TVS Raider 125 EMI & On-Road Price 2026 — Variants, State Tax, Monthly EMI
TVS Raider 125 on-road price in Delhi starts at ₹1,01,835. See all 3 variants, 10-state road tax, and EMIs from ₹1,751/month at 10.5%.
Key Takeaways
- TVS Raider 125 Disc on-road price in Delhi is ₹1,06,763 (ex-showroom ₹91,500 + 8% road tax + OD + 5-year TP insurance + registration).
- A 3-year loan at 10.5% with 20% down payment gives an EMI of ₹2,776/month on a loan of ₹85,410.
- The SmartXonnect Disc at ₹97,000 ex-showroom adds Bluetooth connectivity for ₹5,500 over the Disc — significant tech at a small premium.
- Choosing a 2-year tenure over 5 years saves ₹14,388 in total interest on the Disc variant loan.
The TVS Raider 125 made a strong impression when launched by combining a CVTi-REVV engine, sporty split seat, and segment-first Bluetooth SmartXonnect (on the top variant) in a sub-₹1 lakh package. It competes directly with the Honda SP 125 and Bajaj Pulsar 125 but leans more aggressively into styling cues borrowed from TVS' racing heritage. For a buyer evaluating the Raider, the true ownership cost extends well past the showroom sticker: on-road expenses add ₹13,000–₹19,000 in Delhi before you ride away. This guide covers all three variants, 10-state road tax comparisons, and verified EMI calculations at multiple tenures and down payments.
TVS Raider 125
India's sporty 125cc — Race-tuned CVTi-REVV engine, Bluetooth SmartXonnect, 3-step adjustable suspension.
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 Raider 125 Variant Prices (2026)
Three variants cover drum-brake buyers through Bluetooth-connected riders. 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) |
|---|---|---|---|
| Drum | ₹87,000 | ₹1,01,835 | ₹2,648 |
| Disc | ₹91,500 | ₹1,06,763 | ₹2,776 |
| SmartXonnect Disc | ₹97,000 | ₹1,12,785 | ₹2,933 |
The Disc is the sweet spot — front disc braking at ₹4,500 over Drum is worth every rupee for urban safety. The SmartXonnect Disc adds Bluetooth-enabled turn-by-turn navigation display, call/SMS alerts, and ride analytics via the TVS SmartXonnect app — at ₹5,500 more than the Disc, it offers genuine utility for tech-savvy daily commuters.
What Goes Into the On-Road Price
For the Disc at ₹91,500 ex-showroom (Delhi reference):
| Component | Amount | Basis |
|---|---|---|
| Ex-Showroom Price | ₹91,500 | TVS manufacturer price |
| Road Tax (8%) | ₹7,320 | Delhi slab: ₹60,001–₹2,00,000 |
| Own Damage (1yr, ~1.5%) | ₹1,373 | ~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 | ₹1,06,763 | Total |
The IRDAI 5-year TP premium of ₹3,570 is non-negotiable — it is fixed by regulation for the 75–150cc slab. OD insurance of ₹1,373 covers Year 1; from Year 2, you can source competitive OD rates from any general insurer. No TCS applies to the Raider — Section 206C(1F) TCS threshold is ₹10 lakh for motor vehicles only.
How State Road Tax Varies
Road tax comparison for the Disc (ex-showroom ₹91,500) across 10 states:
| State | Road Tax Rate | Road Tax Amount | On-Road Price |
|---|---|---|---|
| Gujarat | 4% (flat) | ₹3,660 | ₹98,603 |
| Rajasthan | 6% (≤₹1L) | ₹5,490 | ₹1,00,433 |
| West Bengal | 6% (≤₹1L) | ₹5,490 | ₹1,00,433 |
| Delhi | 8% (₹60K–₹2L) | ₹7,320 | ₹1,06,763 |
| Uttar Pradesh | 8% (flat) | ₹7,320 | ₹1,06,763 |
| Tamil Nadu | 8% (≤₹1L) + ₹500 safety tax | ₹7,820 | ₹1,07,263 |
| Kerala | 9% (≤₹1L) + ₹200 cess | ₹8,235 | ₹1,07,908 |
| Maharashtra | 11% (flat) | ₹10,065 | ₹1,09,508 |
| Telangana | 12% (flat) | ₹10,980 | ₹1,10,423 |
| Karnataka | 12% (≤₹1L) + 11% cess on tax | ₹12,226 | ₹1,11,669 |
Gujarat buyers save ₹3,660 over Delhi. Note that Rajasthan and West Bengal both apply 6% because the Disc ex-showroom (₹91,500) falls below the ₹1 lakh threshold. Karnataka's cess takes the effective rate to over 13%, pushing the on-road price above ₹1.11 lakh.
TVS Raider 125 EMI by Loan Tenure
Base scenario: Disc, 20% down payment (₹21,353), loan amount ₹85,410, at 10.5% p.a. Calculate your personalised EMI using the two-wheeler EMI calculator.
| Tenure | Monthly EMI | Total Interest | Total Amount Paid |
|---|---|---|---|
| 2 Years (24 months) | ₹3,961 | ₹9,654 | ₹95,064 |
| 3 Years (36 months) | ₹2,776 | ₹14,526 | ₹99,936 |
| 5 Years (60 months) | ₹1,836 | ₹24,750 | ₹1,10,160 |
Choosing 2 years over 5 years saves ₹15,096 in total interest. The Raider's loan at ₹85,410 is slightly larger than the basic commuter segment, making the tenure choice more consequential. A 2-year tenure at ₹3,961/month is very manageable for anyone earning ₹22,000+ monthly.
A mid-tenure prepayment can be especially effective on sports-segment bikes with higher loan amounts. The prepayment calculator will show how a ₹20,000 prepayment at Month 12 can cut 6–8 months from a 3-year term.
Down Payment Impact on EMI
For the Disc (on-road ₹1,06,763), 3-year tenure at 10.5%:
| Down Payment | Down Amount | Loan Amount | Monthly EMI | Total Interest |
|---|---|---|---|---|
| 10% | ₹10,676 | ₹96,087 | ₹3,123 | ₹16,341 |
| 20% | ₹21,353 | ₹85,410 | ₹2,776 | ₹14,526 |
| 30% | ₹32,029 | ₹74,734 | ₹2,429 | ₹12,710 |
Going from 10% to 30% down saves ₹3,631 in total interest over 3 years and reduces monthly EMI by ₹694. If you have ₹30,000–₹32,000 available, a 30% down payment is the financially optimal choice for a ₹1.07 lakh on-road purchase. Use the loan eligibility calculator to determine how much loan you qualify for.
Running & Ownership Costs
| Cost Item | Estimate | Frequency |
|---|---|---|
| Fuel (50 km/day, 55–60 km/l real) | ₹1,300–₹1,700 | Monthly |
| Engine oil change | ₹350–₹500 | Every 3,000 km |
| Periodic service (TVS ASC) | ₹700–₹1,000 | Every 6 months |
| Tyre replacement | ₹2,200–₹3,200 | Every 3–4 years |
| OD insurance renewal (Year 2+) | ₹1,400–₹2,300 | Annual |
| Chain lubrication | ₹100–₹200 | Every 2,000 km |
TVS claims 67 km/l for the Raider; real-world figures in mixed riding conditions typically deliver 58–65 km/l, making it one of the most fuel-efficient sporty 125cc bikes available. TVS has a service network of over 4,500 outlets nationwide. Total monthly running cost (excluding EMI) is approximately ₹1,500–₹2,000 for a 50 km/day commuter.
Is the TVS Raider 125 EMI Affordable for You?
FOIR limits total monthly loan obligations to 40–55% of net income. For a bike purchase specifically, a practical guideline is keeping the EMI under 15–20% of monthly take-home.
| Monthly Take-Home | 15% Bike EMI Budget | Recommended Tenure |
|---|---|---|
| ₹15,000 | ₹2,250 | 5-year |
| ₹19,000 | ₹2,850 | 3-year |
| ₹24,000 | ₹3,600 | 2–3 year |
| ₹30,000+ | ₹4,500+ | 2-year or cash |
At ₹2,776/month (3-year, Disc, 20% down), the Raider falls within the 15% budget for anyone earning ₹18,500+ monthly — well within reach for most employed young adults in metro and tier-2 cities.
How to Get the Best Two-Wheeler Loan Deal
- Compare lender rates before the showroom visit. Current two-wheeler loan rates range from ~9% to 15% p.a. Check /rates — a 1% rate difference saves approximately ₹1,700 over 3 years on an ₹85,000 loan.
- TVS Credit is worth exploring. TVS's captive finance arm often offers festive promotions on Raider purchases with zero processing fees.
- Opt for the shortest tenure your budget allows. The EMI table shows a 2-year tenure saves ₹15,096 vs 5 years.
- Negotiate the processing fee. Typically ₹500–₹1,500, often waived during festive and anniversary sales.
- Maintain CIBIL score above 750. See how CIBIL score impacts loan interest rates for actionable steps.
- Prepay with bonuses. Use the prepayment calculator to model the impact of lump-sum prepayments.
Frequently Asked Questions
What is the on-road price of TVS Raider 125 in Delhi in 2026?
The on-road price ranges from ₹1,01,835 (Drum) to ₹1,12,785 (SmartXonnect Disc). The Disc variant is ₹1,06,763, 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 TVS Raider 125 Disc at 10.5%?
With 20% down payment (loan ₹85,410): ₹3,961/month for 2 years, ₹2,776/month for 3 years, or ₹1,836/month for 5 years. Use the two-wheeler EMI calculator to get your personalised EMI.
What is the difference between TVS Raider Drum, Disc, and SmartXonnect Disc?
Drum (₹87,000): rear drum brake only. Disc (₹91,500): adds front disc brake for improved braking. SmartXonnect Disc (₹97,000): adds Bluetooth-connected instrument cluster, turn-by-turn navigation display, call/SMS notifications, and ride analytics app.
Is TCS applicable on TVS Raider 125?
No. TCS under Section 206C(1F) applies only to motor vehicles above ₹10 lakh invoice value. The Raider 125 is priced well below this. Check your dealer invoice — no TCS line should appear.
Which state has the lowest road tax for TVS Raider 125?
Gujarat has the lowest road tax at 4% flat — ₹3,660 for the Disc variant, making the Gujarat on-road price ₹98,603 vs ₹1,06,763 in Delhi (a saving of ₹8,160). Karnataka is the most expensive state with an effective rate above 13%.
Can I prepay my Raider 125 loan without penalty?
Yes, for floating-rate loans — RBI prohibits prepayment penalties on floating-rate borrowings. Fixed-rate loans may levy 2–4% foreclosure charge. Most two-wheeler loans default to floating rates. Use the prepayment calculator to quantify the saving.
What documents are required for a TVS Raider 125 loan?
Standard requirements: PAN card, Aadhaar card, last 3 months' salary slips (or Form 16 for salaried), 6 months' bank statements, dealer proforma invoice, and passport-size photographs. Self-employed applicants need 2 years' ITR with business continuity proof.
For the full 125cc sports bike segment comparison, visit the two-wheeler EMI hub. For a step up in displacement, see the Hero Xtreme 160R EMI & on-road price guide.
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