How a brake job is actually priced
Brakes are quoted as a job but built from separate components, and knowing which is which prevents most overcharging. Pads are the consumable, designed to wear out, and they are cheap. Discs, sometimes called rotors, wear far more slowly and only need replacing when they go below a minimum thickness or warp. Calipers rarely need replacing at all.
The default assumption should be pads only. A workshop that quotes pads and discs together on every job is either working on a badly neglected car or padding the invoice. Discs have a minimum thickness stamped on them, and a technician can measure the actual figure with a micrometer in under a minute. Ask for that number before agreeing to replace them.
The rear brakes on many Indian hatchbacks are drums rather than discs, which changes the job entirely. Drum brake shoes typically last much longer than front pads, and a full brake service on such a car often means front pads only, with the rear inspected and adjusted rather than replaced.
What the noises mean
A high-pitched squeal when braking gently is usually the wear indicator, a small metal tab designed to touch the disc and make exactly that sound when the pad gets thin. It is doing its job: the car is telling you to book a replacement in the next few weeks. It is not an emergency, but it is not something to ignore for months either.
A harsh grinding sound is a different matter. That is metal on metal, meaning the friction material is entirely gone and the pad backing plate is cutting into the disc. Every stop from that point deepens the damage and turns a pad-only job into pads and discs. This one warrants stopping the car and arranging a repair rather than finishing the week.
A rhythmic pulsing through the pedal, in time with wheel rotation, usually means a warped disc or uneven pad deposits. It often follows a hard stop from high speed, or driving through a puddle with hot brakes. Mild cases can sometimes be machined flat; severe ones need new discs.
Brake fluid is the part everybody forgets
Brake fluid is hygroscopic, meaning it absorbs moisture from the air over time, and this matters more than it sounds. Water lowers the boiling point of the fluid. Under sustained heavy braking, on a hill descent for instance, that absorbed water can boil, and vapour is compressible in a way liquid is not. The result is a pedal that sinks to the floor with little braking effect.
Most manufacturers specify a fluid change every two years regardless of mileage, and it is among the cheapest safety-critical jobs on a car. It is also among the most commonly skipped, because nothing visibly deteriorates and the car gives no warning until the day you need the brakes most.
A technician can test the moisture content with a cheap electronic tester in seconds. If the fluid in your car has never been changed and the car is more than three years old, it is due, and you should treat a workshop that has never mentioned it as having been incurious about your brakes.
Choosing pads, and what to avoid
Pads come in several friction materials. Organic pads are quiet and gentle on discs but wear faster. Semi-metallic pads bite harder and handle heat better at the cost of more noise and more disc wear. Ceramic pads are quiet, low-dust and long-lasting, and cost the most. For ordinary city driving, decent organic or ceramic pads are the sensible choice.
What to avoid is the cheapest unbranded set available. Brake pads are the single component where the gap between adequate and poor has direct safety consequences, because a pad that fades under heat gives you no warning until you need a hard stop. The saving between a poor pad and a good one is a few hundred rupees across the life of the set.
After fitting, new pads need bedding in: a series of moderate stops from around 50 km/h to transfer an even layer of friction material onto the disc. A workshop that hands the car back with a warning to brake gently for the first hundred kilometres is giving you correct advice, not covering itself.