Read This First
The three rules that save the most money — never negotiate on the EMI, everything in writing, only the on-road price counts.
The 2026 Festive Market, Decoded
What record September sales, 38-40 day dealer inventory and Maruti's 2 lakh bookings mean for the price you pay.
What Your Car Really Costs
On-road price anatomy, TCS recovery, EMI mathematics, down-payment strategy and the five-year ownership math.
GST 2.0: The Reform That Moved Car Prices
Why small cars pay 18%, SUVs pay 40% and EVs pay 5% — and how the sub-4-metre sweet spot reshapes your shortlist.
Choosing the Right Car
The needs-audit worksheet, fuel running costs per km, Bharat NCAP safety ratings, variant strategy and the test-drive protocol.
The Electric Question
PM E-DRIVE (no subsidy on private cars), the state road-tax map, home charging setup, battery warranty and break-even math.
Financing the Car
September 2026 rate tables, CIBIL tiers, the five charges that make a cheap loan expensive, and reading the sanction letter.
Insurance Without Overpaying
The 3-year rule, IDV, NCB, deductibles, the add-on shortlist, a worked zero-dep claim and the claim process step by step.
The Dealership Game
Three quotes, the fee audit, festive-offer decoding, negotiation scripts, the exchange decoded and booking protection.
Delivery Day Done Right
The 20-point inspection, where to find the critical numbers, and the registration sequence in plain terms.
After Delivery
Hypothecation removal, warranty and extended warranty, service discipline and the renewal that pays for the book.
If Something Goes Wrong
Your Consumer Protection Act rights, the escalation ladder, and a worked example of the full system saving ~₹60,000.
The Toolkit
Budget worksheet, negotiation checklist, document checklist, festive deal scorecard, ten questions to ask before any signature.
Speak the Language
A plain-English glossary of every term — IDV, NCB, TCS, HSRP, hypothecation and 15 more.
The Fifteen Numbers
The one-page quick reference to photograph before you walk into any showroom.
