Your State (RTO Road Tax)
β
Road tax varies hugely by state β from ~6% in Gujarat to up to 20% in Karnataka. 14 states still give 100% road-tax exemption on EVs (as of 2026).
Pick Your Car
β
Ex-showroom price
Adjust for your exact variant
βΉ3LβΉ1 Cr
Fuel type
β½ Petrol
π’οΈ Diesel
π¨ CNG
π Electric
Car size (for GST info)
Small = β€4m and β€1200cc petrol / β€1500cc diesel
Small car (18% GST)
Large / SUV (40% GST)
Insurance, Fees & Extras
First-year insurance
Comprehensive + mandatory 3-yr third party
2% (high NCB transfer)6% (zero-dep + addons)
Accessories & add-ons
Mats, covers, infotainment, extended warrantyβ¦
βΉ0βΉ3L
TCS (1% if ex-showroom > βΉ10L)
β
Sec 206C(1F) β adjustable against your income tax
Registration + HSRP + FASTag
β
+ βΉ1,500 hypothecation if on loan
GST inside your price
β
18% (small car, GST 2.0 since Sept 2025)
Road tax for your config
β
of ex-showroom price
How Much Will You Drive?
Monthly running
Indian average is ~1,000β1,200 km/month
200 km6,000 km
Mileage / efficiency
km per litre
435
How long will you keep it?
3 yrs10 yrs
Total on-road price
βΉ0
β
Ex-showroom
β
Road tax
β
Insurance
β
Fees + extras
β
On-Road Price Breakdown
Car Loan EMI
Loan coverage
0% (full cash)100%
Interest rate (p.a.)
7%15%
Loan tenure
1 yr8 yrs
Monthly EMI
β
β
Loan amount
β
Total interest
β
Fuel Prices In Your City
Auto-set from your state
Petrol (βΉ/litre)
βΉ90βΉ125
Diesel (βΉ/litre)
βΉ80βΉ115
CNG (βΉ/kg)
βΉ60βΉ110
Electricity (βΉ/unit, home charging)
βΉ3 (solar/night tariff)βΉ25 (public DC fast)
Maintenance & Other Yearly Costs
Annual service & maintenance
EVs cost 40β60% less to maintain
βΉ2KβΉ60K
Insurance renewal / year (yr 2 onwards)
βΉ4KβΉ1.2L
Fuel Type Comparison
Monthly fuel/energy cost for β at your prices, using typical efficiency for this segment:
Extra upfront cost payback
5-Year Running Cost
π‘ Note: Fuel prices assumed to rise ~4%/year (historical average). Service costs rise as the car ages β years 4β5 typically cost 2Γ the early years once the warranty ends.
Multi-Bank Car Loan Comparison
Rates as of mid-2026
Amortisation Summary
Smart Car Loan Tips
Depreciation & Resale Value Forecast
β
Insurance IDV Schedule (IRDAI)
IDV (Insured Declared Value) is the maximum claim amount if your car is stolen or totalled. IRDAI's standard depreciation schedule:
| Car age | IDV depreciation | Your car's IDV |
|---|
Resale Value Tips
Cab Assumptions
Average cab fare (βΉ per km, all-in)
Ola/Uber city average incl. surge & waiting β βΉ20β26/km
βΉ12βΉ40
Monthly Cost: Own vs Cab
Break-even point
Beyond money: Owning means door-to-door convenience, luggage space, family trips and emergencies at 2 AM. Cabs mean zero parking stress, no maintenance and no depreciation. The numbers are only half the decision.
Same Car, Different State
On-road price of your car (β ex-showroom, petrol) across states:
Fuel Type β 5-Year Total Cost
Same car, four powertrains β upfront premium, fuel and service over 5 years at your monthly running:
Popular Cars β Quick Compare
Complete Car-Buying Checklist
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