I truly appreciate your suggestions on this situation and genuinely wanted to know if this is common in most families.

This is going to be a long post.

I'm M20 and live in a tier-3 city near Patan, Gujarat.

We are 4 people in our family: me, my mom, my dad and my sister.

This story is about my mama's family. They are 5 people: my mama, my mami, their son (currently in 6th standard), their daughter (4th standard), and my nani.

About their income

• My nani was a teacher. She retired and gets her own pension.
• My nana passed away, but my nani also receives his pension.
• My mama is a government teacher earning around ₹1 lakh/month.
• My mami is a government employee (clerk) earning around ₹45,000/month.

I'm mentioning this only because you'll understand later that this isn't about financial problems.

The problem is that they have a mindset where they always want to save their own things and money, but they don't mind using or being careless with ours.

Story 1 - The car

We own an old Hyundai i10, and they used to own an old Tata Indica.

Whenever we planned family tours together, they almost always wanted to use our car.

Their reason was always: "Our car is diesel. Diesel costs a lot."

So we ended up taking our car on multiple trips.

Recently, they bought a brand-new Kia Seltos.

Now, recently, they planned a trip with our family and two other families.

Everyone was ready to bring their own cars.

Guess who wasn't?

My mama.

His reason? "Our new car will get damaged if we take it on such a long tour. Let's book a Traveller."

I honestly couldn't believe it.

When you had an old car, using our car for long trips was perfectly fine.

Now that you've bought a new Seltos, suddenly you don't want to use it because it might get damaged?

And instead of bringing your own car, you want everyone to spend much more money on hiring a Traveller.

It just felt so hypocritical.

Story 2 - Hotel food

Whenever they come to our house, both of their children almost always demand hotel food.

This isn't a one-time thing.

It's literally every single time they visit.

I've heard my mami tell them: "Ask your fuaji (my father) to bring food from a hotel."

My father ends up ordering food.

Honestly, I don't even care about eating outside food.

That's not the issue.

But when we visit their house, there is never any special treatment.

We happily eat whatever is cooked at home, i even my nani saying that "lets get hotel food tomorrow after these guys leaves so that we dont have to order a lot

Again, I'm completely okay with that.

What bothers me is why the expectation only exists when they're visiting us.

Story 3 - The AC room

They have an AC in one room.

Whenever they're in that room, they are extremely strict about keeping the door closed.

If either of their children leaves the door open for even a short time, my mama scolds them badly.

But when they visit our house, their kids keep our AC room door open all the time.

Running in and out.

Leaving it open.

Neither my mama nor my mami says a single word.

Story 4 - Their car vs our car

At their house, if either child sits in their Seltos with dirty legs or dirty hands, my mama immediately scolds them.

If they do anything that could dirty or damage the car, they get shouted at.

But when they're at our house...

Their kids:

• Spill water inside our i10.
• Climb all over the seats.
• Sit or climb on the bonnet.
• Hit the car with slippers while playing.

And their parents just watch.

Not even a simple scold

Nothing.

Story 5 - Electricity

When I visit their house, they're extremely careful about electricity usage.

I still remember one incident.

My mami had left for work in the morning.

I was sleeping in another room.

Around 7 AM, my nani literally woke me up and told me to go sleep in my mama's room so they wouldn't have to keep another fan running.

That incident stayed in my mind.

But when they come to our house...

Their children literally switch on lights in almost every room.

Fans are left running.

Sometimes TVs too.

And their parents never tell them to switch anything off.

Why this hurts me

Individually, none of these incidents are huge.

Ordering hotel food once isn't a big deal.

A little extra electricity isn't a big deal.

Kids making mistakes isn't a big deal.

What hurts is the constant double standard.

When it's their house...

• Save electricity.
• Protect the AC.
• Protect the car.
• Save fuel.
• Teach the kids discipline.

But when it's our house...

• Leave the AC door open.
• Leave lights and fans running.
• Let the kids do whatever they want with our car.
• Expect outside food every visit.
• Never correct the kids.

It's been happening for years now, and honestly, it has started bothering me a lot.

I'm not even angry about the money involved.

It's the lack of respect for our things while expecting everyone to respect theirs.

I can't even say anything because it'll create unnecessary family drama.

So I wanted to ask...

Is this kind of behavior actually common in Indian families?

Or am I just overthinking and being too sensitive about it?

Hey everyone,

I’ve been tracking the property market closely over the last couple of years, and I’m trying to make sense of a massive disconnect I'm seeing between what builders are asking for and what the average person can actually afford.

I’m not talking about a "crash"—just a genuine, logical downward correction or an extended stagnation.

I’m based out of Ahmedabad, but I’ve noticed this trend across a few major Tier-1 and Tier-2 cities as well. During the post-COVID boom, real estate inflation went absolutely crazy. Property prices jumped anywhere from 30% to 50% in certain pockets. For a while, everything was selling like hotcakes.

But over the last year, things feel fundamentally different. Here’s what I’m observing on the ground:

• The Salary vs. EMI Gap: Builders are continuously launching "premium" projects and pricing them at premium rates, but the majority of middle-class salaried people haven't seen their paychecks keep pace with this inflation. Who is actually buying these?
• The Rise of "Ghost" Projects: I’m seeing an increasing number of residential projects that look completely empty or are progressing at a snail's pace because the initial investor hype has died down and genuine end-users are backing off.
• Visible Slowdown: While the premium/luxury segment still sees movement, the mid and affordable segments are noticeably slowing down. Unsold inventory is silently stacking up.

It feels like builders are holding onto artificial prices hoping the market will catch up to them, but local demand feels exhausted at these current valuations.

For those who are currently looking to buy, or those working in the industry: Do you think we are headed for a phase where property prices have to come down to meet reality? Or will prices just stay flat for the next 3 to 4 years while inflation slowly catches up?

Would love to know what the situation looks like in your city. Are you seeing a slowdown on the ground too?

I'm trying to compare the true 10-year ownership cost of buying an EV vs a diesel car, and I want to know if my calculation is correct or if I'm missing something.

Option 1: Diesel

• Car price: ₹18 lakh
• Invest the remaining ₹8 lakh in an FD
• Daily driving: 37 km
• Ownership period: Forever (I'm not considering resale value)

Option 2: EV

• Car price: ₹26 lakh
• I have rooftop solar, so my home charging cost is effectively ₹0.

My calculation

If I buy the diesel car, I can invest ₹8 lakh in an FD.

After 10 years, the FD grows to roughly ₹16 lakh (interest compounded until maturity).

Fuel calculation:

• Daily driving: 37 km
• Mileage: 17 km/l
• Fuel required: ~794 liters/year
• Diesel price assumed to gradually increase, reaching about ₹135/liter by Year 10

Using those assumptions, I estimated the total diesel cost over 10 years to be around ₹8.2 lakh.

So,

FD after 10 years: ₹16 lakh

Minus diesel cost: ₹8.2 lakh

Remaining: ~₹7.8 lakh

If I adjust that amount for around 6% annual inflation, its present-day purchasing power is roughly ₹3.7 lakh.

So my understanding is:

• EV effective cost after 10 years = ₹26 lakh
• Diesel effective cost = ₹18 lakh - ₹3.7 lakh = ~₹14.3–14.5 lakh

That suggests the diesel car is still much cheaper financially, even with free solar charging.

My question: Is this calculation logically correct, or am I making any mistakes in the assumptions or math?

A couple of things I haven't included yet:

• Maintenance cost — I honestly don't know what the 10-year maintenance cost would be for either vehicle, so I've intentionally left it out instead of guessing.
• Insurance — Not included.
• Resale value — Not included, since I plan to keep the car for as long as it runs.
• Battery replacement — Not included. I've spent quite a bit of time researching Mahindra's battery technology, thermal management, warranty, and expected battery life. Based on that research, I'm assuming I won't need a battery replacement within the first 10 years. If you think that assumption is unrealistic, I'd genuinely like to hear why.

If you own a diesel SUV (especially something like a Mahindra XUV700 or a similar vehicle), I'd really appreciate it if you could share your actual maintenance costs over the years.

Also, if I've missed any important parameter—maintenance, tyre costs, insurance, financing assumptions, inflation handling, opportunity cost, depreciation, taxes, or anything else—please point it out. I'm genuinely trying to make the most accurate comparison possible before making a purchase.

I'm intentionally not considering resale value because I plan to keep the car for as long as it runs.

I'd really appreciate if someone could point out anything I've overlooked (maintenance, insurance differences, battery degradation, opportunity cost, inflation handling, etc.).

EDIT: This comparison is completely independent of any additional features, comfort, technology, or other benefits offered by the ₹26L car. I'm looking at this purely from a financial perspective (costs, depreciation, investment opportunity cost, etc.), and not factoring in the ownership experience or extra features.

This is purely a comparison to know how much premium I am paying over 10 years (factoring in the tax-adjusted opportunity cost of capital) to drive the ₹26L car instead of the ₹18L alternative.

EDIT:
Before commenting that it is not comparable, please understand, i just want to understand how much amount im paying extra if i buy 26L EV as our 2nd choice was 18L diesel

Hey everyone,

I’m currently looking at the new Mahindra INGLO lineup (specifically eyeing the BE 6 and XEV 9e). On paper, I can technically afford the on-road price and the EMIs without breaking a sweat, but I’m having a bit of cold feet. I can't shake the feeling that dropping ₹25L - ₹33L+ on a car might be a bad financial call for my current situation.

To help me benchmark, I wanted to ask real owners:

• What do you do professionally to afford this car?
• What is your yearly income or annual savings baseline where you felt comfortable signing the check?
• How much daily km will you drive this car
• Did you pay upfront, or what does your EMI-to-income ratio look like?

Would love some honest financial reality checks before I make a decision. Thanks!

Hey everyone,

I’m currently looking at the new Mahindra INGLO lineup (specifically eyeing the BE 6 and XEV 9e). On paper, I can technically afford the on-road price and the EMIs without breaking a sweat, but I’m having a bit of cold feet. I can't shake the feeling that dropping ₹25L - ₹33L+ on a car might be a bad financial call for my current situation.

To help me benchmark, I wanted to ask real owners:

• What do you do professionally to afford this car?
• What is your yearly income or annual savings baseline where you felt comfortable signing the check?
• How much daily km will you drive this car
• Did you pay upfront, or what does your EMI-to-income ratio look like?

Would love some honest financial reality checks before I make a decision. Thanks!

I'm looking for some outside perspectives because I'm struggling to separate the emotional and financial sides of this decision.

Family Financial Situation

Father (55 years old)

• Gross salary: ₹1,08,156/month
• EMI: ₹37,000/month (ends April 2027)
• GPF deduction: ₹41,500/month
• In-hand salary: ~₹23,500/month after tax and other deductions
• Retirement: 2029
• Expected retirement corpus (GPF + gratuity): ~₹61 lakh
• Current savings: ~₹4 lakh
• Expected pension: ~₹47,000/month

Mother

• Gross salary: ₹1,00,000/month
• EMI: ₹40,000/month (ends in ~5.5 years)
• GPF deduction: ₹25,000/month
• In-hand salary: ~₹29,000/month after deductions
• Retirement: 2037
• Expected retirement corpus (GPF + gratuity): ~₹65 lakh
• Current savings: ~₹6 lakh
• Expected pension: ~₹47,000/month

Me

• 24 years old
• Work in IT (currently remote)
• Salary: ₹1.2 lakh/month
• No EMI
• SIP investment: ₹85,000/month
• Total Saving in SIP + Stocks: 15,00,000

Sister

• 20 years old
• In college
• Fees: ~₹3 lakh/year
• Not doing well academically, so realistically I expect my parents may need to financially support her more than they expected, including possibly funding her marriage.

Assets

• One residential plot (~1500 sqft)
• Current value: ~₹14 lakh

Housing Situation

This is where things get complicated.

My father has spent roughly ₹30 lakh over the years renovating and expanding our current house, but the layout is still quite poor. It's a linear design where rooms are connected one after another, meaning you often have to walk through one room to reach another because there is no separate corridor.

The neighborhood is also a concern. There are frequent disputes between neighbors (roughly once a week), often involving loud shouting and abusive language.

Because of both the house layout and the surrounding environment, I don't see myself living here after marriage. Most likely, I would move out and rent initially.

I do want to buy a home eventually, but since I work in IT and my current role is remote, I'm hesitant to commit to buying property in a specific city right now. The job market is uncertain and I don't know where I'll be 5 years from now.

Future Expenses

Potentially, my parents may end up contributing to:

• My wedding (although I personally intend to pay for it myself)
• My sister's wedding
• Helping me with a future home purchase
• Their own retirement needs

For the sake of discussion, let's assume the worst-case scenario where they contribute significantly to all three. ( They said that they will do a big expense in both of wedding )

The Car Question

My father wants to buy a car, and we're considering an EV that costs around ₹25 lakh.

Some context:

• We already have rooftop solar installed.
• Daily charging would mostly be through solar power.
• Running costs would be extremely low compared to petrol/diesel.
• Apart from highway charging and eventual battery-related costs, ownership costs should be relatively low.

The emotional argument is that my father is already 55.

If he buys a ₹12-14 lakh car now, there may never be another opportunity to upgrade later because retirement, weddings, and housing expenses will start stacking up.

A part of me feels that if he wants to enjoy a nicer car, this may be the right time.

The financial side of me says ₹25 lakh is still ₹25 lakh, and it's a depreciating asset.

My Question

Given:

• Retirement corpus of ~₹61 lakh for father and ~₹65 lakh for mother
• Pension for both parents
• Existing house concerns
• Sister's future financial uncertainty
• Possible future housing assistance
• My own income and investments

Would buying a ₹25 lakh EV be a reasonable decision, or would it be a financially irresponsible luxury at this stage?

I'm interested in hearing opinions from people who have dealt with retirement planning, family obligations, or similar "enjoy life now vs preserve capital" decisions.

I was actually thinking of stretching the car budget to around ₹17 lakh initially. But then I started looking at the higher-end EVs, especially the Mahindra models with BYD battery packs, because my intention is to keep the car for 12–13 years.

My thought process was:

• A ₹17 lakh petrol/diesel car over 12–13 years could easily consume another ~₹8 lakh in fuel costs, taking the total ownership cost to around ₹25 lakh.
• A good EV might cost around ₹25 lakh upfront, but charging and maintenance costs would be significantly lower. Even if I assume ₹2 lakh of additional running costs over the ownership period, total cost is roughly ₹27 lakh.

So effectively, for about ₹2 lakh extra over the full ownership cycle, I get a much more premium vehicle.

I know the counterargument is that the extra ₹8 lakh invested elsewhere (FD, mutual funds, etc.) could generate returns that offset part of the fuel cost. But my bigger concern is the long-term future of petrol/diesel vehicles. With increasing ethanol blending, potential butanol adoption, stricter emission norms, and overall uncertainty around ICE engines over the next decade, I'm not fully convinced a petrol/diesel car will age as gracefully as a good EV.

That's why I'm leaning towards buying the best EV I can reasonably afford and then just keeping it for the next 12–13 years.

So the question to all,
Would buying a ₹25 lakh EV be a reasonable decision, or would it be a financially irresponsible luxury at this stage?

EDIT:
financially, spending ₹25L on a car doesn't make sense to me either. But I'm probably too young to fully understand how retirement works.

If he still has ₹20L in savings after all the major expenses in life (weddings, house, and everything else), what would he do with that money at the age of 70? Isn't it better to enjoy that money while he's younger?

Am I making any mathematical error, or is there something important that I'm missing? I'm not very involved in society or family finances, so I may have overlooked some factors that should be considered while evaluating the situation.

EDIT:

One additional question I'd like opinions on:

let's assume we buy this 25L car this month

Let's assume the true worst-case scenario where my parents end up contributing significantly towards:

• My wedding
• My future home purchase
• My sister's wedding

(For context, I personally expect to fund the majority of my own wedding and future house, but I'm intentionally evaluating the worst-case scenario because my parents have repeatedly said they want to contribute substantially.)

If we still go ahead and buy the ₹25 lakh EV, where do you see potential financial problems arising in the future?

For example:

• Would retirement become uncomfortable despite the pensions?
• Would a medical emergency become a major risk?
• Would funding my sister's wedding become difficult?
• Would helping with a future home purchase become unrealistic?
• Is there a risk that inflation could make the retirement corpus insufficient?

I'm not looking for validation either way. I'm trying to understand whether buying the EV merely delays some future goals, or whether it could genuinely create financial stress later despite the pensions and expected retirement benefits.

In other words, I'm trying to understand what specific future scenarios could make this purchase look like a mistake, rather than just hearing that "₹25 lakh is a lot for a car."

I'm genuinely trying to identify the risks that I may be overlooking.

A few days ago, I made a post asking whether it made sense for my father to spend around ₹25 lakh on an EV given our family's overall financial situation.

Original post: https://www.reddit.com/r/personalfinanceindia/s/nAp9kDOTAN

First of all, thank you to everyone who took the time to read and comment. There were a lot of thoughtful responses, and many of them helped me look at the situation from angles I hadn't considered.

However, after reading the comments, I realized that I may have unintentionally left out the most important part of the decision.

If you're willing to help, I'd appreciate it if you could read the original post first and then come back to this one.

One thing many commenters assumed was that I was trying to stop my father from spending money because I wanted him to preserve it for my wedding, my future house, or other family obligations.

That's actually not the case.I fully expect to pay for my own wedding. I also expect to buy my own house. My parents have offered to help in the future, and I may accept some help if they genuinely want to contribute, but I'm not planning my life around receiving that help or assuming they will fund a significant portion of these expenses. ( i can say that they have to fund for my sister's wedding considering her overall situation and how he dealing with her 20s )

The reason I mentioned future expenses was simply because I was trying to evaluate the family's overall financial position before making a ₹25 lakh purchase.

My father is 55. Deep down, I think he's conflicted.

On one hand, he knows ₹25 lakh is a lot of money to spend on a car.

On the other hand, he keeps asking himself: "If not now, then when?"

One of his dreams is to do long road trips across India in his own car after retirement.

He isn't someone who spends money on luxury items. He doesn't have expensive hobbies. Beyond perhaps some travel, there isn't much he wants financially.

That's what makes this difficult.

Let's take a rough worst-case scenario.

• Retirement corpus: ~₹30 lakh + my mom's 40 lakh
• Pension: ~₹43-44k/month + same of my mom's
• Assume he spends ₹25 lakh on my marriage
• Assume he spends ₹25 lakh on my sister's marriage
• Assume he helps me with ₹10 lakh for a future house purchase

Even though I don't actually expect all of those things to happen, let's assume they do.

At that point, he would be around 65 years old, still receiving a pension, and left with perhaps around ₹10 lakh in savings.

The question that keeps bothering me is:

How much money is enough?

If he reaches retirement with a pension, no major responsibilities left, and still has savings, what is the purpose of preserving every last rupee?

At what point does it become reasonable to spend money on something that genuinely brings joy?

A lot of personal finance advice focuses on maximizing wealth and minimizing unnecessary spending. That's obviously important.

But eventually money is also supposed to fund experiences, dreams, and enjoyment.

If a road-trip-capable EV that he genuinely enjoys driving is one of the few things he wants from life, is spending the extra money still a bad decision?

So my question is no longer:

"Is a ₹25 lakh EV financially optimal?"

I think everyone agrees it probably isn't.

My question is:

How do you decide when someone has reached the point where it's okay to stop optimizing every financial decision and start spending money on the things they've worked their entire life for?

For people who are retired, nearing retirement, or have seen their parents go through this phase, I'd love to hear your perspective.

One more thing I want to acknowledge. After reading both posts, it may look like I'm the one trying to justify or push for the ₹25 lakh EV. To some extent, that's true. But the reason isn't that I think it's the financially optimal choice. It's because I've started thinking about what my father has actually worked all these years for.

He's spent most of his life earning, saving, paying EMIs, and taking care of family responsibilities. If owning a good car and taking road trips across India is one of the few things he genuinely dreams about, then part of me wants him to enjoy that while he's still healthy and excited about it, rather than constantly postponing it for some future date that may never feel "safe enough."

I'm not trying to convince him to make an irresponsible financial decision. I'm trying to understand where the balance lies between financial prudence and actually enjoying the wealth you've spent a lifetime building.

My father seems to think that because I work from home, I'm always free

I work remotely, and my father is a government employee. Whenever he's home and sees me working on my laptop, he regularly asks me to stop what I'm doing and help him with something.

For example, he'll suddenly say things like:

• "Come to the farm and help me with this."
• "Let's go to the market."
• "Come help me with that work."

The problem is that I've explained countless times that just because I'm at home doesn't mean I'm free. My job is on the laptop. But nothing changes.

The last two weeks were especially intense. I was working around 10 hours a day, barely finding time to eat properly. One afternoon I stepped into the kitchen to make tea, and my father immediately said, "Why don't you come help me in the farm?"

I was honestly dying inside. I had been working nonstop, stressed out, exhausted, and the fact that I was away from my desk for 5 minutes somehow translated into "he's free."

It genuinely feels like he thinks I'm sitting at home watching movies instead of working.

The same thing happens on weekends. Sometimes I work on weekends, and even when I'm not working, I spend a lot of time upskilling because I work in a field where I need to keep learning to stay competitive.

Every weekend he says things like, "Your job is only Monday to Friday. What are you doing?"

I've explained at least a thousand times that I study and learn outside work to improve my career. He always says "okay," but the very next weekend it's the same conversation again.

At this point I don't even want to explain anymore.

Another thing that bothers me is that he doesn't seem to value other people's time.

A recent example:

I was waiting somewhere and he was supposed to pick me up. I called him and asked if he was coming because otherwise a friend could drop me home.

He said, "I'll be there in 5 minutes."

He arrived 45 minutes later.

I was standing outside in April heat at 1 PM. When I complained, he said:

"It won't happen that you tell me and I'll arrive in exactly 5 minutes. What's wrong with waiting a little longer?

Last week he did something similar to my sister. He asked her to get off the bus and wait "5 minutes." She ended up waiting around 30 minutes before he arrived. When she complained, he basically told her to learn patience because people don't get everything immediately.

The pattern is what frustrates me. It's not about one incident. It's that he repeatedly expects everyone else to adjust their schedules and wait for him, while not respecting their time or commitments.

Has anyone dealt with a parent who simply cannot understand remote work or who constantly treats your time as less important than theirs? How did you handle it?

My father seems to think that because I work from home, I'm always free

I work remotely, and my father is a government employee. Whenever he's home and sees me working on my laptop, he regularly asks me to stop what I'm doing and help him with something.

For example, he'll suddenly say things like:

• "Come to the farm and help me with this."
• "Let's go to the market."
• "Come help me with that work."

The problem is that I've explained countless times that just because I'm at home doesn't mean I'm free. My job is on the laptop. But nothing changes.

The last two weeks were especially intense. I was working around 10 hours a day, barely finding time to eat properly. One afternoon I stepped into the kitchen to make tea, and my father immediately said, "Why don't you come help me in the farm?"

I was honestly dying inside. I had been working nonstop, stressed out, exhausted, and the fact that I was away from my desk for 5 minutes somehow translated into "he's free."

It genuinely feels like he thinks I'm sitting at home watching movies instead of working.

The same thing happens on weekends. Sometimes I work on weekends, and even when I'm not working, I spend a lot of time upskilling because I work in a field where I need to keep learning to stay competitive.

Every weekend he says things like, "Your job is only Monday to Friday. What are you doing?"

I've explained at least a thousand times that I study and learn outside work to improve my career. He always says "okay," but the very next weekend it's the same conversation again.

At this point I don't even want to explain anymore.

Another thing that bothers me is that he doesn't seem to value other people's time.

A recent example:

I was waiting somewhere and he was supposed to pick me up. I called him and asked if he was coming because otherwise a friend could drop me home.

He said, "I'll be there in 5 minutes."

He arrived 45 minutes later.

I was standing outside in April heat at 1 PM. When I complained, he said:

"It won't happen that you tell me and I'll arrive in exactly 5 minutes. What's wrong with waiting a little longer?"

Last week he did something similar to my sister. He asked her to get off the bus and wait "5 minutes." She ended up waiting around 30 minutes before he arrived. When she complained, he basically told her to learn patience because people don't get everything immediately.

The pattern is what frustrates me. It's not about one incident. It's that he repeatedly expects everyone else to adjust their schedules and wait for him, while not respecting their time or commitments.

Has anyone dealt with a parent who simply cannot understand remote work or who constantly treats your time as less important than theirs? How did you handle it?

I'm booking the XEV 9e Pack 2 (59 kWh) with the 7.2 kW charger and am currently confused about the insurance options.

A few questions for existing owners and those who have already finalized their bookings:

1. Are you choosing the 1+3 insurance plan or the 3+3 plan? What was your reasoning?
2. For those taking comprehensive insurance with zero depreciation, battery cover, and consumables cover, how much premium can I realistically expect from the 2nd year onward?
3. Is it worth continuing comprehensive, zero dep and battery cover for the first 5 years, or is that overkill?
4. Does battery cover typically protect against:
   • Battery damage due to accidents?
   • Water/flood damage?
   • Damage caused by rats/rodents chewing wiring?
5. Before purchasing through Policybazaar, where can I see the complete policy wording/document with all inclusions and exclusions? I don't want to rely only on the summary shown during checkout.

Thanks!

I'm currently looking at buying either a BE 6 or XEV 9e and ran into something that doesn't sit right with me.

Mahindra is advertising a ₹90,000 cash discount on the ex-showroom price. Naturally, I assumed this was a manufacturer discount that would reduce the car price regardless of where I buy insurance from.

However, when I visited multiple dealerships in Surat, specifically Nanavati Mahindra and President Motors, I got essentially the same answer from both.

They told me there is no separate ₹90,000 discount. Instead, they are saying:

>

The problem is that I checked with Acko and I'm getting a quote for roughly ₹45,000 for what appears to be a comparable insurance package.

When I pointed this out and said I'd prefer to buy insurance outside, the response was basically:

>

So from my perspective:

• Dealer insurance: ~₹1.6 lakh
• Acko insurance: ~₹45k
• Difference: ~₹1.15 lakh

It feels like the ₹90k manufacturer discount is effectively being tied to an overpriced dealership insurance policy.

What I'm trying to understand is:

1. Is it legal/common for dealerships to make a manufacturer cash discount conditional on buying insurance from them?
2. Has anyone recently purchased a BE 6 or XEV 9e and received the ₹90k discount while taking insurance from an external provider?
3. Is there any way to escalate this directly with Mahindra and get the discount honored without being forced into dealership insurance?
4. Am I missing something here, or is this just a classic dealership tactic?

Would appreciate hearing from anyone who has recently purchased a Mahindra EV or dealt with something similar.

EDIT: I just contacted the head of their EV Sales department, and he said that I can get that discount. Honestly, all the salespeople had told me no, even after I explained that the discount is provided by Mahindra itself.

I'm an IT professional currently working remotely, and lately I've been thinking about buying or building a house. The problem is that I don't feel confident enough to commit to a particular city.

Right now I'm remote, but I have no idea whether I'll stay at this company for years, whether remote work will continue to be common, or whether I might need to move for another opportunity.

Let's say I build a house in my current city. If I later need to relocate for work, won't that make the whole decision much more complicated? It feels risky to lock myself into one location when careers in tech can change so quickly.

At the same time, people often say it's better to buy a home sooner rather than later because:

• EMI payments build equity and create an asset.
• Rent is money that doesn't build ownership.
• Property prices tend to increase over time.

However, I'm not in a hurry. I'm mainly trying to understand how other IT professionals think about this decision.

For those of you who have already bought or built a home:

• How did you choose the city?
• Did you wait until your career felt stable?
• Did you buy in your hometown instead of your work city?
• How do you handle the possibility of changing jobs or relocating?
• At what point did you feel "stable enough" to commit to a house?

I'd love to hear experiences from people who bought recently, especially in the current job market.

’m trying to decide between buying an EV or an ICE vehicle, but my situation is a bit unusual.

My situation

• Daily average driving: ~37 km/day
• I have rooftop solar, so my effective home charging cost is close to zero
• Planning to keep the car for a very long time (around 13+ years), not concerned about resale value
• Looking at a ₹23 lakh EV
• To buy the EV, I would need to take a ₹7 lakh loan
• If I buy an ICE vehicle (diesel/CNG/petrol), I would not need any loan ( There's some reason for this )
• Based on my usage, I estimate spending roughly ₹7.5 lakh on fuel alone over my ownership period with an ICE vehicle
• I can invest the price difference between the EV and ICE car in an FD or similar instrument and use the interest to offset fuel costs

Things I'm considering

• Near-zero charging cost because of solar
• Lower maintenance costs of EVs
• Future fuel price increases
• Increasing fuel blending (E20 petrol, higher biofuel content, etc.) and any potential long-term impact on ICE ownership
• Loan interest cost on the EV
• Battery longevity (I'm considering a Mahindra EV and plan to rely on the battery warranty and keep the vehicle for the full ownership period)

My question

From a purely financial perspective:

Does it even make sense for me to buy an ICE vehicle above ₹15 lakh given my circumstances?

More specifically:

What is the maximum on-road price of an ICE vehicle that would still be financially equal to, or better than, buying the ₹23 lakh EV?

I'm looking for a long-term total cost of ownership comparison, including:

• Purchase price
• Loan interest on the EV
• Fuel costs
• Maintenance
• Opportunity cost of investing the price difference
• Expected fuel inflation

Would appreciate any detailed calculations or frameworks for evaluating this.

EDIT: Also, please share reviews on TATA EVs

This is going to be a long post because I need to explain the full family and financial situation to get meaningful advice. Thanks to anyone who takes the time to read it.

I'm trying to get an outside perspective on a family financial decision.

My father is a government employee and is expected to receive around ₹45 lakh at retirement (after accounting for all future deductions). He currently has about ₹4 lakh in savings. After all deductions, including EMI and retirement contributions, his monthly take-home salary is around ₹25,000( it will be around 50,000 in next march as one of his EMI will end) . He will also receive a government pension after retirement ( EDIT : amount around 43,000)

My mother is also a government employee. She is expected to receive around ₹50 lakh at retirement (after future deductions) and currently has about ₹5 lakh in savings. Her take-home salary after EMI and retirement contributions is also around ₹25,000 per month. She will also receive a government pension after retirement ( EDIT : amount around 43,000)

I'm working in IT with a take-home salary of ₹1.2 lakh per month. I have no EMI. My monthly expenses are around ₹30,000, and I invest about ₹90,000 every month through SIPs. My current investments are roughly ₹15 lakh. I work remotely from a village in the Mehsana district of Gujarat.

One issue is our house. My father has spent a significant amount of money renovating and expanding it over the years (around ₹30 lakh from his and mom's funds), but the result isn't great. It's a linear house layout where all rooms are connected in a sequence, meaning you have to walk through one room to reach another because there is no separate corridor.

The neighborhood is another concern. There are frequent ( 1 a week) disputes between neighbors, often involving loud arguments and very abusive language. It's not an environment where I would want to raise children or expect my future wife to be comfortable living.

I also have a 20-year-old sister who is currently not doing very well career-wise.

Because of all this, I don't see myself living in this house after marriage. My likely plan is to move out and live on rent initially. I do want to buy a house eventually, but I work in IT and the job market is uncertain. My current role is remote, but that could change at any time. Because of that, I'm hesitant to buy property in any specific city right now.

So, looking ahead, our family will likely need to fund:

• My marriage
• My sister's marriage
• A new home for my future family
• General retirement expenses for my parents

Now, my father wants to buy a car, and the car we're considering is an EV costing around ₹25 lakh.
One important factor is that we already have a rooftop solar setup at home. For day-to-day driving, we would be able to charge the EV using solar power, making our regular commuting costs almost negligible , Apart from occasional highway trips and battery-related costs in the long term, running expenses would be very low compared to a petrol or diesel car.

The question is whether spending around ₹25 lakh on this EV makes sense.

On one hand, it's a depreciating asset. On the other hand, he's already 55 years old and may not be in a position to enjoy driving a nicer car 10-15 years from now. If we buy a ₹12-14 lakh car today, it may not be realistic to upgrade later because we'll have several major expenses coming up after10 years.

Would it be reasonable to spend ₹25 lakh now on a good EV that could serve the family for many years, or would that be a poor financial decision given our overall situation?

Additional context:

• Neither of my parents has any major debt apart from the existing EMI deductions already reflected in their take-home salaries.
• The retirement corpus estimates are after accounting for future deductions.
• Both parents will receive pensions after retirement.
• I currently have about ₹15 lakh invested through SIPs and no debt.
• I expect that I will need to move out after marriage due to the house layout and neighborhood environment.

EDIT:
I was actually thinking of stretching the car budget to around ₹17 lakh initially. But then I started looking at the higher-end EVs, especially the Mahindra models with BYD battery packs, because my intention is to keep the car for 12–13 years.

My thought process was:

• A ₹17 lakh petrol/diesel car over 12–13 years could easily consume another ~₹8 lakh in fuel costs, taking the total ownership cost to around ₹25 lakh.
• A good EV might cost around ₹25 lakh upfront, but charging and maintenance costs would be significantly lower. Even if I assume ₹2 lakh of additional running costs over the ownership period, total cost is roughly ₹27 lakh.

So effectively, for about ₹2 lakh extra over the full ownership cycle, I get a much more premium vehicle.

I know the counterargument is that the extra ₹8 lakh invested elsewhere (FD, mutual funds, etc.) could generate returns that offset part of the fuel cost. But my bigger concern is the long-term future of petrol/diesel vehicles. With increasing ethanol blending, potential butanol adoption, stricter emission norms, and overall uncertainty around ICE engines over the next decade, I'm not fully convinced a petrol/diesel car will age as gracefully as a good EV.

That's why I'm leaning towards buying the best EV I can reasonably afford and then just keeping it for the next 12–13 years.

EDIT 2:

A lot of people seem to have interpreted my post as me trying to stop my father from buying a car because I want my parents to save their money for my wedding or for helping me buy a house. I apologize if I wasn't able to explain the situation clearly.

First, it is actually my father who is confused about whether spending ₹25 lakh on a car is the right decision at this stage of life. He has been going back and forth on it, and that's the main reason I made this post—to get outside opinions and perspectives that we may not have considered.

To be honest, I fully intend to take care of my own wedding expenses. It will likely be a very simple and minimal wedding, but I do not expect my parents to fund it. They are just considering funding small part of my wedding

Similarly, I also plan to take responsibility for buying my own home in the future. My parents have said that they would like to help.

The reason I mentioned future expenses such as marriages, housing, and retirement is because when evaluating a ₹25 lakh purchase, I think it's important to look at the overall financial picture of the family rather than viewing the car purchase in isolation.

I'm not opposed to my father enjoying his money. In fact, one of the reasons I'm even considering a more expensive EV is precisely because he's 55 now, and there may not be another opportunity later to buy and enjoy a nicer vehicle. I'm simply trying to figure out whether it is a sensible decision given all the moving pieces, not trying to prevent him from spending his own money.

Hi everyone,

I'm considering the Mahindra BE 6 and wanted feedback from owners or anyone who has experienced the rear seat.

Can three average-sized adults (or perhaps one above-average-sized adult around 100 kg and two average-sized adults) comfortably sit in the back for city drives and occasional 6-7 hour highway trips?

Thanks!

Need advice from people who have actually bought family cars and gone through similar situations.

We're a family of 4 from India, and our budget is capped at around ₹24 lakh on-road.

After a lot of research, we've basically narrowed it down to:

• Mahindra BE 6 Pack 2
• Mahindra XEV 9e Pack 1

The interesting part is that my father likes the BE 6, but he's also strongly attracted towards the XEV 9e simply because it looks bigger and more premium on the road.

He has always preferred cars with strong road presence. He even jokes that he would happily buy an Innova if budget wasn't a concern. So I think the bigger size and SUV-coupe look of the XEV 9e are influencing him quite a bit.

From my perspective:

• We are only a family of 4.
• I don't think we actually need the extra space of the XEV 9e.
• The BE 6 already seems more than spacious enough for our usage.

What makes the decision difficult is that at this budget, the BE 6 Pack 2 gives significantly more equipment than the XEV 9e Pack 1.

For example:

• ADAS Level 2
• More features overall
• Better infotainment setup
• Additional tech and convenience features

So I'm stuck between two approaches:

Option A: Let my father buy the car he emotionally likes more (XEV 9e), because ultimately he'll be the primary owner and road presence matters to him.

Option B: Convince him that we don't really need the extra size and that the BE 6 Pack 2 offers much better value and features for the same money.

For those who have purchased family cars before:

• Did you prioritize features or emotional appeal?
• After a few years, do owners actually appreciate the extra space and bigger presence of a larger vehicle?
• If you were spending your own ₹24 lakh today, which would you pick and why?

Would love to hear from owners of either car as well.

Need advice from people who have actually bought family cars and gone through similar situations.

We're a family of 4 from India, and our budget is capped at around ₹24 lakh on-road.

After a lot of research, we've basically narrowed it down to:

• Mahindra BE 6 Pack 2
• Mahindra XEV 9e Pack 1

The interesting part is that my father likes the BE 6, but he's also strongly attracted towards the XEV 9e simply because it looks bigger and more premium on the road.

He has always preferred cars with strong road presence. He even jokes that he would happily buy an Innova if budget wasn't a concern. So I think the bigger size and SUV-coupe look of the XEV 9e are influencing him quite a bit.

From my perspective:

• We are only a family of 4.
• I don't think we actually need the extra space of the XEV 9e.
• The BE 6 already seems more than spacious enough for our usage.

What makes the decision difficult is that at this budget, the BE 6 Pack 2 gives significantly more equipment than the XEV 9e Pack 1.

For example:

• ADAS Level 2
• More features overall
• Better infotainment setup
• Additional tech and convenience features

So I'm stuck between two approaches:

Option A: Let my father buy the car he emotionally likes more (XEV 9e), because ultimately he'll be the primary owner and road presence matters to him.

Option B: Convince him that we don't really need the extra size and that the BE 6 Pack 2 offers much better value and features for the same money.

For those who have purchased family cars before:

• Did you prioritize features or emotional appeal?
• After a few years, do owners actually appreciate the extra space and bigger presence of a larger vehicle?
• If you were spending your own ₹24 lakh today, which would you pick and why?

Would love to hear from owners of either car as well.

Need advice from people who have actually bought family cars and gone through similar situations.

We're a family of 4 from India, and our budget is capped at around ₹24 lakh on-road.

After a lot of research, we've basically narrowed it down to:

• Mahindra BE 6 Pack 2
• Mahindra XEV 9e Pack 1

The interesting part is that my father likes the BE 6, but he's also strongly attracted towards the XEV 9e simply because it looks bigger and more premium on the road.

He has always preferred cars with strong road presence. He even jokes that he would happily buy an Innova if budget wasn't a concern. So I think the bigger size and SUV-coupe look of the XEV 9e are influencing him quite a bit.

From my perspective:

• We are only a family of 4.
• I don't think we actually need the extra space of the XEV 9e.
• The BE 6 already seems more than spacious enough for our usage.

What makes the decision difficult is that at this budget, the BE 6 Pack 2 gives significantly more equipment than the XEV 9e Pack 1.

For example:

• ADAS Level 2
• More features overall
• Better infotainment setup
• Additional tech and convenience features

So I'm stuck between two approaches:

Option A: Let my father buy the car he emotionally likes more (XEV 9e), because ultimately he'll be the primary owner and road presence matters to him.

Option B: Convince him that we don't really need the extra size and that the BE 6 Pack 2 offers much better value and features for the same money.

For those who have purchased family cars before:

• Did you prioritize features or emotional appeal?
• After a few years, do owners actually appreciate the extra space and bigger presence of a larger vehicle?
• If you were spending your own ₹24 lakh today, which would you pick and why?

Would love to hear from owners of either car as well.

EDIT: Budget is ₹24 lakh on-road.

Hi everyone,

I'm planning to buy a Motorola Edge 60 Fusion and want to purchase a case and screen protector at the same time.

My main concern is compatibility. I've had phones before where the tempered glass fit perfectly until I installed the case, and then the edges started lifting or collecting dust.

If you're using an Edge 60 Fusion, what case + screen protector combination are you using, and does the case cause any screen protector lifting?

Thanks!

Hi everyone,

I'm planning to buy a Mahindra BE 6 Pack 2 and I'm confused about insurance options.

A few questions for existing EV owners:

1. Where did you buy your insurance from?
2. Which add-ons are must-have for an EV like the BE 6? So far I've heard about:
3. Is there a separate battery insurance / battery protection add-on? I've seen people mention battery damage coverage for EVs, but I can't find any dedicated battery add-on on Acko. Is battery damage already covered under comprehensive insurance, or do some insurers offer a separate EV battery protection rider?
4. For those who have made EV insurance claims, which insurer gave the smoothest claim experience?

The BE 6 battery pack is obviously the most expensive component, so I want to make sure I'm not missing any important coverage before delivery.

Would appreciate hearing:

• Your insurer
• Premium paid
• Add-ons selected
• Any claim experience (good or bad)

Thanks! 🙏⚡️🚙