How is car EMI calculated?

Car EMI is calculated from the loan amount, interest rate and loan tenure after subtracting the down payment from the selected car price.

Can I calculate car running cost with EMI?

Yes, the CarWyapar EMI calculator can estimate EMI, fuel cost and maintenance to show an approximate monthly expense.

Car EMI Planner

A car is a big financial investment. CarWyapar offers a free EMI planner and monthly expense calculator for you to find the best car in your budget.

Tata Punch Ev 2024 2026 Punch EV Empowered S (Discontinued-25) EMI

ElectricFuel Type

12.6 Km/KwhFuel Efficiency

25 kWhBattery Capacity

Price Breakup

New Delhi

Ex-Showroom Price:₹12,84,000

RTO:₹6,420

Insurance:₹35,310

Others:₹12,840

On-Road Price:₹13,38,570

EMI

Down Payment Amount ₹ 1,33,857

Interest Rate 8.1%

Tenure 5 Years

Running Cost

Electric Price ₹7.7/kWh

Monthly Running 750 KMs

Monthly Maintenance ₹620

Total Monthly Expense

₹25,563/Month

Loan Amount Breakdown

Downpayment₹1,33,857

RTO New Delhi₹6,420

Insurance₹35,310

Loan Amount₹12,04,713

Your estimated EMI is ₹24,485 per month for 60 installments over 5 years. Total interest payable is approximately ₹2,64,383.

EMI Recommendation

Your Monthly Take Home Income in ₹

Very RiskyYour monthly EMI will be around ₹24,485, which is about 48.97% of your monthly take home salary. Financing the Tata Punch Ev 2024 2026 Punch EV Empowered S (Discontinued-25) at this level could place considerable pressure on your monthly budget. Consider a higher down payment, longer tenure, or a more affordable model.

Value after 5 Years

Time Period5 Years

Kilometers75,000 KMs

ConditionGood

Value after 5 Years