How is car depreciation calculated?

We apply typical India-market retention curves by fuel type (e.g. ~18% drop in year 1 for petrol). Your estimated resale = purchase price × retention for that age.

Do EVs depreciate faster?

Early-year EV depreciation is often steeper due to battery tech and new launches. Toggle Electric to see a more aggressive retention curve.

Is this the same as bank valuation?

No — this is a planning estimate. Lenders use IDV, RC age, condition and market comps. Use this for ownership-cost planning, not loan sanction amounts.

Car4You · Free tool

Car depreciation calculator

See year-by-year resale value and total loss for petrol, diesel, CNG or EV — with charts and a full depreciation table.

Vehicle details

Fuel type

Purchase / on-road price₹12,00,000

Ownership age5 years

Estimated resale after 5 years

₹5,40,000

Lost ₹6,60,00055% depreciated

Value vs loss

Today₹5,40,000

Resale value45%
Depreciation55%

Year-by-year value

₹9,84,000

₹8,40,000

₹7,20,000

₹6,24,000

₹5,40,000

Year	Est. value	Depreciation	% retained
Purchase	₹12,00,000	₹0	100%
Year 1	₹9,84,000	₹2,16,000	82%
Year 2	₹8,40,000	₹3,60,000	70%
Year 3	₹7,20,000	₹4,80,000	60%
Year 4	₹6,24,000	₹5,76,000	52%
Year 5	₹5,40,000	₹6,60,000	45%

Frequently asked questions

How is car depreciation calculated?: We apply typical India-market retention curves by fuel type (e.g. ~18% drop in year 1 for petrol). Your estimated resale = purchase price × retention for that age.
Do EVs depreciate faster?: Early-year EV depreciation is often steeper due to battery tech and new launches. Toggle Electric to see a more aggressive retention curve.
Is this the same as bank valuation?: No — this is a planning estimate. Lenders use IDV, RC age, condition and market comps. Use this for ownership-cost planning, not loan sanction amounts.