The Total Cost of Ownership (TCO) helps you understand the real cost of running a vehicle over time, including fuel, EMI, service, insurance, and tyres.
Key Assumptions
Usage: 3,500 km/month (140 km/day × 25 days)
Annual running: 42,000 km
Ownership period: 5 Years
Mileage: 17 km/l (real-world)
Diesel price: ₹95/litre (avg 2026)
Loan EMI: ₹13,000/month
Usage type: City + semi-urban delivery
5-Year TCO Breakdown (Diesel Variant)
Year | EMI (₹) | Fuel Cost (₹) | Service (₹) | Insurance (₹) | Tyre Cost (₹) | Total Yearly Cost (₹) |
Year 1 | 1,56,000 | 2,35,000 | 15,000 | 28,000 | 0 | 4,34,000 |
Year 2 | 1,56,000 | 2,45,000 | 18,000 | 24,000 | 0 | 4,43,000 |
Year 3 | 1,56,000 | 2,57,000 | 22,000 | 20,000 | 20,000 | 4,75,000 |
Year 4 | 1,56,000 | 2,70,000 | 26,000 | 18,000 | 0 | 4,70,000 |
Year 5 | 1,56,000 | 2,83,000 | 30,000 | 16,000 | 22,000 | 5,07,000 |
5-Year Total Cost
Total Ownership Cost (5 Years): ₹23.29 Lakh (Approx.)
Resale Value After 5 Years
Cost Per Km Insight
Total running (5 years): ~2,10,000 km
Running cost: ~₹9.5 – ₹10/km
Final Verdict
Fuel remains the biggest expense
EMI forms a major fixed cost
Maintenance rises gradually after 3 years
Overall, a balanced and practical mini truck for business use
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