Bajaj Avenger Street 220 EMI & On-Road Price 2026 — State Tax, Monthly EMI
Bajaj Avenger Street 220 on road price 2026 is ₹1,65,202 in Delhi. See state road tax and EMIs from ₹2,841/month.
Key Takeaways
- The Bajaj Avenger Street 220 on-road price in Delhi is ₹1,65,202 (ex-showroom ₹1,41,893 + 8% road tax + OD insurance + 5-year third-party insurance + registration).
- A 3-year loan at 10.5% with 20% down payment gives a monthly EMI of ₹4,296 on a loan of ₹1,32,162.
- Choosing a 2-year tenure over 5 years saves ₹23,364 in total interest — a substantial saving for a cruiser in this price range.
- No TCS applies on two-wheelers. Section 206C(1F) covers only motor vehicles above ₹10 lakh in purchase value.
The Bajaj Avenger Street 220 occupies a unique position in the Indian motorcycle market — it delivers a genuine cruiser riding posture, low seat height, and long-wheelbase stability at a price point well below the Royal Enfield segment. The 220cc DTS-i engine provides smooth, linear power suited to highway touring as much as city commuting. For buyers who want the cruiser experience without the ₹2 lakh+ investment required for Royal Enfield, the Avenger 220 is the natural choice. This guide covers the complete on-road cost across 10 states and tables EMI scenarios for different down payments and tenures. Ex-showroom prices were verified in June 2026 (Delhi reference).
Bajaj Avenger Street 220
India's accessible cruiser — 220cc DTS-i engine, low seat height, long-distance comfort.
On-Road Price & EMI Calculator
Pick your variant and state to see the on-road breakdown and monthly EMI.
Interest is 17% of the amount you borrow over 3 years. A bigger down payment or shorter tenure reduces it.
Buttons carry your current loan amount, rate and tenure into the full calculators.
Estimates only. Road-tax slabs (as of June 2026), insurance and dealer charges vary — confirm the final on-road price with your RTO and an authorised dealer.
Results are indicative only. Actual EMI may vary based on your lender's rounding method, processing date, stub-period interest, and applicable fees. Always verify with your bank or NBFC before making a financial decision. See our disclaimer for full details.
Bajaj Avenger Street 220 — On-Road Price (2026)
The Avenger Street 220 is offered as a single variant. On-road Delhi applies 8% road tax (₹60,001–₹2,00,000 slab), IRDAI-mandated 5-year third-party insurance plus 1-year own-damage insurance at ~1.5% of ex-showroom, and ₹3,000 registration.
| Specification | Value |
|---|---|
| Ex-Showroom (Delhi) | ₹1,41,893 |
| On-Road Price (Delhi) | ₹1,65,202 |
| Engine | 220cc DTS-i, Single Cylinder, Air-cooled |
| Fuel Economy (claimed) | 40 km/l |
| Seat Height | 705 mm |
What Goes Into the On-Road Price
For the Avenger Street 220 at ₹1,41,893 ex-showroom (Delhi reference):
Under IRDAI regulations effective September 2018, all new two-wheelers must carry 5-year third-party insurance upfront at purchase, plus a 1-year own-damage policy renewed annually.
| Component | Amount | Basis |
|---|---|---|
| Ex-Showroom Price | ₹1,41,893 | Manufacturer price |
| Road Tax (8%) | ₹11,351 | Delhi slab: ₹60,001–₹2,00,000 |
| Own Damage (1yr, ~1.5%) | ₹2,128 | ~1.5% of ex-showroom (varies by insurer) |
| Third Party (5yr mandatory) | ₹6,830 | IRDAI-fixed: >150cc–350cc (5yr total) |
| Registration + Smart Card | ₹3,000 | Flat RTO charge |
| TCS (Sec 206C(1F)) | Nil | Not applicable on two-wheelers |
| On-Road Price | ₹1,65,202 | Total |
The 220cc engine crosses IRDAI's 150cc slab threshold, so TP insurance costs ₹6,830 (5yr) versus ₹3,570 for bikes at or below 150cc. This is a fixed, IRDAI-regulated cost that no dealer can alter. The OD premium of ₹2,128 is renewable annually from Year 2, and a no-claim bonus (20% in Year 2) can reduce it meaningfully.
How State Road Tax Varies by State
Below are 2026 road tax rates for the Avenger Street 220 (ex-showroom ₹1,41,893) across 10 states:
| State | Road Tax Rate | Road Tax Amount | On-Road Price |
|---|---|---|---|
| Gujarat | 4% (flat) | ₹5,676 | ₹1,59,527 |
| Rajasthan | 8% (≤₹2L) | ₹11,351 | ₹1,65,202 |
| West Bengal | 8% (≤₹2L) | ₹11,351 | ₹1,65,202 |
| Delhi | 8% (₹60K–₹2L) | ₹11,351 | ₹1,65,202 |
| Uttar Pradesh | 8% (flat) | ₹11,351 | ₹1,65,202 |
| Tamil Nadu | 8% (≤₹2L) + ₹500 safety tax | ₹11,851 | ₹1,68,540 (incl. ₹500 safety tax) |
| Kerala | 11% (>₹1L) + ₹200 cess | ₹15,808 | ₹1,69,659 |
| Maharashtra | 11% (flat) | ₹15,608 | ₹1,69,459 |
| Telangana | 12% (flat) | ₹17,027 | ₹1,70,878 |
| Karnataka | 13% (>₹1L) + 11% cess on tax | ₹20,480 | ₹1,74,326 (incl. cess) |
Gujarat saves ₹5,675 in road tax compared to Delhi — a meaningful amount at this price point. Karnataka's effective rate pushes the on-road price to ₹1,74,326, some ₹14,799 more than Gujarat. Tamil Nadu's ₹500 road-safety tax is a flat levy on all newly registered motorised vehicles.
Bajaj Avenger Street 220 EMI by Loan Tenure
Base scenario: 20% down payment (₹33,040), loan amount ₹1,32,162, at 10.5% p.a. Plug in your own numbers with the car loan EMI calculator.
| Tenure | Monthly EMI | Total Interest | Total Amount Paid |
|---|---|---|---|
| 2 Years (24 months) | ₹6,129 | ₹14,934 | ₹1,47,096 |
| 3 Years (36 months) | ₹4,296 | ₹22,494 | ₹1,54,656 |
| 5 Years (60 months) | ₹2,841 | ₹38,298 | ₹1,70,460 |
The 5-year total interest of ₹38,298 is 29% of the loan amount — keeping the loan at 3 years saves ₹15,804 vs 5 years. Choosing the 2-year option saves ₹23,364 vs 5 years and clears the debt before a potential resale. The Avenger 220's target buyer — someone who values the cruiser lifestyle without premium pricing — typically benefits most from the shorter tenure.
Down Payment Impact
For the Avenger Street 220 (on-road ₹1,65,202), 3-year tenure at 10.5%:
| Down Payment | Down Amount | Loan Amount | Monthly EMI | Total Interest |
|---|---|---|---|---|
| 10% | ₹16,520 | ₹1,48,682 | ₹4,833 | ₹25,306 |
| 20% | ₹33,040 | ₹1,32,162 | ₹4,296 | ₹22,494 |
| 30% | ₹49,561 | ₹1,15,641 | ₹3,759 | ₹19,683 |
A 30% down payment (₹49,561) saves ₹5,623 in interest and cuts the monthly EMI by ₹1,074 versus 10% down. For the Avenger 220, having ₹49,561 in savings before buying is realistic for someone saving for 6–8 months. Use the prepayment calculator to model how additional lump-sum payments reduce the loan faster.
Running & Ownership Costs
| Cost Item | Estimate | Frequency |
|---|---|---|
| Fuel (50 km/day, 38 kmpl) | ₹1,800–₹2,400 | Monthly |
| Engine oil change | ₹600–₹900 | Every 3,000 km |
| Periodic service (Bajaj service) | ₹1,000–₹1,600 | Every 6 months |
| Tyre replacement | ₹3,500–₹5,500 | Every 3–4 years |
| Third-party renewal (Year 2+) | ₹1,100–₹1,400 | Annual |
| OD insurance renewal (Year 2+) | ₹2,200–₹4,000 | Annual |
| Chain maintenance | ₹150–₹250 | Every 3,000 km |
The Avenger 220 delivers 38–42 kmpl in real conditions — adequate but not exceptional compared to 150cc segment bikes. Bajaj's extensive service network ensures parts availability and competitive service labour rates. Monthly running cost (excluding EMI) for 50 km/day is approximately ₹2,300–₹3,500.
Is the Avenger Street 220 EMI Affordable for You?
Lenders assess affordability through FOIR — total monthly EMIs should not exceed 40–55% of net income. A practical personal ceiling for a two-wheeler is 15–20% of monthly take-home. Evaluate your limit with the loan eligibility calculator.
| Monthly Take-Home | 15% Bike EMI Budget | Recommended Tenure for Avenger 220 |
|---|---|---|
| ₹19,000 | ₹2,850 | 5-year |
| ₹28,600 | ₹4,290 | 3–5 year |
| ₹40,900 | ₹6,135 | 2–3 year |
| ₹55,000+ | ₹8,250+ | 2 year or cash |
At ₹4,296/month (3-year, 20% down), the Avenger 220 is within the 15% threshold for anyone earning ₹28,600+ monthly — placing it in reach of professionals in tier-1 and tier-2 cities.
How to Get the Best Loan Deal for the Avenger Street 220
- Compare rates before the dealer visit. Check live two-wheeler loan rates at /rates. On a ₹1.32 lakh loan, a 1% lower rate saves approximately ₹2,100 over 3 years.
- Check Bajaj Finance or Bajaj Auto Finance promotions. Bajaj's captive lender periodically runs brand-specific rate concessions during festive seasons.
- Choose 3-year over 5-year tenure if cash flow allows. The ₹15,804 interest saving is significant.
- Avoid zero-down 100% financing. A ₹1,65,202 loan at 10.5% over 3 years costs ₹24,181 in interest — versus ₹22,494 on a 20% down loan. The extra ₹1,687 in interest is in addition to the missing down payment capital.
- Maintain a CIBIL score above 750. See how CIBIL score affects your loan rate for actionable steps.
- Prepay with any annual bonus. RBI rules prohibit prepayment penalties on floating-rate loans. The prepayment calculator quantifies the interest savings from any part-payment.
Frequently Asked Questions
What is the on-road price of Bajaj Avenger Street 220 in Delhi 2026?
₹1,65,202, including 8% road tax (₹11,351), IRDAI-mandated 5-year TP insurance (₹6,830 for 220cc), 1-year OD insurance (₹2,128), and ₹3,000 registration.
How much EMI for Bajaj Avenger Street 220 at 10.5%?
With 20% down payment (loan ₹1,32,162): ₹6,129/month for 2 years, ₹4,296/month for 3 years, or ₹2,841/month for 5 years. Get your personalised EMI from the car loan EMI calculator.
Why is the Avenger's third-party insurance higher than a 150cc bike?
The 220cc engine falls in the IRDAI slab for 151–350cc, which carries a 5-year TP premium of ₹6,830 — versus ₹3,570 for the ≤150cc slab. This ₹3,260 additional insurance cost is fixed by IRDAI and cannot be altered by your dealer or insurer.
Is TCS charged on the Bajaj Avenger Street 220?
No. TCS under Section 206C(1F) applies only to motor vehicles (cars) where the purchase value exceeds ₹10 lakh. The Avenger Street 220 is a two-wheeler — two-wheelers are entirely outside the TCS provision regardless of their ex-showroom price.
What is the minimum down payment for a Bajaj Avenger Street 220 loan?
Most banks require at least 10% — approximately ₹16,520 (on-road ₹1,65,202). Some NBFCs offer 100% financing for 750+ CIBIL score applicants, but zero down maximises total interest. A 20% down payment at ₹33,040 is the recommended starting point.
How does the Bajaj Avenger Street 220 compare to Royal Enfield Meteor 350 in EMI?
The Avenger Street 220 (on-road ₹1,65,202) has a 3-year EMI of ₹4,296/month vs the Meteor 350 Fireball (on-road ₹2,57,527) at ₹6,696/month — both at 20% down and 10.5%. The Avenger is ₹2,400/month cheaper but has a less refined engine and no navigation system. See the Royal Enfield Meteor 350 on-road price guide for a full comparison.
Explore all cruiser and commuter models on the two-wheeler EMI hub. Compare loan offers with the loan comparison tool. For two-wheeler loan affordability, use the loan eligibility calculator.
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