- Match the road-tax line first.It is the biggest add-on and a fixed percentage by law — if the dealer's figure is well above ours for your state, ask them to show the RTO computation. Our slabs are verified against state notifications (see methodology).
- Treat insurance as the negotiable line. Our estimate is a typical year-one comprehensive premium; dealers often quote higher bundles. You can buy outside the showroom — here's the math.
- Question everything not in this breakup. Handling charges, mandatory accessories and extended warranties are dealer margin, not government charges. Our dealer-quote decoder goes line by line.
- Buying a specific model? Every car on the site has a pre-computed page with exact variant-wise on-road prices — find yours from the model list or jump straight to its all-cities comparison via the On-Road Price section.
On-Road Price Calculator
Enter any ex-showroom price, pick the fuel and your city, and see the full on-road breakup — verified state road-tax slabs, an insurance estimate, TCS and charges — plus what the same car costs in all 20 major cities. Nothing stored, no sign-up.
| Ex-showroom price | ₹10,00,000 |
| Road tax & registration (Delhi, 7%) | ₹70,000 |
| Comprehensive insurance (estimate) | ₹45,000 |
| FASTag & misc charges | ₹2,000 |
| On-road price in Delhi | ₹11,17,000 |
The same car in all 20 cities
| City | Road Tax | On-Road Price |
|---|---|---|
| AhmedabadGujarat | 6% | ₹11,07,000 |
| SuratGujarat | 6% | ₹11,07,000 |
| DelhiDelhi | 7% | ₹11,17,000 |
| LucknowUttar Pradesh | 8% | ₹11,27,000 |
| NoidaUttar Pradesh | 8% | ₹11,27,000 |
| GurugramHaryana | 8% | ₹11,27,000 |
| ChandigarhChandigarh | 8% | ₹11,27,000 |
| IndoreMadhya Pradesh | 8% | ₹11,27,000 |
| BhopalMadhya Pradesh | 8% | ₹11,27,000 |
| KolkataWest Bengal | 10% | ₹11,47,000 |
| JaipurRajasthan | 10% | ₹11,47,000 |
| PatnaBihar | 10% | ₹11,47,000 |
| MumbaiMaharashtra | 11% | ₹11,57,000 |
| PuneMaharashtra | 11% | ₹11,57,000 |
| NagpurMaharashtra | 11% | ₹11,57,000 |
| KochiKerala | 11% | ₹11,57,000 |
| HyderabadTelangana | 12% | ₹11,67,000 |
| ChennaiTamil Nadu | 13% | ₹11,77,000 |
| CoimbatoreTamil Nadu | 13% | ₹11,77,000 |
| BengaluruKarnataka | 15.5% | ₹12,02,000 |
Cheapest to costliest for your inputs. The gap between Ahmedabad and Bengaluru is ₹95,000 — same car, different state taxes.
Using it against a dealer quote
Frequently Asked Questions
How is on-road price calculated from ex-showroom price?
On-road price = ex-showroom price + state road tax (a one-time percentage of ex-showroom, set by each state and usually varying by price slab and fuel) + comprehensive insurance (roughly 3.5–4.5% of ex-showroom for year one) + 1% TCS on cars above ₹10 lakh + FASTag and handling charges. It typically lands 10–20% above the sticker price.
Why is road tax different in every state?
Road tax is a state subject in India, so each state sets its own slabs. Gujarat charges a flat ~6%, Delhi 4–12.5% depending on price and fuel, while Karnataka (with cess) and Kerala exceed 20% on expensive cars. Several states also charge EVs nothing while others tax them like petrol cars — that is why the same car can cost lakhs more across a state border.
What is TCS on cars?
Tax Collected at Source: 1% of the ex-showroom price, collected by the dealer on cars priced above ₹10 lakh. It appears in your dealer quote but can be adjusted against your income-tax liability when you file returns, so it is a cash-flow cost rather than a true extra tax.
Is the insurance amount in a dealer quote negotiable?
Yes — the dealer's quoted insurance is usually a convenient bundle, not the cheapest one. You are legally free to buy insurance from any insurer. Comparing online quotes for the same IDV routinely saves ₹5,000–20,000, especially on cars above ₹10 lakh.