Help Centre

Frequently asked questions

Answers to the questions we hear most — about buying, financing, insuring and running commercial vehicles with SMJ.

🚚Buying a vehicle

Yes. We offer new commercial vehicles from leading brands and a range of verified, certified pre-owned vehicles — each inspected and documented before sale.

Tata Motors, Mahindra, Ashok Leyland, Eicher and Maruti Suzuki Commercial — covering mini trucks, pickups and cargo vehicles.

Absolutely. Our consultation service matches the right make, model and body to your route, load and budget before you commit.

💳Finance & EMI

With complete documents, in-principle approval is typically issued within 24 hours. Final disbursal depends on lender verification.

Most lenders finance 80–90% of the on-road price, so a 10–20% down payment is typical. We help structure this to your budget.

Yes, subject to the vehicle's age and condition assessment. We arrange finance for verified pre-owned vehicles as well.

🛡️Insurance & RTO

Third-party liability insurance is legally mandatory. We recommend comprehensive cover to also protect your own vehicle, and we help you compare options.

In most cases, no. We manage RTO work on your behalf and only involve you where physical presence or the vehicle is required.

Yes — registration, permits, fitness, road tax and transfers are all handled end-to-end by our team.

🤝Service & support

Yes. From two vehicles to large fleets, we provide sourcing, finance, insurance, documentation and ongoing support through a single point of contact.

Yes. Our body fabrication service builds load decks, containers, tippers and custom bodies engineered to your application.

We stay reachable for renewals, servicing guidance, additional purchases and fleet expansion — long after delivery.

Still have a question?

Our team is happy to help — reach out and we'll respond quickly.