Hero Glamour EMI & On-Road Price 2026 — Variants, State Tax, Monthly EMI
Hero Glamour on road price 2026 starts at ₹93,677 in Delhi. Compare all variants, state road tax, and EMIs from ₹1,660/month.
Key Takeaways
- The Hero Glamour Self Drum Xtec on-road price in Delhi is ₹96,524 (ex-showroom ₹82,150 + 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 ₹2,510 on a loan of ₹77,219.
- Choosing a 2-year tenure over 5 years saves ₹13,656 in total interest — the loan clears in half the time with a manageable EMI premium of ₹1,921/month.
- No TCS applies on two-wheelers. Section 206C(1F) covers only motor vehicles exceeding ₹10 lakh — not scooters or motorcycles of any price.
The Hero Glamour occupies the sweet spot in India's 125 cc commuter segment: more feature-rich than the bare-bones entry commuters yet far more affordable than the scooter or premium sports segments. The 2026 Glamour comes with XTEC connectivity on the top variants — offering Bluetooth call and music alerts via the semi-digital console — making it one of the most connected bikes in its class. But connectivity upgrades raise the sticker price, and the real cost of ownership only becomes visible once road tax, insurance, and registration are added. This guide breaks down every Hero Glamour variant, computes on-road prices across 10 states, and shows the EMI for multiple down payments and tenures. Ex-showroom prices were verified in June 2026 (Delhi reference) and state road-tax rates cross-checked against current 2026 RTO schedules — minor state cesses may apply on top of quoted figures.
Hero Glamour
Hero's 125cc commuter with i3S idle-stop, semi-digital console and XTEC connectivity.
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.
Hero Glamour Variant Prices (2026)
The Glamour is offered in three variants. On-road Delhi figures apply 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 a flat ₹3,000 registration charge.
| Variant | Ex-Showroom | On-Road (Delhi) | 3-Yr EMI (10.5%) |
|---|---|---|---|
| Kick Drum | ₹79,550 | ₹93,677 | ~₹2,436* |
| Self Drum Xtec | ₹82,150 | ₹96,524 | ₹2,510 |
| Self Disc Xtec | ₹85,550 | ₹1,00,247 | ~₹2,607* |
*Approximate at 20% down payment. Use the car loan EMI calculator to compute the exact figure for your down payment and tenure.
The Self Drum Xtec is the most popular choice, adding Hero's i3S idle-stop system, a USB charging port, and Bluetooth connectivity over the base Kick Drum at a ₹2,600 ex-showroom premium. The Self Disc Xtec tops the range with a front disc brake — meaningful on a 125cc bike for slightly shorter stopping distances in emergency braking — at ₹3,400 more than the Drum Xtec.
What Goes Into the On-Road Price
For the Self Drum Xtec at ₹82,150 ex-showroom (Delhi reference):
Under IRDAI regulations effective September 2018, all new two-wheelers must carry 5-year third-party insurance paid upfront at purchase, plus a separate 1-year own-damage (comprehensive) policy renewable annually.
| Component | Amount | Basis |
|---|---|---|
| Ex-Showroom Price | ₹82,150 | Manufacturer price |
| Road Tax (8%) | ₹6,572 | Delhi slab: ₹60,001–₹2,00,000 |
| Own Damage (1yr, ~1.5%) | ₹1,232 | ~1.5% of ex-showroom (varies by insurer) |
| Third Party (5yr mandatory) | ₹3,570 | IRDAI-fixed: >75cc–150cc (5yr total) |
| Registration + Smart Card | ₹3,000 | Flat RTO charge |
| TCS (Sec 206C(1F)) | Nil | Not applicable on two-wheelers |
| On-Road Price | ₹96,524 | Total |
The TP premium of ₹3,570 is IRDAI-regulated — no dealer can charge more or less for new two-wheeler TP cover. From Year 2, only the OD policy (₹1,232 for Year 1) needs renewal; you can shop for competitive OD rates across insurers using your accumulated no-claim bonus.
How State Road Tax Varies by State
Road tax is a one-time payment at registration and the largest variable in the on-road price. Below are verified 2026 rates across 10 states for the Self Drum Xtec (ex-showroom ₹82,150):
| State | Road Tax Rate | Road Tax Amount | On-Road Price |
|---|---|---|---|
| Gujarat | 4% (flat) | ₹3,286 | ₹93,238 |
| Rajasthan | 6% (≤₹1L) | ₹4,929 | ₹94,881 |
| West Bengal | 6% (≤₹1L) | ₹4,929 | ₹94,881 |
| Delhi | 8% (₹60K–₹2L) | ₹6,572 | ₹96,524 |
| Uttar Pradesh | 8% (flat) | ₹6,572 | ₹96,524 |
| Tamil Nadu | 8% (≤₹1L) + ₹500 safety tax | ₹7,072 | ₹97,024 |
| Kerala | 9% (≤₹1L) + ₹200 cess | ₹7,594 | ₹97,546 |
| Maharashtra | 11% (flat) | ₹9,037 | ₹98,989 |
| Telangana | 12% (flat) | ₹9,858 | ₹99,810 |
| Karnataka | 12% + 11% cess on tax | ₹10,942 | ₹1,00,894 |
Gujarat buyers save ₹3,286 in road tax compared to Delhi. Karnataka's effective two-wheeler tax is the highest in the country, with the 11% cess on the base tax pushing the all-in road tax to ₹10,942 — nearly ₹7,700 more than Gujarat. Tamil Nadu's ₹500 safety tax is a flat state levy on all newly registered motorised vehicles.
Hero Glamour EMI by Loan Tenure
Base scenario: Self Drum Xtec, 20% down payment (₹19,305), loan amount ₹77,219, at 10.5% p.a. Plug in your figures with the car loan EMI calculator.
| Tenure | Monthly EMI | Total Interest | Total Amount Paid |
|---|---|---|---|
| 2 Years (24 months) | ₹3,581 | ₹8,725 | ₹85,944 |
| 3 Years (36 months) | ₹2,510 | ₹13,141 | ₹90,360 |
| 5 Years (60 months) | ₹1,660 | ₹22,381 | ₹99,600 |
A 2-year tenure costs ₹1,071/month more than 3 years but saves ₹4,416 in interest. Compared to the 5-year option, going with 2 years saves ₹13,656 — almost 18% of the loan amount — back in your pocket. For a bike in the sub-₹1 lakh category, the 2-year tenure makes strong financial sense for anyone earning ₹18,000+ monthly.
Down Payment Impact
For the Self Drum Xtec (on-road ₹96,524), 3-year tenure at 10.5%:
| Down Payment | Down Amount | Loan Amount | Monthly EMI | Total Interest |
|---|---|---|---|---|
| 10% | ₹9,652 | ₹86,872 | ₹2,824 | ₹14,792 |
| 20% | ₹19,305 | ₹77,219 | ₹2,510 | ₹13,141 |
| 30% | ₹28,957 | ₹67,567 | ₹2,196 | ₹11,489 |
Moving from 10% to 30% down payment reduces the EMI by ₹628/month and saves ₹3,303 in total interest over 3 years. Use the prepayment calculator to see how one-time bonuses or increments can further shrink your loan tenure after the fact.
Running & Ownership Costs
| Cost Item | Estimate | Frequency |
|---|---|---|
| Fuel (50 km/day, 60 kmpl) | ₹1,100–₹1,500 | Monthly |
| Engine oil change | ₹300–₹450 | Every 3,000 km |
| Periodic service (Hero service) | ₹600–₹900 | Every 6 months |
| Tyre replacement | ₹2,000–₹3,200 | Every 3–4 years |
| Third-party renewal (Year 2+) | ₹700–₹900 | Annual |
| OD insurance renewal (Year 2+) | ₹1,200–₹1,800 | Annual |
| Chain maintenance | ₹100–₹200 | Every 2,000 km |
Hero's 6,500+ service network ensures affordable and accessible maintenance. The Glamour's 125cc FI engine delivers 60–65 kmpl in real conditions, keeping monthly fuel spend predictably low. Total non-EMI monthly running cost for a 50 km/day commuter is approximately ₹1,400–₹2,000.
Is the Hero Glamour EMI Affordable for You?
Lenders use FOIR (Fixed Obligation to Income Ratio) to assess two-wheeler loan eligibility — total EMIs should not exceed 40–55% of net monthly income. A practical personal rule is keeping the bike EMI below 15–20% of take-home. Check your borrowing limit with the loan eligibility calculator.
| Monthly Take-Home | 15% Bike EMI Budget | Recommended Tenure for Glamour |
|---|---|---|
| ₹13,000 | ₹1,950 | 5-year |
| ₹17,000 | ₹2,550 | 3–5 year |
| ₹22,000 | ₹3,300 | 2–3 year |
| ₹28,000+ | ₹4,200+ | 2 year or cash |
At ₹2,510/month (3-year, 20% down), the Glamour fits within the 15% threshold for anyone earning ₹16,800+ monthly — making it one of the most accessible 125cc bikes in India by EMI-to-income ratio.
How to Get the Best Two-Wheeler Loan Deal
- Compare rates before visiting the dealer. Check live bank rates at /rates. A 1% rate difference on a ₹77,000 loan saves approximately ₹1,200 over 3 years.
- Avoid 100% financing if possible. Even a 10% down payment reduces the loan principal and the total interest bill. A 20% down is the standard sweet spot.
- Negotiate processing fees. Lenders charge ₹500–₹1,500 on two-wheeler loans; this is frequently waived during festive season promotions or by Hero FinCorp on Hero brand bikes.
- Choose the shortest tenure your cash flow allows. The table above shows a 2-year loan saves ₹13,656 over 5 years.
- Keep your CIBIL score above 750. Borrowers above this threshold qualify for lower rates. Read the guide on how CIBIL score affects loan interest rates for practical improvement steps.
- Part-pay with any windfall. No prepayment penalty on floating-rate loans under RBI rules. Even ₹5,000 prepaid in Year 1 saves more interest than at any later stage of the loan.
Frequently Asked Questions
What is the on-road price of Hero Glamour in Delhi in 2026?
The on-road price ranges from ₹93,677 (Kick Drum) to ₹1,00,247 (Self Disc Xtec) in Delhi. The most popular Self Drum Xtec variant costs ₹96,524, including 8% road tax, IRDAI-mandated 5-year third-party insurance, 1-year own-damage insurance, and ₹3,000 registration charge.
How much EMI for Hero Glamour at 10.5% interest?
For the Self Drum Xtec with 20% down payment (loan ₹77,219): ₹3,581/month for 2 years, ₹2,510/month for 3 years, or ₹1,660/month for 5 years. Calculate your own EMI with the car loan EMI calculator.
What is TCS and does it apply on the Hero Glamour?
TCS (Tax Collected at Source) under Section 206C(1F) of the Income Tax Act applies only to motor vehicles where the purchase value exceeds ₹10 lakh. All Hero Glamour variants are well below this limit, and the provision does not apply to two-wheelers regardless of price. No TCS should appear on your dealer invoice.
Which variant of Hero Glamour is the best value?
The Self Drum Xtec offers the best value — it adds Hero's i3S idle-stop system, a USB charging port, and Bluetooth alerts over the base Kick Drum for just ₹2,600 more ex-showroom. The Self Disc Xtec makes sense only if front disc braking is a priority for your riding conditions.
What is the minimum down payment for a Hero Glamour loan?
Most lenders require a minimum 10% down payment — approximately ₹9,652 for the Self Drum Xtec (on-road ₹96,524). Some NBFCs and Hero FinCorp may offer 0% down to applicants with a CIBIL score above 750, but 100% financing carries the highest total interest cost and zero equity buffer.
Can I prepay my Hero Glamour loan early?
Yes. RBI regulations prohibit prepayment penalties on floating-rate loans, and most two-wheeler loans are floating-rate. Fixed-rate loans may carry a 2–4% foreclosure charge. The prepayment calculator shows exactly how a ₹10,000 lump-sum prepayment reduces your outstanding tenure and interest burden.
Which state has the lowest on-road price for the Hero Glamour?
Gujarat has the lowest road tax for two-wheelers at a flat 4%, bringing the Self Drum Xtec on-road price to ₹93,238 — ₹3,286 less than Delhi's ₹96,524 and ₹7,656 less than Karnataka's ₹1,00,894. If you have the flexibility to register in Gujarat, the tax saving alone can cover one year of OD insurance.
Compare the Glamour against the commuter segment on the two-wheeler EMI hub. For the next step up in capacity, the Hero Splendor Plus EMI guide covers the 100cc range while the Bajaj Pulsar 150 EMI guide covers the 150cc sports commuter segment.
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