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Basically trying to ask what one’s aukat should be before aspiring to but a Merc and when to settle for a Honda City instead!
Our generation’s motto is YOLO. So worth taking a loan and buying a 1 cr car the moment your income hits 20L a year.
If ur salary is 20 lakh then don’t spend more than 1/3 of ur salary which is nearly 6.5 lakh so as an associate a Maruti wagon R is a fantastic option for you.

On road it will still cost you more than 7 lakhs but it’s ok to stretch ur budget sometimes
If you're a car/driving enthusiast, spend 6-8 months salary on your car.

Otherwise, 3-4 months.