The Real-Life Story: Vivek’s Car Loan Dilemma Vivek Sharma always dreamt of owning a Maruti Grand Vitara, but his family’s steady middle-class income meant the purchase would require a loan. As he sat in the dealership, he found himself torn between two offers: a traditional bank loan from SBI and an attractive scheme from a prominent NBFC (Non-Banking Financial Company). The differences weren’t obvious at first, and the sales pitch was persuasive from both sides….