Buy / Ownership Cost

Understand the full picture beyond ex-showroom price — what you spend over 5 years.

Total cost of ownership (TCO)

Ex-showroom price is just the start. Over five years, fuel and EMI typically dominate running costs for financed buyers. Maintenance and insurance add predictable but meaningful share — especially for premium or low-mileage vehicles.

  • Fuel — largest variable; depends on km/month and mileage
  • EMI — fixed monthly outflow if financed
  • Maintenance — service intervals, tyres, wear items
  • Insurance — annual premium with NCB discounts
Open calculators

Typical 5-year split

Illustrative mid-SUV ownership mix

  • ● Fuel 38%
  • ● EMI 27%
  • ● Maintenance 18%
  • ● Insurance 17%