I thought I was done requesting advice on my project and ready to execute, but here I am back again.
I hired an electrician for the project and he came up with an interesting advice, which I tried to capture in this enclosed line diagram.
He reconfirmed the calculation that you kindly did for me for the AC circuit and came up with the load of 66 amp for these two existing ACs on 100 amp feed. But when he did the load calculation again with new 32 amp Charger load added to the AC Circuit, he computed the load for all the three loads at name plate rating ( RLA 28.1 amp + FLA 1.4 amp at 230V ) for condensers and configured load of 32 amp / 240V for the charger and then applied 25% demand factor to the largest load in the group , which is the charger. This way, the total load is 98 amp and so can be supported on 100 amp AC feed from the main panel without altering anything on that panel.
This option involves installing a sub panel , but avoids any service shutdown or main panel upgrade or involve Tesla Solar - which is a big positive. Additionally, oversizing the panel and the wire for the charger provides scope for future upgrade.
Can I request you to take a look at this diagram and validate if it complies with the code ? Thanks