How CarSarthi estimates on-road prices
A car's on-road price is what you pay to drive it away: the maker's ex-showroom price plus the charges for registering and insuring it. CarSarthi's on-road figures are estimates for a new private car registered by an individual in Delhi, Mumbai, Bengaluru, Chennai and Hyderabad, built only from official rates. They are not a dealer's quote.
What every estimate includes
- The state's road tax and any other one-time charge it collects at registration (see each place below).
- The registration fee (₹600) and the registration certificate smart card (₹200) under rule 81 of the Central Motor Vehicles Rules, unless the state waives them.Source: Central Motor Vehicles Rules, 1989, rule 81 (fees), as substituted by G.S.R. 901(E) of 22 December 2022
- A FASTag (₹100): the issuance fee. The tag also needs a ₹200 security deposit and an opening balance, which are not costs and are left out.Source: IHMCL (NHAI) circular of 4 September 2024: FASTag fees for cars (VC-04)
- The compulsory 3-year third-party insurance and TCS, below.
Third-party insurance
A new car must have 3 years of third-party cover from the start. The premium is set by regulation, the same in every state, by engine size (or motor power for an electric car); hybrid electric vehicles get 7.5% off, and 18% GST is added.
| Up to 1000 cc | ₹6,521 |
|---|---|
| 1001–1500 cc | ₹10,640 |
| Above 1500 cc | ₹24,596 |
| Up to 30 kW | ₹5,543 |
|---|---|
| 31–65 kW | ₹9,044 |
| Above 65 kW | ₹20,907 |
3-year premiums before GST.
Source: Motor Vehicles (Third Party Insurance Base Premium and Liability) Rules, 2022 (G.S.R. 394(E) of 25 May 2022), Tables IV and VI and Note III; 18% GST on general insuranceTCS
The seller collects 1% of the price as tax collected at source on a car costing more than ₹10,00,000. It isn't a cost in the end: you can claim it against your income tax.
Source: Income-tax Act, 2025, section 394(1), Table, entry 6 (in force from 1 April 2026)Delhi
Rates checked on 17 October 2026.
Road tax
A one-time tax, charged as a percentage of the car's cost when it is first registered; the estimate charges it on the ex-showroom price.
| Fuel | Ex-showroom price | Road tax |
|---|---|---|
| Petrol, CNG and hybrid | Up to ₹6 lakh | 4% |
| ₹6 lakh to ₹10 lakh | 7% | |
| Above ₹10 lakh | 10% | |
| Electric | Up to ₹30 lakh (registered up to 31 March 2030) | None |
| Above ₹30 lakh | 10% | |
| Diesel | Up to ₹6 lakh | 5% |
| ₹6 lakh to ₹10 lakh | 8.75% | |
| Above ₹10 lakh | 12.5% |
Not charged: electric cars up to ₹30 lakh ex-showroom are exempt until 31 March 2030 (Delhi EV Policy 2026). Above that price an electric car pays the ordinary rate.Source: Delhi Electric Vehicle Policy 2026 (Delhi Gazette, in force from 1 July 2026), clauses 4.7.1 to 4.7.3
The Act charges a percentage of the car's cost, the same for every fuel. Diesel cars pay 25% more: the Transport Department's road tax page says “For DIESEL PROPELLED Vehicles 25% of the Applicable Tax will be Charged Extra.” (that line sits after its tables for commercial vehicles; the notification it refers to for private cars is not published on the site).Source: Transport Department, Delhi: road tax rates
Source: Delhi Motor Vehicles Taxation Act, 1962, Schedule I, Part B (Transport Department, Government of NCT of Delhi)Registration and other one-time charges
- Registration fee: ₹600 (Waived for electric cars up to ₹30 lakh (Delhi EV Policy 2026))Source: Central Motor Vehicles Rules, 1989, rule 81 (fees), as substituted by G.S.R. 901(E) of 22 December 2022
- Registration certificate (smart card): ₹200 (Waived for electric cars up to ₹30 lakh (Delhi EV Policy 2026))Source: Central Motor Vehicles Rules, 1989, rule 81 (fees), as substituted by G.S.R. 901(E) of 22 December 2022
- FASTag: ₹100Source: IHMCL (NHAI) circular of 4 September 2024: FASTag fees for cars (VC-04)
Left out for Delhi
- Delhi's one-time parking charge, which is collected for the municipal corporation when a car is registered: the Transport Department lists it among the charges but doesn't publish the amount, so CarSarthi doesn't guess it.
Mumbai (Maharashtra rates, the same across the state)
Rates checked on 21 October 2026.
Road tax
A one-time tax, charged as a percentage of the car's cost when it is first registered; the estimate charges it on the ex-showroom price.
| Fuel | Ex-showroom price | Road tax |
|---|---|---|
| Petrol and hybrid | Up to ₹10 lakh | 11% |
| ₹10 lakh to ₹20 lakh | 12% | |
| Above ₹20 lakh | 13% | |
| Diesel | Up to ₹10 lakh | 13% |
| ₹10 lakh to ₹20 lakh | 14% | |
| Above ₹20 lakh | 15% | |
| CNG | Up to ₹10 lakh | 8% |
| ₹10 lakh to ₹20 lakh | 9% | |
| Above ₹20 lakh | 10% | |
| Electric | Any (registered up to 31 March 2030) | None |
| Registered after 31 March 2030 | Not estimated |
Road safety cess: 2% of the road tax, charged with it. Maharashtra's one-time road safety cess on a newly registered car.Source: Home Department notification MVR-0716/CR-324/TR-2, 17 October 2016: road safety cess, 2% of the one-time tax (Transport Department copy)
Not charged: electric cars sold and registered in Maharashtra are exempt from motor vehicle tax under the Maharashtra EV Policy 2025 (to 31 March 2030).Source: Maharashtra Electric Vehicle Policy 2025 (Home Department GR MVR-0125/C.R.13/Tra-2, 23 May 2025), para 4.1
Maharashtra taxes diesel cars two points more than petrol and hybrid cars, and factory-fitted CNG cars less (8, 9 or 10% since 1 July 2025). These are an individual's rates, the same in Mumbai as anywhere in the state; a company-owned or imported car pays twice the rate, up to 20% of its cost, and the tax is capped at ₹30 lakh. The law charges it on the invoice cost with any discount added back; the estimate uses the ex-showroom price.Source: Maharashtra Motor Vehicles Tax Act, 1958, section 3(1D) and Third Schedule Part I (Law and Judiciary Department text as on 14 August 2024; CNG/LPG rates as amended by Mah. Act XXI of 2025 from 1 July 2025)
Registration and other one-time charges
- Registration fee: ₹600 (Not charged: battery-operated vehicles are exempt from the registration fee (rule 81 of the Central Motor Vehicles Rules; also the Maharashtra EV Policy 2025))Source: Central Motor Vehicles Rules, 1989, rule 81 (fees), as substituted by G.S.R. 901(E) of 22 December 2022
- Registration certificate (smart card): ₹200Source: Central Motor Vehicles Rules, 1989, rule 81 (fees), as substituted by G.S.R. 901(E) of 22 December 2022
- Registration certificate delivery by post: ₹58Maharashtra posts the certificate to the owner: ₹50 plus GST on the postal share (Home Department order of 21 July 2023).Source: Home Department GR MVD-0523/P.K.156/Pari-4, 21 July 2023: charges for posting registration certificates and licences
- FASTag: ₹100Source: IHMCL (NHAI) circular of 4 September 2024: FASTag fees for cars (VC-04)
Not settled by the official sources
- The tax base. Maharashtra's law defines a car's cost as the invoice price including central GST but does not list the state's own GST. CarSarthi could not confirm whether RTOs leave it out, so the estimate charges the rate on the full ex-showroom price. If they do leave it out, the road tax is about 8% lower than shown for a car with 18% GST and about 14% lower for one with 40% GST.
- Whether the ₹58 postal charge for the registration certificate is compulsory and still ₹58 (it rests on a 2023 order and the state's arrangement with India Post): the estimate includes it.
- Whether electric cars pay the ₹200 smart-card fee: the estimate charges it.
- Hybrids pay the petrol rate: the law has no row for them, and no official text names them.
Left out for Mumbai
- Maharashtra's environment tax, which is charged only on cars more than 15 years old.
- Entry tax, which is due only on a car bought outside Maharashtra.
- The Maharashtra EV Policy's purchase incentive and toll waivers for electric cars: they are not charges at registration.
Bengaluru (Karnataka rates, the same across the state)
Rates checked on 21 October 2026.
Road tax
A one-time tax, charged as a percentage of the car's cost when it is first registered; the estimate charges it on the ex-showroom price.
| Fuel | Ex-showroom price | Road tax |
|---|---|---|
| Petrol, diesel, CNG and hybrid | Up to ₹5 lakh | 13% |
| ₹5 lakh to ₹10 lakh | 14% | |
| ₹10 lakh to ₹20 lakh | 17% | |
| Above ₹20 lakh | 18% |
Cess on the road tax: 11% of the road tax, charged with it. Karnataka's 11% cess on the lifetime tax, for infrastructure, Namma Metro, rural roads and urban transport.Source: Karnataka Motor Vehicles Taxation Act, 1957, section 3A(1): cess of 11% of the tax (DPAL consolidated text, Act 12 of 2024)
Karnataka charges the same lifetime-tax rates on petrol, diesel, CNG and hybrid cars, with no separate rate for a company-owned car, plus an 11% cess on the tax and ₹1,000 for the transport workers' welfare fund. The law charges the tax on the invoice cost including GST; the estimate uses the ex-showroom price.Source: Karnataka Motor Vehicles Taxation (Amendment) Act, 2026 (Karnataka Act 29 of 2026): Schedule Part A5, lifetime tax for motor cars, in force from 1 May 2026
Not estimated for electric cars in Bengaluru yet: Karnataka's law has taxed them at 5%, 8% or 10% of the cost since 1 May 2026, but CarSarthi has not yet read an earlier government order exempting electric vehicles from tax to confirm it no longer applies.
Registration and other one-time charges
- Transport workers' welfare cess: ₹1,000Karnataka's one-time additional cess on a new car, charged since 1 February 2025.Source: Karnataka Motor Vehicles Taxation (Second Amendment) Act, 2024 (Karnataka Act 03 of 2025), section 3A(1B): ₹1,000 additional cess on a motor car, from 1 February 2025
- Registration fee: ₹600Source: Central Motor Vehicles Rules, 1989, rule 81 (fees), as substituted by G.S.R. 901(E) of 22 December 2022
- Registration certificate (smart card): ₹200Source: Central Motor Vehicles Rules, 1989, rule 81 (fees), as substituted by G.S.R. 901(E) of 22 December 2022
- FASTag: ₹100Source: IHMCL (NHAI) circular of 4 September 2024: FASTag fees for cars (VC-04)
Not settled by the official sources
- Electric cars: whether a 1 April 2024 order exempting electric vehicles from tax, and the Karnataka Clean Mobility Policy 2025-30, still exempt any electric cars after the new rates of 1 May 2026. Until both are read, Bengaluru shows no estimate for electric cars.
- Hybrids: whether the Karnataka Clean Mobility Policy 2025-30 changes their tax has not been read yet; the estimate charges them the full rate.
Left out for Bengaluru
- Karnataka's green tax, which is charged only when a car more than 15 years old is re-registered.
- The ₹200 temporary-registration tax, due only when a car needs a temporary registration; new cars are normally registered permanently at the dealer.
Chennai (Tamil Nadu rates, the same across the state)
Rates checked on 21 October 2026.
Road tax
A one-time tax, charged as a percentage of the car's cost when it is first registered; the estimate charges it on the ex-showroom price.
| Fuel | Ex-showroom price | Road tax |
|---|---|---|
| Petrol, diesel, CNG and hybrid | Up to ₹5 lakh | 12% |
| ₹5 lakh to ₹10 lakh | 13% | |
| ₹10 lakh to ₹20 lakh | 18% | |
| Above ₹20 lakh | 20% | |
| Electric | Any (registered up to 31 December 2027) | None |
| Registered after 31 December 2027 | Ordinary rates |
Not charged: battery-operated vehicles are exempt from motor vehicle tax from 1 January 2026 to 31 December 2027 (G.O.(Ms) No. 674, Home (Transport-I), 29 December 2025).Source: Government of Tamil Nadu, G.O.(Ms) No. 674, Home (Transport-I), 29 December 2025: tax exemption for battery-operated vehicles to 31 December 2027
The same rates apply to every fuel: Tamil Nadu has no diesel surcharge, and no higher rate for a second car or a company-owned car. The law charges them on the total price paid for the car, which includes GST; the estimate uses the ex-showroom price.Source: Tamil Nadu Motor Vehicles Taxation (Amendment) Act, 2023 (TN Act 30 of 2023): Third Schedule (life tax) and Sixth Schedule (road safety tax), in force from 9 November 2023
Registration and other one-time charges
- Road safety tax: ₹2,250Tamil Nadu's one-time road safety tax on a new car.Source: Tamil Nadu Motor Vehicles Taxation (Amendment) Act, 2023 (TN Act 30 of 2023): Third Schedule (life tax) and Sixth Schedule (road safety tax), in force from 9 November 2023
- Registration fee: ₹600 (Not charged: battery-operated vehicles are exempt from the registration fee (rule 81 of the Central Motor Vehicles Rules))Source: Central Motor Vehicles Rules, 1989, rule 81 (fees), as substituted by G.S.R. 901(E) of 22 December 2022
- Registration certificate (smart card): ₹200Source: Central Motor Vehicles Rules, 1989, rule 81 (fees), as substituted by G.S.R. 901(E) of 22 December 2022
- FASTag: ₹100Source: IHMCL (NHAI) circular of 4 September 2024: FASTag fees for cars (VC-04)
Not settled by the official sources
- Whether electric cars pay the ₹2,250 road safety tax. The EV order exempts them from “motor vehicle tax”, and the Act calls the road safety tax an additional tax; no official page settles it, so the estimate charges it.
- Whether electric cars pay the ₹200 smart-card fee: the estimate charges it. The ₹600 registration fee is waived for battery-operated vehicles under rule 81.
Left out for Chennai
- Tamil Nadu's green tax, which is charged only on cars more than 15 years old.
- Any service or postal charge added at registration: none is published with an amount.
Hyderabad (Telangana rates, the same across the state)
Rates checked on 21 October 2026.
Road tax
A one-time tax, charged as a percentage of the car's cost when it is first registered; the estimate charges it on the ex-showroom price.
| Fuel | Ex-showroom price | Road tax |
|---|---|---|
| Petrol, diesel and hybrid | Below ₹5 lakh | 13% |
| ₹5 lakh to below ₹10 lakh | 14% | |
| ₹10 lakh to below ₹20 lakh | 18% | |
| ₹20 lakh to below ₹50 lakh | 20% | |
| ₹50 lakh and above | 21% | |
| Electric | Any (registered up to 31 December 2026) | None |
| Registered after 31 December 2026 | Ordinary rates |
Not charged: electric cars bought and registered in Telangana up to 31 December 2026 are exempt from road tax (G.O.Ms.No.41, Transport, Roads and Buildings, 16 November 2024).Source: Government of Telangana, G.O.Ms.No.41, Transport, Roads and Buildings (Tr.I), 16 November 2024 (Telangana Gazette Extraordinary No. 328-B): EV road tax and registration fee exemption to 31 December 2026
The same rates apply to petrol, diesel and hybrid cars, with no diesel surcharge. They are the rates for a car owned by an individual (company-owned cars pay more); since 23 March 2026 an individual's second car pays the same. The law charges them on the car's cost including GST, never less than the ex-showroom price; the estimate uses the ex-showroom price.Source: Government of Telangana, G.O.Ms.No.53, Transport, Roads and Buildings (Tr.I), 13 August 2025: Sixth Schedule life tax, in force from 14 August 2025 (Transport Department's life tax page)
Not estimated for CNG cars in Hyderabad: the Transport Department's tax-exemptions page still lists a five-year tax exemption for vehicles running on battery, CNG or solar energy (G.O.Ms.No.82 of 1993), while the 2025 rate table makes no exception, and CarSarthi could not confirm which applies to a new CNG car.
Registration and other one-time charges
- Road safety cess: ₹5,000Telangana's one-time road safety cess on a new car, charged since 1 March 2026.Source: Telangana Motor Vehicles Taxation (Amendment) Act, 2026 (Act 8 of 2026), section 3-C and Ninth Schedule (road safety cess), in force from 1 March 2026 (Telangana Gazette Part-I Extraordinary No. 51)
- Registration fee: ₹600 (Waived for electric cars registered up to 31 December 2026 (G.O.Ms.No.41))Source: Central Motor Vehicles Rules, 1989, rule 81 (fees), as substituted by G.S.R. 901(E) of 22 December 2022
- Registration certificate (smart card): ₹200 (Waived for electric cars registered up to 31 December 2026 (G.O.Ms.No.41))Source: Central Motor Vehicles Rules, 1989, rule 81 (fees), as substituted by G.S.R. 901(E) of 22 December 2022
- Registration certificate service charge (0.1% of the car's cost)Telangana's user charge on a car's registration certificate, as the Transport Department publishes it.Source: Transport Department, Telangana: user fee and charges (annexure to G.O.Ms.No.51, TR&B (Tr.I), 22 July 2025), III(b) non-transport registration certificates: 0.1% of the cost of the vehicle
- FASTag: ₹100Source: IHMCL (NHAI) circular of 4 September 2024: FASTag fees for cars (VC-04)
Not settled by the official sources
- Whether electric cars pay the ₹5,000 road safety cess: the EV exemption order is older than the cess and doesn't mention it, so the estimate charges it.
- Whether the EV waiver of “registration fees” covers the ₹200 smart card: the estimate waives both, as Delhi does. The 0.1% registration certificate service charge is a separate user charge and is charged.
- The EV exemption ends on 31 December 2026 unless Telangana extends it; after that date the estimate charges the ordinary rates.
Left out for Hyderabad
- Telangana's green tax, which is charged only on cars more than 15 years old.
What is not included anywhere
- Own-damage (comprehensive) insurance and add-ons: insurers set their own prices.
- Accessories, extended warranty, service packages and any dealer handling or logistics charges.
- Discounts and offers, loans (and the hypothecation entry on the registration), and fancy registration numbers.
- Lower rates some buyers get, such as concessions for women owners where they exist: the estimate uses the standard rate.
- Personal accident cover for the owner-driver, and any GST charged on the registration fees.
Where the ex-showroom price comes from
From the maker, as each car's page says. Most makers publish a Delhi price; some name no city. CarSarthi adds each state's charges to the maker's price as published, and the page says when that price is not the city's own: a car's ex-showroom price can differ slightly from one city to another.
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