Tata Punch EMI calculator
Calculate the Tata Punch EMI on the on-road price, not the ex-showroom price: on-road is the full amount you actually pay, and the amount a loan has to cover.
EMIs start from about ₹10,290 a month, for the Smart Petrol MT at ₹6.12 lakh on the road in Delhi.
At 9.5% a year over 5 years with 20% down. Every variant's figure is below, and each one moves with your own rate, tenure and down payment.
This starts on the full on-road price in Delhi, with road tax, registration and insurance included. Drag it to the variant you want.
Rates differ by lender and credit record. Drag this to the rate your bank actually quotes you.
- Amount financed
- ₹4,89,872
- Interest over 5 years
- ₹1,27,528
- Total paid, down payment included
- ₹7,39,868
Year-by-year scheduleHow each year's payments split between interest and the loan
2026₹12,871₹7,705₹4,77,001
2027₹81,638₹41,821₹3,95,364
2028₹89,740₹33,719₹3,05,624
2029₹98,646₹24,812₹2,06,978
2030₹1,08,437₹15,022₹98,541
2031₹98,540₹4,342₹0
Arithmetic on your inputs, not a loan offer: lenders set their own rates, fees and margins, and the quote that matters is theirs.
The price slider spans the Tata Punch's own range. Open a variant below and this calculator arrives with that variant's exact price already in place, on-road for your city.
EMI for every Tata Punch variant
On-road price in Delhi and the monthly figure at 9.5% a year over 5 years with 20% down. Starting points, not quotes: the calculator recomputes them the moment you set your own numbers.
Your road tax depends on where you register. and every figure on this page moves to yours.
| Variant | On-road in Delhi | EMI a month |
|---|---|---|
| Smart Petrol MT | ₹6.12 lakh | about ₹10,290 |
| Pure Petrol MT | ₹7.26 lakh | about ₹12,200 |
| Smart CNG MT | ₹7.47 lakh | about ₹12,560 |
| Pure Plus Petrol MT | ₹7.82 lakh | about ₹13,130 |
| Pure Plus S Petrol MT | ₹8.19 lakh | about ₹13,760 |
| Pure CNG MT | ₹8.36 lakh | about ₹14,050 |
| Pure Plus Petrol AT | ₹8.44 lakh | about ₹14,170 |
| Adventure Petrol MT | ₹8.46 lakh | about ₹14,210 |
| Pure Plus S Petrol AT | ₹8.81 lakh | about ₹14,800 |
| Adventure S Petrol MT | ₹8.83 lakh | about ₹14,840 |
| Pure Plus CNG MT | ₹8.92 lakh | about ₹14,980 |
| Adventure Petrol AT | ₹9.08 lakh | about ₹15,250 |
| Accomplished Petrol MT | ₹9.21 lakh | about ₹15,470 |
| Adventure Turbo Petrol MT | ₹9.21 lakh | about ₹15,470 |
| Pure Plus S CNG MT | ₹9.29 lakh | about ₹15,610 |
| Pure Plus CNG AT | ₹9.53 lakh | about ₹16,010 |
| Adventure CNG MT | ₹9.56 lakh | about ₹16,060 |
| Accomplished Petrol AT | ₹9.83 lakh | about ₹16,510 |
| Adventure S CNG MT | ₹9.93 lakh | about ₹16,690 |
| Accomplished Plus S Petrol MT | ₹9.96 lakh | about ₹16,730 |
| Adventure CNG AT | ₹10.17 lakh | about ₹17,090 |
| Accomplished CNG MT | ₹10.31 lakh | about ₹17,320 |
| Adventure S CNG AT | ₹10.54 lakh | about ₹17,720 |
| Accomplished Plus S Petrol AT | ₹10.58 lakh | about ₹17,770 |
| Accomplished Plus S Turbo Petrol MT | ₹10.81 lakh | about ₹18,160 |
| Accomplished Plus S CNG AT | ₹12.10 lakh | about ₹20,330 |
What goes into the on-road total? The Tata Punch on-road price page itemises it, state by state. And which Punch variant to buy says where the money works hardest.
The Punch ladder, a month at a time
Seven of the 26 variants, spread up the ladder; the table above has every one.
- Smart Petrol MT₹10,290
- Pure Plus S Petrol MT₹13,760
- Pure Plus S Petrol AT₹14,800
- Adventure Turbo Petrol MT₹15,470
- Accomplished Petrol AT₹16,510
- Accomplished CNG MT₹17,320
- Accomplished Plus S CNG AT₹20,330
Worth knowing before you sign the loan
- From ₹10,290 to ₹20,330 a month across the ladder: the Accomplished Plus S CNG AT costs ₹10,040 a month more than the Smart Petrol MT, ₹6,02,400 over the 5 years.
- The biggest jump between neighbours on the ladder is the Accomplished Plus S Turbo Petrol MT to the Accomplished Plus S CNG AT: ₹2,170 a month more for that one move up.
- On the road in Delhi rather than ex-showroom, the Smart Petrol MT's instalment is ₹10,290 a month instead of ₹9,660: ₹630 a month more, because road tax and registration are in the loan too.
What your monthly budget buys
Shopping on the instalment rather than the price? At 9.5% a year over 5 years with 20% down on the on-road price in Delhi, here is the variant each monthly budget reaches.
- About ₹12,000 a monthreaches theSmart Petrol MTat about ₹10,290
- About ₹14,000 a monthreaches thePure Plus S Petrol MTat about ₹13,760
- About ₹16,000 a monthreaches thePure Plus S CNG MTat about ₹15,610
- About ₹18,000 a monthreaches theAccomplished Plus S Petrol ATat about ₹17,770
The top Accomplished Plus S CNG AT needs about ₹20,330 a month.
Tata Punch EMI, answered
The monthly figure, the down payment, and which price to finance.
- What is the monthly EMI for the Tata Punch?
- From about ₹10,290 a month, up to about ₹20,330 on the top variant, at 9.5% a year over 5 years with 20% down on the on-road price in Delhi. These are starting points, not quotes: your bank's rate and your own down payment move the figure, and the calculator on this page recomputes it as you set them.
- Which Tata Punch variant fits my monthly budget?
- At 9.5% a year over 5 years with 20% down on the on-road price in Delhi, the Smart Petrol MT is the way in at about ₹10,290 a month. From there about ₹14,000 a month reaches the Pure Plus S Petrol MT, about ₹16,000 a month reaches the Pure Plus S CNG MT, about ₹18,000 a month reaches the Accomplished Plus S Petrol AT, and the top Accomplished Plus S CNG AT needs about ₹20,330. Treat those as starting points rather than quotes: your own rate, tenure and down payment move every one of them, and stretching the tenure brings a dearer variant inside the same instalment at the cost of more interest overall.
- How much down payment does the Tata Punch need?
- At 20% down on the on-road price in Delhi, the upfront amount runs from ₹1,22,468 on the Smart Petrol MT to ₹2,41,962 on the Accomplished Plus S CNG AT. That share is yours to choose: the calculator accepts anything from 0% to 90%, and a bigger down payment trades cash today for a smaller EMI every month.
- Should the Tata Punch EMI be on the ex-showroom or the on-road price?
- On-road. Ex-showroom leaves out road tax, registration and insurance, which is real money a loan usually has to cover, so every figure on this page is on the on-road price in Delhi. The city in the header decides which city that is.
Looking at a different car? The car loan EMI calculator works with any price, and the Tata Punch page holds every variant, each carrying it pre-filled.