Apart from being the financial capital of India, Mumbai also happens to be the biggest megacity in the country. Due to the sheer size of its population, as well as its geographical area, Mumbai is one of the most densely populated cities in the world. It’s no wonder then that the on-road traffic situation in the country is concerning. In 2022, more than 8,500 road accidents occurred in the country, with Mumbai alone accounting for a significant number.

There are various factors behind this alarming figure. Increase in the number of vehicles on the road, rapid expansion, and development of areas in and around Mumbai, and the constant roadwork in the city, may have led to the rise in cases of accidents and unsafe driving. Properly insuring yourself and your vehicle with a Motor insurance policy is important to get good financial assistance in the event of an accident. To address the issue of increasing accidents, the Mumbai RTO has introduced E-challans in the city.

Understanding E-Challans In Mumbai

E-challans are electronic challans. Unlike conventional challans, which are usually printed on paper and handed to you by the Mumbai traffic police, E-challans are sent directly to your registered mobile number. For physical challans, manpower is required at every major road and junction, which is often not at complete capacity. This creates a burden on the personnel for tracking violations, penalising drivers, and maintaining proper law and order. E-challans have an edge in this situation over physical challans.

Taking advantage of technologies such as CCTVs at every signal, junction, and bypass, and speed guns used to measure the speed of vehicles, along with the introduction of traffic drones, the Mumbai traffic authorities are constantly keeping an eye on the roads of Mumbai and tracking any violations being committed. If you commit any violation, such as running a red light, speeding or overtaking, or crashing into another vehicle and running away from the scene, it is recorded by the authorities, and you are penalised accordingly. As you are required to link your number with your vehicle’s registration number, the challan is sent directly through SMS to your number.

Types of Traffic Violations

Traffic violations in Mumbai are categorised to address various infractions:

1. Moving Violations

• Speeding: Exceeding posted speed limits.
• Running Red Lights: Failing to stop at traffic signals.
• Illegal Turns: Making prohibited turns.
• Driving Under Influence (DUI): Operating a vehicle under the influence of alcohol or a drug influence.
• Reckless Driving: Endangering others through aggressive driving.
• Lane Violations: Improper Lane changes or wrong-way driving.

2. Non-Moving Violations

• Parking Violations: Illegal or obstructive parking.
• Expired Registration: Operating with an outdated vehicle registration.
• Equipment Violations: Faulty lights, brakes, or mirrors.

3. Documentation Violations

• Driving Without Licence: Operating without a valid driving licence.
• Driving Without Insurance: Lacking a mandatory motor insurance policy.
• Driving Without Registration: Using an unregistered vehicle.

4. Pedestrian Violations

• Jaywalking: Crossing roads improperly.
• Obstructing Traffic: Impeding vehicular flow.

5. Other Specific Violations

• Not Yielding to Emergency Vehicles: Failing to give way to ambulances or fire trucks.
• Child Safety Violations: Not using appropriate child restraints.
• Using a Mobile Phone While Driving: Distracted driving due to phone use

Understanding these categories helps in adhering to Mumbai traffic rules and avoiding penalties.

Also Read: How to Check And Pay Traffic E-Challan Online

E-Challan In Mumbai: Violations And Penalties

The following is the list of violations and the penalties for them in Mumbai:

Also Read: Underage Driving Rules & Fines: A Complete Guide

E-Challans: How To Pay?

When you receive an E-challan from the Mumbai traffic authorities, you need not panic. It is quite easy to clear the pending challans in your name. If you are confused about whether you have any existing challans in your name, you can always check the status with the following steps:

• Visit the Mumbai Traffic Police website
• Select the E-challan payment option
• Click on the Challan number
• If you have the challan number, enter the same

Submitting these details will display the challan. If the challan is pending, you can pay it immediately. Do keep in mind that you get a payment period of 60 days. If you fail to pay the fine within this period, you might face legal action from the traffic authorities. It may possibly lead to the cancellation of your vehicle’s registration or your license for an indefinite period. The punishment can also include imprisonment for a certain duration. To pay your E-Challan in Mumbai, here are the steps:

• Go on the website of the Mumbai Traffic Police and select the E-challan payment
• Click the vehicle number option and enter your vehicle’s registration number
• You will be asked to enter the last 4 digits of your vehicle’s chassis/engine number

After you submit these details, you will be presented with a list of challans attached to your vehicle. If any challans have been uncleared, you have the option of paying for them on the website. Clearing them would benefit you. It can help avoid consequences on other aspects of your vehicle, such as any bike insurance online claims you might raise after an accident.*

List of Traffic Fines in Mumbai in 2025

In 2025, Mumbai implemented stringent traffic fines to enhance road safety and discipline. Key penalties include:

• Drink and Drive: ₹10,000 and/or 6 months imprisonment
• Riding Without Helmet: ₹1,000 and a 3-month licence suspension
• Driving Without a Seatbelt: ₹1,000
• Using Mobile While Driving: ₹5,000
• Driving Without Valid Licence: ₹5,000
• Triple Riding on Two-Wheeler: ₹1,000
• Driving Without Insurance: ₹2,000–₹4,000
• Driving Without Valid PUC: ₹10,000 and/or 6 months imprisonment
• Dangerous Driving: ₹5,000
• Obstructing Emergency Vehicles: ₹10,000
• Over-speeding: ₹5,000
• Traffic Violation by Minor: ₹25,000, 3 years imprisonment, and vehicle registration cancellation for 1 year
• Signal Jumping: ₹5,000

These revised fines aim to deter violations and promote safer driving practices across Mumbai. For comprehensive motor insurance solutions that comply with Mumbai traffic regulations, consider Bajaj General Insurance. We offer a range of motor insurance policies, including third-party and comprehensive plans, to ensure you're adequately covered. With a network of over 7,200 cashless garages across India, Bajaj General Insurance ensures prompt and hassle-free services for vehicle repairs and maintenance.

Staying insured not only helps you avoid hefty fines but also provides financial protection against unforeseen events on the road.

New Traffic Rules in Mumbai

Mumbai's updated traffic regulations emphasise stricter enforcement and higher penalties for violations. Key changes include increased fines for offences like speeding, drunk driving, and using mobile phones while driving. These measures aim to enhance road safety and reduce accidents across the city.

Important Traffic Rules for Four-Wheelers in Mumbai

• Seatbelts: Mandatory for all occupants.
• Speed Limits: Adhere to posted limits to avoid fines.
• Mobile Phone Use: Prohibited while driving; use hands-free devices if necessary.
• Lane Discipline: Maintain proper lanes and use indicators when changing lanes.
• Documentation: Carry a valid driving licence, registration, insurance, and PUC certificate.

Compliance with these rules ensures safety and helps avoid penalties.

Important Traffic Rules for Two-Wheelers in Mumbai

• Helmet Use: Mandatory for both rider and pillion.
• No Triple Riding: Only two persons allowed on a two-wheeler.
• Avoid Drunk Riding: Strict penalties for riding under the influence.
• Speed Limits: Adhere to prescribed speed limits.
• Documentation: Carry a valid driving licence, registration, insurance, and PUC certificate.

Following these rules and insurance from Bajaj General Insurance promotes safety and compliance with Mumbai traffic regulations.

How to Avoid Traffic Fines in Maharashtra?

• Carry Valid Documents: Always have your driving licence, vehicle registration, insurance, and PUC certificate.
• Obey Traffic Signals: Follow all traffic lights and signs.
• Avoid Mobile Use: Do not use mobile phones while driving.
• Proper Parking: Park only in designated areas.
• Regular Vehicle Maintenance: Ensure your vehicle is in good condition.
• Wear Safety Gear: Use seatbelts and helmets as required.
• Stay Informed: Keep up-to-date with current traffic rules and regulations.

Adhering to these practices helps in avoiding fines and ensures road safety.

Conclusion

If you are living in Mumbai and have E-challans issued for any violations you have committed, the information above may have helped you understand and deal with them. Clear the challans within the stipulated time and reduce the chances of any financial complications or any affiliated complications like car insurance renewal or purchase, in the future.

FAQs

What is the primary rule to be followed by every vehicle?

Every vehicle must adhere to traffic signals, speed limits, and carry valid documentation to ensure road safety and compliance.

Is it mandatory for the pillion to wear a helmet as well in Mumbai?

Yes, both the rider and pillion are required to wear helmets while riding two-wheelers in Mumbai.

Are half-helmets allowed in India?

Half-helmets are generally not recommended as they may not provide adequate protection. Full-face helmets are advised for better safety.

How to control Mumbai traffic?

Effective traffic management in Mumbai involves strict enforcement of rules, public awareness campaigns, and infrastructure improvements.

How to check if I have any pending no-parking fines in Mumbai?

You can check for pending fines by visiting the official Maharashtra E-Challan portal and entering your vehicle details.

*Standard T&C apply. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.