BOOK A TEST DRIVE 
SCHEDULE A SERVICE 
*Terms and conditions apply.
*Terms and conditions apply.
*Terms and conditions apply.
*Terms and conditions apply.
*Terms and conditions apply.
About us
At BMW, we aim to make the experience of owning your dream car as enjoyable as driving one. BMW Financial Services offers you a range of car finance options customised to your needs.
BMW 360º Program
| Sample Comparsion for Payment Plans for BMW 3 Series. | ||
| BMW 360º Program | Standard Plan | |
| 47 monthly payments | ₹72,966* | ₹1,04,555* |
| Assured Buyback Value | ₹19,18,400* | NA |
| Term of loan | 48 | 48 |
| Ex-showroom price | ₹43,60,000* | ₹43,60,000* |
| Downpayment | ₹2,18,000* | ₹2,18,000* |
| Financed Amount | ₹41,42,000* | ₹41,42,000* |
| Annual Mileage | 10,000 km | NA |
| Excess Mileage | ₹20 per km | NA |
| Know more about BMW 360º offers | ||
| BMW 360 Program Offers | ||
JOY COMES WITH MANY OPTIONS.
BMW STANDARD PLAN
Repay your loan and interest through equal monthly payments (regular EMIs).
BMW BULLET PLAN
You can opt to lower your regular EMIs by paying specified higher amount at fixed intervals during the loan tenure. An ideal plan if you are expecting an increase in your paying capacity at certain points.
BMW BALLOON PLAN
You can opt to lower your regular EMIs by playing higher lump sum amount at the time of maturity. This is particularly suitable if you plan to sell your car at the end of the tenure.
BMW STEP-UP PLAN
If you plan to lower your regular EMIs at present and pay higher EMIs in future, then the set-up plan is ideal for you. In this case, the EMIs payable changes or ‘step up’ by fixed rate after a given intervals of time.
BMW STEP-DOWN PLAN
If you plan to pay higher EMIs at present and lower EMIs in future, then the step-down plan is ideal for you. In this case, the EMIs payable decreases or ‘step down by fixed rate after a given intervals of time.
BMW INDIVIDUAL PLAN
This unique plan allows you to customize your EMIs as per your requirement within the approved framework.
1. What is 360 degree program? What are its benefits?
BMW 360 is an assured buyback program wherein you have options to retain, trade in or return the vehicle at the end of term.
Key benefits:
Affordable – Lower EMI.
Flexible – choose mileage and tenure as per requirement.
Future Proof – Assured buy back price.
2. How it is different from leasing?
The basic difference between BMW 360 and leasing is vehicle owned by customer unlike in leasing where vehicle is owned by leasing company.
| Parameters | Plan Type | BMW Leasing Plan |
|---|---|---|
| Ownership | Customer | Rental |
| Buy Back | Assured Buy back @ pre-agreed price | Leasing company |
| Customer Type | Available at the pre-agreed price | Since not owned, buy back not applicable |
| Customer remains 1st owner. | Not available, however preference given to customer at the market price. |
3. What all options are available to the customer at the end of contract term?
BMW 360˚ program assures complete peace of mind with three flexible options at the end of term.
Retain: Customer can retain the car by paying the assured buyback / balloon value either in lump sum or by getting it refinanced through BMW Financial Services;
Trade-in: Customer can choose to trade in his existing car with our dealership to settle the balloon and start driving a new BMW.
Return: Customer can choose to return the car to dealership and will have no further liability if the car meets required mileage and wear and tear conditions.
4. In case of any new dealer replaces any old dealer, will the customer be impacted?
In case of any dealer is terminated or closes down operation, co-dealer/New dealer would be involved in buyback. Customer would not be affected by any such scenario.
5. Can Dealer change the agreement?
No, Dealer cannot change the agreement once the vehicle is sold to customer.
6. How is assured buyback price decided?
Assured buyback is decided basis depreciation rate prevailing the market and Used car database and Market inputs.
7. Is tenure for 360 Program pre-decided? Or Customer is flexible to decide tenure?
Tenure is pre-decided. However BMW ensures the flexibility,It is currently available in 24 months, 36 months and 48 months tenure.
8. Is there any mandatory condition for BSI under this program?
BSI is not mandatory under this condition. However customer needs to ensure periodic maintenance of the vehicle as specified in agreement. However BSI is recommended from BMW group.
9. What would be ROI for this program?
There would not be any differential ROI for this program. The customer would get the same ROI which is applicable on other models/programs.
10. Would NFSC play any role in buyback?
All the vehicles which are bought back from customers by dealer would be auctioned by NFSC Remarketing team and subsequently liquidation would be done.
11. What is the process in case of early termination?
In case of any early termination, contract with customer gets null and void for buyback. And customer has to pay back complete outstanding plus early termination charges as applicable to BMW Financial services.
12. Who will be customer touch point at BMW?
BMW dealership from where vehicle is purchased would be the customer contact point.
13. At the EOT who will inform the customer? What are the timelines?
Customer to be informed by BMW dealership 90 days prior due date of agreement on the decision to retain or return the vehicle.
14. When the vehicle inspection would be done? Who will analyse wear and tear? When would vehicle handed over?
Vehicle inspection done 7 days prior to contract termination. External evaluator appointed jointly by BMW Group will assess the vehicle. Vehicle Inspection report will be provided by inspection agency with reference to the wear tear policy as per the agreement. Vehicle handover to be done on the day of EOT with wear and tear charges paid by the customer if any as per evaluator’s assessment of the vehicle based on wear and tear policy.
15. When would vehicle be auctioned? What would be auction duration?
Vehicle to be auctioned within 2 days of handover in as in where is condition. Auction duration to be 02 days.
16. What if agreement is lost by customer?
Incase agreement is lost, customer needs to contact respective dealership and the same can be retrieved from the dealership.
17. Who will do the wear and tear assessment? How would customer judge it to be fair? What if customer does not agrees to it?
As per agreement an external evaluator appointed by BMW Group will be evaluating the vehicle. Complete vehicle report would be provided to customer. If customer does not agree, contract is void as per the terms and conditions mentioned in the agreement.
18. What if there is delay in handover by customer? What if he denies? Who bears this loss till issues gets resolved?
In case of delay/denial from customer, contract seems to be void. Further collection team from NFSC comes into effect for recovery of the balloon amount.
19. In case vehicle meets with accident, what is the process? Who will assess whether vehicle is accidental?
In case vehicle meets with accident, vehicle needs to be repaired in authorised BMW workshop, vehicle should not fall under accidental category post repair example: chassis damage, Pillar damage etc. At EOT vehicle would assessed by inspection agency jointly appointed by BMW Group.
20. How would you validate that customer wants to return the vehicle? What if customer changes the decision last moment?
Customer can inform dealership thru mail or any another written communication. If customer changes the decision at last moment, contract is null & void. Although customer has option of refinance at prevailing ROI interest at that point of time.
21. Would there be any differential treatment for corporate client and individual customer post GST?
Customer can inform dealership thru mail or any another written communication. If customer changes the decision at last moment, contract is null & void. Although customer has option of refinance at prevailing ROI interest at that point of time.
21. Would there be any differential treatment for corporate client and individual customer post GST?
If yes how that would be addressed. For same case scenario, Guaranteed future value would same for both the customers whether corporate or individual. However if there is any tax liability arising due to identity or nature of the deal that would be addressed by Customer itself.
Example: Guaranteed future value for both type of customers is 2000000 INR. However incase of corporate client if there is tax liability arising on him due to sale of asset as per the GST regulation has to be dealt by corporate itself. BMW group has no role to play in the same. Neither BMW Dealer nor BMW group would be responsible for the same.
22. What would the finance process flow for the 360 degree programme?
PLEASE REVIEW AND AGREE WITH THESE IMPORTANT TERMS AND CONDITIONS BEFORE PROCEEDING:
The user hereby takes notice and consents to the collection, lawful use and disclosure of his/her personal data as considered necessary by BMW India Financial Services Private Limited (" BMW Financial Services ") and/or BMW representatives (including any affiliate company and/or other third parties) (“Operators ”) contracted by BMW Financial Services or its affiliates including the Operator’s agents/contractors, authorized by the Operator for processing of personal data (“ Third Parties ”) for the purposes of accessing and displaying his/her financial contracts with BMW Financial Services and for processing requests, providing the user with information and cost quotes for BMW’s products and services and any other ancillary purposes.
The information stated is for illustrative purposes only and does not constitute an offer of credit facilities by BMW Financial Services. BMW Financial Services cannot be held liable for any error, omission and/or loss suffered by anyone as a result of reliance on the information set out.
Copyrights
Copyright, BMW Group. All Rights Reserved.
The text, images, graphics, sound files, animation files, video files and their arrangement on the website made available by BMW Financial Services are all subject to copyright and other intellectual property protection. These objects may not be copied for commercial use or distribution, nor may these objects be modified or reposted to other sites. The Website also contains material that is subject to the copyright rights of their providers.
Personal Data
The user agrees to the collection, use and disclosure of any personal data as necessary by BMW Financial Services, its Operators and Third Parties for the purpose(s) of (a) entering into, executing and performing of a sales and financing proposal; (b) marketing of products and services; (c) prevention of crime (including but not limited to fraud, money laundering and bribery); (d) research, benchmarking, statistical analysis and customer satisfaction surveys and (e) post sale services, such as customer loyalty programs.
BMW Financial Services shall endeavour to comply with all notification requirement under the Information Technology Act 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules 2011 (“ Data Protection Laws ”) and both BMW Financial Services and the user will duly observe all their obligations under the Data Protection Laws, which arise in connection with this Agreement. Notwithstanding any general obligations stated above, where BMW Financial Services is processing personal data belonging to users, BMW Financial Services shall ensure that it has in place appropriate technical and contractual measures to ensure the security of the personal data (and to guard against unauthorized or unlawful processing of personal data and against accidental loss or destruction of, or damage to, the personal data).
Product Variations
Some of the product information, illustrations and images contained in the BMW Financial Services website may have been prepared for generic use on other BMW Financial Services websites maintained in different countries around the world. Consequently, some of the information and/or accessories which are not available in some countries or which, in order to satisfy local market demand or regulatory controls in such countries, may only be available in different specifications or configurations.
If the user is interested in any vehicle model, paint, option or accessory shown on the BMW Financial Services engage online website and are unsure of its availability or specification in the relevant locality, the user should contact BMW Financial Services and/or a local authorized dealer for the relevant product and other current details in desired locality.
Prices
All prices specified are indicative and do not constitute a final offer. Prices are subject to change without notice, and BMW Financial Services and its respective authorised dealership(s) listed in the BMW Financial Services website reserve the right to make changes without prior notice. Prices reflected in the BMW Financial Services website may also differ from those offered in the showroom, for which the authorised dealer reserves the final right in determining the sale price.
Trademarks
Unless otherwise indicated, all marks displayed on BMW Financial Services website are subject to the trademark rights of BMW Group , this applies especially to its model name plates, and its corporate logos and emblems.
No Licenses
BMW Financial Services has sought to achieve an innovative and informative website for its users. The user, however, also needs to understand that BMW Financial Services must protect its intellectual property, including their patents, trademarks and copyrights. Accordingly, the user is hereby notified that neither the BMW Financial Services website , nor any material contained therein shall in any way grant or be taken to grant any person a license to BMW Financial Services ’s intellectual property.
Cautions Regarding Forward-Looking Statements
Website pages, investor relations releases, annual and interim reports, outlooks, presentations, audio and video files of events (live or recorded) and other documents on the BMW Financial Services website contain among other things forward looking statements that reflect management´s current views with respect to future events. The words “anticipate“, “assume“, “believe“ “estimate“, “expect“, “intend“, “may“, “plan“, “project“ and “should“ and similar expressions identify forward-looking statements. Such statements are subject to risks and uncertainties, including, but not limited to: an economic downturn in Asia, Europe or North America; changes in currency exchange rates, interest rates and in raw material prices; introduction of competing products; increased sales incentives; the successful implementation of the new business model for smart; and decline in resale prices of used vehicles. If any of these or other risks and uncertainties occur, or if the assumptions underlying any of these statements is proved incorrect, then actual results may be materially different from those expressed or implied by such statements. BMW Financial Services does not intend or assume any obligation to update any forward-looking statement, which speaks only as of the date on which it is made.
Use of EMI Calculator
The data generated with the use of the EMI Calculator is completely and solely based on the information/details provided by the user in response to the questions specified by BMW Financial Services. These questions and the calculations thereon resulting in specific data are developed and based on certain tools and calculators that are made available to BMW Financial Services and are based on pre-determined presumptions/assumptions. BMW Financial Services , while providing and developing these tools, has relied upon and assumed, without independent verification, the accuracy and completeness of all information made available to it from public / private sources and vendors or which has otherwise been reviewed by BMW Financial Services . Such information and the resultant data is provided only for user's convenience and information purposes. BMW Financial Services does not guarantee accuracy, completeness or correct sequence of any the details provided therein and therefore no reliance should be placed by the user for any purpose whatsoever on the information contained / data generated herein or on its completeness/accuracy.
Availability
BMW Financial Services will use reasonable efforts to make the website available at all times. However you acknowledge the website is provided over the internet and mobile networks and so the quality and availability of the website may be affected by factors outside reasonable control for which BMW Financial Services shall not be made responsible.
BMW Financial Services, its group of companies and sub-contractors do not accept any responsibility whatsoever for unavailability of the website, or any difficulty or inability to download or access content or any other communication system failure which may result in the website being unavailable.
Conditions Of Use
You will not, nor allow third parties on your behalf to (i) make and distribute copies of the content of the website (ii) attempt to copy, reproduce, alter, modify, reverse engineer, disassemble, decompile, transfer, exchange or translate the content of the website; or (iii) create derivative works of the content of the website of any kind whatsoever.
Termination
BMW Financial Services has the right to terminate use and access of the website at any point of time.
Upon any termination, (a) the rights granted to you herein shall terminate; (b) you must cease all use of the website;
Limitation of Liability
In no event will BMW Financial Services be liable for any direct, indirect, special, punitive, exemplary or consequential losses or damages of whatsoever kind arising out of your use or access to the website, including loss of profit or the like whether or not in the contemplation of the parties, whether based on breach of contract, tort (including negligence), product liability or otherwise.
BMW Financial Services is not liable to you for any damage or alteration to your equipment including but not limited to computer equipment, handheld device or mobile telephones as a result of the access or use of the website.
Disclaimer Of Warranties
To the maximum extent permitted by law, and for the avoidance of doubt, BMW Financial Services hereby disclaims all implied warranties with regard to the website. The website along with its contents are provided "as is" and "as available" without warranty of any kind.
Disclaimer
*The models, equipment and possible vehicle configurations illustrated in this configuration may differ from vehicles supplied in the Indian market. Some options may contain mandatory combinations with other options. Please check with your local Authorised BMW Dealer. *New Disclaimer ** Price prevailing at the time of invoicing will be applicable. Ex-showroom price inclusive of GST (incl compensation cess) as applicable but excludes Road Tax, RTO statutory taxes/fees, other local tax/cess levies and insurance. Prices and options are subject to change without prior notice. @ As on September 11, 2017.