Petrol
₹9.30/km
- Upfront
- ₹11.2L
- 5-year cost
- ₹18.6L
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.
India defaults · ₹ / km output · Built by Autiqa
AUTIQA / Ownership workspaceWorked example
Same journey.
Different economics.
Maharashtra
5 years · 15,000 km/yr
AI-generated illustration · not model specifications or quotations
Petrol
Ex-showroom
₹12.00L
Cost / km*
₹22.90
CNG
Ex-showroom
₹13.00L
Cost / km*
₹20.89
Electric
Ex-showroom
₹16.00L
Cost / km*
₹21.49
Upfront price ≠ lifetime cost
₹ LAKHEx-showroom5-year cost after resale
View comparison values and assumptions
| Configuration | Gross cost | After resale* |
|---|---|---|
| Petrol | 23,24,622 | 17,17,421.713 |
| CNG | 21,86,775 | 15,66,935.283 |
| Electric | 23,12,616 | 16,11,976 |
20% down payment, 8.5% finance over 60 months. Fixed example energy rates. Engine autiqa-tco-engine-2026.08.v2. Vehicle prices and efficiencies differ; all inputs are editable in the example.
Calculators
Choose the right ownership tool
Compare exact variants or model costs for individual buyers and fleet operators. Scenarios stay in your browser.
AI-generated illustration · not model specifications
Consumer Total Cost of Ownership
Explain the economics beyond the sticker price.
Compare fuel, finance, insurance, maintenance and resale for sales and advisory decisions.
Open ownership workspace →
AI-generated illustration · not model specifications
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 →AI-generated illustration · not model specifications
Compare car variants
Choose exact trims side by side.
Compare state tax, mileage assumptions, fuel, images and resale asking-price evidence.
Compare variants →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 statesAndaman & 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
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.
- Purchase₹12.0L
- +Finance₹1.9L
- +Fuel₹4.2L
- +Insurance₹0.90L
- +Service₹0.70L
- -Resale−₹6.1L
- =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
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
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.