On-road price calculator for cars and two-wheelers in India
The price in a showroom advertisement is the ex-showroom price. What you actually pay — the on-road price — adds the state’s road tax, insurance, registration and number plates, FASTag and, for vehicles over ₹10 lakh, 1% tax collected at source. This on-road price calculator adds them up for a car or a bike in any state.
Road tax is worked out from the state’s own notified rates (the same ones as the road tax calculator), and the third-party insurance from the notified premium for a new vehicle. The parts that dealers and insurers price themselves — own-damage cover, registration fees and accessories — are editable example amounts. It runs in your browser and is an estimate, not a dealer quote.
How to use the On-Road Price Calculator
- Choose Car or Two-wheeler, the state and the fuel.
- Enter the ex-showroom price and the engine size (or motor power for an electric vehicle).
- Check the road tax rate; for a state without a confirmed rate, type it from the dealer or RTO.
- Replace the own-damage premium, registration and other charges with your quote.
- Read the on-road price, its break-up and the same vehicle across states.
On-Road Price Calculator features
State road tax built in
Delhi, Karnataka, Kerala, Maharashtra, Tamil Nadu, Telangana and Uttar Pradesh from their own notifications, with source and date.
Notified third-party premium
The compulsory 3-year cover for a new car or 5-year cover for a new two-wheeler, by engine size or motor power, with 18% GST.
TCS over ₹10 lakh
1% of the whole price, shown separately because you get it back as a tax credit.
Across states
The same vehicle’s road tax and on-road price in every state with confirmed rates.
What makes up the on-road price
| Item | How it is set | Example (₹8 lakh petrol car, Delhi) |
|---|---|---|
| Ex-showroom price | Manufacturer and dealer, GST included | ₹8,00,000 |
| Road tax | State schedule: a % of the price by band and fuel | 7% = ₹56,000 |
| Third-party insurance | MoRTH rules, 3 years for a new car (1,001–1,500 cc) | ₹10,640 + GST = ₹12,555 |
| Own-damage insurance | Insurer’s quote on the insured value (IDV) | ₹15,000 (example) |
| Registration, plates, FASTag | State fees and dealer charges | ₹3,000 (example) |
| TCS | 1% of the price above ₹10 lakh only | — |
| On-road price | Sum of the above | ₹8,86,555 |
How each part is calculated
Road tax is the state rate for your price band and fuel times the ex-showroom price, plus any cess — Karnataka adds 11% of the tax, so a ₹12 lakh car pays ₹2,04,000 plus ₹22,440. Above ₹10 lakh the dealer also collects 1% TCS on the whole price (₹12,000 on ₹12 lakh), which appears in your tax statement and is set against your income tax. For a ₹1 lakh 125 cc scooter in Delhi, road tax is 8% (₹8,000) and the five-year third-party premium ₹3,851 plus GST.
Own-damage cover is priced by each insurer on the vehicle’s insured value — see the IDV calculator — and registration, high-security number plates and FASTag vary by state and dealer, so those are your inputs. Then size the loan with the car loan calculator, or check what your income supports with the car affordability calculator.
On-Road Price Calculator FAQ
How is on-road price calculated?
On-road price = ex-showroom price + road tax + insurance + registration and number-plate fees + FASTag and accessories + TCS (1% if the price is over ₹10 lakh). The calculator adds these and shows each one.
Why is the on-road price different in each state?
Mainly because road tax is set by each state — from about 4% to over 20% of the price depending on the state, price band and fuel.
Is TCS on a car refundable?
TCS is not a cost: the 1% collected on a car over ₹10 lakh is credited to your PAN and reduces your income tax, or is refunded when you file your return.
How do I calculate the on-road price of a bike?
Choose Two-wheeler, enter the ex-showroom price and engine cc, and the calculator adds the state road tax and the compulsory five-year third-party premium; add own-damage cover and registration from the dealer.
Can the dealer charge handling or logistics fees?
Dealers often list extra charges; ask for an itemised quote and question anything that is not tax, insurance, registration or an accessory you asked for.
Is this the final price?
No. It is an estimate; the dealer’s invoice and the amount on the Vahan portal are final.