How Much Should You Spend On A New Vehicle Purchase? | MotorInc Spark

[@hgpoovanna4069]

Back in 2021 when i decided to get myself a bike i had a budget if 2 lakhs (on road ). I was planning to stretch it by 30k and get the duke 200, but then made up my mind and bought the rtr 200 4v for 1.75L. That was a good move, finished off the loan in a year, the bike doesent demand any extra care , im hvin fun 😀. Used up the left over 25k out of my 2L budget on a good helmet, jacket, gloves......whch aftr a year and half helped me survive a crash without a scratch.

[@motorinc]

Fantastic to hear your experience HGP! Thank you for sharing it here. Will be helpful to others in the MotorInc family!

[@AdventureGuruji]

The duke 200 still cost 2.30 lakh in 2023

[@hgpoovanna4069]

@@AdventureGuruji depends whch state u r from bro. Karnataka has more tax. Right now duke 200 costs close to 2.5l on road

[@tejasjain9910]

Sir those who have the yearly income of 5LPA can't buy any cars then with the mathematics which you explained 😢

[@rohitvyas13]

@@tejasjain9910 you shouldn't really buy a car with an income of 5LPA

[@itsmepaahinath9789]

Totally agree with your point. Since 2017, my dad had this dream of geting a Jeep compass. It used to cost about 60% of his annual income during its initial launch. Due to different financial commitments he waited a little longer before making the purchase. Then came covid and he lost his previous job, he realised that there wasnt much of a time left to wait and just after he got his new job and covid cases got reduced by the end of 2021, he decided to make his dream purchase even though the car costed way more than before. We took the delivery of our Compass model S on January 2022 and it was the best day of our lives. But it wasnt all good. Previously we used own a 2009 model Suzuki Ritz, we still have it and it’s in perfect condition. It was a hell lot of fun car to drive, and my dad used to rock it while driving. In the initial stages after buying the car, it always looked like he was trying to protect the car instead of enjoying driving it. He used to go at a slower pace than he is used to and became a little more careful. It was a heartbreaking day when the car had its first minor accident, when a scooter guy came and hit on the rear bumper of our parked car, it was just returning home after having ceramic coating. It’s been over an year since the purchase and thankfully the car is still in its showroom condition. Although we love the car and it was in all sense a dream come true for my dad and a big motivation for me, there’s always a sense of extra care and fear of damage to the vehicle. With time these fear does come down and I realise that I feared more than my dad. He keeps on saying, he bought the car to protect us on the road. But still, before making any such decision, I would recommend you to think twice and interospect about how much risk you are ready to take and what’s the purpose for the purchase.

[@motorinc]

What a great comment! Thank you for sharing your perspective. It's true -- how much we worry and how it affects what we purchase and use are so personal!

[@harisshlunanii507]

Seriously an eye opener

[@brownrocket]

Did the Scotty guy pay for the damages or his insurance paid ?

[@Ymraq]

@MotorInc! Please please please don’t ever change. Your channel is such a breath of fresh air! I have seen so many channels start off great but eventually all of them just become an advertising channel for the vehicle manufacturers. So please please please don’t change!!

[@motorinc]

With encouragement like this! Don’t you worry! ❤️

[@rydshane]

I could not agree with this more! Fell into the trappings of an aspirational purchase when it came to a car, overstretched, and then felt every bump on the road and every tiny scratch on the body. And, now when I'm buying a bike, I really don't want to worry about it, I want to ride, I want to live a bit of my life through it. And, this perspective just re-enforces that belief. Thank you so much for your words, Kartikeya!

[@motorinc]

We live, we learn! Wish you the best for the next one Shane! And thank you!

[@rahulkrish9840]

If you feel every bump on the road, then you have bought the wrong car. Stop blaming cars for your poor decision making skill.

[@rohanvarghese1829]

@@rahulkrish9840It's not a big deal if a customer wants both ride comfort and ride dynamics

[@prakharraj9027]

​@@rahulkrish9840 it is being said metaphorically and not "literally". Hope to see you being a little more humble next time.

[@beginner2probiker]

I think society influenced to buy a car and later regret it. What ever you buy plan maintence cost before buy. I know someone who bought car without their parking lot, initially manage to get space from neighborhood now they neighbor own one, they force to park their car at month rent of 1500

[@shantanu_d]

The last line was gold 👍 Reminded me of an incident at a footwear showroom where the sales executive was explaining how to take care of their premium "paper leather" shoes. After listening for a few minutes a friend said that seems like I will have to wear it on my head.

[@motorinc]

Hahahaha Makes sense!

[@-humsafar]

😂🎉

[@Mithrandir95]

At a time when everyone is focused on spending more and showing off more. Thanks Shumi, Kartikeya and @MotorInc for being different. It’s important to go through the journey of learning how to love your machine irrespective of how cheap or costly it is. While also being practical and not going into debt

[@motorinc]

Thanks! ❤️

[@NikhilKumarM]

Amazing comment but why tubeless male?

[@aj_wuwei]

It is very true considering, people don't even test full potential of their bikes nor do they upgrade their skills, but go crazy upgrading bikes. A skilled rider will always looks graceful even on a 100cc "ugly" looking bike

[@rajraghu07]

@motorinc Really Appreciate your efforts and work

[@owaisparvez6232]

This is a gem. So many people need to hear this today and the perspective is true for passions/ products not just cars...

[@motorinc]

Thanks OP! Good to see you in the comments again!

[@adityasatishkulkarni8213]

@@owaisparvez6232 right sir

[@AnoopKumarPG21]

Damn, I never thought things through this perspective. Such a simple point, yet so effective. Most of us, always stretch our financial limits to own that dream machine and later on baby it so that we can sell it for a better price whenever that happens. Instead, what Mr K said makes so much sense. Kudos to the team in bringing up such meaningful and thought provoking topics.

[@motorinc]

Hey Anoop! Glad we could help! Thanks for holding on!

[@axmyoz]

I so wanted to apply for a vehicle loan and get my dream bike for my birthday this year.... I'm very glad you guys uploaded this video. Definitely not ready to get into a commitment like a bike for now. Gonna hustle more and wait a bit longer. Slowly but surely.

[@motorinc]

Excellent! Hustle now. Enjoy better. 😀 we are with you!

[@darani123]

Bold but necessary video every Indian needs at this point of time. Again @motorinc has done it the right way instead of just boasting about what the vehicle offer. Today its become a trend to buy car for its features than remembering that its a vehicle that moves from PointA to PointB. Buy only what you need and what you can afford. Very sensible & true advice an auto enthusiast can give. Kudos to the @motorinc team and hatsoff for your work again.

[@motorinc]

Thank you D! Appreciate the encouragement! 🙏🏾

[@joseph3b3]

So cool that they didn't edit the part where there was a small confusion when Karti was explaining the 20-10-4 rule... This KZbin channel is so legit... We are here for such original, legit, true content...

[@motorinc]

Haha glad to know that! And, thank you so much! 🙏🏾

[@dinhorox199]

Very interesting insight! I kind of made myself accept that vehicles are prone to get damaged here and there, especially due to the traffic sense (or the lack of it) in India. I ended up buying a secondhand Corolla Altis for 1/10th of it’s showroom price and had some of the best experiences through it! Acceptance is the key. 😄

[@motorinc]

We can see the halo from here! Bodhi power!

[@TheScorp06]

A couple of years ago, I bought a pre-owned CBR 250R. It was 10 years old and needed some care , but the engine was immaculate and for less than 40K it was a steal. Since then, I've had immense fun on it, from weekend rides to trips. And I've spent more on riding gear than what I bought it for. Now that I can, I am ready to buy a more expensive motorcycle straight from the showroom floor.

[@sameer_dhingra]

I never imagined to be paying 20k per year for zero dep insurance renewal from the dealership. Also spending around 35k for extended warranty for 4 years was not something I was expecting above the cost of the final price of the car. I've also spent more than 1 lakh in petrol over the last year and a half. So yeah, if I had maxed out my budget while purchasing, I would have been unable to buy all this and gotten stuck now. I am also expecting to spend between 25-40k on tyres within the coming year, so that's another extra thing to plan.

[@motorinc]

Fantastic! Glad to know you got this figured!

[@rahulkrish9840]

Pls take a taxi boss. You have made wrong decision

[@Abhishek-rl3no]

The line, "You should own the vehicle not you your vehicle owns you" completely blew my mind. I'm a big yamaha fan and was planning to get MT15 but after the Speed 400 buzz in the market I was more attracted to it despite knowing it's milage nd maintanence. Surely I'm gonna get the MT-15 as i currently own a R15 V2 from 2017 which still runs very smooth without a engine problem since then. Kudos to team MotorInc 💙

[@neo4646]

This was really needed. One of untouched angle of buying/owning car or motorcycle... Mostly people makes decision just on EMI!

[@motorinc]

Thanks Neo!

[@tuhinroy8762]

Very well articulated. Since these are aspirational purchases, sometimes we lose the sense of value and end up burdening ourselves. It is hard but who can master their minds they are the winners here. Other than the income and emi ratios, if you have equal amount of savings of what you are buying then it is much easier to deal with with great levels of confidence. For example, buying a 10l car then you should have at least 10l savings in your account at least.

[@motorinc]

Yes. Doing the math is so important!

[@bigbearbangalore]

This is more than just automobile advice. This is life advice. Thanks. Cheers!

[@motorinc]

Hullo BBB! Glad to know it hit the spot. Thanks!

[@PrateekGarg-fb3yy]

Bang on, this is such an eye opener piece of advice. With noises all around to either constantly upgrade or be lost, this video is such a pearl of wisdom. Really wanted to upgrade my current car just within 4 years of ownership, but now believe it's time to introspect before making any impulsive decisions.

[@motorinc]

Talk about timing!

[@swapnilb4877]

This video is just pure gold. Amazing stuff

[@motorinc]

Thanks Swapnil!

[@tranquiloofficial24]

We bought the petrol 2018 Hyundai Tucson after we permanently settled in Kerala. We thought it will be our only car and we had compass, tucson, creta, karoq, tiguan etc. We bought the tucson thinking that it will be our only car. Just to protect our car, we built a seperate garage which allows 2 cars to park. This was because of the size of the vehicle, and it was damn hard for parking in small towns and very impractical for daily town commutes and my father would checking the car often after we parked the car road side. So we bought a year back 2018 santro for daily use. But after a year, it had clutch issues and power was so poor. So we upgraded to i10 nios. Now we are planning to sell the tucson for an electric car because we almost spend 10-12k rupees per month for petrol only. And we will sell the i10 after my graduation.

[@ShantanuDeshmukh88]

Lot of wisdom packed in small video. Hats off to Motorinc for similar great content on your channel. I went against the market trend of show-baazi and bought Tata Tigor petrol. Literally No one buys this car. But it has spot on handling, steering, great suspension. Cabin comfort is great. Big boot that satisfied my touring requirements. Engine is not spunky and is not that refined. But the car is 4* safety rated. It is also very compact so I feel no stress when driving through tight spots, city traffic etc. With BH registration it costed me just ₹8L. Which is much less than 3 times my annual earnings. I don't worry too much on mileage as I know I haven't spent crazy amount upfront anyways. And I only took 40% of cost as loan, that too to save some liquidity. I may look small, insignificant in front of other 95% financed hulking "SUVs". But I know I have made the most practical decision both requirement wise and money wise. In a way I am standing out in the crowd now and I like it 😅

[@bkbehera3113]

You buddy have grown up …this shows that you are genuinely interested in sharing wisdom and not just grab likes..stretching budget is an easy pitfall for almost all car buyers…thanks for sharing…

[@shivakumarsaminathan2847]

100% !! I did same in my first car purchase. Its a Base variant coz single engine option - many told just base variant go get a second hand top variant? To me its a great choice coz i can fit accessories according to my taste and NEED. Second hand wont suit me. Im like, get a new one enjoy atleast five years (not an enthusiast) But engine is very reliable and safe to an extent too I spent on accessories which i felt much much needed (i put seat cover after 5 months. Coz my mind said many times that 'yes u have to put seat cover ') I didnt run behind brand, i run behind reliable brand and superior after sales support I use the car fully by spending less Finally im super happy with my car, stress free ownership. Im not worrying about my car. It serves the purpose in a great way. Dont be emotional , do the math purchase it then fell in love with it

[@motorinc]

Loved the last line! Glad to know that! Thank you for sharing your story with all of us! Will help others too!

[@vzvish357]

this is what I followed with my recent purchase: went for loan (67% of onroad amount); didnt go beyond my CTC amount no matter what; (my reasoning: with 30% of average annual saving I should be able to virtually recoup the onroad amount in ~4years) was aspiring AT (preferably TC) but not a deal breaker since I enjoy MT; if price delta is not much then prefer top model

[@akhilkaval]

Thank you for making me do maths in the morning. Head is spinning. Now I am going to spend the rest of my day wondering about which motorcycle / car I can buy today with the 20 - 10 - 4 rule !! even though I dont intend to buy one. Always appreciate such informative videos !

[@motorinc]

Hahah Kartik fumbled and stumbled the math himself! Hope the day has gotten better now.. 😃

[@shivamx008]

I wish there were ways to buy directly from the manufacturer, it would make this thought process easier to adapt, the reason being I'm fed up from the fact that there are showrooms and dealerships who try every trick in the book to manipulate , sometimes dupe customers. They add mental stress on customers to buy this variant , get this insurance, get that accessories or we wont deliver the vehicle on time

[@motorinc]

True. The process can be complex and manipulative which doesn’t help. Not all dealers though

[@sagar61sugar]

I totally agree with this and realised this recently personally. I had 2 issues back to back one with my car and another with my bike. I just straight went to the service centre and fixed these issues and was so relieved and could use these machines without a fuss. Earlier i used to worry a lot about these things and would end spending unwillingly. You should always get what you can afford and maintain. It's not just about one time buying, you have to use them maintain them. I've seen People buy cars and cannot pay the fuel price to use them.

[@motorinc]

Phew! Glad to know you had planned ahead! Thanks for sharing your garage stories with us!

[@goswami25T]

The best and greatest advice, it helped me in a second infact no words to appreciate, i were wandering and having so many doubts about planning my first bike, which bike should it be when and how to manage funds for riding gears and all, and see everything is sorted in this video. Thank you so much! Team motorinc...😊 One more request to you please make a video on riding gears about...as there are so many cities who have enthusiasts living there how will they approach riding gears buying them online or offline or some suggestions and whatever you want to put in that video but please make one on it

[@motorinc]

Hullo GJ7461! Thank you - for writing in and the recommendation! And all the best for your ride! ❤️

[@amarpradeep]

It's hard to find videos of a well-articulated perspective regarding vehicles (pretty much any other topic for that matter). Really appreciate the thought process that you guys put into before starting an idea for a video. I have been wanting to buy an RE with a budget of 3L (kept aside 7L in total to make this 3L purchase, to counteract my purchase through same amount in savings). But I still want to wait and accumulate another 2-3 L before making the purchase. Because it's only when we start using a vehicle that we truly get an understanding of what we need as accessories to enjoy the ride and what we don't need. I don't want to be that guy that makes hasty decisions out of love just for the sake of it. I wanna savor every moment I spend with the bike and I don't want unplanned/unexpected expenses/dents for the vehicle to ruin my experience. Thank you once again for making such videos. More people will be able to make an informed decision before spending huge amounts on these things.

[@abk23]

That sounds awesome man. Did you end up buying?

[@amarpradeep]

@@abk23 Yes, I did. I bought a Honda CB350RS. Haven’t regretted my decision at all.

[@pulkittandon4896]

MotorInc is my Satsang! It inspires, educate and manipulates :P Love your work and you both!

[@motorinc]

Our intent is to Inspire, educate and engage. Definitely manipulation is not our intent or our principle.

[@pulkittandon4896]

@@motorinc Yes ofcourse! Thays where there was a 😜 . Good luck!

[@jaymohannair363]

You are right. There was a phase when my car controlled my happiness. Was always thinking about someone ruining the car paint, what if it gets a dent etc. Spent a lot on keeping it in showroom like condition and purchasing additional accessories. And the irony is I didn't go for many trips. Got transferred to another location as part of job role. Sold the car. I'm much more peaceful now. ✌️

[@motorinc]

Thanks for sharing!! All of us learn from our mistakes and that's how we evolve to making better and more informed decisions in the future.

[@unnikrishnanvasudevan3763]

This is so true. If i stretch a bit, i could buy a Merc, entry level though. But I decided to go with a used Toyota for those family needs and a used Octavia to satisfy my high speed cravings. That way, i am able to fully utilise the potential of both the cars without worrying about the maintenance costs. A few lakhs for Mechatronics ? No problem. Suspension change every 3 to 4 years ? No problem.... Such things do not put stress on my finances at all.

[@motorinc]

Well said!

[@N0tTh3Pr0]

Great video and all as always motorinc, the cherry on top was that even after having a couple of bikes and cars through different finance methods like emi’s and all… even Karthikeya fumbled initially while explaining emi… it is very confusing and too much for my brain I just save up and buy the vehicle… and also that “spend no more than half of your income “ on such things,is actually something that has been a family lineage for us lol..

[@motorinc]

Hullo again! And that’s awesome - better to spend knowing fully well you can afford it. And hello to the family!

[@niralpalwe]

True. But one can associate with that sadness, that remorse you feel when your riding practical choice and you see the the dream vehicle on the road, looking even more sexy and appealing. Human brains are complicate.

[@m80555]

Absolutely fantastic video, straight to the point. No running around bushes. Crisp as other videos. Kudos to your hard work and experience ❤

[@motorinc]

Thank you very much!

[@jubinsinghal]

Thank you and great work as always. Great to hear 'seasoned people' resonate my thoughts and validating them for myself. Of late i have had 'uncles' buying their 'last cars'. In essence a car for retirement years something which they will grow too old for eventually. Can u do a video on it. Thanks, love and appreciation for team.

[@motorinc]

Hullo Jubin! Thank you and glad to know this connects! And thanks for the recommendation- what would you want to be discussed in that? Suggestions for them? 😁

[@amiyachourasiya]

Wow wow wow, we are at very much the same frequency. I also think the same. The joy you get when you do not have the stress and tension of owning something costly and that you make all use of it and are carefree is enormous. I have seen people spending on Harrier and XUVs and are afraid to do a particular stretch or hardly take it out twice or thrice in a month, what a waste of money. Rather buy a Brezza or Sonet and make full use of it and be tension free.

[@motorinc]

Hi! We agree then! Awesome. Thanks for dropping a message here. Do let us know if you have any suggestions for us!

[@vintechtalk1094]

I hope all the prospective car or motorcycle buyers watch this video. We Indians stretch too thin to buy a bigger vehicle mostly for snob value. It’s amazing how some people think of impressing others with their purchase rather than to satisfy their own needs and happiness. Especially when it comes to vehicles don’t take a lot of loan to buy because vehicles are a depreciating asset, shop within your limits and enjoy your vehicle to the fullest. Thanks so much for this video. Highly appreciated 👍

[@amolgurav3475]

This is a greay advice! I had exact ssme thought process when I recently bought RE Meteor 350(after a 7-8 year pause of living without a motorycyle). I just missed the fun of riding a motorycycle. I bought it without any loan. I could have bought something which cost twice as much, but it would have brought in the exact same worries that you mentioned Kartikeya. Kudos to you guys. You guys are spreading the rare wisdom on this channel!!

[@motorinc]

Awesome! Congratulations Amol! Glad we can help!

[@mloydfayweather6605]

Back in 2022 I had a budget of 1lakh for a 2 wheeler ended up buying a ct 110 x and honestly really satisfied.

[@AutoKay]

This is a very important video. I didn't keep the buffer of 20% wherein now I have to manage accessories from my savings. One calculation I followed was, (as shumi says) fix a monthly emi for yourself. Ideally could be 10-15% of your salary. 12k-13k if you make 90k - 100k wach month. Add 8-10k worth of fuel + maintenance (if you cover 1000km @12kpl). So 25K goes towards the car. You can play with loan tenure as the interest is 2-2.5% higher than inflation rate. So ideally longer the loan, inflation takes care. Also, if you are young in 20's, in 5-7 years, 12-15k will mean not much. Don't compromise on the vehicle. I couldn't like driving Hyundai Tata Suzuki cars (except swift) and ended up buying a pre-owned ford figo (9k kms in Warranty)

[@motorinc]

Hullo AK! Good to see you again! Thanks for sharing your experiences and tips! Super helpful.

[@ruchirtd1]

The timing of this video couldn’t be more perfect…just planning to buy new bike and this helped a lot!!

[@motorinc]

All the best Ruchir! Thanks for speaking up here!

[@manojunited1]

Great message! We can apply this to any purchase decision. What we are going to do with that thing and the experiences we will get out of our purchase is more important than simply acquiring something.

[@motorinc]

We don’t know about that! For different spends different percentages apply. 😆 Buying a house just won’t be possible with this. Hehe. WhT were you looking to use it for?

[@manojunited1]

@@motorinc Have I missed something?

[@motorinc]

We’ve had a reply or two appear in a different thread now and then. Maybe this is one of those times 🤷🏽‍♂️

[@prabhusantoshpanda5259]

Gold of a content educating riders on really important aspects of owning a vehicle. Keep going U guys.

[@motorinc]

Thanks Prabhu! ❤️

[@akhilreddydwaram]

I am thinking of purchasing a car. I am bit confused on whether to stretch or not. And I love to have fun with the car. This video reinforces by belief on not to stretch my budget.

[@nitinjadhav108]

This is one of the most wise videos, i have come by, in terms of money and possessing automobiles. The views staged in the video i have always held within me, but today seeing this video they got validation!❤🎉. Sincerely Thankyou to make such a wonderful video... All the best!!🌷

[@abhishekroy910]

I have a different perspective, To me it's not about how much the car or bike costs, it's what I want to do with it and running them by the cost of doing so. I've spent more than I can afford to on a vehicle but i've always made sure these are vehicles that are cheap to maintain and repair.

[@motorinc]

Glad to know what you have got going! Can you explain more? Might be helpful to others too. Thanks in advance.

[@abhishekroy910]

​@@motorinc I have 3 cars at this moment, #1 is a forester that I bought 6 or so years ago, #2 is an FI zen and #3 is a fiat avventura. The forester I bought to slowly turn it into an overlander, zen is a recent purchase that i'm going to tune into a corner carver and the fiat is a daily driver. The Fiat is a diesel with a 1.3 multijet, very reliable and cheap to fix motor with spares found everywhere but in the body of a fiat so I get awesome stability and handling performance. I've done some minor tuning to make it slightly peppier and it's mostly for use within the city and my wife and I drive across states with that car , we have 4 dogs and safety was a critical consideration. Since this car is a mile eater, we considered cost of fuel and regular maintenance. This is a car that's driven the most hence any small issues on this get fixed right away and the cost of ownership is almost negligible. However at the time of purchase we made sure to finance it and factor in that cost and hence it's almost like renting the car without blocking any money. In another year or so we're due to replace it with a used volvo, most likely a v40 or xc60, I'm still getting into cost of parts, insurance and regular maintenance. The forester was more of a fun project car as was the zen, so they end up having a lower cost of acquiring vs regular maintenance and investing money in building parts to lift the forester and the zen is getting ready for a complete suspension replacement and engine swap. These cars can take their time being out of order or sitting at the mechanic. My forester was at the garage for a year, 21-22 while I was building and designing the lift kit. It's soon to be in the garage again for a good time since I'm not completely satisfied with a 2 inch lift and 1 inch track offset. My aim with it to lift it a total of 4 inches and throw on some mud tyres and an additional 1 inch offset.

[@ontheroad8149]

Perhaps that suit joker guy did not know you owned a Busa too😂. My only problem with the leather suits is they can’t be used everywhere like mesh jackets. Costs a bomb on top of that. Great finance tips there Singhee. Regarding EMI, make sure you always have 3 months next worth of its EMI and fuel/service expenses in the bank. In this age of overspend that other channels advocate, you’re a gem. I’m putting off the purchase of a less run 2016 Multistrada 1200S just for this. I need that odd 2-3L to upgrade to good helmets and riding gear. Picking up a good preowned example, like Shumis ex1200S is also a good idea, but certainly not on loan. It’s with a TeamBHP member now and he loves that motorcycle to bits, it’s his only one now. It never even got listed, saw multiple test rides even. just sold a couple of weeks after he traded it in. let Shumi know about this guys!

[@motorinc]

Hola OTR! Thank you! Kartikeya’s friend meant well. The ‘Busa came much later. Wish you the best for the Multi! Take your time. Keep us posted though!

[@ontheroad8149]

@@motorinc just one query guys, does the Multi support a quickshifter? I want one if I’m owning one and this 2016 example that I’m considering doesn’t have it!

[@woody_vlogs]

Wanted to change/upgrade my tb350 (2015) as it was having engine oil leak issue due to a damaged main drain bolt and also had been giving me tail bone pain. Sold it for ₹80k. Had to pay the same remaining amount ₹1.5L that i paid in 2015 to buy my tb for buying classic 350 or cb350 now. Instead i paid ₹20k extra and got by cbr250r as a third owner with 26k on the odo. In cc perspective it might be a downgrade, but on a overall experience perspective, it definitely is an upgrade for me. Just changing the engine oil once a year and brake pads once in 2 years. Such a low maintenance bike and a healthy sports tourer👍🏻🔥🔥

[@avid_biker]

So car-wise. I generally don't spend anything extra other than what comes stock or add-on accessories with the car itself. So 2020 Seltos Top model came with everything I wanted/needed. The only accessories I bought were floor/boot mats and footboard 25k! Of course ceramic coating/ppf of 60k that lasted almost 3 years. And now 5th year another coat of ceramic coating for 40k. Kept aside 40k for tires. General service once a year on avg is 4000rs, thats 20k for 5 years. So approx total 5 year ownership cost comes to 1.85 ~ 2L. Total cost 22.5L Compare that to my bikes I must have spent almost 1.91L worth of accessories on the 2020 Himalayan who's ex-showroom price itself was 1.96L. So easily a 4L bike ownership cost over 3-4 years!

[@motorinc]

Thanks for sharing your perspective! That helps!

[@rishabhrastogi506]

Good, serious and real-world content. Keep it up.

[@motorinc]

Thank you Rishabh!

[@scienceByV]

My dad offered me to buy a new bike on loan in my undergrad and I said it’s okay I can use his old Super Splendor. Best decision I ever took. Not much maintenance cost and 0 loan

[@Newbutold]

Thank you. Just when I was thinking of adding a sibling to my current car in Jimny 😅

[@motorinc]

♥️

[@siddheshpatil1384]

Recently bought XUV 3XO AX7 Diesel AMT. Firstly I planned to buy a car to a budget of 12 Lacs. But buy seeing wife’s enthusiasm towards Panoramic Sunroof, need of Automatic Car which she can drive and seeing happiness and smile on my 4 month old new born baby while seeing the skies in friend’s car sunroof. It made to buy me that one. Seeing them happy feels like getting extra 4-5k/month EMI worth it.❤❤❤

[@motorinc]

Thanks for sharing @siddheshpatil1384!

[@rjev35]

I just love the spark in you when you discuss your real life experiences. This really didn't make me nap! 😉

[@motorinc]

🤜🏽🤛🏽

[@thandruphani]

I wish the video was long , it just ended in a snap ,,, We can listen to this guy for all day long and the approach he provides is awesome,,.. thanks Karthikeya😊

[@motorinc]

Thank you for the kind words @thandruphani! We'll pass on your compliments.

[@siddhesh2002]

I have had known this finance for buying a vehicle but none of the vehicle influencer have included it n you did it , Just excellent!

[@motorinc]

Haha Thanks so much. We’ll stick to automobiles - everything auto! So. .. some bits of finance.

[@Dheeeeraj]

This video was a must after the last 'How to judge a car' video!

[@Dheeeeraj]

Also Kartikeya seems to be experimenting with his looks. Nice!

[@motorinc]

Hello Dheeraj! Thanks so much for the shout out! Glad to know you liked it.

[@blank001]

I have a bike in mind from a long time, I can buy it with around my 2 months salary. The only thing pulling me back is 1: Do I need it? 2: Will I use it enough to justify the price tag?

[@motorinc]

1. If you really needed it, you would already have it. 2. This is a question you can only answer. We'd suggest taking a test ride of the vehicle. Assuming that it doesn't put a dent on your finances and you really like the experience of riding it, there's only one answer here.

[@ronyrulez29]

Well said...... But I feel in some cases passion defies logic. We love travelling as a family and my kids are the happiest when they are travelling so for us a a vehicle purchase is a family decision. A thing with which we will be creating many memories in the coming years. During our current vehicle hunting we had finalized a budget after following all calculators. But during test drives we all loved something which was exceeding it by 25%. So when it came to finalizing it, both of sons told we dont need any toys for coming years lets have that car which we all loved. Also I feel if its a thing which all of family enjoys and agrees to, then we definitely will find the funds to maitain and enjoy it fully.

[@motorinc]

Amazing!! That’s such a lovely incident to know of. Thank you for sharing it with all of us. Wish you all happy motoring!

[@mdzaid5925]

I would say it's equally important to not to underspend as it is for overspend. I sold my gixxer due to engine issue & plan to upgrade, moved to a different city and was shaken up by the expenses. Then purchased a fz v3 as a compromise. I could have spend more as I had the funds and was not taking loan but I didn't. Overall I hated my experience and 15 months later, I sold her, suffered a loss of 65k and bought a ns200.

[@motorinc]

Yes! Superb point Zaid. We'd underline the idea that knowing what you want is _far more important_ than can you afford it. The former is critical, the latter is a matter of time.

[@aniruddhakumardutta8925]

Much needed video👍. Nicely explained

[@motorinc]

♥️

[@anupamtheboss4536]

I Say spend according to your salary or your Parents capacity, when it comes to vehicles , there is always a Car or a Bike in every category, say Adv, sports,or cruisers . for examle from xpulse to BMW R1250 or for sports lovers from the Great R15 to the S1000rr. I Say money is Not at all Important, the Real thing is that You Must Know what you Need. The worst or even Dangerous thing is that you have a Lot of Money but you dont know what you Need because you dont have any Dreams.

[@motorinc]

Hola Anupam! Yes - we must find out what we want. Thanks for that!

[@SrinivasRao7]

I used to drive my dad's splendour up until 2020. I decided to buy my own first bike and was looking at options. I chose yamaha fzs25 over duke 200. Duke costed 25k over fzs 25. I purchased riding gear and drove it without worrying too much. The bike was forgiving when i went through a massive pothole at speed! Now that im comfortable with high speeds i want to upgrade something more nimble like duke. 390 duke feels over kill for my skill level but anything less that 250cc class would bore me. Should i go for duke 250 or speed 400 or rtr 310?

[@npaul1440]

The way you explain is very genuine

[@motorinc]

Thanks Paul!

[@rohandanielisaac8107]

Thanks for the wonderful advice. Cheers Kartikeya

[@motorinc]

Thank you so much Rohan! Happy to know you liked this.

[@Vallabha_Sayar]

4:02 to 4:09 is a core philosophy even from the Gita. Nothing should own you. Well said Kartikeya

[@motorinc]

Really! Thanks for enlightening us! 😁

[@saif_sayyad]

This channel is just perfect! It has every aspect and perspective from an experienced hobbyist and enthusiast.

[@motorinc]

Hill SS! Thrilled to have you with us and kicking off conversations! 🙏🏾

[@shaikadnansaleem]

Motorinc, your unparalleled dedication to producing extraordinary content in the realm of bikes and vehicles is nothing short of awe-inspiring! 🌟 Your meticulous exploration of this fascinating world, coupled with insightful analysis, has elevated your work to a level of excellence that is unmatched. Your ability to delve deep into the intricacies of buying a new bike or vehicle, while maintaining a relatable and engaging tone, showcases your exceptional talent and expertise. What truly sets you apart is your fearless and innovative approach. You fearlessly venture into uncharted territories, pushing the boundaries and challenging conventions within the Indian automobile industry. Your unique perspective and unconventional thinking have redefined the way we perceive bikes and vehicles, leaving an indelible mark on the industry. Your unwavering commitment to constant experimentation and embracing new ideas is the fuel that propels you towards success. Your willingness to step outside the box and embrace the unknown is a testament to your passion and drive. 🚀 The quality of your content is nothing short of exceptional. Your articles, reviews, and analyses are meticulously crafted, providing viewers with an unparalleled level of information and insight. Your dedication to delivering high-quality content is evident in every piece you produce. Motorinc, you are a true trailblazer in the Indian automobile industry. Your work has not only captivated audiences but has also inspired and influenced others in the field. Your contributions have undoubtedly left an indelible impact on the industry, shaping the way we perceive bikes and vehicles. As you continue on this extraordinary journey, know that your brilliance knows no bounds. Your dedication, innovation, and unwavering commitment to excellence will undoubtedly propel you to even greater heights. 👏💯 Keep pushing the boundaries, Motorinc, for the world eagerly awaits your next groundbreaking endeavor. Your work is a testament to the power of passion, creativity, and relentless pursuit of excellence. 🌟✨

[@motorinc]

Thank you very much for the kind words and joining us on the journey @shaikadnansaleem.

[@jeeturajpoot9034]

I'm missing the podcast, but for now I'll be fine with these vidoes too😅

[@surajnagaraju4717]

Same here

[@wikedbeast]

Yeah, same here 😂

[@motorinc]

Hullo! Thanks so much guys! ❤️

[@ayush885]

​@@motorinckartikeya, confused between kushaq 1.0 Ambition manual and hyryder S hybrid. Which one is better to drive?

[@availablehage]

By 20:4:10 unless someone is earning 2 lacs+ per month cant affort a car beyond 10 lacs..never looked at it that way but makes sense..i am somewhere between 1-1.5 LPM..so downscaling now from elevate to maybe s-presso or wagon R

[@YashwanthKumar-nf9un]

You just opened my eyes , I now have a clear idea on what i should look at instead of dreaming more than i could never afford 😌

[@motorinc]

Glad we could help Yashwanth!

[@voltgaming2213]

Dreams should be big and then there’s enough motivation to follow them 😊

[@ST-oh6zw]

Very beautifully put... What is your opinion on getting a used car (around 3 years old max) By that way, we also get to enjoy the car at a cheaper price, but I personally feel that the fear of it getting scratches or dents etc. get a little reduced...

[@motorinc]

Here: kzbin.info/www/bejne/oqiUaaCNp8mSnJo

[@ST-oh6zw]

​@@motorincjust saw this podcast....its was so good.... Thank you so much sir 😃🙌

[@maneetsinghbagga2898]

Very apt, Not many auto-journos touch upon such important issues. Kudos

[@motorinc]

Thank you, Maneet! Glad you liked it.

[@dilsoman]

Agree the overall point . But cannot agree to the math of spending half of the annual income on your dream vehicle.. I don't know if would also think like kartikeya, that 1lakh/month is a usual salary in indian stand point. For a decent useable car, one need to spend minimum 8L on road as of now. How many perople in India earns 16L ( 1.3pm) per annum?? So that equation will not fulfill the condition of "being happy with your car".

[@motorinc]

It’s not a rule. It’s a financially prudent suggestion which will always solve for the money on a long time scale. Obviously you’ll find a better balance for yourself because only you know the plan (financial and otherwise)

[@rishi2504]

Amazing content as always! It feels like team-bhp got a voice 🙂

[@motorinc]

Thank you @rishi2504!

[@curtisjackson3375]

This KZbin channel just love them 😊

[@motorinc]

Thanks Curtis!

[@vikastangudu712]

Very straight to the point, excellent advice. Truly great vedio.. Thank you so much brother ❤

[@motorinc]

So welcome Vikas!

[@NerdYogi]

Thank you so much for this eye opener. I am planning to buy a car or at least my family thinks that I should buy one (it's high time, long overdue, etc.). Going by the logic given in this video, I can (or I should) spend only up to 6.5 Lakhs. Primary requirements are a journey from A2B, safety, high ground clearance and big boot. Reverse parking camera and infotainment system if available would be good. Not a fan of hatchbacks. So given these facts, what's the best option you can suggest? Fuel cost can be ignored. Running is 7-10k KMs in a year

[@pankajzade1802]

what a beautiful financial lesson . i was expecting you to talk more on this topic. love this channel and love you brother.

[@motorinc]

Hullo Pankaj! Thanks so much for writing in. If anything we could help with here - do let us know! Thanks!

[@nimishjoshi5492]

This channel is just GOLD !!

[@motorinc]

Thank you for being with us!

[@anshumanpanda1227]

I like few videos, but this must be liked. Great job guys.

[@anirudh163]

It is for such unique and wholesome content that we've signed up for ♥ . More of such content please !

[@motorinc]

Thanks Anirudh! More coming!

[@iamrajatsinghpatel]

Bro this video is gold! Also this new look of yours is so freaking good!!!

[@motorinc]

Thank you Rajat!

[@daksh_saroha]

What a beautiful take on 'do you own your vehicle or does your vehicle own you'. Kudos to MotorInc for consistently creating crème de la crème of motoring content.

[@motorinc]

Thanks so much Daksh! Your feedback and suggestion matters so much!

[@dip_08]

This is so soothing! Hoping to get my 1st motorcycle this year, with my own earnings.

[@motorinc]

That’s phenomenal! All the best! Do keep us posted! Thanks!

[@dip_08]

@@motorinc I'll let you know!

[@thomsonjoseph1830]

This is a very good video , most useful one i come across in recent days.

[@motorinc]

Glad to hear that @thomsonjoseph1830.

[@karankhetwani3470]

The Vir Das-esque patient speech and golden mistakes-accepted takes! Lovely and informative

[@motorinc]

Thank you Karan!

[@barun9665]

Indeed . Sometimes being 1 step short and spending in gears and proper insurance (0 depreciation) and enjoy more

[@motorinc]

Absolutely! Zero dep is such a pleasure!

[@sundipchakraborty9180]

MotorInc is slowly becoming my top most favourite channel on KZbin.

[@motorinc]

Thank you.

[@sundipchakraborty9180]

@@motorinc Thanks to the MotorInc team for making such great contents.

[@aniishiyer6668]

Can you do one on how to properly service and maintain the bikes/vehicles

[@motorinc]

Thank you for sharing an idea. We will try and make a video on this topic.

[@nikhilbansal87]

Oh man, this video is amazing. Covered many relevant things and i could feel the joy in your eyes when you were describing the extra set of wheels 😂. Keep this up guys

[@motorinc]

Glad you enjoyed it!

[@jatinluthra8658]

You guys are 2 of my all time favorite reviewers. But somehow I am not enjoying the pace of the videos as much as I did when you were with your older channels. I am no pro, but here's some feedback. The good: - You two - Content quality - Length of the videos is just right What could be better: - Pace could be a bit more - Could be more engaging. The video is at the same slow pace throughout. It needs some high points, some x factor for more engagement. - Add vehicles to the videos, even if it's just a conversation video like this one. May be if it was explained with the bikes you mentioned, or any other ones you had, it would have become more relatable. May be.. I am no expert honestly, but just as a viewer, that's a few things I think will engage me more 🙂 Wish you the best.

[@motorinc]

Thanks for the feedback! Glad you love some part of it. But there’s no plan to increase the pace (1.5x works well for some though). There’s no plan to do things the old way either and we’re not after the X factor. We want you to think for yourself and that’s not only going to take time, it’s also not going to sit well with everyone. This is why videos like this one will likely _never_ have vehicles randomly thrown in to offer relief. Which we are okay with. We’d rather have a tiny thinking audience and than a large audience that expects us to think on their behalf. 😊

[@jatinluthra8658]

@@motorinc I get the point. I was watching a few other videos from your channel like Ronin vs Hunter and I still missed the music from those bikes. But I understand, this could be subjective. And the artist should have the freedom to showcase his art the way he wants to. The audience needs to decide whose art they connect with the most. I hope I develop a taste for such videos too, as I really look forward to content from two of my favorite reviewers 🙂 PS: I've been watching it on 2x 🙂

[@motorinc]

Excellent! Glad you found your speed!

[@ChidanandMohapatra1725]

What an amazing perspective from Mr. Karthik.. definitely gonna use it as I plan to expand my garage.. Thanks a Tonn🎉 the wait is gonna be longer.. bt the fruit will definitely be that much more sweeter.

[@motorinc]

Hullo CM! Wish you all the best ! And yes the wait will be worth it. Kartik waited a loooooong time before he bought his Busa. Worth it!

[@tylerbarnes_]

A lot of people need to watch this video.🔥🔥 Sharing it instantly👍🏻

[@motorinc]

Thank you so much! ❤️

[@drsumantamajumdar2771]

Brilliant talk ! Makes sense .. Thank You Kartik ...

[@aBrokenShard]

That's pretty great advice! Good philosophy for life in general too.

[@motorinc]

♥️

[@saanjoesam1815]

Thank you Karthikeya. Understood every points you've said and will keep them in mind👍💯

[@motorinc]

Hey Sam, thanks for listening! And for writing in! Means a lot.

[@wandering-js]

Completely agree with every word you said. However, the bigger bike keeps haunting me in my dreams.😢

[@motorinc]

Save for it! And then use this logic to decide whether you have enough!

[@wandering-js]

@MotorInc Already saved and finances in place but the fight between heart and mind going on. My heart wants me to take a plunge and my mind says what you said... Do I actually need to upgrade? My small adventure bike is giving me all what I need... heart says you live only once...