On-Road Price Explained: Every Line Item, Decoded
Ex-showroom, RTO, TCS, insurance, FASTag and 'handling charges' — what's mandatory and what isn't.
Karan BhatiaFinance & Ownership Writer 1 min read
The number on the brochure is rarely the number you pay. Here's what makes up an on-road quote.
Item | Mandatory? | Typical share |
|---|---|---|
Ex-showroom price | Yes | — |
RTO registration & road tax | Yes | 4–15% (varies by state) |
TCS (cars above ₹10 lakh) | Yes, adjustable against income tax | 1% |
Motor insurance | Yes (third-party minimum) | 3–5% |
FASTag | Yes | Small |
Extended warranty | No | Optional |
Accessories kit | No | Optional |
Handling / logistics charges | No | Should be zero |
What you can refuse
Accessory kits, extended warranty and dealer insurance are optional. 'Handling charges' should not be added at all. On CAR GRANTH every quote shows the full breakup before you book.
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