Car leasing
Assumptions
Like-for-like end-of-term ownership: lease payments less entered payroll tax savings plus buyback, less resale; loan down payment plus all EMIs less the same resale. Lease payment and buyback must include applicable GST/cess. Tax saving defaults to zero and must come from an employer-specific quote; no automatic deduction eligibility. Fixed loan rate/term, no running costs, fees, opportunity return or early termination.
Estimates are not personalised financial advice. Review assumptions before use.
Net lease-and-buyback cost
Based on your inputs. Not guaranteed. Exact amount: ₹13,80,000.
Lease vs loan
Both routes finish with the same asset treatment. Tax saving must come from a confirmed payroll quote.Both routes finish with the same asset treatment. Tax saving must come from a confirmed payroll quote.
View detailed breakdown
Are the alternatives comparable?
Review lease payments, buyback, financing and the entered tax benefit together. Use only a tax saving confirmed for your arrangement.
Detailed results
| Result | Value |
|---|---|
| Net lease-and-buyback cost | ₹13.8 lakh |
| Net loan-purchase cost | ₹11.33 lakh |
| Loan EMI | ₹29,862 |
| Lease payments before tax savings | ₹16.8 lakh |
| Entered payroll tax savings | ₹0 |
| Loan cost less lease cost | −₹2.47 lakh |
Both routes end with the same car value deducted. A positive difference means leasing costs less under these inputs, not a product recommendation.