On-Road Car Prices in Thane - February 2026
On-road car prices in Thane depend on a mix of factors including the ex-showroom cost, Maharashtra's road tax structure, RTO registration fees, and insurance premiums. Whether you are eyeing a compact hatchback or a full-size SUV, the final on-road figure can shift significantly based on engine type, fuel choice, and vehicle segment. This page brings together on-road prices for all car models available in Thane, helping you compare costs side by side before heading to a dealership.
Read more about on-road pricing in Thane
Understanding on-road car prices in Thane starts with knowing what goes into the final amount you pay at the dealership. The on-road price is not the same as the ex-showroom price printed in brochures. It includes the ex-showroom cost set by the manufacturer, road tax levied by the Maharashtra state government, registration charges collected by the Thane RTO, a mandatory insurance premium, and smaller additions like fastening charges, hypothecation fees if you are taking a loan, and an extended warranty if you opt for one. Together, these components can push the on-road price anywhere from eight to fifteen percent above the ex-showroom figure depending on the vehicle category.
Maharashtra follows an ad valorem road tax system, meaning the tax is calculated as a percentage of the vehicle's price. For most passenger cars, this percentage varies based on the invoice value and the fuel type. Vehicles with a higher ex-showroom price tend to attract a steeper tax slab, so the gap between on-road and ex-showroom prices widens as you move from budget hatchbacks to premium SUVs and luxury sedans. Electric vehicles currently enjoy a more favourable tax treatment in Maharashtra, making them relatively more affordable on a percentage basis compared to their petrol or diesel equivalents.
The Thane RTO, which operates under the MH-04 series, handles vehicle registration for buyers residing in Thane city and surrounding areas. The registration process involves document verification, payment of road tax and registration fees, and issuance of a number plate. If you finance your car through a bank or NBFC, a hypothecation endorsement is added to the registration certificate. Processing typically takes a few working days, though temporary registration lets you drive the car home immediately after purchase.
Insurance is another significant component. Third-party liability insurance is mandatory by law, but most buyers opt for a comprehensive policy that also covers own damage. The premium depends on the car's insured declared value, the engine cubic capacity, and any add-on covers you select. Newer and costlier vehicles naturally attract higher premiums, which further inflates the on-road price.
When comparing on-road prices across different models in Thane, focus on the total cost rather than just the ex-showroom tag. Two cars with similar sticker prices can end up with noticeably different on-road figures because of variations in insurance grouping, road tax slabs, and accessory packages bundled by dealers. Requesting a detailed on-road price breakup from multiple dealerships in Thane is the simplest way to ensure you are making an informed decision and not overpaying on any single line item.
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Suv
Hyundai Creta
₹12.68 Lakh - ₹24.38 Lakh On-road price
Suv
Hyundai Venue
₹9.34 Lakh - ₹18.81 Lakh On-road price
Frequently Asked Questions - On-Road Prices in Thane
What is included in the on-road price of a car in Thane?
The on-road price includes the ex-showroom cost, Maharashtra road tax, RTO registration and number plate charges, mandatory insurance premium, and any dealer-level handling or logistics fees. If you take a car loan, a hypothecation charge is also added. Together these items make up the complete amount you pay to drive the car home.
How is road tax calculated for cars in Maharashtra?
Maharashtra uses an ad valorem method where road tax is charged as a percentage of the vehicle's invoice value. The applicable percentage varies depending on the price bracket and fuel type of the car. Higher-priced vehicles generally fall into steeper tax slabs, so road tax forms a larger share of the on-road price for premium models.
Which RTO handles car registration in Thane?
Car registrations in Thane city are handled by the Thane RTO under the MH-04 registration series. The office processes document verification, road tax collection, and number plate issuance. Buyers typically receive a temporary registration immediately and the permanent registration certificate within a few working days.
Does insurance significantly affect on-road prices in Thane?
Yes, insurance is one of the larger components after road tax. A comprehensive policy covering both third-party liability and own damage can add a noticeable amount to the on-road price, especially for cars with higher engine capacity or a greater insured declared value. Comparing insurer quotes can help reduce this cost.
How can I compare on-road prices of different car models in Thane?
Request a complete on-road price breakup from dealerships for each model you are considering. Compare individual line items like road tax, insurance, and accessory charges rather than just the total figure. This approach reveals where costs differ and helps you negotiate or eliminate unnecessary additions effectively.
Are electric car on-road prices lower than petrol or diesel cars in Thane?
Electric vehicles currently benefit from reduced road tax rates in Maharashtra, which brings their on-road premium down relative to the ex-showroom price. Insurance for EVs can also be competitive. However, the ex-showroom price of many EVs remains higher than comparable petrol or diesel models, so total savings depend on the specific cars being compared.
