That's not a stupid question firstly! Depending on your yearly pay package you will need to pay taxes and build some amount of credit standing. Google for something called as "CIBIL score". Contact a financial planner (preferably a CA; some affordable yet good trustworthy person) and discuss your priorities with him/her. You might also need to save accordingly to pay your initial amount to book a car and opt for an EMI which is not too much taxing to your immediate daily survival needs. Things like food, clothing, housing (roti, kapda, makaan aur shayad marriage) might take precedence over the need of car. If you do well in job and save smartly you could have the AVVY much earlier too. Best of luck..! EDIT: Congrats for the job BTW.