Tata Punch EMI Calculator

Updated on October 2026

Tata Punch EMI starts at ₹10,784 per month for the Smart petrol (₹5.75 Lakh ex-showroom, ₹6.61 Lakh on-road Delhi), on a ₹5.02 Lakh loan at 10.5% for 60 months. Down payment: ₹1.60 Lakh. Total interest: ₹1.45 Lakh. The top Accomplished Plus S CNG AMT costs ₹20,269/month.

Also see: Punch On-road price | Punch Variants

Tata Punch Smart EMI & Down Payment

Ex-showroom

: Rs. 5,74,990

On-road price

: Rs. 6,61,406 (Delhi)

Loan amount

: Rs. 5,01,718 (On-road - Down payment)

Down payment

: Rs. 1,59,688 (On-road - Loan amount)

Monthly EMI

: Rs. 10,784 (For Tenure of 60 months @ 10.5%; banks start from 8.7%)

Insurance

: Rs. 33,916

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Tata Punch Car Loan EMI Calculator

On-road price (Delhi): Rs. 6,61,406
Down payment: Rs. 1,59,688
Loan amount: Rs. 5,01,718
Interest rate: 10.5%
Tenure: 60 months
Monthly EMI: Rs. 10,784
Total interest: Rs. 1,45,322
Total payable: Rs. 6,47,040

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 Punch Car Loan Interest Rates – Bank Comparison

Lending Partners	Interest Rate	EMI Starting From (60 Months)
HDFC Bank	8.85% onwards	Rs. 10,378 (60 months)
ICICI Bank	9% onwards	Rs. 10,415 (60 months)
Axis Bank	9.15% onwards	Rs. 10,451 (60 months)
Bank of Baroda	8.7% onwards	Rs. 10,342 (60 months)

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Tata Punch EMI by Loan Tenure

For a Rs. 5,01,718 loan on the Smart petrol at 10.5%.

Tenure	EMI	Total Interest	Total Payable
36 months	Rs. 16,307	Rs. 85,334	Rs. 5,87,052
48 months	Rs. 12,846	Rs. 1,14,890	Rs. 6,16,608
60 months	Rs. 10,784	Rs. 1,45,322	Rs. 6,47,040
84 months	Rs. 8,459	Rs. 2,08,838	Rs. 7,10,556

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Tata Punch

4.6 94 user reviews

Starts at ₹ 5.75 Lakh

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Tata Punch Variant-wise EMI & Down Payment

Punch Variants	Fuel/Transmission	Ex-showroom	Loan @10.5%	Down Payment	EMI (60 months)
Smart	Petrol / Manual	Rs. 5,74,990	Rs. 5,01,718	Rs. 1,59,688	Rs. 10,784
Pure	Petrol / Manual	Rs. 6,64,990	Rs. 5,80,977	Rs. 1,97,390	Rs. 12,487
Smart CNG	CNG / Manual	Rs. 6,84,990	Rs. 5,98,590	Rs. 2,05,513	Rs. 12,866
Pure Plus	Petrol / Manual	Rs. 7,16,990	Rs. 6,26,771	Rs. 2,09,150	Rs. 13,472
Pure Plus S	Petrol / Manual	Rs. 7,51,990	Rs. 6,57,594	Rs. 2,17,065	Rs. 14,134
Pure CNG	CNG / Manual	Rs. 7,67,990	Rs. 6,71,685	Rs. 2,24,383	Rs. 14,437
Pure Plus AMT	Petrol / Automatic	Rs. 7,74,990	Rs. 6,77,849	Rs. 2,22,367	Rs. 14,570
Adventure	Petrol / Manual	Rs. 7,76,990	Rs. 6,79,611	Rs. 2,22,818	Rs. 14,607
Pure Plus S AMT	Petrol / Automatic	Rs. 8,09,990	Rs. 7,08,672	Rs. 2,30,282	Rs. 15,232
Adventure S	Petrol / Manual	Rs. 8,11,990	Rs. 7,10,433	Rs. 2,30,734	Rs. 15,270
Pure Plus CNG	CNG / Manual	Rs. 8,19,990	Rs. 7,17,479	Rs. 2,36,143	Rs. 15,421
Adventure AMT	Petrol / Automatic	Rs. 8,34,990	Rs. 7,30,689	Rs. 2,35,935	Rs. 15,705
Adventure Turbo	Petrol / Manual	Rs. 8,46,990	Rs. 7,41,256	Rs. 2,38,549	Rs. 15,932
Accomplished	Petrol / Manual	Rs. 8,46,990	Rs. 7,41,256	Rs. 2,38,549	Rs. 15,932
Pure Plus S CNG	CNG / Manual	Rs. 8,54,990	Rs. 7,48,302	Rs. 2,44,058	Rs. 16,084
Pure Plus CNG AMT	CNG / Automatic	Rs. 8,76,990	Rs. 7,67,676	Rs. 2,49,134	Rs. 16,500
Adventure CNG	CNG / Manual	Rs. 8,79,990	Rs. 7,70,318	Rs. 2,49,712	Rs. 16,557
Accomplished AMT	Petrol / Automatic	Rs. 9,04,990	Rs. 7,92,334	Rs. 2,51,766	Rs. 17,030
Adventure S CNG	CNG / Manual	Rs. 9,14,990	Rs. 8,01,141	Rs. 2,57,527	Rs. 17,220
Accomplished Plus S	Petrol / Manual	Rs. 9,16,990	Rs. 8,02,902	Rs. 2,54,480	Rs. 17,257
Adventure CNG AMT	CNG / Automatic	Rs. 9,36,990	Rs. 8,20,515	Rs. 2,62,603	Rs. 17,636
Accomplished CNG	CNG / Manual	Rs. 9,49,990	Rs. 8,31,964	Rs. 2,65,642	Rs. 17,882
Adventure S CNG AMT	CNG / Automatic	Rs. 9,71,990	Rs. 8,51,338	Rs. 2,70,418	Rs. 18,299
Accomplished Plus S AMT	Petrol / Automatic	Rs. 9,74,990	Rs. 8,53,980	Rs. 2,67,496	Rs. 18,355
Accomplished Plus S Turbo	Petrol / Manual	Rs. 9,96,990	Rs. 8,73,355	Rs. 2,72,571	Rs. 18,772
Accomplished Plus S CNG AMT	CNG / Automatic	Rs. 10,76,990	Rs. 9,43,007	Rs. 3,37,443	Rs. 20,269

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EMI of Tata Punch Rivals – FRONX, Exter, Baleno

Tata Tiago
Rs. 4.77 Lakh
Tiago EMI Compare with Punch
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Rs. 6.90 Lakh
FRONX EMI Compare with Punch
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Rs. 5.81 Lakh
Exter EMI Compare with Punch
Tata Aeris
Rs. 5.30 Lakh
Aeris EMI Compare with Punch
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Baleno EMI Compare with Punch

Tata Punch EMI – Frequently Asked Questions

What is the starting EMI of the Tata Punch?

The Tata Punch EMI starts at ₹10,784 per month for the Smart petrol on a ₹5.02 Lakh loan at 10.5% for 60 months. Its on-road price in Delhi is ₹6.61 Lakh.

What is the minimum down payment for the Tata Punch?

About ₹1.60 Lakh for the Smart petrol in Delhi: the on-road price of ₹6.61 Lakh minus a ₹5.02 Lakh loan.

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

On a ₹5.02 Lakh loan at 10.5% for 60 months you pay ₹1.45 Lakh in interest, or ₹6.47 Lakh in total.

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

For a ₹5.02 Lakh loan at 10.5%, the EMI is ₹16,307 per month over 3 years (₹85,334 interest) and ₹8,459 per month over 7 years (₹2.09 Lakh interest).

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

Of the banks listed on this page, Bank of Baroda starts lowest at 8.7%, which makes the EMI ₹10,342 per month on a ₹5.02 Lakh loan for 60 months.

What is the EMI of the top Tata Punch variant?

The Accomplished Plus S CNG AMT costs ₹20,269 per month on a ₹9.43 Lakh loan at 10.5% for 60 months.

How is the Tata Punch 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 Q&A

Tata Punch

4.6 94 user reviews

Starts at Rs. 5.75 Lakh

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Tata Punch 2026 Brochure

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

Download Brochure

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