Car On-road Price Estimator

Estimate what you'll really pay for a car — ex-showroom price plus road tax, registration, insurance, TCS and extras.

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₹50,00,000
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Road tax varies by state, fuel and price — often 4–15%, lower for EVs in many states. Ask the dealer for your exact RTO figure.

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Estimated on-road price—
Calculate the EMI for this price →

Estimate a car's on-road price

The price in the advertisement is the ex-showroom price — what you actually pay is theon-road price, often 10–20% higher. This estimator adds the usual components: state road tax, registration and number-plate fees, first-year insurance, TCS for cars over ₹10 lakh, FASTag and any optional extras. Use it to check a dealer's quotation line by line and spot charges you can negotiate or skip.

How to use it

  1. Enter the ex-showroom price of the exact variant.
  2. Set your state's road tax percentage and the RTO fees from the dealer's quote.
  3. Add the insurance premium and any optional extras.

What you can negotiate

  • Insurance: you may buy it from any insurer — compare quotes online.
  • Accessories: dealer packs are optional and often cheaper outside.
  • Handling charges: not a government levy; question them if they appear.

Example

A car with an ex-showroom price of ₹12 lakh in a state with 10% road tax: road tax ₹1,20,000, RTO fees ₹6,000, insurance ₹40,000, TCS ₹12,000 and FASTag ₹500 — an on-road price of about₹13.79 lakh. The ₹12,000 TCS can later be claimed back against your income tax. Financing it? Plug the total into the car loan EMI calculator.

Frequently asked questions

What is included in the on-road price of a car?
The ex-showroom price (which already includes GST), plus road tax, registration and number-plate fees at the RTO, first-year insurance, and often TCS, FASTag, accessories and an extended warranty. Accessories and extended warranty are optional — you can refuse or buy them elsewhere.
How much is road tax on a car?
It is set by each state and depends on the price, fuel type and sometimes engine size — commonly somewhere between about 4% and 15% of the ex-showroom price, with lower rates or exemptions for electric vehicles in many states. Ask the dealer for the exact RTO amount or check your state transport department.
What is TCS on a car purchase?
Tax Collected at Source of 1% is charged when the car’s price is above ₹10 lakh. It isn’t an extra cost in the end: it appears in your Form 26AS/AIS and can be claimed against your income tax or as a refund.
How can I reduce the on-road price?
Compare insurance quotes instead of taking the dealer’s policy, skip accessory packs you don’t need, ask about year-end and exchange offers, and check whether an EV or a lower-tax variant changes the road tax.

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