- The short — your 60-second brief
- City fuel bands
- Car math & quick savings
- EMI sensitivity (illustrative)
- Airfare timing & hotel hacks
- Weekly checklist: family & small business
The short
- Fuel: Retail bands steady in top metros; use city table for planning.
- EMIs: Lending rates broadly stable; prepaying 1–2 EMIs a year can shave months off tenure.
- Travel: For non-peak routes, ~14–21 day advance often beats last-minute buys; lock early-morning departures.
- Utilities: Check your electricity slab before festive purchases—appliances can bump you a tier.
City fuel bands (illustrative)
| City | Petrol (₹/L) | Diesel (₹/L) | Note |
|---|---|---|---|
| Delhi | 102–105 | 90–93 | Planning baseline |
| Mumbai | 106–110 | 93–97 | Levy spread vs Delhi |
| Bengaluru | 102–106 | 88–92 | Recent tax changes reflected |
Car math & quick savings (Delhi band)
Car math
- Monthly 1,000 km at 14 km/L (petrol) → ₹7,250–7,500.
- Monthly 1,000 km at 18 km/L (diesel) → ₹5,000–5,200.
- EV at 7 km/kWh, ₹9/kWh → ~₹1,285 (ex-parking/financing).
Quick savings
- Tyre pressure + route planning → 3–5% fuel cut.
- Shift 1 errand to weekday → saves traffic idle burn.
EMI sensitivity (illustrative)
| Loan | Principal | Rate | Tenor | EMI (₹) | Impact of +25 bps |
|---|---|---|---|---|---|
| Home | ₹50 lakh | 8.5% | 20 yrs | ₹43,400 | ~₹750/month or +3–4 EMIs over life |
| Auto | ₹10 lakh | 10.0% | 5 yrs | ₹21,250 | ~₹120/month |
| Personal | ₹3 lakh | 14.0% | 3 yrs | ₹10,270 | ~₹60/month |
Airfare timing & hotel hacks
Flights
- Non-peak routes: book 2–3 weeks ahead; early-morning departures price better and run on time.
- Carry-on only for short trips; avoid last-minute add-on fees.
Hotels
- Tier-2 city weekends can be cheaper—check business districts.
- Confirm final tariff with taxes/fees; look for breakfast-included plans.
Weekly checklist
Family
- Fuel top-up mid-week morning; avoid holiday queues.
- Review electricity slab; schedule heavy-use chores off-peak.
- Set a grocery budget and pre-order staples online.
Small business
- Reprice delivery surcharge if diesel crosses your threshold.
- Chase receivables & reconcile GST before mid-month.
- Back up POS/CRM and rotate passwords for vendor logins.