On-Road Car Prices in Ludhiana - February 2026

Ludhiana, one of Punjab's largest and most commercially vibrant cities, has a thriving automobile market driven by its industrial economy and a strong culture of personal vehicle ownership. When you set out to buy a car here, the on-road price is what you actually pay at the dealership, and it is always higher than the advertised ex-showroom price. Understanding the breakup of this on-road figure is essential before you walk into any showroom in Ludhiana.

The on-road price of any car in Ludhiana comprises four main components. First is the ex-showroom price, which includes the base cost of the vehicle plus GST and the manufacturer's margin. Second is the road tax levied by the Punjab government, which is calculated as a percentage of the vehicle's ex-showroom price or invoice value. Punjab follows a slab-based road tax system where the percentage generally increases with the price of the vehicle. Cars in lower price brackets attract a relatively modest tax rate, while luxury and high-end vehicles are taxed at a notably higher percentage. This means two cars with a small difference in ex-showroom price can sometimes fall into different tax slabs, leading to a noticeable gap in on-road costs.

The third component is the RTO registration charge, paid to the Regional Transport Office in Ludhiana when the vehicle is registered under the PB-10 series. This includes the registration fee, number plate cost, and a hypothecation charge if you are financing the car through a loan. The Ludhiana RTO process typically involves document verification, payment of applicable fees, and issuance of a temporary registration that is later replaced by a permanent certificate. Dealers usually handle this process on your behalf, but it helps to be aware of the steps involved. The fourth component is the motor insurance premium, which is split into a mandatory third-party liability cover and an optional comprehensive or own-damage cover. Insurance costs vary based on the car's insured declared value, engine cubic capacity, chosen add-ons, and the insurer.

For buyers in Ludhiana comparing multiple models, the practical approach is to look beyond ex-showroom figures and focus on the total on-road price. A car that appears cheaper on paper might end up costing more on-road due to a higher road tax slab or a pricier insurance bracket. Diesel and petrol variants of the same model can also differ in on-road cost because of varying ex-showroom pricing and insurance calculations. Electric vehicles may benefit from certain state-level incentives in Punjab, potentially lowering the effective on-road cost compared to their ICE counterparts.

Use the on-road prices listed on this page to make a like-for-like comparison across every car available in Ludhiana. Checking these figures before visiting a dealership gives you a realistic budget expectation and stronger ground for negotiation.