Welcome to Mycarhelpline Community Blog

Petrol Car or Diesel Car in 2019. Ownership Costs Comparison of Petrol and Diesel Car as Best Choice

Petrol Car or Diesel Car in 2019. Ownership Costs Comparison of Petrol and Diesel Car as Best Choice

Confused in Buying a Petrol Car or Diesel Car in 2019. Compare Upfront Purchase Price, Fuel Cost Savings with Maintenance Costs to know which Fuel Choice should you go for and Why

 

Petrol Car or Diesel Car in 2019

Buying a car is an important decision - not only it reflects taste, style, aura and top of it the convenience - but it also is a big financial decision - thanks to high ownership cost of cars in India.

With a Herd trend of Diesel Cars - Its important to know - whether you should follow the herd or choose in wisely in considering Financial Cost, Future Maintenance and Ownership Factor in making Informed decisioning.

Also - a sense of Ownership applies on all among us. As per Report in 'The Guardian' - Diesel Cars as compared to Petrol Emits 4 times more nitrogen dioxide pollution and 22 times more tiny particles which penetrate the lungs, brain and heart.

 

Which Manufacturers are Known for Petrol and Diesel Car

Every Manufacturer has USP, here are details

» Petrol Engine - Maruti Suzuki, Honda, Hyundai 1.6 VTVT Petrol

» Diesel Engine - Hyundai, Toyota, Ford, Mahindra, Volkswagen, Skoda, Renault, Nissan, Tata Motors

The Difference in Performance and Peppy Feel of Hyundai I20 Petrol and Diesel, Ford Freestyle Petrol and Diesel is so much that even for some one whose running is still 1000 Kms a month, can find a huge performance difference giving together an altogether different experience

 

Why Diesel Cars Ownership Cost Higher

1. Up Front Price Difference Cost

» Typical On Road Price Difference in between a Petrol Car and Diesel Car is around Rs 1 Lakh to 1.25 Lakh which may extend higher even in case of some cars where road tax slab changes

2. Financing Cost

» If you buy Car on Finance - then there would be additional Interest cost for Buying Car in form of higher EMI or even if you buy car on cash - you would be forgiving the Interest which could have earned in form of Fixed Deposit at Bank

Finance : Interest on Rs 1.25 Lakh for 5 years at 10% Interest Rate (if Loan taken) - Rs 34000 (Car Loan Interest is on Reducing Balance)

Own Funds : Fixed Deposit Interest on Rs 1.25 Lakh for 5 years at 7.5% Interest Rate - Rs 51000 (as Cumulative Interest)

3. Service Maintenance Cost

» Additional is Service Maintenance Cost Difference where due to higher cost of Clutch Plate, Battery, additional cost of EGR Valve Cleaning, Oil and Fluid replacement Interval, Oil Filter cost. Some cars have bigger Diesel Engine requires more Oil

» Even there are Parts like Catalytic Converter, Water Pump, AC Coils which though rarely fails - but if they do will cost higher in Diesel Cars vis a vis Petrol Cars.

On an average - its seen that Diesel Cars Maintenance cost is higher to extent of 25 paise per Km vis a vis Petrol Cars

On a 7 Year Horizon - if your cumulative running would be 1 Lakh Kms (i.e. 15K Kms a Year) - expect additional service costs including Wear & Tear Items of almost Rs 25K in choosing a Diesel Cars 

 

4. Insurance Premium

Diesel Cars has higher Insurance Premium in later years with marginally higher risk cover as against Petrol Cars. Even - the internal loading discount in later years would be nullified in Diesel Cars as against Petrol Cars

On an average the Cumulative Insurance Premium Difference on Swift Vxi and Vdi on a time horizon from 2nd Year till end of 7 years would be Rs 20000 (provided 2 claims taken at end of 3rd Year and 6th Year)

 

5. Environmental Concern 

Considering Rising Pollution and Government and Supreme Court stand against Diesel Cars - who knows there would be a annual tax based on Fuel Type for Diesel Cars causing Pollution Cess. Still - for calculation we will take it as Zero

Refer this report on - Green Cess on Diesel Cars

 

6. Ban on Plying Old Diesel Car

Also a ban is imposed in Delhi, NCR for Plying 10 year Old Diesel Car which may extend to other cities even in near future. For Buyers who want a long term ownership of car will certainly be impacted if this extend to Nation Wide Ban

 

7. Slight Heavier Clutch

Diesel Cars generally have slight stiffer clutch as against Petrol Cars. So if you seek absolute light clutch then the counterpart Petrol Engine provides light clutch.


 

Net Additional Outflow by Opting in for Diesel Cars Vs Petrol Cars in 2019

Heads Price
Upfront Price Difference Rs 1 Lakh to 1.25 Lakh
Finance Cost Rs 34K
Maintenance Cost Rs 25K to 30K
Insurance Premium Rs 20K to 25K
Pollution Cess NIL **
Net Additional Outflow due to Diesel Car Rs 1.8 Lakh to 2 Lakh approx

 

Savings with Diesel Cars

Fuel Savings with Diesel Cars

In Financial Terms - Diesel Cars gives 2 Benefits i.e Has Better Mileage vis a vis Petrol Cars & Cost of Diesel is relative lesser as against Petrol Cars

City Drive Conditions Swift Petrol Swift Diesel
Mileage Difference 14 Kmpl 18 Kmpl
Fuel Price in Feb 2019 Rs 70.28 / Litre Rs 65.56 / Litre
Average Cost Rs 5.02 / Km Rs 3.62 / Km

On an average - its Rs 1.4 per Km which is saved by choosing in Diesel Car vis a vis Petrol Car

So - considering, upfront cost you will technically Break Even at 1.5 Lakh Kms - then only only would be recovering in on the Diesel Car vis a vis Petrol one.

Important to note that Fuel Price Gap Difference in between Petrol Car and Diesel Car have narrowed in recent times and is now just Rs 5 per Litre or even less than it in most of the cities.


 

Petrol Car or Diesel Car - Which Car should buy in 2019

Unless your Annual Running is

» Financial Viability: Bare minimum 2000 Kms a month or 25000 Kms / year 

or

» Enthusiast: Enthusiast who want to experience the fun of drive with Higher Torque and Power Delivery or considering SUV Cars where performance factor matters a lot and Diesel Engine makes it good to go as against Petrol Engine Performance which feels more like Average to Linear.

then only should consider Opting a Diesel Car - as own Interest of Financially viable or Fun to drive, else avoid and Choose in Petrol Car or CNG Car. Remember

» You are not going to recover in Upfront Cost even by end of 7th Year - its Financially Unviable to Opt for Diesel Cars (For People with 1500 Km / month running or lesser)

» You will hear more Noise and Vibration from Diesel Cars Engine vis a vis Petrol Cars

» You are Promoting a Fuel which emits 4 times more No2 Pollution and 22 times more tiny particles which penetrate the lungs, brain and heart - causing Environmental Degradation

Share with your Friends, Family - Contribute to help People to know to make Informed Decision in Buying Car by knowing Financial Implications and Environmental Issue !!

Heavy Build Cars and Light Weight Cars Safety, Str...
Trace Caller Name, Privacy Details, Location and A...

Important: If you seek advise or recommendation, pls raise query in Car Forum instead of posting in comments

 

Comments 18

Guest - deepu on Tuesday, 15 January 2019 14:43

Hi gagan,

what if petrol and diesel car cost the same .. creta E+ petrol or diesel ?

Hi gagan, what if petrol and diesel car cost the same .. creta E+ petrol or diesel ?
Guest - Random Walker on Tuesday, 12 February 2019 19:52

What if one has to chose between aspire diesel and dzire petrol ?

What if one has to chose between aspire diesel and dzire petrol ?
Guest - Hemant Pande on Sunday, 18 November 2018 11:14

Dear Gagan,
Great comparison. However we now need to take two more factors into consideration. 1. 10 year limit for diesel 2. The narrowing gap of the two fuels.
With all this I would request your comment on the purchase of a new car. It will be important to note that my average running is approx 45000 km/ year. It is this running which has confused me.
I prefer to drive and have been doing 1000 km in a day very often. The need to use a car is due to uncertain programs and the reservation issues at short notice.
Thanks
Hemant

Dear Gagan, Great comparison. However we now need to take two more factors into consideration. 1. 10 year limit for diesel 2. The narrowing gap of the two fuels. With all this I would request your comment on the purchase of a new car. It will be important to note that my average running is approx 45000 km/ year. It is this running which has confused me. I prefer to drive and have been doing 1000 km in a day very often. The need to use a car is due to uncertain programs and the reservation issues at short notice. Thanks Hemant
Guest - Venkar on Saturday, 14 July 2018 23:20

Honda amaze petrol cvt vs diesel cvt ......my monthly running is 1400 kmwhich is better

Honda amaze petrol cvt vs diesel cvt ......my monthly running is 1400 kmwhich is better
Guest - Jag on Tuesday, 12 February 2019 07:38

Petrol vehicle best suites for you

Petrol vehicle best suites for you
Guest - Venkat on Saturday, 14 July 2018 23:17

Very good analysis

Very good analysis
Guest - Deepak on Monday, 04 June 2018 17:26

OMG!!!!! Crazy this guy.. Hats of to you Sir. The way you have made this comparison beats all the other comparison records. Amazing !!! . each and every detail is accounted for and taken into consideration. Thank you.

OMG!!!!! Crazy this guy.. Hats of to you Sir. The way you have made this comparison beats all the other comparison records. Amazing !!! . each and every detail is accounted for and taken into consideration. Thank you.
Guest - Adesh Kumar on Tuesday, 16 January 2018 17:28

Hello friends,
After read this difference between opt petrol or diesel engine car. I am satisfied with my dicession to purchased a patrol variant. Therefore, it's my pleasure advice to all of you before purchase a car you all should have to read this difference carefully.
OK jai hind

Hello friends, After read this difference between opt petrol or diesel engine car. I am satisfied with my dicession to purchased a patrol variant. Therefore, it's my pleasure advice to all of you before purchase a car you all should have to read this difference carefully. OK jai hind
Guest - Anish Mathew on Thursday, 28 December 2017 10:07

I plan to buy a used car. Currently I am having a diesel Ritz. Planning a second premium car. I am checking different cars like Toyota Corolla Altis. My budget is around 7 to 8lakhs. Kindly Advise me on suitable cars for me. My monthly usage will be a maximum of 500Kms. So Petrol will good as per this post. Kindly Advise more on this.

I plan to buy a used car. Currently I am having a diesel Ritz. Planning a second premium car. I am checking different cars like Toyota Corolla Altis. My budget is around 7 to 8lakhs. Kindly Advise me on suitable cars for me. My monthly usage will be a maximum of 500Kms. So Petrol will good as per this post. Kindly Advise more on this.
Guest - Bala on Saturday, 06 January 2018 16:13

If ur monthly usage is less than 1500 kms, definitely u can opt for petrol. And moreover ur budget is 7 to 8 lakh, so u can really opt for new variant.

If ur monthly usage is less than 1500 kms, definitely u can opt for petrol. And moreover ur budget is 7 to 8 lakh, so u can really opt for new variant.
Guest - Sudhakar babu on Friday, 10 November 2017 21:35

Which sub is best car under 12 lakhs on road price. New scross or new ecosport titanium petrol
or creata e plus petrol.

Which sub is best car under 12 lakhs on road price. New scross or new ecosport titanium petrol or creata e plus petrol.
Guest - vikramraj on Sunday, 29 October 2017 15:15

I am new to car drive, this is my first car planning to buy.
usage: not regular use, but will be taken out on occasions. monthly around 1000 km drive is expected.
Cost: I can afford approximately 7 Lakhs or max 9 lakhs. Note: I am opting loan for this.

Looking for family car with min maintenance, please suggest the car in India.

I am new to car drive, this is my first car planning to buy. usage: not regular use, but will be taken out on occasions. monthly around 1000 km drive is expected. Cost: I can afford approximately 7 Lakhs or max 9 lakhs. Note: I am opting loan for this. Looking for family car with min maintenance, please suggest the car in India.
Guest - Ravichandran on Saturday, 28 October 2017 11:19

We useful article , Well done MR Gagan.

We useful article , Well done MR Gagan.
Guest - Vijay balo on Saturday, 30 September 2017 07:38

Thanks for the information,it really helped me to think over again about I should go petrol or diesel engine.
I needed to ask one more question regarding diesel engine,I came to know that in diesel engines it's necessary to replace the fuel injection pumps for 5 year's once even though it's not been used high usage is it correct ???

Thanks for the information,it really helped me to think over again about I should go petrol or diesel engine. I needed to ask one more question regarding diesel engine,I came to know that in diesel engines it's necessary to replace the fuel injection pumps for 5 year's once even though it's not been used high usage is it correct ???
Guest - vikrant singh on Friday, 28 July 2017 19:32

Should I buy Tata Nano for just single person for occasional long trips with frequent brakes in the journey

Should I buy Tata Nano for just single person for occasional long trips with frequent brakes in the journey
Guest - sds on Tuesday, 12 September 2017 18:30

Go Ahead,
Nano is good option.

Go Ahead, Nano is good option.
Guest - Shalini on Monday, 03 July 2017 15:15

Hi Gagan,

Kindly let me know which is more compatible with automatic transmission, Diesel or Petrol.

I'm planning to buy a new MUV car but confuse in diesel/petrol with AT.

Also please share the review of New Maruti Suzuki Ertiga as per my requirement.

Thank You,
Shalini

Hi Gagan, Kindly let me know which is more compatible with automatic transmission, Diesel or Petrol. I'm planning to buy a new MUV car but confuse in diesel/petrol with AT. Also please share the review of New Maruti Suzuki Ertiga as per my requirement. Thank You, Shalini
Guest - raghu Machanie on Thursday, 06 July 2017 18:22

I would say no to Ertiga Petrol .. Under powered with 7 people onboard..

I would say no to Ertiga Petrol .. Under powered with 7 people onboard..
Guest
Wednesday, 20 February 2019

Captcha Image