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Zero Dep & Insurance
Depot 0 + Accessories 3,348 = 3,348
EMIs or Equated Monthly Installments refer to the monthly payments you make to the lender to repay your loan. These payments include the principal amount as well as the interest i.e. EMI = Principal Amount + Interest on Principal amount. Mathematically, EMI can be calculated using the following formula:
{P x R x (1+R)^N / [(1+R)^N-1]}
where, P = Principal amount of the loan, R = Rate of interest and N = Number of monthly installments.
To process your loan application with the chosen lender, you would be required to submit your KYC documents, which include your identity proof and current address proof, a copy of your PAN Card, your bank statement and your income proofs (Form 16/Salary Slips/ITR). You can get the exact requirement from your loan consultant after applying with us here.
The lenders generally finance 90% of the On-Road Price of the car. Some customers may be eligible for 100% funding too. This means the minimum possible down payment that you have to pay includes the RTO and insurance charges. Down payment is the difference between the On-Road Price of the car and the amount funded by the lender. For example:- Rohit from New Delhi is planning to purchase Honda Amaze, which has an ex-showroom price of ? 7,05,000 in New Delhi. RTO charges for this car in New Delhi will be ? 68,018 and Insurance charges will be ? 29,880. A leading financier approved his new car loan for 90% of the On-Road Price of the car. Therefore, he will have to pay the 10% of On-Road Price (10% of ? 802898 = ? 80289.8) as a down payment to purchase the car.
Most lenders offer car loans for tenures ranging from 1 year to 5 years. You can choose the loan tenure as per your preference. Some lenders like HDFC Bank, Axis Bank, ICICI Bank also offer car loans with tenure up to 7 years.
Generally, new car loan customers choose a 5-year tenure. For a longer tenure, EMIs will be lower but the borrower will end up paying more interest against the loan amount and for a shorter tenure, EMIs will be higher and the customer will end up paying lower interest against the loan amount. So, if the customer is getting a loan for 7 years and doesn’t want to commit to a higher EMI then he should choose a loan tenure for 7 years.
When you are paying off a part of the car loan by making larger payments than the EMI, before the end of the tenure, then it is called part prepayment. By part prepayment, your principal outstanding will be reduced and also reduce your future EMIs. Usually, banks accept part prepayment of upto 25% of the principal outstanding amount in a year, charges against the part prepayment depends upon the due month of the EMI.
For example: HDFC charges 5% on the part payment amount in case part prepayment is within 13-24 months from 1st EMI and 3% on the part payment amount in case part prepayment is post 24 months from 1st EMI.
After the car loan is approved, a customer will have to sign an agreement including a NACH (National Automated Clearing House) form, a centralised system implemented by National Payments Corporation of India (NPCI), launched with an aim to consolidate multiple ECS (Electronic Clearing Service) systems running across the country allowing paperless debit transactions between banks.
Getting into such an agreement would mean that the customer has granted permission for auto-debiting of the EMI amount from his bank account on a date as mentioned in the agreement till the last EMI of the loan amount.
Variations:
Kushaq is available in five different colours namely Tornado Red, Honey Orange, Candy White, Carbon Steel and Reflex Silver. They also have variations in engine options across three variants which are as follows: Active, Ambition and Style.
European Engine & its performance:
There is addition of the usual 1.0 litre, three-cylinder TSI petrol engine producing 113bhp and 178 Nm of torque as well as European based engine of 1.5 litre four cylinder, TSI petrol engine producing 148bhp and 250 Nm of torque. The benefit of this is a six-speed automatic unit and a seven-speed DSG automatic unit as an option along with the usual six-speed manual unit. If not just this, Kushaq has a new technology termed as ‘Active Cylinder Technology (ACT)' which automatically deactivates the two cylinders under less loading thus saving the fuel usage. It is a car model based on the DSG armed version. Driving Kushaq is smooth and creamy like flowing through the roads with a levitating tachometer under 2,000 rpm mark. Shifting gears in this model is easy as well as drama-free highway rides. Even though Kushaq doesn’t have disc brakes, it has strong brakes which can be used with ease. It also offers paddle shifters along with the DSG Gear which keeps the revs stable in redline and upshifting on its own.
Road Performance and ride experience:
Knowing the rough patches and paths of our road, Kushaq has been designed to perform well with 205/55 section tyres encased in 17-inch alloy wheels. The rides in Kushaq, as a result are shock free and absorbent giving the riders an easy drive. Despite having a known moment of hardness, it performs quite well on highways with little vertical movements over larger fluctuations. The steering wheel is also well-weighted providing a relaxed shift and steering response with less lagging in centre. Although Kushaq does not have drive modes which could have enabled steer altering and throttle response, it still complies to most of the response related to road performance and handling while driving.
Interior Innovation:
Hopping inside this model is pretty easy with a spot-on seat with appropriate height proportion. In addition to this, the cabin appears to be divergent. The analogue dials for speedometer and tachometer seem to belong to old school giving classic driver display to the inside. The one thing that stands out is the newly designed steering wheel which derives its design from the Octavia model. It has also got floating rollers on either side though the buttons on the steering wheel lacks a tangible feel. On the design aspect, the piano-striped black covers most of the dashboard with dotted texture integrated above it. Also there is a chrome strip joining the air vents vertically on the extreme ends of the dashboard. This looks overdone in the model and there could have been better utilization of plastic in door handles, lower dashboard and centre console.
It doesn’t mean there aren’t good innovations. The new added 10 inch infotainment system is a feature from the costly Skodas model and this gives the model a regal feel. The touch response and navigation are easy to use on a daily basis. Aside from this, Skoda also provides mobile telephony with the help of applications like Android Auto and Apple Carplay and MirrorLink with collaboration with third parties for music, navigation and audiobooks. One notable thing is that Skoda has allocated only USB-C type charging ports instead of the standard USB-A ports in the Kushaq.
For the automatic climate control on the centre console, Skoda had allocated a feather- touch screen similar to the ones in Honda City. This might cause problems while driving. Another difficulty could be posed by blank buttons which are present in strips on the centre console which are hazard, door-unlock button and buttons for ventilated seats.
There is space in the legs area as compared to other SUV models, along with armrest cupholder mounted in the backseat, and backseat AC Vents. Skoda Kushaq also has significant features like an electric sunroof. Other features include ambient lighting, wireless charging, auto headlamps and wipers, rear parking camera, auto-dimming IRVM and cruise control. On the comfort aspect, Kushaq has made sure to have comfortable seating arrangements with enough support to back and shoulder. The other focus of Skoda Kushaq was on the safety aspect as they included six airbags, ABS with EBD, ESC, multi-collision braking assistance, TPMS, roll-over protection, hill-hold control, ISOFIX child-seat mounts and many more.
External Beauty:
Externally Kushaq has much to offer than meets the eye with the trademark butterfly grille with black vertical slats and chrome surround, LED headlamps with L shaped LED DRLS, Fog lights, Roof rails to name a few. Its handsome exterior might bring some footfall in the showroom.
Other Details:
It is designed to give a mileage range of 15.78 to 17.88 kmpl and its engine speed is 999 to 1498 cc. The price range for Skoda Kushaq ranges from 10.79 Lakh to 18.00 Lakh. Combined with its attractive design and unique features, customers are sure to love it.
Final Call:
While Skoda Kushaq has a lot riding in for it, it will take more than its current features and innovation to be a showstopper. The design for the Kushaq model is sharp but its small exterior might have robbed it of the potential it could have shown. Not only this, there are elements which were better not included in the model and it could be improvised in those aspects. The four seater model could have had a better boot space to target the customers with bigger families. The petrol engine can also be worked on. Overall, Skoda Kushaq is a model worthy of praise for trying to bring change while having its share of improvements. The customers might love the SUV for European built as it still is comfortable for daily use. Looking forward, it will be interesting to see how Kushaq develops itself as the market gains momentum.
Kushaq 1.0 TSI
Active MT - Price increased to rs.10.99 Lakh (Cost difference of rs. 20,000)
Style MT - Price increased to rs. 14.89 Lakh (Cost difference of rs. 29,000)
Style AT - Price increased to rs. 16.09 Lakh (Cost difference of rs. 29,000)
Style AT (6 Airbags) - Price increased to rs. 16. 49 Lakh (Cost difference of rs. 29,000)
Kushaq 1.5 TSI
Style MT - Price increased to rs. 16.49 Lakh (Cost difference of rs. 29,000)
Style DSG - Price increased to rs. 17.79 Lakh (Cost difference of rs. 19,000)
Style DSG (6 Airbags) - Price increased to rs. 18.19 Lakh (Cost difference of rs. 19,000)
From the above data, it could be assumed that Style variant was most affected by the hike of rs. 29,000 followed by Kushaq 1.5 TSI option. With Mid-spec Ambition MT & AT unchanged, it could be safe to assume they were faring well in the market with good demand. It will be interesting to see how customers react to the price hike and which model will top the market.
Skoda Kushaq was launched in June 2021. It comes with two petrol engines which were 1.0 litre three-cylinder TSI petrol engine with 115PS/178 Nm of Torque and 1.5 litre, four-cylinder with 150PS/250 Nm of Torque. It came with a six speed manual and automatic unit as well as a seven speed automatic unit as an option. The SUV had a number of features namely touchscreen infotainment system, wireless charging with USB C-type charging ports, a sunroof, cruise control, six airbags ( in Style DSG) and many more.
Skoda Kushaq also competed with Volkswagen Taigun, Renault Duster, Maruti Suzuki S cross, MG Astor in the market.
Even in its price range, it has fully justified the range with premium offers. Not only this, 1.0 TSI petrol automatic variant of Kushaq has proved to be cheaper at base in comparison to the rival models of Hyundai and Kia.
The feature included in Skoda Kushaq is its top quality dashboards, chrome accents, shiny glass panels on passenger seat, sporty air vents on one side. It also includes a system for infotainment with wireless connectivity for Android Auto and Apple Carplay which adds to the beauty of interior of car.
For petrol options, Skoda Kushaq provides a 1.0 - litre three cylinder turbo engine and a 1.5 - litre turbo petrol unit. Both of them come with six-speed manual gearbox. This feature maximizes the driving output and gives the audience their own customized setting for driving.
Skoda Auto India doesn't seem to be stopping anytime soon with their goal of bringing more models to India along with increasing touchpoints. They also aim to make available their new models in small cities as well resulting in expanding their region of business with huge boost to their sales growth. This year Skoda managed to achieve a growth in South India by 90% having increased their customer touchpoints by 84%. Their customer-centric approach will be worthy to see in the future market.
What makes KUSHAQ SUV, designed for the Indian market, the classic ŠKODA? How did heavy Indian traffic affect the making of this car? And how did the design team draw inspiration from Indian culture? Head of ŠKODA Design Oliver Stefani explains all this and much more in the following video. Watch it, and if you want more information, read this ŠKODA Storyboard article: https://www.skoda-storyboard.com/r/th...
The ŠKODA KUSHAQ - an SUV made especially for India - has arrived. Watch the world premiere of this groundbreaking head-turner right here. With many features tailor-made for Indian customers and 95% of its parts from Indian suppliers, the KUSHAQ is made to turn heads, with its muscular lines giving it a supremely adventurous and tough demeanor. Distinctive details and the use of contrast features in line with the trim selection or color scheme are designed to appeal to Indian customers. Click here to read more https://www.skoda-storyboard.com/en/m...
ŠKODA will soon launch an SUV exclusive to the Indian market: the ŠKODA KUSHAQ. The name KUSHAQ honours the ŠKODA tradition of giving SUVs names that start with a K and end with a Q. It also has a very powerful local resonance; the name comes from Sanskrit and hints that this SUV will be truly regal. Discover more on ŠKODA Storyboard: https://www.skoda-storyboard.com/r/su...
It’s an SUV made specifically for India. And it’s a true king. With many features tailor-made for Indian customers and 95% of its parts from Indian suppliers, the KUSHAQ is made to turn heads, with its muscular lines giving it a supremely adventurous and tough demeanour. Distinctive details and the use of contrast features in line with the trim selection or colour scheme are designed to appeal to Indian customers. Click here to read more https://www.skoda-storyboard.com/en/m...
