On-Road Car Prices in Navi Mumbai - February 2026

Navi Mumbai, with its well-planned road network connecting nodes like Vashi, Kharghar, Panvel, and Airoli, has become one of Maharashtra's fastest-growing car markets. Buyers here benefit from multiple dealership options spread across the city and nearby Mumbai, which often leads to competitive offers. However, the on-road price you pay is determined not just by dealer discounts but by a structured set of government levies and mandatory costs that apply uniformly across the state.

The on-road price of any car in Navi Mumbai is built on four main components. The ex-showroom price is the base cost set by the manufacturer and includes GST and the manufacturer's margin. On top of this, Maharashtra levies a road tax that is calculated as a percentage of the vehicle's invoice value. For most personal-use cars, this tax tends to range from around 7 percent for smaller, more affordable vehicles to higher percentages for premium and luxury models. Electric vehicles currently enjoy significantly reduced road tax rates as part of the state's push toward cleaner mobility. This percentage-based approach means that as the ex-showroom price of a car rises, the absolute road tax amount climbs proportionally, widening the gap between budget and premium segments at the on-road level.

RTO registration charges in Navi Mumbai are handled by the Navi Mumbai RTO under the MH-46 series, though some areas fall under the Panvel RTO with the MH-06 code. Registration involves paying a fixed fee along with the road tax, and the process includes document verification, number plate assignment, and issuance of the registration certificate. Most dealerships handle this end-to-end, but it is worth confirming which RTO jurisdiction your address falls under, as this determines your registration series.

Insurance is another significant component of the on-road price. Third-party liability insurance is mandatory by law, while most buyers opt for a comprehensive policy that also covers own damage. Insurance premiums depend on the car's declared value, engine capacity, and chosen add-on covers. A sub-four-meter hatchback will naturally attract a lower premium than a full-size SUV, adding another layer of variation to the final on-road figure.

When comparing on-road prices of different models in Navi Mumbai, focus on the total cost rather than just the ex-showroom number. Two cars with similar ex-showroom prices can end up with noticeably different on-road figures due to differences in insurance grouping, accessory packages bundled by the dealer, and extended warranty costs. Always ask for a detailed on-road price breakup from the dealership and cross-check the road tax and RTO charges against official rates to ensure transparency in your purchase.