Looking to buy a Jimny? 10 quick tips to get the highest discount

Discount is 180k flat + 150k if maruti finance is availed. It's a no brainer then, even if you prefer to buy outright like we usually do.

BHPian Mu009 recently shared this with other enthusiasts.

Just booked ours today after months of waiting for exactly such discounts. It will be more or less a city car as it is replacing mom's 20 year old Alto 800 which was her daily and used as a beater by me (rare as my primary mode of transport is 2 wheels within the city).

To hopefully clarify questions around discounting for whomever is wondering, this is how it works:

• Discount is not just on ready stock with dealer, it applies to factory despatches also. The offer is up to 15th as of now, but the dealership transparently said they expect an increase of up to 15 days, but that's obviously not guaranteed. That said, since booking amount is refundable and they are calling for an AT vehicle from factory (which has almost nil demand in Jabalpur), it is obvious that they are confident they can get it to me in time and/or offer will be extended. Both Nexa dealers here are hesitant to call for ATs and only one of them has just 1 bluish black 2024 in stock. This is to give you an idea of just what is possible in terms of stock availability and ordering. Also, while both dealers were chasing me(given my previous enquiries and firm interest), the hungrier dealership was the less popular Nexa dealership in the city. As per their sales GM, the main benefit is their bump in internal Maruti rating by selling a slow seller like the Jimny specifically through Maruti finance. So please also approach the slower Nexa dealership near you in case your first choice of dealership is dragging their heels.

• Should be common knowledge by now, but discount on ex-showroom means, RTO charges will remain the same, however TCS will reduce. Most dealers will try to gyp you on the TCS difference, so be wary (~3k in this case).

• Discount is 180k flat + 150k if maruti finance is availed. It's a no brainer then, even if you prefer to buy outright like we usually do.

• You can close out the loan without penalty earliest in 2 months (after paying 2 EMIs), but only with a floating interest rate. Final interest rate will depend on your CIBIL score. That works out to about ~7.5k INR. This is with the minimum loan amount which is 3L.

• If you take a loan of 5L and close in 2 months the same way, this delta comes out to 10k INR in our case. These amounts will vary slightly with your CIBIL scores as mentioned earlier. Since we haven't ever taken a loan, ours are on the higher side.

• Anyway, this means effective final discount is ~3.2L.

• If you take fixed interest rate, minimum pre-closure period without penalty is 1 year. That will obviously entail a higher effective final price.

• Please check road tax in your case, my insurance with zero dep, consumables, rti, Key protect and Engine protect through Maruti is ~43k.

• The only thing I negotiated further were the 4 accessories I wanted - mud flaps, floor mats, boot mat and car cover.

• As per my understanding, this is a ~30k higher discount than even the best on 2023 stock in early 2024. And that too on fresh stock! You can wait for more, but even though this was relatively unplanned and is a little tight for me right now due to other circumstances, I jumped at this opportunity. I think this is about as good as it will get. At the very least, it won't ever go so much more that it pinches even the most tight-fisted person. Certainly not on fresh stock.

Hope this clarifies things for those in doubt. Please feel free to quote the message/PM in case of a lack of clarity, or if you require more details. I'll try to help out as best I can.

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