- 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 every component separately: state road tax (4–22% of ex-showroom, from verified published slabs), registration, first-year insurance estimate, the 1% TCS above ₹10 lakh, and FASTag/handling charges — plus what the same car costs in all 20 major cities. For the statutory registration fees line by line (including hypothecation and HSRP), see the RTO charges calculator below. 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 |
| GurugramHaryana | 8% | ₹11,27,000 |
| ChandigarhChandigarh | 8% | ₹11,27,000 |
| IndoreMadhya Pradesh | 8% | ₹11,27,000 |
| BhopalMadhya Pradesh | 8% | ₹11,27,000 |
| LucknowUttar Pradesh | 9% | ₹11,37,000 |
| NoidaUttar Pradesh | 9% | ₹11,37,000 |
| 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 |
| ChennaiTamil Nadu | 13% | ₹11,77,000 |
| CoimbatoreTamil Nadu | 13% | ₹11,77,000 |
| KochiKerala | 13% | ₹11,77,000 |
| HyderabadTelangana | 14% | ₹11,87,000 |
| BengaluruKarnataka | 15.4% | ₹12,01,000 |
Cheapest to costliest for your inputs. The gap between Ahmedabad and Bengaluru is ₹94,000 — 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 4–10% depending on price, while Kerala reaches 22% and Karnataka nearly 20% with cess on expensive cars. Several states still charge EVs nothing while others, like Karnataka, now tax them — 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.