On-Road Car Prices in Kolkata - February 2026

Buying a car in Kolkata means accounting for several cost components beyond the ex-showroom price. The on-road price is the actual amount you pay to drive the car home, and it includes ex-showroom price, West Bengal road tax, RTO registration and processing charges, and a comprehensive or third-party insurance premium. For many buyers, this total can be anywhere from eight to fifteen percent higher than the listed ex-showroom figure, depending on the segment and specifications of the vehicle.

West Bengal applies road tax as a percentage of the vehicle's ex-showroom price, and the rate varies based on factors such as the cost of the car, its fuel type, and engine capacity. Vehicles in lower price brackets generally attract a lower tax percentage, while premium and luxury cars are taxed at higher rates. This tiered approach means that two cars with similar ex-showroom prices but different fuel types or engine sizes could end up with noticeably different on-road costs in Kolkata. Buyers considering electric vehicles should check for any applicable concessions, as state policies around EV taxation have been evolving.

The RTO registration process in Kolkata is handled through the regional transport offices under the West Bengal Transport Department. Registration charges include a fixed fee along with costs for number plate issuance and road tax payment. The process has been increasingly digitized through the Parivahan and Vahan portals, though dealerships in Kolkata typically handle the paperwork on your behalf as part of the on-road package. Temporary registration is issued first, followed by permanent registration with a WB-prefix number.

Insurance is the other significant variable in on-road pricing. A third-party liability policy is mandatory, but most buyers opt for comprehensive coverage. Insurance premiums depend on the car's insured declared value, engine cubic capacity, and the chosen add-on covers. A small hatchback will naturally cost less to insure than a large SUV, and this gap widens as you add features like zero depreciation or roadside assistance.

When comparing on-road prices across models in Kolkata, focus on the total cost rather than just the ex-showroom number. A car that appears cheaper on paper might close the gap once road tax and insurance are factored in. Use this page to evaluate all available models side by side, filter by budget or body type, and arrive at a realistic ownership cost before making your decision. Kolkata dealerships occasionally offer city-specific promotions or exchange bonuses, so checking the latest offers alongside on-road prices gives you the most complete picture.