Bajaj Pulsar 125 EMI & On-Road Price 2026 — Variants, State Tax, Monthly EMI
Bajaj Pulsar 125 on-road price in Delhi starts at ₹94,608. See all 3 variants, 10-state road tax, and EMIs from ₹1,627/month at 10.5%.
Key Takeaways
- Bajaj Pulsar 125 Neon on-road price in Delhi is ₹97,346 (ex-showroom ₹82,900 + 8% road tax + OD + 5-year TP insurance + registration).
- A 3-year loan at 10.5% with 20% down payment gives an EMI of ₹2,531/month on a loan of ₹77,877.
- Choosing a 2-year tenure over 5 years saves ₹13,218 in total interest — over 17% of the loan amount.
- The Neon Twin Disc variant adds dual-disc braking for just ₹2,500 more than the Neon — strong value for urban riders.
The Bajaj Pulsar 125 distils the iconic Pulsar DNA into a 125cc, sub-₹1 lakh package that appeals to younger riders and budget-conscious buyers wanting sporty aesthetics without the running costs of a 150+ cc motorcycle. Its Neon series added vivid graphics and a twin-disc option to the lineup — features previously unavailable at this price point. Understanding the full on-road cost is essential: Bajaj's ex-showroom price is the entry number, but road tax, IRDAI insurance, and registration add ₹12,000–₹17,000 more in Delhi. This guide covers all three Pulsar 125 variants, state-by-state road tax for 10 states, and rigorously verified EMI calculations.
Bajaj Pulsar 125
125cc Pulsar DNA — sporty styling, Neon graphics, twin disc option at entry price.
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 Pulsar 125 Variant Prices (2026)
Three variants span a ₹5,000 range, with each step adding visual and braking upgrades. On-road Delhi figures use 8% road tax, IRDAI TP + OD insurance, and ₹3,000 registration.
| Variant | Ex-Showroom (Delhi) | On-Road (Delhi) | 3-Yr EMI (10.5%, 20% down) |
|---|---|---|---|
| Standard | ₹80,400 | ₹94,608 | ₹2,460 |
| Neon | ₹82,900 | ₹97,346 | ₹2,531 |
| Neon Twin Disc | ₹85,400 | ₹1,00,083 | ₹2,602 |
The Neon is the most popular variant — the Neon graphics package elevates the visual appeal significantly for just ₹2,500 over Standard. The Neon Twin Disc brings front and rear disc brakes at ₹5,000 more than Standard — at this price, the twin-disc setup is exceptional value and is the recommended choice for city riders who encounter frequent hard braking.
What Goes Into the On-Road Price
For the Neon at ₹82,900 ex-showroom (Delhi reference):
| Component | Amount | Basis |
|---|---|---|
| Ex-Showroom Price | ₹82,900 | Bajaj manufacturer price |
| Road Tax (8%) | ₹6,632 | Delhi slab: ₹60,001–₹2,00,000 |
| Own Damage (1yr, ~1.5%) | ₹1,244 | ~1.5% of ex-showroom |
| Third Party (5yr mandatory) | ₹3,570 | IRDAI-fixed: >75–150cc |
| Registration + Smart Card | ₹3,000 | Flat RTO charge |
| TCS | Nil | Not applicable on two-wheelers |
| On-Road Price | ₹97,346 | Total |
The IRDAI 5-year TP premium is fixed at ₹3,570 for the 75–150cc slab — applicable to all three Pulsar 125 variants. TCS does not apply to two-wheelers — the Section 206C(1F) TCS threshold of ₹10 lakh applies only to motor vehicles (cars), not motorcycles.
How State Road Tax Varies
Road tax comparison for the Neon (ex-showroom ₹82,900) across 10 states:
| State | Road Tax Rate | Road Tax Amount | On-Road Price |
|---|---|---|---|
| Gujarat | 4% (flat) | ₹3,316 | ₹91,130 |
| Rajasthan | 6% (≤₹1L) | ₹4,974 | ₹92,788 |
| West Bengal | 6% (≤₹1L) | ₹4,974 | ₹92,788 |
| Delhi | 8% (₹60K–₹2L) | ₹6,632 | ₹97,346 |
| Uttar Pradesh | 8% (flat) | ₹6,632 | ₹97,346 |
| Tamil Nadu | 8% (≤₹1L) + ₹500 safety tax | ₹7,132 | ₹97,846 |
| Kerala | 9% (≤₹1L) + ₹200 cess | ₹7,661 | ₹98,475 (+ ₹200 cess) |
| Maharashtra | 11% (flat) | ₹9,119 | ₹99,933 |
| Telangana | 12% (flat) | ₹9,948 | ₹1,00,762 |
| Karnataka | 12% (≤₹1L) + 11% cess on tax | ₹11,067 | ₹1,01,881 |
Gujarat buyers save ₹3,316 versus Delhi. Karnataka crosses the ₹1 lakh on-road mark due to its 11% cess on the base road tax. Rajasthan and West Bengal share the 6% slab since the ex-showroom (₹82,900) is below ₹1 lakh.
Bajaj Pulsar 125 EMI by Loan Tenure
Base scenario: Neon, 20% down payment (₹19,469), loan amount ₹77,877, at 10.5% p.a. Plug in your own numbers with the two-wheeler EMI calculator.
| Tenure | Monthly EMI | Total Interest | Total Amount Paid |
|---|---|---|---|
| 2 Years (24 months) | ₹3,612 | ₹8,811 | ₹86,688 |
| 3 Years (36 months) | ₹2,531 | ₹13,239 | ₹91,116 |
| 5 Years (60 months) | ₹1,675 | ₹22,623 | ₹1,00,500 |
Choosing 2 years over 5 years saves ₹13,812 in total interest. The ₹1,081/month premium for the shorter tenure is manageable for most salaried borrowers earning above ₹18,000 net — and it means you own the Pulsar 125 outright two years sooner.
If you receive a festive bonus or income tax refund, use the prepayment calculator to see how a one-time ₹10,000–₹20,000 prepayment cuts months from your remaining tenure.
Down Payment Impact on EMI
For the Neon (on-road ₹97,346), 3-year tenure at 10.5%:
| Down Payment | Down Amount | Loan Amount | Monthly EMI | Total Interest |
|---|---|---|---|---|
| 10% | ₹9,735 | ₹87,611 | ₹2,847 | ₹14,887 |
| 20% | ₹19,469 | ₹77,877 | ₹2,531 | ₹13,239 |
| 30% | ₹29,204 | ₹68,142 | ₹2,214 | ₹11,562 |
Moving from 10% to 30% down saves ₹3,325 in interest and reduces monthly EMI by ₹633. For a bike that depreciates significantly in the first 2 years, a higher down payment keeps you from being "upside down" (owing more than the bike's market value) in the event of a total loss claim. Use the loan eligibility calculator to assess how much of a down payment you can comfortably allocate from savings.
Running & Ownership Costs
| Cost Item | Estimate | Frequency |
|---|---|---|
| Fuel (50 km/day, 50 km/l real) | ₹1,500–₹1,900 | Monthly |
| Engine oil change | ₹350–₹500 | Every 3,000 km |
| Periodic service | ₹700–₹1,000 | Every 6 months |
| Tyre replacement | ₹2,200–₹3,200 | Every 3–4 years |
| OD insurance renewal (Year 2+) | ₹1,300–₹2,200 | Annual |
| Chain lubrication | ₹100–₹200 | Every 2,000 km |
The Pulsar 125's 124cc engine claims 55 km/l; real-world figures in mixed urban/highway conditions typically land at 48–54 km/l. Bajaj's 3000+ authorised service centres ensure service access across India. Total monthly running cost (excluding EMI) is approximately ₹1,700–₹2,200 for a 50 km/day rider.
Is the Bajaj Pulsar 125 EMI Affordable for You?
Lenders evaluate affordability through FOIR — total monthly obligations should not exceed 40–55% of net income. A personal benchmark for two-wheelers: keep the EMI under 15–20% of monthly take-home.
| Monthly Take-Home | 15% Bike EMI Budget | Recommended Tenure |
|---|---|---|
| ₹14,000 | ₹2,100 | 5-year |
| ₹17,000 | ₹2,550 | 3-year |
| ₹22,000 | ₹3,300 | 2–3 year |
| ₹28,000+ | ₹4,200+ | 2-year or cash |
The Neon at ₹2,531/month (3-year, 20% down) is within the 15% affordability threshold for anyone earning ₹16,900+ monthly — accessible to most entry-level and mid-level salaried workers.
How to Get the Best Two-Wheeler Loan Deal
- Shop rates before the showroom. Two-wheeler loan rates range from ~9% to 15% p.a. Compare current lender rates at /rates — a 1% difference saves ₹1,570 over 3 years on a ₹77,900 loan.
- Bajaj Finance is worth checking first. Bajaj's captive NBFC often runs promotional rates for Bajaj motorcycle purchases; the dealer can apply on your behalf.
- Negotiate the processing fee. Typically ₹500–₹1,500, frequently waived in festive season.
- Opt for a shorter tenure. The EMI table shows 2 years saves ₹13,812 vs 5 years.
- Maintain a CIBIL score above 750. Read how CIBIL score affects loan interest rates for practical improvement steps.
- Prepay freely. RBI prohibits prepayment penalties on floating-rate loans. Use the prepayment calculator to quantify the interest saving.
Frequently Asked Questions
What is the on-road price of Bajaj Pulsar 125 in Delhi in 2026?
The on-road price ranges from ₹94,608 (Standard) to ₹1,00,083 (Neon Twin Disc). The most popular Neon variant is ₹97,346, including 8% road tax, IRDAI 5-year TP insurance (₹3,570), 1-year OD insurance, and ₹3,000 registration.
How much is the EMI for Bajaj Pulsar 125 Neon at 10.5%?
With 20% down payment (loan ₹77,877): ₹3,612/month for 2 years, ₹2,531/month for 3 years, or ₹1,675/month for 5 years. Use the two-wheeler EMI calculator for your personalised EMI.
What is the minimum down payment for a Bajaj Pulsar 125 loan?
Most lenders require a minimum 10% down payment — approximately ₹9,735 for the Neon (on-road ₹97,346). Some NBFCs including Bajaj Finance may offer 100% financing for high-CIBIL applicants. A 20–30% down payment is the recommended range to minimise total interest paid.
What is the difference between Pulsar 125 Standard, Neon, and Neon Twin Disc?
Standard: base variant, single front disc option. Neon: adds Neon graphics package for ₹2,500 premium. Neon Twin Disc: adds dual disc brakes (front + rear) for ₹5,000 premium over Standard. All three share the same 124cc engine, frame, and suspension.
Which bank offers the lowest two-wheeler loan rate for Pulsar 125?
In 2026, competitive rates are offered by Bajaj Finance (captive NBFC), SBI, HDFC Bank, and HDB Financial Services. Compare live rates at /rates. Dealer-arranged financing is convenient but not always the cheapest option.
Is TCS charged on Bajaj Pulsar 125?
No. TCS under Section 206C(1F) is levied only on motor vehicles with invoice value above ₹10 lakh. The Pulsar 125 is priced far below this threshold. No dealer should include a TCS line on your invoice.
Can I prepay my Pulsar 125 loan without penalty?
Yes, if the loan is on a floating rate, RBI regulations prohibit any prepayment penalty. Fixed-rate loans may carry a 2–4% foreclosure charge. The prepayment calculator shows the exact interest saving and tenure reduction from any lump-sum payment.
For the full 125–160cc sports bike comparison, visit the two-wheeler EMI hub. If you want to see how the Pulsar 125 stacks up against the next step up, read the Bajaj Pulsar N160 EMI & on-road price guide.
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