On-road price calculator

Brand

Car

Variant

State

City

Maruti Suzuki SwiftLXi · Manual

Petrol
1197 cc
Mumbai, Maharashtra

On-road price, approximately₹6,84,077₹5,83,900 ex-showroom + ₹1,00,177 on top (17% more than the advertised price)

Ex-showroom₹5,83,900
Road tax and cess₹65,514
Registration, plate, FASTag₹1,900
Insurance₹32,763

The bill, line by line: Maruti Suzuki Swift LXi in Mumbai, Maharashtra
What you pay for	Amount
Ex-showroom priceThe maker's listed price (usually Delhi). Your city's can differ by a few thousand.	₹5,83,900
Road taxMaharashtra rate for a petrol car at this price	₹64,229
State cess2% road safety cess, charged on the tax rather than on the price.	₹1,285
Registration	₹600
Number plate (HSRP)	₹800
FASTag	₹500
Third-party insurance (3 years)Fixed by IRDAI. A new car must buy three years of cover up front.	₹12,093
Own-damage insurance (1 year)estimateMumbai is Zone A (metro). Set by each insurer, so this is an estimate. Shop it — the spread is wide.	₹20,670
On-road, approximately	₹6,84,077

₹6,63,407 of that is fixed by rule — the price, the state’s tax, and the third-party premium IRDAI sets. The remaining ₹20,670 is own-damage insurance, which every insurer prices differently. It is the one line worth shopping, and the reason we show it separately instead of folding it into a single number.

Road tax is levied by the state, so it is the same in every city in Maharashtra. Your city changes the own-damage insurance: insurers rate the eight big metros (Zone A) a little higher than other cities (Zone B), and Mumbai is Zone A (metro). The ex-showroom price is the maker’s listed one, usually Delhi’s; your city’s can differ by a few thousand, and the dealer’s own handling charges vary from dealer to dealer.

Monthly EMI

₹11,494 a month

₹1,36,815 down, ₹5,47,262 borrowed over 5 years at 9.5%. Interest in all: ₹1,42,349.

Down paymentYearsInterest %

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Where these numbers come from

Ex-showroom: Read from each manufacturer’s own price page, with the date recorded.
Road tax and cess: Each state’s published slabs. Maharashtra, Delhi, Karnataka and Tamil Nadu were checked against two independent sources; the rest come from one, and the calculator says so on screen when you pick one of them.
Third-party insurance: Fixed by IRDAI, so it is exact. A new car has to buy three years up front, which is the line that surprises people most.
Own-damage insurance: Set by each insurer, so it can only be an estimate. It is priced by city zone: the eight big metros (Zone A) cost a little more than other cities (Zone B), which is why the city you pick changes it. It is the one line worth shopping around, which is why we show it on its own rather than hiding it in a total.

Prices are read from each manufacturer’s own page and dated. If one has moved since, the figure here is the older one — always confirm with the dealer before you budget on it.