On-Road Price Calculator
Estimate a car or bike's on-road price: road tax, RTO, insurance, FASTag and TCS
| Item | Amount |
|---|---|
| Ex-showroom price | ₹8,00,000 |
| Road tax (10%) | ₹80,000 |
| Registration & RTO charges | ₹2,500 |
| Insurance | ₹35,000 |
| FASTag | ₹500 |
| On-road price (estimate) | ₹9,18,000 |
Runs entirely in your browser. Nothing you type or upload is sent to us or stored.
Results are for general guidance. Please check anything important before relying on it. Terms of use
How to Use
- Choose Car or Two-wheeler and enter the ex-showroom price from the dealer's quote or the maker's website. Turn on Electric vehicle if it is one.
- Enter the road tax % for your state and price band. Get it from your state transport department's website or the dealer's RTO breakup.
- Enter the registration & RTO charges, insurance quote and, for a car, FASTag.
- Add any accessories or extended warranty you want, and any handling charge the dealer has quoted, so you can see what it adds.
- The estimated on-road price, the itemised breakup and the chart update as you type. TCS is added automatically when the price is above ₹10 lakh.
Ex-showroom vs on-road price
The price in a car or bike advertisement is usually the ex-showroom price: the vehicle itself, including GST. Before you can drive it on the road you also pay road tax and registration charges to the state, buy insurance, and for a car, a FASTag. The total is the on-road price, and it's often 10–20% more than the ex-showroom price. This on-road price calculator builds an itemised estimate from the figures you enter, so you can check a dealer's quote line by line.
How the estimate is built
+ insurance + FASTag + accessories / extended warranty + handling (if any)
+ TCS (1% of the price, only if the price is above ₹10 lakh)
Worked example
| Item | ₹8 lakh car | ₹12 lakh car |
|---|---|---|
| Ex-showroom price | ₹8,00,000 | ₹12,00,000 |
| Road tax (example: 10% / 12%) | ₹80,000 | ₹1,44,000 |
| Registration & RTO charges (example) | ₹2,500 | ₹2,500 |
| Insurance (example quote) | ₹35,000 | ₹35,000 |
| FASTag | ₹500 | ₹500 |
| TCS at 1% | Not applicable | ₹12,000 |
| On-road price | ₹9,18,000 | ₹13,94,000 |
The road tax rates above are only examples to show the arithmetic, not any particular state's rate.
Road tax: why there's no state preset
Motor vehicle tax is set by each state, usually as a one-time "lifetime" tax for private vehicles, and it depends on the price band, fuel type, engine size, whether the owner is an individual or a company, and sometimes a separate cess. States revise these rates in their budgets, and many waive or cut road tax for electric vehicles under their EV policies. A built-in figure could easily be out of date, so the calculator asks you for the rate. Find it on your state transport department's website, on parivahan.gov.in, or in the dealer's itemised RTO breakup.
TCS on vehicles above ₹10 lakh
When a motor vehicle's sale price is more than ₹10 lakh, the dealer must collect tax collected at source (TCS) of 1% of the full price and deposit it against your PAN. This was section 206C(1F) of the Income-tax Act, 1961 and continues under section 394 of the Income-tax Act, 2025 from 1 April 2026, with the same 1% rate for motor vehicles (checked October 2026). TCS isn't an extra cost. It shows up in your Form 26AS/AIS, and you claim it against your income tax in your return or get it refunded. That's why the calculator also shows the "real cost after TCS credit".
Charges to question
- Handling or logistics charges are not a government tax or RTO fee. Transport departments in several states, including Delhi, Kerala and Assam, have acted against dealers who collect them. Ask for it to be removed, or at least itemised.
- Insurance from the dealer is convenient, but you don't have to buy it there. New cars need 3-year and new two-wheelers 5-year third-party cover. Compare the own-damage premium with other insurers.
- Accessories and extended warranty are optional. Decide on them separately from the vehicle price.
- Registration charges should match the RTO receipt. They include the registration certificate fee, smart card, high-security number plate and, on a loan, the hypothecation fee. Battery-operated vehicles are exempt from the central registration certificate fee (Central Motor Vehicles Rules, amended 2021).
Everything here is an estimate from your inputs. Confirm the final figures with the dealer's itemised quote and your RTO before you pay.