Honda CB Shine 125 EMI & On-Road Price 2026 — Variants, State Tax, Monthly EMI
Honda CB Shine 125 on road price 2026 starts at ₹99,004 in Delhi. Compare variants, state road tax, and EMIs from ₹1,834/month.
Key Takeaways
- The Honda CB Shine 125 Disc on-road price in Delhi is ₹1,06,669 (ex-showroom ₹91,415 + 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 ₹2,774 on a loan of ₹85,335.
- Choosing a 2-year tenure over 5 years saves ₹15,072 in total interest — well over 17% of the loan amount returned as savings.
- No TCS applies on two-wheelers. Section 206C(1F) of the Income Tax Act covers only motor vehicles above ₹10 lakh in value.
The Honda CB Shine has been one of India's top-selling motorcycles for over a decade, and the 2026 125cc version carries that legacy forward with a fuel-injected OBD2-compliant engine and Honda's proven reliability. For budget-conscious buyers choosing between the Drum and Disc variants, the on-road price difference matters — and understanding where road tax, insurance, and registration take the sticker price is essential before approaching a lender. This guide covers both CB Shine 125 variants in full, shows the on-road cost across 10 states, and tables the EMI for different down payments and tenures. Ex-showroom prices were verified in June 2026 (Delhi reference) and road-tax rates cross-checked against current 2026 RTO slabs — minor state cesses may apply.
Honda CB Shine 125
Honda reliability in 125cc — OBD2 engine, Honda Eco Technology, fuel injection.
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.
Honda CB Shine 125 Variant Prices (2026)
The CB Shine 125 is offered in two 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%) |
|---|---|---|---|
| Drum Self Start | ₹84,415 | ₹99,004 | ~₹2,574* |
| Disc Self Start | ₹91,415 | ₹1,06,669 | ₹2,774 |
*Approximate at 20% down payment. Use the car loan EMI calculator for your exact EMI.
The Disc Self Start adds a front disc brake and CBS (Combined Braking System) over the Drum variant, improving braking confidence on wet roads or in emergency stops. At ₹7,000 more ex-showroom, the disc upgrade is worthwhile for daily urban riders who frequently navigate heavy traffic. Both variants share the same 125cc fuel-injected engine.
What Goes Into the On-Road Price
For the Disc Self Start at ₹91,415 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 1-year own-damage (comprehensive) policy renewed annually.
| Component | Amount | Basis |
|---|---|---|
| Ex-Showroom Price | ₹91,415 | Manufacturer price |
| Road Tax (8%) | ₹7,313 | Delhi slab: ₹60,001–₹2,00,000 |
| Own Damage (1yr, ~1.5%) | ₹1,371 | ~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 | ₹1,06,669 | Total |
The 5-year TP premium of ₹3,570 is set by IRDAI and is non-negotiable. The OD premium of ₹1,371 covers Year 1 only; from Year 2 onwards, you can shop for lower OD rates and benefit from your no-claim bonus discount.
How State Road Tax Varies by State
Road tax is a one-time payment at registration. Below are 2026 rates across 10 states for the Disc Self Start (ex-showroom ₹91,415):
| State | Road Tax Rate | Road Tax Amount | On-Road Price |
|---|---|---|---|
| Gujarat | 4% (flat) | ₹3,657 | ₹1,03,013 |
| Rajasthan | 6% (≤₹1L) | ₹5,485 | ₹1,04,841 |
| West Bengal | 6% (≤₹1L) | ₹5,485 | ₹1,04,841 |
| Delhi | 8% (₹60K–₹2L) | ₹7,313 | ₹1,06,669 |
| Uttar Pradesh | 8% (flat) | ₹7,313 | ₹1,06,669 |
| Tamil Nadu | 8% (≤₹1L) + ₹500 safety tax | ₹7,813 | ₹1,07,169 |
| Kerala | 9% (≤₹1L) + ₹200 cess | ₹8,427 | ₹1,07,783 |
| Maharashtra | 11% (flat) | ₹10,056 | ₹1,09,412 |
| Telangana | 12% (flat) | ₹10,970 | ₹1,10,326 |
| Karnataka | 12% + 11% cess on tax | ₹12,187 | ₹1,11,533 |
Gujarat buyers pay ₹3,656 less in road tax than Delhi. Karnataka remains the highest-tax state, with the 11% cess on the base tax bringing the effective tax to ₹12,187, making the CB Shine Disc ₹8,520 more expensive there than in Gujarat. Tamil Nadu's ₹500 road-safety tax is a flat levy on all new motorised vehicles.
Honda CB Shine 125 EMI by Loan Tenure
Base scenario: Disc Self Start, 20% down payment (₹21,334), loan amount ₹85,335, at 10.5% p.a. Calculate your personalised EMI with the car loan EMI calculator.
| Tenure | Monthly EMI | Total Interest | Total Amount Paid |
|---|---|---|---|
| 2 Years (24 months) | ₹3,957 | ₹9,633 | ₹94,968 |
| 3 Years (36 months) | ₹2,774 | ₹14,529 | ₹99,864 |
| 5 Years (60 months) | ₹1,834 | ₹24,705 | ₹1,10,040 |
A 2-year tenure costs ₹1,183/month more than 3 years but saves ₹4,896 in interest. Choosing 2 years over 5 years saves ₹15,072 total — nearly 17.6% of the loan principal returned as interest savings. For a bike in the sub-₹1.1 lakh bracket, a 2-year loan is the financially superior choice for anyone with stable monthly income.
Down Payment Impact
For the Disc Self Start (on-road ₹1,06,669), 3-year tenure at 10.5%:
| Down Payment | Down Amount | Loan Amount | Monthly EMI | Total Interest |
|---|---|---|---|---|
| 10% | ₹10,667 | ₹96,002 | ₹3,120 | ₹16,318 |
| 20% | ₹21,334 | ₹85,335 | ₹2,774 | ₹14,529 |
| 30% | ₹32,001 | ₹74,668 | ₹2,427 | ₹12,704 |
Increasing the down payment from 10% to 30% cuts the EMI by ₹693/month and saves ₹3,614 in total interest over 3 years. The break-even on using savings as down payment vs. keeping those savings at 6% FD is approximately 14 months — making the larger down payment the better financial decision for most buyers.
Running & Ownership Costs
| Cost Item | Estimate | Frequency |
|---|---|---|
| Fuel (50 km/day, 60 kmpl) | ₹1,100–₹1,500 | Monthly |
| Engine oil change | ₹300–₹500 | Every 3,000 km |
| Periodic service (Honda service) | ₹700–₹1,000 | Every 6 months |
| Tyre replacement | ₹2,200–₹3,500 | Every 3–4 years |
| Third-party renewal (Year 2+) | ₹700–₹900 | Annual |
| OD insurance renewal (Year 2+) | ₹1,200–₹2,000 | Annual |
| Chain maintenance | ₹100–₹200 | Every 2,000 km |
Honda's service network of 6,000+ authorised service centres ensures affordable and predictable maintenance. The CB Shine 125 FI engine delivers 60–65 kmpl in real-world conditions. Total monthly running cost (excluding EMI) for a 50 km/day commuter is approximately ₹1,400–₹2,200.
Is the CB Shine 125 EMI Affordable for You?
Lenders apply FOIR (Fixed Obligation to Income Ratio) — total monthly EMIs should not exceed 40–55% of net income. A practical personal threshold for a two-wheeler is 15–20% of monthly take-home. Check your borrowing capacity with the loan eligibility calculator.
| Monthly Take-Home | 15% Bike EMI Budget | Recommended Tenure for CB Shine 125 |
|---|---|---|
| ₹14,000 | ₹2,100 | 5-year |
| ₹18,500 | ₹2,775 | 3–5 year |
| ₹25,000 | ₹3,750 | 2–3 year |
| ₹30,000+ | ₹4,500+ | 2 year or cash |
At ₹2,774/month (3-year, 20% down), the CB Shine 125 Disc is within the 15% threshold for anyone earning ₹18,500+ monthly — accessible for most urban salaried earners in metro and tier-2 cities.
How to Get the Best Two-Wheeler Loan Deal
- Compare bank and NBFC rates before the dealer visit. Two-wheeler loan rates range from 9% to 15% in 2026. Check current rates at /rates — a 1.5% lower rate saves over ₹1,900 on a ₹85,000 loan over 3 years.
- Prefer Honda Financial Services or direct bank loans. Captive NBFCs sometimes offer lower processing fees for Honda brand purchases.
- Avoid 0% EMI schemes without scrutiny. Check whether the ex-showroom price has been inflated to cover the "zero interest" cost before accepting such an offer.
- Choose the shortest tenure your salary comfortably supports. The tenure table shows 2 years saves ₹15,072 vs 5 years.
- Maintain a CIBIL score above 750. Read how CIBIL score affects your loan interest rate for actionable steps.
- Prepay with any annual bonus. RBI prohibits prepayment penalties on floating-rate loans. Use the prepayment calculator to quantify the savings from an early part-payment.
Frequently Asked Questions
What is the on-road price of Honda CB Shine 125 in Delhi in 2026?
The on-road price is ₹99,004 for the Drum Self Start and ₹1,06,669 for the Disc Self Start, in Delhi. Figures include 8% road tax, IRDAI-mandated 5-year third-party insurance, 1-year own-damage insurance, and ₹3,000 flat registration charge.
How much EMI for Honda CB Shine 125 Disc at 10.5%?
With 20% down payment (loan ₹85,335): ₹3,957/month for 2 years, ₹2,774/month for 3 years, or ₹1,834/month for 5 years. Use the car loan EMI calculator to enter your own down payment and tenure for an exact figure.
Is TCS applicable on Honda CB Shine 125?
No. TCS under Section 206C(1F) applies only to motor vehicles priced above ₹10 lakh. The CB Shine 125 is priced below ₹1.1 lakh — two-wheelers are entirely outside the TCS provision regardless of their price.
Which CB Shine 125 variant offers better value?
The Disc Self Start offers better long-term value for urban commuters at ₹7,000 extra — the front disc brake and CBS braking system meaningfully improve safety in the city, and the difference in EMI is only about ₹200/month over 3 years.
What documents are required for a two-wheeler loan?
Typically: PAN card, Aadhaar card, last 3 months' salary slips (salaried) or 2 years' ITR (self-employed), 6 months' bank statements, passport photographs, and the dealer's proforma invoice. Some lenders also require a co-applicant for applicants below their minimum income threshold.
Can I get a Honda CB Shine 125 loan with a low CIBIL score?
Borrowers with CIBIL scores below 650 may face higher interest rates (13–15%) or loan rejection from scheduled banks. NBFCs and captive lenders (Honda Financial Services) may accommodate lower scores with a higher down payment (30–40%). Improving your CIBIL score before applying can save ₹3,000–₹5,000 in total interest on a typical CB Shine 125 loan.
Which state has the lowest on-road price for CB Shine 125?
Gujarat, with a flat 4% road tax, gives the lowest on-road price of ₹1,03,013 for the Disc variant — ₹3,656 cheaper than Delhi and ₹8,520 cheaper than Karnataka. If you live near a state border, registering in Gujarat can offer a meaningful saving.
Browse the full range on the two-wheeler EMI hub. For the premium end of the Honda commuter range, see the Honda Activa 125 EMI guide which covers the scooter segment. To compare loan options side by side, use the loan comparison tool.
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