Know the real on-road price & EMI of any bike or scooter
The ex-showroom sticker is only the start. Pick a model to see its exact on-road price — variant prices, state-wise road tax, insurance — and the monthly EMI for your down payment, rate and tenure. No TCS on two-wheelers.
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How two-wheeler on-road price & EMI work
The on-road price is what you actually pay to ride a bike home: the ex-showroom price plus road tax, first-year insurance, and registration charges. Unlike cars above ₹10 lakh, two-wheelers are not subject to TCS under Section 206C(1F) — so every rupee on the sticker goes directly into the on-road breakdown. The single biggest variable is road tax, which each state sets differently — from 4% in Gujarat to 11–13% in Maharashtra and Karnataka — meaning the same bike can cost ₹5,000–₹20,000 more on-road in one state versus another.
Your EMI is calculated on the financed amount (on-road price minus your down payment) using the reducing-balance formula. Most banks offer two-wheeler loans for 1–5 years at 9–15% p.a. A larger down payment and shorter tenure both reduce total interest significantly. Use the EMI calculator to model your loan, the prepayment calculator to see how part-payments shrink interest, and the loan rates page to compare current two-wheeler loan rates across banks before you buy.
Frequently Asked Questions
What is the on-road price of a two-wheeler in India?
The on-road price is the ex-showroom price plus road tax (RTO), first-year comprehensive insurance, and registration charges (smart card, FASTag). Unlike cars, two-wheelers are not subject to the 1% TCS under Section 206C(1F). The on-road price is typically 10–20% above the ex-showroom price.
How much road tax do I pay on a bike in India?
Two-wheeler road tax is set by each state and is lower than car road tax. It ranges from about 4% in Gujarat to 11–13% in Maharashtra and Karnataka. Delhi imposes a slab-based rate of 4–10% depending on the ex-showroom price of the bike.
How is a two-wheeler loan EMI calculated?
Two-wheeler EMIs use the reducing-balance formula: EMI = P×r×(1+r)^n / ((1+r)^n−1), where P is the loan amount, r the monthly interest rate and n the number of months. Banks typically offer bike loans for 1–5 years at 9–15% p.a. Use the calculator on each model page to compute your EMI.
Is TCS applicable on two-wheelers?
No. TCS under Section 206C(1F) at 1% applies only to motor vehicles (cars) with a sale value exceeding ₹10 lakh. Two-wheelers — motorcycles and scooters — are not covered, so no TCS is charged regardless of ex-showroom price.
Which state has the lowest road tax for two-wheelers?
Gujarat has the lowest flat rate at about 4%, making it one of the cheapest states for two-wheeler registration. Delhi also has a low entry slab (4% for bikes up to ₹25,000), though it rises to 8–10% for mid-range and premium bikes. Maharashtra and Karnataka are relatively higher at 11–13%.