Buying a car, whether it’s a luxury variant or a budget one, requires financial planning. While a loan is an outright option, getting a 100% on-road finance facility is not possible for all. Usually, lenders disburse around 85-90% of the on-road price as a car loan to customers across India at varied interest rates. So, you need to save for those unfunded parts so that you can buy the car without any financial obstacle. You can thus save in financial instruments such as fixed deposits that assure you stable income. You can also try investing in bonds and other debt instruments that come with low risks.