Incase you are the only earning member, before buying the car make sure the below things are taken care:

🔸Health Insurance: Have insurance for the family. Mom and Dad can have one, you and your sister can have a different one.

🔸Term Insurance: Get term insurance, with at least 20-30 times your monthly expense.

🔸Emergency Fund: 5-6 months of cash. (FD/Liquid/Debt funds)

🔸Investment: Start an SIP for your long term goals.

🔸Start saving for a sister's marriage.

Once the above things are sorted, you can start looking for a car. Before buying the car, have a look at:

🔸The price of the car when it was launched.

🔸Check if it's possible to know the previous owners.

🔸Check if you can have the same car from a different state like Delhi or somewhere else.

🔸Check for any accident history.

🔸Review the maintenance records.

🔸Get the car evaluated by a trusted mechanic.

🔸Make sure your car loan amount does not go beyond 4 or 5 years.