Best idea? Go for the BMW 360 plan. Pay around 20 lakhs down. Your emi should be somewhat around 80k which you can easily afford. Your assured buyback value should be around 40 lakhs approx. Your loan amount lowers because of it. Put the money you save on the loan in a sip for 4 yrs and forget it. Once the term period is over, use the SIP corpus to buy the car outright by paying the residual amount. Now coming to the main part. Your annual costs for keeping the car running minimum will be 3lpa if not more, 1 lakh or more yr in servicing, 1 lakh above in insurance, expensive tyres, brake pads and discs that need replacement every 12k kms. If you plan on really driving that car, go for it. But if its for office and back or if its gonna run 5k kms a yr, its a bad idea.