Know the real on-road price & EMI of any car
The ex-showroom sticker is only the start. Pick a model to see its exact on-road price — variant prices, state-wise road tax, insurance and TCS — and the monthly EMI for your down payment, rate and tenure.
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How car on-road price & EMI work
The on-road price is what you actually pay to drive a car home: the ex-showroom price plus road tax, first-year insurance, 1% TCS on cars above ₹10 lakh (creditable against your income tax), and registration and FASTag charges. The single biggest variable is road tax, which each state sets on a slab basis — from about 6% in Gujarat to 20–22% in Tamil Nadu and Kerala — so the same car can cost one to two lakh more on-road in one state than another.
Your EMI is then calculated on the financed amount (on-road price minus your down payment) using the reducing-balance formula. A larger down payment and a shorter tenure both cut your total interest. Use the car loan EMI calculator to model the loan, the prepayment calculator to see how part-payments shrink interest, and the loan rates page to compare current car loan rates before you buy. Still deciding whether to finance at all? Read our car loan vs outright purchase analysis.
Frequently Asked Questions
What is the on-road price of a car in India?
The on-road price is the ex-showroom price plus road tax (RTO), first-year insurance, 1% TCS on cars above ₹10 lakh, and registration/FASTag charges. It is typically 15–30% higher than the ex-showroom price, driven mostly by your state’s road tax.
How much road tax do I pay on a car?
Road tax is set by each state and is slab-based on the ex-showroom price. For most cars it ranges from about 6% in Gujarat to 20–22% in Tamil Nadu and Kerala, with several states taxing diesel higher than petrol and adding small cesses on top.
How is car loan EMI calculated?
Car loans use the reducing-balance EMI formula: EMI = P×r×(1+r)^n / ((1+r)^n−1), where P is the loan amount, r the monthly interest rate and n the number of months. Use our car loan EMI calculator to compute it for your loan.
Which cars avoid the 1% TCS?
The 1% TCS under Section 206C(1F) applies only to cars with an ex-showroom price above ₹10 lakh. Many hatchbacks and entry SUV variants priced below ₹10 lakh — such as the Baleno, Dzire, Punch and base Venue/Sonet trims — pay no TCS. Where it applies, the TCS is creditable against your income tax.
Which state has the lowest car road tax?
Among the major markets, Gujarat has the lowest road tax (a flat ~6%), while Tamil Nadu and Kerala (up to 20–22%) and Karnataka (14–18% by slab) are among the highest. The difference can be one to two lakh rupees on a midsize SUV.