How to buy a used car in India in 2026 — the complete checklist

Buying a used car in India in 2026 is easier than ever — but only if you know what to look for. This is the checklist we wish every buyer had when they walked into their first viewing.

1. Decide your budget the right way

Don't just look at the asking price. Add registration transfer, insurance, fresh service, and a small reserve for tyres or battery if needed. Use the SirfCar EMI calculator for finance and the on-road price tool for the all-in number.

2. Inspect on a 200-point checklist

Every SirfCar Assured car comes with this report. If you're buying privately, take a trusted mechanic to verify the engine, transmission, suspension, electricals, AC, brakes, and chassis number.

3. Verify the paperwork

RC, original invoice, insurance, PUC, road tax receipt (Form 28/29/30), service history, and a duplicate key. Always cross-check the VIN on the chassis with the RC.

4. Title transfer & RTO

Get a notarised sale agreement, the seller's PAN/Aadhaar, and submit Forms 29/30 to the RTO. Most states now allow online ownership transfer via Parivahan.

5. Insurance & warranty

Ask for an immediate insurance transfer or buy a fresh comprehensive policy. SirfCar Assured cars include up to 12 months engine + transmission warranty.

6. Use SirfCar's used-car tools

Browse used cars in your city, schedule a free inspection, or list your own car for sale at /sell-your-car.