How do I calculate shipping charge for my products?

You cannot add shipping charges based on pin code to each product because customers in eCommerce expect the final product price to be same irrespective of where they are located. Taking a pincode based shipping charge approach will discourage people outside your city from buying on your site since they feel discriminated from customers within your city who'll be charged less for the same product.
However, as a merchant shipping charges are a major component of your costing and you'll need to recover it from your order. There are two industry standard strategies to do this. You can use both or one of them in your store.
The first approach is to add an average shipping charge to each of your products. You can calculate the average shipping charge as (local shipping charge+outstation shipping charge/2). You can add the avg shipping charge per product from ADMIN > PRODUCTS > ALL PRODUCTS > EDIT > SHIPPING CHARGE.

The second approach is to use a min order shipping charge i.e you can setup rules like
Do not allow checkouts below a certain cart amount eg: 100
For all orders below a certain amount, add a shipping charge. eg: add Rs.30 for all orders below Rs.500
For all orders above a certain amount, shipping is free. Eg: no shipping for orders above Rs.500.
You can setup the above rules from ADMIN > SETUP > SHOP SETTINGS.
These two strategies will help you recoup your shipping charges while also ensuring that your customers have a consistent experience on your store.

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