H K MOTORS — Tiruvallur, Tamil Nadu

Visit more than one showroom of the same brand. Prices, exchange values and finance schemes differ between dealers, and the difference on a single tractor is often substantial. Ask each for the on-road price in writing, itemised into ex-showroom price, RTO registration, insurance and accessories.

It means the dealer's details have been verified by Tractor Kharido. It is a check on who they are, not a guarantee of pricing or after-sales service — compare quotes regardless.

Compare it against your own bank before signing. Dealer tie-ups are convenient but not always the cheapest, and the difference over a five-year term is real money. Look at the total interest payable, not the monthly figure.

Ask how far the nearest workshop is, what the free-service schedule covers, and how quickly common spares are available. A slightly higher price from a dealer with a workshop in your district usually costs less over the tractor's life.