Tata Punch has emerged as one of the most popular micro SUVs in the Indian market. With its bold design, strong build quality, impressive mileage, and affordable pricing, it’s become a favourite choice among budget-conscious buyers. If you’re also planning to bring home a Tata Punch and can arrange a down payment of ₹50,000, here’s a complete breakdown of the EMI, loan amount, total cost, and other key details.
1. On-Road Price of Tata Punch (Delhi)
The base variant of the Tata Punch, Pure MT, is the most budget-friendly. While the ex-showroom price is ₹6 lakh, the on-road price includes additional charges like RTO, insurance, and handling fees.
| Component | Amount (₹) |
|---|---|
| Ex-showroom Price | 6,00,000 |
| RTO Charges | 31,367 |
| Insurance | 30,932 |
| Other Charges (Handling, etc.) | 2,000 |
| Total On-Road Price | 6,62,299 |
2. Loan Amount After ₹50,000 Down Payment
If you pay ₹50,000 upfront, the remaining amount is covered through a car loan.
- On-road Price: ₹6,62,299
- Down Payment: ₹50,000
- Loan Amount Required: ₹6,12,299
3. EMI Calculation at 9% Interest Rate (Assumed)
Assuming a good credit score (700+), you may get a car loan at an interest rate of around 9% per annum. Here’s the estimated EMI based on different loan tenures:
| Loan Tenure | Monthly EMI (₹) | Total Interest (₹) | Total Repayment (₹) |
|---|---|---|---|
| 3 years (36 months) | 19,470 | 88,821 | 7,01,120 |
| 5 years (60 months) | 12,710 | 1,50,601 | 7,62,900 |
| 7 years (84 months) | 9,860 | 2,16,340 | 8,28,640 |
4. Which EMI Option is Best for You?
- Choose 3 or 5 years tenure if you want to pay off your loan faster and save on interest.
- Opt for a 7-year tenure if your budget is tight and you’d prefer a lower monthly EMI.
5. Key Features of Tata Punch
Tata Punch offers solid performance and top-tier safety, making it ideal for city and semi-urban driving.
Engine & Mileage:
- 1.2L Petrol Engine (86 bhp, 113 Nm torque)
- Mileage: 18-20 kmpl (ARAI certified)
Top Features:
- 7-inch touchscreen infotainment system
- Harman speakers
- Dual airbags, ABS, rear parking sensors
- Strong build quality (5-star GNCAP safety rating)
6. Total Cost of Buying Tata Punch
If you go with a 5-year loan:
- Down Payment: ₹50,000
- EMI Total (5 years): ₹7,62,900
- Total Cost = ₹8,12,900
That means a car priced at ₹6.62 lakh will cost you around ₹8.12 lakh over 5 years, including interest.
Is Buying the Tata Punch Worth It?
Absolutely! If you’re looking for a safe, stylish, and budget-friendly micro SUV, the Tata Punch is a smart choice. It’s especially great for first-time car buyers who want performance, mileage, and safety without breaking the bank.
With a ₹50,000 down payment, you can take home the Tata Punch Pure MT by paying an EMI of:
- ₹12,710/month for 5 years
- Or ₹9,860/month for 7 years
While longer tenures lower your EMI, they increase the total interest paid. So choose wisely based on your financial comfort.
Disclaimer: This article is based on general information. Assess your personal financial situation before making any purchase. The information given in this article is for general information purposes only. The EMI calculations, loan interest rates and on-road prices given here are approximate, which may vary depending on the bank/finance company, state RTO rules and changes from time to time. Get accurate information from the official dealer or finance provider before buying any vehicle.
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