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Tools / TCO

Total Cost of Ownership

Know what a vehicle really costs — beyond the showroom price.

Compare purchase price, fuel, financing, insurance, maintenance and resale across Indian vehicles.

Calculate my TCO Fleet TCO

India defaults · ₹ / km output · Built by Autiqa

Example scenario · mid-size SUV · 5 yr · 15,000 km/yr

True ownership cost

₹10.8/km

5 yr · 75,000 km

  • On-road price

    ₹12.4L

  • Fuel

    ₹4.1L

  • Maintenance

    ₹0.90L

  • Insurance

    ₹0.85L

  • Finance

    ₹1.9L

  • Resale (5 yr)

    −₹6.2L

Products

Three ways into Autiqa TCO

Consumer buyers, fleet operators, and developers — each with a visual identity that matches the decision.

Individual buyers

Consumer Total Cost of Ownership

Your car costs more than its sticker price.

Calculate fuel, EMI, insurance, maintenance and resale for a private buyer.

Calculate →
12 vehicles₹6.84/km₹18.2L / yr

Fleet Total Cost of Ownership

Multi-vehicle economics, not unit sticker math.

Model operating cost, downtime and replacement across a working fleet.

Open fleet TCO →

POST /v1/tco/calculate

{
  "vehicle": "SUV",
  "fuel": "CNG",
  "annual_km": 18000
}

→ ₹7.42/km

Total Cost of Ownership API

Programmatic TCO for LLMs, platforms, and internal tools.

Versioned calculate endpoints, assumptions, scenarios, and usage quotas.

Explore API →

EV ownership by state

Your registration state changes the answer.

Start with a transparent five-year EV reference. Every page shows road-tax treatment, charging mix and the assumptions behind the number.

Browse all states
Andaman & Nicobar IslandsEV ownership referenceAndhra PradeshEV ownership referenceArunachal PradeshEV ownership referenceAssamEV ownership referenceBiharEV ownership referenceChandigarhEV ownership referenceChhattisgarhEV ownership referenceDadra & Nagar Haveli and Daman & DiuEV ownership reference

Powertrain economics

Petrol, CNG or EV? See what actually wins.

Illustrative mid-size ownership case — pick your own vehicles in the calculator.

Example scenario · mid-size SUV · 5 yr · 15,000 km/yr

Compare vehicles →

Petrol

₹9.30/km

Upfront
₹11.2L
5-year cost
₹18.6L

CNG

Lowest 5-yr

₹7.10/km

Upfront
₹12.0L
5-year cost
₹16.4L

EV

₹7.50/km

Upfront
₹15.1L
5-year cost
₹17.2L

Ownership equation

The price tag is only the beginning.

Sticker price is one line. True cost stacks every rupee you spend — and subtracts what you recover at resale.

  1. Purchase₹12.0L
  2. +Finance₹1.9L
  3. +Fuel₹4.2L
  4. +Insurance₹0.90L
  5. +Service₹0.70L
  6. -Resale−₹6.1L
  7. =True cost₹13.6L

Horizon

5 years · 75,000 km

Spread across distance driven, the same ownership stack becomes a single comparable unit.

₹18.1/km

True ownership cost per kilometre

Inside the calculator

Built for decisions, not estimates.

Change kilometres, fuel price, loan tenure or resale assumptions and immediately see how the economics change.

  • Scenario assumptions
  • Cost breakdown
  • ₹/km comparison
autiqa.in/tco/consumer

Scenario

Example scenario · mid-size SUV · 5 yr · 15,000 km/yr

State
Maharashtra
Fuel
Petrol
On-road
₹12.0L
Annual km
15,000
Tenure
5 years
Ownership
Finance

Cost breakdown

Fuel
Insurance
Service
Finance

₹/km by powertrain

Petrol

₹9.30/km

CNG

₹7.10/km

EV

₹7.50/km

Open the full calculator →

Why TCO

Sticker price ≠ ownership cost

Autiqa TCO is built for Indian buyers and fleets — ₹, km, and powertrain reality included.

₹/km

Compare vehicles fairly

Normalise sticker price, fuel, and residual into one ownership unit.

5–10 Years

Model long-term ownership

See how financing, service, and resale shift over a full holding period.

Petrol · Diesel · CNG · EV · Hybrid

Compare powertrains

India-ready defaults for energy rates, taxes, and residual curves.

Built by Autiqa · Designed for the Indian automotive market

  • India-specific data
  • Transparent methodology
  • Regularly updated
  • Built for scale
Calculate the true cost of your vehicle →

FAQ

What is total cost of ownership (TCO) for a car in India?

TCO adds on-road price (or fleet capex), energy or fuel, insurance, maintenance, and residual value over a holding period — not just the ex-showroom sticker.

Should I use consumer or fleet TCO?

Use consumer TCO for a private buyer EMI/cash ownership path. Use fleet TCO for multi-vehicle ops with drivers, downtime, and replacement guidance.

Do you have EV TCO by state?

Yes. Autiqa publishes EV ownership reference pages for every Indian state and UT, then links into the full consumer calculator for custom tariffs.