SH
Shammi
•20hI have had a Toyota Innova Crysta diesel automatic G variant for the past 4 years. I have been spending at least ₹20,000 on diesel for the past 3 years. The car has already covered 1,90,000km. I am also paying an EMI of ₹33,000, with a loan outstanding of ₹13 lakh. Please suggest whether I should plan to buy a new Innova or switch to an EV like the Mahindra XEV 9e to accommodate five people.
Share your real-world experience
Be the first to help
Got a suggestion? Write it here
Share your real-world experience
Be the first to help
Got a suggestion? Write it here

Autocar India
If you are planning to upgrade, the Toyota Innova HyCross hybrid is the most sensible choice. It will significantly reduce your fuel costs in daily use, especially in city conditions, while still offering the space, comfort and reliability you are used to. It is also a very easy car to live with for long-distance travel with five passengers.
However, an important point to consider is your current financial situation. You still have a ₹13 lakh loan outstanding and are paying ₹33,000 EMI. Replacing the car now will increase your financial outflow unless you get a very strong resale value. If your current Toyota Innova Crysta is running well, continuing with it for some more time is actually the most cost-effective option.
As for electric cars like the Mahindra XEV 9e, they can drastically reduce running costs, but they make the most sense if your usage is mostly within the city or predictable daily distances. For frequent long-distance travel with family and luggage, charging stops and planning can become a limitation.
Toyota Innova HyCross
Explore cars mentioned
Share your real-world experience
Be the first to help
Got a suggestion? Write it here
Share your real-world experience
Be the first to help
Got a suggestion? Write it here
Got a suggestion for Shammi?
Add a Comment
Recommended questions for you
Posted on: 3 Apr 2026
Need expert advice?
Ask the Autocar community and experts.
Share your real-world experience
Be the first to help
Got a suggestion? Write it here
Share your real-world experience
Be the first to help
Got a suggestion? Write it here

