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India
Corporate lease: tax-efficient (perquisite valuation)। Personal lease: ₹15,000-40,000/month (growing in India)। Keep 7+ years: buying ALWAYS cheaper। Company car: 30-40% tax saving vs personal purchase — best perk!。
Decision
Corporate: lease (tax benefits)। Personal 7+ years: buy। Change every 3 years: lease may work。
⚡ CalcWolf Insight
The most profitable moment in car ownership is month 37 of a paid-off car. From that point, every month you drive it saves $400-800 that would otherwise be a payment. Most people trade in far too early.
Frequently asked questions
Lease or buy?▾
Personal 7+ years: buy. Company: lease (30-40% tax saving)。
Growing in India?▾
Yes — Zoomcar Zap, ALD Automotive, ORIX. Mainly corporate/fleet。
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