In today’s fast-paced world, where everything from movies to meals is available on subscription, a bold question is rising – Is car ownership becoming outdated? With the emergence of car subscription services offering convenience, flexibility, and variety, is it still worth owning a car in India?
In this blog post, we’ll break down the rise of car subscription models, compare them with traditional ownership, and help you decide what’s right for you in 2025 and beyond.
Table of Contents
The Big Shift: Car Subscription vs Ownership in India 2025
Car ownership has long been a symbol of independence and success in India. From buying your first Maruti to upgrading to a Hyundai or a Mahindra SUV, it’s been more than just transport it’s emotion.
But with rising fuel prices, increasing urban congestion, and the younger generation’s preference for flexibility, the car-as-a-service model is gaining serious traction.
What is a Car Subscription Model?
A car subscription is a service where you pay a monthly fee to use a car, just like subscribing to Netflix or Spotify. It often includes:
- Insurance
- Maintenance
- Roadside assistance
- The ability to swap cars based on your needs
Some global services like Clutch, Book by Cadillac, and Care by Volvo have already made waves in the U.S. and Canada. In India, companies like Revv, Quiklyz by Mahindra, and Maruti Suzuki Subscribe are jumping into the game.
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Why Are Car Subscriptions Gaining Popularity?

Here are the key reasons why subscription models are catching fire especially among millennials and Gen Z in metro cities like Mumbai, Bangalore, and Delhi:
1. Ultimate Flexibility
Switch cars monthly. Need an SUV for a trip or a compact car for city driving? You got it.
2. No Long-Term Commitment
Avoid the burden of EMIs, resale hassles, or the fear of depreciation.
3. Zero Maintenance Worries
All upkeep is handled by the subscription provider. No more service center headaches.
4. Ideal for City Dwellers
If you live in a metro where you don’t drive daily or struggle with parking, this model is perfect.
The Traditional Appeal of Car Ownership in India

Despite these advantages, traditional car ownership still holds strong ground, especially in Tier-2 and Tier-3 cities. Here’s why:
1. Emotional Connection
Owning a car often feels like owning a piece of your identity. It’s “meri pehli gaadi”, a sentiment hard to replace.
2. Long-Term Value
Cars, especially well-maintained ones, hold resale value. Ownership builds equity.
3. Freedom to Customize
Want to add a custom music system or sporty alloys? You’re the boss.
4. Cost-Effective for Long-Term Users
If you plan to use the same vehicle for 5–7 years, owning is often more affordable in the long run.
Cost Comparison: Car Subscription vs Ownership in India
Let’s look at the real-world costs of both models in India.
Car Subscription Costs
- Monthly Fee: ₹25,000 – ₹90,000 (based on model)
- Included: Insurance, maintenance, breakdown cover
- Extra Charges: Damage, over-usage, and sometimes fuel
Car Ownership Costs
- Down Payment: ₹1 – ₹2 lakhs (depending on car)
- EMI: ₹10,000 – ₹35,000/month
- Insurance: ₹10,000 – ₹25,000/year
- Maintenance: ₹5,000 – ₹20,000/year
- Depreciation: Up to 50% in 5 years
Subscription gives you convenience and peace of mind. Ownership offers value and control over time.
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When Should You Choose Car Subscription?
Car subscription makes sense if:
- You move frequently between cities
- You love trying out new cars
- You hate dealing with resale, maintenance, and insurance
- You only need a car occasionally
Perfect for young professionals, corporates, and urban lifestyle seekers who value ease and flexibility.
When Is Car Ownership the Better Option?
Car ownership wins if:
- You drive regularly or travel long distances
- You want to customize and build an emotional bond with your car
- You plan to keep your car for 5+ years
- You see your car as an investment (or at least a long-term utility)
Ideal for families, car enthusiasts, and those living in non-metro cities.
What Does the Future Hold for Car Ownership?
India’s automotive landscape is evolving rapidly. With rising adoption of EVs, changing urban infrastructure, and growing demand for smart mobility solutions we might see a hybrid future:
A world where some people subscribe, some lease, and some still buy based on their unique needs.
Just like music evolved from cassettes to Spotify, mobility is evolving from ownership to access.
Final Thoughts: Should You Own or Subscribe?

There’s no one size fits all answer. It depends on your lifestyle, finances, and preferences.
- Want full control? Go for ownership.
- Want maximum ease and variety? Try subscription.
The good news? Both options can co-exist in India. And now that you understand the pros and cons of each, you can make a smart, informed decision.