• Types of Cars

    The world of automobiles offers a range of vehicle types, and each comes with its own set of advantages. Deciding on the type of car is one of the tough decisions that you may have to encounter during the purchase process. If you are living in a rural area that is free of any vehicular congestion, you may go for a large car that has ample space for all your requirements. City folks, on the other hand, must worry about the traffic in their cities especially when they are using the car for their everyday work commute and weekend outings.

    Most importantly, the family of the vehicle user is another big factor to be considered. If there are more than 5 members in a family, a large SUV would be an automatic choice compared to a compact hatchback. Other factors such as fuel efficiency, looks, luggage space requirement, etc. influence the purchase decision of a vehicle user. While the classification of cars based on body types is endless, we have narrowed the list to some of the commonly used types of cars in India. This brief explanation of car body types will guide you choose the appropriate vehicle suitable for your needs.


    Hatchback is the most common type of car found in the India. A hatchback is a small car with 4-doors and a boot. Most hatchbacks in India are designed to seat 5 people inside. For better comfort, it is advisable to seat only 4 people at a time. Among the many advantages of a hatchback, fuel efficiency is right on top. Being small and light, hatchbacks can provide better mileage than other cars. If you have a small family and fuel budget is a major concern, hatchbacks are the best car types to own.

    Hatchbacks are most suitable for congested city roads where car size is a major concern for all vehicles. Besides, parking can be a nightmare in most cities and hatchbacks are the ideal vehicle models of parking convenience. One of the downsides of a hatchback is that the boot space is extremely small, and these types of cars cannot be used for carrying high volume luggages. Some of the best hatchback cars in India include Tata Indica, Hyundai i10, Maruthi Alto, Maruthi Swift, Ford Figo, etc.


    Sedan is another category that is very common in the Indian market. These cars are ideal for families, and they ensure adequate space for all requirements. Similar to a hatchback, a sedan comes with 4 doors for passengers and one for the boot space. Here, the boot space is much larger and allows carrying luggages of different sizes. In certain cases, manufacturers convert the existing hatchback car into a sedan by adding extra boot space. Maruthi Swift Dzire is one of the top examples of this conversion.

    Generally, sedans are considered to be much classier than hatchback vehicles. There is an endless list of luxury sedans available in the market that could be both stylish and comfortable. There are plenty of sub variants within the sedan class, and manufacturers are continuously innovating with new body types. Some of the top sedans available in the Indian market include Ford Fiesta, Hyundai Verna, Mahindra Verito, Honda Amaze, etc.


    Apart from hatchbacks and sedans, sport-utility vehicles (SUV) are among the most common in Indian roads. One of the major advantages of SUVs over other types of cars is the space. A large family of 7 or 8 can comfortably sit in an SUV with adequate leg room. Most SUVs also come with enough space for carrying a great volume of luggages. In addition to space, SUVs are also known for their stylish looks and impeccable performance.

    In the conventional sense, SUVs are originally designed to be used on different terrains ranging from smooth highways to rugged country roads. There are many SUVs in the market that satisfy this requirement for vehicle owners. Some of the top SUV models available in the country are built with exceptional technology, and they offer great performance on rough roads. SUVs are ideally suited for long-drives in highways and driving them in congested city roads may be extremely inconvenient. Moreover, the large body of an SUV makes it very difficult to park in city roads. Some of the top SUVs in the country include Tata Safari, Toyota Fortuner, Ford Endeavour, Honda C-RV, Mahindra Scorpio, etc.


    MUV stands for multi-utility vehicle. As the name implies, these cars are intended for different usage. Though most of these vehicles share looks with SUVs, they are very different from SUVs in terms of build, design, space, and utility. The body of MUVs are built in such a way that they can carry heavy loads. The interiors of MUVs are quite flexible, and they can be redesigned according to the convenience of vehicle owners. Based on the way in which they are built, these cars can carry a lot of passengers or large volumes of luggage.

    While space and convenience are the best features of MUVs, they also have certain downsides that must not be ignored. MUVs are not suitable for small families since they are too large and not fuel efficient. In city roads, MUVs are not the best vehicles to drive since they are large and require a lot of space. Some of the top MUVs available in the Indian market include Tata Sumo, Mahindra Bolero, Force Trax, Chevrolet Tavera, Toyota Innova, Mahindra Xylo, etc.


    Crossovers are cars with body types that are a mix of the above mentioned vehicle types. With the requirements of customers changing everyday, manufacturers are coming up with new designs with different combinations. The most common crossover found in Indian markets is the hybrid between a hatchback and an SUV. Most of these vehicles are designed in the shape of hatchbacks but have the look, feel, and engineering of SUVs. In the recent days, crossovers are getting increasing popular in the Indian market.

    Almost all manufacturers in the country have their own version of crossover vehicles in their lineup. Though they are considered to be a hybrid of SUVs and hatchbacks, crossover vehicles are manufactured in a process that is entirely different from both. The combination of both features enable soft-roading features through their exceptional engineering. Some of the common crossover vehicles available in the Indian market are Maruthi Suzuki S-cross, Chevrolet Adra, Toyota Etios, Hyundai i20 Active, etc.


    Coupes come with a fixed-roof body style, and they have only 2 doors. Since they are most commonly available only in luxury models, coupes are not very popular among the general public in India. While the traditional model coupe cars came only with 2 doors, manufacturers are now exploring their own design variants. It is not very uncommon to find coupes with 4 doors in North America and certain European countries.

    Coupes are well known for their stylish looks and luxury features. Some of the top vehicle brands like Audi, BMW, Rolls Royce, etc. have coupes specifically designed for the Indian market. Since coupes are reserved mainly for the luxury market, affordable car manufacturers do not offer that many coupe model vehicles for the Indian market. Some of the top model coupes available in India are Audi R8, Audi TT, Rolls Royce Phantom (coupe variant), Bentley Continental, etc.


    This is another niche segment in the Indian market. Convertibles are mostly available only in the luxury segment, and there are only a few models available in India. Convertibles take their name from the body design in which the roof structure can be removed as and when required. Most convertibles come with foldable roof structures that allow open-air driving during pleasant weather conditions.

    The tropical climate of India does not allow many users to opt for convertibles. This is the main reason why this design is not very common among affordable car makers. Moreover, convertibles are mostly preferred in regions where air pollution is minimal. These cars are not ideal for driving in cities with traffic congestion and high air pollution. Though not best suited for Indian roads, some passionate luxury car lovers prefer convertibles mainly for their stylish looks and luxury features. Some of the popular convertible models available in India are Porsche Boxster, BMW Z4, Rolls Royce Dawn, Audi A3, etc.

    These are some of the common types of cars that are popular among the general public in India. When it comes to body types, the actual number of vehicle models available in different countries across the world are pretty huge. In addition to the ones listed here, we have other types of cars including wagons, vans, pickup trucks, etc. However, these are not frequently seen in Indian roads. The types listed here are pretty common in India, and they all come in affordable models suitable for the requirements of the average Indian user. When buying a car, you can do a quick comparison of these car types and choose the best one suitable for your specific requirements.


    1. What are the different factors that determine the loan amount I can avail?
    2. The different factors that determine the loan amount that can be availed are mentioned below:

      • The vehicle type
      • The cost of the car
      • The amount of finance that is offered
      • Your salary or income
      • Your capacity to repay the loan

      In the case of a new car, certain banks offer up to 100% of the value of the car as a loan. In the case of a used car, the market value of the car is considered.

    3. What is the minimum loan amount that can be availed?
    4. Depending on the bank, the minimum loan amount that can be availed will vary. For example, the minimum loan amount that can be availed from Axis Bank is Rs.1 lakh.

    5. Can the car be sold before the entire loan is repaid?
    6. No, the car cannot be sold before the loan is repaid. In order to sell the car a No Objection Certificate (NOC) is required. The No Objection Certificate is only provided only once the loan is fully repaid.

    7. What are the documents that must be submitted to avail a loan?
    8. The different documents that must be submitted in order to avail a car loan are mentioned below:

      • Application form
      • Income proof
      • Address proof
      • Proof of Identity

      Any other documents that are requested by the bank must be submitted as well.

    9. How long does it take for the loan to be processed?
    10. Once the necessary documents have been submitted, it may take between 3 days and 7 days for the loan to be processed.

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