₹15L Car: Real Monthly Cost ≈ ₹29,410 (Not Just EMI) #oolka #creditworthy #carownershipcost

EMI dekhke khush? Reality: car ki true monthly cost EMI se zyada hoti hai.
Is example mein (₹15L car, ₹3L down, ₹12L loan, 5 saal tenure):

Monthly breakdown (approx):

Interest: ~₹4,910 (total ~₹2.94L ÷ 60)

Depreciation: ~₹12,000 (5 saal mein ~50% value drop)

Insurance: ~₹2,500 (annual premium ÷ 12)

Fuel: ~₹8,000 (≈1,000 km/month)

Service & Maintenance: ~₹2,000
Total ≈ ₹29,410 / month

Apna number kaise nikalein:

Interest/month = total interest ÷ months (avg)

Depreciation/month ≈ (Car price × 50%) ÷ 60

Insurance/month = annual premium ÷ 12

Fuel/month = (km/month ÷ mileage) × fuel price

Service/month = (annual service + maintenance) ÷ 12

City, mileage, fuel price, model, interest rate aur insurance NCB ke hisaab se numbers change honge.
Aapki car ka total kitna aata hai? Comments mein likho 👇
Practical money math ke liye subscribe karo.

#CarOwnership #CostOfOwnership #CarEMI #PersonalFinanceIndia #Depreciation #FuelCost #Insurance #FinancialLiteracy #Oolka
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