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Showrooms sell you EMI, colour and a sunroof. What decides five years of ownership is the safety rating, the fuel or powertrain that suits your real running, boot and ground clearance for Indian roads, and service cost per year — none of which are on the price banner.

Find your fit

A few questions about your situation, not about the product.

What will you mostly use it for?pick one or more
How much do you drive a month?
How many people, usually?
Can you charge at home?

Answer all 4 questions to see the spec sheet to shop with.

The spec sheet, decoded

Global NCAP / Bharat NCAP rating

Independent crash-test stars for adult and child occupants.

Why it matters

This is the only comparable safety number; airbag count alone tells you nothing about body-shell strength.

What to check

Ratings apply to a specific variant and year. Base variants are often tested differently from top trims.

Petrol vs diesel vs CNG vs hybrid vs EV

The powertrain — what you refill, and how the running cost behaves.

Why it matters

Break-even depends on your monthly kilometres, not on which fuel is fashionable.

What to check

Diesel/CNG make sense above roughly 1,200–1,500 km a month; EVs need reliable home charging, not just public chargers.

Engine capacity, turbo and power/torque

Cc, and whether the engine is naturally aspirated or turbocharged; torque is pulling force.

Why it matters

Torque low in the rev range makes city driving relaxed; peak horsepower matters mostly on highways.

What to check

Small turbo-petrols give great brochure figures but real mileage drops sharply with a heavy foot.

Transmission (MT, AMT, CVT, DCT, torque converter)

How gears are changed.

Why it matters

AMT is cheap but jerky; CVT is smooth for city; DCT is quick but costlier to repair; torque converter is the most durable automatic.

What to check

Ask the out-of-warranty repair cost for the automatic before choosing it.

Real mileage vs ARAI figure

Claimed fuel economy is measured in lab conditions.

Why it matters

City mileage is typically 20–30% below the ARAI number, more with AC and traffic.

What to check

Compare owner-reported mileage for your city, and check tank size for range between fills.

Ground clearance and boot space

Height under the car (mm) and luggage volume (litres).

Why it matters

Under ~165 mm laden clearance scrapes on speed breakers; boot under 300 L struggles with family travel.

What to check

Quoted clearance is usually unladen — full car with five people sits lower.

Service cost and resale

Scheduled service intervals, labour rates, parts price and expected resale value.

Why it matters

Two cars at the same price can differ by a lakh over five years in service and depreciation.

What to check

Ask for the brand's published service-cost schedule for 5 years/50,000 km in writing.

Safety kit beyond airbags

ESC/ESP, ABS with EBD, ISOFIX, TPMS, 360 camera, ADAS.

Why it matters

Electronic stability control prevents crashes; airbags only reduce injury after one.

What to check

ESC and six airbags are often top-variant only. Confirm variant-wise, not brochure-wide.

Before you pay

  • Write down your monthly kilometres and city/highway split before picking a fuel type.
  • Check the exact variant's crash rating, not the model's.
  • Ask for on-road price break-up: ex-showroom, RTO, insurance, handling, accessories.
  • Take a test drive on a bad road and a speed breaker with passengers in the back.
  • Get 5-year service cost, insurance quote and expected waiting period in writing.

Common traps

  • !'Top variant only' safety features quoted while showing you the base-variant price.
  • !Free accessories worth ₹30,000 that are mostly stickers, mats and a cheap camera.
  • !Comparing ARAI mileage across petrol and diesel as if they cost the same per litre.

On-road price is 10–15% above ex-showroom; add insurance renewals and yearly service before you compare two cars.

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