Ownership Intelligence Simulator
Model true cost of ownership
before the showroom decides for you.
Institutional-grade simulation across depreciation curves, fuel burden, financing structure and resale optimisation — recalibrated in real time.
5y
1y4y8y
1,500 km
3002,0004,000
Petrol ICE
Net Cost
₹21.44L
5y horizon
Monthly EMI
₹27.5k
80% LTV · 9.2%
Residual Value
₹8.02L
End of horizon
Cost / km
₹23.8
True operating
Cumulative Ownership Cost
Down payment + EMI + fuel + maintenance + insurance
Depreciation Curve
Residual market value over ownership horizon
Fuel / Energy Cost Trend
Per-km fuel cost @ ₹7.2/km
Maintenance & Insurance Burden
Annualised wear-cost projection
Fuel Burden
₹6.48L67.2% of variable cost
Maintenance Burden
₹1.80L18.6% of variable cost
Insurance Burden
₹1.36L14.1% of variable cost
Resale Optimisation Timing
Optimal · Month 24AI-Generated Insights
● LiveSwitching to EV could reduce 5-year ownership cost by ₹2.35L.
Current financing structure (80% LTV @ 9.2% p.a.) adds 15% interest weight to ownership cost.
Optimal resale window detected at month 24 — cost-per-month minima reached at ₹89.3k/mo.
Fuel burden over 5y projected at ₹6.48L — 30.2% of net ownership cost.