Ownership cost
What will this EV cost to own?
Total cost over 3, 5 or 8 years in Tamil Nadu, next to an equivalent petrol automatic. Chennai ex-showroom prices. Resale value is not included.
Every number is tagged: Your input Sourced Estimate
Tata Harrier.ev
Fearless+ 65
No petrol comparison: Chennai prices agree, but only one source gives an ARAI figure (Autocar India lists NA).
EV · 5 yrs
₹25,93,145
₹43.22/km · ₹43,219/mo
| Over 5 yrs | EV |
|---|---|
| Ex-showroom price | ₹24,29,000 |
| Road tax (TN) | ₹0 |
| Registration & FASTag | ₹400 |
| Charging / fuel | ₹1,04,156 |
| Maintenance | ₹0 |
| Insurance | ₹59,589 |
| Total | ₹25,93,145 |
How these figures are worked out
- Sourced EV ex-showroom ₹24,29,000 (Chennai, checked 2026-10-27). Road tax ₹0: Tamil Nadu exempts EVs until 2027-12-31. Registration ₹0 for EVs; FASTag ₹400.
- Sourced Est. on-road, Chennai (incl. insurance estimate): ₹24,72,803–₹25,53,755, including ₹24,290 TCS. TCS is adjustable against income tax, so it is not counted as a cost here.
- Sourced Year-1 insurance at purchase: EV third-party 3 years ₹10,672 (notified rate incl. GST).Estimate Own damage, year 1: we use the midpoint of the estimate range, EV ₹48,917, without add-ons like zero-dep. It varies by insurer, add-ons and discounts. Your renewal figures below start in year 2.
- SourcedEnergy use 6.65 km/kWh: Tata's estimate: 433 km real-world range ÷ 65 kWh. Cost ₹1.74/km at the meter, charging losses included.
Renewal insurance and maintenance are left at ₹0 until you enter your own quotes. Year 2 and 3 renewals cover own damage only, as third-party is prepaid for 3 years.
Assumptions
- Sourced EV road tax: ₹0. 100% motor vehicle tax exemption for battery-operated vehicles, 1 Jan 2026 to 31 Dec 2027. If you register after 2027-12-31, this may change.
- Sourced Petrol road tax: 12% up to ₹5,00,000, 13% up to ₹10,00,000, 18% up to ₹20,00,000, 20% above. Lifetime tax on a new private car, as a share of the vehicle's cost, from 9 Nov 2023. Applied here to the ex-showroom price, which is an approximation of the taxable cost.
- Sourced Public DC: ₹20/kWh (checked 2026-10-30). Median listed DC price across 98 Chennai stations (ChargeDekho, 18 Sep 2026); some networks add GST on top. Wattway (Aug 2026) puts Tamil Nadu public DC at ₹18–26/kWh.
- ChargeDekho: EV charging prices in Chennai (2026-09-18)
- Wattway: Zeon charging network guide (2026-08)
- Sourced Petrol: ₹107.76/L in Chennai on 2026-10-30.
- BusinessLine: petrol price today in Chennai (2026-10-30)
- Times of India: petrol price in Chennai (2026-10-30)
- Your input Home: ₹8/kWh Owner's choice for a TN home connection. Change it to match your bill.
- Estimate Charging losses 11% Estimate. Energy lost between the meter and the battery, typically 10–12% for AC home charging.
- Estimate Real-world share 75% Estimate. Lab figures (MIDC range, ARAI mileage) are higher than everyday driving. Tata's own real-world range estimates sit at 74–80% of MIDC; Autocar India's tests of the Grand Vitara AT (13.45 of 20.58 kmpl) and Creta IVT (13.11 of 17.7 kmpl) land at 65–74% of ARAI. Used for the petrol car, and for EVs whose maker publishes no real-world estimate.
- Not included: resale value, registration and handling fees, FASTag, accessories, tyres, a home charger, fuel or tariff price changes, and inflation. Costs are counted on an ownership basis: the full price is a cost on the day you buy, and a loan adds its interest.
- Petrol pairs are listed only where two independent sources agreed on both the Chennai price and the claimed mileage. Data version 2026-10-30.2.
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