The Maruti Suzuki Swift is known for its sporty character as well as its reliability. These factors help pull people into showrooms to buy a Swift for their families but it is the low running cost of the Swift that keeps the hatchback in the garage. We look at the overall five-year cost of ownership of the Swift so you can see what you’ll really be spending on servicing, fuel, insurance, and maintenance.
Maruti Suzuki Swift: Fuel Type and Mileage Overview
Maruti Suzuki offers the Swift in a range of powertrain variants to cater to the evolving preferences of Indian car buyers. The Swift is equipped with a 1.2 L petrol engine, which delivers a smooth balance of performance and fuel economy.
Variants Available:
| Variant | Fuel Type | Transmission | ARAI Mileage | Real Mileage (City) | Real Mileage (Highway) |
| Petrol Manual (MT) | Petrol | 5-speed MT | 24.80 km/l | 17-18 km/l | 20-21 km/l |
| Petrol Automatic (AMT) | Petrol | 5-speed AMT | 25.75 km/l | 16-17 km/l | 19-20 km/l |
| S‑CNG Manual | CNG | 5-speed MT | 32.85 km/kg | 25-27 km/kg | 30-31 km/kg |
(All mileage values certified under Rule 115 of CMVR 1989)
Maruti Suzuki has the best-in-segment fuel efficiency, particularly for petrol AMT and CNG variants. The S CNG trim gains most from its affordability and lower emissions.
Although ARAI test-bench ideal conditions form the basis of ARAI values, actual mileage may differ based on several parameters:
- Driving style (hard braking or smooth driving)
- City usage vs highway usage
- Road and traffic conditions
- Air conditioning and payload
Swift Fuel Cost per Km (Based on 5-Year Usage)
Understanding the real-world fuel cost is essential for budget planning. Here’s a simple breakdown based on realistic usage over five years.
Assumptions Used for Cost Estimates:
- Petrol price: ₹100 per litre
- CNG price: ₹90 per kg
- Annual distance: 12,000 km
- Mileage used: ARAI-certified for standardization
Annual and 5-Year Swift Fuel Cost Calculation:
Petrol Manual (MT):
- Annual usage: 12,000 ÷ 24.80 = 484 litres
- Annual fuel cost: 484 × ₹100 = ₹48,400
- Fuel cost in 5 years: ₹2,42,000
- Cost/km: ₹4.03
Petrol Automatic (AMT):
- Annual usage: 12,000 ÷ 25.75 = 466 litres
- Annual cost: ₹46,600
- Fuel cost in 5 years: ₹2,33,000
- Cost/km: ₹3.89
S CNG Manual:
- Volumetric consumption of CNG per year: 12,000 ÷ 32.85 = 366 kg
- Annual cost: ₹32,940
- Fuel cost in 5 years: ₹1,64,700
- Price per km: ₹2.75
Swift Service and Maintenance Costs Over 5 Years
Servicing is the second major cost after fuel. Swift, being a Maruti model, enjoys hassle-free access to 4,500+ Maruti-authorized service centers across India, thereby keeping servicing costs constant and affordable.
Regular service intervals and inclusions
Maruti recommends servicing after 10,000 km or annually, whichever is earlier. Adhering to this schedule helps:
- Maintain the engine in its best condition
- Retain warranty benefits
- Prevent long-term mechanical issues
What’s Included in Regular Servicing?
- Replacement of engine oil and oil filter
- Air filter and cabin air filter cleaning or replacement
- Brake system check
- Top-ups of coolant, brake oil, and washer fluid
- Diagnostic scan and ECU revisions
Periodic Additional Maintenance:
- Replacing fuel filter at 40,000 km
- Spark plug inspection (particularly for CNG variants)
- Battery replacement every 3-4 years (₹3,000-₹4,500)
- Brake pad replacement (usually between 30,000-50,000 km)
Estimated service costs by year
| Year | Routine Expense (₹) | Parts Expense (₹) | Total Expense (₹) | Reason |
| Year 1 | 1,584 | 1,000-1,416 | 2,500-3,000 | Basic check-up, engine oil replacement |
| Year 2 | 1,584 | 1,416-1,916 | 3,000-3,500 | Fluids top-up, small filter jobs |
| Year 3 | 1,440 | 2,560-3,060 | 4,000-4,500 | Brake inspection, battery health check |
| Year 4 | 2,723 | 2,277 | 5,000 | Fuel filter replacement |
| Year 5 | 1,135 | 3,865-4,865 | 5,000-6,000 | Comprehensive check, wear & tear parts |
| Total (5 Years) | , | , | ₹15,500-₹18,000 |
The total amount is less than the price of many rivals, a significant reason Swift continues to dominate sales charts.
Insurance and Other Recurring Expenses
In India, car insurance is mandatory, and most customers purchase comprehensive policies with add-ons like zero depreciation, roadside assistance, and engine protection for practical coverage.
Estimated Insurance Premium Range:
- First year: ₹16,000-₹18,000 (more due to IDV)
- Years thereafter: ₹10,000-₹13,000 (with NCB benefits)
- 5-Year Total (avg): ₹60,000
Maruti Suzuki also offers Maruti Insurance Broking, a multi-insurer platform that allows buyers to compare and renew premiums online with ease.
Other Routine Costs (not included in the main total):
- PUC certificate: ₹100 every 6 months
- Tyre rotation & wheel alignment: ₹500-₹1,000 every 5,000-10,000 km
- Quarterly car wash & detailing: ₹1,000-₹1,500
While these are minor, they contribute to better long-term car health and resale value.
Total Ownership Cost of Maruti Suzuki Swift (5-Year Estimate)
Here’s a consolidated look at what you’ll spend over five years:
| Variant | Fuel | Service | Insurance | Total (5 Years) |
| Petrol MT | ₹2,42,000 | ₹15,000 | ₹60,000-₹90,000 | ₹3,17,000 |
| Petrol AMT | ₹2,33,000 | ₹15,000 | ₹60,000-₹90,000 | ₹3,08,000 |
| S‑CNG MT | ₹1,64,700 | ₹18,000 | ₹60,000-₹90,000 | ₹2,42,700 |
Average Yearly Cost to Own:
- Petrol MT: ₹63,400/year
- Petrol AMT: ₹61,600/year
- S CNG MT: ₹48,540/year
The lowest overall cost-to-own model is the Swift S CNG, ideal for buyers who want to keep running costs in check without compromising on convenience and dependability.
How to Reduce Your Swift’s Running Cost
Here are smart ownership tips to help lower your Swift’s running costs:
- Select CNG variant: Most suitable for city driving on a regular basis, CNG versions save enormous amounts of fuel.
- Maintain service schedule diligently: Servicing at the right time saves money in long-term repairs.
- Utilize Maruti authorized repair shops: Eliminates warranty problems and guarantees original parts.
- Opt for pre-paid maintenance packs: Maruti provides service and warranty packs for planned expenses.
- Drive sensibly: Refrain from an aggressive start, minimize idling, and shift to a higher gear whenever feasible.
- Check tire pressure monthly: Adequate pressure boosts mileage by up to 5% and extends tire lifespan.
- Avoid overloading: Overloading reduces mileage and ruins engine components.
- Use insurance add-ons wisely: Select only necessary add-ons like zero-dep or engine protection in an effort to compare cost against risk.
Summary
The Maruti Suzuki Swift’s fuel-efficient, mid-service interval, and CNG model make it a front-runner in the hatchback market. Whether you are a first-time buyer or upgrading from a smaller car, Swift has a low running cost of ownership without sacrificing style, performance, or comfort.
FAQs About Maruti Suzuki Swift Running Cost
Q. What is the real mileage of Maruti Suzuki Swift?
As per ARAI, the Maruti Swift offers 24.80 km/l (Petrol Manual), 25.75 km/l (Petrol Automatic), and 32.85 km/kg (CNG).
Q. How much does Swift servicing cost per year?
The yearly cost of servicing Maruti Suzuki Swift is ₹3,000-₹6,000 per annum based on age and part replacement.
Q. Is Swift expensive to maintain long-term?
No. The estimated maintenance cost for 5 years is ₹15,000-₹18,000, which is very low in its category.
Q. What is the fuel cost per km for the Swift?
The fuel cost per km for the Swift is ₹4.03/km for the petrol manual Swift, ₹3.89/km for the petrol automatic Swift, and ₹2.75/km for the CNG Swift.
Q. Is Swift better than Baleno in terms of running costs?
Swift is lighter and slightly more fuel-efficient in real use. Baleno may offer superior features, but Swift overpowers it in price and lower service cost.
