Click on a specific challan to view detailed status, payment information and violation details.

What to do if a wrong Karnataka police challan has been issued?

Online Complaint Process

Visit the Parivahan e‑Challan portal and click Complaint.

Enter your name, contact, challan number, vehicle/DL number.

Choose Karnataka in State field and specify issue (e.g., “Wrong Vehicle”, “Duplicate Challan”).

Describe the error (max 500 characters), upload evidence (photos, logs, GPS data).

Submit form, get a ticket number. Use this to track complaint status via portal.

Offline Complaint Process

Visit your nearest Karnataka traffic police station (e.g., Bengaluru Traffic Police office).

Explain the mismatch—show evidence like photos, RC, DL, location/time proof.

Fill out any dispute form provided by the officer.

Submit form along with supporting documents.

Obtain an acknowledgement slip and consistently follow up until resolution.

New traffic fines list for Karnataka (2025)

Offence	Fine
Driving without licence	₹5,000
Riding/driving without insurance	₹1,000–₹4,000
Overspeeding (LMV)	₹1,000 (repeat ₹2,000)
Using mobile while driving	₹5,000
Not wearing helmet/seatbelt	₹1,000 each
Drunk driving	₹10,000 + imprisonment
Jumping signal	₹5,000
Dangerous/reckless driving	₹5,000
Triple riding	₹1,000
Obstructing emergency vehicle	₹10,000
Driving without PUC	₹10,000 + possible court action
Miscellaneous (parking, lane violation, etc.)	₹500–₹1,000

Reliance’s Heading Second Table

Reliance’s online set up helps ease the process of purchasing a health plan.

Features	Features
Premium starting at	Premium starting at

Disclaimer: Fine amounts may change; always refer to the Karnataka Transport Department for the latest updates.

What is an Account Aggregator?

Owning a valid motor insurance policy is mandatory in Karnataka under the Motor Vehicles Act, 1988. If you are caught driving without this essential document, you will face a penalty of ₹1,000 for the first offence, which can increase to ₹4,000 for repeat violations. Remember, your policy must include third-party liability coverage to comply with the law.

Imagine this scenario: your car is parked near a shopping complex, and when you return, you notice a dent on the door. With IndusInd Motor Insurance, you don’t have to worry about repair expenses. If you choose one of our network garages, you can enjoy cashless repair benefits, saving both time and money.

IndusInd General Insurance (formerly Reliance General Insurance) offers comprehensive protection against accidental damage, theft, and third-party liabilities. Whether your car suffers damage due to potholes or an accident caused by another driver, our plans ensure your finances remain secure. Plus, with 13 standard add-ons* and 3 EV-specific add-ons, you can enhance your coverage for complete peace of mind. Features like roadside assistance keep you stress-free while your car is being repaired.

With IndusInd Motor Insurance, you can drive confidently on Karnataka’s roads knowing your vehicle is protected. And in case of emergencies, managing your policy is simple through the Self-i app, which offers video claim processing and instant renewals.

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Why 5 Crore+ Policyholders Trust Us?

IndusInd General Insurance, earlier known as Reliance General Insurance, brings you a wide range of motor insurance plans crafted to fit your unique driving needs. Select the coverage that suits you best and amplify it with our extensive add-on options. With 13 standard add-ons and 3 dedicated EV add-ons, you can customize your protection effortlessly. Manage your policy with ease through the Self-i app, offering video claim processing and instant renewals. Plus, our 24/7 customer support is always ready to assist. Get comprehensive vehicle coverage across India today!*

E-challan - Motor

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Reliance General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Motor insurance plans starting at ₹19/month*

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From bikes to SUVs, we cover it all! Get quick claims, roadside help pan-India\* and 24/7 support.

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Frequently Added Questions (FAQs)

Will claim reimbursement be made in foreign currency?

No, all reimbursements are processed in Indian Rupees, based on the exchange rate applicable on the date of the incident or billing.

What should I do in case of lost passport or baggage?

File a police complaint at the local station and obtain a report. Also, inform the airline (for baggage loss) and file a PIR. These reports are needed for claim processing.

How do I track the status of my claim?

Claim status can be tracked via the Reliance customer portal or by contacting the claims assistance helpline with your reference number.

How long does it take to settle a claim?

If all documents are in order, most claims are settled within 10 to 15 working days. Complex cases may take slightly longer.

What is the time limit to report a claim?

Claims should be reported within 24–48 hours of the incident. Delay in notification may impact claim approval unless a valid reason is provided.

What documents are needed for a reimbursement claim?

You must submit the filled claim form, original hospital bills, medical reports, passport copy with visa stamps, boarding pass, and any other relevant documents.

What is Senior Citizen Travel Insurance?

Senior Citizen Travel Insurance is a specially designed policy that provides financial protection to individuals above 61 years of age when travelling abroad. It offers coverage for medical emergencies, hospitalisation, baggage loss, trip delays, and more, ensuring peace of mind during international travel.

Who is eligible for this policy?

Any Indian citizen aged 61 years and above can purchase this policy. It is suitable for both solo senior travellers and those travelling with family members.

Why is travel insurance important for senior citizens?

With advancing age, the risk of medical complications increases. This policy ensures that senior travellers are protected from high medical costs abroad, and provides additional coverage for travel-related contingencies like missed flights or lost baggage.

Is any medical test required before policy issuance?

A medical test may be required for applicants above a certain age or with disclosed health conditions. In most cases, a tele-underwriting process is followed to assess eligibility.

Can a family member buy the policy on behalf of a senior citizen?

Yes, a family member can assist with the purchase as long as accurate information is provided. The policy must still be issued in the name of the senior traveller.

Can the policy be purchased at the last minute?

Yes, the policy can be bought even on the day of travel, provided the trip hasn’t started. However, it is advisable to purchase the policy in advance to avoid last-minute technical issues.

Disclaimer:

*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.

This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.

The premium mentioned for car Insurance excludes taxes for the private car model Maruti Suzuki Alto 800 with a cubic capacity of less than 1000 cc for a 1-year Own Damage Insurance policy for an IDV of ₹2,34,728. The premium used is 2,853/year as of 1 March 2023 and then converted into a per-month basis, which gives us ₹238/month (2,853/12).

The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff.

Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, age of the vehicle and addition of add-ons like Reliance Limit Sure-Pay As You Drive.