Maruti Suzuki Swift On-Road Price in Karnataka (2026)
₹6,95,208 to ₹10,53,583 on-road across 14 variants, including Karnataka road tax, insurance and registration. Karnataka is the most expensive of 8 major states to register this car.
Ex-showroom prices verified August 2026 · Road tax slabs as of June 2026
Maruti Suzuki Swift
India's favourite hot-selling hatchback — peppy 1.2 petrol and factory CNG.
On-Road Price & EMI Calculator
Pick your variant and state to see the on-road breakdown and monthly EMI.
Interest is 37% of the amount you borrow over 7 years. A bigger down payment or shorter tenure lowers it — adjust the sliders to compare.
Buttons carry your current loan amount, rate and tenure into the full calculators.
Estimates only. Road-tax slabs (as of June 2026), insurance and dealer charges vary — confirm the final on-road price with your RTO and an authorised dealer.
Results are indicative only. Actual EMI may vary based on your lender's rounding method, processing date, stub-period interest, and applicable fees. Always verify with your bank or NBFC before making a financial decision. See our disclaimer for full details.
Maruti Suzuki Swift Variant Prices in Karnataka
Every variant with Karnataka road tax applied. The EMI column assumes a 20% down payment on the on-road price and a 7-year loan at 9.5% — adjust any of those in the calculator above, or model a different loan entirely in the car loan EMI calculator.
| Variant | Ex-showroom | Road tax (Karnataka) | On-road | EMI (7yr) |
|---|---|---|---|---|
| LXi Petrol MT | ₹5,78,900 | ₹81,046 (14%) | ₹6,95,208 | ₹9,090 |
| VXi Petrol MT | ₹6,62,900 | ₹92,806 (14%) | ₹7,93,908 | ₹10,380 |
| VXi Opt Petrol MT | ₹6,88,900 | ₹96,446 (14%) | ₹8,24,458 | ₹10,780 |
| VXi Petrol AMT | ₹7,07,900 | ₹99,106 (14%) | ₹8,46,783 | ₹11,072 |
| VXi Opt Petrol AMT | ₹7,33,900 | ₹1,02,746 (14%) | ₹8,77,333 | ₹11,471 |
| VXi CNG | ₹7,52,400 | ₹1,05,336 (14%) | ₹8,99,070 | ₹11,756 |
| ZXi Petrol MT | ₹7,56,900 | ₹1,05,966 (14%) | ₹9,04,358 | ₹11,825 |
| VXi Opt CNG | ₹7,78,400 | ₹1,08,976 (14%) | ₹9,29,620 | ₹12,155 |
| ZXi Petrol AMT | ₹8,01,900 | ₹1,12,266 (14%) | ₹9,57,233 | ₹12,516 |
| ZXi Plus Petrol MT | ₹8,23,900 | ₹1,15,346 (14%) | ₹9,83,083 | ₹12,854 |
| ZXi Plus DT Petrol MT | ₹8,38,900 | ₹1,17,446 (14%) | ₹10,00,708 | ₹13,084 |
| ZXi CNG | ₹8,46,400 | ₹1,18,496 (14%) | ₹10,09,520 | ₹13,200 |
| ZXi Plus Petrol AMT | ₹8,68,900 | ₹1,21,646 (14%) | ₹10,35,958 | ₹13,545 |
| ZXi Plus DT Petrol AMT | ₹8,83,900 | ₹1,23,746 (14%) | ₹10,53,583 | ₹13,776 |
What Makes Up the On-Road Price in Karnataka
Taking the ZXi Petrol MT at ₹7,56,900 ex-showroom, here is exactly what Karnataka adds on top:
| Component | Amount | Basis |
|---|---|---|
| Ex-showroom price | ₹7,56,900 | Manufacturer price, Delhi |
| Karnataka road tax | ₹1,05,966 | 14% of ex-showroom (petrol) |
| Insurance (first year) | ₹26,492 | ~3.5% comprehensive, estimate |
| Registration & handling | ₹15,000 | RTO fee, HSRP, FASTag |
| On-road price | ₹9,04,358 | Total payable |
Karnataka note: Among the highest in India; +11% cess on the tax plus a welfare cess. EVs exempt.
TCS is not a cost — it is tax collected at source and is creditable against your income tax liability when you file your return. The road tax, however, is a genuine sunk cost and it is the single largest state-level variable in the price you pay.
The Slab Trap in Karnataka
Karnataka applies road tax in price slabs, not as a flat percentage. The ZXi Petrol MT sits above the ₹5,00,000 slab boundary, so it is taxed at 14% rather than the 13% that applies below that line. A variant priced just under ₹5,00,000 attracts meaningfully less tax — which means the cheaper variant can save you more than the sticker difference suggests. Worth checking before you commit to a higher trim for one or two features.
Swift On-Road Price: Karnataka vs Other States
The same ZXi Petrol MT, registered in eight different states. The spread between the cheapest and dearest is ₹60,552 — on an identical car:
| State | Road tax | On-road price | vs Karnataka |
|---|---|---|---|
| Gujarat | ₹45,414 (6%) | ₹8,43,806 | −₹60,552 |
| Delhi | ₹52,983 (7%) | ₹8,51,375 | −₹52,983 |
| Uttar Pradesh | ₹60,552 (8%) | ₹8,58,944 | −₹45,414 |
| Rajasthan | ₹60,552 (8%) | ₹8,58,944 | −₹45,414 |
| Maharashtra | ₹83,259 (11%) | ₹8,81,651 | −₹22,707 |
| Telangana | ₹90,828 (12%) | ₹8,89,220 | −₹15,138 |
| Tamil Nadu | ₹98,397 (13%) | ₹8,96,789 | −₹7,569 |
| Karnataka (this page) | ₹1,05,966 (14%) | ₹9,04,358 | — |
You must register a vehicle in the state where you ordinarily reside, so this table is not a shopping list — it is context for what you are actually paying, and it matters if you are about to relocate. Moving a car to a new state means re-registering there and paying that state's road tax again, with only a partial refund of the original. Factor that in before an inter-state move.
Financing the Swift in Karnataka
At ₹9,04,358 on-road, the loan maths on the ZXi Petrol MT:
| Down payment | Loan amount | EMI (7yr @ 9.5%) | Total interest |
|---|---|---|---|
| 10% (₹90,436) | ₹8,13,922 | ₹13,303 | ₹3,03,507 |
| 20% (₹1,80,872) | ₹7,23,486 | ₹11,825 | ₹2,69,784 |
| 30% (₹2,71,307) | ₹6,33,051 | ₹10,347 | ₹2,36,061 |
| 40% (₹3,61,743) | ₹5,42,615 | ₹8,868 | ₹2,02,338 |
A larger down payment cuts both the EMI and the total interest. Before committing, check what you can comfortably service with the loan eligibility calculator, and compare offers from different lenders on the loan comparison tool. If you are weighing a car loan against paying cash, read car loan vs outright purchase.
Frequently Asked Questions
What is the on-road price of the Maruti Suzuki Swift in Karnataka?
In Karnataka the Maruti Suzuki Swift costs between ₹6,95,208 and ₹10,53,583 on-road, depending on variant. That covers the ex-showroom price, Karnataka road tax at 14% for the ZXi Petrol MT, first-year comprehensive insurance (roughly 3.5% of ex-showroom), registration and handling of about ₹15,000, plus 1% TCS where the ex-showroom price exceeds ₹10,00,000.
How much is road tax on the Swift in Karnataka?
Karnataka charges 14% road tax on the ZXi Petrol MT, which works out to ₹1,05,966. Road tax in India is slab-based on ex-showroom price and several states levy a different rate on diesel, CNG and electric vehicles. Among the highest in India; +11% cess on the tax plus a welfare cess. EVs exempt. Rates are as of June 2026 — confirm with your local RTO before purchase.
Is the Swift cheaper to register in another state?
Gujarat is the cheapest of the 8 states compared here at ₹8,43,806 on-road for the ZXi Petrol MT, versus ₹9,04,358 in Karnataka — a difference of ₹60,552. Note that you must register a vehicle in the state where you ordinarily reside; registering elsewhere to save tax requires actually relocating the vehicle and re-registering, which attracts fresh road tax in the new state.
What EMI would the Swift cost in Karnataka?
On the ZXi Petrol MT at ₹9,04,358 on-road in Karnataka, a 20% down payment of ₹1,80,872 leaves a loan of ₹7,23,486. At 9.5% over 7 years that is an EMI of ₹11,825. Use the calculator above to change the down payment, rate and tenure.
Does the on-road price shown here include insurance?
Yes. These figures include an estimate for first-year comprehensive insurance at about 3.5% of ex-showroom. Actual premiums vary by insurer, add-on cover (zero-depreciation, engine protection), your claim history and the registering RTO. Dealer-arranged insurance is usually dearer than buying it yourself — worth quoting independently.