[DriverR]

I am in the process of buying a new car. The car in question is the Santro GLS, the current top-end model.

OTR Price is 3.9

No discounts but dealer is giving the following:
Insurance free
Mud flaps
Matting
MP3 player (JVC Don'w know which model)
4 speakers
Remote locking
Teflon coating

Financing is through SBI at 11.75%. EMIs coming to 7347 for 5 years

Is this a good deal?

The reason for Santro is as follows:
Good peer review on maintenance, millage and resale.

Why not the other cars?
1. Financial constraint. Max 4 lakhs OTR.
2. Monthly millage will be low as I'll be using the car only for about 2 day in a week, as I will be using my bike for daily commuting.
3. Had an Indica previously, therefore would prefer something different.
4. Not Spark as pricing had been too volatile. Plus for the same cost I'm getting a bigger and proven car.
5. Zen Estillo and Wagon R are the only alternative, but I prefer Santro to them.
6. i10 goes out of my budget. Plus even if I were to stretch the budget, I would not get the free accessories. Besides, I prefer the looks of the Santro to an i10 (Personal view)

Usage will be primarily city, but have dreams of driving around South India for a tour.