This sheet is protected.

Please duplicate one for

It would be nice if anyone adding a duplicate sheet, names it same as

Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 513,328

Insurance Outflow (+) 0 47,811
In case of loan Processing charges (+) 00

Lease/Loan Amount 513,328 0

Informed by ALD Lease/Loan Rental 14,721 0
EMI Outflow (+) 529,956 0

5000 per yr Maintenance (+) 0 30,000

In case of ALD Buy Back (+) 318,263 0

Total Cost (=) 848,219 591,139

As per your slab Tax Saving (-) 163,756 0

Tax Saving on Fuel/Driver
As per your slab 203,569 0
(-)
Interest Lost (+) 45,165 95,148
Based on Engine Perquisite Tax (+) 30,035 0

Net Cost (=) 556,094 686,287

Car Lease saves... 130,193

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
t is protected. Please duplicate one for yourself to modify.

ng a duplicate sheet, names it same as the car name that they modified it for :)

Comparison Car Cost

50% Down
Max Loan Basic Price 415,112
Payment
Discount 20,135
256,664 171,110 VAT 55,297
47,811 47,811 Ex-showroom 450,274
1,283 1,711 Accessories 8,000
Road Tax 75,189
256,664 342,218 On Road Price 513,328
8,441 11,254
303,858 405,144 Loan/Lease Details
Insurance for 1 Yr 17,642
30,000 30,000 Lease/Loan Term 36
Loan Rate 12.00%
0 0 Loan P. Fees 0.50%
Interest Rate 8.00%
639,616 655,776 Resale Value 62.00%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
73,470 66,244 Allowed Mileage 30,000
0 0 Monthly Mileage 833
Car Average 12
713,086 722,020 Petrol Used Monthly 69
Petrol Cost Price 81
156,993 165,926 Calculated Fuel Claim 5589
Override Fuel Claim 8000
od Driver Salary 12000
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
r :)

In case of bank loan

In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 This sheet is protected. Please duplicate one for yourse

It would be nice if anyone adding a duplicate sheet, names it same as the ca

Comparison
ALD Avis FMRV

Downpayment (+) 0 0
Insurance Outflow (+) 0 0
In case of loan Processing charges (+) 0 0

Lease/Loan Amount 609,257 609,257

Informed by ALD Lease/Loan Rental 16,457 15,736
EMI Outflow (+) 592,452 566,496

5000 per yr Maintenance (+) 0 0

RV Rate 60.00% 60.00%
In case of ALD Buy Back (+) 326,075 326,075

Total Cost (=) 918,527 892,571

As per your slab Tax Saving (-) 183,068 175,047

Tax Saving on Fuel/Driver
As per your slab 203,569 203,569
(-)
Interest Lost (+) 50,491 48,279
Based on Engine Perquisite Tax (+) 30,035 30,035

Net Cost (=) 612,416 592,269

Saving... 192,034 212,182

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
tected. Please duplicate one for yourself to modify.

plicate sheet, names it same as the car name that they modified it for :)

Comparison Car Cost

100%
Avis CRV Max Loan Basic Price 453,782
Downpayment
Discount 0
0 609,257 205,543 VAT 65,798
0 52,264 52,264 Ex-showroom 519,580
0 0 2,019 Accessories 0
Road Tax 89,677
609,257 0 403,714 On Road Price 609,257
21,365 0 13,276
769,140 0 477,947 Loan/Lease Details
Insurance for 1 Yr 19,286
0 30,000 30,000 Lease/Loan Term 36
30.00% 0 0 Loan Rate 12.00%
163,038 0 0 Loan P. Fees 0.50%
Interest Rate 8.00%
932,178 691,521 767,773
Tax Rate 30.90%
237,664 0 0
Claim as Reimbursement (Per
203,569 0 0
Month)
65,549 112,929 78,831 Allowed Mileage 30,000
30,035 0 0 Monthly Mileage 833
Car Average 14
586,529 804,450 846,604 Petrol Used Monthly 60
Petrol Cost Price 72
217,923 0 -42,154 Calculated Fuel Claim 4320
Override Fuel Claim 8000
od Driver Salary 12000
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
In case of bank loan
In case of bank loan
If you keep money in FD

Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 Comparison
Avis FMRV Avis CRV

Downpayment (+) 0 0
Insurance Outflow (+) 0 0
In case of loan Processing charges (+) 0 0

Lease/Loan Amount 615,029 615,029

Informed by ALD Lease/Loan Rental 15,931 21,615
EMI Outflow (+) 573,516 778,140

5000 per yr Maintenance (+) 0 0

RV Rate 60.00% 30.00%
In case of ALD Buy Back (+) 329,224 164,612

Total Cost (=) 902,740 942,752

As per your slab Tax Saving (-) 177,216 240,445

Tax Saving on Fuel/Driver
As per your slab 203,569 203,569
(-)
Interest Lost (+) 48,877 66,316
Based on Engine Perquisite Tax (+) 30,035 30,035

Net Cost (=) 600,867 595,089

Saving... 210,841 216,619

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
 Comparison Car Cost
100%
Max Loan Basic Price 457,388
Downpayment
Discount 0
615,029 208,106 VAT 66,322
52,680 52,680 Ex-showroom 523,710
0 2,035 Accessories 0
Road Tax 91,319
0 406,923 On Road Price 615,029
0 13,382
0 481,746 Loan/Lease Details
Insurance for 1 Yr 19,439
30,000 30,000 Lease/Loan Term 36
0 0 Loan Rate 12.00%
0 0 Loan P. Fees 0.50%
Interest Rate 8.00%
697,709 774,567
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
113,999 79,630 Allowed Mileage 30,000
0 0 Monthly Mileage 833
Car Average 14
811,708 854,197 Petrol Used Monthly 60
Petrol Cost Price 72
0 -42,489 Calculated Fuel Claim 4320
Override Fuel Claim 8000
od Driver Salary 12000
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
In case of bank loan
In case of bank loan
If you keep money in FD

Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 Comparison
ALD Avis FMRV

Downpayment (+) 0 0
Insurance Outflow (+) 0 0
In case of loan Processing charges (+) 0 0

Lease/Loan Amount 972,229 972,229

Informed by ALD Lease/Loan Rental 16,457 24,821
EMI Outflow (+) 592,452 893,556

5000 per yr Maintenance (+) 0 0

RV Rate 60.00% 60.00%
In case of ALD Buy Back (+) 519,867 519,867

Total Cost (=) 1,112,319 1,413,423

As per your slab Tax Saving (-) 183,068 276,109

Tax Saving on Fuel/Driver
As per your slab 149,462 149,462
(-)
Interest Lost (+) 0 0
Based on Engine Perquisite Tax (+) 30,035 30,035

Net Cost (=) 809,824 1,017,887

Saving... 276,430 68,367

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
 Comparison Car Cost
100%
Avis CRV Max Loan Basic Price 729,544
Downpayment
Discount 0
0 972,229 323,179 VAT 105,784
0 84,025 84,025 Ex-showroom 835,328
0 0 1,298 Accessories 0
Road Tax 136,901
972,229 0 649,050 On Road Price 972,229
34,100 0 19,647
1,227,600 0 707,296 Loan/Lease Details
Insurance for 1 Yr 31,006
0 30,000 30,000 Lease/Loan Term 36
30.00% 0 0 Loan Rate 6.00%
259,934 0 0 Loan P. Fees 0.20%
Interest Rate 0.00%
1,487,534 1,086,254 1,145,798
Tax Rate 30.90%
379,328 0 0
Claim as Reimbursement (Per
149,462 0 0
Month)
0 0 0 Allowed Mileage 30000
30,035 0 0 Monthly Mileage 833
Car Average 15
988,779 1,086,254 1,145,798 Petrol Used Monthly 56
Petrol Cost Price 56
97,476 0 -59,545 Calculated Fuel Claim 3136
Override Fuel Claim
od Driver Salary 12000
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
In case of bank loan
In case of bank loan
If you keep money in FD

Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 Comparison
Avis FMRV Avis CRV

Downpayment (+) 0 0
Insurance Outflow (+) 0 0
In case of loan Processing charges (+) 0 0

Lease/Loan Amount 736,311 736,311

Informed by ALD Lease/Loan Rental 20,925 26,958
EMI Outflow (+) 753,300 970,488

5000 per yr Maintenance (+) 0 0

RV Rate 60.00% 30.00%
In case of ALD Buy Back (+) 397,510 198,755

Total Cost (=) 1,150,810 1,169,243

As per your slab Tax Saving (-) 248,589 320,261

Tax Saving on Fuel/Driver
As per your slab 85,536 85,536
(-)
Interest Lost (+) 62,248 80,195
Based on Engine Perquisite Tax (+) 21,384 21,384

Net Cost (=) 900,317 865,025

Saving... 62,870 98,162

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
 Comparison Car Cost
100%
Max Loan Basic Price 560,400
Downpayment
Discount 8,000
736,311 249,757 VAT 81,795
64,544 64,544 Ex-showroom 634,195
0 2,433 Accessories 0
Road Tax 110,116
0 486,554 On Road Price 736,311
0 16,001
0 576,019 Loan/Lease Details
Insurance for 1 Yr 23,817
30,000 30,000 Lease/Loan Term 36
0 0 Loan Rate 12.00%
0 0 Loan P. Fees 0.50%
Interest Rate 8.00%
830,855 922,753
Tax Rate 33.00%
0 0
Claim as Reimbursement (Per
0 0
Month)
132,331 92,485 Allowed Mileage 45,000
0 0 Monthly Mileage 1,250
Car Average 12
963,186 1,015,238 Petrol Used Monthly 104
Petrol Cost Price 72
0 -52,052 Calculated Fuel Claim 7488
Override Fuel Claim 8000
od Driver Salary
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
In case of bank loan
In case of bank loan
If you keep money in FD

Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 This sheet is protected. Please duplicate one for

It would be nice if anyone adding a duplicate sheet, names it same as

Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 591,215

Insurance Outflow (+) 0 51,326
In case of loan Processing charges (+) 00

Lease/Loan Amount 591,215 0

Informed by ALD Lease/Loan Rental 14,721 0
EMI Outflow (+) 529,956 0

5000 per yr Maintenance (+) 0 30,000

In case of ALD Buy Back (+) 366,553 0

Total Cost (=) 896,509 672,541

As per your slab Tax Saving (-) 163,756 0

Tax Saving on Fuel/Driver
As per your slab 176,749 0
(-)
Interest Lost (+) 45,165 109,585
Based on Engine Perquisite Tax (+) 30,035 0

Net Cost (=) 631,204 782,126

Car Lease saves... 150,923

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
t is protected. Please duplicate one for yourself to modify.

ng a duplicate sheet, names it same as the car name that they modified it for :)

Comparison Car Cost

50% Down
Max Loan Basic Price 445,637
Payment
Discount 0
295,608 188,479 VAT 62,389
51,326 51,326 Ex-showroom 508,026
1,478 2,014 Accessories 8,000
Road Tax 75,189
295,608 402,736 On Road Price 591,215
136,179 185,530
4,902,436 6,679,088 Loan/Lease Details
Insurance for 1 Yr 18,940
30,000 30,000 Lease/Loan Term 36
Loan Rate 10.25
0 0 Loan P. Fees 0.50%
Interest Rate 8.00%
5,280,848 6,950,907 Resale Value 62.00%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
472,594 604,150 Allowed Mileage 30,000
0 0 Monthly Mileage 833
Car Average 12
5,753,442 7,555,057 Petrol Used Monthly 69
Petrol Cost Price 81
5,122,239 6,923,853 Calculated Fuel Claim 5589
Override Fuel Claim
od Driver Salary 12000
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
r :)

In case of bank loan

In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 This sheet is protected. Please duplicate one for

It would be nice if anyone adding a duplicate sheet, names it same as

Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 667,235

Insurance Outflow (+) 0 45,139
In case of loan Processing charges (+) 00

Lease/Loan Amount 667,235 0

Informed by ALD Lease/Loan Rental 19,721 0
EMI Outflow (+) 709,950 0

5000 per yr Maintenance (+) 0 15,000

In case of ALD Buy Back (+) 253,176 0

Total Cost (=) 963,126 727,374

As per your slab Tax Saving (-) 219,375 0

Tax Saving on Fuel/Driver
As per your slab 203,569 0
(-)
Interest Lost (+) 60,504 123,675
Based on Engine Perquisite Tax (+) 30,035 0

Net Cost (=) 630,721 851,049

Car Lease saves... 220,328

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
t is protected. Please duplicate one for yourself to modify.

ng a duplicate sheet, names it same as the car name that they modified it for :)

Comparison Car Cost

50% Down
Max Loan Basic Price 528,772
Payment
VAT 78,228
333,618 205,431 Ex-showroom 607,000
45,139 45,139 Discount 22,954
0 0 Accessories 8,000
Road Tax 75,189
333,618 461,804 On Road Price 667,235
10,786 14,930
388,301 537,498 Loan/Lease Details
Insurance for 1 Yr 16,656
15,000 15,000 Lease/Loan Term 36
Loan Rate 10.75%
0 0 Loan P. Fees 0.00%
Interest Rate 8.00%
782,058 803,068 Resale Value 42.00%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
94,930 83,885 Allowed Mileage 30,000
0 0 Monthly Mileage 833
Car Average 12
876,988 886,953 Petrol Used Monthly 69
Petrol Cost Price 81
246,265 256,231 Calculated Fuel Claim 5589
Override Fuel Claim 8000
od Driver Salary 12000
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
r :)

In case of bank loan

In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 This sheet is protected. Please duplicate one for

It would be nice if anyone adding a duplicate sheet, names it same as

Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 1,067,360

Insurance Outflow (+) 0 67,097
In case of loan Processing charges (+) 00

Lease/Loan Amount 1,067,360 0

Informed by ALD Lease/Loan Rental 29,315 0
EMI Outflow (+) 1,055,340 0

5000 per yr Maintenance (+) 0 15,000

In case of ALD Buy Back (+) 492,822 0

Total Cost (=) 1,548,162 1,149,457

As per your slab Tax Saving (-) 326,100 0

Tax Saving on Fuel/Driver
As per your slab 203,569 0
(-)
Interest Lost (+) 202,364 513,244
Based on Engine Perquisite Tax (+) 30,035 0

Net Cost (=) 1,250,892 1,662,701

Car Lease saves... 411,810

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
t is protected. Please duplicate one for yourself to modify.

ng a duplicate sheet, names it same as the car name that they modified it for :)

Comparison Car Cost

50% Down
Max Loan Basic Price 786,000
Payment
VAT 114,000
533,680 350,060 Ex-showroom 900,000
67,097 67,097 Discount 0
2,668 3,587 Accessories 18,000
Road Tax 149,360
533,680 717,300 On Road Price 1,067,360
17,195 23,112
619,036 832,024 Loan/Lease Details
Insurance for 1 Yr 24,759
15,000 15,000 Lease/Loan Term 36
Loan Rate 10.50%
0 0 Loan P. Fees 0.50%
Interest Rate 18.00%
1,237,481 1,267,768 Resale Value 55.00%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
375,324 327,870 Allowed Mileage 30,000
0 0 Monthly Mileage 833
Car Average 12
1,612,805 1,595,638 Petrol Used Monthly 69
Petrol Cost Price 70
361,914 344,746 Calculated Fuel Claim 4830
Override Fuel Claim 8000
od Driver Salary 12000
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
r :)

In case of bank loan

In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 This sheet is protected. Please duplicate one for

It would be nice if anyone adding a duplicate sheet, names it same as

Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 1,467,360

Insurance Outflow (+) 0 67,097
In case of loan Processing charges (+) 00

Lease/Loan Amount 1,467,360 0

Informed by ALD Lease/Loan Rental 29,315 0
EMI Outflow (+) 1,055,340 0

5000 per yr Maintenance (+) 0 15,000

In case of ALD Buy Back (+) 492,822 0

Total Cost (=) 1,548,162 1,549,457

As per your slab Tax Saving (-) 326,100 0

Tax Saving on Fuel/Driver
As per your slab 203,569 0
(-)
Interest Lost (+) 202,364 705,586
Based on Engine Perquisite Tax (+) 30,035 0

Net Cost (=) 1,250,892 2,255,043

Car Lease saves... 1,004,151

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
t is protected. Please duplicate one for yourself to modify.

ng a duplicate sheet, names it same as the car name that they modified it for :)

Comparison Car Cost

50% Down
Max Loan Basic Price 786,000
Payment
VAT 114,000
733,680 439,260 Ex-showroom 1,300,000
67,097 67,097 Discount 0
3,668 5,141 Accessories 18,000
Road Tax 149,360
733,680 1,028,100 On Road Price 1,467,360
23,640 33,126
851,024 1,192,533 Loan/Lease Details
Insurance for 1 Yr 24,759
15,000 15,000 Lease/Loan Term 36
Loan Rate 10.50%
0 0 Loan P. Fees 0.50%
Interest Rate 18.00%
1,670,469 1,719,031 Resale Value 55.00%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
515,979 439,891 Allowed Mileage 30,000
0 0 Monthly Mileage 833
Car Average 12
2,186,448 2,158,922 Petrol Used Monthly 69
Petrol Cost Price 70
935,556 908,030 Calculated Fuel Claim 4830
Override Fuel Claim 8000
od Driver Salary 12000
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
r :)

In case of bank loan

In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 This sheet is protected. Please duplicate one for

It would be nice if anyone adding a duplicate sheet, names it same as

Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 1,025,455

Insurance Outflow (+) 0 73,585
In case of loan Processing charges (+) 00

Lease/Loan Amount 1,025,455 0

Informed by ALD Lease/Loan Rental 28,000 0
EMI Outflow (+) 1,008,000 0

5000 per yr Maintenance (+) 0 15,000

In case of ALD Buy Back (+) 617,713 0

Total Cost (=) 1,625,713 1,114,040

As per your slab Tax Saving (-) 311,472 0

Tax Saving on Fuel/Driver
As per your slab 80,093 0
(-)
Interest Lost (+) 193,287 493,094
Based on Engine Perquisite Tax (+) 20,023 0

Net Cost (=) 1,447,458 1,607,134

Car Lease saves... 159,676

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
t is protected. Please duplicate one for yourself to modify.

ng a duplicate sheet, names it same as the car name that they modified it for :)

Comparison Car Cost

50% Down
Max Loan Basic Price 862,000
Payment
VAT 0
512,728 335,681 Ex-showroom 862,000
73,585 73,585 Discount 0
2,564 3,449 Accessories 20,000
Road Tax 143,455
512,728 689,774 On Road Price 1,025,455
16,861 22,684
607,006 816,607 Loan/Lease Details
Insurance for 1 Yr 27,153
15,000 15,000 Lease/Loan Term 36
Loan Rate 12.00%
0 0 Loan P. Fees 0.50%
Interest Rate 18.00%
1,210,883 1,244,322 Resale Value 62.86%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
362,942 318,000 Allowed Mileage 30,000
0 0 Monthly Mileage 700
Car Average 12
1,573,825 1,562,322 Petrol Used Monthly 58
Petrol Cost Price 70
126,366 114,864 Calculated Fuel Claim 4060
Override Fuel Claim 8000
od Driver Salary 0
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
r :)

In case of bank loan

In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 This sheet is protected. Please duplicate one for

It would be nice if anyone adding a duplicate sheet, names it same as

Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 1,317,100

Insurance Outflow (+) 0 93,867
In case of loan Processing charges (+) 00

Lease/Loan Amount 1,317,100 0

Informed by ALD Lease/Loan Rental 35,000 0
EMI Outflow (+) 1,260,000 0

5000 per yr Maintenance (+) 0 15,000

In case of ALD Buy Back (+) 564,095 0

Total Cost (=) 1,824,095 1,425,967

As per your slab Tax Saving (-) 389,340 0

Tax Saving on Fuel/Driver
As per your slab 203,569 0
(-)
Interest Lost (+) 107,381 244,131
Based on Engine Perquisite Tax (+) 30,035 0

Net Cost (=) 1,368,602 1,670,098

Car Lease saves... 301,497

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
t is protected. Please duplicate one for yourself to modify.

ng a duplicate sheet, names it same as the car name that they modified it for :)

Comparison Car Cost

50% Down
Max Loan Basic Price 1,099,600
Payment
VAT 7,000
658,550 454,272 Ex-showroom 1,106,600
93,867 93,867 Discount
3,293 4,314 Accessories 3,000
Road Tax 207,500
658,550 862,828 On Road Price 1,317,100
20,786 27,233
748,290 980,404 Loan/Lease Details
Insurance for 1 Yr 34,637
15,000 15,000 Lease/Loan Term 36
Loan Rate 9.00%
0 0 Loan P. Fees 0.50%
Interest Rate 8.00%
1,519,000 1,547,857 Resale Value 45.00%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
185,837 167,755 Allowed Mileage 45,000
0 0 Monthly Mileage 1,250
Car Average 13
1,704,837 1,715,612 Petrol Used Monthly 96
Petrol Cost Price 60
336,235 347,011 Calculated Fuel Claim 5760
Override Fuel Claim 8000
od Driver Salary 12000
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
r :)

1260000

In case of bank loan

In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 This sheet is protected. Please duplicate one for

It would be nice if anyone adding a duplicate sheet, names it same as

Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 720,697

Insurance Outflow (+) 0 52,738
In case of loan Processing charges (+) 00

Lease/Loan Amount 720,697 0

Informed by ALD Lease/Loan Rental 19,721 0
EMI Outflow (+) 709,950 0

5000 per yr Maintenance (+) 0 15,000

In case of ALD Buy Back (+) 295,799 0

Total Cost (=) 1,005,749 788,435

As per your slab Tax Saving (-) 219,375 0

Tax Saving on Fuel/Driver
As per your slab 46,721 0
(-)
Interest Lost (+) 136,135 346,550
Based on Engine Perquisite Tax (+) 20,023 0

Net Cost (=) 895,811 1,134,985

Car Lease saves... 239,174

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
t is protected. Please duplicate one for yourself to modify.

ng a duplicate sheet, names it same as the car name that they modified it for :)

Comparison Car Cost

50% Down
Max Loan Basic Price 617,792
Payment
VAT 0
360,349 240,673 Ex-showroom 617,792
52,738 52,738 Discount 0
1,802 2,400 Accessories 0
Road Tax 102,905
360,349 480,024 On Road Price 720,697
11,850 15,786
426,608 568,290 Loan/Lease Details
Insurance for 1 Yr 19,460
15,000 15,000 Lease/Loan Term 36
Loan Rate 12.00%
0 0 Loan P. Fees 0.50%
Interest Rate 18.00%
856,497 879,101 Resale Value 42.00%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
255,078 224,699 Allowed Mileage 30,000
0 0 Monthly Mileage 833
Car Average 12
1,111,575 1,103,800 Petrol Used Monthly 69
Petrol Cost Price 81
215,763 207,988 Calculated Fuel Claim 5589
Override Fuel Claim 5000
od Driver Salary 0
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
r :)

In case of bank loan

In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 It would be nice if anyone adding a duplicate sheet, names it same as

Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 708,597

Insurance Outflow (+) 0 51,600
In case of loan Processing charges (+) 00

Lease/Loan Amount 708,597 0

Informed by ALD Lease/Loan Rental 19,721 0
EMI Outflow (+) 709,950 0

5000 per yr Maintenance (+) 0 15,000

In case of ALD Buy Back (+) 289,414 0

Total Cost (=) 999,364 775,197

As per your slab Tax Saving (-) 46,721 0

Tax Saving on Fuel/Driver
As per your slab 0
(-)
Interest Lost (+) 136,135 340,732
Based on Engine Perquisite Tax (+) 20,023 0

Net Cost (=) 1,062,081 1,115,929

Car Lease saves... 53,848

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
ng a duplicate sheet, names it same as the car name that they modified it for :)

Comparison Car Cost

50% Down
Max Loan Basic Price 604,458
Payment
VAT 2,204
354,299 237,221 Ex-showroom 606,662
51,600 51,600 Discount 0
1,771 2,357 Accessories 0
Road Tax 101,935
354,299 471,376 On Road Price 708,597
11,651 15,501
419,446 558,051 Loan/Lease Details
Insurance for 1 Yr 19,040
15,000 15,000 Lease/Loan Term 36
Loan Rate 12.00%
0 0 Loan P. Fees 0.50%
Interest Rate 18.00%
842,116 864,229 Resale Value 42.00%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
250,796 221,076 Allowed Mileage 30,000
0 0 Monthly Mileage 833
Car Average 12
1,092,912 1,085,305 Petrol Used Monthly 69
Petrol Cost Price 81
30,830 23,224 Calculated Fuel Claim 5589
Override Fuel Claim 5000
od Driver Salary 0
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
r :)

In case of bank loan

In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 It would be nice if anyone adding a duplicate sheet, names it same as

Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 917,000

Insurance Outflow (+) 0 75,750
In case of loan Processing charges (+) 00

Lease/Loan Amount 917,000 0

Informed by ALD Lease/Loan Rental 25,472 0
EMI Outflow (+) 917,000 0

5000 per yr Maintenance (+) 0 15,000

In case of ALD Buy Back (+) 359,149 0

Total Cost (=) 1,276,149 1,007,750

As per your slab Tax Saving (-) 283,353 0

Tax Saving on Fuel/Driver
As per your slab 170,197 0
(-)
Interest Lost (+) 89,384 197,577
Based on Engine Perquisite Tax (+) 30,035 0

Net Cost (=) 942,018 1,205,327

Car Lease saves... 263,310

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
ng a duplicate sheet, names it same as the car name that they modified it for :)

Comparison Car Cost

50% Down
Max Loan Basic Price 750,102
Payment
VAT 0
458,500 290,739 Ex-showroom 750,102
75,750 75,750 Discount 0
2,293 3,131 Accessories 0
Road Tax 123,466
458,500 626,261 On Road Price 917,000
14,723 20,110
530,014 723,942 Loan/Lease Details
Insurance for 1 Yr 27,952
15,000 15,000 Lease/Loan Term 36
Loan Rate 10.25%
0 0 Loan P. Fees 0.50%
Interest Rate 9.15%
1,081,557 1,108,562 Resale Value 42.00%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
150,451 133,208 Allowed Mileage 30,000
0 0 Monthly Mileage 1,200
Car Average 12
1,232,008 1,241,770 Petrol Used Monthly 100
Petrol Cost Price 81
289,991 299,753 Calculated Fuel Claim 8100
Override Fuel Claim 5000
od Driver Salary 12000
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
r :)

In case of bank loan

In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 This sheet is protected. Please duplicate one for

It would be nice if anyone adding a duplicate sheet, names it same as

Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 638,463

Insurance Outflow (+) 0 42,683
In case of loan Processing charges (+) 00

Lease/Loan Amount 638,463 0

Informed by ALD Lease/Loan Rental 19,721 0
EMI Outflow (+) 709,950 0

5000 per yr Maintenance (+) 0 15,000

In case of ALD Buy Back (+) 239,400 0

Total Cost (=) 949,350 696,146

As per your slab Tax Saving (-) 219,375 0

Tax Saving on Fuel/Driver
As per your slab 18,132 0
(-)
Interest Lost (+) 68,067 135,023
Based on Engine Perquisite Tax (+) 20,023 0

Net Cost (=) 799,933 831,169

Car Lease saves... 31,234

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
t is protected. Please duplicate one for yourself to modify.

ng a duplicate sheet, names it same as the car name that they modified it for :)

Comparison Car Cost

50% Down
Max Loan Basic Price 500,000
Payment
VAT 78,228
319,232 199,015 Ex-showroom 578,228
42,683 42,683 Discount 22,954
1,596 2,197 Accessories 8,000
Road Tax 75,189
319,232 439,448 On Road Price 638,463
10,498 14,451
377,931 520,252 Loan/Lease Details
Insurance for 1 Yr 15,750
15,000 15,000 Lease/Loan Term 36
Loan Rate 12.00%
0 0 Loan P. Fees 0.50%
Interest Rate 9.00%
756,442 779,147 Resale Value 42.00%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
103,746 91,968 Allowed Mileage 30,000
0 0 Monthly Mileage 833
Car Average 12
860,188 871,115 Petrol Used Monthly 30
Petrol Cost Price 81
60,253 71,181 Calculated Fuel Claim 2430
Override Fuel Claim
od Driver Salary 0
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
r :)

In case of bank loan

In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 This sheet is protected. Please duplicate one for

It would be nice if anyone adding a duplicate sheet, names it same as

Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 927,952

Insurance Outflow (+) 0 60,330
In case of loan Processing charges (+) 00

Lease/Loan Amount 927,952 0

Informed by ALD Lease/Loan Rental 26,926 0
EMI Outflow (+) 969,342 0

5000 per yr Maintenance (+) 0 15,000

In case of ALD Buy Back (+) 354,654 0

Total Cost (=) 1,323,996 1,003,282

As per your slab Tax Saving (-) 299,527 0

Tax Saving on Fuel/Driver
As per your slab 165,625 0
(-)
Interest Lost (+) 82,611 172,001
Based on Engine Perquisite Tax (+) 30,035 0

Net Cost (=) 971,490 1,175,283

Car Lease saves... 203,792

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
t is protected. Please duplicate one for yourself to modify.

ng a duplicate sheet, names it same as the car name that they modified it for :)

Comparison Car Cost

50% Down
Max Loan Basic Price 706,725
Payment
VAT 102,475
463,976 310,082 Ex-showroom 809,200
60,330 60,330 Discount 14,000
2,320 3,089 Accessories 0
Road Tax 132,752
463,976 617,870 On Road Price 927,952
15,052 20,045
541,872 721,603 Loan/Lease Details
Insurance for 1 Yr 22,262
15,000 15,000 Lease/Loan Term 36
Loan Rate 11.00%
0 0 Loan P. Fees 0.50%
Interest Rate 8.00%
1,083,498 1,110,104 Resale Value 44.02%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
132,180 118,973 Allowed Mileage 30,000
0 0 Monthly Mileage 833
Car Average 12
1,215,678 1,229,077 Petrol Used Monthly 69
Petrol Cost Price 81
244,188 257,587 Calculated Fuel Claim 5589
Override Fuel Claim
od Driver Salary 11000
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
r :)

In case of bank loan

In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 1,119,065

Insurance Outflow (+) 0 94,850
In case of loan Processing charges (+) 00

Lease/Loan Amount 1,119,065 0

Informed by ALD Lease/Loan Rental 32,262 0
EMI Outflow (+) 1,161,420 0

5000 per yr Maintenance (+) 0 15,000

In case of ALD Buy Back (+) 576,194.89 0

Total Cost (=) 1,737,615 1,228,915

As per your slab Tax Saving (-) 358,879 0

Tax Saving on Fuel/Driver
As per your slab 173,134 0
(-)
Interest Lost (+) 111,353 236,660
Based on Engine Perquisite Tax (+) 30,035 0

Net Cost (=) 1,346,990 1,465,575

Car Lease saves... 118,586

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
 Comparison Car Cost
50% Down
Max Loan Basic Price 836,258
Payment
VAT 121,257
559,532 362,576 Ex-showroom 957,515
94,850 94,850 Discount
2,798 3,782 Accessories 12,500
Road Tax 149,050
559,532 756,489 On Road Price 1,119,065
18,400 24,877
662,417 895,590 Loan/Lease Details
Insurance for 1 Yr 35,000
15,000 15,000 Lease/Loan Term 36
Loan Rate 12.00%
0 0 Loan P. Fees 0.50%
Interest Rate 9.00%
1,334,597 1,371,798 Resale Value 60.44%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
181,840 162,544 Allowed Mileage 30,000
0 0 Monthly Mileage 1,700
Car Average 18
1,516,437 1,534,342 Petrol Used Monthly 94
Petrol Cost Price 56
169,448 187,352 Calculated Fuel Claim 5264
Override Fuel Claim
od Driver Salary 12000
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
In case of bank loan
In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000, 60000

Leave blank to use calculated claim

For prerequisite tax calculation

 Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 1,194,979

Insurance Outflow (+) 0 94,850
In case of loan Processing charges (+) 00

Lease/Loan Amount 1,194,979 0

Informed by ALD Lease/Loan Rental 32,262 0
EMI Outflow (+) 1,161,420 0

5000 per yr Maintenance (+) 0 15,000

In case of ALD Buy Back (+) 576,194.89 0

Total Cost (=) 1,737,615 1,304,829

As per your slab Tax Saving (-) 358,879 0

Tax Saving on Fuel/Driver
As per your slab 193,001 0
(-)
Interest Lost (+) 111,353 252,715
Based on Engine Perquisite Tax (+) 30,035 0

Net Cost (=) 1,327,123 1,557,544

Car Lease saves... 230,422

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
 Comparison Car Cost
50% Down
Max Loan Basic Price 836,258
Payment
VAT 121,257
597,490 379,505 Ex-showroom 1,033,429
94,850 94,850 Discount
2,987 4,077 Accessories 12,500
Road Tax 149,050
597,490 815,474 On Road Price 1,194,979
19,649 26,817
707,354 965,421 Loan/Lease Details
Insurance for 1 Yr 35,000
15,000 15,000 Lease/Loan Term 36
Loan Rate 12.00%
0 0 Loan P. Fees 0.50%
Interest Rate 9.00%
1,417,681 1,458,853 Resale Value 60.44%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
194,176 172,819 Allowed Mileage 30,000
0 0 Monthly Mileage 1,700
Car Average 18
1,611,857 1,631,672 Petrol Used Monthly 94
Petrol Cost Price 75
284,735 304,550 Calculated Fuel Claim 7050
Override Fuel Claim
od Driver Salary 12000
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
In case of bank loan
In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000, 60000

Leave blank to use calculated claim

For prerequisite tax calculation

 This sheet is protected. Please duplicate one for

It would be nice if anyone adding a duplicate sheet, names it same as

Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 675,684

Insurance Outflow (+) 0 54,567
In case of loan Processing charges (+) 00

Lease/Loan Amount 675,684 0

Informed by ALD Lease/Loan Rental 20,000 0
EMI Outflow (+) 720,000 0

5000 per yr Maintenance (+) 0 15,000

In case of ALD Buy Back (+) 262,779 0

Total Cost (=) 982,779 745,251

As per your slab Tax Saving (-) 222,480 0

Tax Saving on Fuel/Driver
As per your slab 80,093 0
(-)
Interest Lost (+) 61,361 125,242
Based on Engine Perquisite Tax (+) 20,023 0

Net Cost (=) 761,590 870,493

Car Lease saves... 108,903

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
t is protected. Please duplicate one for yourself to modify.

ng a duplicate sheet, names it same as the car name that they modified it for :)

Comparison Car Cost

50% Down
Max Loan Basic Price 512,239
Payment
VAT 71,713
337,842 218,754 Ex-showroom 583,952
54,567 54,567 Discount 10,000
1,689 2,285 Accessories 10,969
Road Tax 90,763
337,842 456,930 On Road Price 675,684
11,110 15,026
399,963 540,949 Loan/Lease Details
Insurance for 1 Yr 20,136
15,000 15,000 Lease/Loan Term 36
Loan Rate 12.00%
0 0 Loan P. Fees 0.50%
Interest Rate 8.00%
809,061 831,555 Resale Value 45.00%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
96,707 86,649 Allowed Mileage 30,000
0 0 Monthly Mileage 833
Car Average 14
905,768 918,204 Petrol Used Monthly 60
Petrol Cost Price 81
144,179 156,614 Calculated Fuel Claim 4860
Override Fuel Claim 8000
od Driver Salary
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
r :)

In case of bank loan

In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 1,413,376

Insurance Outflow (+) 0 87,614
In case of loan Processing charges (+) 00

Lease/Loan Amount 1,413,376 0

Informed by ALD Lease/Loan Rental 37,661 0
EMI Outflow (+) 1,355,782 0

5000 per yr Maintenance (+) 0 15,000

In case of ALD Buy Back (+) 702,017 0

Total Cost (=) 2,057,799 1,515,990

As per your slab Tax Saving (-) 418,937 0

Tax Saving on Fuel/Driver
As per your slab 125,612 0
(-)
Interest Lost (+) 115,544 261,976
Based on Engine Perquisite Tax (+) 36,709 0

Net Cost (=) 1,665,503 1,777,966

Car Lease saves... 112,463

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
 Comparison Car Cost
50% Down
Max Loan Basic Price 1,026,340
Payment
VAT 148,819
706,688 492,278 Ex-showroom 1,175,159
87,614 87,614 Discount
3,533 4,605 Accessories 8,000
Road Tax 230,217
706,688 921,099 On Road Price 1,413,376
22,848 29,780
822,521 1,072,076 Loan/Lease Details
Insurance for 1 Yr 32,330
15,000 15,000 Lease/Loan Term 36
Loan Rate 10.75%
0 0 Loan P. Fees 0.50%
Interest Rate 8.00%
1,635,356 1,671,573 Resale Value 60.00%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
201,086 182,612 Allowed Mileage 45,000
0 0 Monthly Mileage 1,250
Car Average 12
1,836,442 1,854,185 Petrol Used Monthly 104
Petrol Cost Price 48
170,939 188,681 Calculated Fuel Claim 4992
Override Fuel Claim
od Driver Salary 8000
Salary (if you claim them properly)
ome for you) Driving Details
Engine >1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
In case of bank loan
In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 461,619

Insurance Outflow (+) 0 33,387
In case of loan Processing charges (+) 00

Lease/Loan Amount 461,619 0

Informed by ALD Lease/Loan Rental 15,700 0
EMI Outflow (+) 565,200 0

5000 per yr Maintenance (+) 0 15,000

In case of ALD Buy Back (+) 187,260 0

Total Cost (=) 752,460 510,006

As per your slab Tax Saving (-) 174,647 0

Tax Saving on Fuel/Driver
As per your slab 203,569 0
(-)
Interest Lost (+) 48,168 85,563
Based on Engine Perquisite Tax (+) 30,035 0

Net Cost (=) 452,447 595,569

Car Lease saves... 143,122

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and lease some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
 Comparison Car Cost
50% Down
Max Loan Basic Price 391,103
Payment
VAT 6,900
230,810 163,042 Ex-showroom 391,103
33,387 33,387 Discount 30,000
1,154 1,493 Accessories 18,000
Road Tax 82,516
230,810 298,577 On Road Price 461,619
7,590 9,819
273,250 353,478 Loan/Lease Details
Insurance for 1 Yr 12,320
15,000 15,000 Lease/Loan Term 36
Loan Rate 12.00%
0 0 Loan P. Fees 0.50%
Interest Rate 8.00%
553,601 566,400 Resale Value 42.00%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
66,069 60,345 Allowed Mileage 30,000
0 0 Monthly Mileage 833
Car Average 12
619,670 626,745 Petrol Used Monthly 69
Petrol Cost Price 81
167,222 174,298 Calculated Fuel Claim 8000
Override Fuel Claim
od Driver Salary 12000
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
In case of bank loan
In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 1,647,800

Insurance Outflow (+) 0 103,349
In case of loan Processing charges (+) 00

Lease/Loan Amount 1,647,800 0

Informed by ALD Lease/Loan Rental 43,440 0
EMI Outflow (+) 1,563,840 0

10000 per yr Maintenance (+) 0 30,000

In case of ALD Buy Back (+) 828,100 0

Total Cost (=) 2,391,940 1,781,149

As per your slab Tax Saving (-) 483,227 0

Tax Saving on Fuel/Driver
As per your slab 203,569 0
(-)
Interest Lost (+) 149,935 348,478
Based on Engine Perquisite Tax (+) 36,709 0

Net Cost (=) 1,891,788 2,129,627

Car Lease saves... NA 237,838

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
 Comparison Car Cost
50% Down
Max Loan Basic Price 1,210,672
Payment
VAT 175,548
823,900 576,923 Ex-showroom 1,386,220
103,349 103,349 Discount 8,000
4,120 5,354 Accessories 0
Road Tax 269,580
823,900 1,070,877 On Road Price 1,647,800
26,637 34,622
958,945 1,246,404 Loan/Lease Details
Insurance for 1 Yr 38,136
15,000 15,000 Lease/Loan Term 36
Loan Rate 10.75%
0 0 Loan P. Fees 0.50%
Interest Rate 9.00%
1,905,314 1,947,030 Resale Value 60.00%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
266,179 241,509 Allowed Mileage 45,000
0 0 Monthly Mileage 1,250
Car Average 12
2,171,493 2,188,539 Petrol Used Monthly 104
Fuel Cost Price 48
279,704 296,750 Calculated Fuel Claim 4992
Override Fuel Claim 8000
od Driver Salary 12000
Salary (if you claim them properly)
ome for you) Driving Details
Engine >1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
In case of bank loan
In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 1,002,333

Insurance Outflow (+) 0 64,182
In case of loan Processing charges (+) 00

Lease/Loan Amount 1,002,333 0

Informed by ALD Lease/Loan Rental 28,157 0
EMI Outflow (+) 1,013,652 0

5000 per yr Maintenance (+) 0 15,000

In case of ALD Buy Back (+) 514,269 0

Total Cost (=) 1,527,921 1,081,515

As per your slab Tax Saving (-) 313,218 0

Tax Saving on Fuel/Driver
As per your slab 203,569 0
(-)
Interest Lost (+) 86,387 185,788
Based on Engine Perquisite Tax (+) 30,035 0

Net Cost (=) 1,127,556 1,267,303

Car Lease saves... 139,748

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
 Comparison Car Cost
50% Down
Max Loan Basic Price 751,855
Payment
VAT 109,019
501,166 333,434 Ex-showroom 860,874
64,182 64,182 Discount
2,506 3,344 Accessories
Road Tax 141,459
501,166 668,899 On Road Price 1,002,333
16,203 21,626
583,313 778,538 Loan/Lease Details
Insurance for 1 Yr 23,683
15,000 15,000 Lease/Loan Term 36
Loan Rate 10.75%
0 0 Loan P. Fees 0.50%
Interest Rate 8.00%
1,166,167 1,194,498 Resale Value 60.00%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
142,606 128,153 Allowed Mileage 30,000
0 0 Monthly Mileage 1,000
Car Average 19
1,308,773 1,322,651 Petrol Used Monthly 53
Petrol Cost Price 75
181,218 195,097 Calculated Fuel Claim 3975
Override Fuel Claim 8000
od Driver Salary 12000
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
In case of bank loan
In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 840,144

Insurance Outflow (+) 0 53,696
In case of loan Processing charges (+) 00

Lease/Loan Amount 840,144 0

Informed by ALD Lease/Loan Rental 23,156 0
EMI Outflow (+) 833,616 0

5000 per yr Maintenance (+) 0 15,000

In case of ALD Buy Back (+) 444,588 0

Total Cost (=) 1,278,204 908,840

As per your slab Tax Saving (-) 250,085 0

Tax Saving on Fuel/Driver
As per your slab 197,640 0
(-)
Interest Lost (+) 71,969 157,753
Based on Engine Perquisite Tax (+) 29,160 0

Net Cost (=) 931,608 1,066,593

Car Lease saves... 134,985

447,725
Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
 Comparison Car Cost
50% Down
Max Loan Basic Price 629,015
Payment
VAT 91,207
420,072 272,532 Ex-showroom 720,222
53,696 53,696 Discount
2,100 2,838 Accessories 8,000
Road Tax 111,922
420,072 567,613 On Road Price 840,144
13,581 18,351
488,926 660,650 Loan/Lease Details
Insurance for 1 Yr 19,814
15,000 15,000 Lease/Loan Term 36
Loan Rate 10.75%
0 0 Loan P. Fees 0.50%
Interest Rate 8.00%
979,794 1,004,716 Resale Value 62.00%
Tax Rate 30.00%
0 0
Claim as Reimbursement (Per
0 0
Month)
121,087 108,209 Allowed Mileage 30,000
0 0 Monthly Mileage 833
Car Average 12
1,100,881 1,112,925 Petrol Used Monthly 69
Petrol Cost Price 75
169,274 181,317 Calculated Fuel Claim 5175
12,437 15,563 Override Fuel Claim 8000
od Driver Salary 12000
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
23,156
488,808
232,200
256,608
14256

In case of bank loan

In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 604,495

Insurance Outflow (+) 0 43,431
In case of loan Processing charges (+) 00

Lease/Loan Amount 604,495 0

Informed by ALD Lease/Loan Rental 15,700 0
EMI Outflow (+) 565,200 0

5000 per yr Maintenance (+) 0 15,000

In case of ALD Buy Back (+) 243,600 0

Total Cost (=) 808,800 662,926

As per your slab Tax Saving (-) 174,647 0

Tax Saving on Fuel/Driver
As per your slab 53,273 0
(-)
Interest Lost (+) 48,168 112,046
Based on Engine Perquisite Tax (+) 20,023 0

Net Cost (=) 649,071 774,972

Car Lease saves... 125,901

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and lease some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
 Comparison Car Cost
50% Down
Max Loan Basic Price 508,772
Payment
VAT 6,900
302,248 192,004 Ex-showroom 530,979
43,431 43,431 Discount 40,000
1,511 2,062 Accessories 31,000
Road Tax 82,516
302,248 412,491 On Road Price 604,495
9,940 13,565
357,824 488,338 Loan/Lease Details
Insurance for 1 Yr 16,026
15,000 15,000 Lease/Loan Term 36
Loan Rate 12.00%
0 0 Loan P. Fees 0.50%
Interest Rate 8.00%
720,014 740,835 Resale Value 42.00%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
86,518 77,207 Allowed Mileage 30,000
0 0 Monthly Mileage 833
Car Average 12
806,532 818,042 Petrol Used Monthly 69
Petrol Cost Price 81
157,460 168,971 Calculated Fuel Claim 5589
Override Fuel Claim
od Driver Salary 0
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
In case of bank loan
In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 551,930

Insurance Outflow (+) 0 42,794
In case of loan Processing charges (+) 00

Lease/Loan Amount 551,930 0

Informed by ALD Lease/Loan Rental 15,885 0
EMI Outflow (+) 571,860 0

5000 per yr Maintenance (+) 0 15,000

In case of ALD Buy Back (+) 210,111 0

Total Cost (=) 781,971 609,724

As per your slab Tax Saving (-) 176,705 0

Tax Saving on Fuel/Driver
As per your slab 80,093 0
(-)
Interest Lost (+) 43,862 91,044
Based on Engine Perquisite Tax (+) 20,023 0

Net Cost (=) 589,058 700,768

Car Lease saves... 111,709

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and lease some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
 Comparison Car Cost
50% Down
Max Loan Basic Price 490,180
Payment
VAT 6,900
275,965 183,881 Ex-showroom 490,180
42,794 42,794 Discount 16,500
1,407 1,877 Accessories 0
Road Tax 78,250
275,965 368,049 On Road Price 551,930
8,947 11,932
322,077 429,547 Loan/Lease Details
Insurance for 1 Yr 15,791
15,000 15,000 Lease/Loan Term 36
Loan Rate 10.95%
0 0 Loan P. Fees 0.51%
Interest Rate 7.20%
657,243 673,099 Resale Value 47.00%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
70,226 63,279 Allowed Mileage 30,000
0 0 Monthly Mileage 833
Car Average 12
727,469 736,378 Petrol Used Monthly 69
Petrol Cost Price 81
138,410 147,319 Calculated Fuel Claim 5589
Override Fuel Claim 8000
od Driver Salary 0
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
613,639.16623

In case of bank loan

In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated claim

For prerequisite tax calculation

 Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 755,584

Insurance Outflow (+) 0 47,771
In case of loan Processing charges (+) 00

Lease/Loan Amount 755,584 0

Informed by ALD Lease/Loan Rental 21,764 0
EMI Outflow (+) 783,504 0

5000 per yr Maintenance (+) 0 15,000

In case of ALD Buy Back (+) 287,076 0

Total Cost (=) 1,070,580 818,355

As per your slab Tax Saving (-) 242,103 0

Tax Saving on Fuel/Driver
As per your slab 203,569 0
(-)
Interest Lost (+) 100,159 222,293
Based on Engine Perquisite Tax (+) 30,035 0

Net Cost (=) 755,102 1,040,648

Car Lease saves... 285,546

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and lease some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
 Comparison Car Cost
50% Down
Max Loan Basic Price 559,603
Payment
VAT 78,344
377,792 248,899 Ex-showroom 637,947
47,771 47,771 Discount 0
0 0 Accessories 11,000
Road Tax 106,637
377,792 506,685 On Road Price 755,584
12,173 16,326
438,215 587,723 Loan/Lease Details
Insurance for 1 Yr 17,627
15,000 15,000 Lease/Loan Term 36
Loan Rate 10.50%
0 0 Loan P. Fees 0.00%
Interest Rate 12.00%
878,778 899,393 Resale Value 45.00%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
167,166 148,358 Allowed Mileage 30,000
0 0 Monthly Mileage 833
Car Average 14
1,045,944 1,047,751 Petrol Used Monthly 60
Petrol Cost Price 63
290,842 292,649 Calculated Fuel Claim 3780
Override Fuel Claim 8000
od Driver Salary 12000
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
In case of bank loan
In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated

claim

For prerequisite tax calculation

 Comparison
100% Down
Car Lease
Payment

Downpayment (+) 0 2,599,700

Insurance Outflow (+) 0 205,193
In case of loan Processing charges (+) 00

Lease/Loan Amount 2,599,700 0

Informed by ALD Lease/Loan Rental 70,000 0
EMI Outflow (+) 2,520,000 0

5000 per yr Maintenance (+) 0 15,000

In case of ALD Buy Back (+) 1,233,108 0

Total Cost (=) 3,753,108 2,819,893

As per your slab Tax Saving (-) 778,680 0

Tax Saving on Fuel/Driver
As per your slab 168,640 0
(-)
Interest Lost (+) 214,763 481,868
Based on Engine Perquisite Tax (+) 30,035 0

Net Cost (=) 3,050,586 3,301,761

Car Lease saves... 251,175

Overall Funda ALD recovers more than 90% of the car cost in 3 yr lease period
You save huge taxes based on your EMI, Fuel Claim and Driver Salary (if you claim them properly)
ALD takes part of saved taxes for buyback option (and leave some for you)

When it fails If you don't stick with company for 3 yrs (the earlier you leave, the more you lose)
Govt implements direct tax code within next 3 financial years (which they had plans to implement since 5
 Comparison Car Cost
50% Down
Max Loan Basic Price 2,403,719
Payment
VAT 78,344
1,299,850 660,137 Ex-showroom 2,482,063
205,193 205,193 Discount 0
6,499 9,698 Accessories 11,000
Road Tax 106,637
1,299,850 1,939,563 On Road Price 2,599,700
42,746 63,783
1,538,862 2,296,203 Loan/Lease Details
Insurance for 1 Yr 75,717
15,000 15,000 Lease/Loan Term 36
Loan Rate 12.00%
0 0 Loan P. Fees 0.50%
Interest Rate 8.00%
3,065,404 3,186,231 Resale Value 45.00%
Tax Rate 30.90%
0 0
Claim as Reimbursement (Per
0 0
Month)
372,081 318,050 Allowed Mileage 30,000
0 0 Monthly Mileage 833
Car Average 14
3,437,485 3,504,281 Petrol Used Monthly 60
Petrol Cost Price 81
386,900 453,695 Calculated Fuel Claim 4860
Override Fuel Claim
od Driver Salary 12000
Salary (if you claim them properly)
ome for you) Driving Details
Engine <= 1.6L
, the more you lose)
(which they had plans to implement since 5 yrs :-P) = To Be Filled
In case of bank loan
In case of bank loan
If you keep money in FD
Informed by ALD
Your Tax Slab

See the policy document ;)

Option of 30000 or 45000

Leave blank to use calculated

claim

For prerequisite tax calculation