On-road price = ex-showroom + RTO + road tax + insurance + accessories + handling. Typically 18–25% above ex-showroom in metros. Use our city-specific bike pages for live numbers.
How much income do I need to afford a bike?+
Financial advisors recommend total monthly bike cost (EMI + fuel + insurance + service) under 15–20% of take-home income. For a ₹85,000 commuter on 36-month loan: about ₹3,500–₹4,500/mo total — needs ₹20,000+ income.
Should I buy on EMI or cash?+
Cash saves 9–15% interest over loan tenure (₹5,000–₹20,000 on a ₹1L bike). EMI makes sense only if keeping cash lets you invest at >12% returns. Use /bike-affordability-calculator to compare both.
What documents do I need for bike registration?+
Aadhaar, PAN, address proof, sale invoice (Form 21), insurance certificate, passport-size photos. RTO charges Form 23 fee + smart card fee + temporary registration. Most dealers handle this; expect 7–14 days for permanent RC.
What is the validity of bike insurance?+
New-bike insurance is mandatory for 5 years TP + 1 year OD. After year 1, OD must be renewed annually; lapse for >90 days resets your No Claim Bonus to zero.
How much does bike registration cost?+
Varies by state — 6–12% of ex-showroom for road tax + ₹300–₹800 RTO fee + Hypothecation charge if loan-financed. Maharashtra is cheapest (~6%), Delhi expensive (~10–12%).