Mahindra XUV 3XO EV on-road price in Ludhiana

₹14,28,545 to ₹15,36,615 on the road2 variants

EMI from about ₹24,000 a month on the Ludhiana on-road price, at 9.5% a year over 5 years with 20% down.

Open the EMI calculator →

Figures as of September 2026, for a first personal car, bought by an individual and paid in cash.

Punjab sets these charges, so the same figures apply in Amritsar, Jalandhar, Patiala and Mohali and beyond.

Why

Registering in a different city of the state does not change them.

All 2 variants priced in Ludhiana

Variant	Ex-showroom	On-road in Ludhiana
AX5 Electric AT	₹13.89L	₹14,28,545
AX7 L Electric AT	₹14.96L	₹15,36,615

What the road adds in Ludhiana, variant by variant

Cheapest on the road first. The orange is Punjab's own share.

AX5 Electric AT₹14,28,545+3%
₹13,89,000 ex-showroom, Punjab takes ₹0, everything else ₹39,545
AX7 L Electric AT₹15,36,615+3%
₹14,96,000 ex-showroom, Punjab takes ₹0, everything else ₹40,615

Ex-showroom pricePunjab's road tax and its chargesRegistration, insurance, TCS and the tagOn the road in Ludhiana.

Worth knowing before you sign

On the Mahindra XUV 3XO EV AX5 Electric AT, Ludhiana is the cheapest of the 17 states we price it in, level with 10 other states: ₹1,45,845 under Bihar.

XUV 3XO EV rivals on the road in Ludhiana

The cheapest way into this group in Ludhiana is the Honda Elevate, from ₹12,94,640 on the road, ₹1,33,905 under the XUV 3XO EV's ₹14,28,545. Each figure is that car's cheapest variant on the road in Ludhiana, on the same Punjab road tax.

Honda Elevate
From ₹12,94,640 on the road
₹1,33,905 under the XUV 3XO EV
XUV 3XO EV vs Elevate: which to buy →
MG Hector
From ₹13,31,530 on the road
₹97,015 under the XUV 3XO EV
XUV 3XO EV vs Hector: which to buy →
Kia Syros EV
From ₹13,88,145 on the road
₹40,400 under the XUV 3XO EV
XUV 3XO EV vs Syros EV: which to buy →
Tata Safari
From ₹14,68,240 on the road
₹39,695 over the XUV 3XO EV
XUV 3XO EV vs Safari: which to buy →

The XUV 3XO EV in its colours

Nebula Blue

Vehicle images: Mahindra official media assets (auto.mahindra.com)

How the AX5 Electric AT's ₹14,28,545 breaks down

Getting it on the road in Ludhiana adds ₹39,545 to the ex-showroom price, and third-party insurance is the biggest part of that.

Ex-showroom price: ₹13,89,000
Road tax (exempt for electric cars): ₹0
Registration fee (exempt for electric cars): ₹0
TCS (1%, adjustable against your income tax)refundable: ₹13,890
Third-party insurance (3 years, incl. 18% GST): ₹24,670
Personal accident cover (1 year, incl. 18% GST)estimate: ₹885
FASTagestimate: ₹100
Comprehensive own-damage covernot in this total: insurer-priced
On-road in Ludhiana: ₹14,28,545

The fine print

Road tax (exempt for electric cars): Derived 2026-08-07 from CarWale's Amritsar breakdowns for 12 electric cars, Rs 6.99L to Rs 1.30Cr. Their RTO line runs Rs 5,000 to Rs 50,000, fitted slope 0.40% with Rs 3,273 fixed, so Punjab appears to levy no road tax on electric cars. NOT read from any Punjab instrument
Registration fee (exempt for electric cars): CMVR Rule 81, as amended by GSR 1183(E) dated 29-12-2016
TCS (1%, adjustable against your income tax): Income-tax Act 1961 s.206C(1F) from 1 June 2016, and from 1 April 2026 s.394(1) of the Income-tax Act 2025 at the same rate and threshold (renumbering reported, not read from the Act); creditable against the buyer's income tax
Third-party insurance (3 years, incl. 18% GST): Motor Vehicles (Third Party Insurance Base Premium and Liability) Rules 2022, G.S.R. 394(E) dated 25-05-2022, as amended by G.S.R. 32(E) dated 05-01-2024; both gazettes read from egazette.gov.in. PA cover per IRDAI circular IRDAI/NL/CIR/MOTP/158/09/2018
Personal accident cover (1 year, incl. 18% GST): Motor Vehicles (Third Party Insurance Base Premium and Liability) Rules 2022, G.S.R. 394(E) dated 25-05-2022, as amended by G.S.R. 32(E) dated 05-01-2024; both gazettes read from egazette.gov.in. PA cover per IRDAI circular IRDAI/NL/CIR/MOTP/158/09/2018; The Rs 15 lakh owner-driver cover is mandatory; this prescribed rate is what most insurers charge for the annual form.
FASTag: Tag cost only. Issuers add a deposit and minimum balance; dealer bundles commonly total Rs 500-600.
Comprehensive own-damage cover: Not in this total. Lenders require it and most buyers take it, but it has been market-priced since 2007 and varies widely with insurer, cover value and no-claim bonus, so an honest single figure does not exist. Budget for it from real quotes on top of this total.

Punjab's rates here are derived from published on-road prices rather than read from the state's own schedule, and Ludhiana appears to add a local charge below Rs 14 lakh that these figures do not include.

Confirm the final figure with your dealer before paying.

Where these figures come from

One figure here is weaker than the rest: the road tax is what Punjab is reported to charge, not something we could read in a notification. Treat that line as indicative and confirm it with your dealer. Everything else is computed from Punjab's own documents, last checked on 7 August 2026. Rates change with state budgets, so confirm the final figure with your dealer before paying.

Registering a XUV 3XO EV in Ludhiana

Cars registered in Ludhiana carry PB-10 or PB-91 plates, depending on which RTO office covers your address.

Series	Issuing office	Covers
PB-10	Regional Transport Authority, Ludhiana	Ludhiana, the main district office
PB-91	SDM, Ludhiana East	Ludhiana East subdivision

Punjab Transport Department, RTA wise and SDM wise list, which labels every registering authority with its code; the live site was unreachable, so verified from a 2026 Wayback Machine snapshot of that document, checked 9 August 2026.

XUV 3XO EV on-road price in other cities

See 22 other cities

Same figures, same state: Amritsar, Jalandhar, Patiala, Mohali, Bathinda

Different state, different figures: Mumbai, Pune, Delhi, Bengaluru, Chennai, Hyderabad, Jaipur, Indore, Patna, Kochi, Visakhapatnam, Itanagar, Guwahati, Raipur, Ranchi, Aizawl, Bhubaneswar

Mahindra XUV 3XO EV on-road price, in all 17 states we price →

Every Mahindra XUV 3XO EV variant, compared →

Questions buyers ask

What is the Mahindra XUV 3XO EV on-road price in Ludhiana?

Between ₹14,28,545 for the AX5 Electric AT and ₹15,36,615 for the AX7 L Electric AT, as of September 2026. That covers Punjab road tax, registration and the mandatory insurance; comprehensive own-damage cover is priced by insurers and comes on top.

How much is the road tax on the Mahindra XUV 3XO EV in Ludhiana?

₹0 on the AX5 Electric AT at ₹13.89L ex-showroom. The rate comes from Punjab's own schedule (Derived 2026-08-07 from CarWale's Amritsar breakdowns for 12 electric cars, Rs 6.99L to Rs 1.30Cr. Their RTO line runs Rs 5,000 to Rs 50,000, fitted slope 0.40% with Rs 3,273 fixed, so Punjab appears to levy no road tax on electric cars. NOT read from any Punjab instrument), verified on 7 August 2026.

Is the Mahindra XUV 3XO EV cheaper on-road in another city of Punjab?

No. Punjab sets these charges, so the same figures apply in Amritsar, Jalandhar, Patiala and Mohali and beyond: registering in a different city of the state does not change them.

Which number plate series does the Mahindra XUV 3XO EV registered in Ludhiana get?

Cars registered in Ludhiana carry PB-10 or PB-91 plates, depending on which RTO office covers your address. The series belongs to the office, not the car, so every vehicle registered there wears it (Punjab Transport Department, RTA wise and SDM wise list, which labels every registering authority with its code; the live site was unreachable, so verified from a 2026 Wayback Machine snapshot of that document, checked 9 August 2026).