I am a senior finance professional. After a long time find such a logical, truthful presentation from someone from the next generation. Great job done.🎉

This current generation definitely needs to see this video! It hurts 100% when someone you know is purchasing an expensive car beyond their capacity but doesn't even have an entry level health insurance to support his family in an unexpected situation.

Sunroofs are the most useless feature in India, but still people want them for showbaazi.

Mere hissab se MARRIAGE IS # 1 WEALTH KILLER of middle class . Not car

A True Car Expert and You-tuber , Always thinks about his viewers. Hats off sir

Bought Creta base variant mar 2021. Rs 11.5lakhs on road. Paid EMI of Rs 15100/- for 3 years. Sold April 2024 @Rs 8.35lakhs after 33k km . foreclosed loan. Not to mention petrol and running cost for 3 years. Loss hi loss. Show - Off ki chakkar main bahut loss ho gaya. Reason for selling - EMI chalana muskil ho raha tha being middle class with family 2 kids and parents. Now I use my brothers 2010 model Alto whenever I need. It has AC and power steering. I m happy to be free from EMi and depreciation. Peace of mind . Edit 1 - Forgot to mention something. I learnt that people don't care about your after market mods. I had done mods worth about 1.5 lakhs like 10.25 inch screen , Harman component speakers, faux leather seats , steering mounted controls , 16 channel amp etc, all people kept asking to judge it's price was whether it has sun roof or not. People really don't understand variants. They judge by three things , alloy wheels, touch screen and run roof ...

Govt should reduce taxes on cars below 1000cc Environment friendly step. Small cars with decent ground clearance

I'm driving a 15 years old Alto still running like a new one 😅

Asli ke note - if u want savings mentality use real cash. Very good advice. Cannot believe someone on KZfaq will give genuine advice. Hats off to you ❤

i20 owner here, 14 years and counting in NCR. The car still runs smoothly but this 15 year rule is gonna be a big headache next year

Nothing Wrong with Buying an Expensive car only if u can afford it

Aapka trademark intro "welcome to mycarhelpline kaise hai aap log" miss kiya sir. Accha tha. It's ur unique style

No Tata were harmed in the 32L wala example😂

Well said..cars are white elephants. I am a Doctorate in Mech Engg and have handsome income. I drive a 800 cc Renault kwid NXT which has all the requirements like power windows, power steering, entertainment, AC and most Importantly fuel economy. It gives me 28 km/ lit on highway after running 85,000 kms. It is compact easy to maneuver, easy to park and almost zero maintainance cost. It's pickup is extraordinary, even big SUVs can't beat it and when i overtake them on highways, i feel sorry for them. My colleagues who earn half of my income drive SUVs and they drive only on weekends because for daily travel,the cost is exorbitant and parking at work place is big problem. Earlier they used to tease me but now they are appreciating me but I don't bother about their comment I am happy with my life and that is important to me..

Finally someone tell truth about consumer buying behaviour,I purchased secand hand ford fiesta with cash and I am happy about with car, I was planning pay down payment and book a new car but Now i am happy No mentanance No EMI ha thoda mileage kam hai lekin chal jata 😊

The fact that he sat in a Honda City to make this video makes it even more good 😊

I have a 15 year old swift dzire zdi and will be renewing the registration. this car is very reliable even after 3 lacs kms on odo . I was thinking of selling this car and buying a new one. This video has opened my eyes to the financial mistake I would have made if I bought a new car.. I thank you sir for this great information.

Sunroof makes car look airy..i love panoromic sunroof not as a showoff. Reduces motion sickness (vomiting)

2010 My father bought first car Alto with cash. Used it till 2017. Wanted to buy new swift, which could cost me 8 Lakhs on road. Dad said only one thing. Never buy depreciating assets with loans. So with the 4 Lakhs cash I had, I bought used swift zxi in excellent condition and still using it.

Middle class people must not Cross a budget of 14-15lks maximum (on road price) when buying a car.

I am ok with my Ritz VDI, driven 2.2 lak, no issue..going tomorrow to cancel booking of Scorpio N

Govt is looting common man in the name of Taxes road tax toll tax surcharge etc....

The worst thing about SUV trend in Bharat is sedans have just vanished ! Sedans are way better than SUVs and it's sad !

Yes a much needed information and piece of advice, i thought of upgrading to creata N line and it costs me close to 23+ lakhs i will stick on with Honda Amaze brought on 2018 it still works fine and has Honda reliability I wanted to change only because of my friends peers and cousins and none are going to support me financially anytime, so it would make sense for me to save this money and use them to buy me home sometime later in the future.

I am a doctor with fairly good salary and i am driving a 2011 chev BEAT..people all around me r buying cars beyond their salary cap with EMIs & then they hv to earn for that bank..nvr understood why & how..most ppl r buying for show off!!!

The statement that "car is a depreciating asset" is completely wrong. And the wrong part is "asset" A car is not an asset, it is a commodity which you use and with use, its value will come down. So don't buy it like an asset, buy it like a commodity considering why you need it and will you be able to do justice to the hard earned money that you pay for it.

I almost fell for this trap. I own a four year old honda jazz vx cvt, butter smooth. Not a single issue till now. 46k kms. Was planning to upgrade to elevate. Then i thought to myself, why ? I didnt need it. Now i am very much satisfied and plan to keep my car for another 6 years

Bottom line. If you can buy it without loan and keep it for 20 years, then it’s worth spending.

100% true. But no one wants truth.😊

Sir, your suggestions are very much valuable. You had suggested Michelin tyres for car in a video which you have uploaded a few years ago and I switched to Michelin for my elite i20. Seriously the tyres has hardly lost any grip even after driving the car for 50k+ kms after switching to Michelin, also it punctures less. The financial advices in this video also feels helpful. Thank you.

This is a highly underrated video. This video should be made mandatory for new car buyers!

I was thinking selling my old car and buying new one but your video opened my eyes i will renovate my car instead 😊.

My family has only 3 members. so i bought Ignis car . Small car but reliable.

I love my 15-year-old Honda City Sedan manual transmission petrol. It's reliable, with a smooth-running AC, spacious interior, and ample boot space. The original speakers still sound great, the analog instrument cluster is dependable, and the central locking works perfectly. The engine runs well, making driving enjoyable. No need for an upgrade!

We are in Delhi NCR, with a 85k salary, and home loan EMI of 23k. Many a times I and wifey discuss about a car, but after some simple calculation, we arrive at a simple conclusion of not purchasing car and living happily. In Delhi NCR, Delhi Metro and Noida metro a working fine. Then state transporters like UPSRTC, UKSRTC, HPRTC, JKSRTC are offering some superior class Volvo bus and these days expressways, excellent roads are there. My 5 yr old Avenger Cruise 220cc is working superbly, rest we depend on Olas and Ubers. I certainly think that I don't need a car. Indian burgeoning middle class is running actually after only show-off.

I am 74 years, single, still driving in 80/90 kph speed on highways, driving 14 yr old Santro xing GLS runs like a song. Very sturdy with very quick pick up, strong AC. Next year l will extend registration for another 5 years. I will be 80 and on principle won't take long drive. Will keep this car until govt rules allow.

U simply nailed it. One should always purchase a car while always keeping the practicality in mind. The car must be economical, spacious, comfortable n must give a feel good factor.

Yeh kahi apne sahi baat, i own Grand i10 since 2016 without a single problem, and dealer calling repeatedly to exchange with SUV

One thing which everyone fails to understand. Cars are not asset, they are consumables. Similar to AC, Fridge, mobile etc... You buy it for luxury, not to earn profit on sale.

The thumb rule is to buy a car worth half your budget. If your budget is 10 lakh, buy a second hand for a 5, if it's 5, and you don't get a good car, you're better off not buying a car.

Really eye-opening session. In ongoing glam sham , permanent liability are created for permanent headaches in form of EMI. Aur Sach baat hai , kisi ko koi farak nahi padta ki aap kya chalate ho.

Hatchback is the best for city use + some extend highway use also, Punch,Tiago, i10 nios, swift bas enough. It is better to buy a Flat of 30-50 lakhs rather than a car..

SUVs are a nuisance on Indian roads. Their drivers are no different. Govt needs to promote small cars for India and not these environmentally detrimental SUVs. Its just crazy.

You are the only person who raised this sensible topic, i hope this sheep race and herd mentality people will understand if theh saw this video, subscribed!

Middle class should not spend more than 6 lakhs for a hatchback or more than 10 lakhs for a mid size car. Many cars are available in this range.

I love my 2nd generation HONDA CITY (original Japanese) but 15 years rule is hurting. Specially when all the pollution is being monitored by the govt. It's unnecessary and unjustified to force to scrap the vehicle which is running well under the pollution limits.

I have been following you for a long time, and I agree with every point you have made. Although many people nowadays fall into the trap of digital money and easy money availability, I could completely relate to the part where you said, "Pay in cash." I did this when buying my home. Even 200,000 rupees in 500 rupee notes looks like a substantial amount. I believe that if people start using cash instead of digital money, they might think more carefully before making any decisions.

Seven years later, my elite i20 continues to run flawlessly. I originally intended to sell it after a decade, but you've changed my perspective. Now, I plan to drive it for fifteen years.

बहुत अच्छी सलाह, पहली बार किसी ने दिया तो वो आप है l धन्यवाद सर l दिखावा पन लोगों के जीवन को मुश्किल बना रहा है l

This guy here is a gem of an individual...Absolute bang on explanation....people are going crazy on car loans without seeing the interest....Very well said sir...

Your observation that it pains to pay in real cash vs online - that's so so true.

Gaganbhai ekdum perfect bola aapne. I owned Maruti since 20 years only yearly service visits were now after buying SUV almost every 3 months I land up in service centre. 👍👍

No "Kaisse hai aap log" 😐

Other youtubers will never talk about these facts. Such a practical video.

So glad to see your honest review. This is one of the best video I have seen in recent years where a person is giving the right suggestions to the people.

Your video supported my decision not to buy the new Creta diesel with a sunroof. I have a Swift diesel top-end with a smooth 22 km mileage without any issues... Thanks..

aaj tak ka sabse hit vidio .... mujhe 5 saal ho gaye car news dekhte dekht par ......aaj sahi gyaam mila

Isilie bolta hun. Buy Honda cars. Reliable, no nonsense, easy to maintain cars. Decent fuel economy. Has all important features . Lacks gimmicky features

Sir, you nailed.. I was thinking about going for SUV. But now the Idea have been taken back. I am still happy with my Baleno delta 2016 warrient.

Over priced innova hycross, fortuner, over priced Scorpio and XUV700. ln fact none of the cars in the Indian Passenger market are VFM.. All are auper duper total waste of hard earned money. The govt is earning a lot of taxes and the automobile industry still keeps selling old and scrap models in India.

Car Manufacturers & Banks be like: Arey baap re ye to dhoti khol raha hai. . . . Anyways such a relevant video. Every word makes so much sense. Kudos for such practical advice.

I'm driving a 17 year old alto...and i can drive till 2027...then I will buy a 2nd hand wagon r😌

I own a 12 year old wagonr petrol in Cochin city. My average mileage is about 500km a month. I am 29 yrs. The kind of pressure I have to deal from my family to buy a new car is crazy 🤣🤣 I told them how i find it useless to invest 30k/m for a car that stays in the garage for most part. For longer drives which I feel my wagonR would be uncomfortable i rent an Innova. In my city I can rent an Innova for 3 days for just about Rs 12K. That's like I am keeping aside 1000/m for some long drives. I am very proud this decision for the following reasons. 1. As per company policy the maximum liability I have if some damage happens to the rented car is about Rs 37000 in my city. 2. Including fuel expense the rent is only Rs 12K meaning I can stretch myself to even 3 or 4 such long trips a year accounting to only Rs 3000/m . 3. I don't have to worry about hefty EMIs. 4. I don't have to worry about changing tyres, servicing, modifying or any such things 5. I don't own something that is depreciating in value day by day. 6. I can try out different vehicle based on purpose. 7. Whatever money I save by not paying any EMIs, i can invest on assets as well my business that will grow and build by net worth. Extremely proud that I do not own a car and am unaffected by my cousins and friends buying new vehicles. Such a peaceful life. PS - I have invested well on my personal insurance for medical as well as term.

Sir definitely it was eye opening video, totally agree 👌🏻 i was about to sell my brezza vdi automatic 2019 model just 5 yrs old car which had done 55k kms only & but dropped the plan because of emi .

Missing the old intro....

Bought a second hand Ecosport car at 5.5 L, repaired for another 1L, total 6.5 L...now enjoying the benefit of 1500 CC turbo engiene at only 6.5 L, and the Ecosport car, which is much better and comfortable to drive than todays many popular new SUVs.

Safety is the most important criteria, I would compromise on reliability for safety. Everyday hundreds of people are dying for unsafe car

Excellent episode....so very thoughtful of you. Middle class ' misplaced sense of aspiration needs such direct, in-your-face shake ups.... But pls do NOT leave out your signature "Kaise Hain Aap!"😢

They way you explain it I would say I never heard such advice so far from any automobile youtuber. Very well done sir, 👍

I’ve had 2 cars in my life and I bought them all without finance (alto, i20) planning to buy city next year. Only thing I am waiting for is to accumulate the full 16 lakhs. Plan is to keep this for 15 years. I kept the other two for 10 years each. And this will probably be my last car too as I would be 60 years old in 15 years.

A really good thought to ponder. Got myself a MG with so many features I simply forget many after a few days. Luckily EMI is over. But as said SUV's are definitely not for Bangalore city driving. Hat's off to this guy for sharing the stark truth.

Currently my go to recommendation for family purpose is either MS Baleno or Fronx(1.0 turbo) if going for a hatch. In sedans Honda Amaze is a very practical car for everyday use and long touring. In sub compact SUVs, either sonet or brezza. This is my upper limit and I'll not go for anything higher than this segment. I may compromise on few gimmicky features but I'll not have any major reliability issues as well. Because as the elctronics keep getting loaded in a car, so are the reliability issues. I'm not interested in Tata or Mahindra because of small niggles those cars have.

Sunroof is not for hot countries like India

I'm using preowned toyota etios cross vd. Purchased it for 4 lakhs and using it for 4 years and still going on. Driven 40k kilometres. Every single penny spent on the purchase is 100% worth it for me. I had lots of dreams of purchasing a new car. But after calculating all the expenses of owning a new car I've dropped that idea.

The Non-standard speed breakers are real pushers for car upgrades especially to SUV. Can you do something to make a mind of government on the std drawing of speed breakers? We will support you 👍 Can go for PLI too. Last time when I visited Pune, really impressed with the speed breakers there. By the way- a good video 🙏 I have 13 years old Jazz. My running is very low. Thinking of upgrading to Elevate. However, whenever I drive Jazz, it impresses me with the Drivability, space and everything.

perfectly said Sirji I could have gone for XUV700 topend petrol but didnt go overboard with the new purchase and choose XL6 Alpha+ MT since that satisfied most of my requirement at almost 50% of the cost

Already companies are struggling to sell the cars😂😂 and you are killing the desire of the people to buy the car.

Fully agree with you. Buying and changing cars frequently is the ' biggest wealth destroyer'.Cars which can run 100000 easily are being sold at 50% cost after clocking 30000 Km..!!! I am still using a 2004 model Santro Xing XS Model which has done only 85000 Km. It is running beautifully.

1. Volkswagen Polo TDI 2011 - Bought used on 2018 for 3.25 lakhs & sold on 2020 2. Honda city iVTEC 2010 - Bought used on 2020 for 3.3 Lakhs & Sold on 2023 3. Skoda Laura 2.0 TDI 2011 - Bought used on 2023 for 4.15 Lakhs & going strong with this From 2018 to now 2024, my salary increased 3X times, but i maintained the car budget almost same across the years, Not to forget the cars i owned are proper updates on regards to safety, Performance & Class

The first most practical discussion... Dil aur dimag ki ladayi hai Aap kiski mante hain , sb us pr depend krta hai

Bhai sahab bohot hi sahi baat ki hai aapne! Mene apni 8 Lac ki new Wagon R ki booking cancel karke 2019 Ford Figo Titanium kharid li 4 lac me! Just because I wanted to avoid the EMI.

Car and House are 2 things where u should not compromise if u can afford to buy.. if I am buying 20 lakhs car I would pay 9-10 lakhs downpayment n my EMI would be around 20k..person earning 2 lakhs per month can give 10 lakhs as downpayment. Why I would only pay 2 lakhs downpayment !!

To some extent you are right but for me this is surtra - "Mehant kro.. Paise kamao.. Invest kro properly and then buy which ever thing pleases you" I don't care about resale cause car is essential in today's life, and resale value of these will go down for sure... Accept it !! I am 33 years old.. started from bottom my earning from age of 23 and doing regular investments from past 8 years... Invested enough that only the monthly return from my investment is enough for monthly car EMI. I now purchased and good performance oriented car in 20 lac and I am happy with my decision cause I am planning to drive this car till 40.

So practical. A big thumbs up. I have spresso, my drive is in city mostly. And I am very happy with my car.

My 7 year old car i20 I am very happy. 🥰

150% agree with you brother. You talk logic and practical aspects of a car. One must watch your videos before planning to buy a new car.

I use a Dzire ZDI for last 12+ years. Runs like a song and I did almost 2.1Lakh km till now, driving all over India. I love the car.

"Hum theek nahi hai".... WHERE IS MY AGGRESSIVE *KESSE HAI AAP LOG* ???

Wait ... where's the 'Kaaisssey hai aap?" I miss the Sunny Paaji-inspired intro 😊

Very nicely presented. I was in the process of checking out new cars although I own one that is AMT and works just fine, just so that I could buy a bigger vehicle for the family. But your video helped me to make a decision of not buying a new car as you rightfully said that at the end of the day car is an asset whose value keeps depreciating with time ..almost a liability. Thanks once again for an honest presentation. God bless

Thank you sir ...I don't want a new car for time being .. Let my children grow..❤

Excellent video, meri Ecosport Diesel 8 saal se zyada puraani ho rahi hai… soch raha thha kya karu.. kaunsi gaadi lu. Aapke video ne kuchh to samajhdaari di hai mujhe. Thanks for the great advice bhai saab

Thanks someone who talk sense. The truth that many don't understand and realize late when they have already made the mistake.

I had 2011 Chevrolet aveo black color.. manual petrol ❤❤. Iast year I sold it to buy new car.now I miss my chevy . New cars are white elephants 🐘🐘😢😢

Using Swift Zdi 2017 2nd generation. Had a thought of changing my car. Now after seeing this video, I have changed my decesion. Decided to keep it for another 6 years. Thanks for the eye opening video.

You are correct. Previously I owned a Maruti Wagon R and a Renault Duster. The Maruti Wagon R served me flawlessly for 15 years, only with regular service. On the other hand Duster was always giving small problems making frequent visits to Repair Shop. Now I have sold both the Cars, and bought two Maruti Brezza. I am now Happy. 😀

Eye opener for every new car buyer

Thanks for the true information sir,ur words definitely save lots of money to our middle class people,and hats off to ur guidance 🙏🙏🙏🏻

Most practical channel on cars today .. respect to you from Shillong brother...👌

Mere hisab se kisi ko bhi apni 6-7 mahine ki income se jada price ki car nhi leni chahiye for example - 1 lakh per month income then buy 6-7 lakhs rupee car And the Emi should not be more than 10%.