These variations can substantially impact the total cost of a vehicle. Below is a comparison of the on-road prices for some of India's top-selling cars—Maruti Suzuki Swift, Hyundai Creta, and Tata Nexon—in selected states: Delhi, Karnataka, Maharashtra, and Himachal Pradesh.


​When purchasing a car in India, the on-road price varies significantly across states due to differences in road taxes, registration fees, and insurance costs.​




1. Maruti Suzuki Swift

The Maruti Suzuki Swift is a popular hatchback known for its performance and fuel efficiency.​

  • Delhi:

    • Ex-showroom Price: ₹6,49,000​

    • RTO: ₹45,430​

    • Insurance: ₹36,640

    • On-road Price: ₹7,31,070 ​

  • Pune, Maharashtra:

    • Ex-showroom Price: ₹6,49,001

    • RTO: ₹90,795

    • Insurance: ₹32,801

    • On-road Price: ₹7,72,597 ​​

2. Hyundai Creta

The Hyundai Creta is a sought-after compact SUV with modern features.​

  • Delhi:

    • Ex-showroom Price: ₹11,10,900

    • RTO: ₹1,18,563​

    • Insurance: ₹48,401

    • On-road Price: ₹12,88,973

  • Pune, Maharashtra:

    • Ex-showroom Price: ₹11,11,000​

    • RTO: ₹1,38,974​

    • Insurance: ₹64,732​

    • On-road Price: ₹13,25,715 ​

Note: Specific on-road price data for Karnataka and Himachal Pradesh are not available in the provided sources.​

3. Tata Nexon

The Tata Nexon is a compact SUV known for its safety features and design.​

  • Delhi:

    • Ex-showroom Price: ₹7,99,990​

    • RTO: ₹63,370​

    • Insurance: ₹35,960​

    • On-road Price: ₹8,99,320 ​​


  • Delhi: Offers relatively lower RTO charges compared to Maharashtra, resulting in a lower on-road price.​

  • Maharashtra: Higher RTO charges contribute to a higher on-road price.​

  • Karnataka and Himachal Pradesh: Specific data is not available in the provided sources, but it's known that Karnataka has some of the highest road tax rates in India, which would increase the on-road price.​

The state in which you purchase a car significantly affects the total on-road price due to varying road taxes, registration fees, and insurance costs. It's essential to consider these factors and check the latest rates in your specific state to make an informed decision and potentially save a substantial amount on your car purchase.

How to Save a Huge Amount While Buying Cars in India

Buying a car in India is a significant investment, and with the right strategies, you can save a substantial amount. Whether you're purchasing a new or used car, smart planning and negotiation can help you get the best deal. Here’s how you can save big when buying a car in India:

1. Choose the Right Time to Buy

Car manufacturers and dealerships often offer attractive discounts during festivals like Diwali, Navratri, and Dussehra. The end of the financial year (March) and the calendar year (December) are also great times to get clearance discounts.

2. Consider Buying a Pre-Owned Car

Used cars depreciate much slower than new ones. A well-maintained 2–3-year-old car can cost 30-40% less than a new one while still offering excellent performance. Always check the vehicle’s service history and get it inspected by a mechanic before purchasing.

3. Compare Prices and Bargain Hard

Never settle for the first price you get. Visit multiple dealerships, check online platforms, and compare prices. Dealers often have room for negotiation, so be prepared to bargain for discounts, free insurance, or additional accessories.

4. Avoid Buying the Latest Model

Newly launched models come at a premium price. Opting for an outgoing model can fetch you hefty discounts while still providing the latest features and technology.

5. Explore Bank Loan Options Carefully

A lower interest rate on a car loan can save you thousands over time. Compare loan offers from different banks, NBFCs, and online aggregators. Look for schemes offering zero processing fees or special interest rates for salaried professionals.

6. Opt for a Smaller or Fuel-Efficient Car

Choosing a car with high fuel efficiency saves money in the long run. Smaller cars have lower taxes, insurance premiums, and maintenance costs, making them more economical choices.

7. Check for Government Subsidies

If you’re considering an electric vehicle (EV), take advantage of government subsidies like the FAME India scheme, state-wise incentives, and lower road taxes.

8. Buy Insurance Smartly

Instead of opting for insurance from the dealer, compare rates online. Websites like PolicyBazaar and Coverfox offer competitive rates. Avoid unnecessary add-ons that increase premiums unnecessarily.

9. Opt for Exchange Offers

If you have an old car, dealers may offer exchange bonuses when buying a new one. Get an independent valuation of your old car to ensure you receive a fair trade-in price.

10. Maintain a Good Credit Score

A good credit score (above 750) can help you negotiate better loan terms with lower interest rates. This can result in significant savings over the loan tenure.

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