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Tata Punch EV EMI Calculator

Tata Punch EV price in India starts at ₹9.69 Lakhs* and extends up to ₹12.59 Lakhs*, ex-showroom. The Punch EV EMI starts at ₹16,459 per month for a tenure of 5 years at 8.7% for a loan amount of ₹7.98 Lakh. The EMI Calculator tool on CarLelo gives you a detailed breakdown of the total payable amount, including Principal and Interest, and helps you to find best car finance for your Punch EV.

Tata Punch EV

₹9.69 - ₹12.59 Lakhs**

Calculate Your Car Loan EMI for Tata Punch EV

Thinking about buying a new car? Our easy-to-use car loan EMI calculator instantly gives the monthly EMI you would be required to pay based on the loan amount, the loan term and interest rate.

20%
0
20
40
60
80
100
8.7%
7.5
11.0
14.5
18.0
21.5
25.0

Monthly Repayment (EMI)*

₹16,458

On Road Price in Delhi

₹9.98 Lakh

Down Payment

₹2.00 Lakh

Loan Amount

₹7.98 Lakh

Interest Amount

₹1.89 Lakh

For a loan of the principal amount of ₹7,98,456 over 60 months at 8.70% p.a., your monthly EMI will be ₹16,458. You will pay ₹1,89,024 in interest over the full tenure. Your total payable amount will be ₹9,87,480.

*The rate mentioned in the calculator is an indicative rate only. The actual rate may vary.

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Tata Punch EV Price in India (Variant Price List)

Tata Punch EV is available in 6 variants, including Smart Plus, Smart, Adventure, Empowered, etc.. The most affordable variant of the Punch EV is Smart, which is priced at ₹9.69 Lakhs*. Empowered Plus S is the most expensive variant of the Tata Punch EV, which is tagged at ₹12.59 Lakhs*, ex-showroom.

Variant
Ex-showroom Price

Punch EV Smart

87 bhp,  

Automatic,  

Electric,  

260-275 km

₹9.69 Lakhs*

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Punch EV Smart Plus

87 bhp,  

Automatic,  

Electric,  

260-275 km

₹10.29 Lakhs*

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Punch EV Smart Plus 40kWh

127 bhp,  

Automatic,  

Electric,  

355 Km

₹10.89 Lakhs*

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Punch EV Adventure

127 bhp,  

Automatic,  

Electric,  

355 km

₹11.59 Lakhs*

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Punch EV Empowered

127 bhp,  

Automatic,  

Electric,  

355 km

₹12.29 Lakhs*

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Punch EV Empowered Plus S

127 bhp,  

Automatic,  

Electric,  

421 km

₹12.59 Lakhs*

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Tata Punch EV Car Loan EMI FAQs

Here are Punch EV FAQs and answers on city-wise price, specifications, features, and others.

The Punch EV EMI starts at ₹16,459 per month for the Smart variant, based on a ₹7.98 Lakh loan at 8.7% for 5 years. For your information, the EMI changes with your variant, down payment and city.
The minimum down payment for the Punch EV Smart is ₹99,807 on an on-road price of ₹9,98,070 in Delhi. The down payment is calculated if your bank funds up to 90% of the on-road price of the Punch EV. As a reminder, a few banks offer up to 100% finance option to buyers.
A Rs 1 lakh down payment on the Punch EV Smart gives an EMI of ₹18,512 for 5 years at 8.7%. With Rs 2 lakh down, EMI is about ₹16,451; with Rs 3 lakh down, EMI is about ₹14,389 (same rate and tenure, indicative on-road price for Smart in Delhi).
The Punch EV Smart has the lowest EMI at ₹12,725, and the Empowered Plus S has the highest at ₹16,534 (7 years, same rate and tenure). The EMI gap between Smart and Empowered Plus S is ₹3,809 per month.
Yes, because the EMI is calculated based on the variant's price. For example, the Smart is priced at ₹9,98,070 in Delhi, while the Empowered Plus S is priced at ₹12,96,770 in Delhi.
The on-road price is the ex-showroom price plus RTO, insurance and other charges. The on-road price of the Punch EV Smart in Delhi is ₹9,98,070. Most banks finance up to 90%, and some offer complete funding based on the individual profile.
Most banks will lend up to cover the full on-road price of the car, which includes registration fees and first-year insurance. However, it solely depends on the bank you choose. For including extra car accessories in your loan, the details must be listed on the official car bill from the dealer. We suggest you check and confirm these details with the bank before paying the booking amount.
If you take a loan of ₹7.98 Lakh at 8.7% for 5 years, the total interest you will pay is ₹1,89,084. The total repayment is ₹9,87,540. A shorter tenure, around 3 years, reduces the interest significantly.
Longer tenure lowers your monthly EMI but increases the total interest. Shorter tenures lower your interest significantly. Punch EV loan comparison (Smart, 8.7% p.a., 80% LTV): • 3 years — EMI ₹25,279/month, total interest ₹1,11,588 • 5 years — EMI ₹16,459/month, total interest ₹1,89,084 • 7 years — EMI ₹12,725/month, total interest ₹2,70,444 We suggest you opt for the shortest tenure whose EMI fits comfortably within your budget.
Interest rates for a new Punch EV loan currently start from 7.5% and go up to 17.5% per year, depending on the lender, your credit score, income and tenure.
There is no single official cut-off, but a credit score of 750 or above generally improves approval chances and rates. Lower scores can also qualify at higher interest.
To get a car loan, you need ID and address proof, PAN, bank statements, and income proof (salary slips or Form 16 for salaried applicants, ITR for self-employed).
Yes, some lenders offer 100% funding for strong profiles. A higher loan means a higher EMI and more interest. We suggest you buy a new car with at least 10–20% down payment.
At CarLelo, you can get car loans from 14 lending banks, including HDFC Bank, ICICI Bank, Axis Bank, Bank of Baroda, and more. You can choose the option that works best for you.
Rates vary by profile and lender. Indicative rates on CarLelo start from 7.5% p.a.; the final rate depends on your profile and credit score.
Choose your variant and city, enter your details and apply for a loan at CarLelo. Our representative will reach out to you for complete documentation. Approvals are mainly done within a couple of days, but timelines vary by lender and your CIBIL score.
Most banks allow customers to make part-payment or foreclose, and some charge a fee on the amount prepaid (mostly in the early years). Prepaying your car loan reduces outstanding principal and cuts total interest.
Banks charge a late fee and report missed payments to credit bureaus, which will impact your CIBIL score. If you are facing any issue, it is advised to contact your lender early. After the complete payment or last EMI, do not forget to collect the NOC and get hypothecation removed from the RC.
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