TVS NTorq 125 On-Road Price in Gujarat (2026)
₹98,802 to ₹1,05,660 on-road across 2 variants, including Gujarat road tax, 5-year third-party insurance and registration. Gujarat is the cheapest of 8 major states to register this scooter.
Ex-showroom prices verified June 2026 · Road tax slabs as of June 2026
TVS NTorq 125
India's first connected scooter — SmartXonnect Bluetooth, sporty 124.8cc CVTi-REVV engine.
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.
TVS NTorq 125 Variant Prices in Gujarat
Every variant with Gujarat road tax applied. The EMI column assumes a 20% down payment on the on-road price and a 3-year loan at 10.5% — adjust any of those in the calculator above, or model a different loan in the vehicle loan EMI calculator.
| Variant | Ex-showroom | Road tax (Gujarat) | On-road | EMI (3yr) |
|---|---|---|---|---|
| Race Edition | ₹87,424 | ₹3,497 (4%) | ₹98,802 | ₹2,569 |
| Race XP | ₹93,924 | ₹3,757 (4%) | ₹1,05,660 | ₹2,747 |
What Makes Up the On-Road Price in Gujarat
Taking the Race Edition at ₹87,424 ex-showroom, here is exactly what Gujarat and the insurer add on top:
| Component | Amount | Basis |
|---|---|---|
| Ex-showroom price | ₹87,424 | Manufacturer price, Delhi |
| Gujarat road tax | ₹3,497 | 4% of ex-showroom |
| Third-party insurance (5 yr) | ₹3,570 | IRDAI-fixed, 76–150cc band — paid upfront |
| Own-damage cover (1 yr) | ₹1,311 | ~1.5% of ex-showroom, estimate |
| Registration & smart card | ₹3,000 | RTO fee, HSRP, estimate |
| On-road price | ₹98,802 | Total payable |
Gujarat note: Lowest flat rate in India for two-wheelers. EVs exempt.
Why Insurance Costs What It Does on a 124cc Machine
This is where two-wheeler pricing diverges sharply from cars. Third-party cover is compulsory, and since September 2018 a new two-wheeler must be insured for five years of third-party liability upfront. IRDAI fixes that premium by engine capacity rather than by price:
| Engine capacity | 5-year TP premium | Applies here? |
|---|---|---|
| Up to 75cc | ₹2,690 | — |
| 76–150cc | ₹3,570 | Yes |
| 151–350cc | ₹6,830 | — |
| Above 350cc | ₹14,020 | — |
The NTorq 125 is 124cc, so it sits in the 76–150cc band at ₹3,570. Added to own-damage cover of ₹1,311, total insurance is ₹4,881 — 4.9% of the on-road price. Because the third-party half is a flat amount, it weighs far more heavily on an inexpensive commuter than on a large-capacity machine, and it is the main reason a ₹60,000 bike rarely leaves the showroom under ₹70,000.
NTorq 125 On-Road Price: Gujarat vs Other States
The same Race Edition, registered in eight different states. The spread between cheapest and dearest is ₹6,994 on an identical machine:
| State | Road tax | On-road price | vs Gujarat |
|---|---|---|---|
| Gujarat (this page) | ₹3,497 (4%) | ₹98,802 | — |
| Rajasthan | ₹5,245 (6%) | ₹1,00,550 | +₹1,748 |
| Tamil Nadu | ₹6,994 (8%) | ₹1,02,299 | +₹3,497 |
| Delhi | ₹6,994 (8%) | ₹1,02,299 | +₹3,497 |
| Uttar Pradesh | ₹6,994 (8%) | ₹1,02,299 | +₹3,497 |
| Maharashtra | ₹9,617 (11%) | ₹1,04,922 | +₹6,120 |
| Karnataka | ₹10,491 (12%) | ₹1,05,796 | +₹6,994 |
| Telangana | ₹10,491 (12%) | ₹1,05,796 | +₹6,994 |
Two-wheeler road tax ranges from a flat 4% in Gujarat to 12–13% in Karnataka and Telangana, and because the insurance and registration components are effectively fixed, road tax is the only part of the on-road price that moves when you cross a state line.
Financing the NTorq 125 in Gujarat
At ₹98,802 on-road, the loan maths on the Race Edition:
| Down payment | Loan amount | EMI (3yr @ 10.5%) | Total interest |
|---|---|---|---|
| 10% (₹9,880) | ₹88,922 | ₹2,890 | ₹15,125 |
| 20% (₹19,760) | ₹79,042 | ₹2,569 | ₹13,444 |
| 30% (₹29,641) | ₹69,161 | ₹2,248 | ₹11,763 |
| 40% (₹39,521) | ₹59,281 | ₹1,927 | ₹10,083 |
Two-wheeler loans are priced above car loans — typically 10–14% against 8.5–9.5% — and lenders rarely go beyond three years, so the interest burden is front-loaded and heavy relative to the ticket size. Check what you can service in the loan eligibility calculator, compare lenders on the loan comparison tool, and read the two-wheeler loan guide before accepting a dealer-arranged scheme. If you are weighing a bigger down payment, the trade-offs are worked through in the down payment guide.
Frequently Asked Questions
What is the on-road price of the TVS NTorq 125 in Gujarat?
In Gujarat the TVS NTorq 125 costs between ₹98,802 and ₹1,05,660 on-road, depending on variant. That covers the ex-showroom price, Gujarat road tax at 4% for the Race Edition, the IRDAI-mandated 5-year third-party premium of ₹3,570 for a 124cc machine, own-damage cover at roughly 1.5% of ex-showroom, and about ₹3,000 of registration and smart-card charges.
How much is road tax on the NTorq 125 in Gujarat?
Gujarat charges 4% road tax on the Race Edition, which is ₹3,497. Two-wheeler road tax is set by each state and is slab-based on ex-showroom price. Lowest flat rate in India for two-wheelers. EVs exempt. Rates are as of June 2026 — confirm with your local RTO before purchase.
Why is insurance such a large part of a 124cc bike's on-road price?
Because the third-party component is a flat rupee amount, not a percentage. IRDAI fixes the 5-year TP premium by engine capacity — ₹3,570 for the 76–150cc band this NTorq 125 falls in — and you pay all five years upfront at purchase. On the Race Edition at ₹87,424 ex-showroom, total insurance is ₹4,881, or 4.9% of the on-road price. The cheaper the machine, the larger that fixed premium looms in the total.
Do two-wheelers attract the 1% TCS that cars do?
No. The 1% tax collected at source under Section 206C(1F) applies to motor vehicles above ₹10 lakh, and in practice that means cars. No two-wheeler sold in India reaches that threshold, so TCS never appears on a bike or scooter invoice. This is one reason the gap between ex-showroom and on-road is proportionally narrower on two-wheelers than on cars.
Is the NTorq 125 cheaper to register in another state?
No — of the 8 states compared here, Gujarat is the cheapest place to register the Race Edition, at ₹98,802 on-road. The dearest is Telangana at ₹1,05,796, a difference of ₹6,994.
What EMI would the NTorq 125 cost in Gujarat?
On the Race Edition at ₹98,802 on-road in Gujarat, a 20% down payment of ₹19,760 leaves a loan of ₹79,042. At 10.5% over 3 years that is an EMI of ₹2,569. Two-wheeler loans are priced above car loans and usually capped at 3 years, so the EMI is high relative to the ticket size — use the calculator above to model a different structure.
Can I get a two-wheeler loan with no down payment?
Some dealers advertise zero-down-payment schemes, and they are usually more expensive than they look: the financed amount rises, and the rate is often higher than a standard 20%-down loan. Because the bike depreciates fastest in its first year, a zero-down loan also leaves you owing more than the machine is worth for most of the tenure. Read the two-wheeler loan guide before signing a dealer-arranged scheme.