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  1. Anup Anand Jha
  2. New Cars, Reviews
  3. Sunday, August 21 2022
Hello,

I have watched a lot of content online. Thank you for providing this to help everyone.

I am planning to buy a premium hatchback by Jan 23 which will be my first car. Budget is Maximum 10 Lacs (won't mind adding 20-30k for excellent value). My shortlists are as below for automatic transmission. Please suggest.
Altroz
Jazz
i20

Usage will be 70% highways and 30% city. Please suggest. I live in Pune currently and I am inclined towards Altroz DCA. Please help to choose best between Altroz DCA, Jazz CVT and i20 iVT (not in my priority). Let me know for any more inputs required from my side. Also let me know if I should consider any other options.

Thank you in advance.

Anup Jha
Admin Accepted Answer
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Dear Anup ji,

Hi. Greetings !!

You have decent usage on highways. Here are some pointers

1. Honda Jazz will soon be discontinued, exact time line as Festive Season of 2022 for last batches as per report in Economic Times
https://www.mycarhelpline.com/images/easyblog_articles/1244/b2ap3_medium_Jazz-discontinue.jpg

This car wont be available in 2023

2. Hyundai I20 IVT although ideal for city use, but the fact that majority of use as 60% on highway - you wont be impressed by this car too

3. Tata Altroz DCA - well Altroz USP is
> High Speed Handling
> Very Impressive Steering feedback
> 5 Star Build Quality
> Yes Car Feels stylish too and has acceptable cabin space

Although Engine feels noisier as of now, but fact remains that Tata do silent updates on regular basis to contain same but with respect to performance let me disclaim - 1.2 DCA Performance feels mediocre. Although pick up is linear, but feels mid range is relative flat and takes away excitement of car

Also as you still have time for 4 months - i will say that wait for further user reviews as technology where this dual clutch Automatic uses planetary gearbox - its one of its kind as never ever used in Dual Clutch Automatic transmission before.
Also, Unlike other DCT or DSG Cars Tata Altroz uses single shaft

So by default its Tata Altroz DCA - but suggest to recheck with us in 2023 as we will have many owners reviews on this car by that time and can share in if it actually fits in need from reliability perspective too.

Hope should help !!


  1. more than a month ago
  2. New Cars, Reviews
  3. # 1
Anup Jha Accepted Answer
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Hello Admin.

Thank you for the response. One of my friend suggested that Car price is going to increase so better not to wait so long as interest rate also may go up. On contrary I am not in any hurry and willing to buy 2023 make car even if I have to wait till end of Jan-23 to Feb-23.
  1. more than a month ago
  2. New Cars, Reviews
  3. # 2
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Hi,

Car Prices
Although Car Price hike is a phenomenon which will never change but if you are concerned for too much price hike then do note that commodity prices fallen to substantial extent in recent months with
> Steel
> Aluminium
> Copper

so much so that 30% to 50% reduction in prices of these commodities happened off late.

Adding on the way car prices increased in 2021 and 2022 so far with almost every manufactured revised prices close to 8 to 10 times in 20 months and cars turned expensive to tune of 10% to 15% - now we dont anticipate the trend to continue

At max 1.5% to 2% hike from existing prices in hatchback segment expected by 2023 feb-march

Interest Rates
This is a cycle where Intrerest rates have strong corelation with inflation

It was in around April 2022 when inflationary concerns were not only impacting India but across the world
So as to correct same - RBI increased repo rate thrice so as to curb inflationary concern and to a great extent is successful too as inflation concerns are well under control

Also the way commodity prices reduced in recent months will also mark a control on inflation
Yes a review meeting coming in September and December and to mark an end - at max 1 more rate hike predicted. But we are now anticipating 2023 a year which will be on reduction in rates so as to boost the economy

So if you going to take loan in 2023 - opt for Floating rate which will be linked to benchmark one and once rate reduction happens - will benefit you

Hope should help !!
  1. more than a month ago
  2. New Cars, Reviews
  3. # 3
Anup Jha Accepted Answer
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I took test ride of Honda Jazz CVT today and absolutely fell in love with it. I am yet to ride Altroz DCA.
As per Honda sales person, there will be facelift version of Jazz coming soon. Keeping my fingers crossed :)
  1. more than a month ago
  2. New Cars, Reviews
  3. # 4
Anup Anand Jha Accepted Answer
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Continuing to the above confusion, I took test ride of Altroz DCA and new Baleno AMT. Despite being AMT, ride quality of Baleno was better for me. I wish Baleno had CVT, I definitely would have enjoyed it more. Now ride quality wise for me is like:
1) Jazz
2) Baleno
3) Altroz

Excluding i20 as mostly I will be doing Highway ride and of course safety ratings.

Your expert comments please.


Admin Accepted Answer
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Dear Anup ji,

As specified earlier too

1. Jazz - would be discontinued

2. Altroz - shared opinion with apprehension on DCA too

3. Baleno AMT - Although loosely called as Automatic but AMT is Automated Manual Transmission
Been initial consideration of cars as put in criteria zone were:- Jazz, I20 and Altroz which are available with CVT or DCA - hence not referred Baleno been fact remains AMT at times can feel jerky and lacks the refinement as in conventional Automatic

But yes Maruti did considerable enhancement in Baleno and
a) With retuned suspension
b) With Engine Peformance which feels more fun
c) With Host of Improved Safety Element and Improved Fetaures
d) Great Mileage, Engine NVH, Refinement, 4 Cylinder Engine

Baleno AMT is definite an exciting choice sans the kind of linear smoother response as there in conventional Auto
With Wider Tyres R16 - 195/55 in Zeta and Alpha - grip levels are better too
High speed Steering feedback - yes to disclaim is not to levels as whats in Altroz and despite retuned suspension - Altroz high speed handling is better. But Altroz weakling on same hand is Engine Performance - where at mid range (70+) feels mediocre at present.

Hope should help !!
Anup Jha Accepted Answer
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Hello Modi Ji and Team,

I took the test drive of Altroz DCA once again just to double check if I can consider it in view of high safety ratings. But again the ride was not satisfactory. As of now not considering Baleno because some close relatives has view that it's not safe.

With my inclination towards Jazz, kindly clarify my buying decision with following pointers:

1. I plan to keep the car for very long time (at least 10-15 years)
2. From service perspective, there are some issues with Tata but Honda is excellent (this is also one of the reason along with riding experience for not considering Altroz). However 6-7 years down the line, could the situation be opposite as Honda Cars might leave India and Tata might improve.
3. I plan to book by mid October and get delivery in mid January. This to my view will psychologically keep me satisfied that I have 2023 model Car. In contrary should I not wait and book in another 15-20 days if I go for Jazz considering the fact that I will be using it for very long time and it might get discontinued soon.
4.Any other views like waiting for Skoda Fabia which will be launched in India soon as per news reports and even Honda coming to India with new launches.
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Hi,

1. Well on long term basis of next 7 years or so - anything can happen
With a possibility that Tata may switch 100% to EV only cars too, or Honda may leave India too if they continue incurring losses
No one can actually predict the scenario. But in line of existing facts -

a) Honda Cars India sold close to 18 Lakh Cars in India of which close to 6 Lakh cars sold in last 5 years
b) Only operational now at single plant in Rajasthan with operational cost reduced after closure of Greater Noida Plant
c) Aspiration to bring in SUV Car as replacement of Jazz and WRV in near future
d) Global Positioning of Honda with high thrust of EV Cars in near future

It seems a low probability that Honda Cars will be out of India. Unlike Chevy, Ford - Honda known for
a) Very refined IVtec Petrol Engines
b) Top Notch Spacious Cabin, Build, Features
c) Score very high on reliability and after sales service experience

and pretty low probability that sales will come to stagnancy as Amaze, City has ready set of buyers at at all times

2. Basis News as furnished in ET
https://www.mycarhelpline.com/images/easyblog_articles/1244/b2ap3_medium_Jazz-discontinue.jpg

Jazz Prouction will be halted by October end. That means Honda showroom will try and clear stock by December
I dont think is a good idea to wait for 2023 - if indeed the production ends in October 2022 and by a rare chance if inventory remains unsold even in Jan 2023 - will still get 2022 Manufactured car.

Do note that car resale wont have any impact on buying 2022 Manufactured car in 2023

3. All rumor on Skoda Fabia launch. To last conversation we had with Skoda India Director - they had plans to introduce Cross, SUV and Sedan - no mention of hatch was there. Also in future Skoda will come out with Electric Version of the range.

Hope should help !!
Anup Jha Accepted Answer
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Thanks for the quick response.

Now that I have almost finalized Jazz, I have a question on taking top variant which has sunroof.
As I plan to keep the car for very long time, would sunroof give any problem in long run. Should I avoid top variant as Vx and Zx do not have any major difference.
Gagan Modi Accepted Answer
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Anup Sahab,

Hi - No Problem as such in going cars with Factory Fit Sunroof

Only thing needed is
> cleaning of channels and
> lubrication annually to ensure smooth operation
> Clearn sunroof glass using natural glass cleaner (no vinegar or ammonia based cleaner)

Rest Jazz Vx CVT is more value if you dont need sunroof - also in some states road tax on Vx CVT will be lower as exshowroom under 10 Lakh
Hope should help !!
Anup Anand Jha Accepted Answer
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Thank you Modi Ji for your response and clarifying doubt regarding sunroof :D

You also cleared my doubt regarding road extra road tax on Zx model in advance.

Now my next query is regarding opting BH series. Before this I just want to clarify that this car will be in my brother's name who is Officer in Indian Navy and will be purchased through CSD (my brother already has purchased MG Hector from outside as this was available through CSD).

I have checked on mycarhelpline website that in Maharashtra (in live in Pune) there is approx 25k difference in RTO charges and some difference in BH series registration as well. As understood from one of your YouTube video and other sources that RTO charges (both in BH and MH) are same for CSD purchase as applicable to outside CSD. Kindly clarify this point as well to help me decide better.

Thanks in Advance :)
Anup Jha Accepted Answer
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Hello Modi Ji,

Thank you for your response :D
Also you clarified in advance regarding my doubt on registration charges difference on Vx and Zx model :)

Now coming to finalizing between Vx and Zx model I have few query. But before that let me put a point that the Car will be brought through CSD in my brothers name who is officer in Indian Navy.

As understood from your YouTube video and other sources on internet that registration charges are same for both defense and civilian. Can you through light on this (I plan to get BH series registration and I reside in Pune.)
Admin Accepted Answer
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Hi,

Yes, registration charges are simiar in both CSD and Civil case

You can check on BH Series Tax using this calculator.
Anup Jha Accepted Answer
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An Idea that just clicked regarding Car Loan:

As per my rough estimate/calculation for car loan of 7 Lacs, EMI of 14K per month has to be paid assuming loan tenure to be of 5 years.
Will it be wise decision to withdraw 7 Lacs from PF (approx interest rate earned is 8.1% against 8.5% to be paid on car loan) and increase my contribution by 14-15K towards PF.
Will I be in loss or profit with this decision. Kindly share your views

Regards
Anup Jha
Gagan Modi Accepted Answer
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Anup Sahab,

Not recommended to withdraw investment choice like PPF which offer
> Tax Deduction u/s 80C
> Build Corpus which also is tax free - no tax charged on Interest per se

PPF is one of the best investments and in no way should forego for a loan

a) So if you pay in EMI of Rs 14000 for 5 years
b) Keep deposit intact of PF even by making minimum contribution

You will earn more interest in PPF as its calculated on cumulative balance, while Car Loan is on reducing balance method

Hope should help !!
Anup Anand Jha Accepted Answer
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Thank you Modi Ji for your expert advice. Really helpful :)
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