Buying a car is a major financial decision, but the expense does not end once you drive it out of the showroom. Regular servicing, spare parts, tyre replacements and unexpected repairs can add significantly to the total cost of ownership.

For buyers with a budget of up to ₹10 lakh, several cars offer a combination of affordability, everyday practicality and manageable maintenance expenses. Options range from compact hatchbacks designed for city driving to feature-rich models and budget-friendly SUVs.

Here are five cars worth considering if you want to keep your servicing costs under control.

1. Maruti Suzuki Alto K10: An Affordable City Car

The Maruti Suzuki Alto K10 is a practical option for first-time car buyers and people who primarily drive within the city. Its compact dimensions make parking and navigating narrow streets easier, while its relatively simple mechanical setup can help keep routine maintenance manageable.

The car's extensive service network is another advantage, particularly for owners who want easy access to authorised workshops.

Estimated regular servicing expenses over five years have been reported at around ₹15,000, although the actual amount depends on the service schedule, usage and applicable charges. This estimate excludes expenses such as tyres, major repairs and other wear-and-tear items.

The Alto K10's ex-showroom prices have been reported to start at approximately ₹3.70 lakh, with higher variants costing more.

For buyers prioritising affordability, fuel efficiency and ease of ownership, the Alto K10 deserves consideration.

2. Maruti Suzuki WagonR: A Practical Choice for Families

The Maruti Suzuki WagonR is popular among buyers who want a compact car with a spacious cabin. Its tall-boy design provides a relatively airy interior and convenient access for passengers.

The WagonR is available with petrol engine options, and selected variants also offer automated manual transmission. Its straightforward design and extensive service network can make routine maintenance convenient.

Some ownership estimates put annual regular servicing expenses at around ₹3,600, but actual costs depend on the variant, kilometres driven, vehicle age and service requirements.

The WagonR's ex-showroom price has been reported to start at approximately ₹4.99 lakh, with higher variants costing more.

For small families looking for a car that balances cabin space, practicality and manageable running costs, the WagonR is a strong option to compare.

3. Tata Tiago: A Hatchback With a Solid Build

The Tata Tiago is worth considering for buyers who want a hatchback with a distinctive design, a comfortable ride and a range of modern features.

Its compact dimensions make it suitable for everyday commuting, while the cabin offers practical space for passengers and luggage. Buyers can compare the available manual and automatic options according to their driving preferences.

However, maintenance expenses should not be judged by build quality alone. Routine servicing, replacement parts, tyres and repairs can all influence the long-term cost of ownership.

The Tiago's ex-showroom prices have been reported to start at approximately ₹4.77 lakh, with higher variants extending further up the price range.

Before purchasing, compare the scheduled service costs and warranty coverage with those of competing hatchbacks.

4. Hyundai Grand i10 Nios: Comfort and Everyday Convenience

The Hyundai Grand i10 Nios is an option for buyers who want a comfortable hatchback with a well-equipped cabin and convenient everyday features.

Its compact size makes it suitable for urban driving, while the interior is designed to provide a comfortable experience for both drivers and passengers.

Hyundai's service network and available maintenance packages can also help owners plan their expenses. However, actual servicing costs depend on the model year, variant, mileage and whether any components require replacement.

The Grand i10 Nios has been reported to start at approximately ₹5.60 lakh ex-showroom, with higher variants priced accordingly.

It is worth comparing if you want a balance of comfort, features and manageable ownership costs rather than choosing a car based on its purchase price alone.

5. Nissan Magnite: An SUV-Like Option on a Budget

For buyers who prefer SUV styling, the Nissan Magnite offers a raised stance, distinctive exterior design and features aimed at budget-conscious customers.

Its ground clearance and compact dimensions make it an option for people who want an SUV-inspired vehicle without moving into a much higher price bracket.

Some estimates place routine annual servicing costs at around ₹3,200, although this figure should be treated as indicative rather than a guaranteed expense. Actual costs vary with the service centre, mileage and maintenance requirements.

The Magnite's ex-showroom prices have been reported to start at approximately ₹5.68 lakh. Not every variant falls below ₹10 lakh, so buyers should check the price of their preferred configuration.

For those who want SUV styling while keeping the purchase budget under control, the Magnite is worth comparing with similarly priced alternatives.

Which Car Should You Choose?

The right car depends on your driving needs, budget and expectations for long-term ownership.

• For a tight budget: Consider the Maruti Suzuki Alto K10.

• For family practicality: Compare the Maruti Suzuki WagonR.

• For a compact hatchback with a solid build: Evaluate the Tata Tiago.

• For comfort and cabin features: Consider the Hyundai Grand i10 Nios.

• For SUV-inspired styling: Explore the Nissan Magnite.

How to Keep Your Car Maintenance Costs Low

Choosing a car with affordable servicing is only the first step. You can also reduce ownership expenses by following the manufacturer's service schedule, maintaining the recommended tyre pressure, checking fluid levels and addressing small problems before they become expensive repairs.

Before booking a car, ask the dealership for a scheduled maintenance estimate covering at least three to five years. Check what is included in the service package, the warranty terms and the prices of common replacement parts.

Remember that ex-showroom prices and servicing estimates can change over time and vary by location. The final on-road price will also include applicable taxes, registration, insurance and other charges.

A car that is affordable to buy and inexpensive to maintain can make a meaningful difference to your household budget over several years. Comparing the total cost of ownership, rather than just the showroom price, will help you make a more informed decision.