Tata Motors launches special year-end EMI schemes starting at Rs. 4,999. Check model-wise EMI offers for ICE and EV cars valid till Dec 31, 2025.
Tata Motors Announces Special Year-End EMI Schemes Starting at Rs. 4,999
Tata Motors Passenger Vehicles has announced limited-period year-end EMI schemes for December 2025, aimed at making car ownership more affordable for buyers planning to purchase before the end of the year. Under this special offer, monthly EMIs start as low as Rs. 4,999, covering a wide range of Tata’s petrol, diesel and electric vehicles.
The scheme applies to most models in Tata Motors’ current lineup and is designed to attract first-time buyers as well as customers looking to upgrade their vehicles. However, the offers are valid only till 31 December 2025 and are subject to approval by the respective financing partners.
Tata Tiago Becomes the Most Affordable Entry Point
Under the new EMI scheme, the Tata Tiago becomes the most affordable way to enter Tata’s passenger vehicle range, with monthly instalments starting at Rs. 4,999. This makes the Tiago an attractive option for buyers looking for a budget-friendly hatchback with low monthly ownership costs.
The Tiago has remained popular for its compact size, fuel efficiency and strong safety reputation, and the new EMI offer further improves its value proposition for city buyers and first-time car owners.
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Attractive EMI Options for Tata’s ICE Models
In addition to the Tiago, several other internal combustion engine (ICE) models are included in the December EMI offers. These plans cover both petrol and diesel variants across Tata’s hatchback, SUV and crossover range.
Here is a quick look at the starting EMI figures for Tata’s ICE models:
- Tata Tiago: Rs. 4,999 per month
- Tata Tigor: Rs. 5,999 per month
- Tata Punch: Rs. 5,999 per month
- Tata Altroz: Rs. 6,777 per month
- Tata Nexon: Rs. 7,666 per month
- Tata Curvv: Rs. 9,999 per month
These EMI plans make Tata’s popular models more accessible to a wider group of buyers, especially those looking to manage their expenses with lower monthly payments.
Electric Vehicles Also Covered Under EMI Offers
Tata Motors has also included its electric vehicle lineup under the special December 2025 EMI schemes. This move is likely to attract buyers who are considering a switch to electric mobility but are concerned about upfront costs.
The starting EMIs for Tata EVs under the scheme are as follows:
- Tata Tiago EV: Rs. 5,999 per month
- Tata Punch EV: Rs. 7,999 per month
- Tata Nexon EV: Rs. 10,999 per month
- Tata Curvv EV: Rs. 14,555 per month
With these offers, Tata Motors aims to make EV ownership more approachable while supporting the growing adoption of electric vehicles in India.
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How the EMI Schemes Work
The EMI figures announced by Tata Motors are based on specific loan structures and repayment plans. For ICE models, the offers are linked to balloon financing options, where buyers pay lower monthly EMIs by deferring a portion of the loan amount.
Key details include:
- Balloon financing of 25% or 30%
- Loan tenure of up to 84 months (7 years) for ICE vehicles
For electric vehicles, Tata Motors is offering longer repayment periods, with loan tenures extending up to 10 years, helping reduce monthly instalments.
It is important to note that final EMI amounts may vary depending on:
- Selected vehicle variant
- On-road price in the buyer’s city
- Down payment amount
- Credit profile and loan approval
Customers are advised to check exact EMI details at authorised Tata Motors dealerships.
Models Not Included in the EMI Scheme
While most of Tata’s lineup benefits from the year-end EMI offers, some models are excluded. These include:
- The newly launched next-generation Sierra
- Harrier EV
- Harrier (ICE)
- Safari
Buyers interested in these models will need to explore regular financing options, as the special EMI schemes do not apply to them.
Additional Discounts on Tata ICE Vehicles
Apart from the low-EMI offers, Tata Motors is also providing additional discounts and benefits on its ICE portfolio in December 2025. Depending on the model and variant, total benefits range from Rs. 25,000 to Rs. 1 lakh.
These discounts further enhance the overall value for customers looking to close deals before the year ends.
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Strong Demand for the New Tata Sierra
Tata Motors has also seen strong interest in its upcoming products. The new-generation Tata Sierra, which is based on the new Argos platform, has received over 70,000 bookings within 24 hours of reservations opening.
The Sierra is currently available with:
- 1.5-litre naturally aspirated petrol engine
- 1.5-litre turbo-petrol engine
- 1.5-litre diesel engine
An electric version of the Sierra is expected to be launched next year, expanding Tata’s EV portfolio further.
Where to Avail the Year-End EMI Offers
Interested customers can:
- Visit their nearest Tata Motors Passenger Vehicle showroom
- Check official details on Tata Motors’ website
Since the offers are valid only until 31 December 2025, buyers are encouraged to act quickly to take advantage of these year-end benefits.
Conclusion
Tata Motors’ year-end EMI schemes starting at Rs. 4,999 make December 2025 a good time for buyers planning to purchase a new car. With attractive EMI options across petrol, diesel and electric vehicles, along with additional discounts on ICE models, Tata Motors is clearly targeting strong year-end sales.
Whether it is the affordable Tiago, the popular Nexon, or Tata’s expanding EV lineup, the new EMI schemes offer flexible and budget-friendly ownership options. However, since the offers are time-limited and subject to financing approval, interested buyers should check details soon to avoid missing out.