Car On Road Price Calculator

On-road price of popular cars

Base-variant on-road estimates in Delhi, Mumbai, Bangalore, computed with the same tax engine as the calculator — as of July 2026. Linked cells open the full city page with every variant and dealer details.

Base variant, individual registration, no loan. Higher variants and loan registrations cost more — run them through the calculator above.

How to calculate on road price from ex-showroom price

Every on-road quote is the ex-showroom price plus six kinds of add-ons, and only two of them are fixed by the car itself. Here is what each line in the breakdown above means:

• Road tax — a one-time state tax, charged as a percentage of ex-showroom price that rises by price band and often differs by fuel. The single biggest add-on.
• Cesses — some states bolt named levies (safety cess, infrastructure cess) onto the road tax; the calculator applies them only where the state actually charges them.
• Registration, smart card & HSRP — fixed RTO fees for the registration certificate, the card itself and the tamper-proof number plate. A hypothecation fee is added only when the car is financed.
• TCS — 1% collected by the dealer on cars priced above ₹10 lakh ex-showroom, adjustable against your income tax.
• Insurance — the mandatory 3-year third-party cover plus first-year own damage, PA cover and GST.
• City & dealer charges — a few cities levy their own fee (Delhi's MCD parking charge, for instance), and dealers add FASTag, handling and accessories — the negotiable end of the bill.

If you are still comparing cars rather than pricing one, browse the on road price directory for model-by-model, city-by-city pages, or read the ex-showroom vs on-road explainer for the concepts in depth.

State-wise road tax: why the same car costs more next door

Road tax is set by each state, not by the carmaker — so the identical variant can carry a visibly different on-road price across a state border.

Take the worked example above (₹10.72 Lakh petrol): Delhi charges ₹1,07,200, Karnataka charges ₹1,82,240, Maharashtra charges ₹1,28,640 in road tax alone — the widest gap here is ₹21,440 before insurance or a single dealer charge enters the bill.

To see just the RTO side for every state — slabs, cesses and registration fees, with up to three states side by side — use the road tax calculator. For a specific model in a specific city, the on road price pages carry the full local quote.

The TCS rule: 1% only above ₹10 lakh

Tax Collected at Source applies only when the ex-showroom price is strictly above ₹10 lakh — at exactly ₹10,00,000 there is no TCS, one rupee more and the dealer must collect 1% of the full price. On a ₹12.00 Lakh car that is ₹12,000, paid upfront. It is not money lost: TCS shows up in your Form 26AS and offsets your income-tax liability when you file, so treat it as a cash-flow item rather than a cost.

First-year insurance: what sits inside the dealer's bundle

The insurance line is really four: a 3-year third-party premium (mandatory on new cars, price fixed by IRDAI notification per engine or motor size), one year of own-damage cover computed on the car's declared value, a personal-accident cover, and 18% GST on the lot. In the worked example above the bundle comes to ₹52,414 of the on-road total. Only the third-party part is non-negotiable — own-damage premiums differ meaningfully across insurers, and you are free to buy the policy outside the showroom.

Charges you can negotiate

• Handling / logistics charges — not legally mandatory; consumer courts have struck them down. Refuse, politely.
• Accessories kit — optional by definition. Take only what you would buy anyway, or drop it.
• Extended warranty — sometimes worth it, never at sticker price. Price it as a separate decision.
• Insurance — the dealer's bundle is convenient, not compulsory; an outside quote is your leverage even if you stay.
• FASTag — mandatory on new cars, but it is a small issuing fee, not a profit line. Pay it and move on.

Road tax, registration fees and TCS are government money — no dealer can discount them. For the actual scripts and sequencing that work in the showroom, see how to negotiate car prices at the dealership.

More Free Car Calculators