The Tata Punch is making a solid mark in India’s compact SUV segment. With a five-star Global NCAP safety rating and a price tag that suits budget-conscious buyers, it’s a top pick for those wanting a strong, affordable ride.
If you’re eyeing the Adventure Rhythm variant, here’s some good news—you can bring it home with just a ₹1 lakh down payment. But what about the EMI? Let’s break it down based on different loan durations and interest rates.
Pricing
Tata Punch is offered in 31 different variants, covering a wide price range. The entry-level model starts at ₹6.20 lakh (ex-showroom), while the top-end variant is priced at ₹10.32 lakh.
The Adventure Rhythm Petrol variant is among the most popular and strikes the perfect balance between affordability and features. Its ex-showroom price is ₹8.52 lakh.
Loan
If you choose to buy the Adventure Rhythm version with a ₹1 lakh down payment, you’d need a loan of around ₹7.67 lakh. Your monthly EMI depends on factors like:
- Interest rate (usually 8.5%–10.5%)
- Loan duration (4–7 years)
- Your credit score
It’s smart to compare loan offers from different banks before making a decision. Even a 0.5% change in interest rate can make a big difference over time.
EMI Table
Here’s a clear breakdown of how the EMI changes depending on the loan term, assuming a ₹7.67 lakh loan at a 9% annual interest rate:
| Loan Tenure | Monthly EMI (Approx.) | Total Interest Payable |
|---|---|---|
| 4 Years | ₹19,000 | ₹1.45 lakh |
| 5 Years | ₹16,000 | ₹1.93 lakh |
| 6 Years | ₹13,800 | ₹2.33 lakh |
| 7 Years | ₹12,400 | ₹2.72 lakh |
As you can see, longer tenure means a lower monthly EMI—but also a higher total interest outgo.
Factors
Before finalizing a loan, keep the following in mind:
Check Credit Score
Your credit score affects the interest rate you’re offered. A higher score means better loan terms.
Compare Bank Offers
Never settle for the first deal. Banks compete for auto loans, and you can use this to your advantage by negotiating terms.
Read the Fine Print
Check for hidden charges like processing fees, foreclosure penalties, and late payment penalties.
Choose Tenure Wisely
Don’t just go for the lowest EMI. Consider your monthly income and how much interest you’re comfortable paying overall.
Safety
Tata Punch is not just affordable—it’s also one of the safest cars in its class. Its strong build and five-star safety rating make it a great option for first-time SUV buyers or families wanting peace of mind without stretching the budget.
Tata Punch Adventure Rhythm can be yours with just ₹1 lakh down. With flexible EMI plans available for 4 to 7 years, you can easily choose what suits your budget best.
Whether you want a shorter loan with less interest or a longer one with easier monthly payments, there’s an option for you.
Just be sure to do your homework—shop around for the best rates, check your credit score, and always read the fine print. Your road to owning a Tata Punch could be just a few steps away.
FAQs
What is the price of Tata Punch Adventure Rhythm?
The ex-showroom price is ₹8.52 lakh.
Can I buy Tata Punch with ₹1 lakh down?
Yes, the rest can be financed via loan.
What’s the EMI for a 5-year loan?
Roughly ₹16,000 per month at 9% interest.
Is Tata Punch a safe car?
Yes, it has a 5-star Global NCAP safety rating.
Does loan tenure affect total interest?
Yes, longer tenure means more total interest paid.
