Tata Punch EV EMI Calculator


Updated on October 2026
Tata Punch EV EMI starts at ₹18,431 per month for the Smart 30kWh electric(battery) (₹9.79 Lakh ex-showroom, ₹10.60 Lakh on-road Krishnanagar), on a ₹8.58 Lakh loan at 10.5% for 60 months. Down payment: ₹2.02 Lakh. Total interest: ₹2.48 Lakh. The top Empowered Plus S 40kWh costs ₹24,471/month.
Also see: Punch EV On-road price | Punch EV Variants | Punch EV Offers | Punch EV Mileage

Tata Punch EV Smart 30kWh EMI & Down Payment

Ex-showroom
: Rs. 9,79,000
On-road price
: Rs. 10,59,592  (Krishnanagar)
Loan amount
: Rs. 8,57,512  (On-road - Down payment)
Down payment
: Rs. 2,02,080  (On-road - Loan amount)
Monthly EMI
: Rs. 18,431  (For Tenure of 60 months @ 10.5%; banks start from 8.7%)
Insurance
: Rs. 45,892
View October Offers Apply for Loan

Tata Punch EV Car Loan EMI Calculator

On-road price (Krishnanagar)
Rs. 10,59,592
Down payment
Rs. 2,02,080
Loan amount
Rs. 8,57,512
Interest rate
10.5%
Tenure
60 months
Monthly EMI
Rs. 18,431
Total interest
Rs. 2,48,348
Total payable
Rs. 11,05,860
EMI in advance: You pay one EMI instalment in advance to the bank. This amount is EMI in arrears: You don't make any advance EMI payments. The bank disburses the loan
Image
Do you own a Car or Bike?
  • Interact with community
  • Become a Top Contributor
Add Car Add Bike

Tata Punch EV Car Loan Interest Rates – Bank Comparison

Lending Partners Interest Rate EMI Starting From (60 Months)
Loans From HDFC BankHDFC Bank 8.85% onwards Rs. 17,738 (60 months)
Loans From ICICI BankICICI Bank 9% onwards Rs. 17,801 (60 months)
Loans From Axis BankAxis Bank 9.15% onwards Rs. 17,863 (60 months)
Loans From Bank of Baroda BankBank of Baroda 8.7% onwards Rs. 17,676 (60 months)
View EMI Offer

Tata Punch EV EMI by Loan Tenure

For a Rs. 8,57,512 loan on the Smart 30kWh electric(battery) at 10.5%.

Tenure EMI Total Interest Total Payable
36 months Rs. 27,871 Rs. 1,45,844 Rs. 10,03,356
48 months Rs. 21,955 Rs. 1,96,328 Rs. 10,53,840
60 months Rs. 18,431 Rs. 2,48,348 Rs. 11,05,860
84 months Rs. 14,458 Rs. 3,56,960 Rs. 12,14,472
Tata Punch EV
Images | Colours
Tata Punch EV
4.9 1 user reviews
Starts at ₹ 9.79 Lakh
View October Offers
Add your question
Have a question in mind?

Get Answers from over 1.2 million owners and auto-experts

Ask Your Question

Tata Punch EV Variant-wise EMI & Down Payment

Punch EV Variants Fuel/Transmission Ex-showroom Loan @10.5% Down Payment EMI (60 months)
Smart 30kWh Electric(Battery) / Automatic Rs. 9,79,000 Rs. 8,57,512 Rs. 2,02,080 Rs. 18,431
Smart Plus 30kWh Electric(Battery) / Automatic Rs. 10,39,000 Rs. 9,09,551 Rs. 2,22,477 Rs. 19,550
Smart Plus 40kWh Electric(Battery) / Automatic Rs. 11,19,000 Rs. 9,80,003 Rs. 2,35,987 Rs. 21,064
Adventure 40kWh Electric(Battery) / Automatic Rs. 11,94,000 Rs. 10,46,053 Rs. 2,48,370 Rs. 22,484
Empowered 40kWh Electric(Battery) / Automatic Rs. 12,69,000 Rs. 11,12,102 Rs. 2,60,853 Rs. 23,903
Empowered Plus S 40kWh Electric(Battery) / Automatic Rs. 12,99,000 Rs. 11,38,521 Rs. 2,65,708 Rs. 24,471

EMI of Tata Punch EV Rivals – Syros EV

Tata Punch EV EMI – Frequently Asked Questions

What is the starting EMI of the Tata Punch EV?

The Tata Punch EV EMI starts at ₹18,431 per month for the Smart 30kWh electric(battery) on a ₹8.58 Lakh loan at 10.5% for 60 months. Its on-road price in Krishnanagar is ₹10.60 Lakh.

What is the minimum down payment for the Tata Punch EV?

About ₹2.02 Lakh for the Smart 30kWh electric(battery) in Krishnanagar: the on-road price of ₹10.60 Lakh minus a ₹8.58 Lakh loan.

How much total interest will I pay on a Tata Punch EV loan?

On a ₹8.58 Lakh loan at 10.5% for 60 months you pay ₹2.48 Lakh in interest, or ₹11.06 Lakh in total.

What is the Tata Punch EV EMI for a 3-year versus a 7-year tenure?

For a ₹8.58 Lakh loan at 10.5%, the EMI is ₹27,871 per month over 3 years (₹1.46 Lakh interest) and ₹14,458 per month over 7 years (₹3.57 Lakh interest).

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

Of the banks listed on this page, Bank of Baroda starts lowest at 8.7%, which makes the EMI ₹17,676 per month on a ₹8.58 Lakh loan for 60 months.

What is the EMI of the top Tata Punch EV variant?

The Empowered Plus S 40kWh costs ₹24,471 per month on a ₹11.39 Lakh loan at 10.5% for 60 months.

How is the Tata Punch EV down payment calculated?

Down payment is the on-road price minus the loan amount. ZigWheels finances 90% of the ex-showroom price, less the processing fee and one EMI paid in advance, so the down payment covers the rest of the ex-showroom price plus insurance, registration and other on-road charges.

Ask or read owner questions on Tata Punch EV Q&A
Tata Punch EV
Tata Punch EV
4.9 1 user reviews
Starts at Rs. 9.79 Lakh
Images | Colours
Tata Punch EV Brochure

Tata Punch EV 2026 Brochure

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

Tata Cars in India

Tata Cars in India

Popular Electric Cars

View All Electric Cars
  1. Home ›
  2. New Cars ›
  3. Car EMI Calculator ›
  4. Tata Punch EV EMI Calculator
×