TVS NTorq 125 EMI & On-Road Price 2026 — Variants, State Tax, Monthly EMI

Key Takeaways

• The TVS NTorq 125 Race Edition on-road price in Delhi is ₹1,02,299 (ex-showroom ₹87,424 + 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 ₹2,660 on a loan of ₹81,839.
• Choosing a 2-year tenure over 5 years saves ₹14,460 in total interest — roughly 17.7% of the loan amount.
• No TCS applies on two-wheelers. Section 206C(1F) covers only motor vehicles above ₹10 lakh in purchase value.

The TVS NTorq 125 has rewritten the rulebook for Indian sport scooters since its launch — the SmartXonnect Bluetooth system, ride statistics, call and music alerts, and last-parked location tracking were features most buyers associated with cars, not a sub-₹1 lakh scooter. The 2026 models continue to lead this connected scooter segment with an OBD2-compliant CVTi-REVV engine. Before you walk into a dealer, it helps to know exactly what the on-road price will be in your state and what your monthly EMI looks like for different down payments and tenures. This guide covers both NTorq 125 variants, states the precise on-road price across 10 states, and tables every relevant EMI scenario. Ex-showroom prices were verified in June 2026 (Delhi reference) and road-tax rates cross-checked against 2026 RTO schedules.

TVS NTorq 125 Variant Prices (2026)

The NTorq 125 is offered in two main 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 ₹3,000 registration.

*Approximate at 20% down payment. Use the car loan EMI calculator for your exact figure.

The Race Edition is the entry variant, offering the full SmartXonnect connectivity suite with sporty graphics. The Race XP adds a more powerful throttle response map, SmartXonnect with Glonass (GPS), Bluetooth-enabled keyless ignition, and a full-colour TFT display — making it the better choice for riders who use the connected features regularly, at a ₹6,500 ex-showroom premium.

What Goes Into the On-Road Price

For the Race Edition at ₹87,424 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 policy renewed annually.

The TP premium of ₹3,570 is set by IRDAI for 124cc–150cc scooters and cannot be altered by the dealer. From Year 2, only the OD policy needs renewal; shopping around at renewal time can cut the OD premium significantly with a no-claim bonus.

How State Road Tax Varies by State

Road tax is the single largest variable in the on-road price. Below are 2026 rates for Race Edition (ex-showroom ₹87,424) across 10 states:

The cheapest state for NTorq 125 registration is Gujarat at ₹98,802 — over ₹8,000 less than Karnataka's ₹1,06,950. Tamil Nadu's ₹500 safety tax is a flat additional levy beyond the 8% base rate applied to all newly registered motorised vehicles.

TVS NTorq 125 EMI by Loan Tenure

Base scenario: Race Edition, 20% down payment (₹20,460), loan amount ₹81,839, at 10.5% p.a. Plug in your own numbers with the car loan EMI calculator.

The 2-year option costs ₹1,135/month more than 3 years but saves ₹4,680 in interest. Compared to the 5-year option, choosing 2 years saves ₹14,460 — enough to cover more than 8 months of fuel at 50 km/day. For the NTorq, which attracts younger urban riders with income growth ahead of them, the shortest affordable tenure makes the best long-term financial sense.

Down Payment Impact

For the Race Edition (on-road ₹1,02,299), 3-year tenure at 10.5%:

Moving from 10% to 30% down cuts the EMI by ₹665/month and saves ₹3,480 in interest over 3 years. If your savings allow it, the 30% down payment is almost always the financially correct decision on a depreciating asset. Use the prepayment calculator to model how additional lump-sum payments further reduce your loan.

Running & Ownership Costs

The NTorq delivers 45–50 kmpl in real city conditions, slightly lower than a typical commuter motorcycle due to CVT transmission losses. TVS's service network is wide with competitive labour charges. The CVT drive belt needs periodic inspection and eventual replacement — budget ₹1,500–₹2,500 every 4–5 years.

Is the TVS NTorq 125 EMI Affordable for You?

Lenders use FOIR to assess affordability — total monthly EMIs should not exceed 40–55% of net monthly income. For a two-wheeler specifically, a sensible personal ceiling is 15–20% of take-home. Check your borrowing power with the loan eligibility calculator.

At ₹2,660/month (3-year, 20% down), the NTorq Race Edition is affordable for anyone earning ₹17,750+ monthly — placing it within reach of most urban salaried millennials who are the scooter's primary audience.

How to Get the Best Two-Wheeler Loan Deal

1. Compare loan rates at /rates before visiting the showroom. Two-wheeler loan rates range 9–15% p.a. in 2026.
2. Ask TVS Motor Finance for any brand promotional rate. Captive NBFCs periodically offer rate concessions tied to model launches.
3. Never accept a zero-down "100% finance" deal without checking the effective rate. The advertised zero-down often comes with a higher processing fee or inflated ex-showroom.
4. Choose the 2-year tenure if income supports it. The ₹14,460 interest saving over 5 years is significant.
5. Keep your CIBIL score above 750. See how your CIBIL score affects your loan rate for actionable steps.
6. Use windfalls for prepayment. No prepayment penalty on floating-rate loans under RBI rules. The prepayment calculator shows exactly how much you save.

Frequently Asked Questions

What is the on-road price of TVS NTorq 125 in Delhi 2026?

The on-road price is ₹1,02,299 (Race Edition) and ₹1,09,417 (Race XP) in Delhi, including 8% road tax, IRDAI-mandated 5-year TP insurance, 1-year OD insurance, and ₹3,000 registration.

What is the difference between NTorq Race Edition and Race XP?

The Race XP adds Glonass GPS, TFT colour display, Bluetooth keyless ignition, and a more aggressive throttle map over the Race Edition. The on-road price difference is ₹7,118 in Delhi — meaningful for riders who actively use the connectivity features.

How much EMI for TVS NTorq 125 Race Edition at 10.5%?

With 20% down payment (loan ₹81,839): ₹3,795/month for 2 years, ₹2,660/month for 3 years, or ₹1,759/month for 5 years. Get your exact EMI from the car loan EMI calculator.

Is TCS charged on the TVS NTorq 125?

No. TCS under Section 206C(1F) applies only to motor vehicles (cars) valued above ₹10 lakh. All NTorq 125 variants are two-wheelers priced below ₹1.1 lakh — entirely outside the TCS scope. No TCS line should appear on your dealer invoice.

Which bank offers the lowest interest rate for NTorq 125 loan?

Two-wheeler loan rates in 2026 range from 9% (SBI, select HDFC offers) to 15% (smaller NBFCs). TVS Motor Finance and major banks like HDFC, Axis, and ICICI are competitive. Compare live rates at /rates to find the best deal available at your purchase date.

What is the minimum down payment for a TVS NTorq 125 loan?

Most banks require a minimum 10% down payment — approximately ₹10,230 for the Race Edition (on-road ₹1,02,299). Some TVS-linked NBFCs may offer 90–100% financing to applicants with 750+ CIBIL scores, but this maximises total interest cost. A 20% down payment is the standard recommended amount.

Compare all scooter and bike options on the two-wheeler EMI hub. For a direct scooter competitor, see the Honda Activa 125 on-road price and EMI guide. To compare two loan offers side by side, use the loan comparison tool.