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Best 7 Seater Cars in India 2025: Prices, Mileage & Top Picks

Indian families often prefer bigger vehicles that can comfortably seat everyone for long trips, daily commutes, or festive outings. That’s why the demand for 7 seater cars in India has grown rapidly over the years. From affordable MPVs designed for practicality to premium SUVs offering luxury and advanced technology, automakers today provide a wide variety of options that balance space, mileage, safety, and modern features. These cars not only cater to large families but also to those who enjoy road trips or need the flexibility of extra seating. In this blog, we’ll explore the top 7-seater cars in India, covering their prices, features, and mileage, while also discussing financing options to make them easier to own. Key Takeaways Discover the most popular and affordable 7 seater cars in India. Compare MPVs and SUVs across different budgets. Learn the pros and cons of owning a 7-seater. Understand how Piramal Finance’s used car loan can make large-family vehicles more affordable. Get answers to frequently asked questions. Table of Contents Why Buy a 7-Seater Car? Best 7 Seater Cars in India (2025) Maruti Suzuki Ertiga Mahindra Scorpio-N Toyota Innova Hycross Hyundai Alcazar Kia Carens Mahindra XUV700 Factors to Consider Before Buying a 7-Seater Pros and Cons of 7-Seater Cars The Used Car Advantage Financing Your 7-Seater with Piramal Finance Final Thoughts FAQs Why Buy a 7-Seater Car? Indian households often include extended families, and road trips are common. This makes a 7-seater ideal because: Space: Extra seating ensures everyone travels comfortably. Flexibility: Seats can often be folded for luggage space. Practicality: Perfect for families, carpools, and shared commuting. Variety: Options range from budget MPVs to premium SUVs. This versatility is why the market for 7 seater cars in India continues to grow. They can be sometimes costly or out of your budget but theres always an option to buy a second hand 7 seater and just to add on you can anyways apply for a used car loan to make it affordable. Best 7 Seater Cars in India (2025) Maruti Suzuki Ertiga Price: ₹8.7–13.1 lakh. Mileage: 20–26 km/l (Petrol & CNG). Why it’s popular: Reliable, fuel-efficient, and affordable. The Ertiga is one of the best-selling 7 seater cars in India, especially suited for families looking for a value-for-money MPV. Mahindra Scorpio-N Price: ₹13.5–24 lakh. Mileage: ~15–16 km/l (Diesel). Highlights: Rugged SUV, strong road presence, powerful engine. For buyers wanting a tough SUV with real off-road capabilities, the Scorpio-N is a strong choice. Toyota Innova Hycross Price: ₹18–29 lakh. Mileage: ~21 km/l (Hybrid). USP: Premium build, hybrid engine, captain seat options. Known for durability and resale value, the Innova has become synonymous with 7 seater cars in India. Hyundai Alcazar Price: ₹16–21 lakh. Mileage: ~18–20 km/l. Why it works: Stylish design, multiple engine choices, premium interiors. The Alcazar is essentially a stretched Creta, adding practicality and luxury to the mix. Kia Carens Price: ₹10.5–18 lakh. Mileage: 16–21 km/l. Highlights: Modern design, feature-rich interiors, excellent safety. The Carens is a great option for families seeking affordability without compromising on features. Mahindra XUV700 Price: ₹13.9–26 lakh. Mileage: ~16–18 km/l. USP: ADAS features, powerful engines, futuristic design. The XUV700 is one of the most advanced 7 seater cars in India, offering luxury at a competitive price. Factors to Consider Before Buying a 7-Seater Before selecting your vehicle, keep these in mind: Budget: Prices range widely, so choose what fits your finances. Fuel Type: Petrol, diesel, hybrid, and even EVs are entering the market. Safety: Look for airbags, ABS, and high NCAP ratings. Usage: Frequent highway driving may require stronger engines and better suspension. Resale Value: Brands like Toyota and Maruti generally fare better. Pros and Cons of 7-Seater Cars Pros Spacious enough for large families. Flexible seating/luggage space. Excellent road presence. Available across all price ranges. Cons More expensive than compact cars. Lower mileage compared to hatchbacks. Parking can be challenging in urban areas. The Used Car Advantage Buying a used 7-seater often makes sense: Lower upfront cost: Premium models like Innova or XUV700 become affordable. More variety: Discontinued models like Honda BR-V or Chevrolet Tavera are available. Slower depreciation: Well-maintained 7-seaters hold value in the resale market. This makes pre-owned 7 seater cars in India a smart choice for budget-conscious buyers. Financing Your 7-Seater with Piramal Finance A 7-seater might seem like a big investment, but Piramal Finance makes it easier with a used car loan. Benefits include: Flexible EMIs suited to your budget. Quick approvals with minimal paperwork. Financing options for both new and used vehicles. Whether it’s an Ertiga for daily commutes or an Innova Hycross for luxury family trips, Piramal Finance ensures your car loan is stress-free. Final Thoughts The market for 7 seater cars in India is more exciting than ever. From affordable family-friendly models like the Ertiga to premium hybrids like the Innova Hycross, there’s something for every buyer. By considering your budget, fuel type, and space needs, you can pick the perfect model. And with Piramal Finance, owning a 7-seater becomes simple and affordable. FAQs Which is the cheapest 7-seater car in India? The Maruti Suzuki Ertiga is one of the most affordable new options. Which 7-seater has the best mileage? The Toyota Innova Hycross (hybrid) offers ~21 km/l, among the best in its class. Are 7-seater cars good for city driving? Yes, but compact models like the Kia Carens are more city-friendly. Can I buy a 7-seater under ₹10 lakh? Yes, entry-level trims of the Ertiga are priced just under ₹10 lakh. Which 7-seater has the best resale value? Toyota Innova models usually lead in resale value. Can I finance a 7-seater? Yes, Piramal Finance offers car loan solutions tailored for both new and used 7-seaters. Do 7-seaters come with safety features? Yes, most now include airbags, ABS, and some even have ADAS features like lane assist.

25-08-2025

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How to Get FASTag - Online & Offline Application Guide

Long waits at toll plazas used to be a common problem for drivers in India. With the introduction of FASTag, this issue has almost disappeared. FASTag is an electronic toll collection system that uses Radio Frequency Identification (RFID) technology to make toll payments directly from your prepaid account. If you’re wondering how to get FASTag for your car, this blog explains the process in simple steps. We’ll also cover where to buy FASTag, required documents, recharging, benefits, and tips to avoid common mistakes. Whether you’re driving a new car or a used one purchased through a used car loan, having FASTag is now mandatory for smooth travel on national highways. Key Takeaways FASTag is a digital toll collection system based on RFID technology. It can be purchased online through banks, payment apps, or offline at toll plazas. Key documents required include RC copy, passport-size photo, and KYC ID proof. FASTag saves time, fuel, and makes road trips more convenient. Knowing how to apply for FASTag ensures hassle-free long-distance driving. Table of Contents Introduction What is FASTag and Why is it Important? Documents Required to Get FASTag How to Apply for FASTag Online How to Get FASTag Offline How to Recharge FASTag Easily Common Issues and Solutions FASTag Rules in India You Should Know FASTag for New vs. Used Cars Conclusion FAQs Introduction Traveling across India’s expanding road network has become easier with FASTag. Whether you’re buying a new car or considering one of the best resale value cars in India, a FASTag is compulsory for all vehicles. Knowing how to get FASTag ensures you avoid penalties and long waiting times at toll plazas. What is FASTag and Why is it Important? FASTag is a small sticker affixed to your car’s windshield. It uses RFID technology to deduct toll charges automatically from a linked account when you cross a toll plaza. The system was made mandatory by the government to reduce congestion and improve fuel efficiency. Once you know how to apply for FASTag, you can enjoy seamless travel without handling cash or waiting in long queues. Documents Required to Get FASTag To complete the application, you need a few basic documents: Vehicle Registration Certificate (RC) Passport-size photograph of the owner KYC documents (Aadhaar card, PAN card, or driving license) If you’re purchasing a car with the help of car loan, the dealer often assists in applying for FASTag. How to Apply for FASTag Online The easiest way is through banks, digital wallets, or government websites. Here’s how to apply: Visit a FASTag-issuing bank website (like SBI, ICICI, HDFC) or payment apps. Fill out the application form with your details. Upload scanned copies of required documents. Pay the issuance fee and minimum balance. FASTag will be delivered to your address. Many people search for how to get FASTag for second-hand cars. The process is the same, but ensure ownership details are updated in the RC before applying. How to Get FASTag Offline If you prefer offline, FASTags can be purchased at: Toll plazas (dedicated FASTag counters) Selected banks and RTO offices Vehicle dealerships during purchase For used cars, dealers often include FASTag as part of the handover, but you may need to update details if the ownership has changed. How to Recharge FASTag Easily Recharging is quick and can be done via: UPI apps like Paytm, PhonePe, Google Pay Bank net banking portals NHAI wallet app Always keep a sufficient balance to avoid blacklisting. If you’re planning long-distance travel, top up beforehand. Knowing how to apply for FASTag and recharge it on time saves both money and stress. Common Issues and Solutions Low balance: Recharge via UPI instantly. Tag not detected: Ensure proper placement on windshield. Ownership mismatch: Update KYC and RC details if you bought a used car. This is similar to updating records during processes like the RTO hypothecation removal process online, which ensures your vehicle details are accurate. FASTag Rules in India You Should Know FASTag is mandatory for all four-wheelers. Double toll charges apply if you don’t have FASTag. Tags have a five-year validity and can be recharged as needed. Each vehicle needs its own tag—no sharing across cars. FASTag for New vs. Used Cars New Cars: Dealers usually include FASTag at the time of purchase. Used Cars: You must apply separately if the previous owner’s tag is invalid. While exploring how to get FASTag, used car buyers should also check insurance, RC, and emissions certificates to ensure compliance. Conclusion Getting a FASTag is no longer optional—it’s a necessity for all car owners. Whether you’re researching how to get FASTag for your new purchase or learning how to apply for FASTag for a used vehicle, the process is simple and convenient. Along with saving time and fuel, FASTag makes road trips stress-free. For those planning to buy a used car, pairing your purchase with a used car loan ensures affordability while staying compliant with rules. FAQs How long does it take to get a FASTag? Usually, online applications are processed within 3–5 working days, and the tag is delivered by courier. Can I transfer my FASTag to another vehicle? No, each vehicle requires its own FASTag linked to its registration number. What is the cost of a FASTag? The cost includes an issuance fee (₹100–₹200) and a refundable security deposit depending on vehicle type. What happens if my FASTag is not working? You should contact your issuing bank or app. In some cases, a replacement tag may be needed. Do I need FASTag for a second-hand car? Yes, even used cars require FASTag. Just ensure the RC ownership details are updated before applying.

25-08-2025

How To?

How to Get BH Number Plate

The BH number plate (Bharat Series) is a new vehicle registration system introduced in India to make interstate travel and ownership transfers easier. It has become especially useful for professionals who move across states frequently due to job postings or business opportunities. Unlike traditional number plates, which are tied to a single state, the BH series is valid nationwide, eliminating the hassle of re-registration every time you relocate. In this blog, we’ll explain what the BH number plate is, its benefits, eligibility criteria, step-by-step process to apply, documents required, costs involved, and its overall impact on both new and used car buyers. Key Takeaways BH number plate allows seamless vehicle use across all Indian states without re-registration. Ideal for employees of central/state government, defense services, or private firms with offices in multiple states. Application can be done online through the MoRTH Vahan portal. BH registration comes with road tax benefits and convenience. Buyers can finance new or pre-owned cars with a used car loan. Table of Contents Introduction to BH Number Plate Why Was the BH Number Plate Introduced? Who is Eligible for a BH Number Plate? Step-by-Step Process to Apply Documents Required for Application Road Tax and Cost Structure Benefits of BH Number Plate Things to Keep in Mind BH Number Plate for Used Cars FAQs Introduction to BH Number Plate The BH number plate was introduced in August 2021 by the Ministry of Road Transport and Highways (MoRTH). Its full form is Bharat Series registration mark. Unlike regular number plates that are tied to a specific state, a BH plate is valid throughout India. The BH series is one of the newest among the many types of number plates in India, each serving a unique purpose. This new format makes it easier for vehicle owners who relocate often due to work transfers, as they no longer need to re-register their car in every new state. Why Was the BH Number Plate Introduced? Earlier, when someone shifted to another state, they had to re-register their vehicle within 12 months, pay road tax again, and apply for a refund from the original state. This process was long and inconvenient. The BH number plate simplifies this by offering: One-time registration valid pan-India. Flexibility for job relocations. Streamlined road tax payment structure. This system reflects India’s move toward digitization and ease of mobility. Who is Eligible for a BH Number Plate? Not everyone can apply for a BH number plate. Currently, it is available to: Central and state government employees. Defense personnel. PSU employees. Employees of private companies with offices in at least four states or union territories. The employer must provide an official ID or eligibility certificate for the applicant. Step-by-Step Process to Apply Here’s how to apply for a BH number plate: Purchase of Vehicle: Buy your car from a dealership that is registered under the BH scheme. Application Submission: Fill out Form 60 and submit along with employer eligibility proof. Upload Documents: Log in to the MoRTH Vahan portal to upload documents like proof of employment, ID, and address. Payment of Road Tax: Pay road tax online as per the BH system. Allotment of Number: The RTO issues a BH series number in the fYY BH #### XX.ormat Example: 22 BH 4567 AA Documents Required for Application Applicants must submit the following documents: Form 60 application. Identity proof (Aadhaar, PAN, etc.). Employment certificate from government or private employer. Proof of address. Vehicle invoice. Road tax payment receipt. Road Tax and Cost Structure In the BH number plate system, road tax is paid in two-year blocks instead of a lump sum for 15 years. Vehicles costing under ₹10 lakh: 8% road tax. ₹10–20 lakh: 10% road tax. Above ₹20 lakh: 12% road tax. For electric vehicles, the tax is 2% lower. This flexible tax payment makes owning cars more affordable, especially for buyers looking at premium models like the most comfortable car in India. Benefits of BH Number Plate The BH number plate provides several advantages: No need for re-registration when shifting states. Digital process through Vahan portal. Shorter paperwork and less RTO hassle. Easy transfer of ownership. Flexible tax payment. While the BH plate ensures convenience across states, some buyers also chase exclusivity by bidding for the most expensive number plate in India. Things to Keep in Mind While the BH system is convenient, keep these points in mind: Not available to all private individuals yet. Vehicles with BH numbers cannot be registered offline — only online via the portal. Road tax must be renewed every two years (instead of once for 15 years). If eligibility criteria no longer apply, the number can be converted into a regular state number. BH Number Plate for Used Cars The BH number plate isn’t limited to new cars. Even used cars can be transferred under this scheme if the buyer meets eligibility requirements. When purchasing a pre-owned vehicle, ensure proper ownership transfer using the vehicle transfer form, and confirm the BH number details are updated in the Vahan system. Financing such purchases is easy with a car loan, which helps spread costs over EMIs while enjoying the tax flexibility of BH registration. FAQs Can I apply for a BH number plate if I am self-employed? Currently, no. Only salaried employees of government, defense, PSUs, or registered companies with offices in four states are eligible. Can I convert my existing state number into a BH number plate? No, this option is only available for new vehicle registrations or ownership transfers under the scheme. Do all dealers provide BH registration? No, only dealers authorized under the MoRTH BH scheme can issue applications. Always confirm with your dealer before purchase. Can I sell a car with a BH number plate to someone in another state? Yes, but the new buyer must also meet BH eligibility. If not, the car will need to be re-registered under the local RTO. What happens if I stop working at a company with multiple-state offices? Your BH number plate can be converted into a regular state registration at your current address.

22-08-2025

How To?

How to Find Vehicle Owner Details by Number Online in India

There are many situations where you may need to know the car owner details of a particular vehicle. Whether it’s after a road accident, buying a second-hand car, or dealing with a suspiciously parked vehicle, having access to the right information can be extremely useful. With advancements in digital services, it has become easier than ever to find vehicle owner information online in a legal and straightforward way. This blog explains the different methods to get vehicle owner name by vehicle number, how to use government-authorized platforms, and the precautions to keep in mind while accessing such data. Key Takeaways Learn how to legally obtain vehicle owner details by number. Explore the government-approved apps and websites available in India. Understand when and why you might need to find vehicle owner details. Know the limitations and privacy rules related to vehicle data access. Table of Contents Why Would You Need to Find Vehicle Owner? Legal Framework Behind Vehicle Owner Details How to Find Vehicle Owner Name by Vehicle Number Online Using Parivahan Website for Car Owner Details mParivahan App: Quick Access to Vehicle Owner Details SMS Service for Vehicle Information When Should You Use Vehicle Owner Details? Risks of Misusing Vehicle Owner Information Vehicle Ownership Transfer and Importance of Accurate Records Final Thoughts FAQs Why Would You Need to Find Vehicle Owner? There are several everyday situations where you might want to know the vehicle owner details by number: After a hit-and-run accident to identify the vehicle involved. While purchasing a used car, to ensure the seller is the actual owner. Reporting suspicious or illegally parked vehicles. Verifying vehicle details during insurance claims. In such cases, knowing how to find vehicle owner details can help you make informed decisions. Legal Framework Behind Vehicle Owner Details The Government of India maintains a centralized database called VAHAN, which stores details of all registered vehicles. Access to car owner details is provided under specific circumstances to ensure transparency and accountability. However, this data is protected by privacy laws. You are allowed to view limited information such as vehicle owner name by vehicle number, registration date, fuel type, and insurance validity, but not sensitive personal details like address. How to Find Vehicle Owner Name by Vehicle Number Online The most popular and legal method to find vehicle owner information is through the VAHAN portal. Steps include: Visit the official VAHAN website (https://vahan.nic.in). Go to the “Know Your Vehicle Details” section. Enter the vehicle registration number. Submit the captcha code. The system will display details such as vehicle owner name by vehicle number, registration date, and insurance details. This method is quick, free, and reliable for getting vehicle owner details by number. Using Parivahan Website for Car Owner Details The Ministry of Road Transport and Highways (MoRTH) has developed the Parivahan Sewa portal, which allows citizens to check car owner details online. Information you can access includes: Vehicle owner’s name (masked partially for privacy). Registration date and state. Chassis and engine number (partially hidden). Validity of insurance and pollution certificate. This system is especially helpful when verifying ownership before purchasing a used car. If you are buying a second-hand vehicle through a used car loan, verifying the seller’s details is crucial to avoid fraud. mParivahan App: Quick Access to Vehicle Owner Details Another official source is the mParivahan mobile application, which allows users to find vehicle owner information easily. Steps to use the app: Download mParivahan from the Play Store or App Store. Enter the vehicle registration number. Instantly view car owner details, model, fuel type, and insurance status. This app is particularly handy during emergencies like accidents or traffic disputes, as you can quickly fetch vehicle owner details by number on the spot. SMS Service for Vehicle Information For those who do not have internet access, the Ministry of Transport also provides an SMS service: Type VAHAN <space> Vehicle Registration Number. Send it to 7738299899. Receive details like vehicle owner name by vehicle number, registration date, and model. This service makes it simple for people even in remote areas to verify car owner details. When Should You Use Vehicle Owner Details? The option to find vehicle owner is helpful in many scenarios, including: Filing a police complaint after an accident. Confirming ownership before completing a sale. Validating insurance claims. Checking documents during vehicle ownership transfer. For example, if you are completing the RTO hypothecation removal process online, ensuring accurate ownership records is essential for smooth transfer of documents. Risks of Misusing Vehicle Owner Information While it is useful to have access to car owner details, misuse of this data is strictly prohibited. Selling or using this information for marketing or fraudulent purposes can result in legal penalties. Always use vehicle owner details by number only for genuine reasons like safety, verification, or legal procedures. Vehicle Ownership Transfer and Importance of Accurate Records When buying or selling a car, it is critical to complete the vehicle ownership transfer form and update the RTO records. If you fail to do this, the previous owner may still be legally responsible for accidents, fines, or crimes involving the car. That’s why checking car owner details before finalizing a purchase is not just a precaution, but a necessity. Especially when buying a used vehicle through a car loan, verifying ownership avoids disputes later. Final Thoughts Access to vehicle owner details by number has become much simpler with government-approved platforms like VAHAN, Parivahan Sewa, mParivahan, and SMS services. These systems ensure transparency while maintaining privacy. Whether you want to verify car owner details before buying a second-hand car, or need to identify a vehicle after an accident, these methods give you reliable information. For anyone considering a used car purchase, combine these checks with proper financing. A used car loan allows you to own your dream car while ensuring you are financially secure, and confirming the seller’s details gives you complete peace of mind. FAQs How can I find vehicle owner details by number online? You can use the VAHAN or Parivahan Sewa portals by entering the registration number. Can I get the car owner’s address online? No, only limited details such as vehicle owner name by vehicle number are provided for privacy reasons. Is it legal to find vehicle owner details? Yes, as long as you use official government platforms like VAHAN and Parivahan. Can I use SMS to get car owner details? Yes, by sending the registration number to 7738299899 in the specified format. Why should I verify car owner details before buying a used car? To ensure the seller is the legitimate owner and to avoid fraud during transactions.

22-08-2025

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Overdraft vs Personal Loan: Key Differences

When it comes to borrowing money, banks and financial institutions offer different products to meet different needs. Two of the most commonly compared options are an overdraft facility and a personal loan. While both provide financial support, they work in very different ways. Understanding overdraft vs personal loan can help you choose the right option based on your requirements. What is an Overdraft Facility? An overdraft (OD) facility is a credit arrangement linked to your savings or current account. It allows you to withdraw more money than you actually have in your account, up to a pre-approved limit. Example: If you have ₹10,000 in your account and your bank gives you an overdraft limit of ₹40,000, you can withdraw up to ₹50,000. Interest charged: Only on the amount you use, not on the entire limit. Flexibility: You can repay whenever you want, and interest is calculated daily. This makes overdrafts useful for short-term cash flow issues or emergency needs. What is a Personal Loan? A personal loan is a fixed-sum loan borrowed from a bank or NBFC, which you repay in equated monthly instalments (EMIs) over a set period. Loan amount: Usually ranges from ₹50,000 to ₹25 lakh depending on your profile. Tenure: 1 to 5 years (sometimes up to 7 years). Interest rate: Fixed, usually between 10% – 24% p.a. Repayment: Monthly EMIs till the loan tenure ends. A personal loan is ideal for planned expenses like weddings, medical bills, education, or debt consolidation. Key Differences Between Overdraft vs Personal Loan Feature Overdraft Facility Personal Loan Nature of Credit Flexible credit linked to your account Fixed loan amount disbursed upfront Usage Borrow as much as you need within the limit Borrow the entire loan amount Interest Charged Only on the amount you withdraw On the full loan amount, from day one Repayment Flexible; repay anytime Fixed EMIs over the loan tenure Tenure No fixed tenure, limit can be renewed annually 1 – 7 years depending on lender Eligibility Usually for account holders with good credit history Open to salaried and self-employed borrowers Best For Short-term needs, irregular expenses Planned expenses, big-ticket requirements Which One Should You Choose? Choose Overdraft if you need quick, short-term funds and want flexibility in repayment. For example, business owners often prefer overdrafts for handling cash flow gaps. Choose Personal Loan if you need a larger lump sum amount for planned expenses like higher education, weddings, or medical emergencies. EMIs make repayment more disciplined and predictable. Final Thoughts Both overdrafts and personal loans are useful borrowing options, but they serve different purposes. An overdraft offers flexibility and is great for short-term needs, while a personal loan provides structured repayment for long-term financial requirements. Assess your financial situation and repayment capacity before deciding which one works best for you.

22-08-2025

Tips & Advice

Zero Dep vs Comprehensive Car Insurance

When buying a car insurance policy, most people face confusion between zero depreciation cover (zero dep) and a standard comprehensive insurance policy. Both offer wide protection, but their coverage, costs, and benefits vary significantly. Understanding the difference between zero dep and comprehensive insurance will help you make a smarter choice, save money, and protect your vehicle better. Key Takeaways Learn what zero dep and comprehensive car insurance mean. Understand the comprehensive vs zero dep debate in simple terms. Discover when it’s better to choose zero dep cover. Explore practical examples to understand coverage differences. Table of Contents What Is Comprehensive Car Insurance? What Is Zero Depreciation Cover? Comprehensive vs Zero Dep: The Core Difference Key Features of Zero Dep Cover Benefits of Comprehensive Insurance Who Should Choose Zero Dep Over Comprehensive? Cost Comparison: Zero Dep vs Comprehensive Example Scenarios: How Claims Differ Pros and Cons of Both Options Final Thoughts FAQs What Is Comprehensive Car Insurance? A comprehensive insurance policy is the most common form of car insurance. It covers: Damages to your own car caused by accidents, fire, natural calamities, or theft. Third-party liability, i.e., injury or damage to another person’s vehicle/property. However, comprehensive policies don’t cover the depreciation of car parts. This means if your bumper is damaged, the insurance company will deduct depreciation value and pay only the reduced cost. What Is Zero Depreciation Cover? A zero depreciation cover (or zero dep) is an add-on to your comprehensive insurance policy. It ensures you get the full claim amount without deductions for depreciation. Example: If your car’s bumper costs Rs. 10,000 and it depreciates by 30%, under standard insurance you’ll only get Rs. 7,000. With zero dep, you get the full Rs. 10,000. This is why many new car owners prefer zero dep, as it provides maximum protection against repair costs. Comprehensive vs Zero Dep: The Core Difference The difference between zero dep and comprehensive insurance lies in how claims are settled: Feature Comprehensive Insurance Zero Depreciation Insurance Coverage Own damage + third-party liability Own damage + third-party + 100% parts replacement Depreciation Deduction Yes No Premium Cost Lower Higher Best For Older vehicles, budget-conscious buyers New cars, expensive cars, luxury cars Key Features of Zero Dep Cover Covers full cost of repairs without depreciation cuts. Usually available for cars less than 5 years old. Covers fiber, metal, and plastic parts fully. Add-on cost varies but can save huge repair expenses. This add-on is especially useful if you bought your vehicle through a used car loan or new car loan, as it prevents you from spending extra out of pocket during accidents. Benefits of Comprehensive Insurance Affordable premium compared to zero dep. Suitable for older cars where repair costs are lower. Still provides broad protection against theft, fire, floods, and accidents. Includes mandatory third-party liability coverage. If you own a car that has already undergone significant depreciation, sticking to comprehensive insurance makes financial sense. Who Should Choose Zero Dep Over Comprehensive? Choose zero dep insurance if: Your car is brand new or less than 5 years old. You own a luxury or high-value car where spare parts are expensive. You’re a first-time car buyer who wants maximum financial protection. You’ve financed your car with a car loan, so you don’t want surprise repair costs. On the other hand, comprehensive works better for older vehicles where the premium difference may not be worth it. Cost Comparison: Zero Dep vs Comprehensive Comprehensive Insurance → Lower premium, higher out-of-pocket repair costs. Zero Dep Insurance → Higher premium, minimal repair expenses. For example, if your comprehensive premium is Rs. 12,000 per year, zero dep may cost Rs. 15,000. The extra Rs. 3,000 could save you Rs. 30,000–50,000 in repair bills after a major accident. Example Scenarios: How Claims Differ Scenario 1: Minor Accident Comprehensive: Claim paid after depreciation cut. Zero Dep: Full claim amount for parts and repairs. Scenario 2: Major Accident Comprehensive: You pay a portion of the repair cost. Zero Dep: Insurance pays full replacement costs. Scenario 3: Old Car (6+ years) Comprehensive: Best value as car already depreciated. Zero Dep: Usually not available. This makes the difference between zero dep and comprehensive insurance clearer in real-life situations. Pros and Cons of Both Options Comprehensive Insurance Lower premiumSuitable for older carsHigher repair costs due to depreciation Zero Dep Insurance Maximum coverage for new carsIdeal for luxury or financed carsHigher premiumLimited availability (new cars only) Final Thoughts Both comprehensive and zero dep have their place. If you own a new or luxury car, zero dep cover ensures maximum financial protection. If your car is older, a comprehensive insurance plan without the add-on may be sufficient. When deciding, always weigh your car’s age, value, and whether it’s financed with a car loan or used car loan. Choosing the right policy will protect your finances, keep you stress-free, and ensure your vehicle stays road-ready without surprise expenses. FAQs What is the main difference between zero dep and comprehensive insurance? Zero dep covers full repair costs without depreciation, while comprehensive deducts depreciation. Is zero dep mandatory? No, it’s optional but highly recommended for new cars. How long is zero dep cover available? Usually for cars up to 3–5 years old. Which is cheaper: comprehensive vs zero dep? Comprehensive has a lower premium but higher out-of-pocket repair costs. Can I take zero dep for a used car? Some insurers allow it for cars less than 3 years old. Does zero dep cover engine damage? Some policies include it, others require an add-on. Always check terms. Is comprehensive insurance enough without zero dep? Yes, for older cars where repair costs are lower. Does having a car loan affect my choice? Yes, if you have a loan, zero dep ensures you don’t face financial strain after accidents.

22-08-2025

Tips & Advice

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Comprehensive Car Insurance in India

When buying a car, choosing the right insurance policy is as important as the vehicle itself. Among the different types available, comprehensive car insurance offers the broadest protection. It covers not only third-party liabilities but also damages to your own car, theft, and natural disasters. This guide will help you understand what comprehensive insurance means, why it matters, what it covers, and how to choose the right plan in India. Key Takeaways Comprehensive car insurance protects both third-party damages and your own vehicle. It covers accidents, theft, fire, natural disasters, and man-made damages. Add-ons like zero-depreciation, roadside assistance, and engine protection enhance coverage. Though costlier than third-party insurance, it offers peace of mind and long-term savings. Financing through a second hand car loan makes owning and insuring a car more affordable. Table of Contents What is Comprehensive Car Insurance? Why Comprehensive Insurance is Important Coverage Offered Under Comprehensive Car Insurance Key Add-Ons to Consider Difference Between Comprehensive and Third-Party Insurance Benefits of Comprehensive Car Insurance Limitations of Comprehensive Policies Factors That Affect Premiums How to Choose the Best Comprehensive Car Insurance Plan Financing Car Ownership and Insurance Together Final Thoughts FAQs What is Comprehensive Car Insurance? Comprehensive car insurance is an extensive motor insurance policy that covers both third-party liabilities and damages to your own vehicle. Unlike third-party coverage, which is mandatory by law but limited in scope, comprehensive plans ensure full protection. This type of insurance is particularly beneficial for new or expensive cars, where the cost of repair or replacement can be high. Why Comprehensive Insurance is Important A car accident or theft can cause significant financial strain. With comprehensive car insurance, you don’t just meet legal requirements—you safeguard your financial security. It ensures: Peace of mind while driving Protection against unexpected repair costs Coverage in case of theft or natural calamities like floods or earthquakes Coverage Offered Under Comprehensive Car Insurance Most comprehensive policies cover: Accidental damage to your vehicle Third-party liability (injury or damage to others) Theft and fire protection Natural calamities (floods, cyclones, earthquakes) Man-made damages like riots or vandalism This makes comprehensive car insurance the best choice for people who want wide-ranging protection. Key Add-Ons to Consider One major advantage of comprehensive plans is the ability to include add-ons. Commonly chosen add-ons include: Zero Depreciation Cover – Ensures full claim without accounting for depreciation. Engine Protection – Covers repair costs due to waterlogging or oil leakage. Roadside Assistance – Help in case of breakdowns. Return to Invoice Cover – Helps you get the full invoice value in case of total loss. For more clarity, you can also read about the difference between zero dep and comprehensive insurance, which explains how add-ons strengthen policies. Difference Between Comprehensive and Third-Party Insurance While comprehensive car insurance covers everything from third-party damage to your own vehicle, third-party insurance only covers damages caused to another person’s vehicle or property. Aspect Comprehensive Insurance Third-Party Insurance Own vehicle damage Covered Not covered Theft, natural calamities Covered Not covered Legal requirement Optional but recommended Mandatory Premium Higher Lower Choosing third-party insurance alone may seem cheaper, but in the long run, comprehensive coverage is more cost-effective. Benefits of Comprehensive Car Insurance Some advantages of opting for a comprehensive policy include: Full protection for both car and driver Better financial security in case of accidents Wide coverage options with add-ons Resale benefits, as buyers prefer cars with valid comprehensive insurance For example, when buying best resale value cars in India, comprehensive coverage can increase buyer confidence. Limitations of Comprehensive Policies While comprehensive insurance offers wide coverage, it has certain exclusions such as: Regular wear and tear Driving without a valid license or under influence Mechanical or electrical breakdowns not caused by accidents Damages during participation in illegal activities Hence, always read the policy documents carefully. Factors That Affect Premiums The cost of a comprehensive car insurance plan depends on: Car make and model Age of the vehicle Geographical location Add-ons selected No-claim bonus history Premiums for SUVs and luxury vehicles are higher compared to hatchbacks and sedans. How to Choose the Best Comprehensive Car Insurance Plan When comparing plans, keep the following in mind: Check coverage – Ensure the policy covers all risks relevant to your area (floods, theft, etc.). Review add-ons – Select useful add-ons instead of unnecessary extras. Compare premiums – Balance cost with benefits. Look at claim settlement ratio – High settlement rates indicate reliability. Financing Car Ownership and Insurance Together Buying a car often involves significant financial planning. A used car loan allows you to buy a pre-owned vehicle without high upfront costs. Pairing this with comprehensive car insurance ensures that your investment is protected from day one. Financing with a car loan also enables you to opt for higher-end vehicles while still managing insurance premiums. Final Thoughts Comprehensive car insurance is the smartest choice for Indian car buyers who want complete financial security. Although it comes at a higher premium than third-party coverage, the benefits of wider protection, optional add-ons, and peace of mind make it worth the investment. Whether you’re buying a new or pre-owned vehicle, pair it with a strong insurance plan and the right financing solution to enjoy worry-free ownership. FAQs Is comprehensive car insurance mandatory in India? No, only third-party insurance is mandatory. Comprehensive insurance is optional but highly recommended. Does comprehensive car insurance cover theft? Yes, it covers theft, fire, natural disasters, and man-made damages in addition to accidents. Is it better to buy zero dep with comprehensive insurance? Yes, a zero depreciation add-on ensures maximum claim settlement. How can I lower my premium for comprehensive car insurance? By maintaining a good no-claim bonus, installing anti-theft devices, and comparing providers. Can I buy comprehensive car insurance for a used car? Yes, used cars are also eligible, and pairing with a used car loan can help with affordability.

22-08-2025

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Top Car Manufacturers in India: Maruti, Hyundai, Tata, Mahindra & More

India is the fourth-largest automobile market in the world, and the demand for cars is only growing. From budget hatchbacks to luxury SUVs, the variety available is vast because of the many car manufacturers in India. Each brand has carved its niche, offering vehicles that suit diverse budgets, lifestyles, and needs. In this blog, we’ll explore the leading car manufacturers in India, their key models, market influence, and how they continue to shape the Indian automobile sector. Key Takeaways India hosts global giants and homegrown brands that dominate passenger car sales. Popular categories include hatchbacks, sedans, SUVs, and electric cars. Maruti Suzuki, Hyundai, Tata Motors, and Mahindra are among the top players. The market is seeing rapid growth in EVs and hybrid cars. Financing through a used car loan makes cars from top manufacturers more affordable. Table of Contents Overview of the Car Industry in India Leading Car Manufacturers in India Maruti Suzuki: The Market Leader Hyundai: Global Appeal with Indian Adaptation Tata Motors: Innovation and Safety First Mahindra & Mahindra: SUV Specialist Honda and Toyota: Trusted Japanese Brands Emerging Players and Electric Cars Buying from Car Manufacturers in India – New vs Used Financing Your Car Purchase Final Thoughts FAQs Overview of the Car Industry in India The Indian automobile sector is one of the fastest-growing in the world. Passenger vehicles account for a large portion of sales, and demand has been fueled by rising income levels, urbanization, and better road infrastructure. A wide range of car manufacturers in India compete to provide affordable, stylish, and technologically advanced vehicles. With the rise of electric mobility and government incentives, the future of car manufacturing in India looks promising. Leading Car Manufacturers in India Several domestic and international players dominate the market. The key car manufacturers in India include: Maruti Suzuki Hyundai Tata Motors Mahindra & Mahindra Honda Toyota Kia Renault Volkswagen Skoda Each brand offers unique strengths, from affordability to advanced safety and technology. Maruti Suzuki: The Market Leader When we talk about car manufacturers in India, Maruti Suzuki tops the list. With over 40% market share, it dominates the Indian passenger vehicle market. Popular Models: Alto, Swift, Baleno, WagonR, Brezza Strengths: Affordability, strong resale value, wide service network Why Buyers Prefer It: Budget-friendly cars with good mileage For those considering resale, options like best resale value cars in India often feature Maruti Suzuki at the top. Hyundai: Global Appeal with Indian Adaptation Hyundai is the second-largest carmaker in India, popular for its stylish design and advanced features. Popular Models: i10, i20, Creta, Venue Strengths: Premium interiors, advanced technology Why Buyers Prefer It: Stylish cars with modern safety features Hyundai’s SUVs like Creta and Venue compete strongly in the mid-segment, making it a favorite among families. Tata Motors: Innovation and Safety First Tata Motors has emerged as one of the strongest car manufacturers in India in recent years. Popular Models: Tiago, Nexon, Harrier, Safari Strengths: Safety ratings, electric cars (Tata Nexon EV) Why Buyers Prefer It: Affordable pricing with advanced features Tata has also led the electric car revolution in India, with Nexon EV becoming one of the highest-selling electric vehicles. Mahindra & Mahindra: SUV Specialist Mahindra is well-known for manufacturing SUVs that suit Indian roads. Popular Models: Thar, Scorpio, XUV700, Bolero Strengths: Rugged design, powerful engines Why Buyers Prefer It: Value-for-money SUVs Families often compare Mahindra SUVs with larger alternatives like 7 seater cars in India, showcasing its popularity in the multi-passenger segment. Honda and Toyota: Trusted Japanese Brands Honda and Toyota are among the most reliable car manufacturers in India. Honda Popular Models: Amaze, City, Elevate Strengths: Smooth engines, premium sedans Toyota Popular Models: Innova, Fortuner, Hyryder Strengths: Long-lasting cars, strong after-sales service Toyota is also leading hybrid car introductions, making it attractive for eco-conscious buyers. Emerging Players and Electric Cars New entrants like Kia and MG Motors are rapidly capturing attention. Kia: Known for stylish SUVs like Seltos and Sonet. MG Motors: Offers advanced features and electric models like MG ZS EV. With rising interest in eco-friendly cars, hybrid car meaning and EV adoption are expected to drive the next phase of growth among car manufacturers in India. Buying from Car Manufacturers in India – New vs Used While new cars are tempting, many buyers opt for used cars because they are more affordable and depreciate less in value. Whether you choose Maruti, Hyundai, Tata, or Toyota, the used car market in India offers plenty of options. Exploring pre-owned cars from reputed car manufacturers in India ensures reliability and better value for money. Financing Your Car Purchase Buying a new or used car often requires financial support. That’s where a used car loan helps. With flexible repayment options, buyers can choose models from trusted car manufacturers in India without worrying about upfront costs. Financing through a car loan also allows families to purchase higher-end models or explore larger SUVs. Final Thoughts The automobile industry is diverse, with multiple car manufacturers in India offering models across price points. From Maruti’s budget-friendly hatchbacks to Mahindra’s rugged SUVs and Tata’s electric cars, Indian buyers have more choices than ever. Whether you buy new or pre-owned, the key is to choose a car that matches your lifestyle, budget, and long-term goals. And with financing options like used car loans, even premium cars become accessible. FAQs Who is the biggest car manufacturer in India? Maruti Suzuki is the largest car manufacturer with over 40% market share. Which car manufacturers in India make electric cars? Tata Motors, Hyundai, and MG Motors currently lead in electric models. Are Indian brands like Tata and Mahindra reliable? Yes, they have improved significantly in safety and technology, becoming trusted choices. Which is better – new or used cars? Used cars offer better value for money, especially with strong resale brands like Maruti and Toyota. How can I finance a car purchase? You can opt for a car loan or used car loan to make the purchase affordable.

22-08-2025

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Car Companies Owned by Volkswagen

Wondering which brands sit under the Volkswagen Group umbrella? This guide explains the car companies owned by Volkswagen, what each brand is known for, and how this helps you choose a car with confidence in India. We will also connect these brands to real-life buying decisions like new vs used, after-sales, reliability, and resale value. Key Takeaways Understand the major car companies owned by Volkswagen and what they stand for. See how brand families share technology and safety features, which can help your decision. Learn which VW Group brands matter most in India and in the used car market. Get simple tips on choosing between models and planning your budget and loan. Table of Contents What Is Volkswagen Group The Core Passenger Car Brands Performance and Luxury Brands Commercial and Utility Brands What This Means For You as a Buyer New vs Used: Smart Ways to Decide Budgeting, EMI, and Next Steps FAQs What Is Volkswagen Group Volkswagen Group, often called VW Group, is one of the world’s largest auto groups. It owns multiple well-known car and bike brands across segments. When people search for car companies owned by Volkswagen, they are usually trying to understand how brands like Audi, Škoda, Porsche, and others connect to each other, and whether technology and quality flow across the group. The Core Passenger Car Brands Here are the mainstream brands most Indian buyers come across or hear about. Volkswagen The namesake brand known for solid build, clean design, and safety-first engineering. In India, VW focuses on practical sedans and SUVs with strong highway manners. Škoda Praised for value, space, and a “European feel” at an accessible price. Many buyers compare Škoda and VW since they share platforms and engines in several models. SEAT and CUPRA SEAT is a Spanish brand focused on youthful design. CUPRA began as SEAT’s performance line and now operates as a sporty standalone brand in global markets. Indian buyers may not see them locally yet, but you will see the names in global reviews. When you look at these core brands together, you will notice how platforms, engines, and safety tech often move across the family. That is one reason many shoppers search for car companies owned by Volkswagen before shortlisting a model. Performance and Luxury Brands VW Group also owns iconic premium and performance brands. This matters even if you are buying an affordable car, because technology and safety research often trickle down. Audi Premium cars and SUVs with a focus on design, interiors, and quattro all-wheel drive heritage. Audi sits alongside Mercedes and BMW in the global luxury space. Porsche A performance led luxury brand. Known for sports cars like the 911 and popular SUVs like the Cayenne and Macan. Porsche’s engineering culture influences the group’s performance and efficiency thinking. Lamborghini Italian supercars with dramatic design and high performance. Part of the group through the Audi side. Bentley British luxury that mixes craftsmanship with modern tech from the group. Bugatti Hypercar brand known for extreme performance. Bugatti’s structure has evolved with partnerships in recent years, but it remains historically connected to the VW Group universe. Ducati (Motorcycles) A legendary motorcycle brand, also associated through the Audi side of the group. Seeing this range gives context to the search term car companies owned by Volkswagen. VW Group is not only about mass market cars. It covers everything from daily family commuters to world class luxury and performance machines. Commercial and Utility Brands Volkswagen Commercial Vehicles Vans and people movers in many markets. MAN and Scania (via the Traton group) Focused on heavy commercial vehicles and trucks in global markets. These may not be part of your personal car shortlist, but they show the group’s industrial depth. What This Means For You as a Buyer Shared tech and safety learning: Platforms, engines, and safety research often flow across brands. That can mean better driving dynamics and safety even in mainstream models. Resale and service: Brand reputation within the group can influence resale value and perceived reliability. Local dealer network still matters, so check city wise service access. Feature packing: Group level synergies can bring premium features to lower price points over time. If you are studying car companies owned by Volkswagen to make a shortlist, compare models across VW and Škoda first, then check how they stack up against rivals on safety ratings, service reach, and ownership costs. New vs Used: Smart Ways to Decide Go new if you want warranty cover, latest features, and predictable maintenance. Go used if you want a higher segment car for the same budget, or lower depreciation hits. Always check service history, accident records, and a trusted mechanic’s inspection. For used buys, plan financing early. If you are exploring a used car loan, you can apply for a used car loan. This helps you lock a budget before test drives. Budgeting, EMI, and Next Steps Fix your on road budget first, then shortlist 2 to 3 models. Compare total cost of ownership: fuel type, mileage, service interval, insurance, and tyres. Keep a realistic EMI target. A simple thumb rule is to keep total EMIs within a comfortable share of your monthly income. Pre approval on a car loan or used car loan can save time at the dealership and gives you better negotiation power. Final Thoughts The list of car companies owned by Volkswagen shows how wide the VW Group really is, from practical family cars to luxury machines. For an Indian buyer, the most relevant names are Volkswagen and Škoda, with the wider group’s engineering influencing quality, safety, and features. Use this brand map to narrow your search, compare service access in your city, and choose a model that fits your budget and lifestyle. FAQs What are the main car companies owned by Volkswagen that matter in India? Volkswagen and Škoda are the most visible for mainstream buyers. Audi and Porsche represent premium options that influence technology across the group. Does Volkswagen own luxury brands too? Yes. Audi, Porsche, Bentley, and Lamborghini are part of the broader group. This premium engineering culture often flows into mainstream tech and safety thinking. Where can I check loan options for a used Volkswagen or Škoda? You can explore a used car loan with a reputable firm. Is Bugatti part of Volkswagen Group? Bugatti remains historically connected to VW Group through a joint structure that has evolved. For everyday buyers, this has little impact on mainstream choices. Do shared platforms mean the cars are the same? No. Brands tune suspension, features, interiors, and pricing differently. Always test drive and compare service access in your city. Is it better to buy new or used within VW Group brands? It depends on your budget and needs. New gets warranty and the latest features. Used can get you a higher segment car. If going used, consider a used car loan to plan your budget.

22-08-2025