The ₹12 Lakh Mistake? Owning vs. Leasing an EV in 2026 скачать в хорошем качестве

The ₹12 Lakh Mistake? Owning vs. Leasing an EV in 2026

Is a "paid-off" car really the cheapest option? I crunched the numbers, and the result shocked me. ​In today’s video on Prashant's Perspective, I analyze a real-world financial dilemma: Should I keep my 3-year-old Mahindra XUV700 Diesel AWD, or sell it to lease a brand-new EV like the Tata Harrier EV or Mahindra XEV 9S? ​Most people think keeping an old car saves money. But for high-income earners, the combination of EV Leasing, Tax Savings, and Investment Opportunity Cost tells a completely different story—a story worth ₹9 Lakhs! ​👇 What we cover in this video: ​The "Sunk Cost" Trap: The real cost of keeping a diesel SUV for 5 more years. ​The Lease Loophole: How corporate leasing & tax savings subsidize your luxury car. ​The Investment Magic: What happens when you invest your car's resale value instead of locking it in a garage. ​The Verdict: Comparing the Tata Harrier EV vs. Mahindra XEV 9S for my specific usage. ​If you are confused between Buying vs. Leasing or Diesel vs. Electric, this deep dive is for you. Timestamps: 0:00 - The Dilemma: My XUV700 Situation 1:25 - Scenario A: Keeping the Diesel (The Hidden Costs) 3:40 - Scenario B: The "Switch & Invest" Strategy 5:15 - The Power of 30% Tax Bracket Leasing 7:30 - Tata Harrier EV vs. XEV 9S: Which one fits? 9:45 - The Final Verdict: How I gain ₹9 Lakhs 10:30 - Conclusion Hashtags: #PrashantPerspective #EVLeasing #MahindraXUV700 #TataHarrierEV #XEV9S #PersonalFinance #CarOwnership #ElectricVehicles #Mahindra #TataMotors ----------------------------------------------------------------------- ⚠️ DISCLAIMER 1. FINANCIAL DISCLAIMER (Not Professional Advice) The calculations, financial breakdowns, and leasing strategies presented in this video (Prashant's Perspective) are for educational and entertainment purposes only. I am not a SEBI-registered financial advisor, tax consultant, or chartered accountant. The "Net Wealth" and "Tax Saving" figures are estimates based on the 30% tax bracket (plus applicable surcharge) and current market rates for car leases in Pune as of late 2025. Lease rentals, resale values, and government tax rules (Section 80C, GST, EV subsidies) are subject to change. Please consult a qualified financial advisor or tax professional before making any investment or car leasing decisions. Your financial situation may differ. 2. CONTENT DISCLAIMER (Opinion Based) The views expressed in this video regarding the Mahindra XUV700, XEV 9S, and Tata Harrier EV are my personal opinions based on my ownership experience and market research. This video is NOT sponsored by Mahindra & Mahindra, Tata Motors, or any leasing company (unless explicitly stated). 3. COPYRIGHT & FAIR USE This video may contain copyrighted material (such as official car launch footage or website screenshots) the use of which has not always been specifically authorized by the copyright owner. We are making such material available for the purposes of criticism, comment, news reporting, and educational research. We believe this constitutes a "fair use" of any such copyrighted material as provided for in Section 107 of the US Copyright Law and Indian Copyright Act, 1957. 4. ACCURACY OF DATA While every effort has been made to ensure the accuracy of the numbers (On-road prices, interest rates, ROI), market fluctuations can occur. The "Investment Returns" (e.g., 12% on Mutual Funds) are historical averages and not guaranteed future performance. -----------------------------------------------------------------------