Tata Aeris EMI Calculator

Updated on November 2026

Tata Aeris EMI starts at ₹9,932 per month for the Smart Petrol MT (₹5.30 Lakh ex-showroom, ₹6.21 Lakh on-road Beed), on a ₹4.62 Lakh loan at 10.5% for 60 months. Down payment: ₹1.59 Lakh. Total interest: ₹1.34 Lakh. The top Accomplished CNG AMT costs ₹18,355/month.

Also see: Aeris On-road price | Aeris Variants

Tata Aeris EMI and Down Payment

Tata Aeris Smart Petrol MT – EMI calculator

Ex-showroom

: Rs. 5,29,990

On-road price

: Rs. 6,21,169 (Beed)

Loan amount

: Rs. 4,62,089 (On-road price - Down payment)

Down payment

: Rs. 1,59,080 (Amount paid upfront)

Monthly EMI

: Rs. 9,932 (For Tenure of 60 months @ 10.5%; banks start from 8.7%)

Insurance

: Rs. 31,714

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Tata Aeris Car Loan EMI Calculator

Variant: Smart Petrol MT
On-road price (Beed): Rs. 6,21,169
Down payment: Rs. 1,59,080
Loan amount: Rs. 4,62,089
Interest rate: 10.5%
Tenure: 60 months
Monthly EMI: Rs. 9,932

EMI in advance: You pay one EMI instalment in advance to the bank. This amount is deducted from the loan amount disbursed to the dealer. Thus it gets added to the down payment that you are to make.
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EMI in arrears: You don't make any advance EMI payments. The bank disburses the loan amount minus any other one time fees. ..Read More ..Read Less

Tata Aeris Car Loan EMI & Loan Breakdown

Monthly EMI

Rs. 9,932

60 months @ 10.5%

Down paymentRs. 1,59,080
Loan amountRs. 4,62,089
Total interestRs. 1,33,831
Total loan repayment (EMIs)Rs. 5,95,920
Total purchase outlayRs. 7,55,000

Total loan repayment is the EMIs only. Total purchase outlay adds the down payment, so it is what the Smart Petrol MT costs you over the loan; it does not include insurance renewal, fuel, maintenance or lender charges other than the processing fee.

Year	Principal paid	Interest paid	Outstanding loan
Year 1 Months 1-12	Rs. 74,167	Rs. 45,017	Rs. 3,87,922
Year 2 Months 13-24	Rs. 82,340	Rs. 36,844	Rs. 3,05,582
Year 3 Months 25-36	Rs. 91,414	Rs. 27,770	Rs. 2,14,168
Year 4 Months 37-48	Rs. 1,01,488	Rs. 17,696	Rs. 1,12,680
Year 5 Months 49-60	Rs. 1,12,680	Rs. 6,504	Rs. 0

Tata Aeris Car Loan Interest Rates – Bank Comparison

Lending Partners	Interest Rate	EMI Starting From (60 Months)
HDFC Bank	8.85% onwards	Rs. 9,559 (60 months)
ICICI Bank	9% onwards	Rs. 9,592 (60 months)
Axis Bank	9.15% onwards	Rs. 9,626 (60 months)
Bank of Baroda	8.7% onwards	Rs. 9,525 (60 months)

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Tata Aeris EMI by Loan Tenure

For a Rs. 4,62,089 loan on the Smart Petrol MT at 10.5%.

Tenure	EMI	Total Interest	Total Payable
36 months	Rs. 15,019	Rs. 78,595	Rs. 5,40,684
48 months	Rs. 11,831	Rs. 1,05,799	Rs. 5,67,888
60 months	Rs. 9,932	Rs. 1,33,831	Rs. 5,95,920
84 months	Rs. 7,791	Rs. 1,92,355	Rs. 6,54,444

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Tata Aeris

4.5 3 user reviews

Starts at ₹ 5.30 Lakh

View November Offers

Tata Aeris Variant-Wise EMI

On-road prices in Beed. Every variant uses the same rule: the loan runs 60 months at 10.5%, and the down payment is the on-road price minus the loan.

Aeris Variants	Fuel/Transmission	Ex-showroom	On-road Price	Loan @10.5%	Down Payment	EMI (60 months)
Smart Petrol MT	Petrol / Manual	Rs. 5,29,990	Rs. 6,21,169	Rs. 4,62,089	Rs. 1,59,080	Rs. 9,932
Pure Petrol MT	Petrol / Manual	Rs. 6,14,990	Rs. 7,18,746	Rs. 5,36,944	Rs. 1,81,802	Rs. 11,541
Smart CNG MT	CNG / Manual	Rs. 6,29,990	Rs. 7,10,262	Rs. 5,50,154	Rs. 1,60,108	Rs. 11,825
Pure Petrol AMT	Petrol / Automatic	Rs. 6,69,990	Rs. 7,81,884	Rs. 5,85,380	Rs. 1,96,504	Rs. 12,582
Pure Plus Petrol MT	Petrol / Manual	Rs. 6,74,990	Rs. 7,87,624	Rs. 5,89,784	Rs. 1,97,840	Rs. 12,677
Pure CNG MT	CNG / Manual	Rs. 7,14,990	Rs. 8,04,371	Rs. 6,25,010	Rs. 1,79,361	Rs. 13,434
Pure Plus Petrol AMT	Petrol / Automatic	Rs. 7,29,990	Rs. 8,50,763	Rs. 6,38,220	Rs. 2,12,543	Rs. 13,718
Creative Petrol MT	Petrol / Manual	Rs. 7,49,990	Rs. 8,73,722	Rs. 6,55,833	Rs. 2,17,889	Rs. 14,096
Pure CNG AMT	CNG / Automatic	Rs. 7,69,990	Rs. 8,65,266	Rs. 6,73,446	Rs. 1,91,820	Rs. 14,475
Pure Plus CNG MT	CNG / Manual	Rs. 7,74,990	Rs. 8,70,801	Rs. 6,77,849	Rs. 1,92,952	Rs. 14,570
Creative Petrol AMT	Petrol / Automatic	Rs. 8,04,990	Rs. 9,36,861	Rs. 7,04,269	Rs. 2,32,592	Rs. 15,137
Accomplished Petrol MT	Petrol / Manual	Rs. 8,19,990	Rs. 9,54,080	Rs. 7,17,479	Rs. 2,36,601	Rs. 15,421
Pure Plus CNG AMT	CNG / Automatic	Rs. 8,29,990	Rs. 9,31,696	Rs. 7,26,285	Rs. 2,05,411	Rs. 15,611
Creative CNG MT	CNG / Manual	Rs. 8,49,990	Rs. 9,53,839	Rs. 7,43,898	Rs. 2,09,941	Rs. 15,989
Accomplished Petrol AMT	Petrol / Automatic	Rs. 8,74,990	Rs. 10,17,219	Rs. 7,65,915	Rs. 2,51,304	Rs. 16,463
Creative CNG AMT	CNG / Automatic	Rs. 9,04,990	Rs. 10,14,734	Rs. 7,92,334	Rs. 2,22,400	Rs. 17,030
Accomplished CNG MT	CNG / Manual	Rs. 9,19,990	Rs. 10,31,341	Rs. 8,05,544	Rs. 2,25,797	Rs. 17,314
Accomplished CNG AMT	CNG / Automatic	Rs. 9,74,990	Rs. 10,92,236	Rs. 8,53,980	Rs. 2,38,256	Rs. 18,355

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How Is the Tata Aeris EMI Calculated?

EMI = [P × r × (1 + r)ⁿ] ÷ [(1 + r)ⁿ − 1], where P is the loan amount, r is the monthly interest rate {(annual rate ÷ 12) ÷ 100} and n is the tenure in months. For the Smart Petrol MT variant: P = ₹4.62 Lakh, r = (10.5 ÷ 12) ÷ 100 = 0.00875 and n = 60 months, which gives an EMI of ₹9,932.

The calculation starts from the Beed on-road price of ₹6.21 Lakh (ex-showroom ₹5.30 Lakh plus insurance, RTO and other charges).

Factors That Affect Your Tata Aeris Loan EMI

Down payment: Every ₹1 lakh of extra down payment lowers the EMI by about ₹2,149 at 10.5% for 60 months.
Interest rate: A rate 1% higher adds about ₹231 to the EMI on a ₹4.62 Lakh loan. Starting rates from the banks on this page range from 8.7% to 9.15%.
Loan tenure: Over 36 months the EMI is ₹15,019; over 84 months it drops to ₹7,791 but you pay ₹1.14 Lakh more in interest.
Variant and city: In Beed the EMI ranges from ₹9,932 (Smart Petrol MT) to ₹18,355 (Accomplished CNG AMT). The on-road price, and with it the loan, changes from city to city with RTO charges and insurance.

EMI of Tata Aeris Rivals – Dzire

Starting EMI of each model's base variant, worked out the same way as the Tata Aeris: the down payment is the on-road price minus the loan.

Model	On-road Price	EMI	Tenure	Interest Rate	Compare
Maruti Suzuki Dzire LXI	Rs. 7,58,312	Rs. 11,836	60 months	10.5%	Compare with Aeris
Tata Punch Smart	Rs. 6,97,527	Rs. 10,784	60 months	10.5%	Compare with Aeris
Tata Tiago Smart	Rs. 5,60,326	Rs. 8,933	60 months	10.5%	Compare with Aeris
Tata Altroz Smart	Rs. 7,25,127	Rs. 11,257	60 months	10.5%	Compare with Aeris

Frequently Asked Questions About Tata Aeris EMI

What is the monthly EMI for the Tata Aeris?

₹9,932 a month for the Smart Petrol MT, on a ₹4.62 Lakh loan at 10.5% for 5 years. The top Accomplished CNG AMT works out to ₹18,355.

How much down payment is required for the Tata Aeris?

About ₹1.59 Lakh for the Smart Petrol MT in Beed. That's the on-road price of ₹6.21 Lakh minus the ₹4.62 Lakh loan.

How does the loan tenure affect the Tata Aeris EMI?

Over 3 years the EMI is ₹15,019 and you pay ₹78,595 in interest. Stretch it to 7 years and the EMI drops to ₹7,791, but interest rises to ₹1.92 Lakh.

Is the Tata Aeris EMI calculated on the ex-showroom price or the on-road price?

On the on-road price. In Beed the Smart Petrol MT costs ₹6.21 Lakh on-road, which includes ₹31,714 insurance and ₹59,465 RTO and other charges.

Does the Tata Aeris EMI calculator include the processing fee?

Yes. The ₹4,650 processing fee is paid with the down payment and is not added to the loan.

Which bank has the lowest interest rate for a Tata Aeris loan?

Bank of Baroda, from 8.7%. At that rate the EMI on the same ₹4.62 Lakh loan comes to ₹9,525 a month.

Ask or read owner questions on Tata Aeris Q&A

Tata Aeris

4.5 3 user reviews

Starts at Rs. 5.30 Lakh

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Tata Aeris 2026 Brochure

Download brochure for detailed information of specifications, features & variants prices

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