Car loan ₹8 lakh: 5 saal mein car ka real cost ₹18 lakh nikla
Sirf car ki keemat nahi. Insurance, fuel maintenance aur depreciation sab milkar total cost bhi.
5 मिनट पढ़ें
1200 शब्द
1/4/2026
Swift VXI li. On-road price ₹8.2 lakh. Loan: ₹6.5 lakh, 5 saal. EMI: ₹14,200. Socha ₹8.2 lakh ki car hai. 5 saal baad pata chala: total cost ₹17.8 lakh. Fuel + insurance + service + depreciation. Car ke ownership ka asli cost on-road price se 2.2 guna hai. Main hoon Manish, 30, Hyderabad mein sales.
उपयोग विधि
Car purchase:
On-road price: ₹8,20,000
Down payment: ₹1,70,000
Loan: ₹6,50,000
Interest rate: 9.5%
EMI: ₹14,200 × 60 = ₹8,52,000
Interest: ₹2,02,000
5 year costs:
Insurance (comprehensive): ₹35,000 × 5 = ₹1,75,000
Fuel (12,000 km/year, 18kmpl, ₹100/litre): ₹6,67,000
Service + maintenance: ₹50,000
Road tax: ₹3,000 × 5 = ₹15,000
Accessories (music system, mats): ₹15,000
Total 5 year cost: ₹8,20,000 + ₹2,02,000 + ₹1,75,000 + ₹6,67,000 + ₹50,000 + ₹15,000 + ₹15,000 = ₹17,44,000
Car value after 5 years: ₹4,00,000
Net cost: ₹17,44,000 - ₹4,00,000 = ₹13,44,000
Car loan calculator mein:
Agar ₹5,00,000 ki second hand car (3 saal purani) le:
Price: ₹3,50,000
No loan interest
Same fuel + insurance: ₹4,10,000
Total 5 year cost: ₹9,45,000
Difference: ₹13,44,000 - ₹5,35,000 = ₹8,09,000
Second hand saves ₹8 lakh over 5 years!
प्रो टिप्स
Car loan calculator istemal karein. Total cost of ownership calculate karein. Sirf EMI nahi.
3 saal purani second hand best value hai. Pehla owner ne 50-60% depreciation absorb kar li.
Electric car consider karein. Running cost 1/5th. Lekin purchase price z zada hai.
सामान्य गलतियाँ
Sabse badi galti: On-road price bhoolna. Ex-showroom price + insurance + registration + accessories = ₹8.2 lakh. Showroom price ₹6.5 lakh nahi.
Doosri galti: Fuel cost underestimate karna. 12,000 km/year = ₹6.67 lakh fuel. Yeh sabse bada expense hai.
Teesri galti: Car loan ke saath insurance+maintenance nahi socha. Loan khatam bhi cost of ownership ka hisaab mein aana chahiye.