When buying a mini truck, it is important to look beyond the purchase price. The Total Cost of Ownership (TCO) includes fuel, maintenance, insurance, EMI, and other running expenses over time.
Key Assumptions (Used Across All Tables)
Usage: 3,750 km/month (150 km/day × 25 days)
Annual running: 45,000 km
Ownership: 5 Years
Real-world city delivery conditions
EV Variant (Tata Ace Pro EV)
Avg cost/km used: ₹1.25/km
Year | EMI (₹) | Electricity Cost (₹) | Service (₹) | Insurance (₹) | Tyre Cost (₹) | Total Yearly Cost (₹) |
Year 1 | 1,20,000 | 56,250 | 5,000 | 18,000 | 0 | 1,99,250 |
Year 2 | 1,20,000 | 56,250 | 6,000 | 16,000 | 0 | 1,98,250 |
Year 3 | 1,20,000 | 56,250 | 7,000 | 14,000 | 20,000 | 2,17,250 |
Year 4 | 1,20,000 | 56,250 | 8,000 | 12,000 | 0 | 1,96,250 |
Year 5 | 1,20,000 | 56,250 | 10,000 | 10,000 | 20,000 | 2,16,250 |
5-Year Total (EV): ₹10.27 Lakh (Approx.)
✔ Lowest running cost
✔ Best for city delivery
✔ Minimal maintenance
Bi-Fuel Variant (CNG + Petrol)
Avg cost/km used: ₹3/km
Year | EMI (₹) | Fuel Cost (₹) | Service (₹) | Insurance (₹) | Tyre Cost (₹) | Total Yearly Cost (₹) |
Year 1 | 1,00,000 | 1,35,000 | 8,000 | 18,000 | 0 | 2,61,000 |
Year 2 | 1,00,000 | 1,35,000 | 10,000 | 16,000 | 0 | 2,61,000 |
Year 3 | 1,00,000 | 1,35,000 | 12,000 | 14,000 | 20,000 | 2,81,000 |
Year 4 | 1,00,000 | 1,35,000 | 14,000 | 12,000 | 0 | 2,61,000 |
Year 5 | 1,00,000 | 1,35,000 | 16,000 | 10,000 | 20,000 | 2,81,000 |
5-Year Total (Bi-Fuel): ₹13.45 Lakh (Approx.)
✔ Best mix of cost + range + flexibility
✔ No charging tension
✔ Ideal for semi-urban + rural use
Petrol Variant
Avg cost/km used: ₹5.5/km
Year | EMI (₹) | Fuel Cost (₹) | Service (₹) | Insurance (₹) | Tyre Cost (₹) | Total Yearly Cost (₹) |
Year 1 | 90,000 | 2,47,500 | 10,000 | 18,000 | 0 | 3,65,500 |
Year 2 | 90,000 | 2,47,500 | 12,000 | 16,000 | 0 | 3,65,500 |
Year 3 | 90,000 | 2,47,500 | 14,000 | 14,000 | 20,000 | 3,85,500 |
Year 4 | 90,000 | 2,47,500 | 16,000 | 12,000 | 0 | 3,65,500 |
Year 5 | 90,000 | 2,47,500 | 18,000 | 10,000 | 20,000 | 3,85,500 |
5-Year Total (Petrol): ₹18.67 Lakh (Approx.)
✔ Lower upfront cost
✘ The highest running expense
✘ Not ideal for heavy daily usage
Simple Buyer Insight
Go EV if your usage is city-based & predictable → Maximum savings
Go Bi-Fuel if you want flexibility + long routes → Smart middle choice
Avoid Petrol unless the budget is very tight → Costliest in the long run