CarBachat ke saare hisaab andaze hain, taaki aap dealer se sahi sawal pooch sako. Final road tax RTO, final premium insurance company aur final price dealer hi batayega. Ye legal ya financial advice nahi hai.
Road tax (individual owner, nayi private car) — last check 5 Nov 2026
- Maharashtra (1 Jul 2025 se): Petrol/Hybrid 11% (₹10 lakh tak), 12% (₹10–20 lakh), 13% (₹20 lakh se upar). Diesel 13% / 14% / 15%. CNG 8% (₹20 lakh tak). EV pe tax nahi. Company ke naam pe 20%. Sources: Autocar Professional, Mumbai Live, MyCarHelpline.
- Delhi: Petrol/CNG/Hybrid 4% (₹6 lakh tak), 7% (₹6–10 lakh), 10% (₹10 lakh se upar). Diesel 5% / 8.75% / 12.5%. EV pe tax nahi. MCD parking charge ₹4,000 (₹4 lakh se upar). Source: MyCarHelpline.
- Uttar Pradesh: 9% (₹10 lakh tak), 11% (₹10 lakh se upar). Pure EV pe tax maaf, 13 Oct 2027 tak. Sources: UP Seva, MyCarHelpline, Daily Jagran.
- Gujarat: 6% (kuch RTO GST hata ke lagate hain). EV pe 1%, 31 Mar 2027 tak. Ahmedabad/Surat ka city tax alag. Sources: Cars24, CRECKK, MyCarHelpline.
Baaki charges
- Registration fee ₹600 + number plate/smart card: kul lagbhag ₹1,500 maana gaya hai. Car loan pe hypothecation ₹1,500. FASTag ₹500.
- TCS: ₹10 lakh se mehngi car pe 1%. Ye kharcha nahi, ITR mein wapas milta hai. Source: Business Today.
- Third-party insurance (3 saal, nayi car): 1000cc tak ₹6,521, 1000–1500cc ₹10,640, 1500cc se upar ₹24,596; EV 30 kWh tak ₹5,543, 30–65 kWh ₹9,044, 65 kWh se upar ₹20,907. Ye 1 Jun 2022 wale rates hain; naya revision abhi notify nahi hua. Own-damage ka andaza IDV ka ~2% liya gaya hai, aur insurance pe 18% GST joda gaya hai.
- IDV depreciation: 6 mahine tak 5%, 1 saal tak 15%, 2 saal 20%, 3 saal 30%, 4 saal 40%, 5 saal 50%. Source: IFFCO Tokio (IRDAI schedule). NCB: 20%, 25%, 35%, 45%, 50%.
- Fuel rates jo hisaab mein liye: Petrol ₹102/litre, Diesel ₹96/litre, CNG ₹87/kg, bijli ₹8/unit (ghar), ₹20/unit (fast charger).
Koi rule badal gaya ho ya galti dikhe, to YouTube pe batao. Hum turant theek karenge.