Though the Tata Punch and the New Maruti Swift belong to similar price brackets, they also cater to different customers. Tata Punch offers a more rugged design due to its sporty SUV-like appearance. Maruti Swift is the first preference for those who prefer elegance and higher mileage. Despite these differences, the comparison between a used Tata Punch vs a new Maruti Swift can be of great use, especially for first-time car buyers.
The New Maruti Swift has an impeccable design and stylish interiors. It also offers a comfortable and sporty drive feel as compared to the Tata Punch. Swift offers better mileage and a responsive driving experience.
Tata Punch offers a better road presence due to its sporty and rugged design. Tata Punch may feel a bit slow to respond, especially at lower speeds. Tata Punch is more stable on uneven roads, whereas the Swift offers better agility and acceleration.
So, it is clear that both the Tata Punch vs Swift score over each other in different departments. So, the final comparison can be made on aspects like price to performance, price to value, and price to features ratio. The sections below clearly highlight these aspects of both these cars to provide you with a better picture while choosing between them.
Table of Contents
New Maruti Swift: Quick Overview
Launched in 2024, the New Maruti Swift comes with a 5-speed automatic and manual driving options. Though the dimensions of the car remain almost unchanged, it comes with a redesigned dashboard and repurposed interiors to induce a more luxurious look and feel. Its entry variant is priced at Rs. 6,49,000 (ex-showroom price), which makes it one of the most affordable hatchbacks in India.
Key Updates of New Maruti Swift
- Its main advancements include a facelift that encompasses a clamshell bonnet, new L-shaped DRLs, and a brand new front grille. LED lighting and redesigned front fascia give it a more sporty look.
- It comes with a brand new 1.2L Z-Series petrol engine
- The new car offers a fuel efficiency of up to 24 kmpl
- The higher variants come with 6 airbags
- The infotainment system now features Apple CarPlay and Android Auto (wireless) connectivity
- The new Maruti Swift comes with plush interiors that give it a premium look
- The dashboard is also re-designed with Satin Matte Silver and Piano Black accents to give it a more premium look and feel.
| Variant | Transmission | Ex-Showroon Price (in Rs.) |
| LXI | Manual | 6,49,000 |
| ZXI | Both Manual and Automatic | 8,30,000 to 8,80,000 |
| VXI | Both Manual and Automatic | 7,30,000 to 7,80,000 |
| ZXI+ | Both Manual and Automatic | 9,00,000 to 9,65,000 |
Used Tata Punch: Quick Overview
Introduced in 2021, the Tata Punch has been one of the highest-selling cars of Tata Motors since its launch. As per the official website of Tata Motors, over 5 lakh units were sold in the first 34 months after its launch. Tata Punch will also receive a facelift in 2025, which may further dilute the price of the used Tata Punch in the market.
| Launch Year | Transmission | Average Price of Used Car (In Rs.) |
| 2023 | Both Manual and Automatic | 6,70,000 to 8,25,000 |
| 2022 | Both Manual and Automatic | 6,25,000 to 7,50,000 |
New Swift vs Used Punch: Financing Comparison
As multiple variants are available in each category, let’s compare the financing options on the basis of their top variants. For convenience, we have taken the New Swift ZXI with the Used Punch Creative.
| Financing Details | New Maruti Swift ZXI | Used Tata Punch Creative |
| Downpayment | Rs. 90,000 | Rs. 80,000 |
| Loan Tenure | 5 years | 5 years |
| Principal Loan Amount | Rs. 7,40,000 | Rs. 6,50,000 |
| Rate of Interest | 9.5% | 11% |
| Interest Amount | Rs. 1,83,000 | Rs. 1,80,000 |
| Total Payable Amount | Rs. 9,23,000 | Rs. 8,30,000 |
| Difference | – | Savings – Rs. 93,000 |
Used Tata Punch vs Swift (New): Insurance Comparison
While comparing the Tata Punch vs the New Swift’s pricing, we must also take their insurance amounts into consideration. In the table below, we have provided the estimated insurance cost for 5 years of ownership of both these cars:
| Insurance Details | New Maruti Swift | Used Tata Punch |
| Total Coverage or Insured Declare Value (IDV) | Rs. 8,80,000 | Rs. 7,30,000 |
| Yearly Premium | Rs. 28,000 for the first year | Rs. 21,000 for the first year |
| Insurance Cost for 5 Years | Approximately Rs. 95,000 | |
| Difference | Saving- around Rs. 30,000 |
The IDV of a used Tata Punch is lower due to depreciation. But its insurance cost is also lower owing to its rugged build and higher safety ratings. This ensures that you save more money over a longer period than a Maruti New Swift.
Tata Punch vs Swift (New): Which Car to Choose?
Consider the following points while choosing between the used Tata Punch vs New Maruti Swift Maruti New:
- Infotainment System: The New Maruti Swift is way ahead of the Tata Punch in terms of innovative features and connectivity. Its infotainment system is better and better than that of the Tata Punch. It also offers better sound quality than its counterparts.
- Comfort: Tata Punch offers a comfortable ride quality due to its higher ground clearance and plush seating. But, if you prefer a comfortable SUV for a family, then the Tata Punch would be a better choice, even if it’s a used car.
- Drive Modes: Though the New Maruti Swift scores above the Tata Punch in terms of features, the Tata Punch offers drive modes.
- Safety: Tata Punch is also better than the New Maruti Swift in terms of safety. Its Global NCAP 5-star rating makes it a tough and reliable companion on the road. Though the New Maruti Swift offers more airbags, it does not sustain the crash test like the Tata Punch.
- Performance: Both the Tata Punch and the New Maruti Swift are similar in terms of engine capacity and transmission. However, the actual driving experience may differ due to their overall weight, dynamics, and other technical specifications. Tata Punch also comes with more boot space, and its higher ground clearance makes it a better option for uneven Indian roads.
- Price: A used Tata Punch can be quite a steal for its lower price. However, its actual price will vary as per its condition, variant, and total kilometres it has run previously. So, consider these things before choosing between a used Tata Punch vs. a new Maruti Swift.
Though the Maruti Swift comes at a lesser entry price, the used Tata Punch can be even cheaper. However, validate the condition and variant precisely before buying a used car.
Get rugged safety and value with the Tata Punch or refined modernity and fuel savings with the Swift. The final choice will be yours to make.
FAQs on Used Tata Punch vs New Maruti Swift
Q1. My budget is tight, around Rs. 8 lakh. Is the Punch a smarter pick than the Swift?
Yes, if you’re okay with a used car. At that budget, you can snag a well-kept higher variant of the Tata Punch that feels almost new and gives you SUV-like space, better road presence, and more features. But if your heart’s set on owning a fresh car with zero previous owners, the base or mid Swift might feel more satisfying. However, it does not offer that much cabin room.
Q2. Will I regret going for a used car instead of something brand new like the Swift?
A good used Punch from a reliable seller or certified source can be a great find, as it gives you more features for less money. However, you must do your due research and find out if the old and used car offers a great value for price in comparison to a new Maruti Swift.
Q3. Is Punch or Swift better if spacious interiors and family trips are amongst my top preferences?
Tata Punch is better suited for long trips and outings. It also offers more stability on shaky roads. You will also find them more spacious and comfortable.
Q4. I drive with kids in the back. Which one keeps us safer, Punch or Swift?
Hands down, the Punch. It’s built tougher and scored a full 5 stars in crash tests. That’s not a small deal. Even with airbags and modern tech, the new Swift only managed 1 star in GNCAP safety ratings. Thinking long-term and wanting that extra sense of security, especially for family rides? Then, the used Tata Punch should be your go-to car.
Q5. I’m a tech lover. Will the used Punch feel outdated compared to the Swift?
Not necessarily, but yes, the Swift does pull ahead in tech sparkle. You’ll get a bigger screen, better sound, and slicker software in the newer Swift. Yet, the Punch isn’t behind as it still gives you a decent infotainment setup, smartphone support, and even drive modes, which the Swift lacks. If your vibe is cutting-edge gadgets, you’ll prefer Swift. However, if features + value is your sweet spot, the Punch won’t disappoint you either.
