The article presents the application of a mathematical model for simulation of the swirling flow in a tube induced by loose-fit twisted tape insertion. Effects of the clearance ratio defined as ratio of clearance between the edge of tape and tube wall to tube diameter (CR = c/D = 0.0 (tight-fit), 0.1, 0.2 and 0.3) on heat transfer enhancement (Nu), friction factor (f) and thermal performance factor (ฮท) are numerically investigated for twisted tapes at two different twist ratios (y/w = 2.5 and 5.0). The simulation is conducted in order to gain an understanding of physical behavior of the thermal and fluid flow in the tube fitted with loose-fit twisted tape under constant wall temperature conditions in the turbulent flow regime for the Reynolds number ranging from 3000 to 10,000. The Navier-Stokes equation in common with a energy equation is solved using the SIMPLE technique with the standard k-ฮต turbulence model, the Renormalized Group (RNG) k-ฮต turbulence model, the standard k-ฯ turbulence model, and Shear Stress Transport (SST) k-ฯ turbulence model. The numerical results show that the predictions of heat transfer (Nu) and friction factor (f) based on the SST k-ฯ turbulence models are in better agreement with Manglik and Bergles [R.M. Manglik, A.E. Bergles, Heat transfer and pressure drop correlations for twisted-tape inserts in isothermal tubes, part II: Transition and turbulent flows, Transaction ASME, Journal of Heat Transfer, 115 (1993) 890-896.] than other turbulence models. The mean flow patterns in a tube with loose-fit twisted tapes in terms of contour plots of velocity, pathline, pressure, temperature and turbulent kinetics energy (TKE) are presented and compared with those in a tube fitted with tight-fit twisted tapes. It is visible that the twisted tape inserts for y/w = 2.5 with CR = 0.0 (tight-fit), 0.1, 0.2 and 0.3 can enhance heat transfer rates up to 73.6%, 46.6%, 17.5% and 20%, respectively and increase friction factors up to 330%, 262%, 189%, and 160%, respectively, in comparison with those of the plain tube. The tube with loose-fit twisted tape inserts with CR = 0.1, 0.2 and 0.3 provide heat transfer enhancement around 15.6%, 33.3% and 31.6% lower than those with CR = 0.0 (the tight-fit twisted tape). The heat transfer augmentation is expected to involve the swirl flow formation between the tape and a tube wall. In addition, the simulation for thermal performance factor (ฮท) of a tube with the loose-fit twisted tape and the tight-fit twisted tape under the same pumping power is also conducted, for comparison.