Generally, the documents required while purchasing a vehicle are proof of identity (Aadhar Card, Voter ID, etc), proof of address (driving license, electricity bill, etc.), and income proof (bank statement, salary certificate, etc. Exact confirmation regarding EMI, down payment, interest, loan period, and its procedure will be discussed by the bank only, as it depends upon individual eligibility. 

The waiting period for the car mainly depends on the City in which you are living. The demand for the car you are interested in among the buyers is also a key factor. If a car is popular, it might end up in a long waiting time period. Only three months is the general waiting period for all cars.

Yes, the Tata Tiago EV is a good choice for beginners. It is designed to be easy to drive much like learning to drive a regular car. The difference is that instead of gasoline, it runs on electricity, which is simpler in many ways. Electric cars often have smooth and quiet acceleration, so you don't have to worry about shifting gears or dealing with a complex engine. They usually have automatic transmissions which makes driving even easier. So, if you're new to driving or new to electric cars, the Tata Tiago EV is a user-friendly option to consider, much like starting with training wheels when learning to ride a bicycle.

The Tiago EV gets two battery pack options: 75PS/114Nm 24kWh and 61PS/105Nm 19.2kWh. The former has a claimed range of 315km, while the smaller 19.2kWh battery pack is good for a claimed range of 250km. A 7.2kW charger will juice up its batteries in three hours and 36 minutes. The smaller battery pack only gets a 3.3kW charging capacity.

In general, the down payment remains between 20-30% of the on-road price of the vehicle, and ROI varies between 9.25-11.5% and it totally depends on the CIBIL/Credit score of an individual. So, we'd suggest you walk into the nearest dealership to know the final finance quotation and documentation as they will be the better person to assist you.