In 2025, more people in India are choosing to buy bikes using monthly payment options (EMI) instead of paying the full amount upfront. Whether you’re a student, a working professional, or someone upgrading from an older two-wheeler, EMI plans make it easier to ride home on your preferred bike without immediate financial pressure.
From entry-level models to commuter-friendly choices and sporty variants — there are multiple bike brands offering EMI schemes with financing partners, dealer support, and manufacturer tie-ups. In this guide, we’ll explore how to buy a bike on EMI in 2025, what to expect, and what to look for when comparing options.
Why Choose EMI When Buying a Bike?
- Convenience: Pay in parts, instead of one-time full payment.
- Wider Options: EMI allows access to better features or a higher variant.
- Easy Application: Most banks and NBFCs offer instant bike loan processing.
- Minimal Upfront Payment: Many dealers now offer zero or minimal down-payment schemes.
Popular Bike Brands Offering EMI Plans in 2025
Here are some of the most searched and widely available bike brands that support EMI purchases across India:
| Brand | Popular Models | EMI Option Available |
|---|---|---|
| Hero Bikes | HF Deluxe, Splendor Plus, Xtreme 125R | Yes |
| TVS Bikes | Raider, Apache RTR 160 4V, Star City Plus | Yes |
| Bajaj Bikes | Platina 110, Pulsar N150, CT 125X | Yes |
| Honda Bikes | Shine, Unicorn, SP 125 | Yes |
| Yamaha Bikes | FZ-S V4, R15S, Ray ZR 125 | Yes |
| KTM Bikes | Duke 200, RC 125 | Yes |
| Royal Enfield | Hunter 350, Bullet 350, Classic 350 | Yes |
Many dealers now collaborate directly with finance companies to pre-approve eligible buyers instantly at the showroom itself.
New Bike Price Segments with EMI Support
Depending on your budget, here’s how you can explore options under different ranges:
🛵 New Bikes Under ₹70,000 (Ex-Showroom)
- Hero HF Deluxe
- Bajaj CT 110
- TVS Sport
These are suitable for city rides, students, or first-time riders. EMI can start from ₹1,500/month (approximate based on tenure and down payment).
🛵 New Bikes Under ₹1 Lakh
- Honda Shine
- Hero Glamour Xtec
- Bajaj Platina 110 ABS
- TVS Raider
Great for daily commuters with better suspension, fuel efficiency, and modern design.
🛵 New Bike Under ₹1.50 Lakh
- Yamaha FZ-X
- TVS Apache RTR 160 4V
- Bajaj Pulsar N160
- Hero Xtreme 160R
- Royal Enfield Hunter 350 (Base model)
These offer power-packed performance and are often chosen by college-goers and young professionals.
What About Electric Bikes?
In 2025, many buyers are also considering electric bikes due to rising fuel costs and growing city-level EV support. Leading manufacturers now offer electric models that suit daily commuting, with low running cost and simple charging at home. Popular choices include models from companies like Hero Electric, TVS iQube, and Bajaj Chetak. These are often available with financing options and government-linked incentives at the time of purchase. Many dealers also offer EMI plans for electric bikes, and some platforms now list electric bikes under 1.50 lakh with upfront eligibility checks and doorstep delivery. Just like petrol bikes, EMIs can start at a manageable monthly rate depending on the tenure and loan partner.
Loan & EMI Assistance Available
📌 What You’ll Need:
- A valid ID and address proof
- Income proof or salary slips (optional for some NBFCs)
- CIBIL score (recommended 650+ for best rates)
📌 Where to Apply:
- Directly at the showroom (partner finance companies)
- Banks and NBFCs like HDFC, IDFC First, Bajaj Finserv, L&T Finance
- Online portals like BikeDekho, Droom, and manufacturer websites
Some online platforms even offer pre-approved EMI schemes where you check eligibility and documents digitally.
What to Consider Before Buying on EMI
- EMI Amount vs. Tenure: Choose a monthly amount that fits your budget, and a tenure that balances interest and repayment ease.
- Insurance & RTO Costs: These are often not covered in EMI and must be paid initially.
- Hidden Charges: Ask the dealer about processing fees, foreclosing charges, and any other extra costs.
- Warranty & Service: Make sure your bike is covered under a standard manufacturer warranty. Check free service availability in your area.
Tips for First-Time Bike Buyers
- Shortlist 2-3 models based on your daily commute, road condition, and comfort.
- Use keywords like new bikes under 70k, new bikes under 1 lakh, or new bike under 1.50 lakh while searching online.
- Always compare EMI options on multiple platforms before choosing a dealer.
- Check for festive offers and exchange bonuses.
Where to Explore More
Many Indian websites now show EMI-ready bikes with calculators, price filters, and nearby dealer locators:
- BikeDekho EMI Options
- Droom Bike Loans
- [Manufacturer portals like Hero, Bajaj, TVS]
- NBFC partner offers from Bajaj Finserv, L&T Finance, etc.
Conclusion
Buying a bike in 2025 is no longer limited by upfront cost. EMI plans open the door to better features, branded bikes, and greater flexibility. Whether you’re opting for a new bike under 70k for city use or a mid-range variant under 1.50 lakh for longer rides, there’s an EMI plan for you.
Explore smartly. Ride confidently.