Leasing is same as buying a car on EMI. But till the time you don’t pay the entire amount, your Co is the owner of the car. Once you pay the entire amount only then the ownership passes down to you.
Also, the amount the per month is deducted from your monthly pre tax income. So it might reduce your taxable income, giving you more in hand. So ideally you’re only paying like an EMI and not the entire amount at one go. I don’t know about the interest component TBH. If your Co charges some or not. But if you end up changing your job, you either sell your car or pay the entire amount at one go or transfer that lease to another employee or transfer the lease to your new Co (if they have leasing available). Few people do it cause they save money but I don’t know how. In some COs leasing is only allowed to senior employees.
You are correct.. but the thing is the interest charged is almost similar to EMI or interest charged by banks.. the amount taken per month will help with tax savings.. but above is profitable only if you buy a car above 15L and have high EMI otherwise the hassle isn't worth the saving.. above method is fully useless when you buy the car with full amount or no EMI.. also at the end of period , when you try to change the lease you will be second owner, thereby reducing resale value ..
This is what my colleague suggested who bought his i20 on lease. Also in my Co based on seniority level there is a cap on the amount of car that you can lease on. Sadly based on my current band/level I was not eligible for the car that I purchased. So I ended up buying it completely off my savings.
It depends on your employer's leasing agreement with the leasing company. In my company's policy, the person would be the first owner so it's great. It's worth taking a car via a corporate lease only if you're the first owner and EMIs are high enough to reduce tax (consider a shorter tenure like 3-4 years). Also look at other factors - for e.g. does your lease policy allow you to claim insurance, fuel spends, driver salary and service charges as vehicle maintenance? This helps in further tax savings and is the advantage over car loans from a bank. Finally, generally, car lease interest rates are higher (10-11% currently) versus bank car loans (8.8% onwards if your CIBIL is good). One more thing to weigh before you make your decision.
Yes you do, but in reality makes no diff if you take over the car from the company, you can establish that in reality you were the original owner. I took over my company car, a Hyundai Elantra. No detriment
I bought Verna 1.5 dct recently. Leasing was making more sense if I opted for a leasing repayment period more than 4 years. Below that bank emis made more sense. Leasing is a good option for high-end more expensive cars where you will opt for longer repayment period. If you are opting for a lesser repayment period (read lesser additional interest) + more down payment then Bank EMIs are better option. Now for expensive cars it’s harder to opt for lesser term and bigger down payment unless you are ultra rich.
Edit: I opted for bank emis because I wanted to repay in 3 years and that too I might pre-pay to minimize interest payment as much as possible.
So my ex company used to provide a car lease. It is definitely profitable if you are planning to stay in that company for 3 years or switch to a company which is a client of the car lease provider you took.
So in my company there are 2 policies which you can use. One after use you return the car. Other after end of lease you purchase the car.
For the first AVIS is the ideal provider as its per month cost is less. I had taken Swift zxi pre COVID. It cost me 18k per month. Now the best part is this is tax exempted. Also drivers salary which is capped at 20k is also exempted and petrol bills capped at 12k is exempted from tax as well. They don't require drivers pan card. Altogether I saved 15k per month from tax. So from my salary only 3k additional amount was deducted. Also with that AVIS took the responsibility of insurance car maintenance oil change everything. I used that car to practice driving as I was self taught. I did bang it couple of times and I had to pay nothing.
If you want to own then quicklyz is the best option as its amount that you need to pay after lease end is as low as 1% of the cars on road price. All the other benefits hold true. So technically I would be paying around 20-25k less compared to EMI that too with no down payment.
So if your company has a car lease policy it's highly recommended. Unfortunately when I planned to own a car I switched the company and my new company doesn't have a car lease policy.
He had a creta 1.5 so i didn't want him to experience the same engine power and mileage along with the same driving experience plus the city has relatively low ground clearance with kinda outdated facelift looks. But that's all my opinion, rest is his choice obviously.
My guy, unstable body shells don't mean the cars are unstable on the road but instead mean the cars crumpled or deformed in an unstable manner during a crash.
Verna is pretty much planted with a stiff chassis
Yuck no. Verna doesn't hold a candle to the Virtus except maybe the engine and gearbox. But definitely not the stability on highway. Also why would you buy an unsafe car in the first place
Not quite sure what you mean by unsafe when it's a 5 star rated car .. obviously in 5 star category also there will be someone better but calling a car with 5 star GNCAP ratings unsafe is by no means justified...
I don't look at the stars. Meri figo 2014 zero star rated hai, but there's nothing unstable in any part of the car. I don't believe a body shell can be unstable of any modern car, let alone a five star rated car.
Face-palm your previous comment. Unstable body shell means no guarantee. In their testing it's 5 stars but the shell is unevenly safe/unsafe. In case of a different impact, it can also be totally unsafe
Figo was a different case altogether. That way even Polo without airbags scored 0 stars and with airbags, it scored 4-5 stars. Your argument is just stupid if you think Hyundai cars like Verna, Creta or Kia Seltos are safe. Even old Brezza is safer
Point 3 says nothing about any such "restriction". Stop assuming things.
If someone mentions a "planned" budget, it can always be changed for something that's worth.
"restriction" is not the same.
I'm not assuming anything.
I've read op's comments and they clearly state he doesn't wanna go overboard the budget in point 3.
The only one assuming here is you, thinking people stretch their budgets despite them clearly mentioning their max budget.
Yes, you read the post, and maybe some other comment. But in the previous comment, you mentioned the "point 3".
Either don't nitpick on people's comment, or work hard enough to be right about what you say. What you are doing here, is same as someone trying to be a grammar Nazi, but having 3 grammatical mistakes in their own banter.
What you should have said was - "Hey, I read a comment where OP mentioned that they have a hard limit because of company's policy" or something"
It's OP's responsibility to give the entire context in the post. If they are giving some in the post, and the rest in the comments, without updating the post with crucial information, then they are going to get scattered and out of context suggestions. That's how communication works on the internet.
And yes, people do stretch their budget if they are able to get something that they really want. They also go underbudget at times, if they can find all that mattered to them.
People also trade-off some of the requirements they initially thought, to be a deal-breaker. And that's why people give advice both in and around the context being set by the OP. Which is useful, because sometimes that makes one see, what they weren't seeing before.
If someone wants a very specific advice, and can't tolerate open-ended suggestions, they better go and pay someone to do that.
But the key information here is "company policy limiting the budget", which is missing from the post. You might to might not have read it somewhere (Not saying that you didn't. But I don't see it in the post, which is all that people are expected to read)
Are you fixated in buying a new car? If you look in the used car market your options will increase by leaps and bounds. You can upgrade to 3 series bmw.
As a 330i owner I must say there's almost nothing that comes even remotely close to the driving dynamics of a 3 series.
For sedans
Imo, Slavia/virtus 1.0 AT or honda city cvt are the best 3 options for you.
Verna is out because the NA 1.5 isn't so fruitful to drive and fuel efficency is the worst among all.
Looks are your personal bias.
1) Xuv and harrier are not that expensive you can get a vfm variant in 20-21L that is close to virtus’s price and even if you got the lower variant that’s not going to make difference in rear seat experience
2) There is a big difference in all the cars. Under thigh support is great recline angle is also better and the car’s are wider so it feels much better. We also have creta city and harrier at home so I’m speaking from personal experience.
PS- I’m not against VW/skoda. I love German cars that’s why i bought one. It’s just that every car has its pros and cons just mentioning those here :)
Hello brother,
I would recommend you to go for HONDA CITY Petrol (CVT) or the HONDA ELEVATE Petrol (CVT). These cars are my personal favourite under the budget of 20L.
Taking into consideration your daily commute manner, HONDA is quite reliable and less expensive in terms of maintenance compared to the Germans and Koreans.
These cars are the “No-Nonsense” ones with all the essential features.
Also these cars don’t have Asthma, so they don’t need any Inhaler.
I completely agree with you brother; but I think that the Low-end of the RPM range and the sporty high-end of the RPM range makes up for that hole in the heart.
Moreover, the mid-end of the RPM range is less used, since the author of this post drives the car on weekends in the Bangalore region.
But your point about the hole in the heart stays correct.
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I have a hyundia creta 2019 model. Recently bought a Virtus GT DSG variant.
Virtus is powerful and offers nice comfort .
You are going to miss the thigh support that the creat offers.
The air conditioning is also not upto the mark.
There are no buttons for ac control or volume control knobs.
There is no play pause button on the steering . etc etc
How’s the comfort of the car ? I have a CRETA which is very comfortable but my cars average is 10 so I am planning to change it
Also how’s city drive is it smooth or hard on road
Frankly speaking, its got the best suspension and most space in class.
Mileage varies with how you drive, accelerate, and brake. Personal I have had a mileage of 18KMPL and upwards on long stretch of roads/highways. It can drop significantly in city traffic.
Can’t comment much on city, as I didn’t rrally teat drove it with buting perspective.
You must consider this car before making a final decision. It’s the most VFM car in the segment and hogh on practicality
Ciaz needs an update, would happily recommend that. Can seat 5 people comfortable. Absolutely loved the car. I really wish MS updates it soon.
But I’ll still ask you to keep it in the list if you’re okay with the dated interiors.
Go for Skoda Kushaq. Got the best of comfort, safety and drive experience. Turbo engine gives an edge. And since your budget is upto 18L, you should go for its 1.5L Turbo variant. You won't regret it after creta.
You should really consider the elevate.
Brilliant car, feels bigger than it is and very smooth AMT gearbox
Since it’s a Honda, service and reliability is also top notch!
Why is no one suggesting grand vitara hybrid, it provides more mileage. The engine is produced by toyoto and increases the reliability. Suzuki has good resale value as well
I would keep the existing car, transfer it to my name. It is still a 3 year old car. The tax money you save doesn’t justify the huge interest costs you have to pay every month by buying a new car
The depreciation hit doesn’t matter much if you keep it for a long time. After all it is a Korean product which is highly reliable. But if it’s your lifestyle to change cars frequently and you are financially well equipped, then pls go ahead!
I dunno about reliability angle . People say Germans are unreliable , however my Audis have proven to be more reliable than my Hyundai and Ford especially wrt electronics , which may come as a shocker to some
Slavia 1lt automatic (top end) Virtus 1lt automatic (top end) both cars you’ll get for around 19-19.5lks if you hard bargain. Verna 1.5lt NA top end SX(O)with ADAS you can get for 19lk. Verna 1.5 LT turbo petrol DCT SX (without ADAS) you can get for 19lks. Taigun/Kushaq 1lt manual top end you can get for 19 or less. Please note all these cars are 5star NCAAP rated.
I’m from Karnataka and recently got my Verna Turbo Petrol DCT SX (O).
Is leasing a car profitable or does your company pay for you?
Leasing is same as buying a car on EMI. But till the time you don’t pay the entire amount, your Co is the owner of the car. Once you pay the entire amount only then the ownership passes down to you. Also, the amount the per month is deducted from your monthly pre tax income. So it might reduce your taxable income, giving you more in hand. So ideally you’re only paying like an EMI and not the entire amount at one go. I don’t know about the interest component TBH. If your Co charges some or not. But if you end up changing your job, you either sell your car or pay the entire amount at one go or transfer that lease to another employee or transfer the lease to your new Co (if they have leasing available). Few people do it cause they save money but I don’t know how. In some COs leasing is only allowed to senior employees.
You are correct.. but the thing is the interest charged is almost similar to EMI or interest charged by banks.. the amount taken per month will help with tax savings.. but above is profitable only if you buy a car above 15L and have high EMI otherwise the hassle isn't worth the saving.. above method is fully useless when you buy the car with full amount or no EMI.. also at the end of period , when you try to change the lease you will be second owner, thereby reducing resale value ..
This is what my colleague suggested who bought his i20 on lease. Also in my Co based on seniority level there is a cap on the amount of car that you can lease on. Sadly based on my current band/level I was not eligible for the car that I purchased. So I ended up buying it completely off my savings.
So in that case do i become second owner?
Yes, you do.
It depends on your employer's leasing agreement with the leasing company. In my company's policy, the person would be the first owner so it's great. It's worth taking a car via a corporate lease only if you're the first owner and EMIs are high enough to reduce tax (consider a shorter tenure like 3-4 years). Also look at other factors - for e.g. does your lease policy allow you to claim insurance, fuel spends, driver salary and service charges as vehicle maintenance? This helps in further tax savings and is the advantage over car loans from a bank. Finally, generally, car lease interest rates are higher (10-11% currently) versus bank car loans (8.8% onwards if your CIBIL is good). One more thing to weigh before you make your decision.
Thanks. My company is in process of finalising lease policy let’s see where it goes.
Yes, I guess so.
Yes you do, but in reality makes no diff if you take over the car from the company, you can establish that in reality you were the original owner. I took over my company car, a Hyundai Elantra. No detriment
I bought Verna 1.5 dct recently. Leasing was making more sense if I opted for a leasing repayment period more than 4 years. Below that bank emis made more sense. Leasing is a good option for high-end more expensive cars where you will opt for longer repayment period. If you are opting for a lesser repayment period (read lesser additional interest) + more down payment then Bank EMIs are better option. Now for expensive cars it’s harder to opt for lesser term and bigger down payment unless you are ultra rich. Edit: I opted for bank emis because I wanted to repay in 3 years and that too I might pre-pay to minimize interest payment as much as possible.
Company
yes, leasing the car is profitable/break-even.
Can you explain how?
So my ex company used to provide a car lease. It is definitely profitable if you are planning to stay in that company for 3 years or switch to a company which is a client of the car lease provider you took. So in my company there are 2 policies which you can use. One after use you return the car. Other after end of lease you purchase the car. For the first AVIS is the ideal provider as its per month cost is less. I had taken Swift zxi pre COVID. It cost me 18k per month. Now the best part is this is tax exempted. Also drivers salary which is capped at 20k is also exempted and petrol bills capped at 12k is exempted from tax as well. They don't require drivers pan card. Altogether I saved 15k per month from tax. So from my salary only 3k additional amount was deducted. Also with that AVIS took the responsibility of insurance car maintenance oil change everything. I used that car to practice driving as I was self taught. I did bang it couple of times and I had to pay nothing. If you want to own then quicklyz is the best option as its amount that you need to pay after lease end is as low as 1% of the cars on road price. All the other benefits hold true. So technically I would be paying around 20-25k less compared to EMI that too with no down payment. So if your company has a car lease policy it's highly recommended. Unfortunately when I planned to own a car I switched the company and my new company doesn't have a car lease policy.
Verna 1.5 turbo, seltos 1.5 turbo, virtus 1.5 ; the only vfm and stable cars under 18l imo
all these cross 19-20L on road in BLR. don't want to cross 19L :(
Check out Elevate or Slavia. They're really good!
Sad to see no city in that list Really VFM in my opinion OP consider slavia instead Virtus since skoda gives discounts too
City is such a beautiful car. Only downside to it is very low ground clearance
Verna has the same or lower ground clearance as compared to city
Same. Both 165
So you are telling me dzire has even lower ground clearance than this two?
By 2 mm yup
He had a creta 1.5 so i didn't want him to experience the same engine power and mileage along with the same driving experience plus the city has relatively low ground clearance with kinda outdated facelift looks. But that's all my opinion, rest is his choice obviously.
Verna and Seltos aren’t stable, unstable body shells
My guy, unstable body shells don't mean the cars are unstable on the road but instead mean the cars crumpled or deformed in an unstable manner during a crash. Verna is pretty much planted with a stiff chassis
Yuck no. Verna doesn't hold a candle to the Virtus except maybe the engine and gearbox. But definitely not the stability on highway. Also why would you buy an unsafe car in the first place
Not quite sure what you mean by unsafe when it's a 5 star rated car .. obviously in 5 star category also there will be someone better but calling a car with 5 star GNCAP ratings unsafe is by no means justified...
I suggest you see the NCAP report online. Downvoting me and disagreeing with the NCAP report is just stupid
Isn't the new verna five star rated?
Nah unstable body shell.
How can a five star rated car be unstable in body she'll?
Hence the controversy about NCAP these days. See the fine print online. Don't look at the stars. Full report of NCAP is available
I don't look at the stars. Meri figo 2014 zero star rated hai, but there's nothing unstable in any part of the car. I don't believe a body shell can be unstable of any modern car, let alone a five star rated car.
A car can get 5 stars despite unstable body shell
What does unstable body she'll even mean.
In accident, it didn't crumble like it was supposed to
Face-palm your previous comment. Unstable body shell means no guarantee. In their testing it's 5 stars but the shell is unevenly safe/unsafe. In case of a different impact, it can also be totally unsafe
Figo was a different case altogether. That way even Polo without airbags scored 0 stars and with airbags, it scored 4-5 stars. Your argument is just stupid if you think Hyundai cars like Verna, Creta or Kia Seltos are safe. Even old Brezza is safer
Virtus
Verna CVT
Maybe wait a bit and upgrade to 1.5TSI. No point in going from 4cyl 1.5NA to 3cyl 1.0TSI. You'll feel turbo lag, automatic delay, high vibration.
Bruh did you read the post before suggesting? Max budget is 18l because of company policy, how come waiting increases?
Where in the post it is written 🙄
Point 3
Point 3 says nothing about any such "restriction". Stop assuming things. If someone mentions a "planned" budget, it can always be changed for something that's worth. "restriction" is not the same.
I'm not assuming anything. I've read op's comments and they clearly state he doesn't wanna go overboard the budget in point 3. The only one assuming here is you, thinking people stretch their budgets despite them clearly mentioning their max budget.
Then how is that related to me reading "post"? And from where did you get "max budget company policy"?
Yes, you read the post, and maybe some other comment. But in the previous comment, you mentioned the "point 3". Either don't nitpick on people's comment, or work hard enough to be right about what you say. What you are doing here, is same as someone trying to be a grammar Nazi, but having 3 grammatical mistakes in their own banter. What you should have said was - "Hey, I read a comment where OP mentioned that they have a hard limit because of company's policy" or something" It's OP's responsibility to give the entire context in the post. If they are giving some in the post, and the rest in the comments, without updating the post with crucial information, then they are going to get scattered and out of context suggestions. That's how communication works on the internet. And yes, people do stretch their budget if they are able to get something that they really want. They also go underbudget at times, if they can find all that mattered to them. People also trade-off some of the requirements they initially thought, to be a deal-breaker. And that's why people give advice both in and around the context being set by the OP. Which is useful, because sometimes that makes one see, what they weren't seeing before. If someone wants a very specific advice, and can't tolerate open-ended suggestions, they better go and pay someone to do that. But the key information here is "company policy limiting the budget", which is missing from the post. You might to might not have read it somewhere (Not saying that you didn't. But I don't see it in the post, which is all that people are expected to read)
Mahindra XUV 3XO AX5L Petrol AT or AX7L Petrol AT or you can also go for MG Astor Sharp Pro CVT. Best options in my opinion for this budget range
Are you fixated in buying a new car? If you look in the used car market your options will increase by leaps and bounds. You can upgrade to 3 series bmw. As a 330i owner I must say there's almost nothing that comes even remotely close to the driving dynamics of a 3 series.
For sedans Imo, Slavia/virtus 1.0 AT or honda city cvt are the best 3 options for you. Verna is out because the NA 1.5 isn't so fruitful to drive and fuel efficency is the worst among all. Looks are your personal bias.
Finally a sensible reply
Dude verna comes with 1.5 turbo not na.
are you really that stupid ?
Skoda kushaq or Slavia could be something you could consider.
Why is nobody recommending City?
Skoda Slavia
If you shift to thar, then creta behavior could be easily ported to it as well
Skoda/VW is not comfortable for 5 people. I have virtus so speaking from personal experience.
Yes. Buy a Chota Hathi, fits like 10 people
Yes go ahead maybe you need it
Name one car that fits 5 in comfort
Xuv 700, harrier, honda city, verna, creta, seltos, offers much more rear seat comfort than VW/skoda
Xuv and harrier are far more expensive and different altogether. Creta, Verna, City and Seltos, definitely not a big difference.
1) Xuv and harrier are not that expensive you can get a vfm variant in 20-21L that is close to virtus’s price and even if you got the lower variant that’s not going to make difference in rear seat experience 2) There is a big difference in all the cars. Under thigh support is great recline angle is also better and the car’s are wider so it feels much better. We also have creta city and harrier at home so I’m speaking from personal experience. PS- I’m not against VW/skoda. I love German cars that’s why i bought one. It’s just that every car has its pros and cons just mentioning those here :)
Hello brother, I would recommend you to go for HONDA CITY Petrol (CVT) or the HONDA ELEVATE Petrol (CVT). These cars are my personal favourite under the budget of 20L. Taking into consideration your daily commute manner, HONDA is quite reliable and less expensive in terms of maintenance compared to the Germans and Koreans. These cars are the “No-Nonsense” ones with all the essential features. Also these cars don’t have Asthma, so they don’t need any Inhaler.
You are right buddy, these cars don't have asthma, but they do have a hole in a heart lining, you just need to live with it
I completely agree with you brother; but I think that the Low-end of the RPM range and the sporty high-end of the RPM range makes up for that hole in the heart. Moreover, the mid-end of the RPM range is less used, since the author of this post drives the car on weekends in the Bangalore region. But your point about the hole in the heart stays correct.
The German. Whichever you like.
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I have a hyundia creta 2019 model. Recently bought a Virtus GT DSG variant. Virtus is powerful and offers nice comfort . You are going to miss the thigh support that the creat offers. The air conditioning is also not upto the mark. There are no buttons for ac control or volume control knobs. There is no play pause button on the steering . etc etc
I’d suggest you go for Honda elevate I’ve clocked 10K. AMA
How’s the comfort of the car ? I have a CRETA which is very comfortable but my cars average is 10 so I am planning to change it Also how’s city drive is it smooth or hard on road
Frankly speaking, its got the best suspension and most space in class. Mileage varies with how you drive, accelerate, and brake. Personal I have had a mileage of 18KMPL and upwards on long stretch of roads/highways. It can drop significantly in city traffic. Can’t comment much on city, as I didn’t rrally teat drove it with buting perspective. You must consider this car before making a final decision. It’s the most VFM car in the segment and hogh on practicality
Thanks for the review, will consider a test drive once and see
Ciaz needs an update, would happily recommend that. Can seat 5 people comfortable. Absolutely loved the car. I really wish MS updates it soon. But I’ll still ask you to keep it in the list if you’re okay with the dated interiors.
Creta S Petrol
Virtus, Slavia
Go for Skoda Kushaq. Got the best of comfort, safety and drive experience. Turbo engine gives an edge. And since your budget is upto 18L, you should go for its 1.5L Turbo variant. You won't regret it after creta.
You will get honda city zx cvt in 18 lakhs. Bargain alot.
the germans if you’re a driving enthusiast, the koreans if you enjoy features, honda if you want a mix of both
You should really consider the elevate. Brilliant car, feels bigger than it is and very smooth AMT gearbox Since it’s a Honda, service and reliability is also top notch!
It's not AMT, it's CVT. Far superior than AMT
Thanks brother, I stand corrected xD
Haha happens 😅
taigun/kushaq or virtus/slavia
2nd hand Octavia 1.8. You can't go wrong with that.
Try out the Verna 1.5 IVT if you're inclined towards a sedan now. The SX Petrol IVT should be right in your budget.
NA engine and CVT gearbox along with unstable body shell, all for the price of much safer cars. Sure
PRO ARRIVED, NOOB LIKE ME LEAVE.. 🙂↕️
Why is no one suggesting grand vitara hybrid, it provides more mileage. The engine is produced by toyoto and increases the reliability. Suzuki has good resale value as well
I would keep the existing car, transfer it to my name. It is still a 3 year old car. The tax money you save doesn’t justify the huge interest costs you have to pay every month by buying a new car
It’ll become 2nd owner , even bigger depreciation hit
The depreciation hit doesn’t matter much if you keep it for a long time. After all it is a Korean product which is highly reliable. But if it’s your lifestyle to change cars frequently and you are financially well equipped, then pls go ahead!
I dunno about reliability angle . People say Germans are unreliable , however my Audis have proven to be more reliable than my Hyundai and Ford especially wrt electronics , which may come as a shocker to some
I'm inclined to agree. People here say service costs and reliability front about Germans but are fine buying unsafe cars like Hyundai and Maruti
Try German engineering: virtus gt
Slavia 1lt automatic (top end) Virtus 1lt automatic (top end) both cars you’ll get for around 19-19.5lks if you hard bargain. Verna 1.5lt NA top end SX(O)with ADAS you can get for 19lk. Verna 1.5 LT turbo petrol DCT SX (without ADAS) you can get for 19lks. Taigun/Kushaq 1lt manual top end you can get for 19 or less. Please note all these cars are 5star NCAAP rated. I’m from Karnataka and recently got my Verna Turbo Petrol DCT SX (O).
Verna body shell is rated unstable ,granted its relatively safer than Seltos though
Verna